FINERACT-2234: add extra caches to frequent database queries during the interest recalculation

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/domain/ApplicationCurrencyRepository.java

@@ -20,6 +20,9 @@ package org.apache.fineract.organisation.monetary.domain;
 
 import java.util.List;
 import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.springframework.cache.annotation.CacheConfig;
+import org.springframework.cache.annotation.CacheEvict;
+import org.springframework.cache.annotation.Cacheable;
 import org.springframework.data.domain.Sort;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
@@ -28,16 +31,61 @@ import org.springframework.data.repository.query.Param;
 import org.springframework.stereotype.Repository;
 
 @Repository
+@CacheConfig(cacheNames = "currencies")
 public interface ApplicationCurrencyRepository
         extends JpaRepository<ApplicationCurrency, Long>, JpaSpecificationExecutor<ApplicationCurrency> {
 
     String FIND_CURRENCY_DETAILS = "SELECT new org.apache.fineract.organisation.monetary.data.CurrencyData(ac.code, ac.name, ac.decimalPlaces, ac.inMultiplesOf, ac.displaySymbol, ac.nameCode) FROM ApplicationCurrency ac ";
 
+    @Cacheable(key = "'entity_' + #currencyCode")
     ApplicationCurrency findOneByCode(String currencyCode);
 
+    @Cacheable(key = "'data_' + #currencyCode")
     @Query(FIND_CURRENCY_DETAILS + " WHERE ac.code = :code")
     CurrencyData findCurrencyDataByCode(@Param("code") String currencyCode);
 
+    @Cacheable
     @Query(FIND_CURRENCY_DETAILS)
     List<CurrencyData> findAllSorted(Sort sort);
+
+    /**
+     * Override save method with cache eviction
+     */
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends ApplicationCurrency> S save(S entity);
+
+    /**
+     * Override saveAll method with cache eviction
+     */
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends ApplicationCurrency> List<S> saveAll(Iterable<S> entities);
+
+    /**
+     * Override delete methods with cache eviction
+     */
+    @Override
+    @CacheEvict(allEntries = true)
+    void delete(ApplicationCurrency entity);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAll();
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAll(Iterable<? extends ApplicationCurrency> entities);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteById(Long id);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAllById(Iterable<? extends Long> ids);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends ApplicationCurrency> S saveAndFlush(S entity);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/calendar/domain/CalendarInstanceRepository.java

@@ -25,15 +25,23 @@ import org.apache.fineract.portfolio.group.domain.Group;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanStatus;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
+import org.springframework.cache.annotation.CacheConfig;
+import org.springframework.cache.annotation.CacheEvict;
+import org.springframework.cache.annotation.Cacheable;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
 import org.springframework.data.jpa.repository.Query;
 import org.springframework.data.repository.query.Param;
+import org.springframework.stereotype.Repository;
 
+@Repository
+@CacheConfig(cacheNames = "calendarInstances")
 public interface CalendarInstanceRepository extends JpaRepository<CalendarInstance, Long>, JpaSpecificationExecutor<CalendarInstance> {
 
+    @Cacheable(key = "'calId_' + #calendarId + '_entityId_' + #entityId + '_entityTypeId_' + #entityTypeId")
     CalendarInstance findByCalendarIdAndEntityIdAndEntityTypeId(Long calendarId, Long entityId, Integer entityTypeId);
 
+    @Cacheable(key = "'entityId_' + #entityId + '_entityTypeId_' + #entityTypeId")
     Collection<CalendarInstance> findByEntityIdAndEntityTypeId(Long entityId, Integer entityTypeId);
 
     /**
@@ -45,14 +53,18 @@ public interface CalendarInstanceRepository extends JpaRepository<CalendarInstan
      *            {@link CalendarType}
      * @return
      */
+    @Cacheable(key = "'entityId_' + #entityId + '_entityTypeId_' + #entityTypeId + '_calendarTypeId_' + #calendarTypeId")
     CalendarInstance findByEntityIdAndEntityTypeIdAndCalendarTypeId(Long entityId, Integer entityTypeId, Integer calendarTypeId);
 
