# LendCore Project Updates - Session Summary

## Overview
This document summarizes the fixes and updates made to the LendCore Laravel loan management system during the development session on April 27, 2026.

## Changes Made

### 13. Phase 1 Database Foundation Implementation ✅
**Date:** April 28, 2026
**Migrations Created:**
- `add_tier_access_to_users_table` — Add accessible_tier_id, mpesa_phone, admin_pin_hash
- `create_loan_requests_table` — New table for loan request tracking
- `add_installment_tracking_to_repayments_table` — Add installment_number, is_active, paid_at
- `add_mpesa_to_transactions_table` — Add mpesa_code, mpesa_transaction_id, callback_data, processed_at, repayment_id
- `add_phase1_settings` — Seed configuration values

**Models Created/Updated:**
- New: `LoanRequest` model with relationships
- Updated: `User` model with tier access relationships
- Updated: `Repayment` model with installment fields
- Updated: `Transaction` model with M-Pesa tracking

**Test Data Seeder Updates:**
- Changed tiers from generic (Bronze/Silver/Gold/Platinum) to BIASHARA 1-5
- Set all new users to accessible_tier_id = 1 (default tier)
- Added M-Pesa phone numbers for all users
- Updated repayments with installment_number and is_active
- Updated transactions with repayment_id and M-Pesa fields
- Changed interest rate to 25% across all BIASHARA tiers

**Backward Compatibility:**
- ✅ All new fields nullable
- ✅ Existing API routes unaffected
- ✅ Web user flows maintain functionality
- ✅ Mobile API continues to work
- ✅ Admin dashboard still operational

**Result:** Database foundation ready for Phase 2 services

### 12. Admin Login Page Styling Update
**File:** `resources/views/admin/auth/login.blade.php`
- **Issue:** Admin login page had basic, unstyled form
- **Fix:** Updated to match user login page layout:
  - Added responsive Tailwind CSS styling with gray background and indigo buttons
  - Clear "Admin Login" labeling with appropriate description
  - Proper form fields with labels and error handling
  - Demo credentials section showing admin email
  - Maintained existing login logic and form action (`/admin/login`)

### 11. Test Data Seeder Implementation
**File:** `database/seeders/TestDataSeeder.php`
- **Issue:** Limited test data for admin views and analysis
- **Fix:** Created comprehensive seeder generating:
  - 4 loan tiers (Bronze, Silver, Gold, Platinum) with different ranges and rules
  - 15 users total (1 admin + 14 random users)
  - 1-3 loans per user with varied statuses (pending, approved, active, completed, defaulted)
  - Full repayment schedules for active loans with random payment progress
  - Fines for overdue repayments with calculated amounts
  - Payment transactions for completed repayments
- **Integration:** Updated `DatabaseSeeder.php` to call `TestDataSeeder::class`

### 1. CSRF Token Fix
**File:** `database/seeders/TestDataSeeder.php`
- **Issue:** Limited test data for admin views and analysis
- **Fix:** Created comprehensive seeder generating:
  - 4 loan tiers (Bronze, Silver, Gold, Platinum) with different ranges and rules
  - 15 users total (1 admin + 14 random users)
  - 1-3 loans per user with varied statuses (pending, approved, active, completed, defaulted)
  - Full repayment schedules for active loans with random payment progress
  - Fines for overdue repayments with calculated amounts
  - Payment transactions for completed repayments
- **Integration:** Updated `DatabaseSeeder.php` to call `TestDataSeeder::class`

### 12. Admin Login Page Styling Update
**File:** `resources/views/admin/auth/login.blade.php`
- **Issue:** Admin login page had basic, unstyled form
- **Fix:** Updated to match user login page layout:
  - Added responsive Tailwind CSS styling with gray background and indigo buttons
  - Clear "Admin Login" labeling with appropriate description
  - Proper form fields with labels and error handling
  - Demo credentials section showing admin email
  - Maintained existing login logic and form action (`/admin/login`)

