FINERACT-2286: Make configurable the outstanding interest strategy during asset owner transfer

fineract-investor/src/main/java/org/apache/fineract/investor/cob/loan/LoanAccountOwnerTransferBusinessStep.java

@@ -21,7 +21,6 @@ package org.apache.fineract.investor.cob.loan;
 import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.List;
-import java.util.Objects;
 import java.util.Optional;
 import java.util.stream.Stream;
 import lombok.RequiredArgsConstructor;
@@ -42,6 +41,7 @@ import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferRepository;
 import org.apache.fineract.investor.domain.LoanOwnershipTransferBusinessEvent;
 import org.apache.fineract.investor.service.AccountingService;
 import org.apache.fineract.investor.service.DelayedSettlementAttributeService;
+import org.apache.fineract.investor.service.ExternalAssetOwnerTransferOutstandingInterestCalculation;
 import org.apache.fineract.investor.service.LoanTransferabilityService;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.springframework.context.annotation.Conditional;
@@ -65,6 +65,7 @@ public class LoanAccountOwnerTransferBusinessStep implements LoanCOBBusinessStep
     private final BusinessEventNotifierService businessEventNotifierService;
     private final LoanTransferabilityService loanTransferabilityService;
     private final DelayedSettlementAttributeService delayedSettlementAttributeService;
+    private final ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
 
     @Override
     public Loan execute(Loan loan) {
@@ -220,14 +221,13 @@ public class LoanAccountOwnerTransferBusinessStep implements LoanCOBBusinessStep
             ExternalAssetOwnerTransfer externalAssetOwnerTransfer) {
         ExternalAssetOwnerTransferDetails details = new ExternalAssetOwnerTransferDetails();
         details.setExternalAssetOwnerTransfer(externalAssetOwnerTransfer);
-        details.setTotalOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalOutstanding(), BigDecimal.ZERO));
-        details.setTotalPrincipalOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalPrincipalOutstanding(), BigDecimal.ZERO));
-        details.setTotalInterestOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalInterestOutstanding(), BigDecimal.ZERO));
-        details.setTotalFeeChargesOutstanding(
-                Objects.requireNonNullElse(loan.getSummary().getTotalFeeChargesOutstanding(), BigDecimal.ZERO));
-        details.setTotalPenaltyChargesOutstanding(
-                Objects.requireNonNullElse(loan.getSummary().getTotalPenaltyChargesOutstanding(), BigDecimal.ZERO));
-        details.setTotalOverpaid(Objects.requireNonNullElse(loan.getTotalOverpaid(), BigDecimal.ZERO));
+        details.setTotalPrincipalOutstanding(loan.getSummary().getTotalPrincipalOutstanding());
+        // We have different strategies to calculate oustanding interest
+        final BigDecimal interestAmount = externalAssetOwnerTransferOutstandingInterestCalculation.calculateOutstandingInterest(loan);
+        details.setTotalInterestOutstanding(interestAmount);
+        details.setTotalFeeChargesOutstanding(loan.getSummary().getTotalFeeChargesOutstanding());
+        details.setTotalPenaltyChargesOutstanding(loan.getSummary().getTotalPenaltyChargesOutstanding());
+        details.setTotalOverpaid(loan.getTotalOverpaid());
         return details;
     }
 

fineract-investor/src/main/java/org/apache/fineract/investor/domain/AttributeKey.java

@@ -0,0 +1,28 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.investor.domain;
+
+public interface AttributeKey {
+
+    String getKey();
+
+    String getValue();
+
+    String getDescription();
+}

fineract-investor/src/main/java/org/apache/fineract/investor/domain/ExternalAssetOwnerLoanProductAttribute.java

