api-response

gistfile1.txt

{:status=>"ok", :hitcount=>"33", :infomsg=>"ReportGenerated", :currency=>"TZS", :general_information=>{:subject_id_number=>"19931008141220000124", :request_date=>Thu, 10 Oct 2024 21:00:00 +0000, :reference_number=>"75564508-11219230", :recommended_decision=>"Approve", :broken_rules=>"0"}, :personal_information=>{:full_name=>"REZA  LUTEGO", :date_of_birth=>Wed, 05 Jun 1985 21:00:00 +0000, :age=>"39", :gender=>"NotSpecified", :marital_status=>"NotSpecified", :employment_status=>"NotSpecified"}, :scoring_analysis=>{:cip_score=>"999", :cip_risk_grade=>"XX", :mobile_score=>"999", :mobile_score_risk_grade=>"XX", :conclusion=>nil, :policy_rules=>{:rule=>[{:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"SCR1"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"SCR2"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"SCR3"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"SCR4"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"SCR5"}]}}, :inquiries_analysis=>{:total_last7_days=>"0", :total_last1_month=>"0", :non_banking_last1_month=>"0", :policy_rules=>{:rule=>[{:result=>"NotEvaluated", :description=>nil, :@id=>"INQ1"}, {:result=>"NotEvaluated", :description=>nil, :@id=>"INQ2"}, {:result=>"NotEvaluated", :description=>nil, :@id=>"INQ3"}]}, :conclusion=>nil}, :current_contracts=>{:current_banking=>{:positive=>"0", :negative=>"0", :balance=>"0", :balance_at_risk=>"0"}, :current_non_banking=>{:positive=>"0", :negative=>"0", :balance=>"0", :balance_at_risk=>"0"}, :total=>{:positive=>"0", :negative=>"0", :balance=>"0", :balance_at_risk=>"0"}}, :past_due_information=>{:total_current_past_due=>"0", :total_current_days_past_due=>"0", :worst_current_past_due=>"0", :worst_current_days_past_due=>"0", :worst_past_due_last12_months=>"0", :worst_past_due_days_last12_months=>"0", :months_without_arrears_last12_months=>"0", :total_months_with_history_last12_months=>"0"}, :repayment_information=>{:total_monthly_payment=>"0", :closed_contracts=>"0"}, :policy_rules=>{:rule=>[{:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK1"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK2"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK3"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK4"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK5"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK6"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK7"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK8"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK9"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK10"}, {:result=>"NotEvaluated", :description=>"Rule is disabled. ", :@id=>"RSK11"}, {:result=>"NotEvaluated", :description=>"Rule is disabled.", :@id=>"CST1"}, {:result=>"NotEvaluated", :description=>"Rule is disabled.", :@id=>"CST2"}, {:result=>"NotEvaluated", :description=>"Rule is disabled.", :@id=>"CST3"}, {:result=>"NotEvaluated", :description=>"Rule is disabled.", :@id=>"CST12"}]}, :tza_cb5_data=>{:bounced_cheques=>nil, :branches=>{:number_of_branches=>"0"}, :cip=>{:record_list=>{:record=>[{:date=>Fri, 11 Oct 2024 13:32:32 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF", :description=>"Subject is not found in database"}, {:code=>"XNOC", :description=>"No contract in the database"}, {:code=>"XDAT", :description=>"Not enough data on borrower contracts to calculate the score"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Sun, 29 Sep 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Fri, 30 Aug 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Tue, 30 Jul 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Sat, 29 Jun 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Thu, 30 May 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Mon, 29 Apr 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Sat, 30 Mar 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Wed, 28 Feb 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Tue, 30 Jan 2024 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Sat, 30 Dec 2023 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Wed, 29 Nov 2023 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"NoChange"}, {:date=>Mon, 30 Oct 2023 21:00:00 +0000, :grade=>"XX", :probability_of_default=>"100", :reasons_list=>{:reason=>[{:code=>"XNOF"}, {:code=>"XNOC"}, {:code=>"XDAT"}]}, :score=>"999", :trend=>"Up"}]}}, :ciq=>{:detail=>{:lost_stolen_records_found=>"0", :number_of_cancelled_closed_contracts=>"0", :number_of_subscribers_made_inquiries_last14_days=>"0", :number_of_subscribers_made_inquiries_last2_days=>"0"}, :summary=>{:number_of_fraud_alerts_primary_subject=>"0", :number_of_fraud_alerts_third_party=>"0"}}, :contract_overview=>nil, :contract_summary=>{:affordability_history_list=>{:affordability_history=>[{:month=>"10", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"9", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"8", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"7", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"6", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"5", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"4", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"3", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"2", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"1", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2024"}, {:month=>"12", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2023"}, {:month=>"11", :monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :year=>"2023"}]}, :affordability_summary=>{:monthly_affordability=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}}, :debtor=>{:closed_contracts=>"0", :open_contracts=>"0"}, :guarantor=>{:closed_contracts=>"0", :open_contracts=>"0"}, :overall=>{:max_due_installments_closed_contracts=>"0", :max_due_installments_open_contracts=>"0", :worst_past_due_amount=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :worst_past_due_days=>"0"}}, :contracts=>nil, :current_relations=>nil, :dashboard=>{:cip=>{:grade=>"XX", :score=>"999"}, :ciq=>{:fraud_alerts=>"0", :fraud_alerts_third_party=>"0"}, :collaterals=>{:highest_collateral_value_type=>"NotSpecified", :number_of_collaterals=>"0"}, :disputes=>{:active_contract_disputes=>"0", :active_subject_disputes=>"0", :closed_contract_disputes=>"0", :closed_subject_disputes=>"0", :false_disputes=>"0"}, :inquiries=>{:inquiries_for_last12_months=>"1"}, :payments_profile=>{:number_of_different_subscribers=>"0", :worst_past_due_days_current=>"0", :worst_past_due_days_for_last12_months=>"0"}, :relations=>{:number_of_involvements=>"0", :number_of_relations=>"0"}}, :disputes=>{:summary=>{:number_of_active_disputes_contracts=>"0", :number_of_active_disputes_in_court=>"0", :number_of_active_disputes_subject_data=>"0", :number_of_closed_disputes_contracts=>"0", :number_of_closed_disputes_subject_data=>"0", :number_of_false_disputes=>"0"}}, :individual=>{:contact=>{:mobile_phone=>"+255745449592"}, :general=>{:birth_surname=>"LUTEGO", :citizenship=>"NotSpecified", :classification_of_individual=>"Individual", :country_of_birth=>"NotSpecified", :date_of_birth=>Wed, 05 Jun 1985 21:00:00 +0000, :education=>"NotSpecified", :employment=>"NotSpecified", :first_name=>"REZA", :full_name=>"REZA  LUTEGO", :gender=>"NotSpecified", :marital_status=>"NotSpecified", :nationality=>"TZ", :negative_status=>"NotSpecified"}, :identifications=>{:passport_issuer_country=>"NotSpecified", :voters_id=>"T-1000-6099-161-2"}, :main_address=>{:address_line=>"Tanzania", :country=>"NotSpecified"}, :secondary_address=>{:country=>"NotSpecified"}}, :inquiries=>{:inquiry_list=>{:inquiry=>{:date_of_inquiry=>Fri, 16 Aug 2024 12:10:34 +0000, :product=>"WS Creditinfo Report Plus", :reason=>"ApplicationForCreditOrAmendmentOfCreditTerms", :sector=>"Telecom", :subscriber=>"I&M BANK TANZANIA LIMITED (KAMILISHA)"}}, :summary=>{:number_of_inquiries_last12_months=>"1", :number_of_inquiries_last1_month=>"0", :number_of_inquiries_last24_months=>"1", :number_of_inquiries_last3_months=>"1", :number_of_inquiries_last6_months=>"1"}}, :managers=>{:number_of_managers=>"0"}, :parameters=>{:consent=>true, :id_number=>"11219230", :id_number_type=>"CreditinfoId", :inquiry_reason=>"ApplicationForCreditOrAmendmentOfCreditTerms", :report_date=>Fri, 11 Oct 2024 13:32:32 +0000, :sections=>{:string=>"CreditinfoReportPlus"}, :subject_type=>"Individual"}, :payment_incident_list=>{:summary=>{:due_amount_summary=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}, :outstanding_amount_summary=>{:currency=>"TZS", :local_value=>"0", :value=>"0"}}}, :report_info=>{:created=>Fri, 11 Oct 2024 13:32:33 +0000, :reference_number=>"75564508-11219230", :report_status=>"ReportGenerated", :requested_by=>"IDM User", :subscriber=>"I&M BANK TANZANIA LIMITED (KAMILISHA)", :version=>"573"}, :shareholders=>{:number_of_shareholders=>"0"}, :subject_info_history=>nil}, :extract=>{:national_id=>"19931008141220000124", :date=>Fri, 11 Oct 2024 13:32:33 +0000, :decision=>"Approve", :mobile_score=>"999", :mobile_grade=>"XX", :cip_score=>"999", :cip_grade=>"XX", :age=>"39", :date_of_birth=>Wed, 05 Jun 1985 21:00:00 +0000, :mobile_total_balance=>"0", :apd1_dpd=>"0", :all_contacts=>"255745449592", :mobile_phone=>"255780534741", :scr2_result=>"NotEvaluated", :scr2_parameter=>"530", :scr2_value=>"999", :scr4_result=>"NotEvaluated", :scr4_parameter=>"548", :inq2_result=>"NotEvaluated", :inq2_parameter=>"5", :inq2_value=>"0", :rsk3_result=>"NotEvaluated", :rsk3_parameter=>"2", :rsk4_result=>"NotEvaluated", :rsk4_parameter=>"1", :rsk6_result=>"NotEvaluated", :rsk6_parameter=>"3", :rsk6_value=>"0", :rsk7_result=>"NotEvaluated", :rsk7_parameter=>"1.1", :rsk10_result=>"NotEvaluated", :cst1_result=>"NotEvaluated", :cst1_parameter=>"23", :cst1_value=>"39", :cst2_result=>"NotEvaluated", :cst2_parameter=>"1000", :cst2_value=>"0", :cst3_result=>"NotEvaluated", :cst3_parameter=>"700000", :cst3_value=>"0", :cst12_result=>"NotEvaluated"}, :strategy=>{:id=>"315e6fde-7cdf-4961-a995-f8b1d688b1af", :name=>"Mobile Loan Strategy - IMB", :bee_strategy=>"MobileLoanStrategy", :template_name=>"TZA_IDM", :return_output_data_in_steps=>true}, :steps=>{:step=>{:id=>"315e6fde-7cdf-4961-a995-f8b1d688b1af", :name=>"Mobile Loan Strategy - IMB", :bee_strategy=>"MobileLoanStrategy", :template_name=>"TZA_IDM", :return_output_data_in_steps=>true, :strategy_response=>{:status=>"ok", :infomsg=>"ReportGenerated"}}}, :@xmlns=>"http://creditinfo.com/schemas/2012/09/MultiConnector/Connectors/INT/IdmStrategy/Response"}