[add]: Offer analysis

.env.local.example

@@ -0,0 +1,35 @@
+# Environment Variables
+BASIC_AUTH_USERNAME=user
+BASIC_AUTH_PASSWORD=password
+
+#swagger Configuration
+SWAGGER_URL="/documentation"
+API_URL="/swagger.json"
+
+# Database Configuration
+DATABASE_USER=firstadvance
+DATABASE_PASSWORD=FirstAdvance!
+DATABASE_HOST=dev-data.simbrellang.net
+DATABASE_PORT=10532
+DATABASE_NAME=firstadvancedev
+
+# DATABASE_HOST=10.20.30.60
+# DATABASE_USER=firstadvance
+# DATABASE_PASSWORD=firstadvance
+# DATABASE_NAME=firstadvancedev
+# DATABASE_PORT=5432
+
+# Flask Configuration
+FLASK_APP=wsgi.py
+FLASK_ENV=development
+APP_PORT=4500
+
+
+# Bank Call Service Connection
+SIMBRELLA_BASE_URL="https://bank-emulator.dev.simbrellang.net"
+VALID_APP_ID=app1
+VALID_API_KEY=test-api-key-12345
+
+
+# Event Bus Broker Configuration
+KAFKA_BROKER="10.0.0.246:9092"

app/api/integrations/simbrella.py

@@ -1,8 +1,9 @@
-import requests
+import httpx
 import json
-from requests.auth import HTTPBasicAuth
 from app.utils.logger import logger
 from app.config import settings
+import logging
+
 
 class SimbrellaIntegration:
     BASE_URL = settings.SIMBRELLA_BASE_URL
@@ -13,43 +14,43 @@ class SimbrellaIntegration:
         Calls the RACCheck endpoit
         """
         url = f"{SimbrellaIntegration.BASE_URL}/RACCheck"
-        
+
         payload = {
             "customerId": customer_id,
             "accountId": account_id,
-            "transactionId": transaction_id,
+            "transactionId": str(transaction_id),
+            "fbnTransactionId": f"FBN{transaction_id}",
             "RAC_Array": [
-                {
-                "salaryAccount": True,
-                "bvn": "12345678901",
-                "crc": False,
-                "crms": True,
-                "accountStatus": "active",
-                "lien": False,
-                "noBouncedCheck": True,
-                "existingLoan": False,
-                "whitelist": True,
-                "noPastDueSalaryLoan": True,
-                "noPastDueOtherLoans": False
-                }
-            ]
+                "SalaryAccount",
+                "BVN",
+                "BVNAttachedtoAccount",
+                "CRC",
+                "CRMS",
+                "AccountStatus",
+                "Lien",
+                "NoBouncedCheck",
+                "Whitelist",
+                "NoPastDueSalaryLoan",
+                "NoPastDueOtherLoan",
+            ],
         }
 
-        logger.error(f"This is PayLoad: {str(payload)}",exc_info=True)
+        logger.error(f"This is PayLoad: {str(payload)}", exc_info=True)
+
         headers = {
-            'Content-Type': 'application/json',
-            'x-api-key': f'{settings.VALID_API_KEY}',
-            'App-Id': f'{settings.VALID_APP_ID}'
+            "Content-Type": "application/json",
+            "x-api-key": f"{settings.VALID_API_KEY}",
+            "App-Id": f"{settings.VALID_APP_ID}",
         }
 
         try:
-            response = requests.post(url, json=payload, timeout=10, headers=headers)
-            logger.error(f"This is Response: {str(response)}", exc_info=True)
-            # Raise an error for non-200 responses
-            if response.status_code != 200:
-                response.raise_for_status()
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
 
-            return response.json()
-        except requests.exceptions.RequestException as err:
-            logger.error(f"RACCheck API call failed: {str(err)}", exc_info=True)
-            return {"error": "RACCheck API error"}
+            logger.error(f"This is Response: {str(response)}", exc_info=True)
+
+            return response
+           
+        except Exception as e:
+            logger.error(f"RACCheck API call failed: {str(e)}", exc_info=True)
+            raise Exception(f"RACCheck API call failed: {str(e)}")
+  

app/api/schemas/provide_loan.py

@@ -12,5 +12,5 @@ class ProvideLoanSchema(Schema):
     # lienAmount = fields.Float(required=True)
     requestedAmount = fields.Float(required=True)
     collectionType = fields.Int(required=True)
-    offerId = fields.Int(required=True)
+    offerId = fields.Str(required=True)
     channel = fields.Str(required=True)

app/api/schemas/select_offer.py

@@ -9,5 +9,6 @@ class SelectOfferSchema(Schema):
     msisdn = fields.Str(required=True)
     requestedAmount = fields.Float(required=True)
     productId = fields.Str(required=True)
+    offerId = fields.Str(required=True)
     channel = fields.Str(required=True)
 

app/api/services/__init__.py

@@ -6,3 +6,4 @@ from app.api.services.repayment import RepaymentService
 from app.api.services.customer_consent import CustomerConsentService
 from app.api.services.notification_callback import NotificationCallbackService
 from app.api.services.authorization import AuthorizationService
+from app.api.services.offer_analysis import OfferAnalysis

app/api/services/base_service.py

@@ -60,3 +60,113 @@ class BaseService:
     def async_send_to_kafka(cls, loan_data, request_id, topic):
         KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
         KafkaIntegration.flush()
+
+
+    @classmethod
+    def calculate_charges(cls, offer, amount):
+        """
+        Calculates and returns the charges for the given offer and amount.
+        
+        Args:
+            offer (Offer): The offer object that contains the charges.
+            amount (float): The requested loan amount.
+        
+        Returns:
+            dict: A dictionary containing the calculated charges.
+        """
+        if not offer or not offer.charges:
+            logger.error(f"No charges found for offer ID {offer.id}")
+            return {"error": "No charges found for the offer"}
+
+        loan_charges = offer.charges
+        tenor = offer.schedule # offer.tenor // 30 # Convert to months
+        interest =  cls.get_charge_detail(rates = offer.interest_rate, charges = loan_charges, code = "INTEREST", amount = amount)
+        management = cls.get_charge_detail(rates = offer.management_rate,  charges = loan_charges, code = "MGTFEE", amount = amount)
+        insurance = cls.get_charge_detail(rates = offer.insurance_rate, charges = loan_charges, code = "INSURANCE", amount = amount)
+        vat = cls.get_charge_detail(rates = offer.vat_rate, charges = loan_charges, code = "VAT", amount = amount, management_fee = management["fee"])
+
+        # Separate fees into upfront and postpaid
+        upfront_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] == 0
+        ]
+
+        postpaid_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] != 0
+        ]
+        vat_test  = vat["fee"]
+        logger.info(f"VAT fee ==  *************** : {vat_test}")
+
+        # Up-front payment: (only those fees due immediately i.e due_days == 0)
+        # upfront_payment = sum(upfront_fees)
+        if offer.schedule == 1:
+            upfront_payment = vat["fee"] + management["fee"] + insurance["fee"] + interest["fee"]
+            interest_amount = interest["fee"]
+            repayment_amount = amount
+        else:
+            upfront_payment = vat["fee"] + insurance["fee"]+management["fee"]
+            interest_amount = interest["fee"]*offer.schedule
+            repayment_amount = amount +  interest_amount
+
+
+        # Repayment amount: (principal + only those fees not due immediately i.e due_days != 0)
+       # repayment_amount = amount + (sum(postpaid_fees) * tenor)
+
+        # Total amount: (upfront_payment + repayment_amount)
+        total_amount = upfront_payment + repayment_amount
+
+        # Calculate the installment amount
+        installment_amount = repayment_amount / offer.schedule
+
+        return {
+            "interest": interest,
+            "management": management,
+            "insurance": insurance,
+            "vat": vat,
+            "upfront_payment": round(upfront_payment, 2),
+            "repayment_amount": round(repayment_amount, 2),
+            "installment_amount": round(installment_amount, 2),
+            "total_amount": round(total_amount, 2)
+        }
+
+    
+    @classmethod
+    def get_charge_detail(cls, rates, charges, code, amount, management_fee= 0.0):
+        """
+        Get details for a specific charge code from a list of loan charges.
+
+        Returns default values if not found.
+        """
+        fee = 0.0
+
+        if code == "VAT" and management_fee > 0:
+            fee = management_fee * rates / 100
+        else:
+            fee = amount * rates / 100
+
+        return {
+            "rate": rates,
+            "fee": round(fee, 2),
+            "due_days": 30,
+            "code": code,
+            "description" :  "have no idea how to get this yet"
+        }
+
+        # if charge.code == code:
+        #     if code == "VAT" and management_fee > 0:
+        #         fee = management_fee * rates / 100
+        #     else:
+        #         fee = amount * rates / 100
+        #
+        #     return {
+        #         "rate": rates,
+        #         "fee": round(fee, 2),
+        #         "due_days": charge.due
+        #     }
+            
+       # return {"rate": 0, "fee": 0, "due_days": 0}
+
+

app/api/services/eligibility_check.py

@@ -1,4 +1,5 @@
 from flask import session, jsonify
+from app.models.transaction_offers import TransactionOffer
 from app.utils.logger import logger
 from app.api.services.base_service import BaseService
 from app.api.schemas.eligibility_check import EligibilityCheckSchema
@@ -6,6 +7,9 @@ from marshmallow import ValidationError
 from app.api.enums import TransactionType
 from app.api.integrations import SimbrellaIntegration
 from app.extensions import db
+from app.models import Offer, RACCheck
+import random
+
 
 class EligibilityCheckService(BaseService):
     TRANSACTION_TYPE = TransactionType.ELIGIBILITY_CHECK 
@@ -47,35 +51,66 @@ class EligibilityCheckService(BaseService):
                             "message": "Invalid Customer or Account"
                         }), 400
                 
