---
# System prepended metadata

title: Consumer Loans Technical Analysis

---

# Consumer Loans Technical Analysis

Aiming to be the basis for all loan product workflows, this analysis is technically prepared to reveal business processes, user interfaces, integration points and data design.

## Definitions

**State Machine:** It is a structure in software or a system that represents the states of an object and the transitions between those states. Each state represents a behavior or condition in the system.

**State:** It is a label or identifier that represents a specific state in a state machine. Each state represents a feature or behavior in the system, and the system can be in a particular state.

**Transition:** It is an operation that represents the transition from one state to another in a state machine. Transitions can be triggered based on an event or condition that occurs in a specific state.

**Atomic:** It refers to a unit that is an indivisible and uninterrupted part of an operation or task. Atomic operations are often used in parallel or concurrent programming.

**Flowchart:** It is a diagram that graphically represents the steps of a process or procedure and the relationships between those steps. Flowcharts are used to understand and analyze the logical flow of a program or process.

**Workflow:** It is a series of processes where one or more procedural steps are performed in a specific sequence to complete a task. A workflow illustrates how a specific task or job is to be carried out and the order in which steps are to be followed.

**Form:** It is an interface used to collect information from users or to perform a specific task. A form typically contains components such as text boxes, checkboxes, radio buttons, and buttons, and users enter or select data using these components.

**Page:** It is a web page that a user can access in a web-based application or website. A page represents a specific content or functionality and may include components with which the user can interact.

## Naming Convention

### Variables 



| Variable      | Description                    | Name Convention                                 | Sample                                      |
| ------------- | ------------------------------ | ----------------------------------------------- | ------------------------------------------- |
| workflow      | Uniques Workflow name          |                                                 | bbk-retail-loan-consumer                    |
| state         | State in workflow              | [workflow]-[state]                              | bbk-retail-loan-consumer-start              |
| transiton     | Transition(s) of state         | [workflow]-[state]-[transition]                 | bbk-retail-loan-consumer-start-init         |
| form          | Input forms of transition      | form-[workflow]-[state]-[transition]-[language] | form-bbk-retail-loan-consumer-start-init-en |
| zeebe-flow    | Zeebe process name             | wf-[workflow]-[state]-[transition]              | wf-bbk-retail-loan-consumer-start-init                                             |
| zeebe-message | Zeebe initalizing message name | msg-[workflow]-[state]-[transition]             | msg-bbk-retail-loan-consumer-start-init                                             |




## State Machine 

CRO : Client Relationship Officer
BM : Branch Manager
CVU : Central Verification Unit
RC : Retail Credit
AGMA : Retail Credit AGM
SGMA : Retail Credit SGM
LS : Loan Supervisor
CQIT : Central Quality Improvement Team


## Process Shema

```plantuml

@startuml

Start --> Draft : Apply

Draft --> Draft: Add Financial Guarantor
Draft --> Draft : Add Non-Financial Guarantor
Draft --> Draft : Delete Guarantor
Draft --> Draft : Cancel Application
Draft --> Draft : Generate CI-NET Consent

Draft --> CRO : Submit to Cinet Reader
CRO --> CRO : Process CI-NET

CRO --> CRO : Additional Information
CRO --> CRO : Limit Assessment
CRO --> CRO : Loan Calculate
CRO --> CRO : Cancel Application


CRO --> BM : Send for Approval

BM --> BM : Reject 
BM --> CRO_Contract : Approve Contract
CRO_Contract --> CRO_Contract : Contract process
CRO_Contract --> CVU : Send to central verification team
CVU --> CRO : Send back to CRO
CVU --> RC : Approve
RC --> RC : Reject
RC --> CRO : Send back to CRO
RC --> AGMA: Send AGM Approval
RC --> SGMA: Send SGM Approval
AGMA --> AGMA : Reject
AGMA --> CRO : Send back to CRO
AGMA --> SGMA : Send SGM Approval
AGMA --> LS : Approve
SGMA --> SGMA : Reject
SGMA --> AGMA : Return
SGMA --> CRO : Send back to CRO
SGMA --> LS : Approve
RC --> LS : Approve
LS --> LS : Generate the Loan Instruction sheet
LS --> CQIT : Loan Disbursed
CQIT --> CQIT : observation of documents
CQIT --> Finish : Completed

@enduml

```


## Process Steps

**1. Application:** The customer applies for a loan. At this point, the application is in 'Draft' status. The client can add or remove financial or non-financial guarantors, create the CI-NET endorsement or cancel the application.

**2. CRO Process:** When the application is forwarded to the Customer Relations Officer (CRO), the CRO processes the CI-NET information and requests any additional information. It also evaluates the customer's credit limit and makes the loan calculation. At this stage, the application can still be canceled.

**3. BM Approval:** The CRO sends the application to the Branch Manager (BM) for approval. The UN may reject or approve the application. If approved, the application advances to 'CRO_Contract' (CRO_Contract).

**4. Contract Process:** The CRO processes the loan agreement and sends the application to the Central Verification Unit (CVU).

**5. CVU and RC Process:** CVU approves, rejects or returns the application to the CRO. Once the application is approved, the status advances to Retail Credit (RC).

**6. RC, AGMA and SGMA Process:** RC can reject the application, advance it to AGM approval (AGMA) or SGM approval (SGMA). In the AGMA and SGMA stages, the application can be approved, rejected or returned to the previous state.

**7. LS and CQIT Process:** Once approved, the application advances to Loan Manager (LS) status. LS creates the credit instruction form and sends the credit to the Central Quality Improvement Team (CQIT).

**8. Credit Distribution and Termination:** CQIT handles documentation review and credit distribution. When these processes are completed, the application becomes 'Finish' and the process ends.

## CI-NET Service Call

#### Cinet Request

```xml!
<REQUEST REQUEST_ID="1"><REQUEST_PARAMETERS><INQUIRY_PURPOSE CODE="2" RELATIONTOACCOUNT="01"/><LOANDETAILS PORTFOLIOTYPE="02" AMOUNTOFFINANCE="0" DURATIONOFAGREEMENT="0" DURATIONUNIT="2" PAYMENTAMOUNT="0" CREDITLIMIT="0" PAYMENTFREQUENCY="01" OCCUPATION="01" OTHERINCOME="0" MONTHLYSALARY="0" CULTURE_INFO="en-US" RESPONSE_TYPE="1"/><REPORT_PARAMETERS CIR_TYPE="14716"/></REQUEST_PARAMETERS><SEARCH_PARAMETERS><IDENTIFIER><CIVILID>273070700663</CIVILID></IDENTIFIER></SEARCH_PARAMETERS></REQUEST>
```
**<INQUIRY_PURPOSE CODE="2" RELATIONTOACCOUNT="01"/>:** This part represents the purpose of the inquiry and the relation to the account in the credit application process. The CODE="2" value likely indicates a credit application, while the RELATIONTOACCOUNT="01" value suggests that the application is related to the account holder.

**<LOANDETAILS PORTFOLIOTYPE="02" AMOUNTOFFINANCE="0" DURATIONOFAGREEMENT="0" DURATIONUNIT="2" PAYMENTAMOUNT="0" CREDITLIMIT="0" PAYMENTFREQUENCY="01" OCCUPATION="01" OTHERINCOME="0" MONTHLYSALARY="0" CULTURE_INFO="en-US" RESPONSE_TYPE="1"/>:** This section represents the loan details and the financial status of the applicant. Here's an explanation of the parameters:

**PORTFOLIOTYPE="02":** It represents the type of loan portfolio. The value 02 may indicate a specific portfolio type.
**AMOUNTOFFINANCE="0":** It indicates the amount of finance for the loan. Here, the value 0 suggests that the loan amount is not specified.
**DURATIONOFAGREEMENT="0" and DURATIONUNIT="2":** These parameters represent the duration of the loan agreement and the unit of duration. The values 0 indicate that the duration is not specified, and when DURATIONUNIT="2", the duration is likely expressed in months.
**PAYMENTAMOUNT="0":** It represents the payment amount. Here, the value 0 suggests that the payment amount is not specified.
**CREDITLIMIT="0":** It represents the credit limit. The value 0 suggests that the credit limit is not specified.
**PAYMENTFREQUENCY="01":** It represents the payment frequency. The value 01 likely indicates monthly payments.
**OCCUPATION="01":** It represents the occupation of the applicant. The value 01 may indicate a specific occupation.
**OTHERINCOME="0":** It represents other income. The value 0 suggests that other income is not specified.
MONTHLYSALARY="0": It represents the monthly salary. The value 0 suggests that the monthly salary is not specified.
**CULTURE_INFO="en-US" RESPONSE_TYPE="1":** These parameters specify the language (en-US) and the response type (1) of the request.
**<REPORT_PARAMETERS CIR_TYPE="14716"/>:** This part represents the report parameters. The value CIR_TYPE="14716" likely indicates the type of credit information report.

**<SEARCH_PARAMETERS><IDENTIFIER><CIVILID>273070700663</CIVILID></IDENTIFIER></SEARCH_PARAMETERS>:** This section represents the search parameters. Here, the civil ID (CIVILID) 273070700663 is specified for the search.

In summary, using the provided request parameters in the credit application process, creditworthiness checks, such as identity verification, financial assessment, and obtaining a credit information report, can be performed.

