[FINERACT-1968] charge payment adv.paym.alloc.strategy
This commit is contained in:
taskain7
+7
-2
@@ -275,10 +275,15 @@ public class LoanTransaction extends AbstractAuditableWithUTCDateTimeCustom {
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}
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public static LoanTransaction copyTransactionProperties(final LoanTransaction loanTransaction) {
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return new LoanTransaction(loanTransaction.loan, loanTransaction.office, loanTransaction.typeOf, loanTransaction.dateOf,
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loanTransaction.amount, loanTransaction.principalPortion, loanTransaction.interestPortion,
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LoanTransaction newTransaction = new LoanTransaction(loanTransaction.loan, loanTransaction.office, loanTransaction.typeOf,
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loanTransaction.dateOf, loanTransaction.amount, loanTransaction.principalPortion, loanTransaction.interestPortion,
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loanTransaction.feeChargesPortion, loanTransaction.penaltyChargesPortion, loanTransaction.overPaymentPortion,
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loanTransaction.reversed, loanTransaction.paymentDetail, loanTransaction.externalId);
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if (LoanTransactionType.CHARGE_PAYMENT.equals(loanTransaction.getTypeOf())) {
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newTransaction.getLoanChargesPaid().addAll(loanTransaction.getLoanChargesPaid());
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}
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return newTransaction;
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}
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public static LoanTransaction accrueLoanCharge(final Loan loan, final Office office, final Money amount, final LocalDate applyDate,
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+2
-1
@@ -37,7 +37,8 @@ public enum PaymentAllocationTransactionType {
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GOODWILL_CREDIT(LoanTransactionType.GOODWILL_CREDIT, "Goodwill credit"), //
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CHARGE_REFUND(LoanTransactionType.CHARGE_REFUND, "Charge refund"), //
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CHARGE_ADJUSTMENT(LoanTransactionType.CHARGE_ADJUSTMENT, "Charge adjustment"), //
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WAIVE_INTEREST(LoanTransactionType.WAIVE_INTEREST, "Waive interest");//
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WAIVE_INTEREST(LoanTransactionType.WAIVE_INTEREST, "Waive interest"), CHARGE_PAYMENT(LoanTransactionType.CHARGE_PAYMENT,
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"Charge payment");//
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private final LoanTransactionType loanTransactionType;
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private final String humanReadableName;
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+177
-98
@@ -26,6 +26,7 @@ import java.util.Collections;
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import java.util.Comparator;
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import java.util.List;
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import java.util.Set;
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import java.util.stream.Collectors;
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import lombok.AllArgsConstructor;
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import lombok.Getter;
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import lombok.Setter;
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@@ -38,6 +39,7 @@ import org.apache.fineract.organisation.monetary.domain.Money;
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import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
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import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
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import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
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import org.apache.fineract.portfolio.loanaccount.domain.LoanChargePaidBy;
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import org.apache.fineract.portfolio.loanaccount.domain.LoanPaymentAllocationRule;
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import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
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import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
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@@ -183,11 +185,11 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
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case WRITEOFF -> handleWriteOff(loanTransaction, currency, installments);
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case REFUND_FOR_ACTIVE_LOAN -> handleRefund(loanTransaction, currency, installments, charges);
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case CHARGEBACK -> handleChargeback(loanTransaction, currency, overpaidAmount, installments);
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case REPAYMENT, MERCHANT_ISSUED_REFUND, PAYOUT_REFUND, GOODWILL_CREDIT, CHARGE_REFUND, CHARGE_ADJUSTMENT, DOWN_PAYMENT,
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WAIVE_INTEREST, RECOVERY_REPAYMENT ->
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handleRepayment(loanTransaction, currency, installments, charges);
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case CHARGE_OFF -> handleChargeOff(loanTransaction, currency, installments);
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case CHARGE_PAYMENT -> handleChargePayment(loanTransaction, currency, installments, charges);
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// TODO: Cover rest of the transaction types
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default -> {
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log.warn("Unhandled transaction processing for transaction type: {}", loanTransaction.getTypeOf());
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@@ -249,6 +251,153 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
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loanTransaction.resetDerivedComponents();
