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FINERACT-2174: added e2e tests covering extended migration scenario with fees/penalties

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This commit is contained in:
Rustam Zeinalov
2026-01-08 11:36:16 +01:00
committed by Adam Saghy
parent e2842de23b
commit 97511ca2ff
1 changed files with 419 additions and 0 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanMigration.feature
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@@ -1122,3 +1122,422 @@ Feature: Loan Migration
| 01 April 2025 | Accrual Activity | 33.0 | 0.0 | 33.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 68.66 | 0.0 | 68.66 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4437
Scenario: Verify backdated loan with applied charges and final COB - charge-inclusive income recognition
When Admin sets the business date to "10 April 2025"
And 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 | 01 January 2025 | 500 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2025" with "500" amount and expected disbursement date on "01 January 2025"
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
# --- Add fee charge backdated to 15 January 2025 ---
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 January 2025" due date and 50 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 0.0 | 0.0 | 0.0 | 99.48 |
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 98.72 | 50.0 | 0.0 | 648.72 | 0.0 | 0.0 | 0.0 | 648.72 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 0.0 | 0.0 | 50.0 |
# --- Make partial payment backdated to 01 February 2025 covering portion of principal/interest/fees ---
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 75 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48 |
| 2 | 28 | 01 March 2025 | | 427.56 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 390.85 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 352.72 | 38.13 | 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 312.94 | 39.78 | 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 272.07 | 40.87 | 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 230.07 | 42.0 | 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 186.92 | 43.15 | 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 142.58 | 44.34 | 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 97.02 | 45.56 | 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 50.21 | 46.81 | 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 50.21 | 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0 | 0.0 | 570.87 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 | 25.52 | 0.0 | 464.27 | false | false |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 25.52 | 0.0 | 24.48 |
# --- Run inline COB job to generate aggregated accruals ---
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48 |
| 2 | 28 | 01 March 2025 | | 427.56 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 390.85 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 352.72 | 38.13 | 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 312.94 | 39.78 | 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 272.07 | 40.87 | 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 230.07 | 42.0 | 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 186.92 | 43.15 | 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 142.58 | 44.34 | 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 97.02 | 45.56 | 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 50.21 | 46.81 | 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 50.21 | 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0 | 0.0 | 570.87 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 | 25.52 | 0.0 | 464.27 | false | false |
| 01 February 2025 | Accrual Activity | 63.75 | 0.0 | 13.75 | 50.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 92.69 | 0.0 | 42.69 | 50.0 | 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 |
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 25.52 | 0.0 | 24.48 |
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4438
Scenario: Verify backdated loan with NSF fee after late payment - penalty income recognition
When Admin sets the business date to "10 April 2025"
And 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 | 01 January 2025 | 500 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2025" with "500" amount and expected disbursement date on "01 January 2025"
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
# --- Make late payment backdated to 15 February 2025 (due was 01 February 2025) ---
And Customer makes "AUTOPAY" repayment on "15 February 2025" with 49.48 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 96.49 | 0.0 | 0.0 | 596.49 | 49.48 | 0.0 | 49.48 | 547.01 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
# --- Add NSF fee backdated to 20 February 2025 ---
When Admin adds an NSF fee because of payment bounce with "20 February 2025" transaction date
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0 | 59.48 |
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0 | 49.48 | 557.01 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
And Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 20 February 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
# --- Run inline COB job to generate aggregated accruals including penalty ---
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0 | 59.48 |
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0 | 49.48 | 557.01 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 01 February 2025 | Accrual Activity | 13.75 | 0.0 | 13.75 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
| 01 March 2025 | Accrual Activity | 23.26 | 0.0 | 13.26 | 0.0 | 10.0 | 0.0 | false | false |
| 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 53.18 | 0.0 | 43.18 | 0.0 | 10.0 | 0.0 | false | false |
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4439
Scenario: Verify backdated loan with multiple repayment reversals and refunds - schedule and balance adjustments
When Admin sets the business date to "10 April 2025"
And 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 | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
And Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2025 | | 709.99 | 75.6 | 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 630.54 | 79.45 | 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 548.91 | 81.63 | 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 465.04 | 83.87 | 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 378.86 | 86.18 | 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 290.31 | 88.55 | 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 199.32 | 90.99 | 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 105.83 | 93.49 | 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 105.83 | 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0 | 0.0 | 1197.41 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
# --- Make first payment backdated to 01 February 2025 ---
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 100 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | | 855.07 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 1.03 | 1.03 | 0.0 | 97.94 |
