# Implementation Plan for Portfolio Filtering & Client Growth Analytics

## Status: ✅ Task 1 Complete, Tasks 2-5 In Progress

---

## Task 1: Make Loan Approval Fields Editable ✅

### Completed:
- ✅ Added editable interest rate field
- ✅ Added editable processing fee rate field  
- ✅ Added repayment method selector
- ✅ Updated JavaScript calculation to use editable rates
- ✅ Maintained amount, duration, and purpose editability

### Backend Updates Needed:
Update `loans/views.py` `approve_application` function to handle:
- `edit_interest_rate`
- `edit_processing_fee_rate`
- `edit_repayment_method`

---

## Task 2: Transform Client Performance to Client Growth Analytics

### Page: `/portfolio/client-performance/`

### New Features Needed:
1. **Client Acquisition Metrics**
   - Total clients gained this month/year
   - New clients by week/month/year
   - Client growth rate (%)
   - Month with most/least client acquisitions

2. **Client Segmentation**
   - Active vs Inactive clients
   - Clients by branch
   - Clients by loan officer
   - Clients by business type

3. **Trend Analysis**
   - Client growth chart (line/bar)
   - Monthly comparison
   - Year-over-year growth
   - Client retention rate

4. **Filters**
   - Date range selector
   - Branch filter
   - Loan officer filter
   - Status filter

### Files to Modify:
- `users/views.py` - Update `client_performance` view
- `templates/users/client_performance.html` - Complete redesign
- Add new template: `templates/users/client_growth_analytics.html`

---

## Task 3: Add Overdue & Completed Loans Reports

### New Reports to Add:

#### A. Overdue Loans Report
**URL**: `/reports/overdue-loans/`

**Metrics**:
- Total overdue loans count
- Total overdue amount
- Average days overdue
- Overdue by severity (1-7 days, 8-30 days, 30+ days)
- Overdue by loan officer
- Overdue by branch

**Features**:
- Sortable table
- Export to Excel/PDF
- Email reminders bulk action
- Portfolio filtering

#### B. Completed Loans Report
**URL**: `/reports/completed-loans/`

**Metrics**:
- Total completed loans
- Total amount disbursed
- Total amount repaid
- Average loan duration
- Completion rate by product
- Completion rate by loan officer

**Features**:
- Date range filter
- Product filter
- Branch/officer filter
- Export functionality

### Files to Create/Modify:
- `reports/views.py` - Add `overdue_loans_report` and `completed_loans_report` functions
- `reports/urls.py` - Add URL patterns
- `templates/reports/overdue_loans_report.html` - New template
- `templates/reports/completed_loans_report.html` - New template

---

## Task 4: Add Portfolio Filtering to All Reports

### Reports to Update:
1. ✅ Loans Due Report
2. ✅ Delinquent Loans Report
3. ✅ Processing Fees Report
4. ✅ Interest Income Report
5. ✅ Registration Fees Report
6. ⚠️ Loans in Arrears Report
7. ⚠️ Missed Payments Report
8. ⚠️ Customer Requests Report
9. 🆕 Overdue Loans Report (new)
10. 🆕 Completed Loans Report (new)

### Filtering Logic:
```python
# For loan officers and team leaders
if request.user.role in ['loan_officer', 'team_leader'] and not request.user.is_superuser:
    queryset = queryset.filter(borrower__portfolio_manager=request.user)

# For secretaries and auditors  
elif request.user.role in ['secretary', 'auditor'] and not request.user.is_superuser:
    if request.user.branch:
        queryset = queryset.filter(borrower__branch=request.user.branch)

# Admins and managers see all (with branch filter if selected)
else:
    if selected_branch_id:
        queryset = queryset.filter(borrower__branch_id=selected_branch_id)
```

### Files to Modify:
- `reports/views.py` - Add filtering to all report views
- `utils/decorators.py` - Create `@portfolio_filtered` decorator

---

## Task 5: Filter Repayments & Notifications by Staff's Clients

### A. Repayments Page Filtering
**URL**: `/loans/repayments/`

**Current Issue**: Shows all repayments
**Solution**: Filter by portfolio_manager

```python
# In loans/views.py - repayments view
if request.user.role in ['loan_officer', 'team_leader']:
    repayments = repayments.filter(loan__borrower__portfolio_manager=request.user)
elif request.user.role in ['secretary', 'auditor']:
    if request.user.branch:
        repayments = repayments.filter(loan__borrower__branch=request.user.branch)
```

### B. Notifications Page Filtering
**URL**: `/utils/notifications/`

**Current Issue**: Shows all notifications
**Solution**: Filter by related clients

```python
# In utils/views.py - notifications view
if request.user.role in ['loan_officer', 'team_leader']:
    # Show notifications for their assigned clients
    notifications = notifications.filter(
        Q(user=request.user) |  # Direct notifications
        Q(loan_app__borrower__portfolio_manager=request.user) |  # Loan app notifications
        Q(related_loan__borrower__portfolio_manager=request.user)  # Loan notifications
    )
```

### Files to Modify:
- `loans/views.py` - Update `repayments` view
- `utils/views.py` - Update notifications views
- Test with loan officer account

---

## Implementation Priority:

1. ✅ **HIGH**: Loan approval editable fields (DONE)
2. **HIGH**: Portfolio filtering for reports (Task 4)
3. **HIGH**: Repayments & notifications filtering (Task 5)
4. **MEDIUM**: Client growth analytics (Task 2)
5. **MEDIUM**: Overdue & completed loans reports (Task 3)

---

## Testing Checklist:

### For Each Feature:
- [ ] Test as Admin (sees all data)
- [ ] Test as Manager (sees branch data)
- [ ] Test as Loan Officer (sees only assigned clients)
- [ ] Test as Accountant (sees branch data)
- [ ] Test as Borrower (sees own data only)

### Specific Tests:
- [ ] Loan approval with custom rates
- [ ] Reports show correct filtered data
- [ ] Repayments page filtered correctly
- [ ] Notifications filtered correctly
- [ ] Client growth metrics accurate
- [ ] Export functions work with filters

---

## Next Steps:

1. Update backend for loan approval editable fields
2. Implement portfolio filtering decorator
3. Apply filtering to all reports
4. Filter repayments and notifications
5. Build client growth analytics page
6. Add overdue and completed loans reports
7. Test thoroughly with different user roles