@@ -0,0 +1,38 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.investor.domain;
+
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+
+@RequiredArgsConstructor
+@Getter
+public class ExternalAssetOwnerLoanProductAttribute implements AttributeKey {
+
+    public static final ExternalAssetOwnerLoanProductAttribute TOTAL_OUTSTANDING_INTEREST_STRATEGY = new ExternalAssetOwnerLoanProductAttribute(
+            "OUTSTANDING_INTEREST_STRATEGY", "TOTAL_OUTSTANDING",
+            "During external owner transfer the total (due + not yet due + projected) interest participate");
+    public static final ExternalAssetOwnerLoanProductAttribute PAYABLE_OUTSTANDING_INTEREST_STRATEGY = new ExternalAssetOwnerLoanProductAttribute(
+            "OUTSTANDING_INTEREST_STRATEGY", "PAYABLE_OUTSTANDING",
+            "During external owner transfer the total (due + not yet due) interest participate");
+
+    private final String key;
+    private final String value;
+    private final String description;
+}

fineract-investor/src/main/java/org/apache/fineract/investor/domain/ExternalAssetOwnerTransferDetails.java

@@ -25,18 +25,20 @@ import jakarta.persistence.JoinColumn;
 import jakarta.persistence.OneToOne;
 import jakarta.persistence.Table;
 import java.math.BigDecimal;
+import java.util.Objects;
 import lombok.Getter;
 import lombok.NoArgsConstructor;
 import lombok.Setter;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
 
 @Getter
-@Setter
 @Table(name = "m_external_asset_owner_transfer_details")
 @NoArgsConstructor
 @Entity
 public class ExternalAssetOwnerTransferDetails extends AbstractAuditableWithUTCDateTimeCustom<Long> {
 
+    @Setter
     @OneToOne(cascade = CascadeType.ALL)
     @JoinColumn(name = "asset_owner_transfer_id", referencedColumnName = "id")
     private ExternalAssetOwnerTransfer externalAssetOwnerTransfer;
@@ -58,4 +60,33 @@ public class ExternalAssetOwnerTransferDetails extends AbstractAuditableWithUTCD
 
     @Column(name = "total_overpaid_derived", scale = 6, precision = 19, nullable = false)
     private BigDecimal totalOverpaid;
+
+    public void setTotalPrincipalOutstanding(BigDecimal totalPrincipalOutstanding) {
+        this.totalPrincipalOutstanding = Objects.requireNonNullElse(totalPrincipalOutstanding, BigDecimal.ZERO);
+        updateTotalOutstanding();
+    }
+
+    public void setTotalInterestOutstanding(BigDecimal totalInterestOutstanding) {
+        this.totalInterestOutstanding = Objects.requireNonNullElse(totalInterestOutstanding, BigDecimal.ZERO);
+        updateTotalOutstanding();
+    }
+
+    public void setTotalFeeChargesOutstanding(BigDecimal totalFeeChargesOutstanding) {
+        this.totalFeeChargesOutstanding = Objects.requireNonNullElse(totalFeeChargesOutstanding, BigDecimal.ZERO);
+        updateTotalOutstanding();
+    }
+
+    public void setTotalPenaltyChargesOutstanding(BigDecimal totalPenaltyChargesOutstanding) {
+        this.totalPenaltyChargesOutstanding = Objects.requireNonNullElse(totalPenaltyChargesOutstanding, BigDecimal.ZERO);
+        updateTotalOutstanding();
+    }
+
+    private void updateTotalOutstanding() {
+        this.totalOutstanding = MathUtil.add(getTotalPrincipalOutstanding(), getTotalInterestOutstanding(), getTotalFeeChargesOutstanding(),
+                getTotalPenaltyChargesOutstanding());
+    }
+
+    public void setTotalOverpaid(BigDecimal totalOverpaid) {
+        this.totalOverpaid = Objects.requireNonNullElse(totalOverpaid, BigDecimal.ZERO);
+    }
 }

fineract-investor/src/main/java/org/apache/fineract/investor/service/AccountingServiceImpl.java

@@ -55,6 +55,7 @@ public class AccountingServiceImpl implements AccountingService {
     private final ExternalAssetOwnerTransferJournalEntryMappingRepository externalAssetOwnerTransferJournalEntryMappingRepository;
     private final ExternalAssetOwnerJournalEntryMappingRepository externalAssetOwnerJournalEntryMappingRepository;
     private final FinancialActivityAccountRepositoryWrapper financialActivityAccountRepository;
+    private final ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
 
