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FINERACT-1981: Loan schedule handling of tranche disbursement charges

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budaidev
2025-05-29 15:01:23 +02:00
committed by Adam Saghy
parent 96d6099cc1
commit 6e77b0702a
9 changed files with 888 additions and 31 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanCharge.feature
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@@ -4793,4 +4793,778 @@ Feature: LoanCharge
| 25 February 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 28 March 2025 | Accrual | 25.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 |
Then LoanAccrualTransactionCreatedBusinessEvent is raised on "28 March 2025"
Given Global configuration "enable-immediate-charge-accrual-post-maturity" is disabled
Given Global configuration "enable-immediate-charge-accrual-post-maturity" is disabled
@TestRailId:C3650
Scenario: Tranche disbursement charges - disbursement flat charge
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT" with "FLAT" calculation type and 10.0 EUR amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 130 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT | 10.0 | 01 January 2024 | 100.0 | 03 March 2024 | 30.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
And Admin successfully approves the loan on "01 January 2024" with "130" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 10.0 | | 10.0 | 10.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 10.0 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 10.0 | 10.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 10.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
# Add repayment on 01 February 2024
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 10.0 | | 10.0 | 10.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 27.01 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Add repayment on 01 March 2024
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 10.0 | | 10.0 | 10.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 44.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Add additional disbursement on 03 March 2024
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 30 EUR transaction amount
And Admin successfully disburse the loan on "03 March 2024" with "30" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 10.0 | | 10.0 | 10.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 30.0 | | | 10.0 | | 10.0 | 10.0 | | | |
| 3 | 31 | 01 April 2024 | | 72.99 | 24.06 | 0.55 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 4 | 30 | 01 May 2024 | | 48.81 | 24.18 | 0.43 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 5 | 31 | 01 June 2024 | | 24.48 | 24.33 | 0.28 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 6 | 30 | 01 July 2024 | | 0.0 | 24.48 | 0.14 | 0.0 | 0.0 | 24.62 | 0.0 | 0.0 | 0.0 | 24.62 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 130.0 | 2.47 | 20.0 | 0.0 | 152.47 | 54.02 | 0.0 | 0.0 | 98.45 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 97.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 97.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 03 March 2024 | Flat | 10.0 | 10.0 | 0.0 | 0.0 |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 10.0 | 10.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 10.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
@TestRailId:C3652
Scenario: Tranche disbursement charges - disbursement percentage charge
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_PERCENT" with "PERCENTAGE_DISBURSEMENT_AMOUNT" calculation type and 1.0 % of transaction amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 130 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_PERCENT | 1.0 | 01 January 2024 | 100.0 | 03 March 2024 | 30.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 0.0 | 0.0 | 1.0 |
And Admin successfully approves the loan on "01 January 2024" with "130" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 1.0 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 1.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 1.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 1.0 | |
# First repayment
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 18.01 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Second repayment
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 35.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Second disbursement
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 30 EUR transaction amount
When Admin successfully disburse the loan on "03 March 2024" with "30" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 30.0 | | | 0.3 | | 0.3 | 0.3 | | | |
| 3 | 31 | 01 April 2024 | | 72.99 | 24.06 | 0.55 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 4 | 30 | 01 May 2024 | | 48.81 | 24.18 | 0.43 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 5 | 31 | 01 June 2024 | | 24.48 | 24.33 | 0.28 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 6 | 30 | 01 July 2024 | | 0.0 | 24.48 | 0.14 | 0.0 | 0.0 | 24.62 | 0.0 | 0.0 | 0.0 | 24.62 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 130.0 | 2.47 | 1.3 | 0.0 | 133.77 | 35.32 | 0.0 | 0.0 | 98.45 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 97.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 0.3 | 0.0 | 0.0 | 0.3 | 0.0 | 97.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 03 March 2024 | % Disbursement Amount | 0.3 | 0.3 | 0.0 | 0.0 |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 1.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 0.3 |
| LIABILITY | 145023 | Suspense/Clearing account | 0.3 | |
@TestRailId:C3653
Scenario: Tranche disbursement charges - flat and cash based accounting
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT" with "FLAT" calculation type and 0.02 EUR amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT | 0.02 | 01 January 2024 | 100.0 | 03 March 2024 | 100.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 0.02 | 0.0 | 0.0 | 0.02 |
