I'm a passionate Open Source Developer with a knack for crafting efficient and effective software solutions 💻. I enjoy building systems that are easy to audit, predictable in behavior, and practical in real business workflows.

• 🌱 Currently improving my Python skills 🐍 while still shipping production work in PHP/Laravel.
• 🧮 I enjoy translating business rules into clean, testable logic (especially finance/repayment/settlement workflows).
• 🎶 Music is the rhythm of my life.
• ⚡ Fun fact: I love superhero movies 🍿, and I enjoy delving deep into the heart of Linux systems 🐧.

PISOL is a loan servicing workflow I’ve been working on, focused on settlements, repayments, and lifecycle automation.

• Settlement calculation logic with clear, auditable formulas (principal + accrued charges − payments received).
• Flat monthly interest cycle model aligned to calendar months:
  • Disbursement does not start a mid-month prorated cycle.
  • First interest cycle runs from disbursement date → end of the next month (counts as one full month interest).
  • Subsequent cycles follow strict calendar-month alignment.
• Admin/maintenance fee handling (e.g., monthly admin fee accrual, unpaid maintenance charges).
• Gross repayment-based settlement support:
  • Settlement = P + AI + AAF - GR
  • Where GR includes repayment + total admin fee paid.
• Loan closure automation idea to reduce manual ops:
  • Automatically update loan status from running → liquidated once repayment completion rules are met.
  • Practical approach for shared hosting environments (e.g., cron-based checks + safe idempotent updates).

• Turning policy into logic without ambiguity (cycle definitions, “chargeable cycles”, and edge cases).
• Writing calculations that remain consistent across UI, database, and reports.
• Thinking operationally: how to eliminate repetitive manual actions with reliable automation.