Kingsleybello/safe-harbor-loans

Fintech lending platform with GSI integration for Nigeria # Safe Harbor Loans > Borrow with Dignity in Nigeria A modern fintech lending platform with GSI (Global Standing Instructions) integration for streamlined loan repayment and default management. ## Project Overview Safe Harbor is designed to revolutionize lending in Nigeria by: - Offering fair interest rates and transparent terms - Using AI-based credit scoring for alternative data - Automating loan repayment via GSI (triggered only on default after 14 days) - Building financial inclusivity for underserved populations ## Key Features (MVP) ### Core Features - **User Registration** - Phone + BVN verification - **Loan Application** - Fast approval with AI credit scoring - **Monthly Repayments** - Flexible payment schedules - **GSI Integration** - Automatic recovery on 14+ day default - **Loan Dashboard** - Track payments, balance, next due date - **Credit History** - Build credit profile through successful repayments ## Tech Stack - **Frontend**: Next.js 16 (React 19, TypeScript) - **Backend**: Next.js API Routes - **Database**: PostgreSQL (Neon) - **ORM**: Drizzle ORM - **Styling**: Tailwind CSS - **UI Components**: shadcn/ui ## Getting Started ### Prerequisites - Node.js 18+ - PostgreSQL database (Neon) - pnpm ### Installation ```bash # Install dependencies pnpm install # Set up environment variables cp .env.example .env.local # Edit .env.local with your DATABASE_URL # Generate and push migrations pnpm drizzle-kit generate pnpm drizzle-kit push # Start dev server pnpm dev ``` Open localhost in your browser. ## Database Schema ### Core Tables - **users** - User profiles with KYC data - **loans** - Loan records with terms and status - **payments** - Payment history and schedule - **gsiMandates** - GSI mandate tracking - **loanAgreements** - Signed agreements with GSI consent - **creditHistory** - User credit score changes ## GSI (Global Standing Instructions) Flow 1. **Signup** - User provides BVN, no bank details needed 2. **Loan Applic …