FINERACT-2107: Allow interest rate change on fully paid installment for Progressive loans

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/LoanRescheduleRequestDataValidator.java

@@ -19,7 +19,9 @@
 package org.apache.fineract.portfolio.loanaccount.rescheduleloan.data;
 
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
 import org.apache.fineract.portfolio.loanaccount.rescheduleloan.domain.LoanRescheduleRequest;
 
 public interface LoanRescheduleRequestDataValidator {
@@ -29,4 +31,6 @@ public interface LoanRescheduleRequestDataValidator {
     void validateForApproveAction(JsonCommand jsonCommand, LoanRescheduleRequest loanRescheduleRequest);
 
     void validateForRejectAction(JsonCommand jsonCommand, LoanRescheduleRequest loanRescheduleRequest);
+
+    void validateReschedulingInstallment(DataValidatorBuilder dataValidatorBuilder, LoanRepaymentScheduleInstallment installment);
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/LoanRescheduleRequestDataValidatorImpl.java

@@ -199,8 +199,8 @@ public class LoanRescheduleRequestDataValidatorImpl implements LoanRescheduleReq
         jsonCommand.checkForUnsupportedParameters(typeToken, jsonString, createRequestDataParameters);
     }
 
-    public static void validateReschedulingInstallment(DataValidatorBuilder dataValidatorBuilder,
-            LoanRepaymentScheduleInstallment installment) {
+    @Override
+    public void validateReschedulingInstallment(DataValidatorBuilder dataValidatorBuilder, LoanRepaymentScheduleInstallment installment) {
         if (installment == null) {
             dataValidatorBuilder.reset().parameter(RescheduleLoansApiConstants.rescheduleFromDateParamName)
                     .failWithCode("repayment.schedule.installment.does.not.exist", "Repayment schedule installment does not exist");

fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/ProgressiveLoanRescheduleRequestDataValidator.java

@@ -29,7 +29,6 @@ import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.Loan
 import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleReasonComment;
 import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleReasonId;
 import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateRescheduleRequestStatus;
-import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateReschedulingInstallment;
 import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateSubmittedOnDate;
 import static org.apache.fineract.portfolio.loanaccount.rescheduleloan.data.LoanRescheduleRequestDataValidatorImpl.validateSupportedParameters;
 
@@ -120,6 +119,14 @@ public class ProgressiveLoanRescheduleRequestDataValidator implements LoanResche
         }
     }
 
+    @Override
+    public void validateReschedulingInstallment(DataValidatorBuilder dataValidatorBuilder, LoanRepaymentScheduleInstallment installment) {
+        if (installment == null) {
+            dataValidatorBuilder.reset().parameter(RescheduleLoansApiConstants.rescheduleFromDateParamName)
+                    .failWithCode("repayment.schedule.installment.does.not.exist", "Repayment schedule installment does not exist");
+        }
+    }
+
     private void validateUnsupportedParams(JsonElement jsonElement, DataValidatorBuilder dataValidatorBuilder) {
         final var unsupportedFields = List.of(RescheduleLoansApiConstants.graceOnPrincipalParamName, //
                 RescheduleLoansApiConstants.graceOnInterestParamName, //

fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/rescheduleloan/data/ProgressiveLoanRescheduleRequestDataValidatorTest.java