+    @Cacheable(key = "'findCalendarInstanceByEntityId_entityId_' + #entityId + '_entityTypeId_' + #entityTypeId")
     @Query("select ci from CalendarInstance ci where ci.entityId = :entityId and ci.entityTypeId = :entityTypeId")
-    CalendarInstance findCalendarInstaneByEntityId(@Param("entityId") Long entityId, @Param("entityTypeId") Integer entityTypeId);
+    CalendarInstance findCalendarInstanceByEntityId(@Param("entityId") Long entityId, @Param("entityTypeId") Integer entityTypeId);
 
+    @Cacheable(key = "'calendarId_' + #calendarId + '_entityTypeId_' + #entityTypeId")
     Collection<CalendarInstance> findByCalendarIdAndEntityTypeId(Long calendarId, Integer entityTypeId);
 
     /** Should use in clause, can I do it without creating a new class? **/
+    @Cacheable(key = "'groupId_' + #groupId + '_clientId_' + #clientId + '_statuses_' + T(org.springframework.util.StringUtils).collectionToCommaDelimitedString(#loanStatuses)")
     @Query("select ci from CalendarInstance ci where ci.entityId in (select loan.id from Loan loan where loan.client.id = :clientId and loan.group.id = :groupId and loan.loanStatus in :loanStatuses) and ci.entityTypeId = 3")
     List<CalendarInstance> findCalendarInstancesForLoansByGroupIdAndClientIdAndStatuses(@Param("groupId") Long groupId,
             @Param("clientId") Long clientId, @Param("loanStatuses") Collection<LoanStatus> loanStatuses);
@@ -60,9 +72,41 @@ public interface CalendarInstanceRepository extends JpaRepository<CalendarInstan
     /**
      * EntityType = 3 is for loan
      */
-
+    @Cacheable(key = "'countLoans_calendarId_' + #calendarId + '_statuses_' + T(org.springframework.util.StringUtils).collectionToCommaDelimitedString(#loanStatuses)")
     @Query("SELECT COUNT(ci.id) FROM CalendarInstance ci, Loan loan WHERE loan.id = ci.entityId AND ci.entityTypeId = 3 AND ci.calendar.id = :calendarId AND loan.loanStatus IN :loanStatuses ")
     Integer countOfLoansSyncedWithCalendar(@Param("calendarId") Long calendarId,
             @Param("loanStatuses") Collection<LoanStatus> loanStatuses);
 
+    // Override JpaRepository methods to add cache eviction
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends CalendarInstance> S save(S entity);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends CalendarInstance> List<S> saveAll(Iterable<S> entities);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void delete(CalendarInstance entity);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteById(Long id);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAll();
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAll(Iterable<? extends CalendarInstance> entities);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    void deleteAllById(Iterable<? extends Long> ids);
+
+    @Override
+    @CacheEvict(allEntries = true)
+    <S extends CalendarInstance> S saveAndFlush(S entity);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/service/LoanScheduleAssembler.java

@@ -916,7 +916,7 @@ public class LoanScheduleAssembler {
                     overlappings);
         }
         LoanProductVariableInstallmentConfig installmentConfig = loan.loanProduct().loanProductVariableInstallmentConfig();
-        final CalendarInstance loanCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+        final CalendarInstance loanCalendarInstance = calendarInstanceRepository.findCalendarInstanceByEntityId(loan.getId(),
                 CalendarEntityType.LOANS.getValue());
         Calendar loanCalendar = null;
         if (loanCalendarInstance != null) {

