Aakash2802/Micro-Loan ? reverse-engineered prompt

Build me a micro loan and EMI management app called LoanSphere that works for an admin, loan officer, and customer.

I want a full stack web app where staff can onboard customers with KYC, create loan products, approve and disburse loans, and record payments with late penalties when needed. Customers should be able to log in, see their active loans, EMI schedule, payment history, upcoming dues, and download a loan statement or receipt. Make the EMI math use a reducing balance style calculation and show a preview before creating a loan.

Please include a clean dashboard with charts and basic analytics for collections, overdue loans, and overall loan activity. Add role based access so each person only sees what they should. Use React on the front end, Node and Express on the backend, MongoDB for storage, and JWT login. Also add PDF report generation and simple export support if possible. If you need to check current docs for any library details, look them up online.