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Problem

The loan_events table has no indexes on the columns most commonly used in queries. As data grows, every request for borrower history or event type filtering becomes a full table scan.

Missing Indexes

1. loan_events(borrower) — used in every borrower history query
2. loan_events(event_type) — used for filtering by event type
3. loan_events(loan_id, event_type) — composite index for loan detail queries
4. loan_events(created_at) — used in date range filters

Expected Fix

Add a new migration file under backend/src/db/migrations/ that creates these indexes:

CREATE INDEX IF NOT EXISTS idx_loan_events_borrower ON loan_events(borrower);
CREATE INDEX IF NOT EXISTS idx_loan_events_event_type ON loan_events(event_type);
CREATE INDEX IF NOT EXISTS idx_loan_events_loan_id_event_type ON loan_events(loan_id, event_type);
CREATE INDEX IF NOT EXISTS idx_loan_events_created_at ON loan_events(created_at);

Impact

Dashboard and borrower history pages will be slow and timeout under real load without these indexes.