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}
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Money transactionAmountUnprocessed = loanTransaction.getAmount(currency);
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processTransaction(loanTransaction, currency, installments, transactionAmountUnprocessed, charges);
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}
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private LoanTransactionToRepaymentScheduleMapping getTransactionMapping(
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List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, LoanTransaction loanTransaction,
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LoanRepaymentScheduleInstallment currentInstallment, MonetaryCurrency currency) {
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Money zero = Money.zero(currency);
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LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping = transactionMappings.stream()
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.filter(e -> loanTransaction.equals(e.getLoanTransaction()))
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.filter(e -> currentInstallment.equals(e.getLoanRepaymentScheduleInstallment())).findFirst().orElse(null);
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if (loanTransactionToRepaymentScheduleMapping == null) {
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loanTransactionToRepaymentScheduleMapping = LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction,
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currentInstallment, zero, zero, zero, zero);
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transactionMappings.add(loanTransactionToRepaymentScheduleMapping);
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}
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return loanTransactionToRepaymentScheduleMapping;
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}
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private Money payAllocation(PaymentAllocationType paymentAllocationType, LoanRepaymentScheduleInstallment currentInstallment,
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LoanTransaction loanTransaction, Money transactionAmountUnprocessed,
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LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping, Balances balances) {
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LocalDate transactionDate = loanTransaction.getTransactionDate();
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Money zero = transactionAmountUnprocessed.zero();
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return switch (paymentAllocationType.getAllocationType()) {
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case PENALTY -> {
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Money subPenaltyPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedPenaltyChargesPortion(balances.getAggregatedPenaltyChargesPortion().add(subPenaltyPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, zero, subPenaltyPortion);
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yield subPenaltyPortion;
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}
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case FEE -> {
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Money subFeePortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedFeeChargesPortion(balances.getAggregatedFeeChargesPortion().add(subFeePortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, subFeePortion, zero);
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yield subFeePortion;
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}
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case INTEREST -> {
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Money subInterestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedInterestPortion(balances.getAggregatedInterestPortion().add(subInterestPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, subInterestPortion, zero, zero);
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yield subInterestPortion;
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}
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case PRINCIPAL -> {
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Money subPrincipalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedPrincipalPortion(balances.getAggregatedPrincipalPortion().add(subPrincipalPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, subPrincipalPortion, zero, zero, zero);
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yield subPrincipalPortion;
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}
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};
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}
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private void addToTransactionMapping(LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping,
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Money principalPortion, Money interestPortion, Money feePortion, Money penaltyPortion) {
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BigDecimal aggregatedPenalty = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getPenaltyChargesPortion(), BigDecimal.ZERO)
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.add(penaltyPortion.getAmount());
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BigDecimal aggregatedFee = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getFeeChargesPortion(), BigDecimal.ZERO)
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.add(feePortion.getAmount());
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BigDecimal aggregatedInterest = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getInterestPortion(), BigDecimal.ZERO)
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.add(interestPortion.getAmount());
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BigDecimal aggregatedPrincipal = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getPrincipalPortion(), BigDecimal.ZERO)
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.add(principalPortion.getAmount());
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loanTransactionToRepaymentScheduleMapping.setComponents(aggregatedPrincipal, aggregatedInterest, aggregatedFee, aggregatedPenalty);
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}
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private void handleOverpayment(Money overpaymentPortion, LoanTransaction loanTransaction) {