And Admin successfully approves the loan on "01 January 2024" with "130" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 0.02 | | 0.02 | 0.02 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.02 | 0.0 | 102.07 | 0.02 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 0.02 | 0.0 | 0.0 | 0.02 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 0.02 | 0.02 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 0.02 |
| LIABILITY | 145023 | Suspense/Clearing account | 0.02 | |
# First repayment
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 0.02 | | 0.02 | 0.02 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.02 | 0.0 | 102.07 | 17.03 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 0.02 | 0.0 | 0.0 | 0.02 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Second repayment
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 0.02 | | 0.02 | 0.02 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.02 | 0.0 | 102.07 | 34.04 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 0.02 | 0.0 | 0.0 | 0.02 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Second disbursement
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 30 EUR transaction amount
When Admin successfully disburse the loan on "03 March 2024" with "30" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 0.02 | | 0.02 | 0.02 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 30.0 | | | 0.02 | | 0.02 | 0.02 | | | |
| 3 | 31 | 01 April 2024 | | 72.99 | 24.06 | 0.55 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 4 | 30 | 01 May 2024 | | 48.81 | 24.18 | 0.43 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 5 | 31 | 01 June 2024 | | 24.48 | 24.33 | 0.28 | 0.0 | 0.0 | 24.61 | 0.0 | 0.0 | 0.0 | 24.61 |
| 6 | 30 | 01 July 2024 | | 0.0 | 24.48 | 0.14 | 0.0 | 0.0 | 24.62 | 0.0 | 0.0 | 0.0 | 24.62 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 130.0 | 2.47 | 0.04 | 0.0 | 132.51 | 34.06 | 0.0 | 0.0 | 98.45 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 0.02 | 0.0 | 0.0 | 0.02 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 97.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 0.02 | 0.0 | 0.0 | 0.02 | 0.0 | 97.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 03 March 2024 | Flat | 0.02 | 0.02 | 0.0 | 0.0 |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 0.02 | 0.02 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 0.02 |
| LIABILITY | 145023 | Suspense/Clearing account | 0.02 | |
@TestRailId:C3654
Scenario: Tranche disbursement charges - percentage disbursement and accrual based accounting
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_PERCENT" with "PERCENTAGE_DISBURSEMENT_AMOUNT" calculation type and 1.0 % of transaction amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_PERCENT | 1.0 | 01 January 2024 | 100.0 | 03 March 2024 | 100.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 0.0 | 0.0 | 1.0 |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 1.0 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 1.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 1.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 1.0 | |
# First repayment
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 18.01 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Second repayment
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 1.0 | 0.0 | 103.05 | 35.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Second disbursement
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 100 EUR transaction amount
When Admin successfully disburse the loan on "03 March 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 100.0 | | | 1.0 | | 1.0 | 1.0 | | | |
| 3 | 31 | 01 April 2024 | | 125.62 | 41.43 | 0.94 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 4 | 30 | 01 May 2024 | | 83.98 | 41.64 | 0.73 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 5 | 31 | 01 June 2024 | | 42.1 | 41.88 | 0.49 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 6 | 30 | 01 July 2024 | | 0.0 | 42.1 | 0.25 | 0.0 | 0.0 | 42.35 | 0.0 | 0.0 | 0.0 | 42.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 3.48 | 2.0 | 0.0 | 205.48 | 36.02 | 0.0 | 0.0 | 169.46 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 167.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 03 March 2024 | % Disbursement Amount | 1.0 | 1.0 | 0.0 | 0.0 |
| Tranche Disbursement Charge Percent | false | Tranche Disbursement | 01 January 2024 | % Disbursement Amount | 1.0 | 1.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 1.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 1.0 | |
# Run income recognition for accrual test
And Admin runs the Accrual Activity Posting job
And Admin runs the Add Accrual Transactions job
And Admin runs the Add Accrual Transactions For Loans With Income Posted As Transactions job
And Admin runs the Add Periodic Accrual Transactions job
And Admin runs the Recalculate Interest for Loans job
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 1.0 | 0.0 | 0.0 | 1.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Accrual | 1.1 | 0.0 | 1.1 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "ACCRUAL" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112603 | Interest/Fee Receivable | 1.1 | |
| INCOME | 404000 | Interest Income | | 1.1 |
@TestRailId:C3655
Scenario: Disbursement charge - flat and accrual based accounting - undo disbursement
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT" with "FLAT" calculation type and 5.0 EUR amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT | 5.0 | 01 January 2024 | 100.0 | 03 March 2024 | 100.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 5.0 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 5.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 5.0 | |
# First repayment
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 22.01 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Second repayment