+                db.session.flush()
+                
                 # Call RACCheck
                 response = SimbrellaIntegration.rac_check(
                     customer_id = customer_id,
                     account_id = account_id,
-                    transaction_id = transaction.id,
+                    transaction_id = transaction.transaction_id,
                 )
-                logger.error(f"This is Response Returned ****** : {str(response)}")
 
                 # this chck for error is not valid
-                logger.error(f"Check for ERROR is not valid  ****** FIX THIS !!!!!")
-                #if "error" in response or response.get("status") != 200:
-                #    return jsonify({"message": "RACCheck failed"}), 400
+                if response.status_code != 200:
+                   return jsonify({"message": "RACCheck failed"}), 400
+                
+                response = response.json()
+                
+                rac_check = RACCheck.add_rac_check(
+                    customer_id = customer_id,
+                    account_id = account_id,
+                    transaction_id = transaction.transaction_id,
+                    data = response['RACResponse']
+                    )
+                
+                if not rac_check:
+                        logger.error(f"Failed to save RACCheck")
+                        return jsonify({
+                            "message": "Failed to save RACCheck."
+                        }), 400
 
-                offers = [
-                    {
-                        "offerId": "SAL90",
-                        "productId": "2030",
-                        "minAmount": 5000,
-                        "maxAmount": 100000,
-                        "tenor": 30
-                    },
-                    {
-                        "offerId": "SAL30",
-                        "productId": "2090",
-                        "minAmount": 3000,
-                        "maxAmount": 500000,
-                        "tenor": 90
-                    }
-                ]
+                offers = Offer.get_all_offers()
+
+                eligible_offers = []
+
+                for offer in offers:
+                    # Determine an approved amount
+                    random_float = random.random() # temporary to play data
+                    approved_amount = min(offer.max_amount, offer.max_amount * random_float) #temporary for now
+                    approved_amount = round(approved_amount, 2)
+
+                    transaction_offer = TransactionOffer.create_transaction_offer(
+                        customer_id = customer.id,
+                        transaction_id = transaction.transaction_id,
+                        offer_id = offer.id,
+                        min_amount = offer.min_amount,
+                        max_amount = offer.max_amount,
+                        eligible_amount = approved_amount,
+                        product_id = offer.product_id,
+                        tenor = offer.tenor
+                    )
+
+                    # Visible offer ID: offer_id + padded(transaction_offer.id)
+                    padded_id = str(transaction_offer.id).zfill(6) 
+                    public_offer_id = f"{offer.id}{padded_id}"
+
+                    eligible_offers.append({
+                        "offerId": public_offer_id,
+                        "product_id": offer.product_id,
+                        "min_amount": offer.min_amount,
+                        "max_amount": approved_amount,
+                        "tenor": offer.tenor
+                    })
 
                 # Simulate processing
                 response_data = {
@@ -83,7 +118,7 @@ class EligibilityCheckService(BaseService):
                     "transactionId": transactionId,
                     "countryCode": "NG",
                     "msisdn": msisdn,
-                    "eligibleOffers": offers,
+                    "eligibleOffers": eligible_offers,
                     "resultDescription": "Successful",
                     "resultCode": "00",
                     "accountId": account_id

app/api/services/offer_analysis.py

@@ -0,0 +1,24 @@
+from app.models import Offer, TransactionOffer
+
+class OfferAnalysis:
+
+    @staticmethod
+    def get_offer(transaction_id, rac_response, validated_data):
+        customer_id = validated_data.get("customerId")
+        product_id = validated_data.get("productId")
+        offer_id = validated_data.get("offerId")
+
+        transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+        transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, product_id)
+
+        if not transaction_offer:
+            raise ValueError("Invalid Transaction Offer.")
+
+        eligible_amount =  transaction_offer.eligible_amount
+        offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+        if not offer:
+            raise ValueError("Invalid Offer.")
+
+        return transaction_offer, offer, eligible_amount

app/api/services/provide_loan.py

@@ -3,12 +3,18 @@ from marshmallow import ValidationError
 from app.api.integrations.kafka import KafkaIntegration
 from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType   
+from app.models.customer import Customer
+from app.models.loan_charge import LoanCharge
 from app.utils.logger import logger
 from app.api.schemas.provide_loan import ProvideLoanSchema
 from threading import Thread
-from app.models.loan import Loan
+from app.models import Loan, Offer, Charge , TransactionOffer, RACCheck
 from app.api.enums import LoanStatus
 from app.extensions import db
+from datetime import datetime, timezone
+from dateutil.relativedelta import relativedelta
+from app.models import LoanRepaymentSchedule 
+from app.api.services.offer_analysis import OfferAnalysis
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -33,19 +39,91 @@ class ProvideLoanService(BaseService):
                 request_id =  validated_data.get('requestId')
                 collection_type =  validated_data.get('collectionType')
                 transaction_id = validated_data.get('transactionId')
+                offer_id = validated_data.get('offerId')
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
 
-                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                customer = Customer.is_valid_customer(customer_id)
 
-                
-                    # Save the loan details  
+                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)): 
+
+                    rac_response = RACCheck.get_rac_check(customer_id = customer_id, account_id = account_id)
+
+                    try:
+                        transaction_offer, offer, eligible_amount = OfferAnalysis.get_offer(
+                            transaction_id=transaction_id,
+                            rac_response=rac_response,  
+                            validated_data=validated_data
+                        )
+                    except ValueError as ve:
+                        logger.error(str(ve))
+                        return jsonify({
+                            "message": str(ve)
+                        }), 400
+                    
+                    # transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+                    # transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id)
+                    
+                    # if not transaction_offer:
+                    #     logger.error(f"Invalid Transaction Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Transaction Offer."
+                    #     }), 400
+
+                    # eligible_amount =  transaction_offer.eligible_amount
+                    # offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+                    # if not offer:
+                    #     logger.error(f"Invalid Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Offer."
+                    #     }), 400
+                    
+                    # Log Transaction
+                    transaction = ProvideLoanService.log_transaction(validated_data=validated_data)
+
+                    if not transaction:
+                        logger.error(f"Failed to log transaction")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                    
+
+                    db.session.flush()
+
+                    charges = ProvideLoanService.calculate_charges(offer, amount)
+                    upfront_fee = charges["upfront_payment"]
+                    repayment_amount = charges["repayment_amount"]
+                    #installment_amount = charges["installment_amount"]
+                    num_schedules = offer.schedule
+
+                    upfront_payment = charges["upfront_payment"]
+                    total_amount = charges["total_amount"]
+                    installment_amount = charges["installment_amount"]
+                    interest = charges["interest"]
+                    management = charges["management"]
+                    insurance = charges["insurance"]
+                    vat = charges["vat"]
+                    
+
+
+                    # Save the loan details
                     loan = Loan.create_loan(
                         customer_id = customer_id,
                         account_id = account_id,
-                        offer_id = validated_data.get('offerId'),
+                        offer_id = offer_id,
+                        product_id = offer.product_id,
                         collection_type = collection_type,
                         transaction_id = validated_data.get('transactionId'),
                         initial_loan_amount = validated_data.get('requestedAmount'),
-                        status= LoanStatus.ACTIVE
+                        upfront_fee = upfront_fee,
+                        repayment_amount = repayment_amount,
+                        installment_amount = installment_amount,
+                        eligible_amount=eligible_amount,
+                        status = LoanStatus.ACTIVE,
+                        tenor = offer.tenor,
+
                     )
 
                     if not loan:
@@ -53,17 +131,27 @@ class ProvideLoanService(BaseService):
                         return jsonify({
                             "message": "Failed to save loan details."
                         }), 400
-                    
-                    # Log Transaction
-                    transaction = ProvideLoanService.log_transaction(validated_data = validated_data)
 
-                    if not transaction:
-                        logger.error(f"Failed to log transaction")
+                    db.session.flush()
+
+                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+
+
+                    if not schedule:
+                        logger.error(f"Failed to create repayment schedule for loan ID {loan.id}")
                         return jsonify({
-                            "message": "Failed to log transaction."
+                            "message": "Failed to generate loan repayment schedule."
                         }), 400
 
