| Path : /var/www/html/thb_loan_system/app/Http/Controllers/ |
|
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| Current File : /var/www/html/thb_loan_system/app/Http/Controllers/LoanControllerCopy.php |
<?php
namespace App\Http\Controllers;
use Aloha\Twilio\Twilio;
use App\Helpers\GeneralHelper;
use App\Helpers\Infobip;
use App\Helpers\RouteSms;
use App\Models\CustomField;
use App\Models\CustomFieldMeta;
use App\Models\Email;
use App\Models\Loan;
use App\Models\LoanApplication;
use App\Models\LoanFee;
use App\Models\LoanFeeMeta;
use App\Models\LoanProduct;
use App\Models\LoanRepayment;
use App\Models\LoanRepaymentMethod;
use App\Models\LoanDisbursedBy;
use App\Models\Borrower;
use App\Models\LoanSchedule;
use App\Models\Setting;
use App\Models\Sms;
use Cartalyst\Sentinel\Laravel\Facades\Sentinel;
use Clickatell\Api\ClickatellHttp;
use Illuminate\Http\Request;
use Illuminate\Support\Facades\View;
use Illuminate\Support\Facades\Mail;
use Illuminate\Support\Facades\Validator;
use Laracasts\Flash\Flash;
class LoanControllerCopy extends Controller
{
public function __construct()
{
$this->middleware('sentinel');
}
/**
* Display a listing of the resource.
*
* @return \Illuminate\Http\Response
*/
public function index(Request $request)
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
if (empty($request->status)) {
$data = Loan::orderBy('id','desc')->get();
} else {
$data = Loan::where('status', $request->status)->orderBy('id','desc')->get();
}
return view('loan.data', compact('data'));
}
public function create(Request $request)
{
if (!Sentinel::hasAccess('loans.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$borrowers = array();
foreach (Borrower::all() as $key) {
$borrowers[$key->id] = $key->first_name . ' ' . $key->last_name . '(' . $key->unique_number . ')';
}
$loan_products = array();
foreach (LoanProduct::all() as $key) {
$loan_products[$key->id] = $key->name;
}
$loan_disbursed_by = array();
foreach (LoanDisbursedBy::all() as $key) {
$loan_disbursed_by[$key->id] = $key->name;
}
if (isset($request->product_id)) {
$loan_product = LoanProduct::find($request->product_id);
} else {
$loan_product = LoanProduct::first();
}
if (isset($request->borrower_id)) {
$borrower_id = $request->borrower_id;
} else {
$borrower_id = '';
}
if (empty($loan_product)) {
Flash::warning("No loan product set. You must first set a loan product");
return redirect()->back();
}
//get custom fields
$custom_fields = CustomField::where('category', 'loans')->get();
$loan_fees = LoanFee::all();
return view('loan.create',
compact('borrowers', 'loan_disbursed_by', 'loan_products', 'loan_product', 'borrower_id', 'custom_fields',
'loan_fees'));
}
/**
* Store a newly created resource in storage.
*
* @param \Illuminate\Http\Request $request
* @return \Illuminate\Http\Response
*/
public function store(Request $request)
{
if (!Sentinel::hasAccess('loans.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loan = new Loan();
$loan->loan_disbursed_by_id = $request->loan_disbursed_by_id;
$loan->principal = $request->principal;
$loan->interest_method = $request->interest_method;
$loan->interest_rate = $request->interest_rate;
$loan->interest_period = $request->interest_period;
$loan->loan_duration = $request->loan_duration;
$loan->loan_duration_type = $request->loan_duration_type;
$loan->repayment_cycle = $request->repayment_cycle;
$loan->decimal_places = $request->decimal_places;
$loan->repayment_order = $request->repayment_order;
$loan->override_interest = $request->override_interest;
$loan->override_interest_amount = $request->override_interest_amount;
$loan->grace_on_interest_charged = $request->grace_on_interest_charged;
$loan->borrower_id = $request->borrower_id;
$loan->user_id = Sentinel::getUser()->id;
$loan->loan_product_id = $request->loan_product_id;
$loan->release_date = $request->release_date;
$date = explode('-', $request->release_date);
$loan->month = $date[1];
$loan->year = $date[0];
$loan->first_payment_date = $request->first_payment_date;
$loan->description = $request->description;
$files = array();
if (!empty(array_filter($request->file('files')))) {
$count = 0;
foreach ($request->file('files') as $key) {
$file = array('files' => $key);
$rules = array('files' => 'required|mimes:jpeg,jpg,bmp,png,pdf,docx,xlsx');
$validator = Validator::make($file, $rules);
if ($validator->fails()) {
Flash::warning(translate('validation_error'));
return redirect()->back()->withInput()->withErrors($validator);
} else {
$files[$count] = $key->getClientOriginalName();
$key->move(public_path() . '/uploads',
$key->getClientOriginalName());
}
$count++;
}
}
$loan->files = serialize($files);
$loan->save();
//save custom meta
$custom_fields = CustomField::where('category', 'loans')->get();
foreach ($custom_fields as $key) {
$custom_field = new CustomFieldMeta();
$id = $key->id;
$custom_field->name = $request->$id;
$custom_field->parent_id = $loan->id;
$custom_field->custom_field_id = $key->id;
$custom_field->category = "loans";
$custom_field->save();
}
//save loan fees
$fees_distribute = 0;
$fees_first_payment = 0;
$fees_last_payment = 0;
foreach (LoanFee::all() as $key) {
$loan_fee = new LoanFeeMeta();
$value = 'loan_fees_amount_' . $key->id;
$loan_fees_schedule = 'loan_fees_schedule_' . $key->id;
$loan_fee->user_id = Sentinel::getUser()->id;
$loan_fee->category = 'loan';
$loan_fee->parent_id = $loan->id;
$loan_fee->loan_fees_id = $key->id;
$loan_fee->value = $request->$value;
$loan_fee->loan_fees_schedule = $request->$loan_fees_schedule;
$loan_fee->save();
//determine amount to use
if ($key->loan_fee_type == 'fixed') {
if ($loan_fee->loan_fees_schedule == 'distribute_fees_evenly') {
$fees_distribute = $fees_distribute + $loan_fee->value;
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_first_payment') {
$fees_first_payment = $fees_first_payment + $loan_fee->value;
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_last_payment') {
$fees_last_payment = $fees_last_payment + $loan_fee->value;
}
} else {
if ($loan_fee->loan_fees_schedule == 'distribute_fees_evenly') {
$fees_distribute = $fees_distribute + ($loan_fee->value * $loan->principal / 100);
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_first_payment') {
$fees_first_payment = $fees_first_payment + ($loan_fee->value * $loan->principal / 100);
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_last_payment') {
$fees_last_payment = $fees_last_payment + ($loan_fee->value * $loan->principal / 100);
}
}
}
//lets create schedules here
//determine interest rate to use
$interest_rate = GeneralHelper::determine_interest_rate($loan->id);
$period = GeneralHelper::loan_period($loan->id);
$loan = Loan::find($loan->id);
if ($loan->repayment_cycle == 'daily') {
$repayment_cycle = 'day';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' days')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'weekly') {
$repayment_cycle = 'week';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' weeks')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'monthly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'bi_monthly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'quarterly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'semi_annually') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'yearly') {
$repayment_cycle = 'year';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' years')),
'Y-m-d');
}
$loan->save();
//generate schedules until period finished
$next_payment = $request->first_payment_date;
$balance = $request->principal;
for ($i = 1; $i <= $period; $i++) {
$fees = 0;
if ($i == 1) {
$fees = $fees + ($fees_first_payment);
}
if ($i == $period) {
$fees = $fees + ($fees_last_payment);
}
$fees = $fees + ($fees_distribute / $period);
$loan_schedule = new LoanSchedule();
$loan_schedule->loan_id = $loan->id;
$loan_schedule->fees = $fees;
$loan_schedule->borrower_id = $loan->borrower_id;
$loan_schedule->description = 'Repayment';
$loan_schedule->due_date = $next_payment;
$date = explode('-', $next_payment);
$loan_schedule->month = $date[1];
$loan_schedule->year = $date[0];
//determine which method to use
$due = 0;
//reducing balance equal installments
if ($request->interest_method == 'declining_balance_equal_installments') {
$due = GeneralHelper::amortized_monthly_payment($loan->id, $loan->principal);
if ($loan->decimal_places == 'round_off_to_two_decimal') {
