CreditAppDemo

CreditApp is a modern Android application demo designed for digital credit applications. It features a complete end-to-end flow from application listing to a multi-step submission process with simulated document verification and automated scoring results.

🚀 Features

• Dashboard / Application List: View all existing loan applications in a clean, card-based RecyclerView with status and risk level indicators.
• Multi-Step Form Flow: A seamless 4-step process for submitting new credit applications:
  1. Formulir: Interactive form with real-time validation.
  2. Verifikasi Dokumen: Simulated OCR and document authenticity check.
  3. Processing: Automated background scoring simulation.
  4. Results: Detailed scoring breakdown including risk indices and system recommendations.
• Modern UI/UX:
  • Full Edge-to-Edge support for a truly modern feel.
  • Jetpack Navigation Component for robust fragment transitions.
  • Material Design 3 components.
• Robust Architecture:
  • Single Activity Architecture.
  • Clean Architecture principles with clear separation of Data, Domain, and UI layers.
  • Shared ViewModel for consistent state management across the form flow.

🌐 API Documentation

The application integrates with two primary backend endpoints to manage the credit lifecycle.

1. Fetch Application List

• Endpoint: GET /loan-applications
• Purpose: Retrieves a paginated list of loan applications. This is used to populate the main dashboard, showing the customer name, requested amount, current status, and risk level.
• Sample Response:

{
  "status": "success",
  "message": null,
  "data": {
    "content": [
      {
        "id": "550e8400-e29b-41d4-a716-446655440000",
        "applicationNumber": "APP-101",
        "customerName": "John Doe",
        "requestedAmount": 50000000,
        "status": "APPROVED",
        "riskLevel": "LOW",
        "submittedAt": "2026-05-01T10:00:00Z"
      }
    ],
    "pageNumber": 0,
    "pageSize": 10,
    "totalElements": 1,
    "totalPages": 1
  }
}

2. Submit Loan Application

• Endpoint: POST /{id}/submit
• Purpose: Submits the final credit application data for automated scoring. It triggers the background risk evaluation and returns the detailed scoring result.
• Sample Response:

{
  "traceId": "uat-1714275000000-ab12cd",
  "evaluatedAt": "2026-04-28T02:00:00.000Z",
  "result": {
    "kolektibilitas": 1,
    "kolektibilitasLabel": "Lancar",
    "internalScore": 93,
    "breakdown": {
      "paymentHistory": 82,
      "income": 100,
      "debtToIncome": 100,
      "dtiRatio": 1.0
    },
    "recommendation": "Sangat baik: profil pembayaran lancar, layak diprioritaskan."
  }
}

🛠 Tech Stack

• Language: Kotlin
• Dependency Injection: Hilt
• Networking: Retrofit + Gson
• Coroutines & Flow: For asynchronous operations and reactive UI updates.
• Jetpack Components:
  • Navigation Component
  • ViewModel & LiveData/Flow
  • ViewBinding
  • Activity & Fragment KTX
• Build System: Gradle Kotlin DSL + Version Catalog (libs.versions.toml)

🏗 Setup & Installation

1. Clone the repository:

   git clone git@github.com:blasiusneri/CreditApp.git

2. Open the project in Android Studio (Ladybug or newer).
3. Sync the project with Gradle files.
4. Run the app on an Emulator or physical device.

📝 Demo Notes

• The project uses a Mock Repository implementation by default. This allows you to experience the full flow without needing a live backend.
• To connect to a real server, simply update the BASE_URL in NetworkModule.kt and revert the mock implementation in KreditRepositoryImpl.kt to use the LoanService.

📸 Screenshots

• Loan List

• Loan From Step 1

• Loan From Step 2

• Loan From Step 3

• Loan From Step 4

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Developed by Blasius Neri