-            
+                    # charges = Charge.get_offer_charges(offer.id)
+
+                    logger.error(f"{charges}")
+                    
+                    loan_id = loan.id
+
+                    loan_charges = LoanCharge.create_charges_for_loan(loan_id = loan_id, transaction_id = transaction_id, referenced_amount = 800, charges = charges)
+
+
                     
                 else: 
                     return jsonify({
@@ -76,7 +164,7 @@ class ProvideLoanService(BaseService):
                     "transactionId": transaction_id,
                     "customerId": customer_id,
                     "accountId": account_id,
-                    "msisdn": "3451342",
+                    "msisdn": customer.msisdn,
                     "resultCode": "00",
                     "resultDescription": "Successful"
                     }
@@ -112,8 +200,4 @@ class ProvideLoanService(BaseService):
             db.session.rollback() 
             return jsonify({
                 "message": "Internal Server Error"
-                }) , 500
-        
-    
- 
-
+                }) , 500

app/api/services/repayment.py

@@ -33,7 +33,8 @@ class RepaymentService(BaseService):
                 loan_id = validated_data.get('debtId')
                 product_id = validated_data.get('productId')
                 account_id = validated_data.get('accountId')
-                customer = Customer.get_customer(customer_id) 
+                customer = Customer.get_customer(customer_id)
+                transaction_id  = validated_data.get('transactionId')
         
                 if(RepaymentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
 
@@ -41,7 +42,8 @@ class RepaymentService(BaseService):
                     repayment = Repayment.create_repayment(
                         customer_id = customer_id,
                         loan_id = loan_id,
-                        product_id = product_id
+                        product_id = product_id,
+                        transaction_id=transaction_id
 
                     )
 
@@ -71,6 +73,7 @@ class RepaymentService(BaseService):
 
                 # Simulated processing logic
                 response_data = {
+                    "transactionId": transaction_id,
                     "customerId": customer_id,
                     "productId": product_id,
                     "debtId": loan_id,

app/api/services/select_offer.py

@@ -5,7 +5,9 @@ from app.api.enums import TransactionType
 from app.utils.logger import logger
 from app.api.schemas.select_offer import SelectOfferSchema
 from app.extensions import db
-
+from app.models import Offer
+from datetime import date
+from dateutil.relativedelta import relativedelta
 
 class SelectOfferService(BaseService):
     TRANSACTION_TYPE = TransactionType.SELECT_OFFER
@@ -28,6 +30,11 @@ class SelectOfferService(BaseService):
                 )
                 account_id = validated_data.get("accountId")
                 customer_id = validated_data.get("customerId")
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
+                offer_id = validated_data.get("offerId")
+                transaction_id = validated_data.get("transactionId")
+                request_id = validated_data.get("requestId")
 
                 if SelectOfferService.validate_account_ownership(
                     account_id=account_id, customer_id=customer_id
@@ -42,30 +49,76 @@ class SelectOfferService(BaseService):
                 else:
                     return jsonify({"message": "Invalid Customer or Account"}), 400
 
+                # Get the offer by product ID
+                offer = Offer.get_offer_by_product_id(product_id)
+
+                db.session.flush()
+
+                charges = SelectOfferService.calculate_charges(offer, amount)
+                upfront_payment = charges["upfront_payment"]
+                total_amount = charges["total_amount"]
+                installment_amount = charges["installment_amount"]
+                interest = charges["interest"]
+                management = charges["management"]
+                insurance = charges["insurance"]
+                vat = charges["vat"]
+                repayment_amount = charges["repayment_amount"]
+
+
+                # Calculate the repayment dates
+                tenor = offer.tenor
+                start_date = date.today()
+
+                # Convert tenor to months
+                months = offer.schedule # tenor  // 30
+
+                recommended_repayment_dates = [
+                    (start_date + relativedelta(months=i + 1)).isoformat()
+                    for i in range(months)
+                ]
+
+            
+
                 offers = [
                     {
-                        "offerId": "14451",
-                        "productId": "2030",
-                        "amount": 10000.0,
-                        "upfrontPayment": 1000.0,
-                        "interestRate": 3.0,
-                        "managementRate": 1.0,
-                        "managementFee": 1.0,
-                        "insuranceRate": 1.0,
-                        "insuranceFee": 100.0,
-                        "VATRate": 7.5,
-                        "VATAmount": 100.0,
-                        "recommendedRepaymentDates": ["2022-11-30"],
-                        "installmentAmount": 11000.0,
-                        "totalRepaymentAmount": 11000.0,
+                        "offerId": offer.id,
+                        "productId": product_id,
+                        "amount": amount,
+                        "upfrontPayment": upfront_payment,
+                        "interestRate": offer.interest_rate,
+                        "managementRate": offer.management_rate,
+                        "managementFee": management["fee"],
+                        "insuranceRate": offer.insurance_rate,
+                        "insuranceFee": insurance["fee"],
+                        "VATRate": offer.vat_rate,
+                        "VATAmount": vat["fee"],
+                        "recommendedRepaymentDates": recommended_repayment_dates,
+                        "repaymentAmount": repayment_amount,
+                        "installmentAmount": installment_amount,
+                        "totalRepaymentAmount": total_amount,
                     }
                 ]
 
+                # "offerId": offer.id,
+                # "productId": product_id,
+                # "amount": amount,
+                # "upfrontPayment": upfront_payment,
+                # "interestRate": interest["rate"],
+                # "managementRate": management["rate"],
+                # "managementFee": management["fee"],
+                # "insuranceRate": insurance["rate"],
+                # "insuranceFee": insurance["fee"],
+                # "VATRate": vat["rate"],
+                # "VATAmount": vat["fee"],
+                # "recommendedRepaymentDates": recommended_repayment_dates,
+                # "installmentAmount": installment_amount,
+                # "totalRepaymentAmount": total_amount,
+                #
                 # Business logic - selecting an offer
                 response_data = {
                     "outstandingDebtAmount": 0,
-                    "requestId": "202111170001371256908",
-                    "transactionId": transaction.id,
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
                     "customerId": customer_id,
                     "accountId": account_id,
                     "loan": offers,
@@ -91,3 +144,4 @@ class SelectOfferService(BaseService):
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback() 
             return jsonify({"message": "Internal Server Error"}), 500
+        

app/config.py

@@ -31,7 +31,8 @@ class Config:
         "JWT_REFRESH_TOKEN_EXPIRES", timedelta(days=30)
     )
 
-    KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
+    # KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
+    KAFKA_BROKER = os.getenv("KAFKA_BROKER", "dev-events.simbrellang.net:9085")
 
 
 settings = Config()

app/models/__init__.py

@@ -3,5 +3,12 @@ from .account import Account
 from .loan import Loan
 from .transaction import Transaction
 from .repayment import Repayment
+from .loan_charge import LoanCharge
+from .offer import Offer
+from .charge import Charge
+from .rac_checks import RACCheck
+from .loan_repayment_schedule import LoanRepaymentSchedule
+from .transaction_offers import TransactionOffer
 
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment']
+
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer']

app/models/account.py

@@ -42,7 +42,7 @@ class Account(db.Model):
             return False
         if account.lien_amount > 0:
             return False
-        return True
+        return account
 
     def __repr__(self):
         return f'<Account {self.id}>'

app/models/charge.py

@@ -0,0 +1,95 @@
+from datetime import datetime, timezone, timedelta
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+
+class Charge(db.Model):
+    __tablename__ = 'charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    offer_id = db.Column(db.String(50), nullable=False)
+    code = db.Column(db.String(50), nullable=False)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due = db.Column(db.Integer, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    offer = relationship(
+        "Offer",
+        primaryjoin="Charge.offer_id == Offer.id",
+        foreign_keys=[offer_id],
+        back_populates="charges",
+    )
+
+    @classmethod
+    def add_charges(cls, offer_id, charges):
+        """
+        Add charges to an offer.
+
+        Args:
+            offer_id (int): ID of the offer to associate charges with.
+            charges (list): A list of dictionaries with keys:
+            code (str), amount (float), percent (float), description (str), due (int)
+        """
+        if not charges or not isinstance(charges, list):
+            raise ValueError("Charges must be a non-empty list of dictionaries")
+
+        if offer_id is None:
+            raise ValueError("offer_id cannot be None")
+
+        offer_charges = []
+       
+
+        for charge in charges:
+            code = charge.get("code")
+            percent = charge.get("percent", 0.0)
+            description = charge.get("description", "")
+            due_days = charge.get("due", 0)
+
+            existing = cls.query.filter_by(offer_id=offer_id, code=code).first()
+
+            if existing:
+                continue
+
+            charge_obj = cls(
+                offer_id = offer_id,
+                code = code,
+                percent = percent,
+                description = description,
+                due = due_days
+            )
+
+            db.session.add(charge_obj)
+            offer_charges.append(charge_obj)
+
+        return offer_charges
+    
+    @classmethod
+    def get_offer_charges(cls, offer_id):
+        """
+        Get all charges for a particular offer as a dictionary
+
+        Args:
+            offer_id (str): The offer ID.
+        """
+        if not offer_id:
+            raise ValueError("offer_id not found")
+
+        charges = cls.query.filter_by(offer_id=offer_id).all()
+        
+        return charges
+
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'offerId': self.offer_id,
+            'code': self.code,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due
+        }
+
+    def __repr__(self):
+        return f"<Charge {self.id} - Offer {self.offer_id} - {self.code}>"

app/models/customer.py

@@ -27,12 +27,19 @@ class Customer(db.Model):
         back_populates="customer",
     )
 
+    transaction_offers = relationship(
+        "TransactionOffer",
+        primaryjoin="Customer.id == TransactionOffer.customer_id",
+        foreign_keys="TransactionOffer.customer_id",
+        back_populates="customer",
+    )
+
     @classmethod
     def is_valid_customer(cls, customer_id):
         customer = cls.query.filter_by(id=customer_id).first()
         if not customer:
             return False
-        return True
+        return customer
 
