added penal charge to schedule

app/models/loan.py

@@ -47,8 +47,8 @@ class Loan(db.Model):
     verify_description = db.Column(db.String(100), nullable=True)
     reference = db.Column(db.String(50), nullable=True)
 
-    # total_penal_charge = db.Column(db.Float, default=0.0)
-    # last_penal_date = db.Column(db.DateTime, nullable=True)
+    total_penal_charge = db.Column(db.Float, default=0.0)
+    last_penal_date = db.Column(db.DateTime, nullable=True)
 
     customer = relationship(
         "Customer",
@@ -94,7 +94,9 @@ class Loan(db.Model):
             'disburseVerify': self.disburse_verify.isoformat() if self.disburse_verify else None,
             'reference': self.reference,
             'balance': self.balance,
-            'tenor': self.tenor,   
+            'tenor': self.tenor,
+            'totalPenalCharge': self.total_penal_charge,
+            'lastPenalDate': self.last_penal_date 
         }
 
     @classmethod
@@ -397,3 +399,17 @@ class Loan(db.Model):
         except Exception as e:
             logger.error(f"Error fetching overdue loans: {e}")
             return []
+        
+    @classmethod
+    def apply_penal_to_loan(cls, loan_id, penal_amount):
+
+        loan = cls.query.get(loan_id)
+
+        if not loan:
+            raise ValueError("Loan not found")
+        penal_amount = Decimal(str(penal_amount))
+
+        loan.total_penal_charge = Decimal(str(loan.total_penal_charge or 0)) + penal_amount
+        loan.last_penal_date = datetime.now(timezone.utc)
+
+        db.session.commit()