### 1. CSRF Token Fix
**File:** `app/Http/Kernel.php`
- **Issue:** CSRF tokens were failing due to middleware order
- **Fix:** Removed duplicate `VerifyCsrfToken` registration from global middleware so CSRF runs in the `web` middleware group after the session is started

### 2. Session Domain Configuration
**File:** `.env`
- **Issue:** Session cookies restricted to ngrok domain, causing CSRF mismatch on localhost
- **Fix:** Set `SESSION_DOMAIN=null` for local development

### 3. Admin Dashboard Controller Integration
**Files:** `routes/web.php`, `app/Http/Controllers/Admin/AdminDashboardController.php`
- **Issue:** Admin dashboard view was being rendered without controller-provided metrics
- **Fix:** Routed admin dashboard through `AdminDashboardController@show` and supplied totals, status counts, recent loans, and fine metrics

### 4. Database Query Corrections
**Files:** `app/Http/Controllers/Admin/AdminDashboardController.php`, `app/Http/Controllers/Admin/LoanController.php`
- **Issue:** SQL errors due to incorrect repayment column names
- **Fix:** Corrected queries to use `amount_paid` for payments and `balance`/`status='overdue'` for overdue totals

### 5. Loan Approval Service Method
**File:** `app/Services/LoanService.php`
- **Issue:** Missing `approveLoan` business logic
- **Fix:** Added `approveLoan(Loan $loan)` with validation and status transition logic

### 6. Admin Routes Expansion
**File:** `routes/web.php`
- **Issue:** Admin loan management routes were incomplete
- **Fix:** Added resource routes and named admin routes for:
  - `admin.loans.*`
  - `admin.tiers.*`
  - `admin.repayments.*`
  - extra loan action routes (approve, disburse, default, complete)

### 7. Fines Dashboard Support
**Files:** `app/Http/Controllers/Admin/AdminDashboardController.php`, `resources/views/admin/dashboard.blade.php`
- **Issue:** Admin dashboard lacked fine metrics and recent fines
- **Fix:** Added `fineCount`, `totalFineAmount`, and `recentFines` to dashboard controller and rendered them in the view

### 8. Currency Display Update
**Files:**
- `resources/views/admin/dashboard.blade.php`
- `resources/views/admin/loans/index.blade.php`
- `resources/views/admin/tiers/show.blade.php`
- `resources/views/admin/tiers/index.blade.php`
- `resources/views/admin/repayments/index.blade.php`
- `resources/views/admin/repayments/create-payment.blade.php`

- **Issue:** Currency display used compact prefix formatting without spacing
- **Fix:** Changed `₱` to `KSh` and updated admin view currency formatting to render a smaller `KSh` prefix with explicit spacing before amounts

### 9. Frontend Build System (Vite with Fallback)
**File:** `resources/views/layouts/admin.blade.php`
- **Issue:** Vite manifest missing caused fatal Blade errors in some cases
- **Fix:** Added conditional asset loading:
  - Use `@vite(['resources/css/app.css', 'resources/js/app.js'])` when `public/build/manifest.json` exists
  - Fallback to Tailwind CDN when the build manifest is unavailable

### 10. Navigation Cleanup
**File:** `resources/views/layouts/admin.blade.php`
- **Issue:** Broken `admin.fines.index` route link
- **Fix:** Commented out or removed the link until fines management is implemented

### 11. Test Data Seeder Implementation
**File:** `database/seeders/TestDataSeeder.php`
- **Issue:** Limited test data for admin views and analysis
- **Fix:** Created comprehensive seeder generating:
  - 4 loan tiers (Bronze, Silver, Gold, Platinum) with different ranges and rules
  - 15 users total (1 admin + 14 random users)
  - 1-3 loans per user with varied statuses (pending, approved, active, completed, defaulted)
  - Full repayment schedules for active loans with random payment progress
  - Fines for overdue repayments with calculated amounts
  - Payment transactions for completed repayments
- **Integration:** Updated `DatabaseSeeder.php` to call `TestDataSeeder::class`

