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FINERACT-1968: Support horizontal and vertical installment processing

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This commit is contained in:
Adam Saghy
2023-11-13 11:56:02 +01:00
parent 3799835414
commit 1eab93c8f3
42 changed files with 1270 additions and 278 deletions
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integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
+401 -16
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@@ -20,6 +20,7 @@ package org.apache.fineract.integrationtests;
import static org.junit.jupiter.api.Assertions.assertEquals;
import static org.junit.jupiter.api.Assertions.assertNotNull;
import static org.junit.jupiter.api.Assertions.assertThrows;
import static org.junit.jupiter.api.Assertions.assertTrue;
import io.restassured.builder.RequestSpecBuilder;
@@ -29,10 +30,13 @@ import io.restassured.specification.RequestSpecification;
import io.restassured.specification.ResponseSpecification;
import java.math.BigDecimal;
import java.time.LocalDate;
import java.util.ArrayList;
import java.util.Arrays;
import java.util.HashMap;
import java.util.List;
import java.util.Objects;
import java.util.concurrent.atomic.AtomicInteger;
import java.util.stream.Collectors;
import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.BusinessDateRequest;
import org.apache.fineract.client.models.GetLoansLoanIdRepaymentPeriod;
@@ -47,9 +51,11 @@ import org.apache.fineract.client.models.PostLoansLoanIdTransactionsTransactionI
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.client.models.PostUpdateRescheduleLoansRequest;
import org.apache.fineract.client.util.CallFailedRuntimeException;
import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
import org.apache.fineract.integrationtests.common.BusinessDateHelper;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.CommonConstants;
import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
import org.apache.fineract.integrationtests.common.LoanRescheduleRequestHelper;
import org.apache.fineract.integrationtests.common.Utils;
@@ -60,6 +66,8 @@ import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.FineractStyleLoanRepaymentScheduleTransactionProcessor;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
import org.junit.jupiter.api.BeforeAll;
@@ -101,7 +109,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
commonLoanProductId = createLoanProduct("500", "15", "4", true, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
commonLoanProductId = createLoanProduct("500", "15", "4", true, LoanScheduleType.PROGRESSIVE, LoanScheduleProcessingType.HORIZONTAL,
assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
}
@@ -1739,8 +1748,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, assetAccount, incomeAccount, expenseAccount,
overpaymentAccount);
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0,
"01 January 2023", "01 January 2023");
@@ -1824,8 +1833,8 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, assetAccount, incomeAccount, expenseAccount,
overpaymentAccount);
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0,
"01 January 2023", "01 January 2023");
@@ -1904,6 +1913,318 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
}
}
// UC103: Advanced payment allocation, add charge after maturity -> N+1 installment, repay the loan
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Disburse the loan (500)
// 2. Add charge after maturity date
// 3. Fully repay the loan
@Test
public void uc103() {
try {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
.date("2023.02.22").dateFormat("yyyy.MM.dd").locale("en"));
final Account assetAccount = accountHelper.createAssetAccount();
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0,
"01 January 2023", "01 January 2023");
loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN)
.approvedOnDate("01 January 2023").locale("en"));
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN)
.transactionAmount(BigDecimal.valueOf(500.00)).locale("en"));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
// Add Charge Penalty
Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "100", true));
Integer penalty1LoanChargeId = loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(),
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "22 February 2023", "100"));
assertNotNull(penalty1LoanChargeId);
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 600.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 2, 22), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 100.0, 0.0, 100.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(600.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 0.0, 600.0, 0.0, 500.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 2, 22), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 100.0, 100.0, 0.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getClosedObligationsMet());
} finally {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
}
}
// UC104: Advanced payment allocation, horizontal repayment processing
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Disburse the loan (500)
// 2. Add charge for 3rd and 4th installments
// 3. Pay little more than the charge of 1st installment
// 4. Pay little more than the principal of 1st installment and charge of 2nd installment
@Test
public void uc104() {
try {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
.date("2023.02.22").dateFormat("yyyy.MM.dd").locale("en"));
final Account assetAccount = accountHelper.createAssetAccount();
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0,
"01 January 2023", "01 January 2023");
loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN)
.approvedOnDate("01 January 2023").locale("en"));
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN)
.transactionAmount(BigDecimal.valueOf(500.00)).locale("en"));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
// Add Charge Penalty
Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "25", true));
loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(),
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "20 January 2023", "25"));
loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(),
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "10 February 2023", "25"));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 550.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(260.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 290.0, 260.0, 250.0, 250.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 10.0, 15.0, 0.0, 0.0,
0.0, 0.0, 10.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 264.0, 286.0, 239.0, 261.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 11.0, 114.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0,
0.0, 0.0, 36.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
} finally {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
}
}
// UC105: Advanced payment allocation, vertical repayment processing
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Disburse the loan (500)
// 2. Add charge for 3rd and 4th installments
// 3. Pay little more than the charge of 1st installment
// 4. Pay little more than the charges
@Test
public void uc105() {
try {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
.date("2023.02.22").dateFormat("yyyy.MM.dd").locale("en"));
final Account assetAccount = accountHelper.createAssetAccount();
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.VERTICAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0,
"01 January 2023", "01 January 2023");
loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN)
.approvedOnDate("01 January 2023").locale("en"));
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN)
.transactionAmount(BigDecimal.valueOf(500.00)).locale("en"));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
// Add Charge Penalty
Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "25", true));
loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(),
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "20 January 2023", "25"));
loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(),
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "10 February 2023", "25"));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 550.0, 0.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0,
0.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 524.0, 26.0, 500.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0,
0.0, 0.0, 25.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 1.0, 24.0, 0.0, 0.0,
0.0, 0.0, 1.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 498.0, 52.0, 498.0, 2.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 2.0, 123.0, 0.0, 2.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0,
0.0, 0.0, 25.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0,
0.0, 0.0, 25.0);
assertTrue(loanDetails.getStatus().getActive());
} finally {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
}
}
// UC106: Advanced payment allocation, horizontal repayment processing, mixed grouping of allocation rules
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Create a Loan product, but the allocation rules are mixed -> expect validation error
@Test
public void uc106() {
try {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
.date("2023.02.22").dateFormat("yyyy.MM.dd").locale("en"));
final Account assetAccount = accountHelper.createAssetAccount();
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
AdvancedPaymentData defaultPaymentAllocation = createDefaultPaymentAllocationWithMixedGrouping();
ArrayList<HashMap<String, Object>> loanProductErrorData = createLoanProductGetError("500", "15", "4", false,
LoanScheduleType.PROGRESSIVE, LoanScheduleProcessingType.HORIZONTAL, defaultPaymentAllocation, assetAccount,
incomeAccount, expenseAccount, overpaymentAccount);
assertNotNull(loanProductErrorData);
assertEquals("mixed.due.type.allocation.rules.are.not.supported.with.horizontal.installment.processing",
loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE));
} finally {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
}
}
// UC107: Advanced payment allocation, vertical repayment processing, mixed grouping of allocation rules
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Create a Loan product, but the allocation rules are mixed -> no validation error
// 2. Change transaction processor while submitting loan -> expect validation error
// 3. Change to HORIZONTAL loan schedule processing and allocation rules are mixed - > expect validation error
@Test
public void uc107() {
try {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
.date("2023.02.22").dateFormat("yyyy.MM.dd").locale("en"));
final Account assetAccount = accountHelper.createAssetAccount();
final Account incomeAccount = accountHelper.createIncomeAccount();
final Account expenseAccount = accountHelper.createExpenseAccount();
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
AdvancedPaymentData defaultPaymentAllocation = createDefaultPaymentAllocationWithMixedGrouping();
Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE,
LoanScheduleProcessingType.VERTICAL, defaultPaymentAllocation, assetAccount, incomeAccount, expenseAccount,
overpaymentAccount);
assertNotNull(localLoanProductId);
CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
() -> applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0, "01 January 2023",
"01 January 2023", FineractStyleLoanRepaymentScheduleTransactionProcessor.STRATEGY_CODE,
LoanScheduleType.PROGRESSIVE.name(), LoanScheduleProcessingType.VERTICAL.name()));
assertEquals(400, exception.getResponse().code());
assertTrue(exception.getMessage().contains("supported.only.with.advanced.payment.allocation.strategy"));
exception = assertThrows(CallFailedRuntimeException.class,
() -> applyForLoanApplication(client.getClientId(), localLoanProductId, 500L, 45, 15, 3, 0, "01 January 2023",
"01 January 2023", AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY,
LoanScheduleType.PROGRESSIVE.name(), LoanScheduleProcessingType.HORIZONTAL.name()));
assertEquals(400, exception.getResponse().code());
assertTrue(exception.getMessage()
.contains("mixed.due.type.allocation.rules.are.not.supported.with.horizontal.installment.processing"));
} finally {
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
}
}
private static void validateLoanSummaryBalances(GetLoansLoanIdResponse loanDetails, Double totalOutstanding, Double totalRepayment,
Double principalOutstanding, Double principalPaid, Double totalOverpaid) {
assertEquals(totalOutstanding, loanDetails.getSummary().getTotalOutstanding());
@@ -1920,7 +2241,22 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
paymentAllocationOrder.setPaymentAllocationRule(pat.name());
paymentAllocationOrder.setOrder(integer.getAndIncrement());
return paymentAllocationOrder;
}).toList();
}).collect(Collectors.toList());
}
private static AdvancedPaymentData createDefaultPaymentAllocationWithMixedGrouping() {
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
advancedPaymentData.setTransactionType("DEFAULT");
advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.DUE_PENALTY,
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
PaymentAllocationType.PAST_DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);
advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
return advancedPaymentData;
}
private static AdvancedPaymentData createDefaultPaymentAllocation() {
@@ -1954,7 +2290,44 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
}
private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments,
boolean autoPayForDownPayment, final Account... accounts) {
boolean autoPayForDownPayment, LoanScheduleType loanScheduleType, LoanScheduleProcessingType loanScheduleProcessingType,
AdvancedPaymentData allocationRuleData, final Account... accounts) {
LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal)
.withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments)
.withEnableDownPayment(true, "25", autoPayForDownPayment).withinterestRatePerPeriod("0")
.withInterestRateFrequencyTypeAsMonths()
.withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
.withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
.addAdvancedPaymentAllocation(allocationRuleData).withInterestCalculationPeriodTypeAsRepaymentPeriod(true)
.withInterestTypeAsDecliningBalance().withMultiDisburse().withDisallowExpectedDisbursements(true)
.withLoanScheduleType(loanScheduleType).withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30")
.withDaysInYear("365").withMoratorium("0", "0").build(null);
return loanTransactionHelper.getLoanProductId(loanProductJSON);
}
private static ArrayList<HashMap<String, Object>> createLoanProductGetError(final String principal, final String repaymentAfterEvery,
final String numberOfRepayments, boolean autoPayForDownPayment, LoanScheduleType loanScheduleType,
LoanScheduleProcessingType loanScheduleProcessingType, AdvancedPaymentData allocationRuleData, final Account... accounts) {
LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal)
.withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments)
.withEnableDownPayment(true, "25", autoPayForDownPayment).withinterestRatePerPeriod("0")
.withInterestRateFrequencyTypeAsMonths()
.withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
.withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
.addAdvancedPaymentAllocation(allocationRuleData).withInterestCalculationPeriodTypeAsRepaymentPeriod(true)
.withInterestTypeAsDecliningBalance().withMultiDisburse().withDisallowExpectedDisbursements(true)
.withLoanScheduleType(loanScheduleType).withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30")
.withDaysInYear("365").withMoratorium("0", "0").build(null);
LoanTransactionHelper loanTransactionHelperBadRequest = new LoanTransactionHelper(requestSpec,
new ResponseSpecBuilder().expectStatusCode(400).build());
return loanTransactionHelperBadRequest.getLoanProductError(loanProductJSON, CommonConstants.RESPONSE_ERROR);
}
private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments,
boolean autoPayForDownPayment, LoanScheduleType loanScheduleType, LoanScheduleProcessingType loanScheduleProcessingType,
final Account... accounts) {
AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation();
AdvancedPaymentData goodwillCreditAllocation = createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT");
AdvancedPaymentData merchantIssuedRefundAllocation = createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION");
@@ -1969,8 +2342,9 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
.addAdvancedPaymentAllocation(defaultAllocation, goodwillCreditAllocation, merchantIssuedRefundAllocation,
payoutRefundAllocation)
.withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withInterestTypeAsDecliningBalance().withMultiDisburse()
.withDisallowExpectedDisbursements(true).withLoanScheduleType(LoanScheduleType.PROGRESSIVE).withDaysInMonth("30")