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if (overpaymentPortion.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, overpaymentPortion);
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loanTransaction.updateOverPayments(overpaymentPortion);
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}
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}
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private void handleChargeOff(LoanTransaction loanTransaction, MonetaryCurrency currency,
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List<LoanRepaymentScheduleInstallment> installments) {
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loanTransaction.resetDerivedComponents();
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// determine how much is outstanding total and breakdown for principal, interest and charges
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Money principalPortion = Money.zero(currency);
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Money interestPortion = Money.zero(currency);
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Money feeChargesPortion = Money.zero(currency);
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Money penaltychargesPortion = Money.zero(currency);
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for (final LoanRepaymentScheduleInstallment currentInstallment : installments) {
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if (currentInstallment.isNotFullyPaidOff()) {
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principalPortion = principalPortion.plus(currentInstallment.getPrincipalOutstanding(currency));
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interestPortion = interestPortion.plus(currentInstallment.getInterestOutstanding(currency));
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feeChargesPortion = feeChargesPortion.plus(currentInstallment.getFeeChargesOutstanding(currency));
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penaltychargesPortion = penaltychargesPortion.plus(currentInstallment.getPenaltyChargesCharged(currency));
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}
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}
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loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion);
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}
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private void handleChargePayment(LoanTransaction loanTransaction, MonetaryCurrency currency,
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List<LoanRepaymentScheduleInstallment> installments, Set<LoanCharge> charges) {
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Money zero = Money.zero(currency);
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Money feeChargesPortion = zero;
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Money penaltyChargesPortion = zero;
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List<LoanTransactionToRepaymentScheduleMapping> transactionMappings = new ArrayList<>();
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LoanChargePaidBy loanChargePaidBy = loanTransaction.getLoanChargesPaid().stream().findFirst().get();
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LoanCharge loanCharge = loanChargePaidBy.getLoanCharge();
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Money amountToBePaid = Money.of(currency, loanTransaction.getAmount());
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if (loanCharge.getAmountOutstanding(currency).isLessThan(amountToBePaid)) {
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amountToBePaid = loanCharge.getAmountOutstanding(currency);
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}
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LocalDate startDate = loanTransaction.getLoan().getDisbursementDate();
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Money unprocessed = loanTransaction.getAmount(currency);
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for (final LoanRepaymentScheduleInstallment installment : installments) {
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boolean isDue = installment.isFirstPeriod()
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? loanCharge.isDueForCollectionFromIncludingAndUpToAndIncluding(startDate, installment.getDueDate())
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: loanCharge.isDueForCollectionFromAndUpToAndIncluding(startDate, installment.getDueDate());
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if (isDue) {
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Integer installmentNumber = installment.getInstallmentNumber();
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Money paidAmount = loanCharge.updatePaidAmountBy(amountToBePaid, installmentNumber, zero);
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LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping = getTransactionMapping(
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transactionMappings, loanTransaction, installment, currency);
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if (loanTransaction.isPenaltyPayment()) {
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penaltyChargesPortion = installment.payPenaltyChargesComponent(loanTransaction.getTransactionDate(), paidAmount);
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loanTransaction.setLoanChargesPaid(Collections
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.singleton(new LoanChargePaidBy(loanTransaction, loanCharge, paidAmount.getAmount(), installmentNumber)));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, zero, penaltyChargesPortion);
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} else {
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feeChargesPortion = installment.payFeeChargesComponent(loanTransaction.getTransactionDate(), paidAmount);
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loanTransaction.setLoanChargesPaid(Collections
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.singleton(new LoanChargePaidBy(loanTransaction, loanCharge, paidAmount.getAmount(), installmentNumber)));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, feeChargesPortion, zero);
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}
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loanTransaction.updateComponents(zero, zero, feeChargesPortion, penaltyChargesPortion);
