Update events_service.py

app/api/integrations/events_service.py

@@ -8,6 +8,7 @@ class EventServiceIntegration:
     EVENTS_SERVICE_BASE_URL = settings.EVENTS_SERVICE_BASE_URL
     ENDPOINT_DIRECT_LOAN = settings.ENDPOINT_DIRECT_LOAN
     ENDPOINT_DIRECT_REPAYMENT = settings.ENDPOINT_DIRECT_REPAYMENT
+    TIMEOUT = settings.TIMEOUT
 
     @staticmethod
     def direct_loan(transaction_id: str):
@@ -23,7 +24,7 @@ class EventServiceIntegration:
         }
 
         try:
-            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response = httpx.post(url, json=payload, headers=headers, timeout=EventServiceIntegration.TIMEOUT)
             logger.info(f"Loan Response: {response.text}")
             return response
         except Exception as e:
@@ -44,7 +45,7 @@ class EventServiceIntegration:
         }
 
         try:
-            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response = httpx.post(url, json=payload, headers=headers, timeout=EventServiceIntegration.TIMEOUT)
             logger.info(f"Repayment Response: {response.text}")
             return response
         except Exception as e:
@@ -61,7 +62,7 @@ class EventServiceIntegration:
         logger.info(f"Health Check URL: {url}")
 
         try:
-            response = httpx.get(url, timeout=5.0)
+            response = httpx.get(url, timeout=EventServiceIntegration.TIMEOUT)
             logger.info(f"Health Check Response: {response.text}")
             return response
         except Exception as e:

app/api/integrations/simbrella.py

@@ -11,6 +11,7 @@ class SimbrellaIntegration:
     HEALTH_ENDPOINT = settings.SIMBRELLA_HEALTH
     AUTH_ENDPOINT =  settings.BANK_CALL_AUTH_ENDPOINT
     SIMBRELLA_VERIFY_BALANCE_ENDPOINT = settings.SIMBRELLA_VERIFY_BALANCE_ENDPOINT
+    TIMEOUT = settings.TIMEOUT
 
     _access_token = None  # cache token in memory
     _token_expiry = 0 
@@ -33,7 +34,7 @@ class SimbrellaIntegration:
         try:
             logger.info(f"Requesting Bank token from {url}")
 
-            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response = httpx.post(url, json=payload, headers=headers, timeout=SimbrellaIntegration.TIMEOUT)
             response.raise_for_status()
 
             data = response.json()
@@ -86,7 +87,7 @@ class SimbrellaIntegration:
             }
 
        
-            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response = httpx.post(url, json=payload, headers=headers, timeout=SimbrellaIntegration.TIMEOUT)
 
             logger.info(f"This is Response: {str(response)}", exc_info=True)
 
@@ -122,7 +123,7 @@ class SimbrellaIntegration:
                 url,
                 json=payload,
                 headers=headers,
-                timeout=10.0,
+                timeout=SimbrellaIntegration.TIMEOUT,
             )
 
             logger.info(
@@ -164,7 +165,7 @@ class SimbrellaIntegration:
                 "Authorization": f"Bearer {access_token}"
             }
 
-            response = httpx.get(url, headers=headers, timeout=10.0)
+            response = httpx.get(url, headers=headers, timeout=SimbrellaIntegration.TIMEOUT)
             logger.info(f"Bank Health Check Response: {response.text}")
             return response
         except Exception as e:

app/config.py

@@ -52,7 +52,7 @@ class Config:
     BANK_CALL_AUTH_ENDPOINT = os.getenv("BANK_CALL_AUTH_ENDPOINT", "/api/Auth/generate-token")
     BANK_CALL_USERNAME = os.getenv("BANK_CALL_USERNAME", "simbrella")
     BANK_CALL_PASSWORD = os.getenv("BANK_CALL_PASSWORD", "G7$k9@pL2!qR")
-
+    TIMEOUT = os.getenv("TIMEOUT", 60.0)
 
 
     EVENTS_SERVICE_BASE_URL = os.getenv("EVENTS_SERVICE_BASE_URL","https://event-core.simbrellang.net")

app/models/loan.py

@@ -52,6 +52,9 @@ class Loan(db.Model):
     verify_result = db.Column(db.String(10), nullable=True)
     verify_description = db.Column(db.String(100), nullable=True)
 
+    total_penal_charge = db.Column(db.Float, default=0.0)
+    last_penal_date = db.Column(db.DateTime, nullable=True)
+
     customer = relationship(
         "Customer",
         primaryjoin="Customer.id == Loan.customer_id",

app/models/loan_repayment_schedule.py

@@ -26,6 +26,11 @@ class LoanRepaymentSchedule(db.Model):
 
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
     updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+
+    penal_charge = db.Column(db.Float, default=0.0)
+    penal_count = db.Column(db.Integer, default=0)
+    last_penal_date = db.Column(db.DateTime, nullable=True)
+
     loan = relationship(
         "Loan",
         primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",

migrations/versions/284be77cb54e_.py

@@ -0,0 +1,32 @@
+"""empty message
+
+Revision ID: 284be77cb54e
+Revises: 718dc29fbd38
+Create Date: 2026-03-12 09:10:37.170288
+
+"""
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = "284be77cb54e"
+down_revision = "718dc29fbd38"
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.add_column(
+        "loan_repayment_schedules",
+        sa.Column("last_penal_date", sa.Float(), nullable=True),
+    )
+    ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column("loan_repayment_schedules", "last_penal_date")
+    # ### end Alembic commands ###

migrations/versions/718dc29fbd38_.py

@@ -0,0 +1,42 @@
+"""empty message
+
+Revision ID: 718dc29fbd38
+Revises: 30b45df851fa
+Create Date: 2026-03-11 14:18:47.523948
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '718dc29fbd38'
+down_revision = '30b45df851fa'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.add_column('loan_repayment_schedules',
+    sa.Column('penal_charge', sa.Float(), nullable=True),
+    )
+    op.add_column('loan_repayment_schedules',
+    sa.Column('penal_count', sa.Integer(), nullable=True),
+    )
+    op.add_column('loans',
+    sa.Column('total_penal_charge', sa.Float(), nullable=True),
+    )
+    op.add_column('loans',
+    sa.Column('last_penal_date', sa.DateTime(), nullable=True),
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column('loan_repayment_schedules', 'penal_count')
+    op.drop_column('loan_repayment_schedules', 'penal_charge')
+    op.drop_column('loans', 'total_penal_charge')
+    op.drop_column('loans', 'last_penal_date')
+    # ### end Alembic commands ###