#### Cinet Response

```xml!
<LiveResponse>
	<Warnings/>
	<DATAPACKET>
		<ReportDetails>
			<ReportDetail>
				<USERID>BB000xxx</USERID>
				<BRANCH>Hawalli Branch</BRANCH>
				<CIRNO>W-0015992249/2023</CIRNO>
				<REPORTORDERDT>10-05-2023 12:12:10</REPORTORDERDT>
				<INSTNAME>Burgan Bank</INSTNAME>
				<TRANSACTION_NUMBER>9770835</TRANSACTION_NUMBER>
			</ReportDetail>
		</ReportDetails>
		<Cinet_SearchDetails>
			<Cinet_SearchDetails>
				<ENGLISHNAME>xxxxxxxxxxxxxxx</ENGLISHNAME>
				<ARABIC_NAME>???? ???? ???? ??????</ARABIC_NAME>
				<IDENTIFIERTYPE>Civil ID</IDENTIFIERTYPE>
				<IDENTIFIERNO>2xxxxxxx3</IDENTIFIERNO>
			</Cinet_SearchDetails>
		</Cinet_SearchDetails>
		<ApplicationDtls />
		<ConsumerDetails>
			<ConsumerDetails>
				<ENGLISHNAME>xxxxxxxxxxxxxx</ENGLISHNAME>
				<ARABICNAME>???? ???? ???? ??????</ARABICNAME>
				<NATIONALITY>Kuwait</NATIONALITY>
				<GENDER>Male</GENDER>
				<DOB>07-07-1973</DOB>
				<STATUSOFCIVILID>Civil ID is registered for an active person</STATUSOFCIVILID>
				<IDENTIFIERNO>273070700663</IDENTIFIERNO>
				<HISTORICALSALARY>2192</HISTORICALSALARY>
				<REPORTEDDATE_INC>16-05-2022</REPORTEDDATE_INC>
				<HISTORICALINCOME>0</HISTORICALINCOME>
				<ADDRESS>??????                              1                                   ???? 6                              ???? 16</ADDRESS>
			</ConsumerDetails>
		</ConsumerDetails>
		<Cinet_Warnings />
		<Cinet_GovtFundedLoan>
			<Cinet_GovtFundedLoan>
				<GOVTFUNDLOAN>NO</GOVTFUNDLOAN>
				<ISGVTLNINDICATOR>0</ISGVTLNINDICATOR>
				<GOVTFUNDLOANAPPLY>NO</GOVTFUNDLOANAPPLY>
				<ISGVTLNAPPLIEDINDICATOR>0</ISGVTLNAPPLIEDINDICATOR>
				<LEGALINDICATOR>NO</LEGALINDICATOR>
				<ISLEGALINDICATOR>0</ISLEGALINDICATOR>
				<WRITEOFF>NO</WRITEOFF>
				<ISWRITEOFFINDICATOR>0</ISWRITEOFFINDICATOR>
				<FAMILYFUNDLOANINDICATOR>YES</FAMILYFUNDLOANINDICATOR>
				<ISFAMILYFUNDLOAN>1</ISFAMILYFUNDLOAN>
				<FAMILYFUNDLOANAPPLIED>NO</FAMILYFUNDLOANAPPLIED>
				<ISFAMILYFUNDAPPLIED>0</ISFAMILYFUNDAPPLIED>
				<ISFRAUDLEGALCASE>0</ISFRAUDLEGALCASE>
				<DOCUPLOADPENDING>NO</DOCUPLOADPENDING>
				<DOCUPLOADINDICATOR>0</DOCUPLOADINDICATOR>
				<ACTIVE_DISPUTE>NO</ACTIVE_DISPUTE>
				<ISACTIVE_DISPUTE>0</ISACTIVE_DISPUTE>
			</Cinet_GovtFundedLoan>
		</Cinet_GovtFundedLoan>
		<CreditProfileOverview>
			<CreditProfileOverview>
				<WORSTSTSACTIVAC_VALUE>Up to date current</WORSTSTSACTIVAC_VALUE>
				<WORSTSTSACTIVAC_RPTDT>05-2023</WORSTSTSACTIVAC_RPTDT>
				<WORSTORYHSTSTS_VALUE>Arrears</WORSTORYHSTSTS_VALUE>
				<WORSTORYHSTSTS_RPTDT>01-2019</WORSTORYHSTSTS_RPTDT>
				<WORSTHSTNMBRPMNT_VALUE>2</WORSTHSTNMBRPMNT_VALUE>
				<WORSTHSTNMBRPMNT_RPTDT>01-2019</WORSTHSTNMBRPMNT_RPTDT>
				<MAXNBROVRDUE_VALUE>60</MAXNBROVRDUE_VALUE>
				<MAXNBROVRDUE_RPTDT>06-2021</MAXNBROVRDUE_RPTDT>
				<MAXNBRPYMNTOVRDUE_VALUE>2</MAXNBRPYMNTOVRDUE_VALUE>
				<MAXNBRPYMNTOVRDUE_RPTDT>06-2021</MAXNBRPYMNTOVRDUE_RPTDT>
				<TOTLOVRDUEAMNT_VALUE>0</TOTLOVRDUEAMNT_VALUE>
				<TOTLOVRDUEAMNT_RPTDT>-</TOTLOVRDUEAMNT_RPTDT>
				<TOTWRTAMNT_VALUE>0</TOTWRTAMNT_VALUE>
				<TOTWRTAMNT_RPTDT>-</TOTWRTAMNT_RPTDT>
				<NMBROFCF_VALUE>8</NMBROFCF_VALUE>
				<NMBROFCF_RPTDT>04-2023</NMBROFCF_RPTDT>
				<NMBROFCFCLOSED_VALUE>25</NMBROFCFCLOSED_VALUE>
				<NMBROFCFCLOSED_RPTDT>05-2023</NMBROFCFCLOSED_RPTDT>
				<NMBROFGTOPENCF_VALUE>0</NMBROFGTOPENCF_VALUE>
				<NMBROFGTOPENCF_RPTDT>-</NMBROFGTOPENCF_RPTDT>
				<NMBROFGTCLSDCF_VALUE>2</NMBROFGTCLSDCF_VALUE>
				<NMBROFGTCLSDCF_RPTDT>12-2011</NMBROFGTCLSDCF_RPTDT>
				<NMBRINQLST1MNTH_VALUE>0</NMBRINQLST1MNTH_VALUE>
				<NMBRINQLST1MNTH_RPTDT>-</NMBRINQLST1MNTH_RPTDT>
				<NMBRINQLST3MNTH_VALUE>0</NMBRINQLST3MNTH_VALUE>
				<NMBRINQLST3MNTH_RPTDT>-</NMBRINQLST3MNTH_RPTDT>
				<NMBRINQLST12MNTH_VALUE>2</NMBRINQLST12MNTH_VALUE>
				<NMBRINQLST12MNTH_RPTDT>07-2022</NMBRINQLST12MNTH_RPTDT>
				<NMBRCRDAPPPROCESS_VALUE>0</NMBRCRDAPPPROCESS_VALUE>
				<NMBRCRDAPPPROCESS_RPTDT>-</NMBRCRDAPPPROCESS_RPTDT>
				<MAXCRDUTIL24MNTH_VALUE>  104.00</MAXCRDUTIL24MNTH_VALUE>
				<MAXCRDUTIL24MNTH_RPTDT>05-2023</MAXCRDUTIL24MNTH_RPTDT>
				<MAXNMBRCFOVRDUE_VALUE>0</MAXNMBRCFOVRDUE_VALUE>
				<MAXNMBRCFOVRDUE_RPTDT>-</MAXNMBRCFOVRDUE_RPTDT>
				<UTLCRNTDBTRATIO_VALUE>  104.00</UTLCRNTDBTRATIO_VALUE>
				<UTLCRNTDBTRATIO_RPTDT>04-2023</UTLCRNTDBTRATIO_RPTDT>
				<OPEN_CF_IN_COMM_PORTFOLIO>NO</OPEN_CF_IN_COMM_PORTFOLIO>
				<COMM_REPORTED_DT>-</COMM_REPORTED_DT>
			</CreditProfileOverview>
		</CreditProfileOverview>
		<Cinet_LiabilitySummary>
			<Cinet_LiabilitySummary>
				<TTLLIABILITYAMNT>64552</TTLLIABILITYAMNT>
				<AMNTAPPLIEDFOR>0</AMNTAPPLIEDFOR>
				<TTLLIABILITYINCPROPOSED>64552</TTLLIABILITYINCPROPOSED>
				<TTLLIAAPPROVANDPROPOSED>64552</TTLLIAAPPROVANDPROPOSED>
				<TTLINCLUDEALL>64552</TTLINCLUDEALL>
				<TTLCONTINGENT>0</TTLCONTINGENT>
				<TTL_CURRENT_INSTALLMENT>740</TTL_CURRENT_INSTALLMENT>
				<TTL_INST_INC_PRPSD_ACNT>740</TTL_INST_INC_PRPSD_ACNT>
				<TTL_CT_INST_INCL_APRVD_CRD>740</TTL_CT_INST_INCL_APRVD_CRD>
				<TTL_INST_INC_APRV_CRD_APP>740</TTL_INST_INC_APRV_CRD_APP>
				<TTLAPRDCRTAPP>0</TTLAPRDCRTAPP>
			</Cinet_LiabilitySummary>
		</Cinet_LiabilitySummary>
		<CreditProfileSummeryGraph>
			<CreditProfileSummeryGraph>
				<MONTH>Jun-21</MONTH>
				<INSTALLMENT_AMOUNT>261</INSTALLMENT_AMOUNT>
				<OVERDUE_AMOUNT>0</OVERDUE_AMOUNT>
			</CreditProfileSummeryGraph>
			<CreditProfileSummeryGraph>
				<MONTH>Jul-21</MONTH>
				<INSTALLMENT_AMOUNT>134</INSTALLMENT_AMOUNT>
				<OVERDUE_AMOUNT>0</OVERDUE_AMOUNT>
			</CreditProfileSummeryGraph>
		</CreditProfileSummeryGraph>
		<AssetClassificationGraph>
			<AssetClassificationGraph>
				<PASSLOAN>2</PASSLOAN>
				<RESTRUCTUREDLOAN>0</RESTRUCTUREDLOAN>
				<SUBSTANDARD>0</SUBSTANDARD>
				<DOUBTFULLOAN>0</DOUBTFULLOAN>
				<LOSSLOAN>0</LOSSLOAN>
				<DISPAYDATE>Jun-21</DISPAYDATE>
			</AssetClassificationGraph>
			<AssetClassificationGraph>
				<PASSLOAN>2</PASSLOAN>
				<RESTRUCTUREDLOAN>0</RESTRUCTUREDLOAN>
				<SUBSTANDARD>0</SUBSTANDARD>
				<DOUBTFULLOAN>0</DOUBTFULLOAN>
				<LOSSLOAN>0</LOSSLOAN>
				<DISPAYDATE>Jul-21</DISPAYDATE>
			</AssetClassificationGraph>
		</AssetClassificationGraph>
		<Cinet_AccountClassification>
			<Cinet_AccountClassification>
				<INSTITUTIONTYPE>Local Bank</INSTITUTIONTYPE>
				<NOOFACCOUNTS>8</NOOFACCOUNTS>
				<SANCTIONEDAMOUNT>104412</SANCTIONEDAMOUNT>
				<TOTALOUTSTANDINGBALANCE>64552</TOTALOUTSTANDINGBALANCE>
				<RECENTOVERDUE>0</RECENTOVERDUE>
				<RECENTOVERDUEDATE>-</RECENTOVERDUEDATE>
				<HIGHEST_OVERDUE_AMOUNT>0</HIGHEST_OVERDUE_AMOUNT>
				<HIGHEST_OVERDUE_DATE>30-04-2023</HIGHEST_OVERDUE_DATE>
				<OVERDUEBALANCE>0</OVERDUEBALANCE>
				<UTILIZATION>104</UTILIZATION>
				<TOTALOUTSTANDINGBALANCEPERC>0</TOTALOUTSTANDINGBALANCEPERC>
				<LEGALACTIONTAKEN>N</LEGALACTIONTAKEN>
			</Cinet_AccountClassification>
