import json from django.core.serializers.json import DjangoJSONEncoder from django.shortcuts import render, get_object_or_404, redirect from django.contrib.auth.decorators import login_required from django.contrib import messages from django.db.models import Sum, Count, Q, F, Avg from datetime import datetime, timedelta from decimal import Decimal, DecimalException from .models import ( LoanProduct, LoanApplication, Loan, Repayment, RolloverRequest, MpesaTransaction ) from users.models import CustomUser from reports.models import LoanScoring from utils.models import AuditLog, SystemSetting, Notification from django.core.paginator import Paginator, PageNotAnInteger, EmptyPage from django.http import JsonResponse, HttpResponse from django.db import models, IntegrityError import math import os @login_required def new_application(request): """Create a new loan application with improved client handling""" try: # Get client if specified client_id = request.GET.get('client_id') client = None if client_id: try: client = get_object_or_404(CustomUser, pk=client_id, role='borrower') except: client = None # Get all active loan products loan_products = LoanProduct.objects.filter(is_active=True).order_by( models.Case( models.When(product_type='boost', then=models.Value(1)), models.When(product_type='boost_plus', then=models.Value(2)), models.When(product_type='mwamba', then=models.Value(3)), models.When(product_type='imara', then=models.Value(4)), default=models.Value(4) ), 'name' ) if request.method == 'POST': try: # Get form data with detailed validation client_id = request.POST.get('client_id') print(f"DEBUG: Received client_id: {client_id}") # Debug logging if not client_id or client_id == '': return JsonResponse({ 'status': 'error', 'message': 'Please select a client from the dropdown' }, status=400) loan_product_id = request.POST.get('loan_product') if not loan_product_id: return JsonResponse({ 'status': 'error', 'message': 'Please select a loan product' }, status=400) try: requested_amount = Decimal(request.POST.get('amount', '0')) if requested_amount <= 0: return JsonResponse({ 'status': 'error', 'message': 'Please enter a valid loan amount greater than 0' }, status=400) except (TypeError, ValueError, DecimalException): return JsonResponse({ 'status': 'error', 'message': 'Please enter a valid loan amount' }, status=400) try: requested_duration = int(request.POST.get('duration', '0')) if requested_duration <= 0: return JsonResponse({ 'status': 'error', 'message': 'Please enter a valid duration greater than 0' }, status=400) except (TypeError, ValueError): return JsonResponse({ 'status': 'error', 'message': 'Please enter a valid duration' }, status=400) purpose = request.POST.get('purpose', '').strip() if not purpose: return JsonResponse({ 'status': 'error', 'message': 'Please enter the loan purpose' }, status=400) repayment_method = request.POST.get('repayment_method') if not repayment_method: return JsonResponse({ 'status': 'error', 'message': 'Please select a repayment method' }, status=400) # Handle disbursement date disbursement_date_str = request.POST.get('disbursement_date') if disbursement_date_str: try: disbursement_date = datetime.strptime(disbursement_date_str, '%Y-%m-%d') # Check if user is trying to set a past date if disbursement_date.date() < datetime.now().date(): if not request.user.is_staff and not request.user.is_superuser: return JsonResponse({ 'status': 'error', 'message': 'Only administrators can set past disbursement dates' }, status=403) except ValueError: return JsonResponse({ 'status': 'error', 'message': 'Invalid disbursement date format' }, status=400) else: disbursement_date = datetime.now() # Get loan product and client with better error handling try: loan_product = LoanProduct.objects.get(pk=loan_product_id) except LoanProduct.DoesNotExist: return JsonResponse({ 'status': 'error', 'message': 'Selected loan product not found' }, status=400) try: client = CustomUser.objects.get(pk=client_id, role='borrower') print(f"DEBUG: Found client: {client.get_full_name()}") # Debug logging except CustomUser.DoesNotExist: return JsonResponse({ 'status': 'error', 'message': 'Selected client not found or is not a borrower' }, status=400) # Check client status if hasattr(client, 'status'): if client.status == 'blacklisted': return JsonResponse({ 'status': 'error', 'message': f'Cannot create loan application for blacklisted client: {client.get_full_name()}' }, status=403) if client.status == 'suspended': return JsonResponse({ 'status': 'error', 'message': f'Cannot create loan application for suspended client: {client.get_full_name()}' }, status=403) if client.status == 'inactive': return JsonResponse({ 'status': 'error', 'message': f'Cannot create loan application for inactive client: {client.get_full_name()}' }, status=403) # Validate amount, duration, and repayment method try: loan_product.validate_amount(requested_amount) except ValueError as e: return JsonResponse({'status': 'error', 'message': str(e)}, status=400) try: loan_product.validate_duration(requested_duration) except ValueError as e: return JsonResponse({'status': 'error', 'message': str(e)}, status=400) try: loan_product.validate_repayment_method(repayment_method) except ValueError as e: return JsonResponse({'status': 'error', 'message': str(e)}, status=400) # Calculate amounts # Convert days to months - use exact calculation, not ceiling # This ensures accurate interest: 90 days = 3 months, 60 days = 2 months, etc. months = Decimal(str(requested_duration)) / Decimal('30') months = max(Decimal('1'), months) # Minimum 1 month interest_amount = loan_product.calculate_interest(requested_amount, months) processing_fee_amount = loan_product.calculate_processing_fee(requested_amount, months) total_amount = requested_amount + interest_amount + processing_fee_amount # Create loan application application = LoanApplication.objects.create( borrower=client, loan_product=loan_product, requested_amount=requested_amount, requested_duration=requested_duration, purpose=purpose, repayment_method=repayment_method, interest_amount=interest_amount, processing_fee_amount=processing_fee_amount, total_amount=total_amount ) print(f"DEBUG: Created application {application.application_number} for {client.get_full_name()}") # Auto-calculate credit score and handle auto-approval try: # Try to get existing credit score existing_score = LoanScoring.objects.filter(user=client).first() if existing_score: application.credit_score = existing_score.total_score else: application.credit_score = 0 # Auto-approve if conditions are met auto_approval_enabled = SystemSetting.get_bool('auto_approval_enabled', True) auto_approval_min_score = SystemSetting.get_int('auto_approval_min_score', 80) auto_approval_max_amount = Decimal(str(SystemSetting.get_float('auto_approval_max_amount', 25000))) if (auto_approval_enabled and application.credit_score >= auto_approval_min_score and requested_amount <= auto_approval_max_amount): application.auto_approved = True application.status = 'approved' application.reviewed_by = None application.reviewed_at = datetime.now() application.approval_notes = 'Auto-approved based on credit score' # Create loan record loan = Loan.objects.create( application=application, borrower=client, principal_amount=requested_amount, interest_amount=interest_amount, processing_fee=processing_fee_amount, total_amount=total_amount, disbursement_date=disbursement_date, due_date=disbursement_date + timedelta(days=requested_duration), duration_days=requested_duration, status='active' ) messages.success(request, f'{loan_product.name} loan has been recorded and auto-approved!') else: messages.success(request, f'{loan_product.name} loan has been recorded and is under review.') except Exception as e: print(f"DEBUG: Credit score error: {e}") messages.success(request, f'{loan_product.name} loan has been recorded and is under review.') application.save() # Create audit log AuditLog.objects.create( user=request.user, action='create', model_name='LoanApplication', object_id=str(application.id), description=f'Added {loan_product.name} loan for {client.get_full_name()}' ) # Create notification for admins if not application.auto_approved and SystemSetting.get_bool('email_notifications_enabled', True): Notification.objects.create( title=f'New {loan_product.name} Loan Application', message=f'A new {loan_product.name} loan application has been submitted by {client.get_full_name()}', priority='medium' ) return JsonResponse({ 'status': 'success', 'message': 'Loan application submitted successfully', 'application_id': str(application.id), 'application_number': application.application_number }) except Exception as e: import traceback print("Error in loan application:", str(e)) print(traceback.format_exc()) return JsonResponse({ 'status': 'error', 'message': f'An error occurred while processing your application: {str(e)}' }, status=500) # GET request - show the form # Get all active borrowers with proper status filtering clients = CustomUser.objects.filter( role='borrower' ).exclude( status__in=['deleted', 'archived'] # Exclude deleted/archived but allow inactive for admin review ).select_related().order_by('first_name', 'last_name') # Convert clients to a safe format for JavaScript clients_data = [] for c in clients: client_data = { 'id': str(c.id), 'full_name': c.get_full_name(), 'first_name': c.first_name or '', 'last_name': c.last_name or '', 'email': c.email or 'No email', 'phone_number': str(c.phone_number) if c.phone_number else 'No phone', 'business_name': getattr(c, 'business_name', '') or '', 'id_number': getattr(c, 'id_number', '') or '', 'status': getattr(c, 'status', 'active') } clients_data.append(client_data) # Convert loan products to dict with current settings loan_products_data = [] for product in loan_products: try: product_data = product.to_dict() loan_products_data.append(product_data) except Exception as e: print(f"Error converting product {product.name}: {e}") # Fallback data loan_products_data.append({ 'id': str(product.id), 'name': product.name, 'product_type': product.product_type, 'description': product.description, 'min_amount': float(product.min_amount), 'max_amount': float(product.max_amount), 'interest_rate': float(product.interest_rate), 'processing_fee': float(product.processing_fee), 'late_payment_penalty': float(product.late_payment_penalty), 'duration_months': product.duration_months, 'min_duration': product.min_duration, 'max_duration': product.max_duration, 'available_repayment_methods': product.available_repayment_methods or ['monthly'], 'requires_guarantor': product.requires_guarantor, 'requires_collateral': product.requires_collateral, 'is_active': product.is_active }) context = { 'loan_products': loan_products, 'loan_products_json': json.dumps(loan_products_data, cls=DjangoJSONEncoder), 'clients': clients, 'clients_json': json.dumps(clients_data, cls=DjangoJSONEncoder), 'selected_client': client, 'today': datetime.now().date() } return render(request, 'loans/new_application.html', context) except Exception as e: import traceback print("Error in loan application view:", str(e)) print(traceback.format_exc()) messages.error(request, f'An error occurred: {str(e)}') return redirect('loans:loans')