### 12. Admin Login Page Styling Update
**File:** `resources/views/admin/auth/login.blade.php`
- **Issue:** Admin login page had basic, unstyled form
- **Fix:** Updated to match user login page layout:
  - Added responsive Tailwind CSS styling with gray background and indigo buttons
  - Clear "Admin Login" labeling with appropriate description
  - Proper form fields with labels and error handling
  - Demo credentials section showing admin email
  - Maintained existing login logic and form action (`/admin/login`)

## Files Modified
- `database/seeders/TestDataSeeder.php` (new)
- `database/seeders/DatabaseSeeder.php`
- `resources/views/admin/auth/login.blade.php`
- `app/Http/Kernel.php`
- `.env`
- `routes/web.php`
- `app/Http/Controllers/Admin/AdminDashboardController.php`
- `app/Http/Controllers/Admin/LoanController.php`
- `app/Services/LoanService.php`
- `resources/views/layouts/admin.blade.php`
- `resources/views/admin/dashboard.blade.php`
- `resources/views/admin/loans/index.blade.php`
- `resources/views/admin/tiers/show.blade.php`
- `resources/views/admin/tiers/index.blade.php`
- `resources/views/admin/repayments/index.blade.php`
- `resources/views/admin/repayments/create-payment.blade.php`

## Validation
- Test data seeder generates realistic loan scenarios with varied statuses and repayment progress
- Admin login page now has professional styling matching user interface
- Admin routes now resolve cleanly and use controller data
- Dashboard metrics include loans, disbursements, collected amounts, overdue totals, and fine summaries
- Repayment queries now use correct schema columns
- Currency formatting is updated to Kenyan shilling with proper spacing and smaller prefix styling
- Blade asset loading now degrades safely if Vite build manifest is missing

## Next Steps
- Implement `FineController` and fines management pages if required
- Add user dashboard routes and controller
- Validate loan lifecycle transitions and edge cases
- Add form validation and error feedback across loan and repayment forms
- Implement API endpoints for mobile app use cases

## Notes
- Laravel 12.56.0 with PHP 8.2.12
- Database: MySQL (lendcore)
- Session driver: database
- UI: Tailwind CSS (via Vite), Blade templates
- **Build Requirements:** Install Node.js and run `npm install && npm run dev` for asset compilation

✅ Phase 4 user portal implemented using the same direct Blade/controller file edits as the admin side.

Changes made:

web.php
wired user login routes to UserAuthController
added authenticated user routes for dashboard, loans, and repayments
UserMiddleware.php
corrected redirect to user login route
UserAuthController.php
added login/logout flow and guard validation
UserDashboardController.php
added dashboard, loan list, loan details, and repayment schedule actions
Created user views:
dashboard.blade.php
index.blade.php
show.blade.php
index.blade.php

## Phase 4 User Portal - Repayment Payments & Loan Applications

### ✅ Completed Features

#### 1. **Repayment Payment System**
- **Route**: `GET /repayments/{repayment}/pay` → show payment form
- **Route**: `POST /repayments/{repayment}/pay` → process payment
- **Controller Method**: `UserDashboardController::showPaymentForm()` - displays repayment details and payment form
- **Controller Method**: `UserDashboardController::processPayment()` - validates amount, records payment via RepaymentService, creates transaction
- **View**: `resources/views/user/repayments/pay.blade.php` - admin-style form with:
  - Repayment details (tier, due date, amounts)
  - Fine display if applicable
  - Amount input with max validation
  - Payment confirmation messaging

#### 2. **Loan Application System**
- **Route**: `GET /apply` → show application form
- **Route**: `POST /apply` → process application
- **Controller Method**: `UserDashboardController::applicationForm()` - displays all tiers and application form
- **Controller Method**: `UserDashboardController::submitApplication()` - validates tier and amount, creates loan via LoanService
- **View**: `resources/views/user/loans/apply.blade.php` - admin-style form with:
  - Tier selection dropdown
  - Loan amount input with min/max validation per tier
  - Live preview of loan details (interest rate, duration, weekly installment)
  - JavaScript preview calculator

