@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#>.
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#>.
@prefix owl: <http://www.w3.org/2002/07/owl#>.
@prefix fibo-fbc-fi-fi: <https://spec.edmcouncil.org/fibo/ontology/FBC/FinancialInstruments/FinancialInstruments/>.
@prefix lending: <https://ourbank.com/ontology/lending/>.

#
# PROPRIETARY LENDING ONTOLOGY
# Version: 1.0.0
#
# This ontology extends the Financial Industry Business Ontology (FIBO)
# to include concepts, classes, and properties specific to this
# institution's lending operations.
#

#
# Class Definition for a proprietary Loan Covenant
#
# This defines a specific condition or restriction in a loan agreement
# that the borrower must comply with, such as maintaining a certain
# debt-to-equity ratio. It inherits its foundational properties from
# FIBO's FinancialInstrumentTerm.
#
lending:LoanCovenant a owl:Class ;
    rdfs:subClassOf fibo-fbc-fi-fi:FinancialInstrumentTerm ;
    rdfs:label "Loan Covenant" ;
    rdfs:comment "A specific condition or restriction in a loan agreement that the borrower must comply with, such as maintaining a certain debt-to-equity ratio.".

#
# Object Property to link a Loan to a Covenant Violation
#
# This defines the relationship that indicates a loan is currently
# in violation of a specific covenant.
#
lending:violatesCovenant a owl:ObjectProperty ;
    rdfs:label "violates covenant" ;
    rdfs:domain fibo-fbc-fi-fi:Loan ;
    rdfs:range lending:LoanCovenant ;
    rdfs:comment "A relationship indicating that a loan is currently in violation of a specific covenant.".