cbsnexora/src/app/loan-origination/loan-fineract-bridge.ts

/**
 * Copyright since 2025 Mifos Initiative
 *
 * This Source Code Form is subject to the terms of the Mozilla Public
 * License, v. 2.0. If a copy of the MPL was not distributed with this
 * file, You can obtain one at http://mozilla.org/MPL/2.0/.
 */

import { firstValueFrom } from 'rxjs';
import { Dates } from '../core/utils/dates';
import { LoansService } from '../loans/loans.service';
import { ProductsService } from '../products/products.service';
import { SettingsService } from '../settings/settings.service';
import { LoanApplication, ORIGINATION_PRODUCTS } from './loan-origination-data';

export interface RealLoanCreationResult {
  loanId: number;
  loanAccountNo: string;
}

const cleanName = (name: string): string => name.trim().toLowerCase().replace(/\s+/g, ' ');

/** Creates, approves and disburses a real Fineract loan account for an Existing-Customer
 *  application at the moment an officer disburses it -- see loan-fineract-bridge plan for why this
 *  only fires at final disbursement rather than at wizard-submit or Committee sanction. Every
 *  mandatory Fineract field this mock pipeline never collected (loan purpose, interest type,
 *  amortization type, interest calculation period, repayment strategy) is pulled from the real
 *  loan product's own template rather than guessed, so it's always valid for whatever that
 *  Fineract instance actually has configured. */
export async function createRealLoanAccount(
  app: LoanApplication,
  loansService: LoansService,
  productsService: ProductsService,
  dateUtils: Dates,
  settings: SettingsService
): Promise<RealLoanCreationResult> {
  const mockProduct = ORIGINATION_PRODUCTS.find((p) => p.code === app.productCode);
  const wantedName = cleanName(mockProduct?.name || app.productName);

  const products: any[] = (await firstValueFrom(productsService.getLoanProducts())) || [];
  const matchedProduct = products.find((p) => cleanName(p.name) === wantedName);
  if (!matchedProduct) {
    throw new Error(
      `No Fineract loan product named "${mockProduct?.name || app.productName}" was found -- ask an admin to configure one before disbursing.`
    );
  }

  const template: any = await firstValueFrom(productsService.getLoanProduct(String(matchedProduct.id), true));
  const repaymentEvery: number = template.repaymentEvery || 1;

  const locale = settings.language.code;
  const dateFormat = settings.dateFormat;
  const today = dateUtils.formatDate(new Date(), dateFormat);

  const payload = {
    clientId: app.clientId,
    productId: matchedProduct.id,
    loanType: 'individual',
    principal: app.requestedAmount,
    loanTermFrequency: app.tenureMonths,
    loanTermFrequencyType: 2, // Months
    numberOfRepayments: Math.max(1, Math.round(app.tenureMonths / repaymentEvery)),
    repaymentEvery,
    repaymentFrequencyType: template.repaymentFrequencyType?.id,
    interestRatePerPeriod: app.interestRate,
    interestType: template.interestType?.id,
    interestCalculationPeriodType: template.interestCalculationPeriodType?.id,
    amortizationType: template.amortizationType?.id,
    transactionProcessingStrategyCode: template.transactionProcessingStrategyCode,
    submittedOnDate: today,
    expectedDisbursementDate: today,
    dateFormat,
    locale
  };

  const created: any = await firstValueFrom(loansService.createLoansAccount(payload));
  const loanId: number = created.loanId ?? created.resourceId;

  await firstValueFrom(
    loansService.loanActionButtons(loanId, 'approve', {
      approvedOnDate: today,
      dateFormat,
      locale
    })
  );

  await firstValueFrom(
    loansService.loanActionButtons(loanId, 'disburse', {
      actualDisbursementDate: today,
      transactionAmount: app.requestedAmount,
      dateFormat,
      locale
    })
  );

  const account: any = await firstValueFrom(loansService.getLoanAccountResource(String(loanId), ''));
  return {
    loanId,
    loanAccountNo: account?.accountNo || String(loanId)
  };
}