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unprocessed = loanTransaction.getAmount(currency).minus(paidAmount);
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loanTransaction.updateLoanTransactionToRepaymentScheduleMappings(transactionMappings);
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}
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}
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if (unprocessed.isGreaterThanZero()) {
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processTransaction(loanTransaction, currency, installments, unprocessed, charges);
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}
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}
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private void processTransaction(LoanTransaction loanTransaction, MonetaryCurrency currency,
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List<LoanRepaymentScheduleInstallment> installments, Money transactionAmountUnprocessed, Set<LoanCharge> charges) {
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Money zero = Money.zero(currency);
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List<LoanTransactionToRepaymentScheduleMapping> transactionMappings = new ArrayList<>();
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@@ -345,116 +494,46 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
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balances.getAggregatedFeeChargesPortion(), balances.getAggregatedPenaltyChargesPortion());
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loanTransaction.updateLoanTransactionToRepaymentScheduleMappings(transactionMappings);
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payAdditionalCharges(loanTransaction, currency, charges);
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handleOverpayment(transactionAmountUnprocessed, loanTransaction);
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}
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private void payAdditionalCharges(LoanTransaction loanTransaction, MonetaryCurrency currency, Set<LoanCharge> charges) {
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final Set<LoanCharge> paidFeeCharges = loanTransaction.getLoanChargesPaid().stream() //
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.map(LoanChargePaidBy::getLoanCharge) //
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.filter(LoanCharge::isFeeCharge).collect(Collectors.toSet());
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final Set<LoanCharge> paidPenaltyCharges = loanTransaction.getLoanChargesPaid().stream() //
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.map(LoanChargePaidBy::getLoanCharge) //
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.filter(LoanCharge::isPenaltyCharge).collect(Collectors.toSet());
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// TODO: rewrite to provide sorted list
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final Set<LoanCharge> loanFees = extractFeeCharges(charges);
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final Set<LoanCharge> loanPenalties = extractPenaltyCharges(charges);
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loanFees.removeAll(paidFeeCharges);
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loanPenalties.removeAll(paidPenaltyCharges);
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BigDecimal sumFeePaidAmount = paidFeeCharges.stream() //
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.map(paidCharge -> paidCharge.getAmountPaid(currency)) //
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.map(Money::getAmount) //
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.reduce(BigDecimal.ZERO, BigDecimal::add);
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BigDecimal sumPenaltyPaidAmount = paidPenaltyCharges.stream() //
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.map(paidCharge -> paidCharge.getAmountPaid(currency)) //
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.map(Money::getAmount) //
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.reduce(BigDecimal.ZERO, BigDecimal::add);
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if (loanTransaction.isNotWaiver() && !loanTransaction.isAccrual()) {
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Money feeCharges = loanTransaction.getFeeChargesPortion(currency);
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Money penaltyCharges = loanTransaction.getPenaltyChargesPortion(currency);
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Money feeCharges = loanTransaction.getFeeChargesPortion(currency).minus(sumFeePaidAmount);
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Money penaltyCharges = loanTransaction.getPenaltyChargesPortion(currency).minus(sumPenaltyPaidAmount);
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if (feeCharges.isGreaterThanZero()) {
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// TODO: Rewrite to exclude charge payment
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updateChargesPaidAmountBy(loanTransaction, feeCharges, loanFees, null);
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}
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if (penaltyCharges.isGreaterThanZero()) {
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// TODO: Rewrite to exclude charge payment
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updateChargesPaidAmountBy(loanTransaction, penaltyCharges, loanPenalties, null);
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}
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}
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handleOverpayment(transactionAmountUnprocessed, loanTransaction);
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}
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private LoanTransactionToRepaymentScheduleMapping getTransactionMapping(
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List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, LoanTransaction loanTransaction,
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LoanRepaymentScheduleInstallment currentInstallment, MonetaryCurrency currency) {
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Money zero = Money.zero(currency);
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LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping = transactionMappings.stream()
