public function getInvitee($username)
{
$lender = LenderQuery::create()->useUserQuery()->filterByUsername($username)->endUse()->findOne();
$lenderInviteVisit = InviteVisitQuery::create()->findOneById(Session::get('lenderInviteVisitId'));
if (!$lender) {
return Redirect::route('/');
}
$ycAccountCredit = TransactionQuery::create()->filterByUserId(Setting::get('site.YCAccountId'))->getTotalBalance();
if ($ycAccountCredit->getAmount() < 5000) {
return View::make('lender.invite-inactive');
}
if (!Auth::check()) {
$lenderInvite = $shareType = null;
if (Request::query('h')) {
$lenderInvite = InviteQuery::create()->filterByLender($lender)->findOneByHash(Request::query('h'));
$shareType = $lenderInvite ? 1 : null;
} else {
$shareType = Request::query('s') ?: 0;
}
$isNewVisit = !$lenderInviteVisit || $lenderInviteVisit->getLenderId() != $lender->getId();
if ($isNewVisit && $shareType !== null) {
$lenderInviteVisit = $this->lenderService->addLenderInviteVisit($lender, $shareType, $lenderInvite);
Session::put('lenderInviteVisitId', $lenderInviteVisit->getId());
return Redirect::route('lender:invitee', ['username' => $lender->getUser()->getUsername()]);
}
}
return View::make('lender.invitee', compact('lender'));
}
public function getCurrentBalance()
{
if ($this->currentBalance === null) {
if (!\Auth::check()) {
$this->currentBalance = Money::create(0);
} else {
$this->currentBalance = TransactionQuery::create()->filterByUserId(\Auth::user()->getId())->getTotalAmount();
}
}
return $this->currentBalance;
}
public function disburseLoan(Loan $loan, \DateTime $disbursedDate, Money $nativeAmount)
{
$isDisbursed = TransactionQuery::create()->filterByLoan($loan)->filterDisbursement()->count();
if ($isDisbursed) {
// TODO
return;
}
PropelDB::transaction(function ($con) use($loan, $disbursedDate, $nativeAmount) {
$this->transactionService->addDisbursementTransaction($con, $nativeAmount, $loan);
$loans = LoanQuery::create()->filterByBorrower($loan->getBorrower())->count();
if ($loans == 1) {
$this->transactionService->addFeeTransaction($con, $nativeAmount, $loan);
}
//TODO service fee rate
$loan->setStatus(Loan::ACTIVE)->setNativeDisbursedAmount($nativeAmount)->setDisbursedDate($disbursedDate)->calculateExtraDays($disbursedDate)->setServiceFeeRate(2.5);
$loan->save($con);
$this->changeLoanStage($con, $loan, Loan::FUNDED, Loan::ACTIVE);
$installments = $this->generateLoanInstallments($loan);
foreach ($installments as $installment) {
$installment->save($con);
}
});
//TODO Add repayment schedule
//TODO Send email / sift sience event
}
/**
* @param Loan $loan
* @param Money $amount
* @return RepaymentCalculator
*/
public function getRepaymentCalculator(Loan $loan, Money $amount)
{
$paidServiceFee = TransactionQuery::create()->filterByLoan($loan)->filterServiceFee()->getNativeTotalAmount($loan->getCurrency());
$forgivenAmount = ForgivenLoanQuery::create()->filterByLoan($loan)->getNativeTotalAmount($loan);
$amounts = InstallmentQuery::create()->filterByLoan($loan)->getNativeAmounts($loan->getCurrency());
$calculator = new RepaymentCalculator($loan);
$calculator->setPaidAmount($amounts['paidAmount'])->setTotalAmount($amounts['totalAmount'])->setRepaymentAmount($amount)->setPaidServiceFee($paidServiceFee)->setForgivenAmount($forgivenAmount);
return $calculator;
}
public function testRefundLenders(UnitTester $I)
{
$method = new ReflectionMethod($this->loanService, 'refundLenders');
$method->setAccessible(true);
$con = Propel::getWriteConnection(TransactionTableMap::DATABASE_NAME);
$con->beginTransaction();
$loan = \Zidisha\Loan\LoanQuery::create()->findOneById(5);
$lender1 = \Zidisha\Lender\LenderQuery::create()->findOneById(203);
$lender2 = \Zidisha\Lender\LenderQuery::create()->findOneById(204);
$lender3 = \Zidisha\Lender\LenderQuery::create()->findOneById(205);
try {
$this->transactionService->addPlaceBidTransaction($con, Money::create(50), $loan, $lender1);
$this->transactionService->addPlaceBidTransaction($con, Money::create(30), $loan, $lender2);
$this->transactionService->addPlaceBidTransaction($con, Money::create(40), $loan, $lender3);
$this->transactionService->addOutBidTransaction($con, Money::create(20), $loan, $lender1);
$this->transactionService->addUpdateBidTransaction($con, Money::create(10), $loan, $lender2);
$this->transactionService->addOutBidTransaction($con, Money::create(10), $loan, $lender1);
$refunds = $method->invoke($this->loanService, $con, $loan, Loan::EXPIRED);
verify($refunds[$lender1->getId()]['refundAmount'])->equals(Money::create(20));
verify($refunds[$lender2->getId()]['refundAmount'])->equals(Money::create(40));
verify($refunds[$lender3->getId()]['refundAmount'])->equals(Money::create(40));
$lender1VerifyRefund = \Zidisha\Balance\TransactionQuery::create()->filterByUserId($lender1->getId())->filterByType(Transaction::LOAN_OUTBID)->filterBySubType(Transaction::LOAN_BID_EXPIRED)->count();
$lender2VerifyRefund = \Zidisha\Balance\TransactionQuery::create()->filterByUserId($lender2->getId())->filterByType(Transaction::LOAN_OUTBID)->filterBySubType(Transaction::LOAN_BID_EXPIRED)->count();
$lender3VerifyRefund = \Zidisha\Balance\TransactionQuery::create()->filterByUserId($lender1->getId())->filterByType(Transaction::LOAN_OUTBID)->filterBySubType(Transaction::LOAN_BID_EXPIRED)->count();
verify($lender1VerifyRefund)->equals(1);
verify($lender2VerifyRefund)->equals(1);
verify($lender3VerifyRefund)->equals(1);
$con->rollBack();
} catch (\Exception $e) {
$con->rollBack();
throw $e;
}
}
public function deactivateLender(Lender $lender)
{
if (!$lender->isActive()) {
return false;
}
$currentBalance = TransactionQuery::create()->filterByUser($lender->getUser())->getTotalAmount();
if ($currentBalance->isPositive()) {
PropelDB::transaction(function ($con) use($lender, $currentBalance) {
$this->transactionService->addConvertToDonationTransaction($con, $lender, $currentBalance);
$lender->setAdminDonate(true)->setActive(false);
$lender->save($con);
});
}
return true;
}