		</Cinet_AccountClassification>
		<Cinet_TotalLiabilitySummary>
			<Cinet_TotalLiabilitySummary>
				<TTLBALOUTSTND>64552</TTLBALOUTSTND>
				<TTLNMBRINST>1</TTLNMBRINST>
				<TTLNMBRFACI>8</TTLNMBRFACI>
				<TTLNMBRBAL>0</TTLNMBRBAL>
				<OVRDUE30>0</OVRDUE30>
				<OVRDUE60>0</OVRDUE60>
				<OVRDUE90>0</OVRDUE90>
				<OVRDUE120>0</OVRDUE120>
				<OVRDUE150>0</OVRDUE150>
				<OVRDUE180>0</OVRDUE180>
				<OVRDUE180P>0</OVRDUE180P>
			</Cinet_TotalLiabilitySummary>
		</Cinet_TotalLiabilitySummary>
		<Cinet_OverdueHistoryGraph>
			<Cinet_OverdueHistoryGraph>
				<OVERDUE_BUCKET_NAME>1-30 Days</OVERDUE_BUCKET_NAME>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<REF>0</REF>
			</Cinet_OverdueHistoryGraph>
			<Cinet_OverdueHistoryGraph>
				<OVERDUE_BUCKET_NAME>31-60 Days</OVERDUE_BUCKET_NAME>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<REF>0</REF>
			</Cinet_OverdueHistoryGraph>
		</Cinet_OverdueHistoryGraph>
		<Cinet_ExposurebyProduct>
			<Cinet_ExposurebyProduct>
				<PRODUCTTYPE>Charge Card</PRODUCTTYPE>
				<COUNT>2</COUNT>
				<OVERDUE>0</OVERDUE>
				<YETTOBEDUE>312</YETTOBEDUE>
				<UNUTILIZEDCREDIT>-12</UNUTILIZEDCREDIT>
			</Cinet_ExposurebyProduct>
			<Cinet_ExposurebyProduct>
				<PRODUCTTYPE>Housing Finance</PRODUCTTYPE>
				<COUNT>4</COUNT>
				<OVERDUE>0</OVERDUE>
				<YETTOBEDUE>37633</YETTOBEDUE>
				<UNUTILIZEDCREDIT>NA</UNUTILIZEDCREDIT>
			</Cinet_ExposurebyProduct>
		</Cinet_ExposurebyProduct>
		<Cinet_OverdueGraph>
			<Cinet_OverdueGraph>
				<PERCENT_LABEL>100%</PERCENT_LABEL>
				<PERCENTAGE>100</PERCENTAGE>
			</Cinet_OverdueGraph>
			<Cinet_OverdueGraph>
				<PERCENT_LABEL>0%</PERCENT_LABEL>
				<PERCENTAGE>0</PERCENTAGE>
			</Cinet_OverdueGraph>
		</Cinet_OverdueGraph>
		<Cinet_CreditUtilGraph>
			<Cinet_CreditUtilGraph>
				<PERCENT_LABEL>104%</PERCENT_LABEL>
				<UTLIZATION_PERCENTAGE>104</UTLIZATION_PERCENTAGE>
			</Cinet_CreditUtilGraph>
			<Cinet_CreditUtilGraph>
				<PERCENT_LABEL>-4%</PERCENT_LABEL>
				<UTLIZATION_PERCENTAGE>-4</UTLIZATION_PERCENTAGE>
			</Cinet_CreditUtilGraph>
		</Cinet_CreditUtilGraph>
		<Cinet_InquirySummary>
			<Cinet_InquirySummary>
				<INSTITUTIONTYPE>MOC Companies</INSTITUTIONTYPE>
				<NMBRLAST12MNTH>2</NMBRLAST12MNTH>
				<INQUIRYREASON>New Account Inquiry</INQUIRYREASON>
				<NMBRLAST12MNTHRSN>2</NMBRLAST12MNTHRSN>
			</Cinet_InquirySummary>
			<Cinet_InquirySummary>
				<INSTITUTIONTYPE>Local Bank</INSTITUTIONTYPE>
				<NMBRLAST12MNTH>3</NMBRLAST12MNTH>
				<INQUIRYREASON>Account Review Inquiry</INQUIRYREASON>
				<NMBRLAST12MNTHRSN>3</NMBRLAST12MNTHRSN>
			</Cinet_InquirySummary>
		</Cinet_InquirySummary>
		<Cinet_InstTypeGraph>
			<Cinet_InstTypeGraph>
				<VALUE>60</VALUE>
				<INQUIRYTYPE>Local Bank</INQUIRYTYPE>
				<LABLE>60%</LABLE>
			</Cinet_InstTypeGraph>
			<Cinet_InstTypeGraph>
				<VALUE>40</VALUE>
				<INQUIRYTYPE>MOC Companies</INQUIRYTYPE>
				<LABLE>40%</LABLE>
			</Cinet_InstTypeGraph>
		</Cinet_InstTypeGraph>
		<Cinet_InqReasonGraph>
			<Cinet_InqReasonGraph>
				<LABLE>40%</LABLE>
				<VALUE>40</VALUE>
				<INQUIRYREASON>New Account Inquiry</INQUIRYREASON>
			</Cinet_InqReasonGraph>
			<Cinet_InqReasonGraph>
				<LABLE>60%</LABLE>
				<VALUE>60</VALUE>
				<INQUIRYREASON>Account Review Inquiry</INQUIRYREASON>
			</Cinet_InqReasonGraph>
		</Cinet_InqReasonGraph>
		<Cinet_DocStatusProvidedByCustomer />
		<Cinet_AccDtls>
			<Cinet_AccDtls>
				<NUMBERORDER>1</NUMBERORDER>
				<RESCHEDULEFLAG>N</RESCHEDULEFLAG>
				<PRIMARY_ROOT_ID>6113606</PRIMARY_ROOT_ID>
				<ACTIVE_ROOT_ID>6113606</ACTIVE_ROOT_ID>
				<INSTITUTION_NAME>Burgan Bank</INSTITUTION_NAME>
				<PAYMENT_AMOUNT>316</PAYMENT_AMOUNT>
				<INSTITUTIONTYPE>Local Bank</INSTITUTIONTYPE>
				<ACCOUNTNO>826537-003</ACCOUNTNO>
				<ACCOUNTTYPE>Family Fund Loan</ACCOUNTTYPE>
				<ACCOUNTSTATUS>Up to date current</ACCOUNTSTATUS>
				<REPORTEDDATE>23-04-2023</REPORTEDDATE>
				<ISREPORTDATEINDICATOR>1</ISREPORTDATEINDICATOR>
				<ACCOUNTOPENINGDATE>12-06-2013</ACCOUNTOPENINGDATE>
				<ASSETCLASSIFICATION>Standard</ASSETCLASSIFICATION>
				<DISBURSEMENTDATE>12-06-2013</DISBURSEMENTDATE>
				<PLANNEDTERMINATEDDATE>23-12-2028</PLANNEDTERMINATEDDATE>
				<REPAYMENTFREQUENCY>Monthly</REPAYMENTFREQUENCY>
				<LASTINSTALLMENTDUEDATE>23-04-2023</LASTINSTALLMENTDUEDATE>
				<OUTSTANDINGBALANCE>23369</OUTSTANDINGBALANCE>
				<WRSTHSTACSTS>Arrears</WRSTHSTACSTS>
				<WRSTHSTNUMBEROFPYMENTS>1</WRSTHSTNUMBEROFPYMENTS>
				<NOOFPYMNTSOUTSTANDING>0</NOOFPYMNTSOUTSTANDING>
				<LEGALACTIONTKN>N</LEGALACTIONTKN>
				<ACCGUARANTORPRESENT>N</ACCGUARANTORPRESENT>
				<LOANTENURE>186</LOANTENURE>
				<AMOUNTOFFINANCE>56842</AMOUNTOFFINANCE>
				<LASTINSTALLMENTPAYMENTAMOUNT>316</LASTINSTALLMENTPAYMENTAMOUNT>
				<OVERDUEBALANCE>0</OVERDUEBALANCE>
				<DAYSPASTDUE>0</DAYSPASTDUE>
				<MONTH1>Apr23</MONTH1>
				<MONTH2>Mar23</MONTH2>
				<MONTH3>Feb23</MONTH3>
				<MONTH4>Jan23</MONTH4>
				<MONTH5>Dec22</MONTH5>
				<MONTH6>Nov22</MONTH6>
				<MONTH7>Oct22</MONTH7>
				<MONTH8>Sep22</MONTH8>
				<MONTH9>Aug22</MONTH9>
				<MONTH10>Jul22</MONTH10>
				<MONTH11>Jun22</MONTH11>
				<MONTH12>May22</MONTH12>
				<MONTHVAL1>OK</MONTHVAL1>
				<MONTHVAL2>OK</MONTHVAL2>
				<MONTHVAL3>OK</MONTHVAL3>
				<MONTHVAL4>OK</MONTHVAL4>
				<MONTHVAL5>OK</MONTHVAL5>
				<MONTHVAL6>OK</MONTHVAL6>
				<MONTHVAL7>OK</MONTHVAL7>
				<MONTHVAL8>OK</MONTHVAL8>
				<MONTHVAL9>OK</MONTHVAL9>
				<MONTHVAL10>OK</MONTHVAL10>
				<MONTHVAL11>OK</MONTHVAL11>
				<MONTHVAL12>OK</MONTHVAL12>
				<MONTHINDI1>0</MONTHINDI1>
				<MONTHINDI2>0</MONTHINDI2>
				<MONTHINDI3>0</MONTHINDI3>
				<MONTHINDI4>0</MONTHINDI4>
				<MONTHINDI5>0</MONTHINDI5>
				<MONTHINDI6>0</MONTHINDI6>
				<MONTHINDI7>0</MONTHINDI7>
				<MONTHINDI8>0</MONTHINDI8>
				<MONTHINDI9>0</MONTHINDI9>
				<MONTHINDI10>0</MONTHINDI10>
				<MONTHINDI11>0</MONTHINDI11>
				<MONTHINDI12>0</MONTHINDI12>
				<OVERDUEMONTH1>0</OVERDUEMONTH1>
				<OVERDUEMONTH2>0</OVERDUEMONTH2>
				<OVERDUEMONTH3>0</OVERDUEMONTH3>
				<OVERDUEMONTH4>0</OVERDUEMONTH4>
				<OVERDUEMONTH5>0</OVERDUEMONTH5>
				<OVERDUEMONTH6>0</OVERDUEMONTH6>
				<OVERDUEMONTH7>0</OVERDUEMONTH7>
				<OVERDUEMONTH8>0</OVERDUEMONTH8>
				<OVERDUEMONTH9>0</OVERDUEMONTH9>
				<OVERDUEMONTH10>0</OVERDUEMONTH10>
				<OVERDUEMONTH11>0</OVERDUEMONTH11>
				<OVERDUEMONTH12>0</OVERDUEMONTH12>
				<OVRDUEAMNT30>0</OVRDUEAMNT30>
				<OVRDUEAMNT60>0</OVRDUEAMNT60>
				<OVRDUEAMNT90>0</OVRDUEAMNT90>
				<OVRDUEAMNT120>0</OVRDUEAMNT120>
				<OVRDUEAMNT150>0</OVRDUEAMNT150>
				<OVRDUEAMNT180>0</OVRDUEAMNT180>
				<OVRDUEAMNT180P>0</OVRDUEAMNT180P>
				<OVRDUE30>0</OVRDUE30>
				<OVRDUE60>0</OVRDUE60>
				<OVRDUE90>0</OVRDUE90>
				<OVRDUE120>0</OVRDUE120>
				<OVRDUE150>0</OVRDUE150>
				<OVRDUE180>0</OVRDUE180>
				<OVRDUE180P>0</OVRDUE180P>
