Class: Dscf::Credit::DisbursementService

Inherits:
Object
  • Object
show all
Defined in:
app/services/dscf/credit/disbursement_service.rb

Instance Attribute Summary collapse

Instance Method Summary collapse

Constructor Details

#initialize(amount:, loan_profile:, eligible_credit_line:) ⇒ DisbursementService

Returns a new instance of DisbursementService.



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# File 'app/services/dscf/credit/disbursement_service.rb', line 5

def initialize(amount:, loan_profile:, eligible_credit_line:)
  @amount = amount.to_f
  @loan_profile = loan_profile
  @eligible_credit_line = eligible_credit_line
end

Instance Attribute Details

#amount ⇒ Object (readonly)

Returns the value of attribute amount.



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# File 'app/services/dscf/credit/disbursement_service.rb', line 3

def amount
  @amount
end

#eligible_credit_line ⇒ Object (readonly)

Returns the value of attribute eligible_credit_line.



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# File 'app/services/dscf/credit/disbursement_service.rb', line 3

def eligible_credit_line
  @eligible_credit_line
end

#loan_profile ⇒ Object (readonly)

Returns the value of attribute loan_profile.



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# File 'app/services/dscf/credit/disbursement_service.rb', line 3

def loan_profile
  @loan_profile
end

Instance Method Details

#lock_other_credit_lines(loan_profile, credit_line) ⇒ Object

Lock other eligible credit lines for the loan profile except the specified credit line

Parameters:



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# File 'app/services/dscf/credit/disbursement_service.rb', line 45

def lock_other_credit_lines(loan_profile, credit_line)
  loan_profile.eligible_credit_lines
    .where.not(credit_line: credit_line)
    .update_all(locked: true)
end

#process_disbursement ⇒ Hash

Process disbursement by creating a loan record from eligible credit line

Returns:

  • (Hash) —

    Result containing created loan and disbursement details



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# File 'app/services/dscf/credit/disbursement_service.rb', line 13

def process_disbursement
  return error_result("Loan profile not found") unless loan_profile
  return error_result("Eligible credit line not found") unless eligible_credit_line
  return error_result("Invalid amount") unless amount > 0

  credit_line = eligible_credit_line.credit_line
  return error_result("Credit line not found") unless credit_line

  credit_line_status = credit_line.current_status_for(:default)
  return error_result("Credit line is not approved") unless credit_line_status == "approved"

  loan_profile_status = loan_profile.current_status_for(:default)
  return error_result("Loan profile not approved") unless loan_profile_status == "approved"

  validation_result = validate_disbursement_amount(credit_line)
  return validation_result unless validation_result[:success]

  ActiveRecord::Base.transaction do
    loan = create_loan_record(credit_line)
    update_credit_line_limits(loan)
    lock_other_credit_lines(loan_profile, credit_line)
    loan_transaction = create_disbursement_transaction(loan)

    success_result(loan, loan_transaction)
  end
rescue StandardError => e
  error_result("Disbursement processing failed: #{e.message}")
end