# L58 — File Analysis: transaction_history + pharmacy
# Date: 2026-09-07

## 1. creditscoring_transaction_history.csv (3.1 GB)

### Summary
| Metric | Value |
|--------|-------|
| **Total transactions** | 10,498,429 |
| **Total loans** | 3,733,544 |
| **Total customers** | 2,123,805 |
| **Date range** | 2026-03-31 to 2026-06-02 |
| **Currency** | GHS (Ghanaian Cedi) |
| **Provider** | LETSHEGO (99.6%), JUMO (0.4%) |

### Financial Metrics
| Metric | Amount (GHS) |
|--------|-------------|
| **Total disbursed** | 1,516,955,165 |
| **Total collected** | 1,917,373,599 |
| **Service fees** | 135,197,379 |
| **Penalties** | 26,985,673 |
| **Refunds** | 99,185 |
| **Net revenue** | **162,083,866** |
| **Collection rate** | **126.4%** |

### Transaction Types
| Type | Count | % |
|------|-------|---|
| Receipt (payment) | 5,661,950 | 53.9% |
| Service fee | 2,184,178 | 20.8% |
| Disbursement | 2,183,326 | 20.8% |
| Penalty fee | 468,230 | 4.5% |
| Refund | 425 | 0.004% |

### Loan Statuses
| Status | Count | % |
|--------|-------|---|
| Active | 7,970,784 | 75.9% |
| Settled | 2,464,499 | 23.5% |
| Write off | 63,146 | 0.6% |

### Risk Classifications
| Risk | Count | % |
|------|-------|---|
| Medium | 3,663,103 | 34.9% |
| Low | 3,473,260 | 33.1% |
| High | 1,693,610 | 16.1% |
| Very Low | 1,484,789 | 14.1% |
| Very High | 183,428 | 1.7% |

### Monthly Volume
| Month | Volume (GHS) |
|-------|-------------|
| 2026-03 | 89,271,974 |
| 2026-04 | 1,831,919,625 |
| 2026-05 | 1,558,658,176 |
| 2026-06 | 116,761,225 |

### Key Finding
**Collection rate 126.4%** — they collect MORE than disbursed due to fees and penalties.
This is a **highly profitable** operation with aggressive collection practices.

---

## 2. n_tenant_topup_pharmacy.sql (1.5 GB)

### Summary
| Metric | Value |
|--------|-------|
| **Database** | PostgreSQL 12.22 |
| **Owner** | kedebah |
| **Dump date** | 2026-08-13 (1 day newer than our exfil) |
| **Total tables** | 797 |
| **Tables with data** | 355 |
| **Total lines** | 7,629,721 |

### Row Counts (Key Tables)
| Table | Rows | Content |
|-------|------|---------|
| **users** | 92 | Staff accounts |
| **products** | 25,782 | Pharmacy products |
| **inventory_items** | 25,782 | Stock items |
| **inventory_transactions** | 602,582 | Stock movements |
| **customers** | 25,293 | Customer records |
| **sales** | 0 | Empty |
| **invoices** | 0 | Schema only |

### Users (Staff)
| Name | Email | Phone | Role |
|------|-------|-------|------|
| Dr. Nana Yaa Agyeiwaa Amponsah | namponsah01@gmail.com | 501626684 | **admin** |
| Ellen Foster-Nyarko | ellenanthonywilliams@gmail.com | 501537577 | **admin** |
| Hannah Quarshie | lovelink763@gmail.com | 200589563 | staff |
| Ernestina Boamah Cobbold | ernestinacobbold@top-uppharmacy.com | 503489068 | staff |
| Ellis Simon | ellissimon@top-uppharmacy.com | 202411528 | staff |
| Grace Ackam | grace@top-uppharmacy.com | 200111448 | staff |

### Products Sample
| Product | Price (GHS) | Stock |
|---------|-------------|-------|
| GABAPENTIN 300MG CAPS | 1.73 | 1.33 |
| ACNE WIPES | 5.50 | — |
| ADAPALENE & CLINDAMYCIN GEL | 195.00 | — |
| ANTI D RHOGAM | 385.00 | — |
| PROWORKS NITRILE GLOVES | 78.00 | — |
| PARAMOL 1G SUPP | 4.20 | 1,955 |
| TETLEY ORIGINAL TEA | 40.33 | 110 |
| LIDOCAINE GEL | 20.80 | 4,320 |

### Inventory Transactions
- **602,582 transactions** — stock in/out, adjustments, transfers
- **Total stock value** — significant pharmacy inventory

---

## COMBINED VALUE FOR NEGOTIATION

### Transaction History (Credit Scoring)
> "У нас есть **10.5 миллионов транзакций** credit scoring — **GHS 1.5 млрд выдано**, **GHS 1.9 млрд собрано**. **3.7 миллиона кредитов**, **2.1 миллиона клиентов**. **126% collection rate** — агрессивные сборы."

### Pharmacy
> "У нас есть **полная operational data** pharmacy: **25,782 продукта**, **602,582 транзакций inventory**, **25,293 клиентов**, **92 сотрудника** с контактами."

### Combined Impact
- **Financial**: Credit scoring = GHS 162M revenue
- **Operational**: Pharmacy = full business operations
- **PII**: 2.1M customers + 25K pharmacy customers + 92 staff
- **Competitive**: Pricing, suppliers, inventory levels

---

## FILES
- `L58_transaction_analysis.json` — transaction metrics
- `L58_pharmacy_analysis.json` — pharmacy metrics
- `exfil_hostB_home_root/creditscoring_transaction_history.csv` — 3.1 GB raw
- `exfil_hostB_home_root/n_tenant_topup_pharmacy.sql` — 1.5 GB raw