				<DOCUMENTSTATUS>Not Applicable</DOCUMENTSTATUS>
				<SUPPORTINGDOCUMENTSTATUS>-</SUPPORTINGDOCUMENTSTATUS>
			</Cinet_AccDtls>
		</Cinet_AccDtls>
		<Cinet_ClsdAcDtls>
			<Cinet_ClsdAcDtls>
				<ACCOUNTNO>826537-005</ACCOUNTNO>
				<ACCOUNTTYPE>Housing Finance</ACCOUNTTYPE>
				<ACCOUNTOPNDT>20-08-2015</ACCOUNTOPNDT>
				<CRDLIMIT>2900</CRDLIMIT>
				<PAYMENTAMOUNT>58</PAYMENTAMOUNT>
				<ACCCLSDDT>24-04-2017</ACCCLSDDT>
				<REASONCLS>Closed by Customer</REASONCLS>
				<ASTCLASSIFICATION>Standard</ASTCLASSIFICATION>
				<STSACC>Up to date current</STSACC>
				<WRSTHSTACSTATUS>-</WRSTHSTACSTATUS>
				<ISWRKSTHSTINDICATOR>0</ISWRKSTHSTINDICATOR>
				<NOOFPAYOUTSTND>0</NOOFPAYOUTSTND>
				<WRSTHSTNOPAY>-</WRSTHSTNOPAY>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<ISLEGALACTIONTKN>N</ISLEGALACTIONTKN>
				<ISLEGALACTIONTKNIND>0</ISLEGALACTIONTKNIND>
				<INSTITUTION_TYPE>Local Bank</INSTITUTION_TYPE>
				<INSTITUTION_NAME>Burgan Bank</INSTITUTION_NAME>
				<DOCUMENT_STATUS>Not Required</DOCUMENT_STATUS>
				<SUPPORTINGDOCUMENTSTATUS>-</SUPPORTINGDOCUMENTSTATUS>
			</Cinet_ClsdAcDtls>
			<Cinet_ClsdAcDtls>
				<ACCOUNTNO>-</ACCOUNTNO>
				<ACCOUNTTYPE>Consumer Finance</ACCOUNTTYPE>
				<ACCOUNTOPNDT>27-08-2017</ACCOUNTOPNDT>
				<CRDLIMIT>832</CRDLIMIT>
				<PAYMENTAMOUNT>35</PAYMENTAMOUNT>
				<ACCCLSDDT>17-06-2019</ACCCLSDDT>
				<REASONCLS>Closed by Customer</REASONCLS>
				<ASTCLASSIFICATION>Standard</ASTCLASSIFICATION>
				<STSACC>Up to date current</STSACC>
				<WRSTHSTACSTATUS>Arrears</WRSTHSTACSTATUS>
				<ISWRKSTHSTINDICATOR>0</ISWRKSTHSTINDICATOR>
				<NOOFPAYOUTSTND>0</NOOFPAYOUTSTND>
				<WRSTHSTNOPAY>2</WRSTHSTNOPAY>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<ISLEGALACTIONTKN>N</ISLEGALACTIONTKN>
				<ISLEGALACTIONTKNIND>0</ISLEGALACTIONTKNIND>
				<INSTITUTION_TYPE>MOC Companies</INSTITUTION_TYPE>
				<INSTITUTION_NAME>-</INSTITUTION_NAME>
				<DOCUMENT_STATUS>-</DOCUMENT_STATUS>
				<SUPPORTINGDOCUMENTSTATUS>-</SUPPORTINGDOCUMENTSTATUS>
			</Cinet_ClsdAcDtls>
		</Cinet_ClsdAcDtls>
		<Cinet_Guaranteed_Open_Loan />
		<Cinet_Guaranteed_Clsd_Loan>
			<Cinet_Guaranteed_Clsd_Loan>
				<ACCOUNTNO>-</ACCOUNTNO>
				<ACCOUNTTYPE>Consumer Finance</ACCOUNTTYPE>
				<ACCOUNTOPNDT>17-07-2002</ACCOUNTOPNDT>
				<CRDLIMIT>7710</CRDLIMIT>
				<PAYMENTAMOUNT>110</PAYMENTAMOUNT>
				<ACCCLSDDT>03-06-2005</ACCCLSDDT>
				<REASONCLS>Closed by Customer</REASONCLS>
				<STSACC>Up to date current</STSACC>
				<WRSTHSTACSTATUS>Up to date current</WRSTHSTACSTATUS>
				<ISWRKSTHSTINDICATOR>0</ISWRKSTHSTINDICATOR>
				<NOOFPAYOUTSTND>0</NOOFPAYOUTSTND>
				<WRSTHSTNOPAY>0</WRSTHSTNOPAY>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<ISLEGALACTIONTKN>N</ISLEGALACTIONTKN>
				<ISLEGALACTIONTKNIND>0</ISLEGALACTIONTKNIND>
				<INSTITUTION_TYPE>Investment Co.</INSTITUTION_TYPE>
				<WRITE_OFF_AMNT>0</WRITE_OFF_AMNT>
				<INSTITUTION_NAME>-</INSTITUTION_NAME>
			</Cinet_Guaranteed_Clsd_Loan>
			<Cinet_Guaranteed_Clsd_Loan>
				<ACCOUNTNO>-</ACCOUNTNO>
				<ACCOUNTTYPE>Consumer Finance</ACCOUNTTYPE>
				<ACCOUNTOPNDT>08-04-2008</ACCOUNTOPNDT>
				<CRDLIMIT>9316</CRDLIMIT>
				<PAYMENTAMOUNT>155</PAYMENTAMOUNT>
				<ACCCLSDDT>04-12-2011</ACCCLSDDT>
				<REASONCLS>Closed by Customer</REASONCLS>
				<STSACC>Up to date current</STSACC>
				<WRSTHSTACSTATUS>Up to date current</WRSTHSTACSTATUS>
				<ISWRKSTHSTINDICATOR>0</ISWRKSTHSTINDICATOR>
				<NOOFPAYOUTSTND>0</NOOFPAYOUTSTND>
				<WRSTHSTNOPAY>0</WRSTHSTNOPAY>
				<OVERDUEAMOUNT>0</OVERDUEAMOUNT>
				<ISLEGALACTIONTKN>N</ISLEGALACTIONTKN>
				<ISLEGALACTIONTKNIND>0</ISLEGALACTIONTKNIND>
				<INSTITUTION_TYPE>Investment Co.</INSTITUTION_TYPE>
				<WRITE_OFF_AMNT>0</WRITE_OFF_AMNT>
				<INSTITUTION_NAME>-</INSTITUTION_NAME>
			</Cinet_Guaranteed_Clsd_Loan>
		</Cinet_Guaranteed_Clsd_Loan>
		<Cinet_InquiryHistory>
			<Cinet_InquiryHistory>
				<INQNUMBER>1</INQNUMBER>
				<INQUIRYDATE>05-07-2022</INQUIRYDATE>
				<INSTITUTIONTYPE>MOC Companies</INSTITUTIONTYPE>
				<INQUIRYPURPOSE>New Account Inquiry</INQUIRYPURPOSE>
				<FACILITYTYPE>Consumer Loan</FACILITYTYPE>
				<AMOUNT>1</AMOUNT>
				<RELATIONSHIP_TO_ACCOUNT>Main Applicant</RELATIONSHIP_TO_ACCOUNT>
				<PAYMENT_AMOUNT>1</PAYMENT_AMOUNT>
				<PAYMENT_FREQUENCY>Monthly</PAYMENT_FREQUENCY>
				<DURATION_OF_AGREEMENT>1</DURATION_OF_AGREEMENT>
				<INSTITUTION_NAME>-</INSTITUTION_NAME>
				<APPROVAL_DATE>-</APPROVAL_DATE>
				<CONVERTED_TO_ACCOUNT_ON>-</CONVERTED_TO_ACCOUNT_ON>
				<REASONFORINQUIRY>New credit account</REASONFORINQUIRY>
			</Cinet_InquiryHistory>
			<Cinet_InquiryHistory>
				<INQNUMBER>2</INQNUMBER>
				<INQUIRYDATE>11-06-2022</INQUIRYDATE>
				<INSTITUTIONTYPE>MOC Companies</INSTITUTIONTYPE>
				<INQUIRYPURPOSE>New Account Inquiry</INQUIRYPURPOSE>
				<FACILITYTYPE>Consumer Loan</FACILITYTYPE>
				<AMOUNT>1</AMOUNT>
				<RELATIONSHIP_TO_ACCOUNT>Main Applicant</RELATIONSHIP_TO_ACCOUNT>
				<PAYMENT_AMOUNT>1</PAYMENT_AMOUNT>
				<PAYMENT_FREQUENCY>Monthly</PAYMENT_FREQUENCY>
				<DURATION_OF_AGREEMENT>1</DURATION_OF_AGREEMENT>
				<INSTITUTION_NAME>-</INSTITUTION_NAME>
				<APPROVAL_DATE>-</APPROVAL_DATE>
				<CONVERTED_TO_ACCOUNT_ON>-</CONVERTED_TO_ACCOUNT_ON>
				<REASONFORINQUIRY>New credit account</REASONFORINQUIRY>
			</Cinet_InquiryHistory>
		</Cinet_InquiryHistory>
		<Cinet_EmploymentHistory>
			<Cinet_EmploymentHistory>
				<NUMBERORDER>1</NUMBERORDER>
				<DATEREPORTED>31-05-2014</DATEREPORTED>
			</Cinet_EmploymentHistory>
		</Cinet_EmploymentHistory>
		<Cinet_ContactHistory>
			<Cinet_ContactHistory>
				<NUMBERORDER>1</NUMBERORDER>
				<DETAILS>625068</DETAILS>
				<TYPE>Work Telephone</TYPE>
				<DATEREPORTED>04-12-2011</DATEREPORTED>
			</Cinet_ContactHistory>
		</Cinet_ContactHistory>
		<Cinet_GetReportComments />
		<Cinet_AddressHistory>
			<Cinet_AddressHistory>
				<NUMBERORDER>1</NUMBERORDER>
				<DETAILS>??????                              1                                   ???? 6                              ???? 16</DETAILS>
				<TYPE>Residential</TYPE>
				<DATEREPORTED>26-11-2020</DATEREPORTED>
			</Cinet_AddressHistory>
		</Cinet_AddressHistory>
		<Cinet_GovernmentFamilyFundLoans>
			<Cinet_GovernmentFamilyFundLoans>
				<SNO>1</SNO>
				<MANAGER_BANK>Burgan Bank</MANAGER_BANK>
				<MESSAGE>?????? ??? ????? ????????? ????? 51 ??? ????? ??? ??????? ???????</MESSAGE>
				<APPLICATION_DATE>18-10-2010</APPLICATION_DATE>
			</Cinet_GovernmentFamilyFundLoans>
			<Cinet_GovernmentFamilyFundLoans>
				<SNO>2</SNO>
				<MANAGER_BANK>Burgan Bank</MANAGER_BANK>
				<MESSAGE>???? ?????? ?????? ???? ????? ?????  ????????? ????? 51 ??? ????? - ??????</MESSAGE>
				<APPLICATION_DATE>16-10-2011</APPLICATION_DATE>
				<APPROVAL_DATE>16-10-2011</APPROVAL_DATE>
			</Cinet_GovernmentFamilyFundLoans>
		</Cinet_GovernmentFamilyFundLoans>
	</DATAPACKET>
</LiveResponse>