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 39.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Second disbursement
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 100 EUR transaction amount
When Admin successfully disburse the loan on "03 March 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 3 | 31 | 01 April 2024 | | 125.62 | 41.43 | 0.94 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 4 | 30 | 01 May 2024 | | 83.98 | 41.64 | 0.73 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 5 | 31 | 01 June 2024 | | 42.1 | 41.88 | 0.49 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 6 | 30 | 01 July 2024 | | 0.0 | 42.1 | 0.25 | 0.0 | 0.0 | 42.35 | 0.0 | 0.0 | 0.0 | 42.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 3.48 | 10.0 | 0.0 | 213.48 | 44.02 | 0.0 | 0.0 | 169.46 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 167.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 03 March 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 5.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 5.0 | |
# Run income recognition for accrual test
When Admin sets the business date to "03 March 2024"
And Admin runs the Accrual Activity Posting job
And Admin runs the Add Accrual Transactions job
And Admin runs the Add Accrual Transactions For Loans With Income Posted As Transactions job
And Admin runs the Add Periodic Accrual Transactions job
And Admin runs the Recalculate Interest for Loans job
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Accrual | 1.1 | 0.0 | 1.1 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "ACCRUAL" transaction with date "03 March 2024" which has the following Journal entries:
| ASSET | 112603 | Interest/Fee Receivable | 1.1 | |
| INCOME | 404000 | Interest Income | | 1.1 |
# Undo disbursement
When Admin successfully undo disbursal
Then Loan status has changed to "Active"
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | | | | 5.0 |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 0.0 | 0.0 | 0.0 | 107.05 |
@Skip
@TestRailId:C3656
Scenario: Disbursement charge - flat and accrual based accounting - undo last disbursement
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin updates charge "CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT" with "FLAT" calculation type and 5.0 EUR amount
When Admin creates a fully customized loan with charges and disbursement details and 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 | charge calculation type | charge amount | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | CHARGE_LOAN_TRANCHE_DISBURSEMENT_CHARGE_AMOUNT | 5.0 | 01 January 2024 | 100.0 | 03 March 2024 | 100.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 5.0 | 0.0 | 0.0 | 102.05 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 5.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 5.0 | |
# First repayment
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 22.01 | 0.0 | 0.0 | 85.04 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# Second repayment
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 39.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
# Second disbursement
When Admin sets the business date to "03 March 2024"
And Admin successfully add disbursement detail to the loan on "03 March 2024" with 100 EUR transaction amount
When Admin successfully disburse the loan on "03 March 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| | | 03 March 2024 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 3 | 31 | 01 April 2024 | | 125.62 | 41.43 | 0.94 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 4 | 30 | 01 May 2024 | | 83.98 | 41.64 | 0.73 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 5 | 31 | 01 June 2024 | | 42.1 | 41.88 | 0.49 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
| 6 | 30 | 01 July 2024 | | 0.0 | 42.1 | 0.25 | 0.0 | 0.0 | 42.35 | 0.0 | 0.0 | 0.0 | 42.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 3.48 | 10.0 | 0.0 | 213.48 | 44.02 | 0.0 | 0.0 | 169.46 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 167.05 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 03 March 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 5.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 5.0 | |
# Run income recognition for accrual test
When Admin sets the business date to "03 March 2024"
And Admin runs the Accrual Activity Posting job
And Admin runs the Add Accrual Transactions job
And Admin runs the Add Accrual Transactions For Loans With Income Posted As Transactions job
And Admin runs the Add Periodic Accrual Transactions job
And Admin runs the Recalculate Interest for Loans job
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 167.05 | false | false |
| 03 March 2024 | Accrual | 1.1 | 0.0 | 1.1 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "ACCRUAL" transaction with date "03 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112603 | Interest/Fee Receivable | 1.1 | |
| INCOME | 404000 | Interest Income | | 1.1 |
# Undo last disbursement
When Admin successfully undo last disbursal
Then Loan status has changed to "Active"
Then Loan Repayment schedule has 6 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 | | 100.0 | | | 5.0 | | 5.0 | 5.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 5.0 | 0.0 | 107.05 | 39.02 | 0.0 | 0.0 | 68.03 |
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Repayment (at time of disbursement) | 5.0 | 0.0 | 0.0 | 5.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 03 March 2024 | Accrual | 1.1 | 0.0 | 1.1 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Tranche Disbursement Charge Amount | false | Tranche Disbursement | 01 January 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
Then Loan Transactions tab has a "REPAYMENT_AT_DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 5.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 5.0 | |