@@ -0,0 +1,83 @@
+/**
+ * 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.portfolio.loanaccount.rescheduleloan.data;
+
+import static org.junit.jupiter.api.Assertions.assertDoesNotThrow;
+import static org.mockito.ArgumentMatchers.anyString;
+import static org.mockito.Mockito.never;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
+import org.apache.fineract.portfolio.loanaccount.rescheduleloan.RescheduleLoansApiConstants;
+import org.apache.fineract.portfolio.loanaccount.rescheduleloan.domain.LoanRescheduleRequestRepository;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+import org.mockito.junit.jupiter.MockitoSettings;
+import org.mockito.quality.Strictness;
+
+@ExtendWith(MockitoExtension.class)
+@MockitoSettings(strictness = Strictness.LENIENT)
+class ProgressiveLoanRescheduleRequestDataValidatorTest {
+
+    @Mock
+    private DataValidatorBuilder dataValidatorBuilder;
+
+    @Mock
+    private LoanRepaymentScheduleInstallment installment;
+
+    @Mock
+    private FromJsonHelper fromJsonHelper;
+
+    @Mock
+    private LoanRescheduleRequestRepository loanRescheduleRequestRepository;
+
+    private ProgressiveLoanRescheduleRequestDataValidator progressiveLoanRescheduleRequestDataValidator;
+
+    @BeforeEach
+    void setUp() {
+        progressiveLoanRescheduleRequestDataValidator = new ProgressiveLoanRescheduleRequestDataValidator(fromJsonHelper,
+                loanRescheduleRequestRepository);
+        when(dataValidatorBuilder.reset()).thenReturn(dataValidatorBuilder);
+        when(dataValidatorBuilder.parameter(anyString())).thenReturn(dataValidatorBuilder);
+    }
+
+    @Test
+    void shouldFailWhenInstallmentIsNull() {
+        progressiveLoanRescheduleRequestDataValidator.validateReschedulingInstallment(dataValidatorBuilder, null);
+
+        verify(dataValidatorBuilder).reset();
+        verify(dataValidatorBuilder).parameter(RescheduleLoansApiConstants.rescheduleFromDateParamName);
+        verify(dataValidatorBuilder).failWithCode("repayment.schedule.installment.does.not.exist",
+                "Repayment schedule installment does not exist");
+    }
+
+    @Test
+    void shouldNotFailWhenInstallmentIsNotNull() {
+        assertDoesNotThrow(
+                () -> progressiveLoanRescheduleRequestDataValidator.validateReschedulingInstallment(dataValidatorBuilder, installment));
+
+        verify(dataValidatorBuilder, never()).failWithCode(anyString(), anyString());
+    }
+}

integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java

@@ -23,6 +23,7 @@ import static org.apache.fineract.infrastructure.businessdate.domain.BusinessDat
 import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION_STRATEGY;
 import static org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder.DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY;
 import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertNotEquals;
 import static org.junit.jupiter.api.Assertions.assertNotNull;
 import static org.junit.jupiter.api.Assertions.assertNull;
 import static org.junit.jupiter.api.Assertions.assertThrows;
@@ -714,6 +715,35 @@ public abstract class BaseLoanIntegrationTest {
         return chargeId.longValue();
     }
 
+    protected void verifyRepaymentSchedule(GetLoansLoanIdResponse savedLoanResponse, GetLoansLoanIdResponse actualLoanResponse,
+            int totalPeriods, int identicalPeriods) {
+        List<GetLoansLoanIdRepaymentPeriod> savedPeriods = savedLoanResponse.getRepaymentSchedule().getPeriods();
+        List<GetLoansLoanIdRepaymentPeriod> actualPeriods = actualLoanResponse.getRepaymentSchedule().getPeriods();
+
+        assertEquals(totalPeriods, savedPeriods.size(), "Unexpected number of periods in savedPeriods list.");
+        assertEquals(totalPeriods, actualPeriods.size(), "Unexpected number of periods in actualPeriods list.");
+
+        verifyPeriodsEquality(savedPeriods, actualPeriods, 0, identicalPeriods, true);
+
+        verifyPeriodsEquality(savedPeriods, actualPeriods, identicalPeriods, totalPeriods, false);
+    }
+
+    private void verifyPeriodsEquality(List<GetLoansLoanIdRepaymentPeriod> savedPeriods, List<GetLoansLoanIdRepaymentPeriod> actualPeriods,
+            int startIndex, int endIndex, boolean shouldEqual) {
+        for (int i = startIndex; i < endIndex; i++) {
+            Double savedTotalDue = savedPeriods.get(i).getTotalDueForPeriod();
+            Double actualTotalDue = actualPeriods.get(i).getTotalDueForPeriod();
+
+            if (shouldEqual) {
+                assertEquals(savedTotalDue, actualTotalDue, String.format(
+                        "Period %d should be identical in both responses. Expected: %s, Actual: %s", i + 1, savedTotalDue, actualTotalDue));
+            } else {
+                assertNotEquals(savedTotalDue, actualTotalDue, String
+                        .format("Period %d should differ between responses. Saved: %s, Actual: %s", i + 1, savedTotalDue, actualTotalDue));
+            }
+        }
+    }
+
     protected void verifyRepaymentSchedule(Long loanId, Installment... installments) {
         GetLoansLoanIdResponse loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
         DateTimeFormatter dateTimeFormatter = DateTimeFormatter.ofPattern(DATETIME_PATTERN);

integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRescheduleRequestTest.java

@@ -34,6 +34,7 @@ import java.util.HashMap;
 import java.util.List;
 import java.util.concurrent.atomic.AtomicReference;
 import org.apache.fineract.client.models.AdvancedPaymentData;
+import org.apache.fineract.client.models.GetLoansLoanIdResponse;
 import org.apache.fineract.client.models.PostClientsResponse;
 import org.apache.fineract.client.models.PostCreateRescheduleLoansRequest;
 import org.apache.fineract.client.models.PostCreateRescheduleLoansResponse;
@@ -369,6 +370,89 @@ public class LoanRescheduleRequestTest extends BaseLoanIntegrationTest {
         this.createLoanRescheduleChangeEMIRequest();
     }
 
+    @Test
+    public void givenProgressiveLoanWithPaidInstallmentWhenInterestRateChangedThenDueAmountUpdated() {
+        PostClientsResponse client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+        Integer commonLoanProductId = createProgressiveLoanProduct();
+
+        AtomicReference<PostLoansResponse> loanResponse = new AtomicReference<>();
+        runAt("2 February 2024", () -> {
+            loanResponse
+                    .set(applyForLoanWithRecalculation(client.getClientId(), commonLoanProductId, "01 January 2024", "01 January 2024"));
+
+            approveAndDisburseLoan(loanResponse.get().getLoanId(), "01 January 2024", BigDecimal.valueOf(100));
+            makeRepayments(loanResponse.get().getLoanId().intValue());
+
+            GetLoansLoanIdResponse savedLoanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec,
+                    loanResponse.get().getLoanId().intValue());
+
+            PostCreateRescheduleLoansResponse rescheduleLoansResponse = rescheduleLoanWithNewInterestRate(loanResponse.get().getLoanId(),
+                    "2 February 2024", BigDecimal.ONE, "3 February 2024");
+
+            approveLoanReschedule(rescheduleLoansResponse.getResourceId(), "2 February 2024");
+
+            GetLoansLoanIdResponse actualLoanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec,
+                    loanResponse.get().getLoanId().intValue());
+
+            verifyRepaymentSchedule(savedLoanResponse, actualLoanResponse, 7, 3);
+        });
+    }
+
+    private Integer createProgressiveLoanProduct() {
+        AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation("NEXT_INSTALLMENT");
+        final String loanProductJSON = new LoanProductTestBuilder().withNumberOfRepayments(numberOfRepayments)
+                .withinterestRatePerPeriod("7").withMaxTrancheCount("10").withMinPrincipal("1").withPrincipal("100")
+                .withInterestRateFrequencyTypeAsYear()
+                .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
+                .withInterestTypeAsDecliningBalance().addAdvancedPaymentAllocation(defaultAllocation)
+                .withInterestRecalculationDetails("0", "4", "1").withRecalculationRestFrequencyType("2")
+                .withInterestCalculationPeriodTypeAsDays().withMultiDisburse().withDisallowExpectedDisbursements()
+                .withLoanScheduleType(LoanScheduleType.PROGRESSIVE).withLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL)
+                .build(null);
+        return loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    private PostLoansResponse applyForLoanWithRecalculation(Long clientId, Integer loanProductId, String expectedDisbursementDate,
+            String submittedOnDate) {
+        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(BigDecimal.valueOf(7))
+                .interestCalculationPeriodType(0).interestType(0).repaymentFrequencyType(2).repaymentEvery(1).numberOfRepayments(6)