//determine if we have grace period for interest
$interest = round(($interest_rate * $balance), 2);
$loan_schedule->principal = round(($due - $interest), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->due = round($due, 2);
//determine next balance
$balance = round(($balance - ($due - $interest)), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
//determine if we have grace period for interest
$interest = round(($interest_rate * $balance));
$loan_schedule->principal = round(($due - $interest));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->due = round($due);
//determine next balance
$balance = round(($balance - ($due - $interest)));
$loan_schedule->principal_balance = round($balance);
}
}
//reducing balance equal principle
if ($request->interest_method == 'declining_balance_equal_principal') {
$principal = $loan->principal / $period;
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $balance), 2);
$loan_schedule->principal = round($principal, 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - ($principal + $interest)), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$loan_schedule->principal = round(($principal));
$interest = round(($interest_rate * $balance));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - ($principal + $interest)));
$loan_schedule->principal_balance = round($balance);
}
}
//flat method
if ($request->interest_method == 'flat_rate') {
$principal = $loan->principal / $period;
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $loan->principal), 2);
$loan_schedule->principal = round(($principal), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->principal = round(($principal), 2);
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - $principal), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$interest = round(($interest_rate * $loan->principal));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->principal = round($principal);
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - $principal));
$loan_schedule->principal_balance = round($balance);
}
}
//interest only method
if ($request->interest_method == 'interest_only') {
if ($i == $period) {
$principal = $loan->principal;
} else {
$principal = 0;
}
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $loan->principal), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->principal = round(($principal), 2);
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - $principal), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$interest = round(($interest_rate * $loan->principal));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->principal = round($principal);
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - $principal));
$loan_schedule->principal_balance = round($balance);
}
}
//determine next due date
if ($loan->repayment_cycle == 'daily') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 days')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'weekly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 weeks')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'monthly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'bi_monthly') {
$next_payment = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'quarterly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('2 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'semi_annually') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('6 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'yearly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 years')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($i == $period) {
$loan_schedule->principal_balance = round($balance);
}
$loan_schedule->save();
}
Flash::success(translate('successfully_saved'));
return redirect('loan/data');
}
public function show($loan)
{
if (!Sentinel::hasAccess('loans.view')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
$payments = LoanRepayment::where('loan_id', $loan->id)->orderBy('collection_date', 'asc')->get();
$custom_fields = CustomFieldMeta::where('category', 'loans')->where('parent_id', $loan->id)->get();
return view('loan.show', compact('loan', 'schedules', 'payments', 'custom_fields'));
}
public function edit($loan)
{
if (!Sentinel::hasAccess('loans.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$borrowers = array();
foreach (Borrower::all() as $key) {
$borrowers[$key->id] = $key->first_name . ' ' . $key->last_name . '(' . $key->unique_number . ')';
}
$loan_products = array();
foreach (LoanProduct::all() as $key) {
$loan_products[$key->id] = $key->name;
}
$loan_disbursed_by = array();
foreach (LoanDisbursedBy::all() as $key) {
$loan_disbursed_by[$key->id] = $key->name;
}
//get custom fields
$custom_fields = CustomField::where('category', 'loans')->get();
$loan_fees = LoanFee::all();
return view('loan.edit',
compact('loan', 'borrowers', 'loan_disbursed_by', 'loan_products', 'custom_fields', 'loan_fees'));
}
/**
* Update the specified resource in storage.
*
* @param \Illuminate\Http\Request $request
* @param int $id
* @return \Illuminate\Http\Response
*/
public function update(Request $request, $id)
{
if (!Sentinel::hasAccess('loans.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loan = Loan::find($id);
$loan->loan_disbursed_by_id = $request->loan_disbursed_by_id;
$loan->principal = $request->principal;
$loan->interest_method = $request->interest_method;
$loan->interest_rate = $request->interest_rate;
$loan->interest_period = $request->interest_period;
$loan->loan_duration = $request->loan_duration;
$loan->loan_duration_type = $request->loan_duration_type;
$loan->repayment_cycle = $request->repayment_cycle;
$loan->decimal_places = $request->decimal_places;
$loan->repayment_order = $request->repayment_order;
$loan->override_interest = $request->override_interest;
$loan->override_interest_amount = $request->override_interest_amount;
$loan->grace_on_interest_charged = $request->grace_on_interest_charged;
$loan->borrower_id = $request->borrower_id;
$loan->loan_product_id = $request->loan_product_id;
$loan->release_date = $request->release_date;
$date = explode('-', $request->release_date);
$loan->month = $date[1];
$loan->year = $date[0];
$loan->first_payment_date = $request->first_payment_date;
$loan->description = $request->description;
$files = unserialize($loan->files);
$count = count($files);
if (!empty(array_filter($request->file('files')))) {
foreach ($request->file('files') as $key) {
$count++;
$file = array('files' => $key);
$rules = array('files' => 'required|mimes:jpeg,jpg,bmp,png,pdf,docx,xlsx');
$validator = Validator::make($file, $rules);
if ($validator->fails()) {
Flash::warning(translate('validation_error'));
return redirect()->back()->withInput()->withErrors($validator);
} else {
$files[$count] = $key->getClientOriginalName();
$key->move(public_path() . '/uploads',
$key->getClientOriginalName());
}
}
}
$loan->files = serialize($files);
$loan->save();
$custom_fields = CustomField::where('category', 'loans')->get();
foreach ($custom_fields as $key) {
if (!empty(CustomFieldMeta::where('custom_field_id', $key->id)->where('parent_id', $id)->where('category',
'loans')->first())
) {
$custom_field = CustomFieldMeta::where('custom_field_id', $key->id)->where('parent_id',
$id)->where('category', 'loans')->first();
} else {
$custom_field = new CustomFieldMeta();
}
$kid = $key->id;
$custom_field->name = $request->$kid;
$custom_field->parent_id = $id;
$custom_field->custom_field_id = $key->id;
$custom_field->category = "loans";
$custom_field->save();
}
foreach (LoanFee::all() as $key) {
if (!empty(LoanFeeMeta::where('loan_fees_id', $key->id)->where('parent_id', $id)->where('category',
'loan')->first())
) {
$loan_fee = LoanFeeMeta::where('loan_fees_id', $key->id)->where('parent_id', $id)->where('category',
'loan')->first();
} else {
$loan_fee = new LoanFeeMeta();
}
$value = 'loan_fees_amount_' . $key->id;
$loan_fees_schedule = 'loan_fees_schedule_' . $key->id;
$loan_fee->user_id = Sentinel::getUser()->id;
$loan_fee->category = 'loan';
$loan_fee->parent_id = $loan->id;
$loan_fee->loan_fees_id = $key->id;
$loan_fee->value = $request->$value;
$loan_fee->loan_fees_schedule = $request->$loan_fees_schedule;
$loan_fee->save();
}
Flash::success(translate('successfully_saved'));
return redirect('loan/data');
}
/**
* Remove the specified resource from storage.
*
* @param int $id
* @return \Illuminate\Http\Response
*/
public function delete($id)
{
if (!Sentinel::hasAccess('loans.delete')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
Loan::destroy($id);
LoanSchedule::where('loan_id', $id)->delete();
LoanRepayment::where('loan_id', $id)->delete();
Flash::success(translate('successfully_deleted'));
return redirect('loan/data');
}
public function deleteFile(Request $request, $id)
{
if (!Sentinel::hasAccess('loans.delete')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loan = Loan::find($id);
$files = unserialize($loan->files);
@unlink(public_path() . '/uploads/' . $files[$request->id]);
$files = array_except($files, [$request->id]);
$loan->files = serialize($files);
$loan->save();
}
public function indexRepayment()
{
if (!Sentinel::hasAccess('repayments')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$data = LoanRepayment::all();
return view('loan_repayment.data', compact('data'));
}
//loan repayments
public function createBulkRepayment()
{
if (!Sentinel::hasAccess('repayments.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loans = array();
foreach (Loan::all() as $key) {
$loans[$key->id] = $key->borrower->first_name . ' ' . $key->borrower->last_name . '(' . translate('loan',
1) . '#' . $key->id . ',' . translate('due',
1) . ':' . GeneralHelper::loan_total_balance($key->id) . ')';
}
$repayment_methods = array();
foreach (LoanRepaymentMethod::all() as $key) {
$repayment_methods[$key->id] = $key->name;
}
$custom_fields = CustomField::where('category', 'repayments')->get();
return view('loan_repayment.bulk', compact( 'repayment_methods', 'custom_fields', 'loans'));
}
public function storeBulkRepayment(Request $request)
{
if (!Sentinel::hasAccess('repayments.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
for ($i = 1; $i <= 20; $i++) {
$amount = "repayment_amount" . $i;
$loan_id = "loan_id" . $i;
$repayment_method = "repayment_method_id" . $i;
$collected_date = "repayment_collected_date" . $i;
$repayment_description = "repayment_description" . $i;
if (!empty($request->$amount && !empty($request->$loan_id))) {
$loan = Loan::find($request->$loan_id);
if ($request->$amount > GeneralHelper::loan_total_balance($loan->id)) {
Flash::warning("Amount is more than the balance(" . GeneralHelper::loan_total_balance($loan->id) . ')');
return redirect()->back()->withInput();
} else {
$repayment = new LoanRepayment();
$repayment->user_id = Sentinel::getUser()->id;
$repayment->amount = $request->$amount;
$repayment->loan_id = $loan->id;
$repayment->borrower_id = $loan->borrower_id;
$repayment->collection_date = $request->$collected_date;
$repayment->repayment_method_id = $request->$repayment_method;
$repayment->notes = $request->$repayment_description;
$date = explode('-', $request->$collected_date);
$repayment->year = $date[0];
$repayment->month = $date[1];
//determine which schedule due date the payment applies too
$schedule = LoanSchedule::where('due_date', '>=', $request->$collected_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
if (!empty($schedule)) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('loan_id',
$loan->id)->orderBy('due_date',
'desc')->first();
if ($request->$collected_date > $schedule->due_date) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('due_date', '>',
$request->$collected_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
$repayment->due_date = $schedule->due_date;
}
}
$repayment->save();
//update loan status if need be
if ($request->$amount == GeneralHelper::loan_total_balance($loan->id)) {
$l = Loan::find($loan->id);
$l->loan_status = "fully_paid";
$l->save();
}
//check if late repayment is to be applied when adding payment
if (!empty($loan->loan_product)) {
if ($loan->loan_product->enable_late_repayment_penalty == 1) {
$schedules = LoanSchedule::where('due_date', '<',
$repayment->due_date)->where('missed_penalty_applied',
0)->orderBy('due_date', 'asc')->get();
foreach ($schedules as $schedule) {
if (GeneralHelper::loan_total_due_period($loan->id,
$schedule->due_date) > GeneralHelper::loan_total_paid_period($loan->id,
$schedule->due_date)
) {
$sch = LoanSchedule::find($schedule->id);
$sch->missed_penalty_applied = 1;
//determine which amount to use
if ($loan->loan_product->late_repayment_penalty_type == "fixed") {
$sch->penalty = $sch->penalty + $loan->loan_product->late_repayment_penalty_amount;
} else {
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal', $schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal_interest') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_interest($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'interest', $schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal_interest_fees') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_interest($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_fees($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'interest',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'fees',
$schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'total_overdue') {
$principal = (GeneralHelper::loan_total_due_amount($loan->id,
$schedule->due_date) - GeneralHelper::loan_total_paid($loan->id,
$schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
}
$sch->save();
}
}
}
}
}
}
//notify borrower
}
Flash::success("Repayment successfully saved");
return redirect('repayment/data');
}
public function createRepayment($loan)
{
if (!Sentinel::hasAccess('repayments.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$repayment_methods = array();
foreach (LoanRepaymentMethod::all() as $key) {
$repayment_methods[$key->id] = $key->name;
}
$custom_fields = CustomField::where('category', 'repayments')->get();
return view('loan_repayment.create', compact('loan', 'repayment_methods', 'custom_fields'));
}
public function storeRepayment(Request $request, $loan)
{
if (!Sentinel::hasAccess('repayments.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
if ($request->amount > GeneralHelper::loan_total_balance($loan->id)) {
Flash::warning("Amount is more than the balance(" . GeneralHelper::loan_total_balance($loan->id) . ')');
return redirect()->back()->withInput();
} else {
$repayment = new LoanRepayment();
$repayment->user_id = Sentinel::getUser()->id;
$repayment->amount = $request->amount;
$repayment->loan_id = $loan->id;
$repayment->borrower_id = $loan->borrower_id;
$repayment->collection_date = $request->collection_date;
$repayment->repayment_method_id = $request->repayment_method_id;
$repayment->notes = $request->notes;
$date = explode('-', $request->collection_date);
$repayment->year = $date[0];
$repayment->month = $date[1];
//determine which schedule due date the payment applies too
$schedule = LoanSchedule::where('due_date', '>=', $request->collection_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
if (!empty($schedule)) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('loan_id',
$loan->id)->orderBy('due_date',
'desc')->first();
if ($request->collection_date > $schedule->due_date) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('due_date', '>', $request->collection_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
$repayment->due_date = $schedule->due_date;
}
}
$repayment->save();
//save custom meta
$custom_fields = CustomField::where('category', 'repayments')->get();
foreach ($custom_fields as $key) {
$custom_field = new CustomFieldMeta();
$id = $key->id;
$custom_field->name = $request->$id;
$custom_field->parent_id = $repayment->id;
$custom_field->custom_field_id = $key->id;
$custom_field->category = "repayments";
$custom_field->save();
}
//update loan status if need be
if ($request->amount == GeneralHelper::loan_total_balance($loan->id)) {
$l = Loan::find($loan->id);
$l->loan_status = "fully_paid";
$l->save();
}
//check if late repayment is to be applied when adding payment
if ($request->apply_penalty == 1) {
if (!empty($loan->loan_product)) {
if ($loan->loan_product->enable_late_repayment_penalty == 1) {
$schedules = LoanSchedule::where('due_date', '<',
$repayment->due_date)->where('missed_penalty_applied',
0)->orderBy('due_date', 'asc')->get();
foreach ($schedules as $schedule) {
if (GeneralHelper::loan_total_due_period($loan->id,
$schedule->due_date) > GeneralHelper::loan_total_paid_period($loan->id,
$schedule->due_date)
) {
$sch = LoanSchedule::find($schedule->id);
$sch->missed_penalty_applied = 1;
//determine which amount to use
if ($loan->loan_product->late_repayment_penalty_type == "fixed") {
$sch->penalty = $sch->penalty + $loan->loan_product->late_repayment_penalty_amount;
} else {
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal', $schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal_interest') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_interest($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'interest', $schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'overdue_principal_interest_fees') {
$principal = (GeneralHelper::loan_total_principal($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_interest($loan->id,
$schedule->due_date) + GeneralHelper::loan_total_fees($loan->id,
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'principal',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id,
'interest',
$schedule->due_date) - GeneralHelper::loan_paid_item($loan->id, 'fees',
$schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
if ($loan->loan_product->late_repayment_penalty_calculate == 'total_overdue') {
$principal = (GeneralHelper::loan_total_due_amount($loan->id,
$schedule->due_date) - GeneralHelper::loan_total_paid($loan->id,
$schedule->due_date));
$sch->penalty = $sch->penalty + (($loan->loan_product->late_repayment_penalty_amount / 100) * $principal);
}
}
$sch->save();
}
}
}
}
}
//notify borrower
if ($request->notify_borrower == 1) {
if ($request->notify_method == 'both') {
$borrower = $loan->borrower;
//sent via email
if (!empty($borrower->email)) {
$body = Setting::where('setting_key',
'payment_received_email_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerUniqueNumber}', $borrower->unique_number, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerPhone}', $borrower->phone, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', '#' . $loan->id, $body);
$body = str_replace('{paymentAmount}', $request->amount, $body);
$body = str_replace('{paymentDate}', $request->date, $body);
$body = str_replace('{loanAmount}', $loan->principal, $body);
$body = str_replace('{loanDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round(GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id),
2), $body);
$body = str_replace('{loansDue}',
round(GeneralHelper::borrower_loans_total_due($borrower->id), 2), $body);
$body = str_replace('{loansBalance}',
round((GeneralHelper::borrower_loans_total_due($borrower->id) - GeneralHelper::borrower_loans_total_paid($borrower->id)),
2), $body);
$body = str_replace('{loansPayments}',
GeneralHelper::borrower_loans_total_paid($borrower->id),
$body);
PDF::AddPage();
PDF::writeHTML(View::make('loan_repayment.pdf', compact('loan', 'repayment'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf", 'F');
$file_name = $loan->borrower->title . ' ' . $loan->borrower->first_name . ' ' . $loan->borrower->last_name . " - Repayment Receipt.pdf";
Mail::raw($body, function ($message) use ($loan, $request, $borrower, $file_name) {
$message->from(Setting::where('setting_key', 'company_email')->first()->setting_value,
Setting::where('setting_key', 'company_name')->first()->setting_value);
$message->to($borrower->email);
$headers = $message->getHeaders();
$message->attach(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf",
["as" => $file_name]);
$message->setContentType('text/html');
$message->setSubject(Setting::where('setting_key',
'payment_received_email_subject')->first()->setting_value);
});
unlink(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf");
$mail = new Email();
$mail->user_id = Sentinel::getUser()->id;
$mail->message = $body;
$mail->subject = $request->subject;
$mail->recipients = 1;
$mail->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$mail->save();
}
if (!empty($borrower->mobile)) {
if (Setting::where('setting_key', 'sms_enabled')->first()->setting_value == 1) {
//lets build and replace available tags
$body = Setting::where('setting_key',
'payment_received_sms_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', '#' . $loan->id, $body);
$body = str_replace('{paymentAmount}', $request->amount, $body);
$body = str_replace('{paymentDate}', $request->date, $body);
$body = str_replace('{loanAmount}', $loan->principal, $body);
$body = str_replace('{loanTotalDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round(GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id),
2), $body);
$body = str_replace('{lLoansDue}',
round(GeneralHelper::borrower_loans_total_due($borrower->id), 2), $body);
$body = str_replace('{loansBalance}',
round((GeneralHelper::borrower_loans_total_due($borrower->id) - GeneralHelper::borrower_loans_total_paid($borrower->id)),
2), $body);
$body = str_replace('{loansPayments}',
GeneralHelper::borrower_loans_total_paid($borrower->id),
$body);
$body = trim(strip_tags($body));
if (!empty($borrower->mobile)) {
$active_sms = Setting::where('setting_key', 'active_sms')->first()->setting_value;
if ($active_sms == 'twilio') {
$twilio = new Twilio(Setting::where('setting_key',
'twilio_sid')->first()->setting_value,
Setting::where('setting_key', 'twilio_token')->first()->setting_value,
Setting::where('setting_key', 'twilio_phone_number')->first()->setting_value);
$twilio->message('+' . $borrower->mobile, $body);
}
if ($active_sms == 'routesms') {
$host = Setting::where('setting_key', 'routesms_host')->first()->setting_value;
$port = Setting::where('setting_key', 'routesms_port')->first()->setting_value;
$username = Setting::where('setting_key',
'routesms_username')->first()->setting_value;
$password = Setting::where('setting_key',
'routesms_password')->first()->setting_value;
$sender = Setting::where('setting_key', 'sms_sender')->first()->setting_value;
$SMSText = $body;
$GSM = $borrower->mobile;
$msgtype = 2;
$dlr = 1;
$routesms = new RouteSms($host, $port, $username, $password, $sender, $SMSText,
$GSM, $msgtype,
$dlr);
$routesms->Submit();
}
if ($active_sms == 'clickatell') {
$clickatell = new ClickatellHttp(Setting::where('setting_key',
'clickatell_username')->first()->setting_value,
Setting::where('setting_key', 'clickatell_password')->first()->setting_value,
Setting::where('setting_key', 'clickatell_api_id')->first()->setting_value);
$response = $clickatell->sendMessage(array($borrower->mobile), $body);
}
if ($active_sms == 'infobip') {
$infobip = new Infobip(Setting::where('setting_key',
'sms_sender')->first()->setting_value, $body,
$borrower->mobile);
}
$sms = new Sms();
$sms->user_id = Sentinel::getUser()->id;
$sms->message = $body;
$sms->gateway = $active_sms;
$sms->recipients = 1;
$sms->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$sms->save();
}
}
}
//send via sms
}
if ($request->notify_method == 'email') {
$borrower = $loan->borrower;
//sent via email
if (!empty($borrower->email)) {
$body = Setting::where('setting_key',
'payment_received_email_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerUniqueNumber}', $borrower->unique_number, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerPhone}', $borrower->phone, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', '#' . $loan->id, $body);
$body = str_replace('{paymentAmount}', $request->amount, $body);
$body = str_replace('{paymentDate}', $request->date, $body);
$body = str_replace('{loanAmount}', $loan->principal, $body);
$body = str_replace('{loanDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round(GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id),
2), $body);
$body = str_replace('{loansDue}',
round(GeneralHelper::borrower_loans_total_due($borrower->id), 2), $body);
$body = str_replace('{loansBalance}',
round((GeneralHelper::borrower_loans_total_due($borrower->id) - GeneralHelper::borrower_loans_total_paid($borrower->id)),
2), $body);
$body = str_replace('{loansPayments}',
GeneralHelper::borrower_loans_total_paid($borrower->id),
$body);
PDF::AddPage();
PDF::writeHTML(View::make('loan_repayment.pdf', compact('loan', 'repayment'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf", 'F');
$file_name = $loan->borrower->title . ' ' . $loan->borrower->first_name . ' ' . $loan->borrower->last_name . " - Repayment Receipt.pdf";
Mail::raw($body, function ($message) use ($loan, $request, $borrower, $file_name) {
$message->from(Setting::where('setting_key', 'company_email')->first()->setting_value,
Setting::where('setting_key', 'company_name')->first()->setting_value);
$message->to($borrower->email);
$headers = $message->getHeaders();
$message->attach(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf",
["as" => $file_name]);
$message->setContentType('text/html');
$message->setSubject(Setting::where('setting_key',
'payment_received_email_subject')->first()->setting_value);
});
unlink(public_path() . '/uploads/temporary/repayment_receipt' . $loan->id . ".pdf");
$mail = new Email();
$mail->user_id = Sentinel::getUser()->id;
$mail->message = $body;
$mail->subject = $request->subject;
$mail->recipients = 1;
$mail->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$mail->save();
}
}
if ($request->notify_method == 'sms') {
$borrower = $loan->borrower;
if (!empty($borrower->mobile)) {
if (Setting::where('setting_key', 'sms_enabled')->first()->setting_value == 1) {
//lets build and replace available tags
$body = Setting::where('setting_key',
'payment_received_sms_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', '#' . $loan->id, $body);
$body = str_replace('{paymentAmount}', $request->amount, $body);
$body = str_replace('{paymentDate}', $request->date, $body);
$body = str_replace('{loanAmount}', $loan->principal, $body);
$body = str_replace('{loanTotalDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round(GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id),
2), $body);
$body = str_replace('{lLoansDue}',
round(GeneralHelper::borrower_loans_total_due($borrower->id), 2), $body);
$body = str_replace('{loansBalance}',
round((GeneralHelper::borrower_loans_total_due($borrower->id) - GeneralHelper::borrower_loans_total_paid($borrower->id)),
2), $body);
$body = str_replace('{loansPayments}',
GeneralHelper::borrower_loans_total_paid($borrower->id),
$body);
$body = trim(strip_tags($body));
if (!empty($borrower->mobile)) {
$active_sms = Setting::where('setting_key', 'active_sms')->first()->setting_value;
if ($active_sms == 'twilio') {
$twilio = new Twilio(Setting::where('setting_key',
'twilio_sid')->first()->setting_value,
Setting::where('setting_key', 'twilio_token')->first()->setting_value,
Setting::where('setting_key', 'twilio_phone_number')->first()->setting_value);
$twilio->message('+' . $borrower->mobile, $body);
}
if ($active_sms == 'routesms') {
$host = Setting::where('setting_key', 'routesms_host')->first()->setting_value;
$port = Setting::where('setting_key', 'routesms_port')->first()->setting_value;
$username = Setting::where('setting_key',
'routesms_username')->first()->setting_value;
$password = Setting::where('setting_key',
'routesms_password')->first()->setting_value;
$sender = Setting::where('setting_key', 'sms_sender')->first()->setting_value;
$SMSText = $body;
$GSM = $borrower->mobile;
$msgtype = 2;
$dlr = 1;
$routesms = new RouteSms($host, $port, $username, $password, $sender, $SMSText,
$GSM, $msgtype,
$dlr);
$routesms->Submit();
}
if ($active_sms == 'clickatell') {
$clickatell = new ClickatellHttp(Setting::where('setting_key',
'clickatell_username')->first()->setting_value,
Setting::where('setting_key', 'clickatell_password')->first()->setting_value,
Setting::where('setting_key', 'clickatell_api_id')->first()->setting_value);
$response = $clickatell->sendMessage(array($borrower->mobile), $body);
}
if ($active_sms == 'infobip') {
$infobip = new Infobip(Setting::where('setting_key',
'sms_sender')->first()->setting_value, $body,
$borrower->mobile);
}
$sms = new Sms();
$sms->user_id = Sentinel::getUser()->id;
$sms->message = $body;
$sms->gateway = $active_sms;
$sms->recipients = 1;
$sms->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$sms->save();
}
}
}
}
}
Flash::success("Repayment successfully saved");
return redirect('loan/' . $loan->id . '/show');
}
}
public function deleteRepayment($loan, $id)
{
if (!Sentinel::hasAccess('repayments.delete')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
LoanRepayment::destroy($id);
if (GeneralHelper::loan_total_balance($loan->id) > 0 && $loan->loan_status == "full_paid") {
$l = Loan::find($loan->id);
$l->loan_status = "open";
$l->save();
}
Flash::success("Repayment successfully deleted");
return redirect('loan/' . $loan->id . '/show');
}
// print repayment
public function pdfRepayment($loan, $repayment)
{
PDF::AddPage();
PDF::writeHTML(View::make('loan_repayment.pdf', compact('loan', 'repayment'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output($loan->borrower->title . ' ' . $loan->borrower->first_name . ' ' . $loan->borrower->last_name . " - Repayment Receipt.pdf",
'D');
}
public function printRepayment($loan, $repayment)
{
return view('loan_repayment.print', compact('loan', 'repayment'));
}
public function editRepayment($loan, $repayment)
{
if (!Sentinel::hasAccess('repayments.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$repayment_methods = array();
foreach (LoanRepaymentMethod::all() as $key) {
$repayment_methods[$key->id] = $key->name;
}
$custom_fields = CustomField::where('category', 'repayments')->get();
return view('loan_repayment.edit', compact('loan', 'repayment_methods', 'custom_fields', 'repayment'));
}
public function updateRepayment(Request $request, $loan, $id)
{
if (!Sentinel::hasAccess('repayments.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
if ($request->amount > GeneralHelper::loan_total_balance($loan->id)) {
Flash::warning("Amount is more than the balance(" . GeneralHelper::loan_total_balance($loan->id) . ')');
return redirect()->back()->withInput();
} else {
$repayment = LoanRepayment::find($id);
$repayment->amount = $request->amount;
$repayment->loan_id = $loan->id;
$repayment->collection_date = $request->collection_date;
$repayment->repayment_method_id = $request->repayment_method_id;
$repayment->notes = $request->notes;
$date = explode('-', $request->collection_date);
$repayment->year = $date[0];
$repayment->month = $date[1];
//determine which schedule due date the payment applies too
$schedule = LoanSchedule::where('due_date', '>=', $request->collection_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
if (!empty($schedule)) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('loan_id',
$loan->id)->orderBy('due_date',
'desc')->first();
if ($request->collection_date > $schedule->due_date) {
$repayment->due_date = $schedule->due_date;
} else {
$schedule = LoanSchedule::where('due_date', '>', $request->collection_date)->where('loan_id',
$loan->id)->orderBy('due_date',
'asc')->first();
$repayment->due_date = $schedule->due_date;
}
}
$repayment->save();
//save custom meta
$custom_fields = CustomField::where('category', 'repayments')->get();
foreach ($custom_fields as $key) {
if (!empty(CustomFieldMeta::where('custom_field_id', $key->id)->where('parent_id',
$id)->where('category', 'repayments')->first())
) {
$custom_field = CustomFieldMeta::where('custom_field_id', $key->id)->where('parent_id',
$id)->where('category', 'repayments')->first();
} else {
$custom_field = new CustomFieldMeta();
}
$kid = $key->id;
$custom_field->name = $request->$kid;
$custom_field->parent_id = $id;
$custom_field->custom_field_id = $key->id;
$custom_field->category = "repayments";
$custom_field->save();
}
//update loan status if need be
if ($request->amount == GeneralHelper::loan_total_balance($loan->id)) {
$l = Loan::find($loan->id);
$l->loan_status = "fully_paid";
$l->save();
}
Flash::success("Repayment successfully saved");
return redirect('loan/' . $loan->id . '/show');
}
}
//edit loan schedule
public function editSchedule($loan)
{
if (!Sentinel::hasAccess('loans.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$rows = 0;
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
return view('loan.edit_schedule', compact('loan', 'schedules', 'rows'));
}
public function updateSchedule(Request $request, $loan)
{
if (!Sentinel::hasAccess('loans.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
if ($request->submit == 'add_row') {
$rows = $request->addrows;
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
return view('loan.edit_schedule', compact('loan', 'schedules', 'rows'));
}
if ($request->submit == 'submit') {
//lets delete existing schedules
LoanSchedule::where('loan_id', $loan->id)->delete();
for ($count = 0; $count < $request->count; $count++) {
$schedule = new LoanSchedule();
if (empty($request->due_date) && empty($request->principal) && empty($request->interest) && empty($request->fees) && empty($request->penalty)) {
//do nothing
} elseif (empty($request->due_date)) {
//do nothing
} else {
//all rosy, lets save our data here
$schedule->due_date = $request->due_date[$count];
$schedule->principal = $request->principal[$count];
$schedule->description = $request->description[$count];
$schedule->loan_id = $loan->id;
$schedule->borrower_id = $loan->borrower_id;
$schedule->interest = $request->interest[$count];
$schedule->fees = $request->fees[$count];
$schedule->penalty = $request->penalty[$count];
$date = explode('-', $request->due_date[$count]);
$schedule->month = $date[1];
$schedule->year = $date[0];
$schedule->save();
}
}
Flash::success("Schedule successfully updated");
return redirect('loan/' . $loan->id . '/show');
}
}
public function pdfSchedule($loan)
{
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_schedule', compact('loan', 'schedules'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output($loan->borrower->title . ' ' . $loan->borrower->first_name . ' ' . $loan->borrower->last_name . " - Loan Repayment Schedule.pdf",
'D');
}
public function printSchedule($loan)
{
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
return view('loan.print_schedule', compact('loan', 'schedules'));
}
public function pdfLoanStatement($loan)
{
$payments = LoanRepayment::where('loan_id', $loan->id)->orderBy('collection_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_loan_statement', compact('loan', 'payments'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output($loan->borrower->title . ' ' . $loan->borrower->first_name . ' ' . $loan->borrower->last_name . " - Loan Statement.pdf",
'D');
}
public function printLoanStatement($loan)
{
$payments = LoanRepayment::where('loan_id', $loan->id)->orderBy('collection_date', 'asc')->get();
return view('loan.print_loan_statement', compact('loan', 'payments'));
}
public function pdfBorrowerStatement($borrower)
{
$loans = Loan::where('borrower_id', $borrower->id)->orderBy('release_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_borrower_statement', compact('loans'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output($borrower->title . ' ' . $borrower->first_name . ' ' . $borrower->last_name . " - Client Statement.pdf",
'D');
}
public function printBorrowerStatement($borrower)
{
$loans = Loan::where('borrower_id', $borrower->id)->orderBy('release_date', 'asc')->get();
return view('loan.print_borrower_statement', compact('loans'));
}
public function override(Request $request, $loan)
{
if (!Sentinel::hasAccess('loans.update')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
if ($request->isMethod('post')) {
$l = Loan::find($loan->id);
$l->balance = $request->balance;
if (empty($request->override)) {
$l->override = 0;
} else {
$l->override = $request->override;
}
$l->save();
Flash::success(translate('override_successfully_applied'));
return redirect('loan/' . $loan->id . '/show');
}
return view('loan.override', compact('loan'));
}
public function emailBorrowerStatement($borrower)
{
if (!empty($borrower->email)) {
$body = Setting::where('setting_key',
'borrower_statement_email_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerUniqueNumber}', $borrower->unique_number, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerPhone}', $borrower->phone, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loansPayments}', GeneralHelper::borrower_loans_total_paid($borrower->id), $body);
$body = str_replace('{loansDue}',
round(GeneralHelper::borrower_loans_total_due($borrower->id), 2), $body);
$body = str_replace('{loansBalance}',
round((GeneralHelper::borrower_loans_total_due($borrower->id) - GeneralHelper::borrower_loans_total_paid($borrower->id)),
2), $body);
$body = str_replace('{loanPayments}',
GeneralHelper::borrower_loans_total_paid($borrower->id),
$body);
$loans = Loan::where('borrower_id', $borrower->id)->orderBy('release_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_borrower_statement', compact('loans'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output(public_path() . '/uploads/temporary/borrower_statement' . $borrower->id . ".pdf", 'F');
$file_name = $borrower->title . ' ' . $borrower->first_name . ' ' . $borrower->last_name . " - Client Statement.pdf";
Mail::raw($body, function ($message) use ($borrower, $file_name) {
$message->from(Setting::where('setting_key', 'company_email')->first()->setting_value,
Setting::where('setting_key', 'company_name')->first()->setting_value);
$message->to($borrower->email);
$headers = $message->getHeaders();
$message->attach(public_path() . '/uploads/temporary/borrower_statement' . $borrower->id . ".pdf",
["as" => $file_name]);
$message->setContentType('text/html');
$message->setSubject(Setting::where('setting_key',
'borrower_statement_email_subject')->first()->setting_value);
});
unlink(public_path() . '/uploads/temporary/borrower_statement' . $borrower->id . ".pdf");
$mail = new Email();
$mail->user_id = Sentinel::getUser()->id;
$mail->message = $body;
$mail->subject = Setting::where('setting_key',
'borrower_statement_email_subject')->first()->setting_value;
$mail->recipients = 1;
$mail->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$mail->save();
Flash::success("Statment successfully sent");
return redirect('borrower/' . $borrower->id . '/show');
} else {
Flash::warning("Borrower has no email set");
return redirect('borrower/' . $borrower->id . '/show');
}
}
public function emailLoanStatement($loan)
{
$borrower = $loan->borrower;
if (!empty($borrower->email)) {
$body = Setting::where('setting_key',
'loan_statement_email_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerUniqueNumber}', $borrower->unique_number, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerPhone}', $borrower->phone, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', $loan->id, $body);
$body = str_replace('{loanPayments}', GeneralHelper::loan_total_paid($loan->id), $body);
$body = str_replace('{loanDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round((GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id)),
2), $body);
$payments = LoanRepayment::where('loan_id', $loan->id)->orderBy('collection_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_loan_statement', compact('loan', 'payments'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output(public_path() . '/uploads/temporary/loan_statement' . $loan->id . ".pdf", 'F');
$file_name = $borrower->title . ' ' . $borrower->first_name . ' ' . $borrower->last_name . " - Loan Statement.pdf";
Mail::raw($body, function ($message) use ($borrower, $loan, $file_name) {
$message->from(Setting::where('setting_key', 'company_email')->first()->setting_value,
Setting::where('setting_key', 'company_name')->first()->setting_value);
$message->to($borrower->email);
$headers = $message->getHeaders();
$message->attach(public_path() . '/uploads/temporary/loan_statement' . $loan->id . ".pdf",
["as" => $file_name]);
$message->setContentType('text/html');
$message->setSubject(Setting::where('setting_key',
'loan_statement_email_subject')->first()->setting_value);
});
unlink(public_path() . '/uploads/temporary/loan_statement' . $loan->id . ".pdf");
$mail = new Email();
$mail->user_id = Sentinel::getUser()->id;
$mail->message = $body;
$mail->subject = Setting::where('setting_key',
'loan_statement_email_subject')->first()->setting_value;
$mail->recipients = 1;
$mail->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$mail->save();
Flash::success("Loan Statement successfully sent");
return redirect('loan/' . $loan->id . '/show');
} else {
Flash::warning("Borrower has no email set");
return redirect('loan/' . $loan->id . '/show');
}
}
public function emailLoanSchedule($loan)
{
$borrower = $loan->borrower;
if (!empty($borrower->email)) {
$body = Setting::where('setting_key',
'loan_schedule_email_template')->first()->setting_value;
$body = str_replace('{borrowerTitle}', $borrower->title, $body);
$body = str_replace('{borrowerFirstName}', $borrower->first_name, $body);
$body = str_replace('{borrowerLastName}', $borrower->last_name, $body);
$body = str_replace('{borrowerAddress}', $borrower->address, $body);
$body = str_replace('{borrowerUniqueNumber}', $borrower->unique_number, $body);
$body = str_replace('{borrowerMobile}', $borrower->mobile, $body);
$body = str_replace('{borrowerPhone}', $borrower->phone, $body);
$body = str_replace('{borrowerEmail}', $borrower->email, $body);
$body = str_replace('{loanNumber}', $loan->id, $body);
$body = str_replace('{loanPayments}', GeneralHelper::loan_total_paid($loan->id), $body);
$body = str_replace('{loanDue}',
round(GeneralHelper::loan_total_due_amount($loan->id), 2), $body);
$body = str_replace('{loanBalance}',
round((GeneralHelper::loan_total_due_amount($loan->id) - GeneralHelper::loan_total_paid($loan->id)),
2), $body);
$schedules = LoanSchedule::where('loan_id', $loan->id)->orderBy('due_date', 'asc')->get();
PDF::AddPage();
PDF::writeHTML(View::make('loan.pdf_schedule', compact('loan', 'schedules'))->render());
PDF::SetAuthor('Tererai Mugova');
PDF::Output(public_path() . '/uploads/temporary/loan_schedule' . $loan->id . ".pdf", 'F');
$file_name = $borrower->title . ' ' . $borrower->first_name . ' ' . $borrower->last_name . " - Loan Schedule.pdf";
Mail::raw($body, function ($message) use ($borrower, $loan, $file_name) {
$message->from(Setting::where('setting_key', 'company_email')->first()->setting_value,
Setting::where('setting_key', 'company_name')->first()->setting_value);
$message->to($borrower->email);
$headers = $message->getHeaders();
$message->attach(public_path() . '/uploads/temporary/loan_schedule' . $loan->id . ".pdf",
["as" => $file_name]);
$message->setContentType('text/html');
$message->setSubject(Setting::where('setting_key',
'loan_schedule_email_subject')->first()->setting_value);
});
unlink(public_path() . '/uploads/temporary/loan_schedule' . $loan->id . ".pdf");
$mail = new Email();
$mail->user_id = Sentinel::getUser()->id;
$mail->message = $body;
$mail->subject = Setting::where('setting_key',
'loan_statement_email_subject')->first()->setting_value;
$mail->recipients = 1;
$mail->send_to = $borrower->first_name . ' ' . $borrower->last_name . '(' . $borrower->unique_number . ')';
$mail->save();
Flash::success("Loan Statement successfully sent");
return redirect('loan/' . $loan->id . '/show');
} else {
Flash::warning("Borrower has no email set");
return redirect('loan/' . $loan->id . '/show');
}
}
//loan applications
public function indexApplication()
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$data = LoanApplication::all();
return view('loan.applications', compact('data'));
}
public function declineApplication($id)
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$application = LoanApplication::find($id);
$application->status = "declined";
$application->save();
Flash::success(translate('successfully_saved'));
return redirect('loan/loan_application/data');
}
public function deleteApplication($id)
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
LoanApplication::destroy($id);
Flash::success(translate('successfully_deleted'));
return redirect('loan/loan_application/data');
}
public function approveApplication($id)
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loan_disbursed_by = array();
foreach (LoanDisbursedBy::all() as $key) {
$loan_disbursed_by[$key->id] = $key->name;
}
$application = LoanApplication::find($id);
//get custom fields
$custom_fields = CustomField::where('category', 'loans')->get();
$loan_fees = LoanFee::all();
$loan_product = $application->loan_product;
if (!empty($application->loan_product)) {
return view('loan.approve_application',
compact('id', 'application', 'loan_product', 'loan_disbursed_by', 'custom_fields', 'loan_fees'));
} else {
Flash::warning(translate('loan_application_approve_error'));
return redirect('loan/loan_application/data');
}
}
public function storeApproveApplication(Request $request, $id)
{
if (!Sentinel::hasAccess('loans')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$application = LoanApplication::find($id);
$application->status = "approved";
$application->save();
//lets save the loan here
if (!Sentinel::hasAccess('loans.create')) {
Flash::warning(translate('permission_denied'));
return redirect('/');
}
$loan = new Loan();
$loan->loan_disbursed_by_id = $request->loan_disbursed_by_id;
$loan->principal = $request->principal;
$loan->interest_method = $request->interest_method;
$loan->interest_rate = $request->interest_rate;
$loan->interest_period = $request->interest_period;
$loan->loan_duration = $request->loan_duration;
$loan->loan_duration_type = $request->loan_duration_type;
$loan->repayment_cycle = $request->repayment_cycle;
$loan->decimal_places = $request->decimal_places;
$loan->repayment_order = $request->repayment_order;
$loan->override_interest = $request->override_interest;
$loan->override_interest_amount = $request->override_interest_amount;
$loan->grace_on_interest_charged = $request->grace_on_interest_charged;
$loan->borrower_id = $request->borrower_id;
$loan->user_id = Sentinel::getUser()->id;
$loan->loan_product_id = $request->loan_product_id;
$loan->release_date = $request->release_date;
$date = explode('-', $request->release_date);
$loan->month = $date[1];
$loan->year = $date[0];
$loan->first_payment_date = $request->first_payment_date;
$loan->description = $request->description;
$files = array();
if (!empty(array_filter($request->file('files')))) {
$count = 0;
foreach ($request->file('files') as $key) {
$file = array('files' => $key);
$rules = array('files' => 'required|mimes:jpeg,jpg,bmp,png,pdf,docx,xlsx');
$validator = Validator::make($file, $rules);
if ($validator->fails()) {
Flash::warning(translate('validation_error'));
return redirect()->back()->withInput()->withErrors($validator);
} else {
$files[$count] = $key->getClientOriginalName();
$key->move(public_path() . '/uploads',
$key->getClientOriginalName());
}
$count++;
}
}
$loan->files = serialize($files);
$loan->save();
//save custom meta
$custom_fields = CustomField::where('category', 'loans')->get();
foreach ($custom_fields as $key) {
$custom_field = new CustomFieldMeta();
$id = $key->id;
$custom_field->name = $request->$id;
$custom_field->parent_id = $loan->id;
$custom_field->custom_field_id = $key->id;
$custom_field->category = "loans";
$custom_field->save();
}
//save loan fees
$fees_distribute = 0;
$fees_first_payment = 0;
$fees_last_payment = 0;
foreach (LoanFee::all() as $key) {
$loan_fee = new LoanFeeMeta();
$value = 'loan_fees_amount_' . $key->id;
$loan_fees_schedule = 'loan_fees_schedule_' . $key->id;
$loan_fee->user_id = Sentinel::getUser()->id;
$loan_fee->category = 'loan';
$loan_fee->parent_id = $loan->id;
$loan_fee->loan_fees_id = $key->id;
$loan_fee->value = $request->$value;
$loan_fee->loan_fees_schedule = $request->$loan_fees_schedule;
$loan_fee->save();
//determine amount to use
if ($key->loan_fee_type == 'fixed') {
if ($loan_fee->loan_fees_schedule == 'distribute_fees_evenly') {
$fees_distribute = $fees_distribute + $loan_fee->value;
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_first_payment') {
$fees_first_payment = $fees_first_payment + $loan_fee->value;
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_last_payment') {
$fees_last_payment = $fees_last_payment + $loan_fee->value;
}
} else {
if ($loan_fee->loan_fees_schedule == 'distribute_fees_evenly') {
$fees_distribute = $fees_distribute + ($loan_fee->value * $loan->principal / 100);
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_first_payment') {
$fees_first_payment = $fees_first_payment + ($loan_fee->value * $loan->principal / 100);
}
if ($loan_fee->loan_fees_schedule == 'charge_fees_on_last_payment') {
$fees_last_payment = $fees_last_payment + ($loan_fee->value * $loan->principal / 100);
}
}
}
//lets create schedules here
//determine interest rate to use
$interest_rate = GeneralHelper::determine_interest_rate($loan->id);
$period = GeneralHelper::loan_period($loan->id);
$loan = Loan::find($loan->id);
if ($loan->repayment_cycle == 'daily') {
$repayment_cycle = 'day';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' days')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'weekly') {
$repayment_cycle = 'week';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' weeks')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'monthly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'bi_monthly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'quarterly') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'semi_annually') {
$repayment_cycle = 'month';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
}
if ($loan->repayment_cycle == 'yearly') {
$repayment_cycle = 'year';
$loan->maturity_date = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' years')),
'Y-m-d');
}
$loan->save();
//generate schedules until period finished
$next_payment = $request->first_payment_date;
$balance = $request->principal;
for ($i = 1; $i <= $period; $i++) {
$fees = 0;
if ($i == 1) {
$fees = $fees + ($fees_first_payment);
}
if ($i == $period) {
$fees = $fees + ($fees_last_payment);
}
$fees = $fees + ($fees_distribute / $period);
$loan_schedule = new LoanSchedule();
$loan_schedule->loan_id = $loan->id;
$loan_schedule->fees = $fees;
$loan_schedule->borrower_id = $loan->borrower_id;
$loan_schedule->description = 'Repayment';
$loan_schedule->due_date = $next_payment;
$date = explode('-', $next_payment);
$loan_schedule->month = $date[1];
$loan_schedule->year = $date[0];
//determine which method to use
$due = 0;
//reducing balance equal installments
if ($request->interest_method == 'declining_balance_equal_installments') {
$due = GeneralHelper::amortized_monthly_payment($loan->id, $loan->principal);
if ($loan->decimal_places == 'round_off_to_two_decimal') {
//determine if we have grace period for interest
$interest = round(($interest_rate * $balance), 2);
$loan_schedule->principal = round(($due - $interest), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->due = round($due, 2);
//determine next balance
$balance = round(($balance - ($due - $interest)), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
//determine if we have grace period for interest
$interest = round(($interest_rate * $balance));
$loan_schedule->principal = round(($due - $interest));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->due = round($due);
//determine next balance
$balance = round(($balance - ($due - $interest)));
$loan_schedule->principal_balance = round($balance);
}
}
//reducing balance equal principle
if ($request->interest_method == 'declining_balance_equal_principal') {
$principal = $loan->principal / $period;
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $balance), 2);
$loan_schedule->principal = round($principal, 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - ($principal + $interest)), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$loan_schedule->principal = round(($principal));
$interest = round(($interest_rate * $balance));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - ($principal + $interest)));
$loan_schedule->principal_balance = round($balance);
}
}
//flat method
if ($request->interest_method == 'flat_rate') {
$principal = $loan->principal / $period;
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $loan->principal), 2);
$loan_schedule->principal = round(($principal), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->principal = round(($principal), 2);
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - $principal), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$interest = round(($interest_rate * $loan->principal));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->principal = round($principal);
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - $principal));
$loan_schedule->principal_balance = round($balance);
}
}
//interest only method
if ($request->interest_method == 'interest_only') {
if ($i == $period) {
$principal = $loan->principal;
} else {
$principal = 0;
}
if ($loan->decimal_places == 'round_off_to_two_decimal') {
$interest = round(($interest_rate * $loan->principal), 2);
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest, 2);
}
$loan_schedule->principal = round(($principal), 2);
$loan_schedule->due = round(($principal + $interest), 2);
//determine next balance
$balance = round(($balance - $principal), 2);
$loan_schedule->principal_balance = round($balance, 2);
} else {
$interest = round(($interest_rate * $loan->principal));
if ($loan->grace_on_interest_charged >= $i) {
$loan_schedule->interest = 0;
} else {
$loan_schedule->interest = round($interest);
}
$loan_schedule->principal = round($principal);
$loan_schedule->due = round($principal + $interest);
//determine next balance
$balance = round(($balance - $principal));
$loan_schedule->principal_balance = round($balance);
}
}
//determine next due date
if ($loan->repayment_cycle == 'daily') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 days')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'weekly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 weeks')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'monthly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'bi_monthly') {
$next_payment = date_format(date_add(date_create($request->first_payment_date),
date_interval_create_from_date_string($period . ' months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'quarterly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('2 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'semi_annually') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('6 months')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($loan->repayment_cycle == 'yearly') {
$next_payment = date_format(date_add(date_create($next_payment),
date_interval_create_from_date_string('1 years')),
'Y-m-d');
$loan_schedule->due_date = $next_payment;
}
if ($i == $period) {
$loan_schedule->principal_balance = round($balance);
}
$loan_schedule->save();
}
Flash::success(translate('successfully_saved'));
return redirect('loan/loan_application/data');
}
}