     @classmethod
     def create_customer(cls, id, msisdn, country_code, account_id, account_type='savings'):

app/models/loan.py

@@ -4,7 +4,8 @@ from app.models.customer import Customer
 from app.models.account import Account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy.orm import relationship
-from app.models import Customer
+from dateutil.relativedelta import relativedelta 
+from datetime import timedelta
 
 
 class Loan(db.Model):
@@ -17,17 +18,24 @@ class Loan(db.Model):
     )
     customer_id = db.Column(db.String(50), nullable=False)
     transaction_id = db.Column(db.String(50), nullable=True)
+    original_transaction = db.Column(db.String(50), nullable=True)
     account_id = db.Column(db.String(50), nullable=False)
     offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
     collection_type = db.Column(db.String(20), nullable=True) 
     current_loan_amount = db.Column(db.Float, nullable=True)  
     initial_loan_amount = db.Column(db.Float, nullable=False) 
     default_penalty_fee = db.Column(db.Float, default=0)  
     continuous_fee = db.Column(db.Float, default=0)
+    upfront_fee = db.Column(db.Float, nullable=True, default=0.0)
+    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    installment_amount = db.Column(db.Float, nullable=True, default=0.0)
     status = db.Column(db.String(20), default='pending')
+    tenor = db.Column(db.Integer, nullable=True)
     due_date = db.Column(db.DateTime, nullable=True) 
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
     updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+    eligible_amount = db.Column(db.Float, nullable=True, default=0.0)
 
     customer = relationship(
         "Customer",
@@ -36,36 +44,72 @@ class Loan(db.Model):
         back_populates="loans",
     )
 
-    @classmethod
-    def create_loan(cls, customer_id, account_id, offer_id, initial_loan_amount, collection_type, transaction_id, status='pending'):
+    loan_charges = relationship(
+        "LoanCharge",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys="LoanCharge.loan_id",
+        back_populates="loan",
+    )
 
+    loan_repayment_schedules = relationship(
+        "LoanRepaymentSchedule",
+        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
+        foreign_keys="LoanRepaymentSchedule.loan_id",
+        back_populates="loan",
+    )
+
+
+    @classmethod
+    def create_loan(
+        cls,
+        customer_id,
+        account_id,
+        offer_id,
+        product_id,
+        initial_loan_amount,
+        collection_type,
+        transaction_id,
+        upfront_fee,
+        repayment_amount,
+        installment_amount,
+        tenor,
+        eligible_amount,
+        status = "pending",
+    ):
         # Check if customer exists
-        is_valid = Customer.is_valid_customer(customer_id)
-        if not is_valid:
+        customer = Customer.is_valid_customer(customer_id)
+        if not customer:
             raise ValueError("Customer does not exist")
 
         now = datetime.now(timezone.utc)
+        due_date = now + timedelta(days=tenor)
 
         # Create and save the loan
         loan = cls(
             customer_id = customer_id,
             account_id = account_id,
             offer_id = offer_id,
+            product_id = product_id,
             collection_type = collection_type,
             transaction_id = transaction_id,
+            original_transaction = transaction_id,
             initial_loan_amount = initial_loan_amount,
             current_loan_amount = initial_loan_amount,
-            due_date=now, 
-            status = status
+            upfront_fee = upfront_fee,
+            repayment_amount = repayment_amount,
+            installment_amount = installment_amount,
+            due_date=due_date,
+            tenor = tenor,
+            status = status,
+            eligible_amount =eligible_amount
         )
-
+        
         try:
             db.session.add(loan)
         except IntegrityError as err:
             raise ValueError(f"Database integrity error: {err}")
         return loan
 
-
     @classmethod
     def has_active_loans(cls, customer_id):
         active_loans = cls.query.filter_by(
@@ -116,6 +160,9 @@ class Loan(db.Model):
             'defaultPenaltyFee': self.default_penalty_fee,
             'continuousFee': self.continuous_fee,
             'collectionType': self.collection_type,
+            'upfrontFee': self.upfront_fee,
+            'repaymentAmount': self.repayment_amount,
+            'installmentAmount': self.installment_amount,
             'status': self.status,
             'dueDate': self.due_date.isoformat() if self.due_date else None,
             'loanDate': self.created_at.isoformat() if self.created_at else None,

app/models/loan_charge.py

@@ -0,0 +1,89 @@
+from datetime import datetime, timezone, timedelta
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from app.utils.logger import logger
+
+
+class LoanCharge(db.Model):
+    __tablename__ = 'loan_charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    code = db.Column(db.String(50), nullable=False) 
+    amount = db.Column(db.Float, default=0.0)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_charges",
+    )
+
+    @classmethod
+    def create_charges_for_loan(cls, loan_id, transaction_id, charges, referenced_amount = 0.0):
+        """
+        Create loan charges for a given loan.
+
+        Args:
+            loan_id (int): ID of the loan to associate charges with.
+            charges (list): A list of dictionaries with keys: 
+            code (str), amount (float), percent (float), description (str), due (int)
+        """
+        # if not charges or not isinstance(charges, list):
+        #     raise ValueError("Charges must be a non-empty list of dictionaries")
+        
+        if loan_id is None:
+            raise ValueError("loan_id cannot be None")
+
+        loan_charges = []
+        now = datetime.now(timezone.utc)
+
+
+        subset_keys = ['interest', 'management', 'insurance', 'vat']
+        for item in subset_keys:
+            charge =  charges[item]
+            due_days = charge['due_days'] #  getattr(charge, "due_days", 0)
+            amount =  charge['fee'] # getattr(charge, "fee", 0.0)
+            percent =  charge['rate'] # getattr(charge, "rate", 0.0)
+            code =  charge['code'] # getattr(charge, "code","")
+            description =  charge['description'] # getattr(charge, "description", "")
+
+            charge_obj = cls(
+                loan_id = loan_id,
+                transaction_id = transaction_id,
+                code = code,
+                amount = round(amount, 2),
+                percent = percent,
+                description = description,
+                due = due_days,
+                due_date = now + timedelta(days=due_days)
+            )
+
+            db.session.add(charge_obj)
+            loan_charges.append(charge_obj)
+
+        return loan_charges
+
+    
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'transactionId': self.transaction_id,
+            'code': self.code,
+            'amount': self.amount,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due,
+        }
+
+    def __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"

app/models/loan_repayment_schedule.py

@@ -0,0 +1,70 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from dateutil.relativedelta import relativedelta
+
+class LoanRepaymentSchedule(db.Model):
+    __tablename__ = 'loan_repayment_schedules'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    product_id = db.Column(db.String(20), nullable=True)
+    installment_number = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=False)
+    installment_amount= db.Column(db.Float, default=0.0)
+    total_repayment_amount = db.Column(db.Float, default=0.0)
+    paid = db.Column(db.Boolean, default=False)
+    paid_at = db.Column(db.DateTime, nullable=True)
+
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_repayment_schedules",
+    )
+
+
+    @classmethod
+    def add_repayment_schedule(cls, loan, num_schedules, transaction_id):
+        """
+        Add repayment schedules for a given loan.
+        """
+        now = datetime.now(timezone.utc)
+        schedules = []
+
+        for i in range(num_schedules):
+            due_date = now + relativedelta(months=i + 1)
+            schedule = LoanRepaymentSchedule(
+                loan_id=loan.id,
+                installment_number=i + 1,
+                due_date=due_date,
+                total_repayment_amount = round(loan.repayment_amount, 2),
+                installment_amount=round(loan.installment_amount, 2),
+                product_id = loan.product_id,
+                transaction_id = transaction_id
+            )
+            
+            db.session.add(schedule)
+            schedules.append(schedule)
+
+        return schedules
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'installmentNumber': self.installment_number,
+            'dueDate': self.due_date.isoformat(),
+            'principalAmount': self.principal_amount,
+            'interestAmount': self.interest_amount,
+            'totalInstallment': self.total_installment,
+            'paid': self.paid,
+            'paidAt': self.paid_at.isoformat() if self.paid_at else None
+        }
+
+    def __repr__(self):
+        return f'<LoanRepaymentSchedule Loan:{self.loan_id} Installment:{self.installment_number}>'

app/models/offer.py

@@ -1,16 +1,86 @@
 from datetime import datetime, timezone
 from app.extensions import db
+from app.models.charge import Charge
+from sqlalchemy.orm import relationship
 
 class Offer(db.Model):
     __tablename__ = 'offers'
 
