FINERACT-2081: Loan account approval and disburse validation error code changed

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanApplicationValidator.java

@@ -2032,7 +2032,7 @@ public final class LoanApplicationValidator {
                 compareApprovedToProposedPrincipal(loan, approvedLoanAmount);
             }
 
-            if (expectedDisbursementDate != null) {
+            if (approvedOnDate != null && expectedDisbursementDate != null) {
                 if (DateUtils.isBefore(expectedDisbursementDate, approvedOnDate)) {
                     final String errorMessage = "The expected disbursement date " + expectedDisbursementDate
                             + " should be either on or after the approval date: " + approvedOnDate;
@@ -2041,7 +2041,7 @@ public final class LoanApplicationValidator {
                 }
             }
 
-            if (client != null && client.getOfficeJoiningDate() != null) {
+            if (client != null && client.getOfficeJoiningDate() != null && approvedOnDate != null) {
                 final LocalDate clientOfficeJoiningDate = client.getOfficeJoiningDate();
                 if (DateUtils.isBefore(approvedOnDate, clientOfficeJoiningDate)) {
                     throw new InvalidLoanStateTransitionException("approval", "cannot.be.before.client.transfer.date",
@@ -2050,7 +2050,7 @@ public final class LoanApplicationValidator {
                 }
             }
 
-            if (DateUtils.isDateInTheFuture(approvedOnDate)) {
+            if (approvedOnDate != null && DateUtils.isDateInTheFuture(approvedOnDate)) {
                 final String errorMessage = "The date on which a loan is approved cannot be in the future.";
                 throw new InvalidLoanStateTransitionException("approval", "cannot.be.a.future.date", errorMessage, approvedOnDate);
             }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanTransactionValidator.java

@@ -225,7 +225,7 @@ public final class LoanTransactionValidator {
             }
 
             LocalDate approvedOnDate = loan.getApprovedOnDate();
-            if (DateUtils.isBefore(actualDisbursementDate, approvedOnDate)) {
+            if (actualDisbursementDate != null && DateUtils.isBefore(actualDisbursementDate, approvedOnDate)) {
                 final String errorMessage = "The date on which a loan is disbursed cannot be before its approval date: " + approvedOnDate;
                 throw new InvalidLoanStateTransitionException("disbursal", "cannot.be.before.approval.date", errorMessage,
                         actualDisbursementDate, approvedOnDate);

