from flask import Blueprint, render_template, request, redirect, url_for, flash from flask_login import login_required, current_user from datetime import datetime, timedelta from functools import wraps import sys sys.path.append('..') from app import db, Loan, Wallet, Transaction, LoanRepayment loans_bp = Blueprint('loans', __name__) def role_required(*roles): def decorator(f): @wraps(f) def decorated_function(*args, **kwargs): if not current_user.is_authenticated: return redirect(url_for('login')) if current_user.role not in roles: flash('You do not have permission to access this page.', 'danger') return redirect(url_for('dashboard')) return f(*args, **kwargs) return decorated_function return decorator @loans_bp.route('/loans') @login_required def loan_dashboard(): loans = Loan.query.filter_by(user_id=current_user.id).order_by(Loan.created_at.desc()).all() return render_template('loans/dashboard.html', loans=loans) @loans_bp.route('/loans/apply', methods=['GET', 'POST']) @login_required def apply_loan(): if request.method == 'POST': amount = float(request.form.get('amount')) duration_months = int(request.form.get('duration_months')) purpose = request.form.get('purpose') interest_rate = 10.0 # Default interest rate # Calculate total payable interest_amount = (amount * interest_rate / 100) * (duration_months / 12) total_payable = amount + interest_amount # Check if user has pending loans pending_loans = Loan.query.filter_by(user_id=current_user.id, status='pending').count() if pending_loans > 0: flash('You already have a pending loan application. Please wait for approval.', 'warning') return redirect(url_for('loans.loan_dashboard')) loan = Loan( user_id=current_user.id, amount=amount, interest_rate=interest_rate, total_payable=total_payable, duration_months=duration_months, purpose=purpose, status='pending' ) db.session.add(loan) db.session.commit() flash('Loan application submitted successfully. Please wait for approval.', 'success') return redirect(url_for('loans.loan_dashboard')) return render_template('loans/apply.html') @loans_bp.route('/loans/manage') @login_required @role_required('Super Admin', 'Admin', 'Loan Officer') def manage_loans(): pending_loans = Loan.query.filter_by(status='pending').order_by(Loan.created_at.desc()).all() approved_loans = Loan.query.filter_by(status='approved').order_by(Loan.created_at.desc()).all() rejected_loans = Loan.query.filter_by(status='rejected').order_by(Loan.created_at.desc()).all() return render_template('loans/manage.html', pending_loans=pending_loans, approved_loans=approved_loans, rejected_loans=rejected_loans) @loans_bp.route('/loans/approve/') @login_required @role_required('Super Admin', 'Admin', 'Loan Officer') def approve_loan(loan_id): loan = Loan.query.get_or_404(loan_id) if loan.status != 'pending': flash('This loan cannot be approved.', 'danger') return redirect(url_for('loans.manage_loans')) # Update loan status loan.status = 'approved' loan.approved_by = current_user.id loan.approved_at = datetime.utcnow() loan.due_date = datetime.utcnow() + timedelta(days=loan.duration_months * 30) # Disburse loan to user's wallet wallet = Wallet.query.filter_by(user_id=loan.user_id).first() wallet.balance += loan.amount # Create transaction record transaction = Transaction( user_id=loan.user_id, type='loan_disbursement', amount=loan.amount, status='completed', description=f'Loan disbursement - Ref: {loan.id}', reference=f'LOAN-{loan.id}' ) db.session.add(transaction) db.session.commit() flash(f'Loan of ₦{loan.amount:.2f} has been approved and disbursed to {loan.user.full_name}.', 'success') return redirect(url_for('loans.manage_loans')) @loans_bp.route('/loans/reject/') @login_required @role_required('Super Admin', 'Admin', 'Loan Officer') def reject_loan(loan_id): loan = Loan.query.get_or_404(loan_id) if loan.status != 'pending': flash('This loan cannot be rejected.', 'danger') return redirect(url_for('loans.manage_loans')) loan.status = 'rejected' loan.approved_by = current_user.id loan.approved_at = datetime.utcnow() db.session.commit() flash(f'Loan application from {loan.user.full_name} has been rejected.', 'info') return redirect(url_for('loans.manage_loans')) @loans_bp.route('/loans/repay/', methods=['GET', 'POST']) @login_required def repay_loan(loan_id): loan = Loan.query.get_or_404(loan_id) if loan.user_id != current_user.id: flash('You can only repay your own loans.', 'danger') return redirect(url_for('loans.loan_dashboard')) if loan.status != 'approved': flash('This loan is not eligible for repayment.', 'danger') return redirect(url_for('loans.loan_dashboard')) if request.method == 'POST': amount = float(request.form.get('amount')) payment_method = request.form.get('payment_method') if payment_method == 'wallet': wallet = Wallet.query.filter_by(user_id=current_user.id).first() if wallet.balance < amount: flash('Insufficient wallet balance.', 'danger') return redirect(url_for('loans.repay_loan', loan_id=loan_id)) # Deduct from wallet wallet.balance -= amount # Create repayment record repayment = LoanRepayment( loan_id=loan.id, amount=amount, payment_method='wallet', status='completed' ) # Create transaction record transaction = Transaction( user_id=current_user.id, type='loan_repayment', amount=amount, status='completed', description=f'Loan repayment - Loan ID: {loan.id}', reference=f'REPAY-{loan.id}-{datetime.utcnow().strftime("%Y%m%d%H%M%S")}' ) db.session.add(repayment) db.session.add(transaction) db.session.commit() flash('Loan repayment successful!', 'success') return redirect(url_for('loans.loan_dashboard')) else: # Manual payment repayment = LoanRepayment( loan_id=loan.id, amount=amount, payment_method='manual', status='pending' ) db.session.add(repayment) db.session.commit() flash('Repayment submitted for approval. Please wait for confirmation.', 'info') return redirect(url_for('loans.loan_dashboard')) # Calculate remaining balance total_repaid = sum(r.amount for r in loan.repayments if r.status == 'completed') remaining_balance = loan.total_payable - total_repaid return render_template('loans/repay.html', loan=loan, remaining_balance=remaining_balance)