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FINERACT-1971: Fix final accrual in case of waived charge

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This commit is contained in:
Adam Saghy
2024-04-16 16:44:23 +02:00
parent 99ba46386b
commit 40a65eda15
2 changed files with 150 additions and 8 deletions
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fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanAccountDomainServiceJpa.java
+23 -8
View File
@@ -936,18 +936,33 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
Money penaltyPortion = Money.zero(currency);
for (LoanRepaymentScheduleInstallment loanRepaymentScheduleInstallment : loan.getRepaymentScheduleInstallments()) {
// TODO: test with interest waiving
interestPortion = interestPortion.add(loanRepaymentScheduleInstallment.getInterestCharged(currency))
.minus(loanRepaymentScheduleInstallment.getInterestAccrued(currency))
.minus(loanRepaymentScheduleInstallment.getInterestWaived(currency));
feePortion = feePortion.add(loanRepaymentScheduleInstallment.getFeeChargesCharged(currency))
.minus(loanRepaymentScheduleInstallment.getFeeAccrued(currency))
.minus(loanRepaymentScheduleInstallment.getFeeChargesWaived(currency))
.minus(loanRepaymentScheduleInstallment.getCreditedFee(currency));
penaltyPortion = penaltyPortion.add(loanRepaymentScheduleInstallment.getPenaltyChargesCharged(currency))
.minus(loanRepaymentScheduleInstallment.getPenaltyAccrued(currency))
.minus(loanRepaymentScheduleInstallment.getPenaltyChargesWaived(currency))
.minus(loanRepaymentScheduleInstallment.getCreditedPenalty(currency));
}
for (LoanCharge loanCharge : loan.getLoanCharges()) {
if (!loanCharge.isActive()) {
continue;
}
BigDecimal accruedAmount = BigDecimal.ZERO;
BigDecimal waivedAmount = BigDecimal.ZERO;
for (LoanChargePaidBy loanChargePaidBy : loanCharge.getLoanChargePaidBySet()) {
if (loanChargePaidBy.getLoanTransaction().isAccrual()) {
accruedAmount = accruedAmount.add(loanChargePaidBy.getLoanTransaction().getAmount());
} else if (loanChargePaidBy.getLoanTransaction().isChargesWaiver()) {
waivedAmount = waivedAmount.add(loanChargePaidBy.getLoanTransaction().getAmount());
}
}
Money needToAccrueAmount = MathUtil.negativeToZero(loanCharge.getAmount(currency).minus(accruedAmount).minus(waivedAmount));
if (loanCharge.isPenaltyCharge()) {
penaltyPortion = penaltyPortion.add(needToAccrueAmount);
} else if (loanCharge.isFeeCharge()) {
feePortion = feePortion.add(needToAccrueAmount);
}
}
Money total = interestPortion.plus(feePortion).plus(penaltyPortion);
if (total.isGreaterThanZero()) {
integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanWaiveChargeTest.java
+127
View File
@@ -32,6 +32,7 @@ import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdChargesResponse;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.integrationtests.common.ClientHelper;
@@ -139,4 +140,130 @@ public class LoanWaiveChargeTest extends BaseLoanIntegrationTest {
assertEquals(expected, obligationsMetOnDate);
});
}
@ParameterizedTest
@MethodSource("processingStrategy")
public void accrualIsCalculatedWhenThereIsWaivedChargeAndLoanIsClosed(boolean advancedPaymentStrategy) {
double amount = 1000.0;
AtomicLong appliedLoanId = new AtomicLong();
String LoanCoBJobName = "Loan COB";
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
PostLoanProductsRequest product;
if (advancedPaymentStrategy) {
product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation();
} else {
product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
}
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
Long loanProductId = loanProductResponse.getResourceId();
// Apply and Approve Loan
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, 1);
if (advancedPaymentStrategy) {
applicationRequest = applicationRequest
.transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY);
}
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(amount, "01 January 2023"));
Long loanId = approvedLoanResult.getLoanId();
appliedLoanId.set(loanId);
// disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(amount), "01 January 2023");
// verify schedule
verifyRepaymentSchedule(loanId, //
installment(0.0, null, "01 January 2023"), //
installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023"));
});
runAt("10 January 2023", () -> {
Long loanId = appliedLoanId.get();
// create charge
double chargeAmount = 10.0;
PostChargesResponse chargeResult = createCharge(chargeAmount);
Long chargeId = chargeResult.getResourceId();
PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "09 January 2023", chargeAmount);
loanChargeResult.getResourceId();
this.schedulerJobHelper.executeAndAwaitJob(LoanCoBJobName);
verifyRepaymentSchedule(loanId, //
installment(0.0, null, "01 January 2023"), //
installment(1000.0, 0.0, 10.0, 1010.0, false, "31 January 2023") //
);
verifyTransactions(loanId, //
transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0));
});
runAt("11 January 2023", () -> {
Long loanId = appliedLoanId.get();
// create charge
double chargeAmount = 9.0;
PostChargesResponse chargeResult = createCharge(chargeAmount);
Long chargeId = chargeResult.getResourceId();
PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "10 January 2023", chargeAmount);
Long loanChargeId = loanChargeResult.getResourceId();
this.schedulerJobHelper.executeAndAwaitJob(LoanCoBJobName);
// waive charge
waiveLoanCharge(loanId, loanChargeId, 1);
verifyTransactions(loanId, //
transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0), //
transaction(9.0, "Accrual", "10 January 2023", 0.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), //
transaction(9.0, "Waive loan charges", "10 January 2023", 1000.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0) //
);
verifyRepaymentSchedule(loanId, //
installment(0.0, null, "01 January 2023"), //
installment(1000.0, 0.0, 19.0, 1010.0, false, "31 January 2023") //
);
});
runAt("12 January 2023", () -> {
Long loanId = appliedLoanId.get();
// create charge
double chargeAmount = 8.0;
PostChargesResponse chargeResult = createCharge(chargeAmount);
Long chargeId = chargeResult.getResourceId();
PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "11 January 2023", chargeAmount);
loanChargeResult.getResourceId();
loanTransactionHelper.makeLoanRepayment(loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("12 January 2023")
.dateFormat("dd MMMM yyyy").locale("en").transactionAmount(1018.0));
verifyTransactions(loanId, //
transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0), //
transaction(9.0, "Accrual", "10 January 2023", 0.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), //
transaction(9.0, "Waive loan charges", "10 January 2023", 1000.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), //
transaction(1018.0, "Repayment", "12 January 2023", 0.0, 1000.0, 0.0, 18.0, 0.0, 0.0, 0.0), //
transaction(8.0, "Accrual", "12 January 2023", 0.0, 0.0, 0.0, 8.0, 0.0, 0.0, 0.0) //
);
verifyRepaymentSchedule(loanId, //
installment(0.0, null, "01 January 2023"), //
installment(1000.0, 0.0, 27.0, 0.0, true, "31 January 2023") //
);
});
}
}