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Documentation Index

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The Credit Management module is the core of CashMan H.A.’s lending operations. It handles every stage of a credit request — from the initial customer application through dual-level institutional review (Management and Presidency), contract signing, monthly installment generation, payment processing, and final archiving once the obligation is fulfilled or cancelled. All database interactions are performed exclusively through stored procedures; no raw SQL is written in the application layer.

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Credit Types

CashMan H.A. offers three credit products. Each product defines its own interest rate range, financing limits, and eligible client types.

Personal Loans (Personales)

Available for Asalariado (salaried), Independiente (self-employed), and Jubilado (retired) clients.
  • Interest rate: 3%–20% monthly
  • Max financing: $10,000 (salaried/retired) · $15,000 (self-employed)
  • Max term: 120 months

Mortgage Loans (Hipotecarios)

Available for Asalariado and Independiente clients.
  • Interest rate: 1.05%–12% monthly
  • Financing: $30,000–$3,000,000 (up to 90% of property value)
  • Max term: 20 years

Vehicle Loans (Vehiculos)

Available for Asalariado and Independiente clients.
  • Interest rate: 10%–60% monthly
  • Max financing: $100,000 (salaried) · $200,000 (self-employed)
  • Max term: 90 months
  • Includes GPS service fee added to monthly installment

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Credit Lifecycle

Every credit request passes through a strict sequential workflow before funds are disbursed and installments begin.
1

Application — Customer Service Staff

A Customer Service employee (Role 4) registers a new credit assignment on behalf of the client. The model method RegistroNuevaAsignacionesCreditosClientes() calls the stored procedure IngresoSolicitudNuevosPrestamosClientes_NuevasAsignaciones.The record includes the client type (Asalariado, Independiente, or Jubilado), requested financing amount, desired term, salary information, and personal/work references. The initial progreso_solicitud is set to 0.
// Controller excerpt — Customer Service submits new credit request
$objGestiones->setTipoClienteCreditos($_POST['tipocliente']);
$objGestiones->setMontoFinanciamientoCreditos($_POST['montofinanciamiento']);
$objGestiones->setTiempoPlazoCreditos($_POST['plazo']);
$resultado = $objGestiones->RegistroNuevaAsignacionesCreditosClientes();
2

First Review — Gerencia (Management)

Management (Role 3) reviews the application and records observations. The method ActualizacionPrimeraRevisionNuevaAsignacionesCreditosClientes() calls SP ActualizacionDatosNuevasSolicitudesCreditos_PrimeraRevision.At this stage, Management can:
  • Approve the application for forwarding to Presidency
  • Deny the application outright
  • Flag for restructuring (reestructuracion)
The progreso_solicitud field advances, and ObservacionesGerencia is populated.
3

Second Review — Presidencia (Presidency)

Presidency (Role 2) issues the final institutional decision via ActualizacionSegundaRevisionNuevaAsignacionesCreditosClientes(), which calls SP ActualizacionRevisionFinalPresidencia_SolicitudCreditoClientes.Only after Presidency approval does the credit status transition to aprobado and the progreso_solicitud reach 100. The ObservacionesPresidencia field is recorded for audit purposes.
4

Contract & Installment Generation

Once approved, Customer Service generates the monthly installment schedule. The method RegistroAsignacionCuotasMensualesClientes() calls SP RegistrarCuotasMensualesNuevosCreditosClientes, which creates one installment record per month for the agreed term.Simultaneously, a signed contract copy is generated as a PDF (using the FPDF library) and saved. The contract path is stored via RegistroCopiaContratoFinalClientes() — SP RegistroCopiaContratoClientesFinal.
// Storing the contract copy file path
$objGestiones->setNombreCopiaContratosSuscritosCreditosClientes($nombreArchivo);
$resultado = $objGestiones->RegistroCopiaContratoFinalClientes();
5

Payment Processing — Orden de Pago

Clients pay monthly installments through Customer Service. The method PagosCuotasClientes_TransaccionesCreditos() calls SP RegistroPagoCuotasCreditosClientes_OrdenPagosCashManHa.After each successful payment, the database trigger CambioEstadoCuotas_OrdenPagoCreditosClientes automatically updates the installment record to estadocuota = 'cancelado'. The progreso_pagocredito field (0–100 tinyint) advances proportionally with each paid installment.
6

Archiving — Historic Records

When a credit is completed or cancelled, it is moved to the historic tables:
  • Credit record: EnvioSolicitudesCreditosAlHistoricoCreditos() — SP EnvioHistoricoSolicitudesCreditos → writes to historicocreditos
  • Installment records: RegistroAsignacionCuotasMensualesClientesHistorico() → writes to historicocuotascreditos
Archived records remain accessible to clients and staff for statement and receipt generation.

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Credit Status Values

The estado_actual column on the creditos table tracks where a request stands at any given point.
StatusMeaning
en procesoApplication received; under review by Gerencia or Presidencia
aprobadoPresidency has approved; installments generated
denegadoDenied by Gerencia or Presidencia
canceladoCredit fully repaid or manually cancelled
reestructuracionFlagged by Gerencia for balance adjustment before continuation

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Progress Fields

Two tinyint(3) columns (range 0–100) provide a visual progress indicator in the UI:
FieldTracks
progreso_solicitudAdvances as the application moves through each review stage (0 → 100)
progreso_pagocreditoAdvances as monthly installments are paid (0 → 100)

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Key Model Methods

MethodStored ProcedurePurpose
ConsultaGeneralCreditosAprobadosActivos()ConsultaListadoGeneralCreditosAprobados_EnCursoList all active approved credits
ConsultaGeneralCreditosDenegadosClientes()ConsultaGeneralSolicitudesCreditosDenegadasClientesList denied requests
ConsultaClientesMorososCuotas()ConsultaGeneralListadoGeneralCuotasClientesMorososDelinquent clients with overdue installments
RegistroCopiaContratoFinalClientes()RegistroCopiaContratoClientesFinalSave the signed contract copy path
ActualizacionSaldoCreditosClientes_Reestructuracion()ActualizacionSaldoCreditosClientes_ReestructuracionSolicitudesUpdate outstanding balance for restructured credits

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Credit Restructuring

Credits flagged with status reestructuracion by Gerencia can have their remaining balance adjusted. Management calls ActualizacionSaldoCreditosClientes_Reestructuracion() to update the saldo_actual field, then the review workflow continues normally toward a final Presidency decision.
PDF Contract Generation: Contract copies are automatically generated using the FPDF library, with a separate template for each credit product (Personal, Mortgage, Vehicle). Generated PDF files are stored on the server under vista/copiacontratosclientes/. Clients and staff can download these documents at any time from the credit detail view.

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