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FINERACT-2208: Penalties are not recalculated after backdated transactions

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This commit is contained in:
Arnold Galovics
2025-03-12 16:52:30 +01:00
committed by Arnold Gálovics
parent 91f0662998
commit 3198b1b99e
19 changed files with 1099 additions and 234 deletions
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integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
+33
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@@ -61,6 +61,7 @@ import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.AllowAttributeOverrides;
import org.apache.fineract.client.models.BusinessDateRequest;
import org.apache.fineract.client.models.GetJournalEntriesTransactionIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdChargesChargeIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdRepaymentPeriod;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdStatus;
@@ -71,6 +72,7 @@ import org.apache.fineract.client.models.LoanPointInTimeData;
import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostChargesResponse;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoansLoanIdChargesRequest;
import org.apache.fineract.client.models.PostLoansLoanIdChargesResponse;
import org.apache.fineract.client.models.PostLoansLoanIdRequest;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
@@ -796,6 +798,14 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
return chargeId.longValue();
}
protected Long createOverduePenaltyPercentageCharge(double percentageAmount, Integer feeFrequency, int feeInterval) {
Integer chargeId = ChargesHelper.createCharges(requestSpec, responseSpec,
ChargesHelper.getLoanOverdueFeeJSONWithCalculationTypePercentageWithFeeInterval(String.valueOf(percentageAmount),
feeFrequency, feeInterval));
assertNotNull(chargeId);
return chargeId.longValue();
}
protected void verifyRepaymentSchedule(GetLoansLoanIdResponse savedLoanResponse, GetLoansLoanIdResponse actualLoanResponse,
int totalPeriods, int identicalPeriods) {
List<GetLoansLoanIdRepaymentPeriod> savedPeriods = savedLoanResponse.getRepaymentSchedule().getPeriods();
@@ -934,6 +944,18 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
}
}
protected void runFromToInclusive(String fromDate, String toDate, Runnable runnable) {
DateTimeFormatter format = DateTimeFormatter.ofPattern(DATETIME_PATTERN);
LocalDate startDate = LocalDate.parse(fromDate, format);
LocalDate endDate = LocalDate.parse(toDate, format);
LocalDate currentDate = startDate;
while (currentDate.isBefore(endDate) || currentDate.isEqual(endDate)) {
runAt(format.format(currentDate), runnable);
currentDate = currentDate.plusDays(1);
}
}
protected void runAt(String date, Runnable runnable) {
try {
globalConfigurationHelper.updateGlobalConfiguration(GlobalConfigurationConstants.ENABLE_BUSINESS_DATE,
@@ -1092,6 +1114,17 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
return loanTransactionHelper.addChargeForLoan(loanId.intValue(), payload, responseSpec);
}
protected List<GetLoansLoanIdChargesChargeIdResponse> getOverdueInstallmentLoanCharges(Long loanId) {
return ok(fineractClient().loanCharges.retrieveAllLoanCharges(loanId)).stream() //
.filter(ch -> ch.getChargeTimeType().getId().intValue() == ChargesHelper.CHARGE_OVERDUE_INSTALLMENT_FEE) //
.toList(); //
}
protected void deactivateOverdueLoanCharges(Long loanId, String fromDueDate) {
ok(fineractClient().loanCharges.executeLoanCharge(loanId,
new PostLoansLoanIdChargesRequest().dueDate(fromDueDate).dateFormat(DATETIME_PATTERN).locale("en"), "deactivateOverdue"));
}
protected void waiveLoanCharge(Long loanId, Long chargeId, Integer installmentNumber) {
String payload = LoanTransactionHelper.getWaiveChargeJSON(installmentNumber.toString());
