💰 Employee Credit Finance Dashboard

Capital lending model with default risk — semi-monthly repayment

📐 Loan Parameters

Total Capital (₱)

Your Borrowing Rate (% /mo)

0.70%

Lending Rate to Employees (% /mo)

5.00%

Max Loan per Employee (₱)

Employee Loan Term (months)

6 mo

Capital Loan Term (months)

12 mo

⚠️ Default Risk Settings

Expected Default Rate (% of employees who won't pay)

5.0%

0% Safe15% Caution30% Danger

Recovery Rate (% recovered from defaulters)

30%

💡 Recovery = salary deduction, guarantor, or partial payment.

Stress Test Scenarios

💸 Monthly Interest Flow

📉 Default Impact Breakdown

📊 Monthly Cash Flow

💡 Risk-Adjusted Summary

👥 Employee Loan Tracker

Manage individual loans, rates, terms, and payment schedules

⬆️ Import

🔥 Firebase sync active — data saved to cloud in real-time. Access from any device.

🔍

Employee	Loan Amount	Rate /mo	Term	Payment	Interest to Collect	Start Date	Status	Progress	Actions

📈 Account Summary

Overview of all loan activity

💰 By Status

📅 Upcoming Collections

🏆 Top Borrowers by Amount

📊 Interest Earned Per Cutoff

✅ Completed Loans

Fully paid-off loans — archived for reference

Employee	Loan Amount	Rate /mo	Term	Total Interest Earned	Total Collected	Start Date	Completed	Actions

Cutoff Date

#	Employee	ID	Loan Amount	Payment #	Amount Due	Principal	Interest	Remaining Balance	Status

Employee Name

Company / Agency

Loan Amount (₱)

Interest Rate (% /month)

Interest Type

Payment Method

Number of Payments

Loan Date

Status

Notes

📋 Loan Preview

📅 Payment Schedule

#	Due Date	Payment	Principal	Interest	Balance