#### 3. **Admin-Style UI Redesign**
Updated all user portal views with professional admin-like styling:

**Dashboard** (`resources/views/user/dashboard.blade.php`):
- 4-column metric cards with SVG icons (Active Loans, Outstanding Balance, Overdue Payments, Total Fines)
- Color-coded icon backgrounds (indigo, red, orange, yellow)
- Quick links section with navigation
- Loan status summary grid with status indicators
- Upcoming repayments table with "Pay Now" action buttons

**Loans List** (`resources/views/user/loans/index.blade.php`):
- Card-based layout with hover effects
- Status badges (green/yellow/blue/red)
- 4-column metric grid: Amount, Duration, Weekly Payment, Outstanding
- Payment progress bar with percentage
- View Details and Pay Now buttons

**Loan Details** (`resources/views/user/loans/show.blade.php`):
- Left panel: Loan summary with color-coded fee breakdown
- Top section: 4 metric cards (Total Due, Total Paid, Outstanding Balance, Completion Rate)
- Repayment progress indicators (Pending/Overdue/Paid counts)
- Full repayment schedule table with Pay actions

**Repayments List** (`resources/views/user/repayments/index.blade.php`):
- Professional table layout with hover highlights
- Status badges for each payment
- Fine amounts highlighted in red
- Pay button for pending/overdue payments
- Summary stats at bottom (Total Due, Total Paid, Outstanding Balance)

**Payment Form** (`resources/views/user/repayments/pay.blade.php`):
- Repayment details card
- Fine information display
- Amount input with maximum balance validation
- Process Payment button (green color)

**Application Form** (`resources/views/user/loans/apply.blade.php`):
- Tier selection with amount ranges
- Amount input with tier-based validation
- Live preview of loan details (interest rate, duration, weekly installment)
- JavaScript calculator that updates on selection/amount change
- Submit and cancel buttons

### 🎨 UI/UX Improvements

**Color Scheme** (Tailwind 4):
- Primary: Indigo (indigo-600 buttons, links)
- Success: Green (paid status, completed)
- Warning: Yellow (pending, review needed)
- Danger: Red (overdue, defaulted, fines)
- Info: Blue/Orange (informational alerts)
- Neutral: Gray (backgrounds, disabled states)

**Typography & Spacing**:
- Large readable headlines (text-3xl)
- Consistent padding and margins
- Font weights: medium for labels, bold for values
- Status badges with rounded corners (rounded-full)

**Interactive Elements**:
- Hover effects on cards and table rows
- Progress bars for payment tracking
- Color-coded metric cards with icons
- Action buttons clearly labeled

### 📝 Database Integration

**Services Used**:
- `LoanService::createLoan()` - creates new loan application (status='pending')
- `RepaymentService::recordPayment()` - processes payment and updates repayment status
- `TransactionService` - automatically records payment transactions

**Transaction Flow**:
1. User submits loan application
2. LoanService creates loan record in 'pending' status
3. Admin reviews and approves (Phase 3 admin route)
4. Admin disburses - repayment schedule generated
5. User can view and pay repayments
6. RepaymentService updates repayment status and creates transaction records

### 🔒 Authorization

- Authorization checks in all methods to prevent users accessing other users' data
- `abort_if($loan->user_id !== $request->user()->id, 403)` pattern used
- Routes protected with 'auth' and 'user' middleware

### 📱 Responsive Design

- All views use responsive grid layouts
- Mobile-first approach with md: and lg: breakpoints
- Tables have horizontal scroll on mobile
- Metric cards stack on small screens