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

@@ -2164,7 +2164,7 @@ public final class LoanApplicationValidator {
     }
 
     private Calendar getCalendarInstance(Loan loan) {
-        CalendarInstance calendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+        CalendarInstance calendarInstance = calendarInstanceRepository.findCalendarInstanceByEntityId(loan.getId(),
                 CalendarEntityType.LOANS.getValue());
         return calendarInstance != null ? calendarInstance.getCalendar() : null;
     }

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

@@ -195,7 +195,7 @@ public final class LoanTransactionValidator {
                     StatusEnum.DISBURSE.getValue(), EntityTables.LOAN.getForeignKeyColumnNameOnDatatable(), loan.productId());
 
             ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null);
-            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstanceByEntityId(loan.getId(),
                     CalendarEntityType.LOANS.getValue());
             if (loan.isSyncDisbursementWithMeeting()) {
                 validateDisbursementDateWithMeetingDate(actualDisbursementDate, calendarInstance,

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanUtilService.java

@@ -78,7 +78,7 @@ public class LoanUtilService {
         }
         final MonetaryCurrency currency = loan.getCurrency();
         ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
-        final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+        final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstanceByEntityId(loan.getId(),
                 CalendarEntityType.LOANS.getValue());
         Calendar calendar = null;
         CalendarHistoryDataWrapper calendarHistoryDataWrapper = null;
@@ -93,10 +93,10 @@ public class LoanUtilService {
         CalendarInstance compoundingCalendarInstance = null;
         Long overdurPenaltyWaitPeriod = null;
         if (loan.isInterestBearingAndInterestRecalculationEnabled()) {
-            restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
+            restCalendarInstance = calendarInstanceRepository.findCalendarInstanceByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_REST_DETAIL.getValue());
-            compoundingCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
-                    CalendarEntityType.LOAN_RECALCULATION_COMPOUNDING_DETAIL.getValue());
+            compoundingCalendarInstance = calendarInstanceRepository.findCalendarInstanceByEntityId(
+                    loan.loanInterestRecalculationDetailId(), CalendarEntityType.LOAN_RECALCULATION_COMPOUNDING_DETAIL.getValue());
             overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
         final Boolean isInterestChargedFromDateAsDisbursementDateEnabled = this.configurationDomainService
@@ -156,7 +156,7 @@ public class LoanUtilService {
     }
 
     public LocalDate getCalculatedRepaymentsStartingFromDate(final Loan loan) {
-        final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+        final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstanceByEntityId(loan.getId(),
                 CalendarEntityType.LOANS.getValue());
         final CalendarHistoryDataWrapper calendarHistoryDataWrapper = null;
         return this.getCalculatedRepaymentsStartingFromDate(loan.getDisbursementDate(), loan, calendarInstance, calendarHistoryDataWrapper);

