Loan Audit Report

NextPayday Finance Limited · Generated {{ $generatedAt->format('d M Y, H:i') }} by {{ $generatedBy->name ?? 'Admin' }}

Reference {{ $statement['loan']['reference'] }}	Borrower {{ $statement['borrower']['name'] ?? '—' }}	Principal ₦{{ number_format($statement['loan']['principal'], 2) }}	Status {{ $statement['loan']['status_label'] }}
Phone {{ $statement['borrower']['phone'] ?? '—' }}	Tenure {{ $statement['loan']['duration_months'] }} months	Start Date {{ $statement['loan']['start_date'] ?? '—' }}	Referrer {{ $loan->referrer?->name ?? '—' }}
Reason for booking {{ data_get($loan->meta, 'purpose') ?: 'Not provided' }}
Total Repayable ₦{{ number_format($statement['loan']['total_repayable'], 2) }}	Amount Paid ₦{{ number_format($statement['summary']['amount_paid'], 2) }}	Amount Outstanding ₦{{ number_format($statement['summary']['amount_outstanding'], 2) }}	Remaining Balance ₦{{ number_format($statement['summary']['remaining_balance'], 2) }}

Repayment Schedule

@if(count($statement['repayment_schedule']) === 0)

No repayment schedule on file.

@else @foreach($statement['repayment_schedule'] as $schedule) @endforeach

#	Due Date	Amount (₦)	Status	Method	Paid At
{{ $schedule['installment_number'] }}	{{ $schedule['due_date'] ?? '—' }}	{{ number_format($schedule['amount'], 2) }}	{{ ucfirst($schedule['status']) }}	{{ $schedule['collection_method'] ?? '—' }}	{{ $schedule['paid_at'] ? \Carbon\Carbon::parse($schedule['paid_at'])->format('d M Y, H:i') : '—' }}

@endif

@if($adminActions->isEmpty())

No admin actions recorded for this loan.

@else @foreach($adminActions as $log) @endforeach

Date	Action	Admin	Details
{{ $log->created_at->format('d M Y, H:i') }}	{{ str_replace('_', ' ', ucfirst($log->action)) }}	{{ $log->admin?->name ?? '—' }}	{{ json_encode(array_filter(array_merge($log->payload ?? [], $log->changes ?? []))) }}

@endif

@if($activityLogs->isEmpty())

No payment activity recorded for this borrower.

@else @foreach($activityLogs as $log) @endforeach

Date	Type	Status	Provider	Amount (₦)	Description
{{ $log->created_at->format('d M Y, H:i') }}	{{ $log->activity_type }}	{{ ucfirst($log->status ?? '—') }}	{{ $log->provider ?? '—' }}	{{ $log->amount ? number_format((float) $log->amount, 2) : '—' }}	{{ $log->description ?? '—' }}

@endif

This document is a system-generated audit trail for internal recovery operations review.