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.filter(e -> loanTransaction.equals(e.getLoanTransaction()))
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.filter(e -> currentInstallment.equals(e.getLoanRepaymentScheduleInstallment())).findFirst().orElse(null);
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if (loanTransactionToRepaymentScheduleMapping == null) {
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loanTransactionToRepaymentScheduleMapping = LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction,
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currentInstallment, zero, zero, zero, zero);
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transactionMappings.add(loanTransactionToRepaymentScheduleMapping);
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}
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return loanTransactionToRepaymentScheduleMapping;
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}
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private Money payAllocation(PaymentAllocationType paymentAllocationType, LoanRepaymentScheduleInstallment currentInstallment,
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LoanTransaction loanTransaction, Money transactionAmountUnprocessed,
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LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping, Balances balances) {
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LocalDate transactionDate = loanTransaction.getTransactionDate();
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Money zero = transactionAmountUnprocessed.zero();
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return switch (paymentAllocationType.getAllocationType()) {
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case PENALTY -> {
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Money subPenaltyPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedPenaltyChargesPortion(balances.getAggregatedPenaltyChargesPortion().add(subPenaltyPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, zero, subPenaltyPortion);
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yield subPenaltyPortion;
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}
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case FEE -> {
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Money subFeePortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedFeeChargesPortion(balances.getAggregatedFeeChargesPortion().add(subFeePortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, zero, subFeePortion, zero);
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yield subFeePortion;
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}
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case INTEREST -> {
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Money subInterestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedInterestPortion(balances.getAggregatedInterestPortion().add(subInterestPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, zero, subInterestPortion, zero, zero);
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yield subInterestPortion;
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}
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case PRINCIPAL -> {
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Money subPrincipalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountUnprocessed);
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balances.setAggregatedPrincipalPortion(balances.getAggregatedPrincipalPortion().add(subPrincipalPortion));
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addToTransactionMapping(loanTransactionToRepaymentScheduleMapping, subPrincipalPortion, zero, zero, zero);
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yield subPrincipalPortion;
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}
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};
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}
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private void addToTransactionMapping(LoanTransactionToRepaymentScheduleMapping loanTransactionToRepaymentScheduleMapping,
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Money principalPortion, Money interestPortion, Money feePortion, Money penaltyPortion) {
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BigDecimal aggregatedPenalty = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getPenaltyChargesPortion(), BigDecimal.ZERO)
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.add(penaltyPortion.getAmount());
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BigDecimal aggregatedFee = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getFeeChargesPortion(), BigDecimal.ZERO)
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.add(feePortion.getAmount());
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BigDecimal aggregatedInterest = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getInterestPortion(), BigDecimal.ZERO)
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.add(interestPortion.getAmount());
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BigDecimal aggregatedPrincipal = ObjectUtils
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.defaultIfNull(loanTransactionToRepaymentScheduleMapping.getPrincipalPortion(), BigDecimal.ZERO)
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.add(principalPortion.getAmount());
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loanTransactionToRepaymentScheduleMapping.setComponents(aggregatedPrincipal, aggregatedInterest, aggregatedFee, aggregatedPenalty);
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}
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private void handleOverpayment(Money overpaymentPortion, LoanTransaction loanTransaction) {
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if (overpaymentPortion.isGreaterThanZero()) {
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onLoanOverpayment(loanTransaction, overpaymentPortion);
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loanTransaction.updateOverPayments(overpaymentPortion);
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}
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}
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private void handleChargeOff(LoanTransaction loanTransaction, MonetaryCurrency currency,
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List<LoanRepaymentScheduleInstallment> installments) {