-    id = db.Column(db.Integer, primary_key=True)
+    id = db.Column(db.String, primary_key=True)
     product_id = db.Column(db.String, nullable=False)
     min_amount = db.Column(db.Float, nullable=False)
     max_amount = db.Column(db.Float, nullable=False)
     tenor = db.Column(db.Integer, nullable=False)
+    schedule = db.Column(db.Integer, nullable=True)
+    interest_rate = db.Column(db.Float, default=3.0)
+    management_rate = db.Column(db.Float, default=1.0)
+    insurance_rate = db.Column(db.Float, default=1.0)
+    vat_rate = db.Column(db.Float, default=7.5)
+    list_order = db.Column(db.Integer, nullable=True)
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
     updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
+    charges = relationship(
+        "Charge",
+        primaryjoin="Offer.id == Charge.offer_id",
+        foreign_keys="Charge.offer_id",
+        back_populates="offer",
+    )
+
+    @classmethod
+    def get_all_offers(cls):
+        """
+        Return all offers in dictionary format.
+        """
+        offers = cls.query.all()
+
+        if not offers:
+            raise ValueError(f"No available offers")        
+        return offers
+    
+    @classmethod
+    def is_valid_offer(cls, offer_id):
+        offer = cls.query.filter_by(id=str(offer_id)).first()
+
+
+        if not offer:
+            return False
+        return offer
+
+    @classmethod
+    def get_offer_by_id(cls, offer_id):
+        """
+        Return an offer by its ID.
+        """
+        offer = cls.query.filter_by(id=str(offer_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with ID {offer_id} not found")
+        return offer
+
+    @classmethod
+    def get_offer_by_product_id(cls, product_id):
+        """
+        Return an offer by its product ID.
+        """
+        offer = cls.query.filter_by(product_id=str(product_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with Product ID {product_id} not found")
+        return offer
+    
+    def to_dict(self):
+        return {
+            "offerId": self.id,
+            "productId": self.product_id,
+            "minAmount": self.min_amount,
+            "maxAmount": self.max_amount,
+            "tenor": self.tenor,
+            "interest_rate": self.interest_rate,
+            "management_rate": self.management_rate,
+            "insurance_rate": self.insurance_rate,
+            "vat_rate": self.vat_rate
+        }
+    
     def __repr__(self):
         return f'<LoanOffer {self.id}>'

app/models/rac_checks.py

@@ -0,0 +1,73 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from sqlalchemy.exc import IntegrityError
+from uuid import uuid4
+from sqlalchemy.types import JSON
+
+class RACCheck(db.Model):
+    __tablename__ = 'rac_checks'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    customer_id = db.Column(db.String, nullable=False)
+    account_id = db.Column(db.String, nullable=False)
+    rac_response = db.Column(db.JSON, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    @classmethod
+    def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
+    
+
+        # Save the response
+        rac_check = cls(
+            customer_id = customer_id,
+            account_id = account_id,
+            transaction_id = transaction_id,
+            rac_response = data
+        )
+        
+        try:
+            db.session.add(rac_check)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+        return rac_check
+
+
+    @classmethod
+    def get_all_rac_checks(cls):
+        """
+        Return all RAC checks in dictionary format.
+        """
+        rac_checks = cls.query.all()
+
+        if not rac_checks:
+            return None
+        return rac_checks
+    
+    @classmethod
+    def get_rac_check(cls, customer_id, account_id):
+        """
+        Return a RAC check by its ID.
+        """
+        rac_check = cls.query.filter_by( customer_id = customer_id,
+                    account_id = account_id,).first()
+
+        if not rac_check:
+            raise ValueError(f"RAC Check for customer not found")
+        return rac_check
+
+    def to_dict(self):
+        return {
+            "id": str(self.id),
+            "transactionId": str(self.transaction_id),
+            "customerId": self.customer_id,
+            "accountId": self.account_id,
+            "racResponse": self.rac_response,
+            "createdAt": self.created_at.isoformat(),
+            "updatedAt": self.updated_at.isoformat() if self.updated_at else None
+        }
+
+    def __repr__(self):
+        return f'<RACCheck {self.id}>'

app/models/repayment.py

@@ -19,9 +19,10 @@ class Repayment(db.Model):
     product_id = db.Column(db.String(20), nullable=True)
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
     updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+    transaction_id = db.Column(db.String(50), nullable=True)
 
     @classmethod
-    def create_repayment(cls, customer_id, loan_id, product_id):
+    def create_repayment(cls, customer_id, loan_id, product_id, transaction_id):
 
 
         # Check customer exists
@@ -40,6 +41,7 @@ class Repayment(db.Model):
             customer_id=customer_id,
             loan_id=loan_id,
             product_id=product_id,
+            transaction_id = transaction_id
         )
 
         try:

app/models/transaction_offers.py

@@ -0,0 +1,78 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+class TransactionOffer(db.Model):
+    __tablename__ = 'transaction_offers'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    customer_id = db.Column(db.String(50), nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    min_amount = db.Column(db.Float, nullable=False)
+    max_amount = db.Column(db.Float, nullable=False)
+    eligible_amount = db.Column(db.Float, nullable=True)
+    tenor = db.Column(db.Integer, nullable=True)  # tenor in months, typically
+
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == TransactionOffer.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="transaction_offers",
+    )
+
+    @classmethod
+    def is_valid_transaction_offer(cls, offer_id, customer_id, product_id):
+        transaction_offer = cls.query.filter_by(
+            id = str(offer_id),
+            customer_id = customer_id,
+            product_id = product_id
+            # transaction_id = transaction_id,
+            ).first()
+
+        if not transaction_offer:
+            return False
+        return transaction_offer
+
+    @classmethod
+    def create_transaction_offer(cls, customer_id, transaction_id, offer_id, min_amount, max_amount, eligible_amount=None, product_id=None, tenor=None):
+        """
+        Class method to create and save a TransactionOffer.
+        """
+        transaction_offer = cls(
+            customer_id=customer_id,
+            transaction_id=transaction_id,
+            offer_id=offer_id,
+            min_amount=min_amount,
+            max_amount=max_amount,
+            eligible_amount=eligible_amount,
+            product_id=product_id,
+            tenor=tenor
+        )
+
+        db.session.add(transaction_offer)
+        db.session.flush()
+
+        return transaction_offer
+    
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'customerId': self.customer_id,
+            'transactionId': self.transaction_id,
+            'offerId': self.offer_id,
+            'productId': self.product_id,
+            'minAmount': self.min_amount,
+            'maxAmount': self.max_amount,
+            'eligibleAmount': self.eligible_amount,
+            'tenor': self.tenor,
+            'createdAt': self.created_at.isoformat() if self.created_at else None,
+            'updatedAt': self.updated_at.isoformat() if self.updated_at else None,
+        }
+
+    def __repr__(self):
+        return f'<TransactionOffer {self.id}>'

app/swagger/schemas/LoanStatusResponse.json

@@ -47,13 +47,26 @@
                     "productId": {
                         "type": "string",
                         "example": "101"
+                    },
+                    "installment": {
+            "type": "array",
+            "items": {
+                "type": "object",
+                "properties": {
+                    "amount": {
+                        "type": "number",
+                        "format": "float",
+                        "example": 10000.0
+                    },
+                    "repaymentDate": {
+                        "type": "string",
+                        "example": "2025-04-24 10:31:"
                     }
                 }
             }
-        },
-        "totalDebtAmount": {
-            "type": "integer",
-            "example": 8500
+        }
+                }
+            }
         },
         "resultCode": {
             "type": "string",

app/swagger/schemas/SelectOfferRequest.json

@@ -27,6 +27,10 @@
             "example": "ACN8263457"
         },
         "productId": {
+            "type": "string",
+            "example": "2090"
+        },
+        "offerId": {
             "type": "string",
             "example": "101"
         },

app/swagger/schemas/SelectOfferResponse.json

@@ -35,6 +35,10 @@
                         "format": "float",
                         "example": 10000.0
                     },
+                    "dueDate": {
+                        "type": "string",
+                        "example": "2025-04-24 10:31:"
+                    },
                     "upfrontPayment": {
                         "type": "number",
                         "format": "float",
@@ -75,7 +79,7 @@
                         "format": "float",
                         "example": 100.0
                     },
-                    "recommendedRepaymentDates": {
+                    "installmentRepaymentDates": {
                         "type": "array",
                         "items": {
                             "type": "string"

migrations/versions/1b2339f43824_migration_on_thu_apr_24_17_42_25_utc_.py

@@ -0,0 +1,53 @@
+"""Migration on Thu Apr 24 17:42:25 UTC 2025
+
+Revision ID: 1b2339f43824
+Revises: de9ad96ba34e
+Create Date: 2025-04-24 17:43:09.589626
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '1b2339f43824'
+down_revision = 'de9ad96ba34e'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('rac_checks',
+    sa.Column('id', sa.String(), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(), nullable=False),
+    sa.Column('account_id', sa.String(), nullable=False),
+    sa.Column('rac_response', sa.JSON(), nullable=False),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.alter_column('amount',
+               existing_type=sa.NUMERIC(precision=10, scale=2),
+               type_=sa.Float(),
+               existing_nullable=True)
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('installment_amount')
+        batch_op.drop_column('repayment_amount')
+        batch_op.drop_column('upfront_fee')
+
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.alter_column('amount',
+               existing_type=sa.Float(),
+               type_=sa.NUMERIC(precision=10, scale=2),
+               existing_nullable=True)
+
+    op.drop_table('rac_checks')
+    # ### end Alembic commands ###

migrations/versions/287ecb02d3d7_migration_on_wed_apr_16_18_35_18_utc_.py

@@ -0,0 +1,32 @@
+"""Migration on Wed Apr 16 18:35:18 UTC 2025
+
+Revision ID: 287ecb02d3d7
+Revises: a4847b997191
+Create Date: 2025-04-16 18:36:04.632791
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '287ecb02d3d7'
+down_revision = 'a4847b997191'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.drop_column('transaction_id')
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('transaction_id', sa.VARCHAR(length=50), autoincrement=False, nullable=True))
+
+    # ### end Alembic commands ###

