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FINERACT-1992: Backdated delinquency pause

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This commit is contained in:
Ruchi Dhamankar
2023-12-13 10:36:36 +01:00
committed by Adam Saghy
parent da2cdd8bfd
commit 6526e101a1
4 changed files with 195 additions and 12 deletions
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integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java
+137 -3
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@@ -22,6 +22,7 @@ import static java.lang.Boolean.TRUE;
import static org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType.BUSINESS_DATE;
import static org.apache.fineract.portfolio.delinquency.domain.DelinquencyAction.PAUSE;
import static org.apache.fineract.portfolio.delinquency.domain.DelinquencyAction.RESUME;
import static org.assertj.core.api.Assertions.assertThat;
import static org.junit.jupiter.api.Assertions.assertEquals;
import static org.junit.jupiter.api.Assertions.assertNotNull;
import static org.junit.jupiter.api.Assertions.assertThrows;
@@ -32,11 +33,14 @@ import java.time.LocalDate;
import java.util.Arrays;
import java.util.List;
import java.util.UUID;
import lombok.AllArgsConstructor;
import lombok.extern.slf4j.Slf4j;
import org.apache.commons.lang3.tuple.Pair;
import org.apache.fineract.client.models.BusinessDateRequest;
import org.apache.fineract.client.models.GetDelinquencyActionsResponse;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdDelinquencyPausePeriod;
import org.apache.fineract.client.models.GetLoansLoanIdLoanInstallmentLevelDelinquency;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
@@ -44,6 +48,7 @@ import org.apache.fineract.client.models.PostLoansDelinquencyActionResponse;
import org.apache.fineract.client.util.CallFailedRuntimeException;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
import org.junit.jupiter.api.Assertions;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;
@@ -201,7 +206,7 @@ public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {
}
@Test
public void testValidationErrorIsThrownWhenCreatingActionInThePast() {
public void testValidationErrorIsThrownWhenCreatingPauseActionWithBackdatedStartDateBeforeDisbursement() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
@@ -215,10 +220,80 @@ public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");
// Create Delinquency Pause for the Loan in the past
// Create Delinquency Pause for the Loan before disbursement date
CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
() -> loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "05 December 2022", "15 January 2023"));
assertTrue(exception.getMessage().contains("Start date of pause period must be in the future"));
assertTrue(exception.getMessage().contains("Start date of pause period must be after first disbursal date"));
});
}
@Test
public void testCreateAndVerifyBackdatedPauseDelinquencyAction() {
runAt("30 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProductWith25PctDownPayment(true, true);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, "25 December 2022", 1500.0, 3,
req -> req.submittedOnDate("25 December 2022"));
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1000.00), "25 December 2022");
// Create Delinquency Pause for the Loan in the past
PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
"28 January 2023", "15 February 2023");
List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
Assertions.assertNotNull(loanDelinquencyActions);
Assertions.assertEquals(1, loanDelinquencyActions.size());
Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
Assertions.assertEquals(LocalDate.parse("28 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
Assertions.assertEquals(LocalDate.parse("15 February 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
// Validate Active Delinquency Pause Period on Loan
validateLoanDelinquencyPausePeriods(loanId, pausePeriods("28 January 2023", "15 February 2023", true));
});
}
@Test
public void testVerifyLoanDelinquencyRecalculationForBackdatedPauseDelinquencyAction() {
runAt("30 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProductWith25PctDownPaymentAndDelinquencyBucket(true, true, true);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, "25 December 2022", 1500.0, 3,
req -> req.submittedOnDate("25 December 2022"));
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1000.00), "25 December 2022");
// Loan delinquency data before backdated pause
verifyLoanDelinquencyData(loanId, 6, new InstallmentDelinquencyData(4, 10, BigDecimal.valueOf(250.0)));
// Create Delinquency Pause for the Loan in the past
PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
"27 January 2023", "15 February 2023");
List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
Assertions.assertNotNull(loanDelinquencyActions);
Assertions.assertEquals(1, loanDelinquencyActions.size());
Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
Assertions.assertEquals(LocalDate.parse("27 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
Assertions.assertEquals(LocalDate.parse("15 February 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
// Loan delinquency data calculation after backdated pause
verifyLoanDelinquencyData(loanId, 3, new InstallmentDelinquencyData(1, 3, BigDecimal.valueOf(250.0)));
// Validate Active Delinquency Pause Period on Loan
validateLoanDelinquencyPausePeriods(loanId, pausePeriods("27 January 2023", "15 February 2023", true));
});
}
@@ -265,6 +340,24 @@ public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {
return pausePeriod;
}
private void verifyLoanDelinquencyData(Long loanId, Integer loanLevelDelinquentDays,
InstallmentDelinquencyData... expectedInstallmentLevelInstallmentDelinquencyData) {
GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
Assertions.assertNotNull(loan.getDelinquent());
List<GetLoansLoanIdLoanInstallmentLevelDelinquency> installmentLevelDelinquency = loan.getDelinquent()
.getInstallmentLevelDelinquency();
assertThat(loan.getDelinquent().getDelinquentDays()).isEqualTo(loanLevelDelinquentDays);
assertThat(installmentLevelDelinquency.get(0).getMaximumAgeDays())
.isEqualTo(expectedInstallmentLevelInstallmentDelinquencyData[0].maxAgeDays);
assertThat(installmentLevelDelinquency.get(0).getMinimumAgeDays())
.isEqualTo(expectedInstallmentLevelInstallmentDelinquencyData[0].minAgeDays);
assertThat(installmentLevelDelinquency.get(0).getDelinquentAmount())
.isEqualByComparingTo(expectedInstallmentLevelInstallmentDelinquencyData[0].delinquentAmount);
}
private Long createLoanProductWith25PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) {
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
product.setMultiDisburseLoan(multiDisburseEnabled);
@@ -294,4 +387,45 @@ public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {
return loanProductId;
}
private Long createLoanProductWith25PctDownPaymentAndDelinquencyBucket(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled,
boolean installmentLevelDelinquencyEnabled) {
// Create DelinquencyBuckets
Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(//
Pair.of(1, 3), //
Pair.of(4, 10), //
Pair.of(11, 60), //
Pair.of(61, null)//
));
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
product.setDelinquencyBucketId(delinquencyBucketId.longValue());
product.setMultiDisburseLoan(multiDisburseEnabled);
product.setEnableDownPayment(true);
product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE);
product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled);
product.setEnableInstallmentLevelDelinquency(installmentLevelDelinquencyEnabled);
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper
.retrieveLoanProductById(loanProductResponse.getResourceId());
Long loanProductId = loanProductResponse.getResourceId();
assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment());
assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment());
assertEquals(0, getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE));
assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment());
assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan());
return loanProductId;
}
@AllArgsConstructor
public static class InstallmentDelinquencyData {
Integer minAgeDays;
Integer maxAgeDays;
BigDecimal delinquentAmount;
}
}