+                .loanTermFrequency(6).loanTermFrequencyType(2).principal(BigDecimal.valueOf(100)).loanType("individual"));
+    }
+
+    private void approveAndDisburseLoan(Long loanId, String date, BigDecimal amount) {
+        loanTransactionHelper.approveLoan(loanId, createLoanApprovalRequest(date, amount));
+        loanTransactionHelper.disburseLoan(loanId, createDisbursementRequest(date, amount));
+    }
+
+    private PostLoansLoanIdRequest createLoanApprovalRequest(String date, BigDecimal amount) {
+        return new PostLoansLoanIdRequest().approvedLoanAmount(amount).dateFormat(DATETIME_PATTERN).approvedOnDate(date).locale("en");
+    }
+
+    private PostLoansLoanIdRequest createDisbursementRequest(String date, BigDecimal amount) {
+        return new PostLoansLoanIdRequest().actualDisbursementDate(date).dateFormat(DATETIME_PATTERN).transactionAmount(amount)
+                .locale("en");
+    }
+
+    private void makeRepayments(int loanId) {
+        loanTransactionHelper.makeRepayment("01 February 2024", 17.01f, loanId);
+        loanTransactionHelper.makeRepayment("02 February 2024", 17.01f, loanId);
+    }
+
+    private PostCreateRescheduleLoansResponse rescheduleLoanWithNewInterestRate(Long loanId, String submittedOnDate,
+            BigDecimal newInterestRate, String rescheduleFromDate) {
+        return loanRescheduleRequestHelper.createLoanRescheduleRequest(new PostCreateRescheduleLoansRequest().loanId(loanId)
+                .dateFormat(DATETIME_PATTERN).locale("en").submittedOnDate(submittedOnDate).newInterestRate(newInterestRate)
+                .rescheduleReasonId(1L).rescheduleFromDate(rescheduleFromDate));
+    }
+
+    private void approveLoanReschedule(Long rescheduleId, String approvedOnDate) {
+        loanRescheduleRequestHelper.approveLoanRescheduleRequest(rescheduleId,
+                new PostUpdateRescheduleLoansRequest().approvedOnDate(approvedOnDate).locale("en").dateFormat(DATETIME_PATTERN));
+    }
+
     private PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final BigDecimal principal,
             final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final BigDecimal interestRate,
             final String expectedDisbursementDate, final String submittedOnDate, String transactionProcessorCode,

integration-tests/src/test/java/org/apache/fineract/integrationtests/common/loans/LoanProductTestBuilder.java

@@ -497,6 +497,11 @@ public class LoanProductTestBuilder {
         return this;
     }
 
+    public LoanProductTestBuilder withDisallowExpectedDisbursements() {
+        this.disallowExpectedDisbursements = true;
+        return this;
+    }
+
     public LoanProductTestBuilder withFullAccountingConfig(String accountingRule, FullAccountingConfig fullAccountingConfig) {
         this.accountingRule = accountingRule;
         this.fullAccountingConfig = fullAccountingConfig;
@@ -640,6 +645,11 @@ public class LoanProductTestBuilder {
         return this;
     }
 
+    public LoanProductTestBuilder withRecalculationRestFrequencyType(final String recalculationRestFrequencyType) {
+        this.recalculationRestFrequencyType = recalculationRestFrequencyType;
+        return this;
+    }
+
     public LoanProductTestBuilder withInterestRecalculationCompoundingFrequencyDetails(final String recalculationCompoundingFrequencyType,
             final String recalculationCompoundingFrequencyInterval, final Integer recalculationCompoundingFrequencyOnDayType,
             final Integer recalculationCompoundingFrequencyDayOfWeekType) {