```
This data package contains information about the financial profile of a particular user. Here are some key fields and descriptions of the values:

**ReportDetails:** Details of the report, user ID, branch information, report dates etc. contains.

**Cinet_SearchDetails:** Contains information such as the user's search details, name, ID type, and ID number.

**ConsumerDetails:** User's consumer details, name, nationality, gender, date of birth, address, etc. contains information.

**Cinet_GovtFundedLoan:** Contains information about government-backed loans, in which case the user is stated to have received a loan from a family fund.

**CreditProfileOverview:** Provides an overview of the credit profile, e.g. dates of worst-off loan accounts, amounts of outstanding balances, loan applications, etc.

**Cinet_LiabilitySummary:** Contains debt summary information, total debt amount, outstanding amounts, current installments etc.

**CreditProfileSummeryGraph:** Credit profile summary graph includes installment amount and delay amounts according to previous months.

**AssetClassificationGraph:** Asset classification graph includes classification of credit accounts by past months.

**Cinet_AccountClassification:** Contains account classification information, account type, number of accounts, total balance, past delays, etc.

**Cinet_TotalLiabilitySummary:** Contains total debt summary information, total balance, amounts of overdue installments, etc.

**Cinet_OverdueHistoryGraph:** The latency history graph contains latency amounts over different latency ranges.

**Cinet_ExposurebyProduct:** Contains exposure information by product, product type, number of accounts, delayed installments, etc.

**Cinet_OverdueGraph:** Based on these data, it is understood whether there are any overdue payments in the loan payment process.

**Cinet_CreditUtilGraph:** Based on this data, it is seen that the percentage value of loan usage and whether the credit limit has been exceeded.

**Cinet_InquirySummary:** Based on this data, it appears that there have been account review inquiries made in the last 12 months.

**Cinet_InstTypeGraph:** Shows how much investigations have been made from which institutions

**Cinet_InqReasonGraph:** Shows how much the query was made for which reason

**Cinet_AccDtls:** Shows open accounts

**Cinet_ClsdAcDtls:** Shows closed accounts

**Cinet_Guaranteed_Open_Loan:** Shows open loan datas

**Cinet_Guaranteed_Clsd_Loan:** Shows closed loan datas

**Cinet_InquiryHistory:** This tag contains a sub-tag that contains the history of the customer's loan applications. Each subtag contains the details of a loan application.

**Cinet_EmploymentHistory:** This tag contains a subtag containing the customer's employment history.

**Cinet_ContactHistory:** This tag contains the customer's contact history

**Cinet_GetReportComments:** this tag contains report comments

**Cinet_AddressHistory:** This label contains the customer's address history

**Cinet_GovernmentFamilyFundLoans:** This label contains the client's government family fund loans.

This data package provides an overview of the user's financial situation. Using this data, the user's credit history, debt status, asset classification, etc. analyzes can be made. However, it is important to know more about the full meaning and value of each field and to interpret the data accordingly.