### 🚀 Quick Navigation

Users can now:
1. **Dashboard**: Overview with quick links to all major functions
2. **Apply**: Submit new loan applications with tier selection
3. **My Loans**: View all loans with payment progress bars
4. **Loan Details**: See full repayment schedule with payment breakdown
5. **Repayments**: Complete payment schedule with quick pay actions
6. **Make Payment**: Record payment for any repayment with fine display

### Routes Added

```php
Route::middleware(['auth','user'])->group(function () {
    Route::get('/apply', [UserDashboardController::class, 'applicationForm'])->name('user.loans.apply');
    Route::post('/apply', [UserDashboardController::class, 'submitApplication'])->name('user.loans.apply.submit');
    Route::get('/repayments/{repayment}/pay', [UserDashboardController::class, 'showPaymentForm'])->name('user.repayments.pay');
    Route::post('/repayments/{repayment}/pay', [UserDashboardController::class, 'processPayment'])->name('user.repayments.pay.submit');
});
```

Update Completed
✅ User dashboard now uses the same styling resources as the admin dashboard.

What changed
Added user.blade.php

Uses the same @vite(['resources/css/app.css','resources/js/app.js']) head setup
Uses the same Tailwind fallback loader (https://cdn.tailwindcss.com) as layouts.admin
Provides a clean user header/nav wrapper for dashboard pages
Updated dashboard.blade.php

Switched from @extends('layouts.app') to @extends('layouts.user')
Added header/subheader sections consistent with admin-style layout
Removed the previous full-page wrapper so content uses the new shared styling structure
Updated app.blade.php

Aligned its Tailwind fallback loading with the admin layout for consistent styling resources
Validation
PHP syntax check passed for:
user.blade.php
dashboard.blade.php
app.blade.php

### Next Steps (Phase 5)

1. Mobile app integration with API endpoints
2. SMS/Email notifications for payment reminders
3. Automated fine calculation and notification
4. Advanced reporting and analytics
5. Payment history and receipts
6. Loan guarantor/co-borrower support


Reviewing phase guidance and current API routing so I can implement Phase 5 correctly.

I found the base API route and phase docs. Next I’m checking existing controllers and service coverage so Phase 5 API endpoints align with current application logic.

I found the Sanctum setup and a minimal login API. Now I’m locating current controller/service patterns and API-related phase requirements.

Reading current controller and service code to implement API endpoints cleanly.

I’ve identified the API surface and a small User model bug. Next I’m adding the mobile API controllers and route group, plus improving repayment payment handling for fine-aware payments.

I’ve added API controllers. Now I’m wiring routes and improving payment logic so API requests handle overdue fines correctly.

The API route file edit partially succeeded; I’m checking the exact api.php contents and will patch it precisely.

I’ve wired the API and fixed the payment logic. I’m validating the modified files now.

Checked api.php, User.php, RepaymentService.php, AuthController.php, TierController.php, LoanController.php, RepaymentController.php, no problems found

Validating the new API routes in Laravel now.

I found one runtime dependency to fix in RepaymentService. Patching the service import now.

Edited
RepaymentService.php+1-0
Checked RepaymentService.php, no problems found






###  Phase 6
Phase 6 implemented
What changed
AdminDashboardController.php

Added dashboard filtering by:
date range
loan status
loan tier
Added analytics computation for:
filtered total loans
total disbursed
total collected
overdue amount
fine count and fine total
loan status distribution
daily disbursement and collection trend data
Added tier list support for the filter dropdown
dashboard.blade.php

Added dashboard filter panel
Added trend charts using Chart.js CDN:
disbursement vs collection line chart
loan status doughnut chart
Updated metrics cards to reflect selected filters
Kept recent loans and recent fines sections
admin.blade.php

Updated the Analytics sidebar link to point to admin.dashboard
Validation
Ran syntax check on AdminDashboardController.php
Result: No syntax errors detected
Notes
No additional npm or composer packages were added; charts are loaded via CDN.
The admin dashboard is now a full reporting page with metrics, charts, and filters.
