# MIB Financing API

## Overview

Financing data is fetched from the MIB **WebView** host (`faisamobilex-wv.mib.com.mv`), which is separate from the API host (`faisanet.mib.com.mv`). The response is an HTML page; financing deal data is embedded in `data-*` attributes on card elements.

---

## Endpoint

```
GET https://faisamobilex-wv.mib.com.mv/financing?dashurl=1
```

### Authentication

Session cookies from the login flow must be sent with the request:

| Cookie         | Value                                       |
|----------------|---------------------------------------------|
| `mbmodel`      | `IOS-1.0` (literal string)                  |
| `xxid`         | Session ID from login (`MibSession.xxid`)   |
| `IBSID`        | Same as `xxid`                              |
| `mbnonce`      | `nonceGenerator` string from login response |
| `time-tracker` | `597` (literal string)                      |

### Request Headers

| Header             | Value                              |
|--------------------|------------------------------------|
| `User-Agent`       | Standard Android WebView UA string |
| `X-Requested-With` | `mv.com.mib.faisamobilex`          |

---

## Response

**Content-Type:** `text/html; charset=UTF-8`

The response is a full HTML page. Each financing deal is represented as a `<div>` with the class `finance-card-holder` and all deal fields embedded as `data-*` attributes:

```html
<div class="card border finance-card-holder"
    data-productDesc       = "Product Name"
    data-dealStatus        = "P"
    data-statusDesc        = "Approved"
    data-dealAmount        = "10000.00"
    data-dealNo            = "12345"
    data-paidAmount        = "2500.00"
    data-outstandingAmount = "7500.00"
    data-dealDate          = "2024-01-15 00:00:00"
    data-overdueAmount     = "0"
    data-installmentAmount = "500.00"
    data-noOfInstallments  = "24"
    data-lastPaidDate      = "2026-05-01 00:00:00"
    data-lastPayAmount     = "500.00"
    data-financeCurrency   = "462"
    data-curCodeDesc       = "MVR">
```

### Data Fields

| Field                 | Type    | Description                                          |
|-----------------------|---------|------------------------------------------------------|
| `productDesc`         | String  | Product name (e.g. "Ujalaa CG Finance")              |
| `dealStatus`          | String  | Status code: `P` = Active/Pending                    |
| `statusDesc`          | String  | Human-readable status (e.g. "Approved")              |
| `dealAmount`          | Decimal | Total financing amount                               |
| `dealNo`              | Integer | Unique deal/contract number                          |
| `paidAmount`          | Decimal | Amount paid to date                                  |
| `outstandingAmount`   | Decimal | Remaining unpaid balance                             |
| `dealDate`            | String  | Contract start date (`yyyy-MM-dd HH:mm:ss`)          |
| `overdueAmount`       | Decimal | Amount currently overdue (0 if none)                 |
| `installmentAmount`   | Decimal | Monthly installment amount                           |
| `noOfInstallments`    | Integer | Total number of installments                         |
| `lastPaidDate`        | String  | Date of most recent payment (`yyyy-MM-dd HH:mm:ss`)  |
| `lastPayAmount`       | Decimal | Amount of most recent payment                        |
| `financeCurrency`     | Integer | Currency code (462 = MVR)                            |
| `curCodeDesc`         | String  | Currency abbreviation (e.g. "MVR")                   |

### Parsing Strategy

Use a regex to find all elements with class `finance-card-holder`, then extract all `data-*` attribute key/value pairs from each match:

```kotlin
val cardPattern = Regex("""finance-card-holder[^>]+>""")
val attrPattern = Regex("""data-(\w+)\s*=\s*"([^"]*)"""")
```

---

## Completion Date Estimation

Remaining installments can be estimated from outstanding and installment amounts:

```
remainingInstallments = ceil(outstandingAmount / installmentAmount)
completionDate = today + remainingInstallments months
```

---

## Notes

- The WebView endpoint uses a different subdomain (`faisamobilex-wv`) from the encrypted API (`faisanet`).
- No encryption is used; the session is maintained purely via cookies.
- The HTML is served gzip/brotli compressed; OkHttp handles decompression automatically.
- The `time-tracker` cookie value appears to be static at `597` — its purpose is unclear, but omitting it may affect behavior.
- Known product names include consumer goods finance and cash financing variants.