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loanTransaction.resetDerivedComponents();
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// determine how much is outstanding total and breakdown for principal, interest and charges
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Money principalPortion = Money.zero(currency);
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Money interestPortion = Money.zero(currency);
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Money feeChargesPortion = Money.zero(currency);
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Money penaltychargesPortion = Money.zero(currency);
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for (final LoanRepaymentScheduleInstallment currentInstallment : installments) {
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if (currentInstallment.isNotFullyPaidOff()) {
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principalPortion = principalPortion.plus(currentInstallment.getPrincipalOutstanding(currency));
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interestPortion = interestPortion.plus(currentInstallment.getInterestOutstanding(currency));
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feeChargesPortion = feeChargesPortion.plus(currentInstallment.getFeeChargesOutstanding(currency));
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penaltychargesPortion = penaltychargesPortion.plus(currentInstallment.getPenaltyChargesCharged(currency));
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}
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}
|
||||
|
||||
loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion);
|
||||
}
|
||||
|
||||
@AllArgsConstructor
|
||||
|
||||
+360
@@ -0,0 +1,360 @@
|
||||
/**
|
||||
* 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.integrationtests;
|
||||
|
||||
import static org.apache.fineract.accounting.common.AccountingConstants.FinancialActivity.LIABILITY_TRANSFER;
|
||||
import static org.junit.jupiter.api.Assertions.assertEquals;
|
||||
|
||||
import io.restassured.builder.RequestSpecBuilder;
|
||||
import io.restassured.builder.ResponseSpecBuilder;
|
||||
import io.restassured.http.ContentType;
|
||||
import io.restassured.specification.RequestSpecification;
|
||||
import io.restassured.specification.ResponseSpecification;
|
||||
import java.math.BigDecimal;
|
||||
import java.time.LocalDate;
|
||||
import java.time.format.DateTimeFormatter;
|
||||
import java.time.format.DateTimeFormatterBuilder;
|
||||
import java.util.ArrayList;
|
||||
import java.util.Arrays;
|
||||
import java.util.HashMap;
|
||||
import java.util.List;
|
||||
import java.util.concurrent.atomic.AtomicInteger;
|
||||
import lombok.extern.slf4j.Slf4j;
|
||||
import org.apache.fineract.client.models.AdvancedPaymentData;
|
||||
import org.apache.fineract.client.models.BusinessDateRequest;
|
||||
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
|
||||
import org.apache.fineract.client.models.PaymentAllocationOrder;
|
||||
import org.apache.fineract.client.models.PostClientsResponse;
|
||||
import org.apache.fineract.client.models.PostLoansLoanIdRequest;
|
||||
import org.apache.fineract.client.models.PostLoansRequest;
|
||||
import org.apache.fineract.client.models.PostLoansResponse;
|
||||
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.CollateralManagementHelper;
|
||||
import org.apache.fineract.integrationtests.common.CommonConstants;
|
||||
import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
|
||||
import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
|
||||
import org.apache.fineract.integrationtests.common.Utils;
|
||||
import org.apache.fineract.integrationtests.common.accounting.Account;
|
||||
import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
|
||||
import org.apache.fineract.integrationtests.common.accounting.FinancialActivityAccountHelper;
|
||||
import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
|
||||
import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
|
||||
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.integrationtests.common.savings.SavingsAccountHelper;
|
||||
import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper;
|
||||
import org.apache.fineract.integrationtests.common.savings.SavingsStatusChecker;
|
||||
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
|
||||
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
|
||||
import org.junit.jupiter.api.AfterAll;
|
||||
import org.junit.jupiter.api.Assertions;
|
||||
import org.junit.jupiter.api.BeforeAll;
|
||||
import org.junit.jupiter.api.Test;
|
||||
import org.junit.jupiter.api.extension.ExtendWith;
|
||||
|
||||
@ExtendWith(LoanTestLifecycleExtension.class)
|
||||
@Slf4j
|
||||
public class LoanChargePaymentWithAdvancedPaymentAllocationTest {
|
||||
|
||||
private static final String DATETIME_PATTERN = "dd MMMM yyyy";
|
||||
private static final String ACCOUNT_TYPE_INDIVIDUAL = "INDIVIDUAL";
|
||||
private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern(DATETIME_PATTERN).toFormatter();
|
||||
private static RequestSpecification requestSpec;
|
||||
private static ResponseSpecification responseSpec;
|
||||
private static LoanTransactionHelper loanTransactionHelper;
|
||||
private static AccountHelper accountHelper;
|
||||
private static Integer commonLoanProductId;
|
||||
private static PostClientsResponse client;
|
||||
private static BusinessDateHelper businessDateHelper;
|
||||
private static SchedulerJobHelper scheduleJobHelper;
|
||||
private static SavingsAccountHelper savingsAccountHelper;
|
||||
private static SavingsProductHelper savingsProductHelper;
|
||||
private static FinancialActivityAccountHelper financialActivityAccountHelper;
|
||||
private static Integer financialActivityAccountId;
|
||||
private static Account liabilityTransferAccount;
|
||||
|
||||
@BeforeAll
|
||||
public static void setup() {
|
||||
Utils.initializeRESTAssured();
|
||||
ClientHelper clientHelper = new ClientHelper(requestSpec, responseSpec);
|
||||
requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
|
||||
requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
|
||||
requestSpec.header("Fineract-Platform-TenantId", "default");
|
||||
responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
|
||||
|
||||
loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec);
|
||||
accountHelper = new AccountHelper(requestSpec, responseSpec);
|
||||
final Account assetAccount = accountHelper.createAssetAccount();
