Loans (Repayments, Interest, Banker Job & More)

Can't wait to try this update, Thank you so much!

[KBRP] Marius Proto XaZ I just pushed an update that adds a bunch of options that should help counter abuse.

Unfortunately DropMoney and GiveMoney in DarkRP does not have a hook prior to executing, only after. I'll need to then use those hooks to "revert" the drop of money/giving money and notifying player that receives them, that it was reverted.

It's not optimal, but it's the best I can do. This will have to wait for next update though.

XaZ Thanks for your message!

Earning credit score by being online (x minutes) is on the todo list and will be added in the next update.

I'll also add a minimum amount of money the player must have to apply for a loan as a config and see what I can do about blogs as well.

XaZ

I think both of your suggestions are awesome and make sense!

Crap-Head Proto How about the credit score for the solution?

Ex the base to get access to a loan is a scrore of 500(or what the minimum credit score in the config is set too). There could be a possibility to make a new player with a score of 250(it's in the config could be 0 too) and make a time system that add X of credit score after X time and will stop at 500(or what the minimum credit score in the config is set too) of score. (New player won't be able to make a loan) Than after 500, the score is calculated by what the script is doing at moment (how well a player pay back).

This could add a nice way for player with a bad credit score (under the minimum credit score to loan) to build back their credit score to be able to make a loan after X time.

This solution might be a good way to prevent exploit because it will take them time.

There could aslo have a blogs trigger when a player is at the minimum credit scrore to make a loan so staff could look into it too.

Also with ch_atm if the player don't have under X$ in his bank account, he cannot make a loan too.

These would add a lot to the addon too!

I think that's an appropriate solution :)

[KBRP] Marius I'll look into adding configs for the restrictions in the next update. But I doubt I'll put the responsibility on the banker, since that's unrealistic and gives them a much bigger responsibility. People will abuse it even more to bankrupt bankers by not paying loans back.

Proto I think solution 1 would be the easiest solution to implement as a config for now. Loans are already linked with SteamIDs, and IP detection isn't ideal to implement. As for an admin menu, perhaps I should implement blogs support for taking loans and failed payments. This would give an idea if somebody abused the system and went MIA in worst case.

Crap-Head

I think you need to add an additional config as you suggested limiting the amount of loans people can apply for, and leave it at 3 for default. Also, add a config limiting the amount that can be borrowed, irrespective of money in the bank, say $500,000 maximum can be borrowed by default.

A suggestion to rectify [KBRP] Marius's point is that you add a module where if someone were to abuse the system, ie: Has $10,000,000 -> Borrows $1,000,000 -> Gives $11,000,000 to another player -> Quits the server entirely -> Rejoins on an Alt Account = $1,000,000 has been cheated into the economy, consider the following:

Solution 1) NOT IDEAL = Anyone with an active loan cannot /dropmoney, /givemoney or use CH ATM card readers.

Solution 2) Make it so the loan is linked to your steam ID and/or IP Address. This way, even if you log in on an alt account on your PC, the addon recognises this and will continue to take repayments from you. A funny notification upon rejoining on the alt can be "Ah, we've been looking for (name) but they've vanished. You're related, right? Well, you need to repay their debt, since they've failed to adhere to their contract. Sorry!"

Solution 3) A notification is sent to a hidden "Admin" menu within the Loans NPC whenever someone does a /dropmoney or /givemoney command when they have an active loan, within a configurable time before leaving the server - ie: Player has active loan -> /givemoney (name) (amount) -> *leaves server 5 mins later*. If the player doesn't rejoin within 7 days, a notification is sent back to the "Admin" menu of the Loans NPC stating "potential (dropped amount) by (steam ID) illegitimately entered into economy, has not rejoined within 7 days".

It's a very difficult issue to rectify, but luckily 99% of people wouldn't go to this length to exploit. But then again, you never know.

Amazing addon as always Crap, I'm really enjoying it!

GLWS, Dope addon!!

Crap-Head That sounds like a cool solution for now. Maybe add a config that makes that the Banker loses the money he give to the player, so basically the "risk" has the banker. so the money come and go to players.

GLWS !

GLWS, looks nice!

[KBRP] Marius

A banker should probably be cautious when approving loans. You can restrict the banker job to specific players, whitelist, usergroups, etc.

Additionally, if you think it will help, I can add a max clamp of money they can loan? So even with a positive credit score, pre-approval and 10 mil in the bank, the maximum would be clamped to the config? I could also add an option of max pending/accepted loans at once to stop players from applying for more loans?

There is already a config that disallows loaning when reaching a certain low credit score automatically. So if they fail to pay their loans back, they will quickly go below the treshold.

There is only so much I can do to stop players from abusing the system, but I am very interested in hearing if you have any ideas to help.

Crap-Head What if he give a player all his money (11mil) and leave? Or Get a sub account, give him 20 mil, take 2 million credit, give back, and do it again, and so on.

Thanks everyone!

[KBRP] Marius The repayments are also deducted while the player is offline.

So if he takes a loan of 1 million (10 mil needed) and then gives the million away, he still has 10 mil to pay off the debt while he is offline.

I have a question, the system is very cool but actually also useless because a player could simply take 1.000.000€ credit (of course, he would need 10.000.000€ capital for this, but let's say a player is aware that he will leave the server) then he would take a million euro credit, give it to a player and go offline. This would mean that €1,000,000 would be “cheated” in the economy. Do you have a solution for that?

Lad your UI just gets better with every addon. GLWS

Good stuff. love seeing the stuff you guys put out there.

GLWS, nice idea & work !

Interessant! ;)

glws !