migrations/versions/2a45dd99c9cb_migration_on_fri_apr_25_15_01_00_utc_.py

@@ -0,0 +1,42 @@
+"""Migration on Fri Apr 25 15:01:00 UTC 2025
+
+Revision ID: 2a45dd99c9cb
+Revises: 2cf0c177ca02
+Create Date: 2025-04-25 15:01:51.129681
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '2a45dd99c9cb'
+down_revision = '2cf0c177ca02'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('product_id', sa.String(length=20), nullable=True))
+        batch_op.add_column(sa.Column('installment_amount', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('total_repayment_amount', sa.Float(), nullable=True))
+        batch_op.drop_column('principal_amount')
+        batch_op.drop_column('interest_amount')
+        batch_op.drop_column('total_installment')
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('total_installment', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
+        batch_op.add_column(sa.Column('interest_amount', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
+        batch_op.add_column(sa.Column('principal_amount', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
+        batch_op.drop_column('total_repayment_amount')
+        batch_op.drop_column('installment_amount')
+        batch_op.drop_column('product_id')
+
+    # ### end Alembic commands ###

migrations/versions/2cf0c177ca02_migration_on_fri_apr_25_14_02_01_utc_.py

@@ -0,0 +1,41 @@
+"""Migration on Fri Apr 25 14:02:01 UTC 2025
+
+Revision ID: 2cf0c177ca02
+Revises: 1b2339f43824
+Create Date: 2025-04-25 14:02:42.244146
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '2cf0c177ca02'
+down_revision = '1b2339f43824'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('loan_repayment_schedules',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.Integer(), nullable=False),
+    sa.Column('installment_number', sa.Integer(), nullable=False),
+    sa.Column('due_date', sa.DateTime(), nullable=False),
+    sa.Column('principal_amount', sa.Float(), nullable=True),
+    sa.Column('interest_amount', sa.Float(), nullable=True),
+    sa.Column('total_installment', sa.Float(), nullable=True),
+    sa.Column('paid', sa.Boolean(), nullable=True),
+    sa.Column('paid_at', sa.DateTime(), nullable=True),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_table('loan_repayment_schedules')
+    # ### end Alembic commands ###

migrations/versions/3105abd795d4_.py

@@ -0,0 +1,52 @@
+"""empty message
+
+Revision ID: 3105abd795d4
+Revises: 95a52be203c4
+Create Date: 2025-05-07 11:44:18.483694
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '3105abd795d4'
+down_revision = '95a52be203c4'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
+        # Step 1: Drop the default value
+        batch_op.alter_column('id',
+            server_default=None,
+            existing_type=sa.VARCHAR(),
+            existing_nullable=False
+        )
+
+    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
+        # Step 2: Change the column type
+        batch_op.alter_column('id',
+            existing_type=sa.VARCHAR(),
+            type_=sa.Integer(),
+            existing_nullable=False,
+            autoincrement=True,
+            postgresql_using='id::integer'
+        )
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
+        batch_op.alter_column('id',
+               existing_type=sa.Integer(),
+               type_=sa.VARCHAR(),
+               existing_nullable=False,
+               autoincrement=True,
+               existing_server_default=sa.text("''::character varying"))
+
+    # ### end Alembic commands ###

migrations/versions/38acee611d55_migration_for_mloan_table.py

@@ -0,0 +1,32 @@
+"""Migration for mloan table
+
+Revision ID: 38acee611d55
+Revises: f1e83a993034
+Create Date: 2025-04-30 09:55:30.552838
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '38acee611d55'
+down_revision = 'f1e83a993034'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('tenor', sa.Integer(), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('tenor')
+
+    # ### end Alembic commands ###

migrations/versions/86e701febdda_.py

@@ -0,0 +1,41 @@
+"""empty message
+
+Revision ID: 86e701febdda
+Revises: eb99c7fb9e09
+Create Date: 2025-04-29 07:59:33.305967
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '86e701febdda'
+down_revision = 'eb99c7fb9e09'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('transaction_offers',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('offer_id', sa.String(length=20), nullable=False),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('min_amount', sa.Float(), nullable=False),
+    sa.Column('max_amount', sa.Float(), nullable=False),
+    sa.Column('eligible_amount', sa.Float(), nullable=True),
+    sa.Column('tenor', sa.Integer(), nullable=True),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_table('transaction_offers')
+    # ### end Alembic commands ###

migrations/versions/89759cebb9c6_migration_on_sat_apr_26_12_50_46_utc_.py

@@ -0,0 +1,38 @@
+"""Migration on Sat Apr 26 12:50:46 UTC 2025
+
+Revision ID: 89759cebb9c6
+Revises: 2a45dd99c9cb
+Create Date: 2025-04-26 12:50:49.771355
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '89759cebb9c6'
+down_revision = '2a45dd99c9cb'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('offers', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('interest_rate', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('management_rate', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('insurance_rate', sa.Float(), nullable=True))
+        batch_op.add_column(sa.Column('vat_rate', sa.Float(), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('offers', schema=None) as batch_op:
+        batch_op.drop_column('vat_rate')
+        batch_op.drop_column('insurance_rate')
+        batch_op.drop_column('management_rate')
+        batch_op.drop_column('interest_rate')
+
+    # ### end Alembic commands ###

migrations/versions/95a52be203c4_migration_on_sat_may_3_21_53_29_utc_2025.py

@@ -0,0 +1,32 @@
+"""Migration on Sat May  3 21:53:29 UTC 2025
+
+Revision ID: 95a52be203c4
+Revises: 38acee611d55
+Create Date: 2025-05-03 21:53:32.154029
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '95a52be203c4'
+down_revision = '38acee611d55'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('eligible_amount', sa.Float(), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('eligible_amount')
+
+    # ### end Alembic commands ###

migrations/versions/a4847b997191_migration_on_wed_apr_16_17_42_49_utc_.py

@@ -0,0 +1,57 @@
+"""Migration on Wed Apr 16 17:42:49 UTC 2025
+
+Revision ID: a4847b997191
+Revises: 783a023a477f
+Create Date: 2025-04-16 17:43:22.509659
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'a4847b997191'
+down_revision = '783a023a477f'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('loan_charges',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.Integer(), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('code', sa.String(length=50), nullable=False),
+    sa.Column('amount', sa.Float(), nullable=True),
+    sa.Column('percent', sa.Float(), nullable=True),
+    sa.Column('description', sa.Text(), nullable=True),
+    sa.Column('due', sa.Integer(), nullable=False),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('offers',
+    sa.Column('id', sa.String(), nullable=False),
+    sa.Column('product_id', sa.String(), nullable=False),
+    sa.Column('min_amount', sa.Float(), nullable=False),
+    sa.Column('max_amount', sa.Float(), nullable=False),
+    sa.Column('tenor', sa.Integer(), nullable=False),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('product_id', sa.String(length=20), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('product_id')
+
+    op.drop_table('offers')
+    op.drop_table('loan_charges')
+    # ### end Alembic commands ###

migrations/versions/de9ad96ba34e_migration_on_thu_apr_17_14_15_36_utc_.py

@@ -0,0 +1,38 @@
+"""Migration on Thu Apr 17 14:15:36 UTC 2025
+
+Revision ID: de9ad96ba34e
+Revises: ec8d97f9b584
+Create Date: 2025-04-17 14:16:16.537466
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'de9ad96ba34e'
+down_revision = 'ec8d97f9b584'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('charges',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('offer_id', sa.String(length=50), nullable=False),
+    sa.Column('code', sa.String(length=50), nullable=False),
+    sa.Column('percent', sa.Float(), nullable=True),
+    sa.Column('description', sa.Text(), nullable=True),
+    sa.Column('due', sa.Integer(), nullable=False),
+    sa.Column('created_at', sa.DateTime(), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_table('charges')
+    # ### end Alembic commands ###

migrations/versions/eb99c7fb9e09_migration_on_sat_apr_26_19_02_17_utc_.py

@@ -0,0 +1,32 @@
+"""Migration on Sat Apr 26 19:02:17 UTC 2025
+
+Revision ID: eb99c7fb9e09
+Revises: 89759cebb9c6
+Create Date: 2025-04-26 19:02:20.443678
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'eb99c7fb9e09'
+down_revision = '89759cebb9c6'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('original_transaction', sa.String(length=50), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loans', schema=None) as batch_op:
+        batch_op.drop_column('original_transaction')
+
+    # ### end Alembic commands ###

migrations/versions/ec8d97f9b584_migration_on_thu_apr_17_10_40_05_utc_.py

@@ -0,0 +1,34 @@
+"""Migration on Thu Apr 17 10:40:05 UTC 2025
+
+Revision ID: ec8d97f9b584
+Revises: 287ecb02d3d7
+Create Date: 2025-04-17 10:40:34.751272
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'ec8d97f9b584'
+down_revision = '287ecb02d3d7'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('transaction_id', sa.String(length=50), nullable=True))
+        batch_op.add_column(sa.Column('due_date', sa.DateTime(), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
+        batch_op.drop_column('due_date')
+        batch_op.drop_column('transaction_id')
+
+    # ### end Alembic commands ###

