digifi-EventManager/app/services/loan.py

from app.models import Loan, LoanCharge
from app.utils.logger import logger
from app.enums.loan_status import LoanStatus
from decimal import Decimal, ROUND_HALF_UP
from app.services.loan_repayment_schedule import LoanRepaymentScheduleService

class LoanService:

    @classmethod
    def get_loan_by_transaction_id(cls, transaction_id):
        """
        Get the loan by transaction ID
        """
        return Loan.get_loan_by_transaction_id(transaction_id)
    @classmethod
    def get_loan_by_loan_id(cls, loan_id):
        """
        Get the loan by  ID
        """
        return Loan.get_loan_by_loan_id(loan_id)
        

    @classmethod
    def get_loan_by_debt_id(cls, debt_id):
        """
        Get the loan by transaction ID
        """
        return Loan.get_loan_by_debt_id(debt_id)


    @classmethod
    def get_loan_charge_by_debt_id(cls, debt_id):
        """
        Get the loan charge by debt ID
        """
        return LoanCharge.get_loan_charge_by_debt_id(debt_id)

    @classmethod
    def set_disbursement_date(cls, loan_id, customer_id):
        """
        Update the disbursement status of the loan with the given loan_id.
        """
        return Loan.set_disbursement_date(loan_id, customer_id)
    @classmethod
    def set_disburse_verify_date(cls, loan_id, customer_id):
        """
        Update the disburse verify date of the loan with the given loan_id.
        """
        return Loan.set_disburse_verify_date(loan_id, customer_id)

    @classmethod
    def set_disbursement_result(cls, loan_id, result, description):
        """
        Update the disbursement result of the loan with the given loan_id.
        """
        return Loan.set_disbursement_result(loan_id, result, description)

    @classmethod
    def set_disbursement_loan_description(cls,loan_id,description):

        return Loan.set_disbursement_message(loan_id,  description)
    
    @classmethod
    def get_failed_disbursements(cls):
        """
        Get all loans with failed disbursement.
        """
        return Loan.get_failed_disbursements()
    
    @classmethod
    def update_status(cls, loan_id, status):
        """
        Update the status of the loan with the given loan_id.
        """
        # Retrieve loan
        return Loan.update_status(loan_id, status)


    @classmethod
    def set_disburse_verify_result(cls, loan_id, result, description):
        """
        Update the disburse verify result of the loan with the given loan_id.
        """
        return Loan.set_disburse_verify_result(loan_id, result, description)
    
    @classmethod
    def get_latest_loan_without_disburse_date(cls):
        """
        Get the latest loan without a disbursement date.
        """
        return Loan.get_latest_loan_without_disburse_date()

    @classmethod
    def get_latest_loan_with_disburse_date(cls):
        """
        Get the latest loan without a disbursement date.
        """
        return Loan.get_latest_loan_with_disburse_date()
    
    @classmethod
    def get_customer_loans(cls,  customer_id):
        """
        Get customer's active loans by customer_id.
        """
               
        return Loan.get_customer_loans(customer_id=customer_id)
    @classmethod
    def get_customer_active_loans(cls,  customer_id):
        """
        Get customer's active loans by customer_id.
        """
               
        return Loan.get_customer_active_loans(customer_id=customer_id)

    @classmethod
    def update_status(cls, loan_id, status):
        """
        Update the status of the loan with the given loan_id.
        """
        # Retrieve loan
        return Loan.update_status(loan_id, status)
    @classmethod
    def update_loan_balance(cls,loan_id,amount_collected):
        """
        update the loan balance after successful repayment
        """
        return Loan.update_loan_balance(loan_id,amount_collected)
    
    @classmethod
    def get_overdue_loans(cls):
        """
        Get all overdue loans.
        """
        return Loan.get_overdue_loans()
    @classmethod
    def apply_penal_to_loan(cls,loan_id,penal_charge):
        return Loan.apply_penal_to_loan(loan_id,penal_charge)
    @staticmethod
    def _update_loan_after_collection(loan, loan_data, updated_loan, amount_collected, data, response_message):
        if loan.balance is None or loan.balance <= 0:
            logger.warning(f"Loan ID {loan.id} has no balance. Skipping loan update.")
            updated_loan = loan.to_dict()
        else:
            updated_loan = LoanService.update_loan_balance(int(loan_data['debtId']), amount_collected)
            updated_balance = Decimal(str(updated_loan['balance'])).quantize(Decimal('0.01'))

            if updated_balance <= Decimal('0.00'):
                updated_loan = LoanService.update_status(updated_loan['debtId'], LoanStatus.REPAID)
            else:
                updated_loan = LoanService.update_status(updated_loan['debtId'], LoanStatus.ACTIVE_PARTIAL)
            logger.info(f"Updated loan status: {updated_loan.get('status')}")
            # lets update the loan repayment schedule
            LoanRepaymentScheduleService.handle_schedule_updates(
                    updated_loan=updated_loan,
                    data=data,
                    amount_collected=amount_collected,
                    message=response_message,
                    loan_data=loan_data
                )
        return updated_loan