| 3 | 31 | 01 April 2025 | | 781.61 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2025 | | 705.34 | 76.27 | 22.7 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 625.77 | 79.57 | 19.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 544.01 | 81.76 | 17.21 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 460.0 | 84.01 | 14.96 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 373.68 | 86.32 | 12.65 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 284.99 | 88.69 | 10.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 193.86 | 91.13 | 7.84 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 100.22 | 93.64 | 5.33 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 100.22 | 2.76 | 0.0 | 0.0 | 102.98 | 0.0 | 0.0 | 0.0 | 102.98 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 191.65 | 0.0 | 0.0 | 1191.65 | 100.0 | 1.03 | 0.0 | 1091.65 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | false | false |
# --- Make second payment backdated to 01 March 2025 ---
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 150 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2025 | 01 March 2025 | 855.07 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 98.97 | 1.03 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2025 | | 778.18 | 76.89 | 22.08 | 0.0 | 0.0 | 98.97 | 52.06 | 52.06 | 0.0 | 46.91 |
| 4 | 30 | 01 May 2025 | | 700.81 | 77.37 | 21.6 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 621.11 | 79.7 | 19.27 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 539.22 | 81.89 | 17.08 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 455.08 | 84.14 | 14.83 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 368.62 | 86.46 | 12.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 279.79 | 88.83 | 10.14 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 188.51 | 91.28 | 7.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 94.72 | 93.79 | 5.18 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 94.72 | 2.6 | 0.0 | 0.0 | 97.32 | 0.0 | 0.0 | 0.0 | 97.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 185.99 | 0.0 | 0.0 | 1185.99 | 250.0 | 53.09 | 0.0 | 935.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | false | false |
| 01 March 2025 | Repayment | 150.0 | 124.49 | 25.51 | 0.0 | 0.0 | 803.01 | false | false |
# --- Reverse/refund the first payment from 01 February 2025 ---
When Customer undo "1"th repayment on "01 February 2025"
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 51.03 | 0.0 | 0.0 | 47.94 |
| 3 | 31 | 01 April 2025 | | 782.98 | 74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 4 | 30 | 01 May 2025 | | 706.55 | 76.43 | 22.54 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 627.01 | 79.54 | 19.43 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 545.28 | 81.73 | 17.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 461.31 | 83.97 | 15.0 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 375.03 | 86.28 | 12.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 286.37 | 88.66 | 10.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 195.28 | 91.09 | 7.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 101.68 | 93.6 | 5.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 101.68 | 2.8 | 0.0 | 0.0 | 104.48 | 0.0 | 0.0 | 0.0 | 104.48 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 193.15 | 0.0 | 0.0 | 1193.15 | 150.0 | 0.0 | 98.97 | 1043.15 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | false | true |
# --- Make third payment backdated to 01 April 2025 ---
And Customer makes "AUTOPAY" repayment on "01 April 2025" with 200 EUR transaction amount
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 47.94 | 0.0 |
| 3 | 31 | 01 April 2025 | 01 April 2025 | 782.98 | 74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2025 | | 704.08 | 78.9 | 20.07 | 0.0 | 0.0 | 98.97 | 53.09 | 53.09 | 0.0 | 45.88 |
| 5 | 31 | 01 June 2025 | | 624.47 | 79.61 | 19.36 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 542.67 | 81.8 | 17.17 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 458.62 | 84.05 | 14.92 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 372.26 | 86.36 | 12.61 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 283.53 | 88.73 | 10.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 192.36 | 91.17 | 7.8 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 98.68 | 93.68 | 5.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 98.68 | 2.71 | 0.0 | 0.0 | 101.39 | 0.0 | 0.0 | 0.0 | 101.39 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 190.06 | 0.0 | 0.0 | 1190.06 | 350.0 | 53.09 | 146.91 | 840.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | false | true |
| 01 April 2025 | Repayment | 200.0 | 175.11 | 24.89 | 0.0 | 0.0 | 729.89 | false | false |
# --- Reverse/refund the second payment from 01 March 2025 ---
When Customer undo "2"th repayment on "01 March 2025"
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0 | 96.91 |
| 4 | 30 | 01 May 2025 | | 708.81 | 76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 629.33 | 79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 547.67 | 81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 463.76 | 83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 377.54 | 86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 288.95 | 88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 197.93 | 91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 104.4 | 93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0 | 107.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0 | 197.94 | 995.94 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | true | true |
| 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 | 0.0 | 0.0 | 857.06 | false | true |
# --- Run inline COB job to generate aggregated accruals ---
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0 | 96.91 |
| 4 | 30 | 01 May 2025 | | 708.81 | 76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 5 | 31 | 01 June 2025 | | 629.33 | 79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 6 | 30 | 01 July 2025 | | 547.67 | 81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 7 | 31 | 01 August 2025 | | 463.76 | 83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 8 | 31 | 01 September 2025 | | 377.54 | 86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 9 | 30 | 01 October 2025 | | 288.95 | 88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 10 | 31 | 01 November 2025 | | 197.93 | 91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 11 | 30 | 01 December 2025 | | 104.4 | 93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
| 12 | 31 | 01 January 2026 | | 0.0 | 104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0 | 107.27 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0 | 197.94 | 995.94 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | true | true |
| 01 March 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 | 0.0 | 0.0 | 857.06 | false | true |
| 01 April 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
| 09 April 2025 | Accrual | 88.79 | 0.0 | 88.79 | 0.0 | 0.0 | 0.0 | false | false |
# --- Verify final loan balance reflects all transactions correctly ---
Then Loan has 995.94 outstanding amount
When Loan Pay-off is made on "10 April 2025"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met