migrations/versions/f1e83a993034_migration_on_tue_apr_29_20_43_35_utc_.py

@@ -0,0 +1,32 @@
+"""Migration on Tue Apr 29 20:43:35 UTC 2025
+
+Revision ID: f1e83a993034
+Revises: 86e701febdda
+Create Date: 2025-04-29 20:43:38.595543
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'f1e83a993034'
+down_revision = '86e701febdda'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
+        batch_op.add_column(sa.Column('transaction_id', sa.String(length=50), nullable=True))
+
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
+        batch_op.drop_column('transaction_id')
+
+    # ### end Alembic commands ###

requirements.txt

@@ -25,7 +25,8 @@ flask-swagger-ui
 python-dotenv
 
 # Requests
-requests
+httpx
+
 
 # JWT
 flask-jwt-extended
@@ -34,3 +35,7 @@ flask-jwt-extended
 # Kafka 
 confluent-kafka==1.9.2
 
+
+
+python-dateutil
+

scripts/entrypoint.sh

@@ -1,8 +1,8 @@
 #!/bin/sh
 
-echo "Running DB migrations..."
-flask db migrate -m "Migration on $(date)"
-flask db upgrade
+# echo "Running DB migrations..."
+# flask db migrate -m "Migration on $(date)"
+# flask db upgrade
 
 echo "Starting Gunicorn server..."
 exec gunicorn -w 4 -b 0.0.0.0:5000 wsgi:wsgi_app