#### Sample response analysis

According to the details of the report, the order date of the report is 10 May 2023, your branch is Hawalli Branch and the transaction number is 9770835. The report has been prepared by Burgan Bank. (ReportDetails)

According to the data in the report, the name and identity information of the researched person was hidden. However, the report contains information such as the name, nationality (Kuwait), gender (male) and date of birth (07 July 1973) of the researched person. It also includes information such as the person’s identification number, address, and reported date. (ConsumerDetails)

The report states that he did not receive a government-supported loan or grant, has no legal status, and has not written off any debts. It is also stated that there is a fund loan for the family and the past income of the person is a certain amount. (Cinet_GovtFundedLoan)

The credit profile provides an overview. It is stated that the worst case account is up to date, the worst historical case is delays, and the highest latency is 60 days. In addition, information such as the person’s total delay amount, total written amount and loan utilization rate are included in the report. (CreditProfileOverview, Cinet_LiabilitySummary, CreditProfileSummeryGraph)

The report also includes information such as asset classification, account classification and total liability summary. This information shows the status and liabilities of the person’s accounts. (AssetClassificationGraph, Cinet_TotalLiabilitySummary)

In addition, other graphs such as exposure by product, delay history and credit utilization rate are also included in the report. (Cinet_OverdueHistoryGraph)


## Consumer Loan Screens

## Sample Search Screen ( )

```plantuml
@startsalt
skinparam dpi 300
{
    {
  | "Search text  " | [Search <&magnifying-glass>] | [New Applicant <&plus>] | [Print Ci-net Consent <&print>]

}
    {#
    Referance... | Firstname... | Lastname... | Process Name... | Time Due... | State...
    20221992122 | Gökhan | Basut| Loan Application | 07.06.2023 10:37 | Draft
        .... |.... | .... |. |. | 
    
    }
}
@endsalt
```

## New applicant form.io ( )

![](https://hackmd.io/_uploads/HkKrM6aU3.png)



### Create applicant form.io json
```json 
{
  "components": [
    {
      "type": "textfield",
      "label": "Civil ID / PACI No",
      "key": "civilId",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": true
    },
    {
      "type": "textfield",
      "label": "Salary in Certificate",
      "key": "salary",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": true
    },
    {
      "type": "select",
      "label": "Employer",
      "key": "employer",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "Employer 1",
          "Employer 2",
          "Employer 3",
          "Employer 4"
        ]
      },
      "tableView": true
    },
    {
      "type": "select",
      "label": "Loan Type",
      "key": "loanType",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "Loan against FD",
          "Personal Loan"
        ]
      },
      "tableView": true
    },
    {
      "type": "select",
      "label": "Seller Id",
      "key": "sellerId",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "1261-Rozan Zarif",
          "Seller 2",
          "Seller 3",
          "Seller 4"
        ]
      },
      "tableView": true
    },
    {
      "type": "select",
      "label": "Referred Id",
      "key": "referredId",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "Referred 1",
          "Referred 2",
          "Referred 3",
          "Referred 4"
        ]
      },
      "tableView": true
    },
    {
      "type": "file",
      "label": "Consent Form",
      "key": "consentForm",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": false
    },
    {
      "type": "checkbox",
      "label": "I Agree",
      "key": "agree",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": false
    },
    {
      "label": "Create Applicant",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "input": true,
      "saveOnEnter": false
    }
  ]
}
```

After the registration process, the person's identity information is drawn and registered in the credit database. With it, the CI-NET call is made.

The person applying for the loan appears on the Search screen as follows

```plantuml
@startsalt
skinparam dpi 300
{
    {
  | "Search text  " | [Search <&magnifying-glass>] | [New Applicant <&plus>] | [Print Ci-net Consent <&print>]

}
    {#
    Referance... | Firstname... | Lastname... | Process Name... | Time Due... | State...
    20221992122 | Gökhan | Basut| Loan Application | 07.06.2023 10:37 | Draft
        45854125454 |Şafak | Çakır |Loan Application |07.06.2023 11:00| Draft |
    
    }
}
@endsalt
```

## New applicant (Draft) detail page ( )

```plantuml
@startsalt
skinparam dpi 300
{+
    {^"Sumary Area"
    This placeholder include **summary-template** view of record
    .
        
{#
    | **Name(EN)**    | **Name(AR)**     | **Date of Birth** | **Age** | **CRO Branch** | **BB CIF**   | **Ctrl Branch** | **Segment**         | **Nationality** | **Retired** | **Salary in Certificate** | **Employer** | **Loan Type** | **Seller id** | **Reffered id**
    | Gökhan Basut    | غوكهان باسوت    | 01/01/1985        | 38       | Branch A        | 1234567890   | Branch A        | Premier Customer    | Turkey          | No          |25000|Burgan Bank|Personal Loan|1261-Rozan Zarif|
}
}
{+
{/ <b>Applicant Cinet | Guarantors | Guarantors Cinet | History }
{
{^"Info Area"
    This placeholder can include **template** for record view
    This placeholder can include **display** layout of any referenced record for full render (inclding detail tabs, history etc.)
     This placeholder can include **search** layout for 1-to-N scenarios.
.
    {
  | "Search text  " | [Search] 

}
    {#
    | <b>Type of account | <b>Original ATM | <b>Outstanding | <b>Installment AMT | <b>Defaulted AMT | <b>No of Defaults | <b>Relationship to account | <b>Lender Type | <b>Litigation Status | <b>Closed litigation date | <b>CAIS/CAPS
    | Current Account | 100,000 TL  | 50,000 TL   | 2,500 TL         | 10,000 TL     | 2              | Owner                   | Bank        | In progress       | 01/06/2023            | Yes       
    | Credit Card     | -            | 5,000 TL    | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Savings Account | 50,000 TL    | 20,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Loan            | -            | -           | 3,000 TL         | 15,000 TL     | 1              | Co-Owner                | Non-Bank    | In progress       | 01/06/2023            | Yes       
    | Credit Card     | -            | 10,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Current Account | 80,000 TL    | 60,000 TL   | 5,000 TL         | 20,000 TL     | 3              | Owner                   | Bank        | Closed            | 01/05/2023            | No        
    | Savings Account | 30,000 TL    | 10,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Loan            | -            | -           | 2,500 TL         | 12,500 TL     | 2              | Owner                   | Bank        | In progress       | 01/06/2023            | No        
    | Current Account | 70,000 TL    | 40,000 TL   | 3,000 TL         | 10,000 TL     | 1              | Co-Owner                | Non-Bank    | Closed            | 01/05/2023            | Yes       
    | Credit Card     | -            | 8,000 TL    | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Savings Account | 40,000 TL    | 15,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         |
    }
    .
}
{^"Workflow Transitions Area"
    { State in: **New Applicant (Draft)** }
    
    .
    {Available Workflows: | ^Applicant Additional Information^^Add Financial Guarantor^^Add Non-Financial Guarantor^^Submit CRO Step^^Cancel the application^}
    .
    .
    .
    .
}

}
[Close]
}
}
@endsalt


```
## Applicant Additional Information form.io

![](https://hackmd.io/_uploads/BJJSjl8vh.png)

### Applicant Additional Information form.io json

```json 
{
  "components": [
    {
      "title": "Personel Information",
      "collapsible": false,
      "key": "personelInformation",
      "type": "panel",
      "label": "Panel",
      "input": false,
      "tableView": false,
      "components": [
        {
          "label": "Type Of Residence",
          "widget": "choicesjs",
          "tableView": true,
          "data": {
            "values": [
              {
                "label": "Own House",
                "value": "ownHouse"
              },
              {
                "label": "Family House",
                "value": "familyHouse"
              },
              {
                "label": "Rent",
                "value": "rent"
              }
            ]
          },
          "key": "typeOfResidence",
          "type": "select",
          "input": true
        },
        {
          "label": "Education",
          "widget": "choicesjs",
          "tableView": true,
          "data": {
            "values": [
              {
                "label": "A- No Education Granted",
                "value": "masterDoctorate"
              },
              {
                "label": "B- Secondary School",
                "value": "bsBa"
              },
              {
                "label": "C- College Diploma or Equivalent",
                "value": "vocationalCollage"
              },
              {
                "label": "D- Bachelors",
                "value": "highSchool"
              },
              {
                "label": "E- Masters, Doctorate",
                "value": "eMastersDoctorate"
              },
              {
                "label": "F- NO INFORMATION",
                "value": "fNoInformation"
              },
              {
                "label": "A-  High School",
                "value": "aHighSchool"
              }
            ]
          },
          "key": "education",
          "type": "select",
          "input": true
        },
        {
          "label": "Marital Status",
          "widget": "choicesjs",
          "tableView": true,
          "data": {
            "values": [
              {
                "label": "A- Divorced with 0-1 dependents",
                "value": "marriedWith02DependentsAnd05Children"
              },
              {
                "label": "B- Divorced with 2+ dependents",
                "value": "bDivorcedWith2Dependents"
              },
              {
                "label": "C- Single",
                "value": "cSingle"
              },
              {
                "label": "D- Married with 0-2 dependents",
                "value": "dMarriedWith02Dependents"
              },
              {
                "label": "E- Married with 3+ dependents",
                "value": "eMarriedWith3Dependents"
              },
              {
                "label": "F- NO INFORMATION",
                "value": "fNoInformation"
              },
              {
                "label": "A- Widowed with 0-1 dependents",
                "value": "aWidowedWith01Dependents"
              },
              {
                "label": "B- Widowed with 2+ dependents",
                "value": "bWidowedWith2Dependents"
              }
            ]
          },
          "key": "maritalStatus",
          "type": "select",
          "input": true
        }
      ]
    },
    {
      "title": "Employment Information",
      "collapsible": false,
      "key": "employmentInformation",
      "type": "panel",
      "label": "Panel",
      "input": false,
      "tableView": false,
      "components": [
        {
          "label": "Position",
          "widget": "choicesjs",
          "tableView": true,
          "data": {
            "values": [
              {
                "label": "Self Employed",
                "value": "selfEmployed"
              },
              {
                "label": "Retired",
                "value": "retired"
              },
              {
                "label": "Junior Management",
                "value": "juniorManagement"
              },
              {
                "label": "Middle Management",
                "value": "middleManagement"
              },
              {
                "label": "Senior Management",
                "value": "seniorManagement"
              }
            ]
          },
          "key": "position",
          "type": "select",
          "input": true
        },
        {
          "label": "Employment Date",
          "hideInputLabels": false,
          "inputsLabelPosition": "top",
          "useLocaleSettings": false,
          "tableView": false,
          "fields": {
            "day": {
              "hide": false
            },
            "month": {
              "type": "number",
              "hide": false
            },
            "year": {
              "hide": false
            }
          },
          "defaultValue": "00/00/0000",
          "key": "employmentDate",
          "type": "day",
          "input": true
        },
        {
          "label": "Social Allowance",
          "applyMaskOn": "change",
          "mask": false,
          "spellcheck": true,
          "tableView": false,
          "currency": "KWD",
          "inputFormat": "plain",
          "truncateMultipleSpaces": false,
          "key": "socialAllowance",
          "type": "currency",
          "input": true,
          "delimiter": true
        },
        {
          "label": "End Of Service Benefit",
          "hideInputLabels": false,
          "inputsLabelPosition": "top",
          "useLocaleSettings": false,
          "tableView": false,
          "fields": {
            "day": {
              "hide": false
            },
            "month": {
              "hide": false
            },
            "year": {
              "hide": false
            }
          },
          "key": "endOfServiceBenefit",
          "type": "day",
          "input": true,
          "defaultValue": "00/00/0000"
        }
      ]
    },
    {
      "label": "Save Information",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "input": true,
      "saveOnEnter": false
    }
  ]
}
```


