README.md

🏦 Conventional Bank-Style Loan Manager (ETH-based)

A Solidity smart contract system that simulates a traditional bank loan mechanism using ETH as the base currency.
It supports collateralized loans, interest, penalties, and liquidation logic, while being upgradeable and secure against common vulnerabilities.

✨ Features

• 💰 ETH-Denominated Loans — Borrow and repay in ETH.
• 🧍 Role-Based Access Control — Custom AccessControl system to manage privileged roles.
• 📊 Interest & Penalty Management — Configurable interest rates and penalties for late payments.
• 🛡 Collateralization — Each loan requires collateral; automatic liquidation if collateral ratio falls below threshold.
• 🔐 Reentrancy Protection — Uses OpenZeppelin’s ReentrancyGuardUpgradeable.
• 🧠 Upgradeable Architecture — Built with Initializable for use in proxy patterns.
• ⏱ Time Utilities — Helper library for time calculations in loan schedules.