loanTransactionHelper.waiveChargesForLoan(loanId.intValue(), chargeId.intValue(), payload);
integration-tests/src/test/java/org/apache/fineract/integrationtests/common/charges/ChargesHelper.java
+36 -17
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@@ -50,19 +50,19 @@ public final class ChargesHelper {
private static final Integer CHARGE_APPLIES_TO_CLIENT = 3;
private static final Integer CHARGE_APPLIES_TO_SHARES = 4;
private static final Integer CHARGE_DISBURSEMENT_FEE = 1;
private static final Integer CHARGE_SPECIFIED_DUE_DATE = 2;
private static final Integer CHARGE_SAVINGS_ACTIVATION_FEE = 3;
private static final Integer CHARGE_WITHDRAWAL_FEE = 5;
private static final Integer CHARGE_ANNUAL_FEE = 6;
private static final Integer CHARGE_MONTHLY_FEE = 7;
private static final Integer CHARGE_INSTALLMENT_FEE = 8;
private static final Integer CHARGE_OVERDUE_INSTALLMENT_FEE = 9;
private static final Integer CHARGE_OVERDRAFT_FEE = 10;
private static final Integer WEEKLY_FEE = 11;
private static final Integer SHAREACCOUNT_ACTIVATION = 13;
private static final Integer SHARE_PURCHASE = 14;
private static final Integer SHARE_REDEEM = 15;
public static final Integer CHARGE_DISBURSEMENT_FEE = 1;
public static final Integer CHARGE_SPECIFIED_DUE_DATE = 2;
public static final Integer CHARGE_SAVINGS_ACTIVATION_FEE = 3;
public static final Integer CHARGE_WITHDRAWAL_FEE = 5;
public static final Integer CHARGE_ANNUAL_FEE = 6;
public static final Integer CHARGE_MONTHLY_FEE = 7;
public static final Integer CHARGE_INSTALLMENT_FEE = 8;
public static final Integer CHARGE_OVERDUE_INSTALLMENT_FEE = 9;
public static final Integer CHARGE_OVERDRAFT_FEE = 10;
public static final Integer WEEKLY_FEE = 11;
public static final Integer SHAREACCOUNT_ACTIVATION = 13;
public static final Integer SHARE_PURCHASE = 14;
public static final Integer SHARE_REDEEM = 15;
private static final Integer CHARGE_SAVINGS_NO_ACTIVITY_FEE = 16;
@@ -76,10 +76,10 @@ public final class ChargesHelper {
private static final Integer CHARGE_PAYMENT_MODE_REGULAR = 0;
private static final Integer CHARGE_PAYMENT_MODE_ACCOUNT_TRANSFER = 1;
private static final Integer CHARGE_FEE_FREQUENCY_DAYS = 0;
private static final Integer CHARGE_FEE_FREQUENCY_WEEKS = 1;
private static final Integer CHARGE_FEE_FREQUENCY_MONTHS = 2;
private static final Integer CHARGE_FEE_FREQUENCY_YEARS = 3;
public static final Integer CHARGE_FEE_FREQUENCY_DAYS = 0;
public static final Integer CHARGE_FEE_FREQUENCY_WEEKS = 1;
public static final Integer CHARGE_FEE_FREQUENCY_MONTHS = 2;
public static final Integer CHARGE_FEE_FREQUENCY_YEARS = 3;
private static final boolean ACTIVE = true;
private static final boolean PENALTY = true;
@@ -491,6 +491,25 @@ public final class ChargesHelper {
return chargesCreateJson;
}
// TODO: Rewrite to use fineract-client instead!
// Example: org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper.disburseLoan(java.lang.Long,
// org.apache.fineract.client.models.PostLoansLoanIdRequest)
@Deprecated(forRemoval = true)
public static String getLoanOverdueFeeJSONWithCalculationTypePercentageWithFeeInterval(String penaltyPercentageAmount,
Integer feeFrequency, int feeInterval) {
final HashMap<String, Object> map = populateDefaultsForLoan();
map.put("penalty", ChargesHelper.PENALTY);
map.put("amount", penaltyPercentageAmount);
map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
map.put("chargeTimeType", CHARGE_OVERDUE_INSTALLMENT_FEE);
map.put("chargeCalculationType", ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST);
map.put("feeFrequency", feeFrequency);
map.put("feeInterval", feeInterval);
String chargesCreateJson = new Gson().toJson(map);
LOG.info("{}", chargesCreateJson);
return chargesCreateJson;
}
// TODO: Rewrite to use fineract-client instead!