     @Override
     public void createJournalEntriesForSaleAssetTransfer(final Loan loan, final ExternalAssetOwnerTransfer transfer,
@@ -104,7 +105,8 @@ public class AccountingServiceImpl implements AccountingService {
         final Long transactionId = transfer.getId();
         final LocalDate transactionDate = transfer.getSettlementDate();
         final BigDecimal principalAmount = loan.getSummary().getTotalPrincipalOutstanding();
-        final BigDecimal interestAmount = loan.getSummary().getTotalInterestOutstanding();
+        // We have different strategies to calculate oustanding interest
+        final BigDecimal interestAmount = externalAssetOwnerTransferOutstandingInterestCalculation.calculateOutstandingInterest(loan);
         final BigDecimal feesAmount = loan.getSummary().getTotalFeeChargesOutstanding();
         final BigDecimal penaltiesAmount = loan.getSummary().getTotalPenaltyChargesOutstanding();
         final BigDecimal overPaymentAmount = loan.getTotalOverpaid();

fineract-investor/src/main/java/org/apache/fineract/investor/service/ExternalAssetOwnerTransferOutstandingInterestCalculation.java

@@ -0,0 +1,69 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.investor.service;
+
+import java.math.BigDecimal;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
+import org.apache.fineract.investor.config.InvestorModuleIsEnabledCondition;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.portfolio.loanaccount.data.LoanAccountData;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryDataProvider;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryProviderDelegate;
+import org.springframework.context.annotation.Conditional;
+import org.springframework.stereotype.Component;
+
+@Component
+@RequiredArgsConstructor
+@Conditional(InvestorModuleIsEnabledCondition.class)
+public class ExternalAssetOwnerTransferOutstandingInterestCalculation {
+
+    private final LoanSummaryProviderDelegate loanSummaryDataProvider;
+    private final ConfigurationDomainService configurationDomainService;
+    private final LoanReadPlatformService loanReadPlatformService;
+
+    private LoanSummaryDataProvider fetchLoanSummaryDataProvider(Loan loan) {
+        return this.loanSummaryDataProvider.resolveLoanSummaryDataProvider(loan.getTransactionProcessingStrategyCode());
+    }
+
+    public BigDecimal calculateOutstandingInterest(Loan loan) {
+        String outstandingInterestCalculationStrategy = configurationDomainService.getAssetOwnerTransferOustandingInterestStrategy();
+        return switch (outstandingInterestCalculationStrategy) {
+            case "TOTAL_OUTSTANDING_INTEREST" -> loan.getSummary().getTotalInterestOutstanding();
+            case "PAYABLE_OUTSTANDING_INTEREST" -> {
+                LoanAccountData data = loanReadPlatformService.retrieveOne(loan.getId());
+                data = loanReadPlatformService.fetchRepaymentScheduleData(data);
+                Money duePayableAmount = loan
+                        .getRepaymentScheduleInstallments(i -> !i.getDueDate().isAfter(DateUtils.getBusinessLocalDate())).stream()
+                        .map(i -> i.getInterestOutstanding(loan.getCurrency())).reduce(Money.zero(loan.getCurrency()), MathUtil::plus);
+                BigDecimal notDuePayableAmount = fetchLoanSummaryDataProvider(loan)
+                        .computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(loan, data.getRepaymentSchedule().getPeriods(),
+                                DateUtils.getBusinessLocalDate(), loan.getCurrency().toData(), duePayableAmount.getAmount());
+
+                yield MathUtil.add(duePayableAmount.getAmount(), notDuePayableAmount);
+            }
+            default -> throw new UnsupportedOperationException(
+                    "Unknown outstanding interest calculation: " + outstandingInterestCalculationStrategy);
+        };
+    }
+}

fineract-investor/src/main/java/org/apache/fineract/investor/service/LoanAccountOwnerTransferServiceImpl.java