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

@@ -0,0 +1,280 @@
+/**
+ * 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.ArrayList;
+import java.util.HashMap;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.Random;
+import java.util.concurrent.TimeUnit;
+import java.util.concurrent.atomic.AtomicReference;
+import org.apache.fineract.client.models.PostClientsResponse;
+import org.apache.fineract.client.models.PostLoanProductsResponse;
+import org.apache.fineract.integrationtests.common.BusinessStepHelper;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.Utils;
+import org.apache.fineract.integrationtests.inlinecob.InlineLoanCOBHelper;
+import org.junit.jupiter.api.AfterAll;
+import org.junit.jupiter.api.BeforeAll;
+import org.junit.jupiter.api.Disabled;
+import org.junit.jupiter.api.TestInfo;
+import org.junit.jupiter.api.TestInstance;
+import org.junit.jupiter.api.TestInstance.Lifecycle;
+import org.junit.jupiter.params.ParameterizedTest;
+import org.junit.jupiter.params.provider.ValueSource;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+
+/***
+ * This test class is designed to measure the performance of the Loan Close of Business (COB) process in Fineract. It
+ * creates a specified number of loans, runs the COB process, and measures the time taken for each step. The results are
+ * printed in a consolidated report at the end of all tests.
+ ***/
+@Disabled("This test is disabled by default. To run it, please remove the @Disabled annotation.")
+@TestInstance(Lifecycle.PER_CLASS)
+public class LoanCOBPerformanceRestTest extends BaseLoanIntegrationTest {
+
+    private static final Logger LOG = LoggerFactory.getLogger(LoanCOBPerformanceRestTest.class);
+
+    private static ResponseSpecification responseSpec;
+    private static RequestSpecification requestSpec;
+    private static PostClientsResponse client;
+    private static InlineLoanCOBHelper inlineLoanCOBHelper;
+    private static BusinessStepHelper businessStepHelper;
+    private Random random = new Random();
+
+    // Store metrics for all test runs
+    private Map<String, Map<String, Object>> allTestMetrics = new LinkedHashMap<>();
+
+    @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", Utils.DEFAULT_TENANT);
+        responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
+        ClientHelper clientHelper = new ClientHelper(requestSpec, responseSpec);
+        client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+        inlineLoanCOBHelper = new InlineLoanCOBHelper(requestSpec, responseSpec);
+        businessStepHelper = new BusinessStepHelper();
+        // setup COB Business Steps to prevent test failing due other integration test configurations
+        businessStepHelper.updateSteps("LOAN_CLOSE_OF_BUSINESS", "APPLY_CHARGE_TO_OVERDUE_LOANS", "LOAN_DELINQUENCY_CLASSIFICATION",
+                "CHECK_LOAN_REPAYMENT_DUE", "CHECK_LOAN_REPAYMENT_OVERDUE", "UPDATE_LOAN_ARREARS_AGING", "ADD_PERIODIC_ACCRUAL_ENTRIES",
+                "EXTERNAL_ASSET_OWNER_TRANSFER", "CHECK_DUE_INSTALLMENTS", "ACCRUAL_ACTIVITY_POSTING", "LOAN_INTEREST_RECALCULATION");
+    }
+
+    @AfterAll
+    public void printConsolidatedReport() {
+        LOG.info("\n\n");
+        LOG.info("========================================================================");
+        LOG.info("                     CONSOLIDATED PERFORMANCE REPORT                     ");
+        LOG.info("========================================================================");
+
+        // Table header
+        LOG.info(String.format("%-25s | %-20s | %-20s | %-20s", "Test Configuration", "Loan Creation Time", "First COB Run Time",
+                "Second COB Run Time"));
+        LOG.info("-------------------------------------------------------------------------");
+
+        // Table rows
+        for (Map.Entry<String, Map<String, Object>> entry : allTestMetrics.entrySet()) {
+            String testName = entry.getKey();
+            Map<String, Object> metrics = entry.getValue();
+
+            int loanCount = (int) metrics.get("loanCount");
+            long createTime = (long) metrics.get("loanCreationTimeMs");
+            long firstCobTime = (long) metrics.get("firstCOBTimeMs");
+            long secondCobTime = (long) metrics.get("secondCOBTimeMs");
+