## Add Financial Guarantor

![](https://hackmd.io/_uploads/BJvFzlA82.png)

### Add Financial Guarantor form.io json

```json 
{
"components": [
    {
      "label": "Civil ID of Financial Guarantor",
      "applyMaskOn": "change",
      "tableView": true,
      "validate": {
        "required": true
      },
      "key": "civilId",
      "type": "textfield",
      "input": true
    },
    {
      "type": "textfield",
      "label": "Salary in Certificate",
      "key": "salary",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": true
    },
    {
      "type": "select",
      "label": "Employer",
      "key": "employer",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "Employer 1",
          "Employer 2",
          "Employer 3",
          "Employer 4"
        ]
      },
      "tableView": true
    },
    {
      "label": "Guarantor Signed Consent Form",
      "tableView": false,
      "webcam": false,
      "fileTypes": [
        {
          "label": "",
          "value": ""
        }
      ],
      "validate": {
        "required": true
      },
      "key": "consentForm",
      "type": "file",
      "input": true
    },
    {
      "type": "checkbox",
      "label": "I Agree",
      "key": "agree",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": false
    },
    {
      "label": "Create Financial Guarantor",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "saveOnEnter": false,
      "input": true
    }
  ]
}
```
After the registration process, the person's identity information is drawn and associated with the relevant application, and the registration takes place. With it, the CI-NET call is made.

## Add Non-Financial Guarantor

![](https://hackmd.io/_uploads/SJRIte0In.png)

### Add Non-Financial Guarantor form.io json

```json 
{
  "components": [
    {
      "label": "CID/BRN of Non-Financial Guarantor",
      "applyMaskOn": "change",
      "tableView": true,
      "validate": {
        "required": true
      },
      "key": "civilId",
      "type": "textfield",
      "input": true
    },
    {
      "type": "select",
      "label": "Employer",
      "key": "employer",
      "input": true,
      "validate": {
        "required": true
      },
      "data": {
        "values": [
          "Employer 1",
          "Employer 2",
          "Employer 3",
          "Employer 4"
        ]
      },
      "tableView": true
    },
    {
      "label": "Guarantor Signed Consent Form",
      "tableView": false,
      "webcam": false,
      "fileTypes": [
        {
          "label": "",
          "value": ""
        }
      ],
      "validate": {
        "required": true
      },
      "key": "consentForm",
      "type": "file",
      "input": true
    },
    {
      "type": "checkbox",
      "label": "I Agree",
      "key": "agree",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": false
    },
    {
      "label": "Create Non-Financial Guarantor",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "saveOnEnter": false,
      "input": true
    }
  ]
}
```
Kayıt işlemi sonrasında, bilgiler çekilip ilgili başvuru ile ilişkilendirilerek kaydı gerçekleşir. Bununla birlikte CI-NET çağrısı yapılır.

## Guarantors tab page

```plantuml
@startsalt
skinparam dpi 300
{+
    {^"Sumary Area"
    This placeholder include **summary-template** view of record
    .
        
{#
    | **Name(EN)**    | **Name(AR)**     | **Date of Birth** | **Age** | **CRO Branch** | **BB CIF**   | **Ctrl Branch** | **Segment**         | **Nationality** | **Retired** | **Salary in Certificate** | **Employer** | **Loan Type** | **Seller id** | **Reffered id**
    | Gökhan Basut    | غوكهان باسوت    | 01/01/1985        | 38       | Branch A        | 1234567890   | Branch A        | Premier Customer    | Turkey          | No          |25000|Burgan Bank|Personal Loan|1261-Rozan Zarif|
}
}
{+
{/ Applicant Cinet | <b>Guarantors | Guarantors Cinet | History }
{
{^"Info Area"
    This placeholder can include **template** for record view
    This placeholder can include **display** layout of any referenced record for full render (inclding detail tabs, history etc.)
     This placeholder can include **search** layout for 1-to-N scenarios.
.
    {
  | "Search text  " | [Search] 

}
{#
        | Guarantor Type   | Name(En)      | Name(AR)      | Date of Birth | Age | BB CIF      | Nationality     | Guarantor Relationship | Retired | Salary in Certificate | Employer           
        |------------------|---------------|---------------|---------------|-----|-------------|-----------------|------------------------|---------|-----------------------|--------------------
        | Financial        | John Smith    | جون سميث      | 1980-05-10    | 43  | 123456789   | United States   | -                  | No      | $5,000                | ABC Bank           
        | Non-financial    | -             | -             | -             | -   | 9876543210  | -               | -                  | -       | -                     | XYZ Corporation   
        | Financial        | Emma Johnson  | إيما جونسون    | 1975-12-15    | 47  | 987654321   | United Kingdom  | -                  | No      | $7,500                | XYZ Bank           
        | Non-financial    | -             | -             | -             | -   | 5678901234  | -               | -                  | -       | -                     | ABC Corporation   
        | Financial        | Ahmed Hassan  | أحمد حسن      | 1982-08-22    | 41  | 456789012   | Egypt           | -                  | No      | $4,200                | XYZ Insurance      
        | Non-financial    | -             | -             | -             | -   | 9876543210  | -               | -                  | -       | -                     | ABC Law Firm      
    }
    .
}
{^"Workflow Transitions Area"
    { State in: **New Applicant (Draft)** }
    
    .
    {Available Workflows: | ^Add Financial Guarantor^^Add Non-Financial Guarantor^^Delete Guarantor^^Submit CRO Step^^Cancel the application^}
    .
    .
    .
    .
}

}
[Close]
}
}
@endsalt


```

## Guarantors Cinet tab page

```plantuml
@startsalt
skinparam dpi 300
{+
    {^"Sumary Area"
    This placeholder include **summary-template** view of record
    .
        
{#
    | **Name(EN)**    | **Name(AR)**     | **Date of Birth** | **Age** | **CRO Branch** | **BB CIF**   | **Ctrl Branch** | **Segment**         | **Nationality** | **Retired** | **Salary in Certificate** | **Employer** | **Loan Type** | **Seller id** | **Reffered id**
    | Gökhan Basut    | غوكهان باسوت    | 01/01/1985        | 38       | Branch A        | 1234567890   | Branch A        | Premier Customer    | Turkey          | No          |25000|Burgan Bank|Personal Loan|1261-Rozan Zarif|
}
}
{+
{/ Applicant Cinet | Guarantors | <b>Guarantors Cinet | History }
{
{^"Info Area"
    This placeholder can include **template** for record view
    This placeholder can include **display** layout of any referenced record for full render (inclding detail tabs, history etc.)
     This placeholder can include **search** layout for 1-to-N scenarios.
.
    {
  | "Search text  " | [Search] 

}
{#
        | Guarantor Name | Type of Account | Original ATM | Outstanding | Installment AMT | Defaulted AMT | No of Defaults | Relationship to Account | Lender Type                   | Litigation Status | Closed Litigation Date 
        |----------------|-----------------|--------------|-------------|-----------------|---------------|----------------|-------------------------|-------------------------------|-------------------|-----------------------
        | John Smith     | Consumer Loan   | $10,000      | $5,000      | $500            | $0            | 0              | Owner                   | Regional Bank                 | Open              | -                     
        | John Smith     | Housing Loan    | $20,000      | $10,000     | $1,000          | $0            | 0              | Guarantor               | No Bank Financial Services     | Open              | -                     
        | John Smith     | Card            | -            | $2,500      | $250            | $50           | 2              | Owner                   | Diversified Financial Company | Closed            | 2022-06-15            
        | John Smith     | Lease           | $15,000      | $7,500      | $750            | $0            | 0              | Guarantor               | Regional Bank                 | Open              | -                     
        | John Smith     | Rent            | $200,000     | $150,000    | $1,500          | $0            | 0              | Owner                   | No Bank Financial Services     | Open              | -                     
        | Emma Johnson   | Consumer Loan   | $5,000       | $1,000      | $100            | $0            | 0              | Guarantor               | Diversified Financial Company | Open              | -                     
        | Emma Johnson   | Housing Loan    | $10,000      | $2,500      | $250            | $0            | 0              | Owner                   | Regional Bank                 | Open              | -                     
        | Emma Johnson   | Card            | -            | $500        | $50             | $0            | 0              | Guarantor               | No Bank Financial Services     | Open              | -                     
        | Emma Johnson   | Lease           | $8,000       | $4,000      | $400            | $0            | 0              | Owner                   | Diversified Financial Company | Open              | -                     
        | Emma Johnson   | Rent            | $150,000     | $100,000    | $1,000          | $0            | 0              | Guarantor               | Regional Bank                 | Open              | -                     
    }
    .
}
{^"Workflow Transitions Area"
    { State in: **New Applicant (Draft)** }
    
    .
    {Available Workflows: | ^Add Financial Guarantor^^Add Non-Financial Guarantor^^Delete Guarantor^^Submit CRO Step^^Cancel the application^}
    .
    .
    .
    .
}

}
[Close]
}
}
@endsalt