// Example: org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper.disburseLoan(java.lang.Long,
// org.apache.fineract.client.models.PostLoansLoanIdRequest)
integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/penalty/LoanPenaltyBackdatedTransactionTest.java
+410
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@@ -0,0 +1,410 @@
/**
* 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.loan.penalty;
import java.math.BigDecimal;
import java.util.List;
import java.util.concurrent.atomic.AtomicReference;
import org.apache.fineract.client.models.ChargeData;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.client.models.PutGlobalConfigurationsRequest;
import org.apache.fineract.infrastructure.configuration.api.GlobalConfigurationConstants;
import org.apache.fineract.integrationtests.BaseLoanIntegrationTest;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
import org.junit.jupiter.api.AfterEach;
import org.junit.jupiter.api.BeforeEach;
import org.junit.jupiter.api.Test;
public class LoanPenaltyBackdatedTransactionTest extends BaseLoanIntegrationTest {
@BeforeEach
public void before() {
PutGlobalConfigurationsRequest request = new PutGlobalConfigurationsRequest().value(0L).enabled(true);
globalConfigurationHelper.updateGlobalConfiguration(GlobalConfigurationConstants.PENALTY_WAIT_PERIOD, request);
}
@AfterEach
public void after() {
// go back to defaults
PutGlobalConfigurationsRequest request = new PutGlobalConfigurationsRequest().value(2L).enabled(true);
globalConfigurationHelper.updateGlobalConfiguration(GlobalConfigurationConstants.PENALTY_WAIT_PERIOD, request);
}
@Test
public void test_PenaltyRecalculationWorksForBackdatedTx_WhenCumulative_1() {
AtomicReference<Long> aLoanId = new AtomicReference<>();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
int numberOfRepayments = 3;
int repaymentEvery = 4;
// Create charges
double chargeAmount = 1.0;
Long chargeId = createOverduePenaltyPercentageCharge(chargeAmount, ChargesHelper.CHARGE_FEE_FREQUENCY_DAYS, 1);
// Create Loan Product
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
.graceOnArrearsAgeing(0).numberOfRepayments(numberOfRepayments) //
.repaymentEvery(repaymentEvery) //
.installmentAmountInMultiplesOf(null) //
.repaymentFrequencyType(RepaymentFrequencyType.DAYS.longValue()) //
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyInterval(1)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
.allowPartialPeriodInterestCalcualtion(false)//
.disallowExpectedDisbursements(false)//
.allowApprovedDisbursedAmountsOverApplied(false)//
.overAppliedNumber(null)//
.overAppliedCalculationType(null)//
.multiDisburseLoan(null)//
.charges(List.of(new ChargeData().id(chargeId)));//
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
Long loanProductId = loanProductResponse.getResourceId();
// Apply and Approve Loan
double amount = 5000.0;
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
.repaymentEvery(repaymentEvery)//
.loanTermFrequency(numberOfRepayments * repaymentEvery)//
.repaymentFrequencyType(RepaymentFrequencyType.DAYS)//
.loanTermFrequencyType(RepaymentFrequencyType.DAYS)//
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY);
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
aLoanId.getAndSet(approvedLoanResult.getLoanId());
Long loanId = aLoanId.get();
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023") //
);
});
runFromToInclusive("01 January 2023", "09 January 2023", () -> {
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
});
runAt("09 January 2023", () -> {
Long loanId = aLoanId.get();
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// repay 1k
addRepaymentForLoan(loanId, 1000.0, "07 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// reverse accruals
deactivateOverdueLoanCharges(loanId, "07 January 2023");
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0, true), //
transaction(30.33, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 30.33, 0.0, 0.0) //
);
});
}
@Test
public void test_PenaltyRecalculationWorksForBackdatedTx_WhenCumulative_2() {
AtomicReference<Long> aLoanId = new AtomicReference<>();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
int numberOfRepayments = 3;
int repaymentEvery = 4;
// Create charges
double chargeAmount = 1.0;
Long chargeId = createOverduePenaltyPercentageCharge(chargeAmount, ChargesHelper.CHARGE_FEE_FREQUENCY_DAYS, 1);
// Create Loan Product
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
.graceOnArrearsAgeing(0).numberOfRepayments(numberOfRepayments) //
.repaymentEvery(repaymentEvery) //
.installmentAmountInMultiplesOf(null) //
.repaymentFrequencyType(RepaymentFrequencyType.DAYS.longValue()) //
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyInterval(1)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
.allowPartialPeriodInterestCalcualtion(false)//
.disallowExpectedDisbursements(false)//
.allowApprovedDisbursedAmountsOverApplied(false)//
.overAppliedNumber(null)//
.overAppliedCalculationType(null)//
.multiDisburseLoan(null)//