+            LOG.info(String.format("%-25s | %-20s | %-20s | %-20s", testName + " (" + loanCount + " loans)",
+                    createTime + " ms (" + (createTime / loanCount) + " ms/loan)",
+                    firstCobTime + " ms (" + (firstCobTime / loanCount) + " ms/loan)",
+                    secondCobTime + " ms (" + (secondCobTime / loanCount) + " ms/loan)"));
+        }
+
+        LOG.info("========================================================================");
+
+        // Add scaled performance analysis if there are multiple tests
+        if (allTestMetrics.size() > 1) {
+            LOG.info("\n");
+            LOG.info("SCALING ANALYSIS");
+            LOG.info("========================================================================");
+            LOG.info("This analysis shows how performance scales with increasing loan counts");
+
+            // Find the smallest and largest loan count tests
+            int minLoans = Integer.MAX_VALUE;
+            int maxLoans = 0;
+            String minTestName = "";
+            String maxTestName = "";
+
+            for (Map.Entry<String, Map<String, Object>> entry : allTestMetrics.entrySet()) {
+                int loanCount = (int) entry.getValue().get("loanCount");
+                if (loanCount < minLoans) {
+                    minLoans = loanCount;
+                    minTestName = entry.getKey();
+                }
+                if (loanCount > maxLoans) {
+                    maxLoans = loanCount;
+                    maxTestName = entry.getKey();
+                }
+            }
+
+            if (!minTestName.equals(maxTestName)) {
+                Map<String, Object> minMetrics = allTestMetrics.get(minTestName);
+                Map<String, Object> maxMetrics = allTestMetrics.get(maxTestName);
+
+                double loanCountRatio = (double) maxLoans / minLoans;
+
+                double createTimeRatio = (double) ((long) maxMetrics.get("loanCreationTimeMs"))
+                        / ((long) minMetrics.get("loanCreationTimeMs"));
+
+                double firstCOBRatio = (double) ((long) maxMetrics.get("firstCOBTimeMs")) / ((long) minMetrics.get("firstCOBTimeMs"));
+
+                double secondCOBRatio = (double) ((long) maxMetrics.get("secondCOBTimeMs")) / ((long) minMetrics.get("secondCOBTimeMs"));
+
+                LOG.info(String.format("Loan count increased by a factor of %.2f (from %d to %d)", loanCountRatio, minLoans, maxLoans));
+                LOG.info(String.format("Loan creation time increased by a factor of %.2f (scaling efficiency: %.2f%%)", createTimeRatio,
+                        (loanCountRatio / createTimeRatio) * 100));
+                LOG.info(String.format("First COB run time increased by a factor of %.2f (scaling efficiency: %.2f%%)", firstCOBRatio,
+                        (loanCountRatio / firstCOBRatio) * 100));
+                LOG.info(String.format("Second COB run time increased by a factor of %.2f (scaling efficiency: %.2f%%)", secondCOBRatio,
+                        (loanCountRatio / secondCOBRatio) * 100));
+                LOG.info("------------------------------------------------------------------------");
+                LOG.info("Note: Scaling efficiency > 100% indicates better than linear scaling");
+                LOG.info("      Scaling efficiency < 100% indicates worse than linear scaling");
+            }
+
+            LOG.info("========================================================================");
+        }
+    }
+
+    private Long createLoanProduct(String disbursementDate, Double amount, Double interestRate, Integer numberOfInstallments) {
+        PostLoanProductsResponse loanProduct = loanProductHelper
+                .createLoanProduct(create4IProgressive().recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY));
+
+        Long loanId = applyAndApproveProgressiveLoan(client.getClientId(), loanProduct.getResourceId(), disbursementDate, amount,
+                interestRate, numberOfInstallments, null);
+        disburseLoan(loanId, BigDecimal.valueOf(amount), disbursementDate);
+        return loanId;
+    }
+
+    public List<Long> createLoans(int numberOfLoans, String disbursementDate, Double amount, Double interestRate,
+            Integer numberOfInstallments) {
+        LOG.info("Creating {} loans...", numberOfLoans);
+        long startTime = System.nanoTime();
+