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

@@ -0,0 +1,238 @@
+/**
+ * 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 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.util.Arrays;
+import java.util.List;
+import java.util.concurrent.atomic.AtomicInteger;
+import java.util.stream.Collectors;
+import org.apache.fineract.client.models.AdvancedPaymentData;
+import org.apache.fineract.client.models.PaymentAllocationOrder;
+import org.apache.fineract.client.models.PostClientsResponse;
+import org.apache.fineract.client.models.PostLoanProductsResponse;
+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.client.util.CallFailedRuntimeException;
+import org.apache.fineract.integrationtests.common.BusinessDateHelper;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.LoanRescheduleRequestHelper;
+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.charges.ChargesHelper;
+import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
+import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
+import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
+import org.junit.jupiter.api.Assertions;
+import org.junit.jupiter.api.BeforeAll;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+
+@ExtendWith(LoanTestLifecycleExtension.class)
+public class LoanOriginationValidationTest extends BaseLoanIntegrationTest {
+
+    private static final Logger LOG = LoggerFactory.getLogger(AdvancedPaymentAllocationLoanRepaymentScheduleTest.class);
+    private static final String DATETIME_PATTERN = "dd MMMM yyyy";
+    private static ResponseSpecification responseSpec;
+    private static RequestSpecification requestSpec;
+    private static BusinessDateHelper businessDateHelper;
+    private static LoanTransactionHelper loanTransactionHelper;
+    private static AccountHelper accountHelper;
+    private static Integer commonLoanProductId;
+    private static PostClientsResponse client;
+    private static LoanRescheduleRequestHelper loanRescheduleRequestHelper;
+    private static ChargesHelper chargesHelper;
+
+    @BeforeAll
+    public static void setup() {
+        Utils.initializeRESTAssured();
+        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);
+        businessDateHelper = new BusinessDateHelper();
+        accountHelper = new AccountHelper(requestSpec, responseSpec);
+        ClientHelper clientHelper = new ClientHelper(requestSpec, responseSpec);
+        loanRescheduleRequestHelper = new LoanRescheduleRequestHelper(requestSpec, responseSpec);
+        chargesHelper = new ChargesHelper();
+
+        final Account assetAccount = accountHelper.createAssetAccount();
+        final Account incomeAccount = accountHelper.createIncomeAccount();
+        final Account expenseAccount = accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = accountHelper.createLiabilityAccount();
+
+        commonLoanProductId = createLoanProduct("500", "15", "4", true, "25", true, LoanScheduleType.PROGRESSIVE,
+                LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount);
+        client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+    }
+
+    // uc1: Negative Test: Loan approval transaction without approvedOnDate parameter
+    // 1. Create a Loan product
+    // 2. Submit a Loan application
+    // 3. Try to Approve a Loan account without approvedOnDate parameter to catch The request was invalid error due
+    // missed required attribute
+    @Test
+    public void uc1() {
+        String operationDate = "15 August 2024";
+        runAt(operationDate, () -> {
+
+            LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+            PostLoanProductsResponse loanProductResponse = loanProductHelper
+                    .createLoanProduct(createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
+                            .loanScheduleType(LoanScheduleType.PROGRESSIVE.toString()));
+            PostLoansRequest applicationRequest = applyLoanRequest(client.getClientId(), loanProductResponse.getResourceId(), operationDate,
+                    100.0, 5);
+
+            applicationRequest = applicationRequest.numberOfRepayments(6)//
+                    .loanTermFrequency(6)//
+                    .loanTermFrequencyType(2)//
+                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)//
+                    .repaymentEvery(1)//
+                    .repaymentFrequencyType(2)//
+                    .maxOutstandingLoanBalance(BigDecimal.valueOf(10000.0))//
+            ;//
+
+            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class,
+                    () -> loanTransactionHelper.approveLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest()
+                            .approvedLoanAmount(BigDecimal.valueOf(100)).dateFormat(DATETIME_PATTERN).approvedOnDate(null).locale("en")));
+
+            Assertions.assertTrue(callFailedRuntimeException.getMessage().contains("The parameter `approvedOnDate` is mandatory."));
+        });
+    }
+
+    // uc2: Negative Test: Loan disbursement transaction without actualDisbursementDate parameter
+    // 1. Create a Loan product
+    // 2. Submit and Approve Loan application
+    // 3. Try to Disburse a Loan account without actualDisbursementDate parameter to catch The request was invalid error
+    // due missed required attribute
+    @Test
+    public void uc2() {
+        String operationDate = "15 August 2024";
+        runAt(operationDate, () -> {
+
+            LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+            PostLoanProductsResponse loanProductResponse = loanProductHelper
+                    .createLoanProduct(createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
+                            .loanScheduleType(LoanScheduleType.PROGRESSIVE.toString()));
+            PostLoansRequest applicationRequest = applyLoanRequest(client.getClientId(), loanProductResponse.getResourceId(), operationDate,
+                    100.0, 5);
+
+            applicationRequest = applicationRequest.numberOfRepayments(6)//
+                    .loanTermFrequency(6)//
+                    .loanTermFrequencyType(2)//
+                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)//
+                    .repaymentEvery(1)//
+                    .repaymentFrequencyType(2)//
+                    .maxOutstandingLoanBalance(BigDecimal.valueOf(10000.0))//
+            ;//
+
+            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            loanTransactionHelper.approveLoan(loanResponse.getLoanId(), new PostLoansLoanIdRequest()
+                    .approvedLoanAmount(BigDecimal.valueOf(100)).dateFormat(DATETIME_PATTERN).approvedOnDate(operationDate).locale("en"));
+
+            CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class,
+                    () -> loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
+                            new PostLoansLoanIdRequest().actualDisbursementDate(null).dateFormat(DATETIME_PATTERN)
+                                    .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")));
+
+            Assertions.assertTrue(callFailedRuntimeException.getMessage().contains("The parameter `actualDisbursementDate` is mandatory."));
+        });
+    }
+
+    private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments,
+            boolean downPaymentEnabled, String downPaymentPercentage, boolean autoPayForDownPayment, LoanScheduleType loanScheduleType,
+            LoanScheduleProcessingType loanScheduleProcessingType, final Account... accounts) {
+        AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation();
+        AdvancedPaymentData goodwillCreditAllocation = createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT");
+        AdvancedPaymentData merchantIssuedRefundAllocation = createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION");
+        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(downPaymentEnabled, downPaymentPercentage, autoPayForDownPayment).withinterestRatePerPeriod("0")
+                .withInterestRateFrequencyTypeAsMonths()
+                .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
+                .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
+                .addAdvancedPaymentAllocation(defaultAllocation, goodwillCreditAllocation, merchantIssuedRefundAllocation,
+                        payoutRefundAllocation)
+                .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withInterestTypeAsDecliningBalance().withMultiDisburse()
+                .withDisallowExpectedDisbursements(true).withLoanScheduleType(loanScheduleType)
+                .withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30").withDaysInYear("365")
+                .withMoratorium("0", "0").build(null);
+        return loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    private static 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 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 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;
+        }).collect(Collectors.toList());
+    }
+
+}