@@ -35,7 +35,6 @@ import static org.apache.fineract.investor.data.ExternalTransferSubStatus.UNSOLD
 import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.List;
-import java.util.Objects;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.fineract.infrastructure.core.service.MathUtil;
@@ -63,6 +62,7 @@ public class LoanAccountOwnerTransferServiceImpl implements LoanAccountOwnerTran
     private final ExternalAssetOwnerTransferLoanMappingRepository externalAssetOwnerTransferLoanMappingRepository;
     private final AccountingService accountingService;
     private final BusinessEventNotifierService businessEventNotifierService;
+    private final ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
 
     @Override
     public void handleLoanClosedOrOverpaid(Loan loan) {
@@ -166,14 +166,13 @@ public class LoanAccountOwnerTransferServiceImpl implements LoanAccountOwnerTran
             ExternalAssetOwnerTransfer externalAssetOwnerTransfer) {
         ExternalAssetOwnerTransferDetails details = new ExternalAssetOwnerTransferDetails();
         details.setExternalAssetOwnerTransfer(externalAssetOwnerTransfer);
-        details.setTotalOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalOutstanding(), BigDecimal.ZERO));
-        details.setTotalPrincipalOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalPrincipalOutstanding(), BigDecimal.ZERO));
-        details.setTotalInterestOutstanding(Objects.requireNonNullElse(loan.getSummary().getTotalInterestOutstanding(), BigDecimal.ZERO));
-        details.setTotalFeeChargesOutstanding(
-                Objects.requireNonNullElse(loan.getSummary().getTotalFeeChargesOutstanding(), BigDecimal.ZERO));
-        details.setTotalPenaltyChargesOutstanding(
-                Objects.requireNonNullElse(loan.getSummary().getTotalPenaltyChargesOutstanding(), BigDecimal.ZERO));
-        details.setTotalOverpaid(Objects.requireNonNullElse(loan.getTotalOverpaid(), BigDecimal.ZERO));
+        details.setTotalPrincipalOutstanding(loan.getSummary().getTotalPrincipalOutstanding());
+        // We have different strategies to calculate oustanding interest
+        final BigDecimal interestAmount = externalAssetOwnerTransferOutstandingInterestCalculation.calculateOutstandingInterest(loan);
+        details.setTotalInterestOutstanding(interestAmount);
+        details.setTotalFeeChargesOutstanding(loan.getSummary().getTotalFeeChargesOutstanding());
+        details.setTotalPenaltyChargesOutstanding(loan.getSummary().getTotalPenaltyChargesOutstanding());
+        details.setTotalOverpaid(loan.getTotalOverpaid());
         return details;
     }
 

fineract-investor/src/main/resources/db/changelog/tenant/module/investor/module-changelog-master.xml

@@ -39,4 +39,5 @@
   <include relativeToChangelogFile="true" file="parts/0015_add_intermediary_sale_command.xml"/>
   <include relativeToChangelogFile="true" file="parts/0016_add_external_reference_id.xml"/>
   <include relativeToChangelogFile="true" file="parts/0017_add_external_asset_owner_loan_product_attr_index.xml"/>
+  <include relativeToChangelogFile="true" file="parts/0018_add_external_asset_owner_transfer_outstanding_interest_strategy.xml"/>
 </databaseChangeLog>

fineract-investor/src/main/resources/db/changelog/tenant/module/investor/parts/0018_add_external_asset_owner_transfer_outstanding_interest_strategy.xml

@@ -0,0 +1,43 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog
+                   https://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-latest.xsd">
+
+    <changeSet author="fineract" id="1" context="postgresql">
+        <sql>
+            SELECT SETVAL('c_configuration_id_seq', COALESCE(MAX(id), 0)+1, false ) FROM c_configuration;
+        </sql>
+    </changeSet>
+    <changeSet author="fineract" id="2">
+        <insert tableName="c_configuration">
+            <column name="name" value="outstanding-interest-calculation-strategy-for-external-asset-transfer"/>
+            <column name="value"/>
+            <column name="date_value"/>
+            <column name="string_value" value="TOTAL_OUTSTANDING_INTEREST"/>
+            <column name="enabled" valueBoolean="true"/>
+            <column name="is_trap_door" valueBoolean="false"/>
+            <column name="description" value=" Available options: TOTAL_OUTSTANDING_INTEREST, PAYABLE_OUTSTANDING_INTEREST. Define whether total outstanding interest (due + not yet due + projected) or payable till transfer date ( due + not yet due) should be involved in the asset transfer."/>
+        </insert>
+    </changeSet>
+</databaseChangeLog>

fineract-investor/src/test/java/org/apache/fineract/investor/cob/loan/LoanAccountOwnerTransferBusinessStepTest.java