+        List<Long> loanIds = new ArrayList<>();
+        for (int i = 0; i < numberOfLoans; i++) {
+            Long loanId = createLoanProduct(disbursementDate, amount != null ? amount : getRandomAmount(),
+                    interestRate != null ? interestRate : getRandomInterestRate(),
+                    numberOfInstallments != null ? numberOfInstallments : getRandomNumberOfInstallments());
+            loanIds.add(loanId);
+
+            if ((i + 1) % 10 == 0) {
+                LOG.info("Created {} loans so far...", (i + 1));
+            }
+        }
+
+        long endTime = System.nanoTime();
+        long durationMs = TimeUnit.NANOSECONDS.toMillis(endTime - startTime);
+        LOG.info("Loan creation completed in {} ms ({} ms per loan)", durationMs, durationMs / numberOfLoans);
+
+        return loanIds;
+    }
+
+    // random number from 3,4,6,12
+    private Integer getRandomNumberOfInstallments() {
+        int[] possibleValues = { 3, 4, 6, 12 };
+        return possibleValues[random.nextInt(possibleValues.length)];
+    }
+
+    private Double getRandomAmount() {
+        return random.nextInt(1, 100) * 100.0;
+    }
+
+    private Double getRandomInterestRate() {
+        return (double) random.nextInt(1, 15);
+    }
+
+    @ParameterizedTest
+    @ValueSource(ints = { 10, 50, 100 })
+    public void testLoanCOBPerformanceWithDifferentLoansCount(int loanCount, TestInfo testInfo) {
+        String testName = testInfo.getDisplayName();
+        LOG.info("Starting test: {} with {} loans", testName, loanCount);
+
+        AtomicReference<List<Long>> loanIds = new AtomicReference<>(new ArrayList<>());
+        final Map<String, Object> metrics = new HashMap<>();
+        metrics.put("loanCount", loanCount);
+
+        // Create loans
+        runAt("1 January 2023", () -> {
+            long startTime = System.nanoTime();
+            loanIds.set(createLoans(loanCount, "1 January 2023", null, null, null));
+            long endTime = System.nanoTime();
+            long duration = TimeUnit.NANOSECONDS.toMillis(endTime - startTime);
+            metrics.put("loanCreationTimeMs", duration);
+            LOG.info("Created {} loans in {} ms", loanCount, duration);
+        });
+
+        // First COB run - January to February
+        runAt("1 February 2023", () -> {
+            LOG.info("Running first COB for {} loans...", loanCount);
+            long startTime = System.nanoTime();
+            inlineLoanCOBHelper.executeInlineCOB(loanIds.get());
+            long endTime = System.nanoTime();
+            long duration = TimeUnit.NANOSECONDS.toMillis(endTime - startTime);
+            metrics.put("firstCOBTimeMs", duration);
+            LOG.info("First COB completed in {} ms ({} ms per loan)", duration, duration / loanCount);
+        });
+
+        // Second COB run - February to March
+        runAt("1 March 2023", () -> {
+            LOG.info("Running second COB for {} loans...", loanCount);
+            long startTime = System.nanoTime();
+            inlineLoanCOBHelper.executeInlineCOB(loanIds.get());
+            long endTime = System.nanoTime();
+            long duration = TimeUnit.NANOSECONDS.toMillis(endTime - startTime);
+            metrics.put("secondCOBTimeMs", duration);
+            LOG.info("Second COB completed in {} ms ({} ms per loan)", duration, duration / loanCount);
+        });
+
+        // Add metrics to the consolidated collection
+        allTestMetrics.put(testName, metrics);
+
+        // Print individual test summary
+        LOG.info("Individual test complete. Summary for {} loans:", loanCount);
+        LOG.info("----------------------------------------------------");
+        LOG.info("Loan Creation Time: {} ms ({} ms/loan)", metrics.get("loanCreationTimeMs"),
+                ((Long) metrics.get("loanCreationTimeMs")) / loanCount);
+        LOG.info("First COB Run Time: {} ms ({} ms/loan)", metrics.get("firstCOBTimeMs"),
+                ((Long) metrics.get("firstCOBTimeMs")) / loanCount);
+        LOG.info("Second COB Run Time: {} ms ({} ms/loan)", metrics.get("secondCOBTimeMs"),
+                ((Long) metrics.get("secondCOBTimeMs")) / loanCount);
+        LOG.info("----------------------------------------------------\n");
+
+        LOG.info("Full consolidated report will be printed after all tests complete.");
+    }
+}