RDBMS - Cursor Task

CREATE TABLE TRANSACTIONS
(
    ID VARCHAR2(10),
    AMOUNT NUMBER,
    T_DATE DATE
);

CREATE TABLE LOAN_TYPE
(
    SCHEME NUMBER,
    INSTALLMENT NUMBER,
    CHARGE NUMBER,
    MIN_TRANS NUMBER
);

CREATE TABLE PAYMENT
(
    NO_INS NUMBER,
    ACC_NO VARCHAR2(10),
    AMOUNT NUMBER,
    DOP DATE
);

INSERT INTO LOAN_TYPE VALUES(1, 30, 5, 2000000);
INSERT INTO LOAN_TYPE VALUES(2, 20, 10, 1000000);
INSERT INTO LOAN_TYPE VALUES(3, 15, 15, 500000);

INSERT INTO TRANSACTIONS VALUES('100', 1000000, TO_DATE('03/05/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('100', 2000000, TO_DATE('03/06/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('101', 300000, TO_DATE('03/07/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('101', 400000, TO_DATE('03/08/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('101', 1000000, TO_DATE('03/09/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('101', 5000000, TO_DATE('03/09/2013', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('102', 500000, TO_DATE('03/09/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('103', 500000, TO_DATE('03/12/2016', 'dd/mm/yyyy'));
INSERT INTO TRANSACTIONS VALUES('104', 1000020, TO_DATE('03/11/2016', 'dd/mm/yyyy'));


CREATE OR REPLACE FUNCTION CAT_FIND(CUS_ID IN VARCHAR2)
RETURN NUMBER
IS
S_TYPE NUMBER;
TOTAL NUMBER;
CURSOR C1 IS
SELECT SCHEME, MIN_TRANS
FROM LOAN_TYPE
ORDER BY MIN_TRANS DESC;
BEGIN
SELECT SUM(AMOUNT) INTO TOTAL
FROM TRANSACTIONS WHERE
ID = CUS_ID AND
(SELECT SYSDATE - TO_DATE(T_DATE, 'DD/MM/YYYY') FROM DUAL) < 365;

FOR REC IN C1
LOOP
    IF TOTAL >= REC.MIN_TRANS THEN
        RETURN REC.SCHEME;
    END IF;
END LOOP;
END;
/