.withDaysInYear("365").withMoratorium("0", "0").build(null);
.withDisallowExpectedDisbursements(true).withLoanScheduleType(loanScheduleType)
.withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30").withDaysInYear("365")
.withMoratorium("0", "0").build(null);
return loanTransactionHelper.getLoanProductId(loanProductJSON);
}
@@ -2022,16 +2396,27 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest {
private static PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final Long principal,
final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final int interestRate,
final String expectedDisbursementDate, final String submittedOnDate) {
final String expectedDisbursementDate, final String submittedOnDate, String transactionProcessorCode, String loanScheduleType,
String loanScheduleProcessingType) {
LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
return loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(clientId).productId(loanProductId.longValue())
.expectedDisbursementDate(expectedDisbursementDate).dateFormat(DATETIME_PATTERN)
.transactionProcessingStrategyCode(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
.locale("en").submittedOnDate(submittedOnDate).amortizationType(1).interestRatePerPeriod(interestRate)
.interestCalculationPeriodType(1).interestType(0).repaymentFrequencyType(0).repaymentEvery(repaymentAfterEvery)
.repaymentFrequencyType(0).numberOfRepayments(numberOfRepayments).loanTermFrequency(loanTermFrequency)
.loanTermFrequencyType(0).principal(BigDecimal.valueOf(principal)).loanType("individual")
.maxOutstandingLoanBalance(BigDecimal.valueOf(35000)));
.transactionProcessingStrategyCode(transactionProcessorCode).locale("en").submittedOnDate(submittedOnDate)
.amortizationType(1).interestRatePerPeriod(interestRate).interestCalculationPeriodType(1).interestType(0)
.repaymentFrequencyType(0).repaymentEvery(repaymentAfterEvery).repaymentFrequencyType(0)
.numberOfRepayments(numberOfRepayments).loanTermFrequency(loanTermFrequency).loanTermFrequencyType(0)
.principal(BigDecimal.valueOf(principal)).loanType("individual").loanScheduleProcessingType(loanScheduleProcessingType)
.loanScheduleType(loanScheduleType).maxOutstandingLoanBalance(BigDecimal.valueOf(35000)));
}
private static PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final Long principal,
final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final int interestRate,
final String expectedDisbursementDate, final String submittedOnDate) {
LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
return applyForLoanApplication(clientId, loanProductId, principal, loanTermFrequency, repaymentAfterEvery, numberOfRepayments,
interestRate, expectedDisbursementDate, submittedOnDate,
AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY, LoanScheduleType.PROGRESSIVE.name(),
LoanScheduleProcessingType.HORIZONTAL.name());
}
private static void validateLoanTransaction(GetLoansLoanIdResponse loanDetails, int index, double transactionAmount,
integration-tests/src/test/java/org/apache/fineract/integrationtests/RefundForActiveLoansWithAdvancedPaymentAllocationTest.java
+3
View File
@@ -54,6 +54,8 @@ import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
import org.junit.jupiter.api.BeforeAll;
import org.junit.jupiter.api.Test;
@@ -294,6 +296,7 @@ public class RefundForActiveLoansWithAdvancedPaymentAllocationTest {
.withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments)
.withEnableDownPayment(true, "25", true).withinterestRatePerPeriod("0").withInterestRateFrequencyTypeAsMonths()
.withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
.withLoanScheduleType(LoanScheduleType.PROGRESSIVE).withLoanScheduleProcessingType(LoanScheduleProcessingType.VERTICAL)
.withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
.addAdvancedPaymentAllocation(defaultAllocation).withDaysInMonth("30").withDaysInYear("365").withMoratorium("0", "0")
.build(null);
integration-tests/src/test/java/org/apache/fineract/integrationtests/common/loans/LoanProductTestBuilder.java
+10 -2
View File
@@ -28,6 +28,7 @@ import java.util.Map;
import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.integrationtests.common.Utils;
import org.apache.fineract.integrationtests.common.accounting.Account;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
public class LoanProductTestBuilder {
@@ -152,7 +153,8 @@ public class LoanProductTestBuilder {
private boolean enableAutoRepaymentForDownPayment = false;
private Integer repaymentStartDateType = null;
private boolean disableScheduleExtensionForDownPayment = false;
private LoanScheduleType loanScheduleType = LoanScheduleType.CUMULATIVE;
private String loanScheduleType = LoanScheduleType.CUMULATIVE.name();
private String loanScheduleProcessingType = LoanScheduleProcessingType.HORIZONTAL.name();
public String build() {
final HashMap<String, Object> map = build(null, null);
@@ -310,6 +312,7 @@ public class LoanProductTestBuilder {
map.put("disableScheduleExtensionForDownPayment", disableScheduleExtensionForDownPayment);
}
map.put("loanScheduleType", loanScheduleType);
map.put("loanScheduleProcessingType", loanScheduleProcessingType);
return map;
}
@@ -751,7 +754,12 @@ public class LoanProductTestBuilder {
}
public LoanProductTestBuilder withLoanScheduleType(LoanScheduleType loanScheduleType) {
this.loanScheduleType = loanScheduleType;
this.loanScheduleType = loanScheduleType.name();
return this;
}
public LoanProductTestBuilder withLoanScheduleProcessingType(LoanScheduleProcessingType loanScheduleProcessingType) {
this.loanScheduleProcessingType = loanScheduleProcessingType.name();
return this;
}
}