good first issuehelp wantedpayment
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描述
Design POST /api/v1/loans/request to allow members to request a loan. Request Body:
{ "member_id": "uuid", "amount": 15000, "purpose": "string", "duration_months": 6 }
Validate contribution threshold before eligibility
Auto-status: "pending"
Return loan request summary
Log event in loan_audit table