@@ -24,6 +24,7 @@ import static org.junit.jupiter.api.Assertions.assertThrows;
 import static org.junit.jupiter.api.Assertions.assertTrue;
 import static org.mockito.ArgumentMatchers.any;
 import static org.mockito.ArgumentMatchers.eq;
+import static org.mockito.Mockito.mockStatic;
 import static org.mockito.Mockito.never;
 import static org.mockito.Mockito.times;
 import static org.mockito.Mockito.verify;
@@ -31,6 +32,8 @@ import static org.mockito.Mockito.verifyNoInteractions;
 import static org.mockito.Mockito.verifyNoMoreInteractions;
 import static org.mockito.Mockito.when;
 
+import java.math.MathContext;
+import java.math.RoundingMode;
 import java.time.LocalDate;
 import java.time.ZoneId;
 import java.util.HashMap;
@@ -55,12 +58,16 @@ import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferRepository;
 import org.apache.fineract.investor.domain.LoanOwnershipTransferBusinessEvent;
 import org.apache.fineract.investor.service.AccountingService;
 import org.apache.fineract.investor.service.DelayedSettlementAttributeService;
+import org.apache.fineract.investor.service.ExternalAssetOwnerTransferOutstandingInterestCalculation;
 import org.apache.fineract.investor.service.LoanTransferabilityService;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
 import org.jetbrains.annotations.NotNull;
+import org.junit.jupiter.api.AfterAll;
 import org.junit.jupiter.api.AfterEach;
+import org.junit.jupiter.api.BeforeAll;
 import org.junit.jupiter.api.BeforeEach;
 import org.junit.jupiter.api.Test;
 import org.junit.jupiter.api.extension.ExtendWith;
@@ -69,6 +76,7 @@ import org.junit.jupiter.params.provider.Arguments;
 import org.junit.jupiter.params.provider.MethodSource;
 import org.mockito.ArgumentCaptor;
 import org.mockito.Mock;
+import org.mockito.MockedStatic;
 import org.mockito.Mockito;
 import org.mockito.junit.jupiter.MockitoExtension;
 import org.springframework.data.domain.Sort;
@@ -80,6 +88,7 @@ public class LoanAccountOwnerTransferBusinessStepTest {
     public static final LocalDate FUTURE_DATE_9999_12_31 = LocalDate.of(9999, 12, 31);
     private static final Long LOAN_PRODUCT_ID = 2L;
     private final LocalDate actualDate = LocalDate.now(ZoneId.systemDefault());
+    private static final MockedStatic<MoneyHelper> MONEY_HELPER = mockStatic(MoneyHelper.class);
 
     @Mock
     private ExternalAssetOwnerTransferRepository externalAssetOwnerTransferRepository;
@@ -99,8 +108,22 @@ public class LoanAccountOwnerTransferBusinessStepTest {
     @Mock
     private DelayedSettlementAttributeService delayedSettlementAttributeService;
 
+    @Mock
+    private ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
+
     private LoanAccountOwnerTransferBusinessStep underTest;
 
+    @BeforeAll
+    public static void init() {
+        MONEY_HELPER.when(MoneyHelper::getRoundingMode).thenReturn(RoundingMode.HALF_EVEN);
+        MONEY_HELPER.when(MoneyHelper::getMathContext).thenReturn(new MathContext(12, RoundingMode.HALF_EVEN));
+    }
+
+    @AfterAll
+    public static void destruct() {
+        MONEY_HELPER.close();
+    }
+
     @BeforeEach
     public void setUp() {
         ThreadLocalContextUtil.setTenant(new FineractPlatformTenant(1L, "default", "Default", "Asia/Kolkata", null));
@@ -108,7 +131,7 @@ public class LoanAccountOwnerTransferBusinessStepTest {
         ThreadLocalContextUtil.setBusinessDates(new HashMap<>(Map.of(BusinessDateType.BUSINESS_DATE, actualDate)));
         underTest = new LoanAccountOwnerTransferBusinessStep(externalAssetOwnerTransferRepository,
                 externalAssetOwnerTransferLoanMappingRepository, accountingService, businessEventNotifierService,
-                loanTransferabilityService, delayedSettlementAttributeService);
+                loanTransferabilityService, delayedSettlementAttributeService, externalAssetOwnerTransferOutstandingInterestCalculation);
     }
 
