Individual fraud check

{
  "first_name": "John",
  "last_name": "Doe",
  "date_of_birth": "1980-01-01",
  "gender": "male",
  "country": "Nigeria",
  "current_address": "12 Ojuelegba St",
  "duration_of_stay": "5 years",
  "identification_type": "Passport",
  "identification_number": "A123456789",
  "bvn": "12345678901",
  "phone_number": "+2349105678901",
  "email_address": "john.doe@example.com",
  "employment_type": "Full-time",
  "job_role": "Engineer",
  "employer_name": "Smartcomply",
  "employer_address": "47 Karimu Ikotun Cl, Yaba, Lagos",
  "annual_income": 350000,
  "employment_duration": "2 years",
  "bank_name": "Access Bank",
  "account_number": "9877493213",
  "account_name": "John Doe",
  "loan_amount_requested": 100000,
  "purpose_of_loan": "Personal Development",
  "loan_repayment_duration_type": "weeks",
  "loan_repayment_duration_value": 7,
  "collateral_required": false,
  "is_individual": true,
  "run_aml_check": true,
}

{
  "status": "success",
  "data": {
    "id": 101,
    "first_name": "John",
    "last_name": "Doe",
    "other_name": "",
    "business_name": null,
    "date_of_birth": "1980-01-01",
    "gender": "male",
    "country": "Nigeria",
    "city": "Lagos",
    "current_address": "12 Ojuelegba St",
    "duration_of_stay": "5 years",
    "business_address": null,
    "identification_type": "Passport",
    "identification_number": "A123456789",
    "bvn": "12345678901",
    "phone_number": "+2349105678901",
    "email_address": "john.doe@example.com",
    "employment_type": "Full-time",
    "job_role": "Engineer",
    "employer_name": "Smartcomply",
    "employer_address": "47 Karimu Ikotun Cl, Yaba, Lagos",
    "annual_income": "60000.00",
    "annual_revenue": null,
    "employment_duration": "2 years",
    "bank_name": "Access Bank",
    "account_number": "9877493213",
    "account_name": "John Doe",
    "loan_amount_requested": "15000.00",
    "purpose_of_loan": "Business Expansion",
    "collateral_required": false,
    "collateral": null,
    "collateral_value": null,
    "proof_of_identity": null,
    "proof_of_address": null,
    "proof_of_income": null,
    "business_plan": null,
    "financial_statement": null,
    "fraud_risk_score": 80,
    "recommendation": "The applicant, John Doe, has applied for a loan of ₦100,000.00.   The applicant's total fraud risk score is 80, which is relatively high and warrants further investigation before loan approval.",
    "key_financial_analysis": {
      "income_stability": {
        "risk_score": 100,
        "data_source": "submitted data (estimated)",
        "observation": "The applicant's disposable income is ₦5,833.33 per month.\n \nThe disposable ratio, at 20%, indicates that the applicant has a relatively small buffer between income and expenses based on submitted data.\n \nReliance on estimated data introduces uncertainty regarding the true stability of the applicant's income.",
        "monthly_income": "29166.67",
        "monthly_expenses": "23333.33",
        "disposable_income": "5833.33"
      },
      "repayment_duration": {
        "risk_score": 70,
        "observation": "The loan repayment duration is 7 weeks, equivalent to approximately 1.75 months.",
        "repayment_duration": "Within 1.75 months"
      },
      "collateral_coverage": {
        "risk_score": 80,
        "loan_amount": "100000.00",
        "observation": "The collateral value is ₦0, while the loan amount is ₦100,000.00.   The loan is entirely unsecured, as the collateral value provides no coverage for the loan amount.",
        "collateral_value": "0.00",
        "loan_to_collateral_ratio": "0.00%"
      },
      "debt_serviceability": {
        "risk_score": 60,
        "loan_amount": "100000.00",
        "observation": "The monthly repayment of ₦59,428.57 significantly exceeds the monthly income of ₦29,166.67.\n  The debt-to-income ratio is approximately 2.04, indicating that the applicant's debt obligations are more than twice their income.\n  Based on the data, the applicant's income is insufficient to cover the loan repayment amount.\n  The loan is likely not serviceable given the current income and repayment schedule.",
        "total_repayment": "104000.0000"
      },
      "debt_to_income_ratio": {
        "risk_score": 90,
        "observation": "The Debt Service Ratio of 203.76% significantly exceeds the threshold of 40%, indicating that the applicant's debt obligations are substantially higher than their income.",
        "debt_service_ratio": "203.76%"
      }
    },
    "history": {
      "totalNoOfLoans": 16,
      "totalNoOfInstitutions": 5,
      "totalNoOfActiveLoans": 1,
      "totalNoOfClosedLoans": 15,
      "totalNoOfPerformingLoans": 16,
      "totalNoOfDelinquentFacilities": 0,
      "highestLoanAmount": 1134330,
      "totalMonthlyInstallment": 0,
      "totalBorrowed": 3761267,
      "totalOutstanding": 0,
      "totalOverdue": 0,
    },
    "is_api": false,
    "is_individual": true,
    "is_business": false,
    "status": "reviewed",
    "run_aml_check": false,
    "date_created": "2025-03-28T03:08:47.170109Z",
    "date_updated": "2025-03-28T03:09:06.690763Z",
    "branch": 5,
    "aml_data": null,
    "credit_report_data": null
  },
  "message": "Loan fraud check processed successfully"
}