Merge branch 'rac_check_analysis' of DigiFi/digifi-BankToProductCore into master

app/api/integrations/simbrella.py

@@ -21,7 +21,7 @@ class SimbrellaIntegration:
             "customerId": customer_id,
             "accountId": account_id,
             "transactionId": str(transaction_id),
-            "fbnTransactionId": f"FBN{transaction_id}",
+            "fbnTransactionId": str(transaction_id),
             "countryCode": "NG",
             "channel": "USSD"
         }

app/api/services/eligibility_check.py

@@ -81,7 +81,7 @@ class EligibilityCheckService(BaseService):
 
                     return ResponseHelper.error(result_description=f"RACCheck failed")
 
-                rack_checks_response = response['racResponse']
+                rack_checks_response = response['data']['racResponse']
 
                 rac_check = RACCheck.add_rac_check(
                     customer_id = customer_id,

app/api/services/offer_analysis.py

@@ -67,14 +67,20 @@ class OfferAnalysis:
                 failed_false_rules.append(rule)
 
 
-        # Expects false
+        # Salary rules
         for key in RAC_SALARY_PAYMENTS:
             value = rack_response.get(key)
+
+           
             if isinstance(value, Decimal):
-                salaries.append(value)
+                 # Only use values greater than 0
+                if value > 0:
+                    salaries.append(value)
             elif isinstance(value, (int, float, str)):
                 try:
-                    salaries.append(Decimal(str(value)))
+                    value = Decimal(str(value))
+                    if value > 0:
+                        salaries.append(value)
                 except:
                     logger.warning(f"Could not convert value of {key} to Decimal: {value}")
 
@@ -93,15 +99,28 @@ class OfferAnalysis:
         min_salary = min(salaries)
 
         # Check consistency rule
-        consistent_income = rack_response.get("rule7-consistent-salary-amount", False)
+        consistent_income = rack_response.get("rule7_consistent_salary_amount", False)
+
+         # Determine percentage based on offer tenor
+        tenor = offer.tenor
+        
+        if tenor == 30 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.5")
+            logger.info("Applying 50% of least salary in 6 months due to 1-month offer tenor with stable income.")
+        elif tenor == 90 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.75")
+            logger.info("Applying 75% of least salary in 6 months due to 3-months offer tenor with stable income.")
+           
+        else:  # Income is not consistent
+            eligible_amount = 0
+            logger.info("Applying np percentage on least salary due unstable income.")
+            
 
-        if consistent_income:
-            eligible_amount = min_salary * Decimal("0.5") 
-        else:
-            eligible_amount = min_salary * Decimal("0.75") 
 
         logger.info(f"Calculated eligible amount from RAC: {eligible_amount} based on {'stable' if consistent_income else 'unstable'} income.")
+
         return eligible_amount.quantize(Decimal("1.00"))  
+    
         # "racResponse": {
         #     "accountStatus": true,
         #     "bvnValidated": true,
@@ -199,6 +218,11 @@ class OfferAnalysis:
             approved_amount = new_eligible_amount 
             approved_amount = round(approved_amount, 2)
 
+            if approved_amount < offer.min_amount:
+                    logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+
             transaction_offer = TransactionOffer.create_transaction_offer(
                 customer_id=customer_id,
                 transaction_id=transaction_id,