     @AfterEach

fineract-investor/src/test/java/org/apache/fineract/investor/service/AccountingServiceImplTest.java

@@ -27,11 +27,14 @@ import static org.mockito.ArgumentMatchers.anyInt;
 import static org.mockito.ArgumentMatchers.eq;
 import static org.mockito.Mockito.lenient;
 import static org.mockito.Mockito.mock;
+import static org.mockito.Mockito.mockStatic;
 import static org.mockito.Mockito.times;
 import static org.mockito.Mockito.verify;
 import static org.mockito.Mockito.when;
 
 import java.math.BigDecimal;
+import java.math.MathContext;
+import java.math.RoundingMode;
 import java.time.LocalDate;
 import java.util.HashMap;
 import java.util.List;
@@ -51,16 +54,20 @@ import org.apache.fineract.investor.domain.ExternalAssetOwnerJournalEntryMapping
 import org.apache.fineract.investor.domain.ExternalAssetOwnerTransfer;
 import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferJournalEntryMapping;
 import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferJournalEntryMappingRepository;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
 import org.apache.fineract.organisation.office.domain.Office;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanStatus;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.junit.jupiter.api.AfterAll;
+import org.junit.jupiter.api.BeforeAll;
 import org.junit.jupiter.api.BeforeEach;
 import org.junit.jupiter.api.Test;
 import org.junit.jupiter.api.extension.ExtendWith;
 import org.mockito.ArgumentCaptor;
 import org.mockito.InjectMocks;
 import org.mockito.Mock;
+import org.mockito.MockedStatic;
 import org.mockito.Mockito;
 import org.mockito.MockitoAnnotations;
 import org.mockito.junit.jupiter.MockitoExtension;
@@ -68,6 +75,19 @@ import org.mockito.junit.jupiter.MockitoExtension;
 @ExtendWith(MockitoExtension.class)
 class AccountingServiceImplTest {
 
+    private static final MockedStatic<MoneyHelper> MONEY_HELPER = mockStatic(MoneyHelper.class);
+
+    @BeforeAll
+    public static void init() {
+        MONEY_HELPER.when(MoneyHelper::getRoundingMode).thenReturn(RoundingMode.HALF_EVEN);
+        MONEY_HELPER.when(MoneyHelper::getMathContext).thenReturn(new MathContext(12, RoundingMode.HALF_EVEN));
+    }
+
+    @AfterAll
+    public static void destruct() {
+        MONEY_HELPER.close();
+    }
+
     @BeforeEach
     public void setUp() {
         ThreadLocalContextUtil.setBusinessDates(new HashMap<>(Map.of(BUSINESS_DATE, LocalDate.of(2024, 9, 27))));
@@ -517,6 +537,9 @@ class AccountingServiceImplTest {
         @Mock
         private FinancialActivityAccountRepositoryWrapper financialActivityAccountRepository;
 
+        @Mock
+        private ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
+
         @InjectMocks
         private AccountingServiceImpl testSubject;
 
@@ -540,7 +563,6 @@ class AccountingServiceImplTest {
 
             LoanSummary loanSummary = Mockito.mock(LoanSummary.class);
             when(loanSummary.getTotalPrincipalOutstanding()).thenReturn(BigDecimal.ONE);
-            when(loanSummary.getTotalInterestOutstanding()).thenReturn(BigDecimal.ONE);
             when(loanSummary.getTotalFeeChargesOutstanding()).thenReturn(BigDecimal.ONE);
             when(loanSummary.getTotalPenaltyChargesOutstanding()).thenReturn(BigDecimal.ONE);
             when(loan.getSummary()).thenReturn(loanSummary);

fineract-investor/src/test/java/org/apache/fineract/investor/service/LoanAccountOwnerTransferServiceTest.java

