Todo.cson

Recovery
  Add a page for list of those with loan show (loan amount, amount paid, due date, )
  set schedule to send reminder on due loans with notifications to admins
  set manual send reminder button

Test is_fully_repaid field for loan requests
Extract datatables options into a global object to DRY the code base

Email alert customisation

SMS alert not working

Implement proper cache busting

create a nullable field state in the debcard req table
add default false field is_merchant_paid to merchant transactions table to help reconcile whether the merchant has been paid for that transaction
add nullable reminded_at to the loan requests table
add default false is_fully_paid field to loan requests table