tests/jmeter/digifi-BankToProductCore.jmx

@@ -0,0 +1,651 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<jmeterTestPlan version="1.2" properties="5.0" jmeter="5.6.3">
+  <hashTree>
+    <TestPlan guiclass="TestPlanGui" testclass="TestPlan" testname="Simbrella FirstAdvance API Test">
+      <boolProp name="TestPlan.tearDown_on_shutdown">true</boolProp>
+      <elementProp name="TestPlan.user_defined_variables" elementType="Arguments" guiclass="ArgumentsPanel" testclass="Arguments" testname="User Defined Variables">
+        <collectionProp name="Arguments.arguments">
+          <elementProp name="baseUrl" elementType="Argument">
+            <stringProp name="Argument.name">baseUrl</stringProp>
+            <stringProp name="Argument.value">http://localhost:4500</stringProp>
+            <stringProp name="Argument.metadata">=</stringProp>
+          </elementProp>
+          <elementProp name="username" elementType="Argument">
+            <stringProp name="Argument.name">username</stringProp>
+            <stringProp name="Argument.value">user</stringProp>
+            <stringProp name="Argument.metadata">=</stringProp>
+          </elementProp>
+          <elementProp name="password" elementType="Argument">
+            <stringProp name="Argument.name">password</stringProp>
+            <stringProp name="Argument.value">password</stringProp>
+            <stringProp name="Argument.metadata">=</stringProp>
+          </elementProp>
+        </collectionProp>
+      </elementProp>
+      <boolProp name="TestPlan.functional_mode">false</boolProp>
+      <boolProp name="TestPlan.serialize_threadgroups">false</boolProp>
+    </TestPlan>
+    <hashTree>
+      <ThreadGroup guiclass="ThreadGroupGui" testclass="ThreadGroup" testname="Authorizaton Thread Group">
+        <intProp name="ThreadGroup.num_threads">1</intProp>
+        <intProp name="ThreadGroup.ramp_time">1</intProp>
+        <boolProp name="ThreadGroup.same_user_on_next_iteration">true</boolProp>
+        <stringProp name="ThreadGroup.on_sample_error">stopthread</stringProp>
+        <elementProp name="ThreadGroup.main_controller" elementType="LoopController" guiclass="LoopControlPanel" testclass="LoopController" testname="Loop Controller">
+          <stringProp name="LoopController.loops">1</stringProp>
+          <boolProp name="LoopController.continue_forever">false</boolProp>
+        </elementProp>
+      </ThreadGroup>
+      <hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="1. Authorize" enabled="true">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/Authorize</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+	&quot;username&quot;:&quot;${username}&quot;,&#xd;
+	&quot;password&quot;:&quot;${password}&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Auth Token" enabled="true">
+            <stringProp name="JSONPostProcessor.referenceNames">access_token</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.data.access_token</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">1</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+            <stringProp name="Scope.variable"></stringProp>
+            <stringProp name="Sample.scope">all</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Auth Refresh Token" enabled="true">
+            <stringProp name="JSONPostProcessor.referenceNames">refresh_token</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.data.refresh_token</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">1</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+            <stringProp name="Scope.variable"></stringProp>
+            <stringProp name="Sample.scope">all</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <JSR223PostProcessor guiclass="TestBeanGUI" testclass="JSR223PostProcessor" testname="JSR223 PostProcessor" enabled="true">
+            <stringProp name="cacheKey">true</stringProp>
+            <stringProp name="filename"></stringProp>
+            <stringProp name="parameters"></stringProp>
+            <stringProp name="script">props.put(&quot;GLOBAL_ACCESS_TOKEN&quot;, vars.get(&quot;access_token&quot;));
+props.put(&quot;GLOBAL_REFRESH_TOKEN&quot;, vars.get(&quot;refresh_token&quot;));</stringProp>
+            <stringProp name="scriptLanguage">groovy</stringProp>
+          </JSR223PostProcessor>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <DebugSampler guiclass="TestBeanGUI" testclass="DebugSampler" testname="Debug Sampler" enabled="true">
+          <boolProp name="displayJMeterProperties">false</boolProp>
+          <boolProp name="displayJMeterVariables">true</boolProp>
+          <boolProp name="displaySystemProperties">false</boolProp>
+        </DebugSampler>
+        <hashTree/>
+        <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree" enabled="true">
+          <boolProp name="ResultCollector.error_logging">false</boolProp>
+          <objProp>
+            <name>saveConfig</name>
+            <value class="SampleSaveConfiguration">
+              <time>true</time>
+              <latency>true</latency>
+              <timestamp>true</timestamp>
+              <success>true</success>
+              <label>true</label>
+              <code>true</code>
+              <message>true</message>
+              <threadName>true</threadName>
+              <dataType>true</dataType>
+              <encoding>false</encoding>
+              <assertions>true</assertions>
+              <subresults>true</subresults>
+              <responseData>false</responseData>
+              <samplerData>false</samplerData>
+              <xml>false</xml>
+              <fieldNames>true</fieldNames>
+              <responseHeaders>false</responseHeaders>
+              <requestHeaders>false</requestHeaders>
+              <responseDataOnError>false</responseDataOnError>
+              <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
+              <assertionsResultsToSave>0</assertionsResultsToSave>
+              <bytes>true</bytes>
+              <sentBytes>true</sentBytes>
+              <url>true</url>
+              <threadCounts>true</threadCounts>
+              <idleTime>true</idleTime>
+              <connectTime>true</connectTime>
+            </value>
+          </objProp>
+          <stringProp name="filename"></stringProp>
+        </ResultCollector>
+        <hashTree/>
+      </hashTree>
+      <ThreadGroup guiclass="ThreadGroupGui" testclass="ThreadGroup" testname="API Test Thread Group">
+        <intProp name="ThreadGroup.num_threads">1</intProp>
+        <intProp name="ThreadGroup.ramp_time">1</intProp>
+        <boolProp name="ThreadGroup.same_user_on_next_iteration">true</boolProp>
+        <stringProp name="ThreadGroup.on_sample_error">continue</stringProp>
+        <elementProp name="ThreadGroup.main_controller" elementType="LoopController" guiclass="LoopControlPanel" testclass="LoopController" testname="Loop Controller">
+          <stringProp name="LoopController.loops">1</stringProp>
+          <boolProp name="LoopController.continue_forever">false</boolProp>
+        </elementProp>
+      </ThreadGroup>
+      <hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="2. Authorize Refresh" enabled="true">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/AuthorizeRefresh</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+&#xd;
+}&#xd;
+</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_REFRESH_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+          <JSR223PreProcessor guiclass="TestBeanGUI" testclass="JSR223PreProcessor" testname="JSR223 PreProcessor" enabled="true">
+            <stringProp name="scriptLanguage">groovy</stringProp>
+            <stringProp name="parameters"></stringProp>
+            <stringProp name="filename"></stringProp>
+            <stringProp name="cacheKey">true</stringProp>
+            <stringProp name="script">// Generate random IDs and store them in JMeter variables
+def transactionId = &quot;TR&quot; + org.apache.commons.lang3.RandomStringUtils.randomAlphanumeric(12)
+def customerId = &quot;CN&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
+def accountId = &quot;ACN&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
+def msisdn = &quot;809&quot; + org.apache.commons.lang3.RandomUtils.nextInt(1000000, 9999999)
+
+// Generate requestId: current timestamp + 6-digit random number
+def timestamp = new Date().format(&quot;yyyyMMddHHmmssSSS&quot;) // e.g., 20250414161243123
+def randomSuffix = org.apache.commons.lang3.RandomStringUtils.randomNumeric(6)
+def requestId = timestamp + randomSuffix
+
+vars.put(&quot;transactionId&quot;, transactionId)
+vars.put(&quot;customerId&quot;, customerId.toString())
+vars.put(&quot;accountId&quot;, accountId.toString())
+vars.put(&quot;msisdn&quot;, msisdn.toString())
+vars.put(&quot;requestId&quot;, requestId)
+</stringProp>
+          </JSR223PreProcessor>
+          <hashTree/>
+        </hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="3. Eligibility Check">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/EligibilityCheck</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
+	&quot;countryCode&quot;:&quot;NGR&quot;,&#xd;
+	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
+	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
+	&quot;channel&quot;:&quot;100&quot;,&#xd;
+	&quot;accountId&quot;:&quot;${accountId}&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Product  ID">
+            <stringProp name="JSONPostProcessor.referenceNames">productId</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.eligibleOffers[0].productId</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="4. Select Offer">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/SelectOffer</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+  &quot;requestId&quot;: &quot;${requestId}&quot;,&#xd;
+  &quot;transactionId&quot;: &quot;${transactionId}&quot;,&#xd;
+  &quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
+  &quot;msisdn&quot;: &quot;${msisdn}&quot;,&#xd;
+  &quot;requestedAmount&quot;: ${__Random(500000,1000000,)}.00,&#xd;
+  &quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
+  &quot;productId&quot;: &quot;${productId}&quot;,&#xd;
+  &quot;channel&quot;: &quot;100&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor - Offer  ID">
+            <stringProp name="JSONPostProcessor.referenceNames">offerId</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loan[0].offerId</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">NOT_FOUND</stringProp>
+            <stringProp name="Sample.scope">all</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor -  Requested Amount" enabled="true">
+            <stringProp name="JSONPostProcessor.referenceNames">amount</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loan[0].amount</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">800</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+            <stringProp name="Sample.scope">all</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="5. Provide Loan">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/ProvideLoan</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+	&quot;requestId&quot;:&quot;${requestId}&quot;,&#xd;
+	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
+	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
+	&quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
+	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
+	&quot;requestedAmount&quot;:${amount},&#xd;
+	&quot;collectionType&quot;:1,&#xd;
+	&quot;offerId&quot;:&quot;${offerId}&quot;,&#xd;
+	&quot;channel&quot;:&quot;100&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="6. Loan Status" enabled="true">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/LoanStatus</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
+	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
+	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
+	&quot;channel&quot;:&quot;100&quot;,&#xd;
+	&quot;accountId&quot;:&quot;${accountId}&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <JSONPostProcessor guiclass="JSONPostProcessorGui" testclass="JSONPostProcessor" testname="JSON Extractor -  Debt Id" enabled="true">
+            <stringProp name="JSONPostProcessor.referenceNames">debtId</stringProp>
+            <stringProp name="JSONPostProcessor.jsonPathExprs">$.loans[0].debtId</stringProp>
+            <stringProp name="JSONPostProcessor.match_numbers">0</stringProp>
+            <stringProp name="JSONPostProcessor.defaultValues">800</stringProp>
+            <stringProp name="JSONPostProcessor.scope">variable</stringProp>
+            <stringProp name="Sample.scope">all</stringProp>
+          </JSONPostProcessor>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <HTTPSamplerProxy guiclass="HttpTestSampleGui" testclass="HTTPSamplerProxy" testname="7. Repayment" enabled="true">
+          <stringProp name="HTTPSampler.domain">localhost</stringProp>
+          <stringProp name="HTTPSampler.port">4500</stringProp>
+          <stringProp name="HTTPSampler.protocol">http</stringProp>
+          <stringProp name="HTTPSampler.path">/Repayment</stringProp>
+          <boolProp name="HTTPSampler.follow_redirects">true</boolProp>
+          <stringProp name="HTTPSampler.method">POST</stringProp>
+          <boolProp name="HTTPSampler.use_keepalive">true</boolProp>
+          <boolProp name="HTTPSampler.postBodyRaw">true</boolProp>
+          <elementProp name="HTTPsampler.Arguments" elementType="Arguments">
+            <collectionProp name="Arguments.arguments">
+              <elementProp name="" elementType="HTTPArgument">
+                <boolProp name="HTTPArgument.always_encode">false</boolProp>
+                <stringProp name="Argument.value">{&#xd;
+	&quot;debtId&quot;:&quot;${debtId}&quot;,&#xd;
+	&quot;transactionId&quot;:&quot;${transactionId}&quot;,&#xd;
+	&quot;customerId&quot;:&quot;${customerId}&quot;,&#xd;
+	&quot;msisdn&quot;:&quot;${msisdn}&quot;,&#xd;
+	&quot;channel&quot;:&quot;100&quot;,&#xd;
+	&quot;accountId&quot;:&quot;${accountId}&quot;,&#xd;
+  	&quot;productId&quot;: &quot;${productId}&quot;&#xd;
+}</stringProp>
+                <stringProp name="Argument.metadata">=</stringProp>
+              </elementProp>
+            </collectionProp>
+          </elementProp>
+        </HTTPSamplerProxy>
+        <hashTree>
+          <HeaderManager guiclass="HeaderPanel" testclass="HeaderManager" testname="HTTP Header Manager" enabled="true">
+            <collectionProp name="HeaderManager.headers">
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Content-Type</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Accept</stringProp>
+                <stringProp name="Header.value">application/json</stringProp>
+              </elementProp>
+              <elementProp name="" elementType="Header">
+                <stringProp name="Header.name">Authorization</stringProp>
+                <stringProp name="Header.value">Bearer ${__P(GLOBAL_ACCESS_TOKEN)}</stringProp>
+              </elementProp>
+            </collectionProp>
+          </HeaderManager>
+          <hashTree/>
+          <ResponseAssertion guiclass="AssertionGui" testclass="ResponseAssertion" testname="Response Assertion" enabled="true">
+            <collectionProp name="Asserion.test_strings"/>
+            <collectionProp name="Asserter.test_strings">
+              <stringProp name="49586">200</stringProp>
+            </collectionProp>
+            <stringProp name="Assertion.test_field">Assertion.response_code</stringProp>
+            <boolProp name="Assertion.assume_success">false</boolProp>
+            <intProp name="Assertion.test_type">16</intProp>
+            <stringProp name="Assertion.custom_message"></stringProp>
+          </ResponseAssertion>
+          <hashTree/>
+        </hashTree>
+        <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree" enabled="true">
+          <boolProp name="ResultCollector.error_logging">false</boolProp>
+          <objProp>
+            <name>saveConfig</name>
+            <value class="SampleSaveConfiguration">
+              <time>true</time>
+              <latency>true</latency>
+              <timestamp>true</timestamp>
+              <success>true</success>
+              <label>true</label>
+              <code>true</code>
+              <message>true</message>
+              <threadName>true</threadName>
+              <dataType>true</dataType>
+              <encoding>false</encoding>
+              <assertions>true</assertions>
+              <subresults>true</subresults>
+              <responseData>false</responseData>
+              <samplerData>false</samplerData>
+              <xml>false</xml>
+              <fieldNames>true</fieldNames>
+              <responseHeaders>false</responseHeaders>
+              <requestHeaders>false</requestHeaders>
+              <responseDataOnError>false</responseDataOnError>
+              <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
+              <assertionsResultsToSave>0</assertionsResultsToSave>
+              <bytes>true</bytes>
+              <sentBytes>true</sentBytes>
+              <url>true</url>
+              <threadCounts>true</threadCounts>
+              <idleTime>true</idleTime>
+              <connectTime>true</connectTime>
+            </value>
+          </objProp>
+          <stringProp name="filename"></stringProp>
+        </ResultCollector>
+        <hashTree/>
+        <DebugSampler guiclass="TestBeanGUI" testclass="DebugSampler" testname="Debug Sampler" enabled="true">
+          <boolProp name="displayJMeterProperties">false</boolProp>
+          <boolProp name="displayJMeterVariables">true</boolProp>
+          <boolProp name="displaySystemProperties">false</boolProp>
+        </DebugSampler>
+        <hashTree/>
+      </hashTree>
+      <ResultCollector guiclass="ViewResultsFullVisualizer" testclass="ResultCollector" testname="View Results Tree">
+        <boolProp name="ResultCollector.error_logging">false</boolProp>
+        <objProp>
+          <name>saveConfig</name>
+          <value class="SampleSaveConfiguration">
+            <time>true</time>
+            <latency>true</latency>
+            <timestamp>true</timestamp>
+            <success>true</success>
+            <label>true</label>
+            <code>true</code>
+            <message>true</message>
+            <threadName>true</threadName>
+            <dataType>true</dataType>
+            <encoding>false</encoding>
+            <assertions>true</assertions>
+            <subresults>true</subresults>
+            <responseData>false</responseData>
+            <samplerData>false</samplerData>
+            <xml>false</xml>
+            <fieldNames>true</fieldNames>
+            <responseHeaders>false</responseHeaders>
+            <requestHeaders>false</requestHeaders>
+            <responseDataOnError>false</responseDataOnError>
+            <saveAssertionResultsFailureMessage>true</saveAssertionResultsFailureMessage>
+            <assertionsResultsToSave>0</assertionsResultsToSave>
+            <bytes>true</bytes>
+            <sentBytes>true</sentBytes>
+            <url>true</url>
+            <threadCounts>true</threadCounts>
+            <idleTime>true</idleTime>
+            <connectTime>true</connectTime>
+          </value>
+        </objProp>
+        <stringProp name="filename"></stringProp>
+      </ResultCollector>
+      <hashTree/>
+    </hashTree>
+  </hashTree>
+</jmeterTestPlan>