curl --location --globoff '{{system_user_url}}/payroll/loans/store' \
--header 'x-api-key: {{x-api-key}}' \
--header 'x-secret-key: {{x-secret-key}}' \
--header 'Authorization: Bearer <token>' \
--form 'user_id="15"' \
--form 'loan_type="salary_advance"' \
--form 'amount="10000"' \
--form 'monthly_deduction="1000"' \
--form 'total_installments="10"' \
--form 'start_date="2026-08-01"' \
--form 'end_date="2027-05-01"' \
--form 'reason="Personal emergency"' \
--form 'notes="Deduct from monthly salary"'