IDENTIFICATION DIVISION.
       PROGRAM-ID. LOAN-MGMT.

       ENVIRONMENT DIVISION.
       INPUT-OUTPUT SECTION.
       FILE-CONTROL.
           SELECT LOAN-FILE ASSIGN TO "data/loans.csv"
               ORGANIZATION IS LINE SEQUENTIAL.

       DATA DIVISION.
       FILE SECTION.
       FD LOAN-FILE
           RECORDING MODE F
           LABEL RECORDS ARE STANDARD.
       01 LOAN-RECORD          PIC X(1024).

       WORKING-STORAGE SECTION.
       01 EOF                   PIC X VALUE 'N'.
       01 WS-LOAN-ID            PIC X(10).
       01 WS-ACCOUNT-ID         PIC 9(4).
       01 WS-AMOUNT             PIC 9(7)V99.
       01 WS-RATE               PIC 9V99.
       01 WS-STATUS             PIC X(20).

       LINKAGE SECTION.
       01 LS-ACTION             PIC X(10).
       01 LS-DATA               PIC X(1024).

       PROCEDURE DIVISION USING LS-ACTION LS-DATA.
       MAIN-LOGIC.
           EVALUATE LS-ACTION
               WHEN "READ"
                   PERFORM READ-LOANS
               WHEN "CREATE"
                   PERFORM CREATE-LOAN
           END-EVALUATE
           GOBACK.

       READ-LOANS.
           OPEN INPUT LOAN-FILE
           PERFORM UNTIL EOF = 'Y'
               READ LOAN-FILE INTO LOAN-RECORD
                   AT END MOVE 'Y' TO EOF
                   NOT AT END
                       DISPLAY LOAN-RECORD
               END-READ
           END-PERFORM
           CLOSE LOAN-FILE.

       CREATE-LOAN.
           OPEN EXTEND LOAN-FILE
           WRITE LOAN-RECORD FROM LS-DATA
           CLOSE LOAN-FILE

           UNSTRING LS-DATA DELIMITED BY "," INTO
               WS-LOAN-ID,
               WS-ACCOUNT-ID,
               WS-AMOUNT,
               WS-RATE,
               WS-STATUS
           END-UNSTRING

           CALL "LOG-TRANSACTION" USING
               FUNCTION TRIM("Loan created: " &
                             WS-LOAN-ID &
                             " for account " &
                             WS-ACCOUNT-ID)