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FINERACT-2148: added e2e test covering charge-off after backdated repayment for cumulative loan

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This commit is contained in:
Rustam Zeinalov
2025-03-27 15:05:14 +01:00
committed by Adam Saghy
parent acabf16003
commit 65b74ee87b
4 changed files with 107 additions and 0 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -40,6 +40,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP1_PAYMENT_STRATEGY_DUE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_INTEREST_FLAT, //
LP1_INTEREST_FLAT_OVERDUE_FROM_AMOUNT, //
LP1_INTEREST_FLAT_OVERDUE_FROM_AMOUNT_INTEREST, //
LP1_INTEREST_360_30_DECLINING_BALANCE_PERIOD_DAILY_INT_RECALC, //
LP2_DOWNPAYMENT, //
LP2_DOWNPAYMENT_AUTO, //
LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION, //
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+12
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@@ -1961,6 +1961,18 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
.createLoanProduct(loanProductsRequestInterestDecliningPeriodDailyIntRecalc).execute();
TestContext.INSTANCE.set(TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_PERIOD_DAILY_INT_RECALC,
responseInterestDecliningPeriodDailyIntRecalc);
// LP1 with 12% DECLINING BALANCE interest, interest period: Daily, interest recalculation enabled, 360/30
// (LP1_INTEREST_DECLINING_BALANCE_PERIOD_DAILY_INT_RECALC)
final String name82 = DefaultLoanProduct.LP1_INTEREST_360_30_DECLINING_BALANCE_PERIOD_DAILY_INT_RECALC.getName();
final PostLoanProductsRequest loanProductsRequestInterest36030DecliningPeriodDailyIntRecalc = loanProductsRequestFactory
.defaultLoanProductsRequestLP1InterestDeclining().name(name82).isInterestRecalculationEnabled(false)
.daysInYearType(DaysInYearType.DAYS360.value).daysInMonthType(DaysInMonthType.DAYS30.value)
.interestCalculationPeriodType(InterestCalculationPeriodTime.DAILY.value).allowPartialPeriodInterestCalcualtion(false);
final Response<PostLoanProductsResponse> responseInterest36030DecliningPeriodDailyIntRecalc = loanProductsApi
.createLoanProduct(loanProductsRequestInterest36030DecliningPeriodDailyIntRecalc).execute();
TestContext.INSTANCE.set(TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_360_30__DECLINING_PERIOD_DAILY_INT_RECALC,
responseInterest36030DecliningPeriodDailyIntRecalc);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
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@@ -69,6 +69,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_BALANCE_DAILY_RECALCULATION_COMPOUNDING_NONE_RESCHEDULE_NEXT_REPAYMENTS = "loanProductCreateResponseLP1InterestDecliningBalanceDailyRecalculationCompoundingNoneRescheduleNextRepayments";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_PERIOD_DAILY = "loanProductCreateResponseLP1InterestDecliningPeriodDaily";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_PERIOD_DAILY_INT_RECALC = "loanProductCreateResponseLP1InterestDecliningPeriodDailyIntRecalc";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_360_30__DECLINING_PERIOD_DAILY_INT_RECALC = "loanProductCreateResponseLP1Interest36030DecliningPeriodDailyIntRecalc";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_PERIOD_DAILY_ACCRUAL_ACTIVITY = "loanProductCreateResponseLP1InterestDecliningPeriodDailyAccrualActivity";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP1_INTEREST_DECLINING_BALANCE_DAILY_RECALCULATION_COMPOUNDING_NONE_ACCRUAL_ACTIVITY = "loanProductCreateResponseLP1InterestDecliningBalanceRecalculationCompoundingNoneAccrualActivity";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION = "loanProductCreateResponseLP2DownPaymentAutoAdvancedPaymentAllocation";
fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
+93
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@@ -1311,6 +1311,7 @@ Feature: Charge-off
| 04 January 2023 | Charge-off | 1010.19 | 1000.0 | 10.19 | 0.0 | 0.0 | 0.0 |
| 06 January 2023 | Repayment | 1010.19 | 1000.0 | 10.19 | 0.0 | 0.0 | 0.0 |
@TestRailId:C3545
Scenario: Accrual handling in case of charged-off loan when charge-off behavior is regular, interestRecalculation = true, cumulative loan
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
@@ -7449,3 +7450,95 @@ Feature: Charge-off
| 14 February 2024 | Accrual Adjustment | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | true |
Then LoanAccrualAdjustmentTransactionBusinessEvent is raised on "14 February 2024"
@TestRailId:C3559
Scenario: Reverse-replay Charge-off with accrual adjustment due to backdated payment
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_360_30_DECLINING_BALANCE_PERIOD_DAILY_INT_RECALC | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 54.71 | 0 | 0 | 1054.71 | 0.0 | 0.0 | 0.0 | 1054.71 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# Run COB for each day from Jan 1 to Jan 19 to create accrual entries
When Admin sets the business date to "3 January 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 54.71 | 0 | 0 | 1054.71 | 0.0 | 0.0 | 0.0 | 1054.71 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "20 January 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "15 January 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 January 2024" with 264 EUR transaction amount and system-generated Idempotency key and check external owner
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 264.0 | 264.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 54.71 | 0 | 0 | 1054.71 | 264.0 | 264.0 | 0.0 | 790.71 |
When Admin sets the business date to "20 January 2024"
And Admin does charge-off the loan on "20 January 2024"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 264.0 | 264.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 |
| 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 54.71 | 0 | 0 | 1054.71 | 264.0 | 264.0 | 0.0 | 790.71 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 264.0 | 242.33 | 21.67 | 0.0 | 0.0 | 757.67 | false | false |
| 16 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual Adjustment | 12.58 | 0.0 | 12.58 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Charge-off | 790.71 | 757.67 | 33.04 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan marked as charged-off on "20 January 2024"
Then LoanAccrualAdjustmentTransactionBusinessEvent is raised on "20 January 2024"