|
||||
final Account incomeAccount = accountHelper.createIncomeAccount();
|
||||
final Account expenseAccount = accountHelper.createExpenseAccount();
|
||||
final Account overpaymentAccount = accountHelper.createLiabilityAccount();
|
||||
client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
|
||||
businessDateHelper = new BusinessDateHelper();
|
||||
scheduleJobHelper = new SchedulerJobHelper(requestSpec);
|
||||
savingsAccountHelper = new SavingsAccountHelper(requestSpec, responseSpec);
|
||||
savingsProductHelper = new SavingsProductHelper();
|
||||
commonLoanProductId = createLoanProduct("500", "15", "4", assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
|
||||
financialActivityAccountHelper = new FinancialActivityAccountHelper(requestSpec);
|
||||
|
||||
List<HashMap> financialActivities = financialActivityAccountHelper.getAllFinancialActivityAccounts(responseSpec);
|
||||
if (financialActivities.isEmpty()) {
|
||||
/** Setup liability transfer account **/
|
||||
/** Create a Liability and an Asset Transfer Account **/
|
||||
liabilityTransferAccount = accountHelper.createLiabilityAccount();
|
||||
Assertions.assertNotNull(liabilityTransferAccount);
|
||||
|
||||
/*** Create A Financial Activity to Account Mapping **/
|
||||
financialActivityAccountId = (Integer) financialActivityAccountHelper.createFinancialActivityAccount(
|
||||
LIABILITY_TRANSFER.getValue(), liabilityTransferAccount.getAccountID(), responseSpec,
|
||||
CommonConstants.RESPONSE_RESOURCE_ID);
|
||||
Assertions.assertNotNull(financialActivityAccountId);
|
||||
} else {
|
||||
for (HashMap financialActivity : financialActivities) {
|
||||
HashMap financialActivityData = (HashMap) financialActivity.get("financialActivityData");
|
||||
if (financialActivityData.get("id").equals(FinancialActivityAccountsTest.LIABILITY_TRANSFER_FINANCIAL_ACTIVITY_ID)) {
|
||||
HashMap glAccountData = (HashMap) financialActivity.get("glAccountData");
|
||||
liabilityTransferAccount = new Account((Integer) glAccountData.get("id"), Account.AccountType.LIABILITY);
|
||||
financialActivityAccountId = (Integer) financialActivity.get("id");
|
||||
break;
|
||||
}
|
||||
}
|
||||
}
|
||||
}
|
||||
|
||||
@AfterAll
|
||||
public static void tearDown() {
|
||||
Integer deletedFinancialActivityAccountId = financialActivityAccountHelper
|
||||
.deleteFinancialActivityAccount(financialActivityAccountId, responseSpec, CommonConstants.RESPONSE_RESOURCE_ID);
|
||||
Assertions.assertNotNull(deletedFinancialActivityAccountId);
|
||||
Assertions.assertEquals(financialActivityAccountId, deletedFinancialActivityAccountId);
|
||||
}
|
||||
|
||||
@Test
|
||||
public void feeAndPenaltyChargePaymentWithDefaultAllocationRuleTest() {
|
||||
try {
|
||||
|
||||
final String jobName = "Transfer Fee For Loans From Savings";
|
||||
final String startDate = "10 April 2022";
|
||||
|
||||
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
|
||||
businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
|
||||
.date("2023.02.15").dateFormat("yyyy.MM.dd").locale("en"));
|
||||
|
||||
final Integer savingsId = createSavingsAccountDailyPosting(client.getClientId().intValue(), startDate);
|
||||
|
||||
savingsAccountHelper.depositToSavingsAccount(savingsId, "10000", startDate, CommonConstants.RESPONSE_RESOURCE_ID);
|
||||
|
||||
final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, 1000L, 45, 15, 3, 0,
|
||||
"01 January 2023", "01 January 2023");
|
||||
|
||||
int loanId = loanResponse.getLoanId().intValue();
|
||||
|
||||
loanTransactionHelper.updateLoan(loanId,
|
||||
updateLoanJson(client.getClientId().intValue(), commonLoanProductId, savingsId.toString()));
|
||||
|
||||
loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
|
||||
new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).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(1000.00)).locale("en"));
|
||||
|
||||
final float feePortion = 50.0f;
|
||||
final float penaltyPortion = 100.0f;
|
||||
|
||||
Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||
ChargesHelper.getLoanSpecifiedDueDateWithAccountTransferJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT,
|
||||
String.valueOf(feePortion), false));
|
||||
|
||||
Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||
ChargesHelper.getLoanSpecifiedDueDateWithAccountTransferJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT,
|
||||
String.valueOf(penaltyPortion), true));
|
||||
|
||||
LocalDate targetDate = LocalDate.of(2023, 1, 3);
|
||||
final String penaltyChargeAddedDate = DATE_FORMATTER.format(targetDate);
|
||||
loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper
|
||||
.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), penaltyChargeAddedDate, String.valueOf(feePortion)));
|
||||
|
||||
loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(
|
||||
String.valueOf(penalty), penaltyChargeAddedDate, String.valueOf(penaltyPortion)));
|
||||
|
||||
loanTransactionHelper.noAccrualTransactionForRepayment(loanId);
|
||||
|
||||
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||
|
||||
assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size());
|
||||
assertEquals(feePortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesDue());
|
||||
assertEquals(feePortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesOutstanding());
|
||||
assertEquals(penaltyPortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesDue());
|
||||
assertEquals(penaltyPortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesOutstanding());
|
||||
assertEquals(400.0f, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalDueForPeriod());
|
||||
assertEquals(400.0f, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalOutstandingForPeriod());
|
||||
assertEquals(LocalDate.of(2023, 1, 16), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
|
||||
|
||||
scheduleJobHelper.executeAndAwaitJob(jobName);
|
||||
|
||||
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||
assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size());
|
||||
assertEquals(feePortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesDue());
|
||||
assertEquals(0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesOutstanding());
|
||||
assertEquals(penaltyPortion, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesDue());
|
||||
assertEquals(0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesOutstanding());
|
||||
assertEquals(400, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalDueForPeriod());
