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

FINERACT-2228: Fix incorrect current balance calculation and unintentional transaction reversals

Browse Source
This commit is contained in:
Adam Saghy
2025-04-01 08:50:14 +02:00
parent b7845166c4
commit 833f4a0d33
9 changed files with 202 additions and 49 deletions
Download Patch File Download Diff File Expand all files Collapse all files
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
+119 -1
View File
@@ -4449,4 +4449,122 @@ Feature: LoanRepayment
| 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 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3569
Scenario: Verify Loan is fully paid and closed after partial repayments, Merchant issued refund which overpays the loan, partial CBR and reversal of 1st repayment
When Admin sets the business date to "28 March 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 26 March 2025 | 120 | 35.29 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "26 March 2025" with "120" amount and expected disbursement date on "26 March 2025"
When Admin successfully disburse the loan on "26 March 2025" with "120" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 81.15 | 38.85 | 3.53 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 2 | 30 | 26 May 2025 | | 41.16 | 39.99 | 2.39 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 41.16 | 1.21 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 7.13 | 0.0 | 0.0 | 127.13 | 0.0 | 0.0 | 0.0 | 127.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
And Customer makes "AUTOPAY" repayment on "27 March 2025" with 20 EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 80.58 | 39.42 | 2.96 | 0.0 | 0.0 | 42.38 | 20.0 | 20.0 | 0.0 | 22.38 |
| 2 | 30 | 26 May 2025 | | 40.57 | 40.01 | 2.37 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 40.57 | 1.19 | 0.0 | 0.0 | 41.76 | 0.0 | 0.0 | 0.0 | 41.76 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 6.52 | 0.0 | 0.0 | 126.52 | 20.0 | 20.0 | 0.0 | 106.52 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
And Customer makes "AUTOPAY" repayment on "27 March 2025" with 20 EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 80.01 | 39.99 | 2.39 | 0.0 | 0.0 | 42.38 | 40.0 | 40.0 | 0.0 | 2.38 |
| 2 | 30 | 26 May 2025 | | 39.98 | 40.03 | 2.35 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 39.98 | 1.18 | 0.0 | 0.0 | 41.16 | 0.0 | 0.0 | 0.0 | 41.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 5.92 | 0.0 | 0.0 | 125.92 | 40.0 | 40.0 | 0.0 | 85.92 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "27 March 2025" with 120 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 80.11 | 39.89 | 0.11 | 0.0 | 0.0 | 40.0 | 40.0 | 40.0 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 37.73 | 0.0 | 0.0 | 0.0 | 37.73 | 37.73 | 37.73 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 80.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 40 overpaid amount
And Admin makes Credit Balance Refund transaction on "28 March 2025" with 20 EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 80.11 | 39.89 | 0.11 | 0.0 | 0.0 | 40.0 | 40.0 | 40.0 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 37.73 | 0.0 | 0.0 | 0.0 | 37.73 | 37.73 | 37.73 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 80.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Credit Balance Refund | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 20 overpaid amount
When Customer undo "1"th "Repayment" transaction made on "27 March 2025"
Then Loan Repayment schedule has 3 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 84.76 | 35.24 | 0.11 | 0.0 | 0.0 | 35.35 | 35.35 | 35.35 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | true | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | true |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 100.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | true |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Credit Balance Refund | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount