KRYSTALM7 commented on code in PR #29: URL: https://github.com/apache/fineract-loan-origination/pull/29#discussion_r3487489933
########## src/main/java/org/apache/fineract/los/scoring/factors/IncomeLoanRatioFactor.java: ########## @@ -0,0 +1,117 @@ +/* + * Licensed to the Apache Software Foundation (ASF) under one + * or more contributor license agreements. See the NOTICE file + * distributed with this work for additional information + * regarding copyright ownership. The ASF licenses this file + * to you under the Apache License, Version 2.0 (the + * "License"); you may not use this file except in compliance + * with the License. You may obtain a copy of the License at + * + * http://www.apache.org/licenses/LICENSE-2.0 + * + * Unless required by applicable law or agreed to in writing, + * software distributed under the License is distributed on an + * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY + * KIND, either express or implied. See the License for the + * specific language governing permissions and limitations + * under the License. + */ + +package org.apache.fineract.los.scoring.factors; + +import java.math.BigDecimal; +import java.math.RoundingMode; +import lombok.RequiredArgsConstructor; +import org.apache.fineract.los.scoring.ScoringFactor; +import org.apache.fineract.los.scoring.ScoringWeightsProperties; +import org.apache.fineract.los.scoring.model.ApplicantScoringProfile; +import org.apache.fineract.los.scoring.model.FactorScore; +import org.springframework.stereotype.Component; + +/** + * Evaluates the income-to-loan ratio as a credit scoring factor. + * + * <p>Measures whether the applicant's monthly income is sufficient relative to the requested loan + * amount. A higher ratio indicates stronger repayment capacity. + * + * <p>Scoring bands (ratio = monthlyIncome / requestedAmount): + * + * <ul> + * <li>≥ 0.50 (income covers loan in ≤ 2 months) → full points + * <li>≥ 0.25 (≤ 4 months) → 75% of max points + * <li>≥ 0.15 (≤ ~6.7 months) → 50% of max points + * <li>≥ 0.10 (≤ 10 months) → 25% of max points + * <li>< 0.10 → 0 points + * </ul> + * + * <p>If {@code requestedAmount} is null or zero, scores 0 (cannot evaluate an undefined loan size). + * If {@code monthlyIncome} is null or zero, scores 0 (no income means no repayment capacity). + */ +@Component +@RequiredArgsConstructor +public class IncomeLoanRatioFactor implements ScoringFactor { + + private static final String FACTOR_NAME = "income-ratio"; + + private final ScoringWeightsProperties weights; + + @Override + public FactorScore score(ApplicantScoringProfile profile) { + final int max = maxPoints(); + + BigDecimal income = profile.getMonthlyIncome(); + BigDecimal requested = profile.getRequestedAmount(); + + if (income == null + || requested == null + || income.compareTo(BigDecimal.ZERO) <= 0 + || requested.compareTo(BigDecimal.ZERO) <= 0) { + return FactorScore.builder() + .points(0) + .maxPoints(max) + .explanation("Insufficient data to evaluate income-to-loan ratio.") + .build(); + } + + // ratio = monthlyIncome / requestedAmount + BigDecimal ratio = income.divide(requested, 4, RoundingMode.HALF_UP); + double r = ratio.doubleValue(); + + int points; + String explanation; + + if (r >= 0.50) { Review Comment: Made these configurable via los.scoring.weights.income-ratio-* in application.yml, bound through ScoringWeightsProperties. Institutions can now tune thresholds without code changes. -- This is an automated message from the Apache Git Service. To respond to the message, please log on to GitHub and use the URL above to go to the specific comment. To unsubscribe, e-mail: [email protected] For queries about this service, please contact Infrastructure at: [email protected]
