Banker Configuration

Job Setup

BankerConfig.JobName = 'banker'

• Job required to access loan system.

Grade Permissions

BankerConfig.JobGrades = { ... }

Controls what each grade can do:

• originateLoanMinGrade → create loans
• manualCollectMinGrade → collect payments
• hardCollectMinGrade → advanced actions
• debtCollectorMinGrade → field collection

Tablet System

BankerConfig.TabletItem = 'banker_tablet'

• Item to open banker UI.

BankerConfig.Desk = { ... }

• Physical locations where UI can be accessed.

Loan Agreement Item

BankerConfig.LoanAgreementItem = 'loan_agreement'

Loan Signing

BankerConfig.LoanSignExpirySeconds = 900

• Time borrower has to accept loan.

Test Mode

BankerConfig.TestMode = true

• Allows:
  • Self-loans
  • Test alerts

Loan Account

BankerConfig.LoanAccount = {
    label = 'Loan'
}

• Separate account created per loan.

Banker Commission

BankerConfig.Commission = {
    percentOfPrincipal = 10
}

• Banker earns % on loan approval.

Society Lending

BankerConfig.SocietyLending = { enabled = true }

• Loan money comes from society account.

Credit Score System

BankerConfig.CreditScore = { ... }

• Default: 580
• Range: 300–850

Affects:

• Loan approval
• Interest rate
• Max loan amount

Loan Limits

BankerConfig.MaxActiveLoansPerBorrower = 2

Credit Gating

BankerConfig.CreditGating = { enabled = true }

• Restricts big loans unless player has history.

Loan Products

BankerConfig.LoanProducts = {
    personal = {...},
    business = {...},
    home = {...}
}

Each product defines:

• Interest rate
• Min/max amount
• Term duration
• Credit scaling

Repayment System

BankerConfig.Repayment = { ... }

Includes:

• EMI cycle (periodSeconds)
• Grace period
• Late penalties
• Missed payment tracking

Loan Penalties

• Late fee: % of EMI
• Account lock after missed payments
• Forced liquidation after multiple misses

Debt Collector System

BankerConfig.DebtCollector = { ... }

Features:

• NPC clerk
• Collection van
• Field RP system