@@ -23,11 +23,14 @@ import static org.junit.jupiter.api.Assertions.assertEquals;
 import static org.junit.jupiter.api.Assertions.assertTrue;
 import static org.mockito.ArgumentMatchers.any;
 import static org.mockito.ArgumentMatchers.eq;
+import static org.mockito.Mockito.mockStatic;
 import static org.mockito.Mockito.times;
 import static org.mockito.Mockito.verify;
 import static org.mockito.Mockito.when;
 import static org.springframework.data.domain.Sort.Direction.ASC;
 
+import java.math.MathContext;
+import java.math.RoundingMode;
 import java.time.LocalDate;
 import java.time.ZoneId;
 import java.util.HashMap;
@@ -44,9 +47,12 @@ import org.apache.fineract.investor.domain.ExternalAssetOwnerTransfer;
 import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferLoanMappingRepository;
 import org.apache.fineract.investor.domain.ExternalAssetOwnerTransferRepository;
 import org.apache.fineract.investor.domain.LoanOwnershipTransferBusinessEvent;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
 import org.jetbrains.annotations.NotNull;
+import org.junit.jupiter.api.AfterAll;
+import org.junit.jupiter.api.BeforeAll;
 import org.junit.jupiter.api.BeforeEach;
 import org.junit.jupiter.api.Test;
 import org.junit.jupiter.api.extension.ExtendWith;
@@ -54,7 +60,9 @@ import org.junit.jupiter.params.ParameterizedTest;
 import org.junit.jupiter.params.provider.Arguments;
 import org.junit.jupiter.params.provider.MethodSource;
 import org.mockito.ArgumentCaptor;
+import org.mockito.InjectMocks;
 import org.mockito.Mock;
+import org.mockito.MockedStatic;
 import org.mockito.Mockito;
 import org.mockito.junit.jupiter.MockitoExtension;
 import org.springframework.data.domain.Sort;
@@ -63,6 +71,7 @@ import org.springframework.data.jpa.domain.Specification;
 @ExtendWith(MockitoExtension.class)
 public class LoanAccountOwnerTransferServiceTest {
 
+    private static final MockedStatic<MoneyHelper> MONEY_HELPER = mockStatic(MoneyHelper.class);
     @Mock
     private ExternalAssetOwnerTransferRepository externalAssetOwnerTransferRepository;
     @Mock
@@ -71,15 +80,27 @@ public class LoanAccountOwnerTransferServiceTest {
     private AccountingService accountingService;
     @Mock
     private BusinessEventNotifierService businessEventNotifierService;
+    @Mock
+    private ExternalAssetOwnerTransferOutstandingInterestCalculation externalAssetOwnerTransferOutstandingInterestCalculation;
 
-    private LoanAccountOwnerTransferService underTest;
+    @InjectMocks
+    private LoanAccountOwnerTransferServiceImpl underTest;
     private final LocalDate actualDate = LocalDate.now(ZoneId.systemDefault());
 
+    @BeforeAll
+    public static void init() {
+        MONEY_HELPER.when(MoneyHelper::getRoundingMode).thenReturn(RoundingMode.HALF_EVEN);
+        MONEY_HELPER.when(MoneyHelper::getMathContext).thenReturn(new MathContext(12, RoundingMode.HALF_EVEN));
+    }
+
+    @AfterAll
+    public static void destruct() {
+        MONEY_HELPER.close();
+    }
+
     @BeforeEach
     public void setUp() {
         ThreadLocalContextUtil.setBusinessDates(new HashMap<>(Map.of(BUSINESS_DATE, actualDate)));
-        underTest = new LoanAccountOwnerTransferServiceImpl(externalAssetOwnerTransferRepository,
-                externalAssetOwnerTransferLoanMappingRepository, accountingService, businessEventNotifierService);
     }
 
     @Test