CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 1 Packages Projects Releases Wiki Activity

FINERACT-1981: Fix principal due during disbursement on overpaid loan

Browse Source
This commit is contained in:
Adam Saghy
2024-02-20 09:47:12 +01:00
parent 03a83b46c8
commit 6910051674
5 changed files with 94 additions and 7 deletions
Download Patch File Download Diff File Expand all files Collapse all files
integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
+78
View File
@@ -3205,6 +3205,84 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
});
}
// UC123: Advanced payment allocation, 2nd disbursement on overpaid loan
// ADVANCED_PAYMENT_ALLOCATION_STRATEGY
// 1. Create a Loan product with Adv. Pment. Alloc.
// 2. Submit Loan and approve
// 3. Disburse only 100 from 1000
// 4. Overpay the loan (150)
// 5. Disburse again 25
@Test
public void uc123() {
runAt("22 November 2023", () -> {
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
.numberOfRepayments(3).repaymentEvery(15).enableDownPayment(true)
.disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25)).enableAutoRepaymentForDownPayment(false);
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "22 November 2023",
1000.0, 4);
applicationRequest = applicationRequest.numberOfRepayments(3).loanTermFrequency(45)
.transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY).repaymentEvery(15);
PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN)
.approvedOnDate("22 November 2023").locale("en"));
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN)
.transactionAmount(BigDecimal.valueOf(100.0)).locale("en"));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 100.0, 0.0, 100.0, 0.0, null);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 0.0, 25.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 0.0, 25.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 0.0, 25.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 0.0, 25.0, 0.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest()
.dateFormat(DATETIME_PATTERN).transactionDate("22 November 2023").locale("en").transactionAmount(150.0));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 50.0);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 25.0, 0.0, 25.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 25.0, 0.0, 25.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 25.0, 0.0, 25.0, 0.0);
assertTrue(loanDetails.getStatus().getOverpaid());
loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN)
.transactionAmount(BigDecimal.valueOf(28.0)).locale("en"));
loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
validateLoanSummaryBalances(loanDetails, 0.0, 128.0, 0.0, 128.0, 22.0);
validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 11, 22), 7.0, 7.0, 0.0, 0.0, 0.0);
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 7), 32.0, 32.0, 0.0, 32.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 12, 22), 32.0, 32.0, 0.0, 32.0, 0.0);
validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2024, 1, 6), 32.0, 32.0, 0.0, 32.0, 0.0);
assertTrue(loanDetails.getStatus().getActive());
verifyTransactions(loanResponse.getLoanId(), //
transaction(100, "Disbursement", "22 November 2023", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(150, "Repayment", "22 November 2023", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0), //
transaction(28, "Disbursement", "22 November 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 28.0) //
);
// verify journal entries
verifyJournalEntries(loanResponse.getLoanId(), journalEntry(100.0, loansReceivableAccount, "DEBIT"), //
journalEntry(100.0, suspenseClearingAccount, "CREDIT"), //
journalEntry(100.0, loansReceivableAccount, "CREDIT"), //
journalEntry(50.0, overpaymentAccount, "CREDIT"), //
journalEntry(150.0, suspenseClearingAccount, "DEBIT"), //
journalEntry(28.0, overpaymentAccount, "DEBIT"), //
journalEntry(28.0, suspenseClearingAccount, "CREDIT") //
);
});
}
private static void validateLoanSummaryBalances(GetLoansLoanIdResponse loanDetails, Double totalOutstanding, Double totalRepayment,
Double principalOutstanding, Double principalPaid, Double totalOverpaid) {
assertEquals(totalOutstanding, loanDetails.getSummary().getTotalOutstanding());