|
||||
assertEquals(250, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalOutstandingForPeriod());
|
||||
assertEquals(LocalDate.of(2023, 1, 16), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
|
||||
} finally {
|
||||
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
|
||||
}
|
||||
}
|
||||
|
||||
private Integer createSavingsAccountDailyPosting(final Integer clientID, String startDate) {
|
||||
final Integer savingsProductID = createSavingsProductDailyPosting();
|
||||
Assertions.assertNotNull(savingsProductID);
|
||||
final Integer savingsId = savingsAccountHelper.applyForSavingsApplicationOnDate(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL,
|
||||
startDate);
|
||||
Assertions.assertNotNull(savingsId);
|
||||
HashMap savingsStatusHashMap = savingsAccountHelper.approveSavingsOnDate(savingsId, startDate);
|
||||
SavingsStatusChecker.verifySavingsIsApproved(savingsStatusHashMap);
|
||||
savingsStatusHashMap = savingsAccountHelper.activateSavingsAccount(savingsId, startDate);
|
||||
SavingsStatusChecker.verifySavingsIsActive(savingsStatusHashMap);
|
||||
return savingsId;
|
||||
}
|
||||
|
||||
private Integer createSavingsProductDailyPosting() {
|
||||
final String savingsProductJSON = savingsProductHelper.withInterestCompoundingPeriodTypeAsDaily()
|
||||
.withInterestPostingPeriodTypeAsMonthly().withInterestCalculationPeriodTypeAsDailyBalance()
|
||||
.withMinimumOpenningBalance("10000.0").build();
|
||||
return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec);
|
||||
}
|
||||
|
||||
private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments,
|
||||
final Account... accounts) {
|
||||
AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation();
|
||||
AdvancedPaymentData goodwillCreditAllocation = createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT");
|
||||
AdvancedPaymentData merchantIssuedRefundAllocation = createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION");
|
||||
AdvancedPaymentData payoutRefundAllocation = createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT");
|
||||
log.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
|
||||
final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal)
|
||||
.withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments)
|
||||
.withEnableDownPayment(true, "25", true).withinterestRatePerPeriod("0").withInterestRateFrequencyTypeAsMonths()
|
||||
.withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
|
||||
.withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
|
||||
.addAdvancedPaymentAllocation(defaultAllocation, goodwillCreditAllocation, merchantIssuedRefundAllocation,
|
||||
payoutRefundAllocation)
|
||||
.withDaysInMonth("30").withDaysInYear("365").withMoratorium("0", "0").build(null);
|
||||
return loanTransactionHelper.getLoanProductId(loanProductJSON);
|
||||
}
|
||||
|
||||
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 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"));
|
||||
}
|
||||
|
||||
private String updateLoanJson(final Integer clientID, final Integer loanProductID, String savingsId) {
|
||||
log.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
|
||||
List<HashMap> collaterals = new ArrayList<>();
|
||||
final Integer collateralId = CollateralManagementHelper.createCollateralProduct(this.requestSpec, this.responseSpec);
|
||||
Assertions.assertNotNull(collateralId);
|
||||
final Integer clientCollateralId = CollateralManagementHelper.createClientCollateral(this.requestSpec, this.responseSpec,
|
||||
clientID.toString(), collateralId);
|
||||
Assertions.assertNotNull(clientCollateralId);
|
||||
addCollaterals(collaterals, clientCollateralId, BigDecimal.valueOf(1));
|
||||
|
||||
final String loanApplicationJSON = new LoanApplicationTestBuilder() //
|
||||
.withPrincipal("1,000.00") //
|
||||
.withLoanTermFrequency("45") //
|
||||
.withLoanTermFrequencyAsDays() //
|
||||
.withNumberOfRepayments("3") //
|
||||
.withRepaymentEveryAfter("15") //
|
||||
.withRepaymentFrequencyTypeAsDays() //
|
||||
.withInterestRatePerPeriod("0") //
|
||||
.withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
|
||||
.withAmortizationTypeAsEqualInstallments() //
|
||||
.withInterestTypeAsDecliningBalance() //
|
||||
.withInterestCalculationPeriodTypeSameAsRepaymentPeriod() //
|
||||
.withExpectedDisbursementDate("01 January 2023") //
|
||||
.withSubmittedOnDate("01 January 2023") //
|
||||
.withCollaterals(collaterals) //
|
||||
.build(clientID.toString(), loanProductID.toString(), savingsId);
|
||||
return loanApplicationJSON;
|
||||
}
|
||||
|
||||
private void addCollaterals(List<HashMap> collaterals, Integer collateralId, BigDecimal quantity) {
|
||||
collaterals.add(collaterals(collateralId, quantity));
|
||||
}
|
||||
|
||||
private HashMap<String, String> collaterals(Integer collateralId, BigDecimal quantity) {
|
||||
HashMap<String, String> collateral = new HashMap<>(2);
|
||||
collateral.put("clientCollateralId", collateralId.toString());
|
||||
collateral.put("quantity", quantity.toString());
|
||||
return collateral;
|
||||
}
|
||||
|
||||
private static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule) {
|
||||
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
|
||||
advancedPaymentData.setTransactionType(transactionType);
|
||||
advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule);
|
||||
|
||||
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
|
||||
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
|
||||
PaymentAllocationType.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() {
|
||||
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
|
||||
advancedPaymentData.setTransactionType("DEFAULT");
|
||||
advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");
|
||||
|
||||
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
|
||||
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
|
||||
PaymentAllocationType.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 List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
|
||||
AtomicInteger integer = new AtomicInteger(1);
|
||||
return Arrays.stream(paymentAllocationTypes).map(pat -> {
|
||||
PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
|
||||
paymentAllocationOrder.setPaymentAllocationRule(pat.name());
|
||||
paymentAllocationOrder.setOrder(integer.getAndIncrement());
|
||||
return paymentAllocationOrder;
|
||||
}).toList();
|
||||
}
|
||||
}
|
||||
Reference in New Issue
Block a user