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## APPLICATION OVERVIEW
"CreditRisk AI" is a web application designed to analyze the creditworthiness of businesses seeking commercial loans. Leveraging artificial intelligence, the platform simulates risk assessments and generates automated financial analyses, making it an essential tool for financial institutions and businesses in the fintech sector.

## CORE FEATURES
1. **Credit Evaluation Form**: A user-friendly form allowing input of business details like RUC, company name, requested amount, and loan duration, culminating in an "Analyze Credit Risk" button.
2. **Credit Report Simulation**: An intelligent simulation that generates credit reports with key indicators such as credit score, debt levels, payment history, and financial risk classification.
3. **AI Analysis Engine**: Presents an automated financial report including stability levels, risk ratings, and credit recommendations based on the simulated analysis.
4. **Guarantee Recommendations**: Automatically suggests types of collateral based on detected risk levels, displayed in visual card format.
5. **Results Dashboard**: A comprehensive dashboard showcasing credit scores, detected risks, payment probabilities, and financial capacity, enhanced with graphical representations.
6. **Historical Records Management**: Allows users to save and export evaluations, featuring functionalities for PDF and Excel downloads.

## DESIGN SPECIFICATIONS
- **Visual Style**: minimalist - Clean, simple design with plenty of white space, minimal color palette, and focus on typography
- **Color Mode**: Light theme with dark text on light backgrounds
- **Primary Color**: #1978E5 (accent for buttons, links, highlights)
- **Typography**: Use Inter from Google Fonts for headings, Inter for body text and UI elements
- **Border Radius**: 8px (moderately rounded) for buttons, cards, and inputs
- **Layout**: The main layout includes a responsive grid for the dashboard, vertical navigation for user actions, and clear separation of sections for forms and results, ensuring a seamless user experience.

## TECHNICAL REQUIREMENTS
- **Framework**: React with TypeScript
- **Styling**: Tailwind CSS
- **UI Components**: shadcn/ui
- **State Management**: Redux or Context API for state management if needed

## IMPLEMENTATION STEPS
1. **Set Up Development Environment**: Initialize a React project with TypeScript, install Tailwind CSS, and configure shadcn/ui components.
2. **Design Layout**: Create a responsive layout that incorporates a header, sidebar for navigation, main content area for forms and dashboards, and a footer.
3. **Develop Credit Evaluation Form**: Construct the form component to capture user inputs and link it with validation.
4. **Implement AI Simulation Logic**: Develop the logic for simulating the credit report generation and create mock data for testing.
5. **Create Dashboard Components**: Design the dashboard to display results with graphs and key metrics using dynamic data.
6. **Set Up Historical Data Management**: Implement functionality to save evaluation results and allow users to download reports.
7. **Optimize for User Experience**: Incorporate loaders, dynamic messages, tooltips, and visual effects to enhance interactions.
8. **Testing and Debugging**: Conduct thorough testing to ensure all components function correctly and are free of bugs.

## USER EXPERIENCE
The application provides a seamless user experience with intuitive navigation and responsive design. Users will start by filling out the credit evaluation form, which prompts an AI-driven analysis. The results are displayed in an organized dashboard with visual indicators of risk, historical data management, and easy export options for reports, ensuring efficient access to critical financial information.