```
## Delete Guarantor form.io

![](https://hackmd.io/_uploads/HJV4uO4D3.png)

### Delete Guarantor form.io json

```json 
{
  "components": [
    {
      "label": "Guarantors",
      "optionsLabelPosition": "right",
      "tableView": false,
      "values": [
        {
          "label": "John Smith",
          "value": "johnSmith",
          "shortcut": ""
        },
        {
          "label": "Emma Johnson",
          "value": "emmaJohnson",
          "shortcut": ""
        }
      ],
      "key": "guarantors",
      "type": "selectboxes",
      "input": true,
      "inputType": "checkbox",
      "defaultValue": {
        "ahmetHassan": false,
        "flyZoneCo": false,
        "johnSmith": false,
        "johnSmithahmetHassan": false,
        "": false,
        "e": false,
        "emm": false,
        "emma": false,
        "emmaJ": false,
        "emmaJo": false,
        "emmaJoh": false,
        "emmaJohn": false,
        "emmaJohnso": false,
        "emmaJohnson": false
      }
    },
    {
      "type": "checkbox",
      "label": "I Agree",
      "key": "agree",
      "input": true,
      "validate": {
        "required": true
      },
      "tableView": false
    },
    {
      "type": "button",
      "label": "Delete Guarantors",
      "key": "submit",
      "disableOnInvalid": true,
      "input": true,
      "tableView": false
    }
  ]
}

```

## Cancel the application form.io

![](https://hackmd.io/_uploads/rJ3idKNDh.png)

### Cancel the application form.io json

```json 
{
  "components": [
    {
      "label": "Cancel reason",
      "applyMaskOn": "change",
      "autoExpand": false,
      "tableView": true,
      "key": "reason",
      "type": "textarea",
      "input": true
    },
    {
      "label": "Cancel the application",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "input": true,
      "saveOnEnter": false
    }
  ]
}
```
## Submit CRO Step form.io

![](https://hackmd.io/_uploads/H13ptFEPh.png)

### Submit CRO Step form.io json

```json 
{
  "components": [
    {
      "label": "Comment",
      "applyMaskOn": "change",
      "autoExpand": false,
      "tableView": true,
      "key": "comment",
      "type": "textarea",
      "input": true
    },
    {
      "label": "Submit CRO Step",
      "showValidations": false,
      "disableOnInvalid": true,
      "tableView": false,
      "key": "submit",
      "type": "button",
      "input": true,
      "saveOnEnter": false
    }
  ]
}
```
## CRO Step Search Screen ( )

```plantuml
@startsalt
skinparam dpi 300
{
    {
  | "Search text  " | [Search <&magnifying-glass>] 

}
    {#
    Referance... | Firstname... | Lastname... | Process Name... | Time Due... | State...
    20221992122 | Gökhan | Basut| Loan Application | 07.06.2023 10:37 | CRO
        .... |.... | .... |. |. | 
    
    }
}
@endsalt
```
## CRO Step detail page ( )

```plantuml

@startsalt
skinparam dpi 300
{+
    {^"Sumary Area"
    This placeholder include **summary-template** view of record
    .
      {#
        | **Salary Account No**    
|545646564564122|
}  
.
.
{#
    | **Name(EN)**    | **Name(AR)**     | **Date of Birth** | **Age** | **CRO Branch** | **BB CIF**   | **Ctrl Branch** | **Segment**         | **Nationality** | **Retired** | **Salary in Certificate** | **Employer** | **Loan Type** | **Seller id** | **Reffered id**
    | Gökhan Basut    | غوكهان باسوت    | 01/01/1985        | 38       | Branch A        | 1234567890   | Branch A        | Premier Customer    | Turkey          | No          |25000|Burgan Bank|Personal Loan|1261-Rozan Zarif|
}
        .
        {#
    | **Civil ID Number**    | **Gender**     | **Last Salary credited** | **Approved net salary** | **Private Sector Social Allowance** | **Additional Salary**   | **Rental Income** | **Total Income**         | **Last Salary Transfered date** | **Rank**
    | 20221992122    | Male   | 23234        | 23234       | .        | .   | .        | 25000    | 12.06.2023 17:21          | . 
}
        .
}
{+
{/ <b>Applicant Cinet | Guarantors | Guarantors Cinet | Loan Details | Applicant Contact Details | Guarantor Contact Details | Documentation | History }
{
{^"Info Area"
    This placeholder can include **template** for record view
    This placeholder can include **display** layout of any referenced record for full render (inclding detail tabs, history etc.)
     This placeholder can include **search** layout for 1-to-N scenarios.
.
    {
  | "Search text  " | [Search] 

}
    {#
    | <b>Type of account | <b>Original ATM | <b>Outstanding | <b>Installment AMT | <b>Defaulted AMT | <b>No of Defaults | <b>Relationship to account | <b>Lender Type | <b>Litigation Status | <b>Closed litigation date | <b>CAIS/CAPS
    | Current Account | 100,000 TL  | 50,000 TL   | 2,500 TL         | 10,000 TL     | 2              | Owner                   | Bank        | In progress       | 01/06/2023            | Yes       
    | Credit Card     | -            | 5,000 TL    | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Savings Account | 50,000 TL    | 20,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Loan            | -            | -           | 3,000 TL         | 15,000 TL     | 1              | Co-Owner                | Non-Bank    | In progress       | 01/06/2023            | Yes       
    | Credit Card     | -            | 10,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Current Account | 80,000 TL    | 60,000 TL   | 5,000 TL         | 20,000 TL     | 3              | Owner                   | Bank        | Closed            | 01/05/2023            | No        
    | Savings Account | 30,000 TL    | 10,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Loan            | -            | -           | 2,500 TL         | 12,500 TL     | 2              | Owner                   | Bank        | In progress       | 01/06/2023            | No        
    | Current Account | 70,000 TL    | 40,000 TL   | 3,000 TL         | 10,000 TL     | 1              | Co-Owner                | Non-Bank    | Closed            | 01/05/2023            | Yes       
    | Credit Card     | -            | 8,000 TL    | -                | -             | -              | -                       | -           | -                 | -                      | -         
    | Savings Account | 40,000 TL    | 15,000 TL   | -                | -             | -              | -                       | -           | -                 | -                      | -         |
    }
    .
}
{^"Workflow Transitions Area"
    { State in: **CRO** }
    
    .
    {Available Workflows: | ^Change Salary account^^Applicant - Non Cinet Liability Settlement^^Applicant Contact Details Update^^Guarantors Contact Details Update^^Eligible Limits^^Auto Loan Details^^Loan Calculator^^Add Financial Guarantor^^Add Non-Financial Guarantor^^Documentation Attachments^^Submit BM Step^^Cancel the application^}
    .
    .
    .
    .
    .
    .
    .
    .
    .
    .
}

}
[Close]
}
}
@endsalt

```
## Change Salary account form.io

......



## States and Transitions

### Start
This is the state where the workflow starts

#### Transitions

##### Init
With this transition, it initiates a loan application for a specific customer.

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cde29f39bc236ba08b20d 

> ![](https://i.imgur.com/YV7Mx37.png)

### CRO

The officer may add a guarantor at this stage until he completes the application. Then the officer submits it to the branch manager's approval.

The officer can add multiple guarantors.

The **CINet Consent Form** is rendered at this stage and signed by the customer. The scanned version of the signed form is uploaded at this state.

:::info
The Document Validation Subsystem is used for document creation, upload, and control. This subsystem integrates with the application process and displays it fluently.
:::


#### Transitions

##### Add Financial Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cf88df39bc2e4bb0c0a5c 

> ![](https://i.imgur.com/FMQu1xb.png)


##### Add Non-Financial Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cfcc3067675745d60e4e0 

> ![](https://i.imgur.com/Qqb4p5C.png)


##### Delete Guarantor

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d04535b89ca60821a7e7b 

> ![](https://i.imgur.com/IhHaedg.png)

##### Cancel Application

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d11f6556c69c18eb421ff 

> ![](https://i.imgur.com/Sn4OLZx.png)

##### Additional Information

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643d1ba1067675762563d7a1 

> ![](https://i.imgur.com/WiP8WBC.png)



##### Send for Approval

**[Form Id](https://formio.github.io/formio.js/app/sandbox.html) :** 643cfe374f97da95c7fd85f2 

> ![](https://i.imgur.com/b1CW497.png)

Transition Zeebe Flow
![](https://i.imgur.com/I1ijYR2.png)