.charges(List.of(new ChargeData().id(chargeId)));//
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
Long loanProductId = loanProductResponse.getResourceId();
// Apply and Approve Loan
double amount = 5000.0;
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
.repaymentEvery(repaymentEvery)//
.loanTermFrequency(numberOfRepayments * repaymentEvery)//
.repaymentFrequencyType(RepaymentFrequencyType.DAYS)//
.loanTermFrequencyType(RepaymentFrequencyType.DAYS)//
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY);
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
aLoanId.getAndSet(approvedLoanResult.getLoanId());
Long loanId = aLoanId.get();
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023") //
);
});
runFromToInclusive("01 January 2023", "09 January 2023", () -> {
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
});
runAt("09 January 2023", () -> {
Long loanId = aLoanId.get();
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// repay 1k
addRepaymentForLoan(loanId, 1000.0, "07 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// reverse accruals
deactivateOverdueLoanCharges(loanId, "05 January 2023");
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0, true), //
transaction(6.83, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 6.83, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4006.83, 993.17, 0.0, 0.0, 6.83, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0, true), //
transaction(20.49, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 20.49, 0.0, 0.0) //
);
});
}
@Test
public void test_PenaltyRecalculationWorksForBackdatedTx_WhenCumulative_3() {
AtomicReference<Long> aLoanId = new AtomicReference<>();
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
int numberOfRepayments = 3;
int repaymentEvery = 4;
// Create charges
double chargeAmount = 1.0;
Long chargeId = createOverduePenaltyPercentageCharge(chargeAmount, ChargesHelper.CHARGE_FEE_FREQUENCY_DAYS, 1);
// Create Loan Product
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
.graceOnArrearsAgeing(0).numberOfRepayments(numberOfRepayments) //
.repaymentEvery(repaymentEvery) //
.installmentAmountInMultiplesOf(null) //
.repaymentFrequencyType(RepaymentFrequencyType.DAYS.longValue()) //
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
.interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
.isInterestRecalculationEnabled(true)//
.recalculationRestFrequencyInterval(1)//
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
.rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
.allowPartialPeriodInterestCalcualtion(false)//
.disallowExpectedDisbursements(false)//
.allowApprovedDisbursedAmountsOverApplied(false)//
.overAppliedNumber(null)//
.overAppliedCalculationType(null)//
.multiDisburseLoan(null)//
.charges(List.of(new ChargeData().id(chargeId)));//
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
Long loanProductId = loanProductResponse.getResourceId();
// Apply and Approve Loan
double amount = 5000.0;
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
.repaymentEvery(repaymentEvery)//
.loanTermFrequency(numberOfRepayments * repaymentEvery)//
.repaymentFrequencyType(RepaymentFrequencyType.DAYS)//
.loanTermFrequencyType(RepaymentFrequencyType.DAYS)//
.interestType(InterestType.DECLINING_BALANCE)//
.interestCalculationPeriodType(InterestCalculationPeriodType.DAILY);
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
aLoanId.getAndSet(approvedLoanResult.getLoanId());
Long loanId = aLoanId.get();
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023") //
);
});
runFromToInclusive("01 January 2023", "09 January 2023", () -> {
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
});
runAt("09 January 2023", () -> {
Long loanId = aLoanId.get();
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// repay 1k
addRepaymentForLoan(loanId, 1000.0, "07 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0) //
);
// reverse accruals
deactivateOverdueLoanCharges(loanId, "07 January 2023");
// run accrual posting
schedulerJobHelper.executeAndAwaitJob("Apply penalty to overdue loans");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0, true), //
transaction(30.33, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 30.33, 0.0, 0.0) //
);
});
runAt("10 January 2023", () -> {
Long loanId = aLoanId.get();
// repay 1k
addRepaymentForLoan(loanId, 1000.0, "10 January 2023");
// verify transactions
verifyTransactions(loanId, //
transaction(5000.0, "Disbursement", "01 January 2023", 5000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(16.67, "Accrual", "05 January 2023", 0.0, 0.0, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(1000.0, "Repayment", "07 January 2023", 4016.67, 983.33, 0.0, 0.0, 16.67, 0.0, 0.0), //
transaction(50.01, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 50.01, 0.0, 0.0, true), //
transaction(30.33, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 0.0, 30.33, 0.0, 0.0), //
transaction(1000.0, "Repayment", "10 January 2023", 3047.0, 969.67, 0.0, 0.0, 30.33, 0.0, 0.0) //
);
});
}
}