FINERACT-1971: Accrual for interest bearing loan with charge accrual based on submitted On Date fix

2024-06-06 14:08:02 +02:00
parent 4bf93fdde7
commit a078cfd8c5
2 changed files with 253 additions and 3 deletions
@@ -1358,9 +1358,7 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
            Money fee = Money.zero(getCurrency());
            Money penality = Money.zero(getCurrency());
            for (LoanTransaction loanTransaction : accruals) {
-                LocalDate transactionDateForRange = isBasedOnSubmittedOnDate
-                        ? loanTransaction.getLoanChargesPaid().stream().findFirst().get().getLoanCharge().getDueDate()
-                        : loanTransaction.getTransactionDate();
+                LocalDate transactionDateForRange = getDateForRangeCalculation(loanTransaction, isBasedOnSubmittedOnDate);
                boolean isInPeriod = LoanRepaymentScheduleProcessingWrapper.isInPeriod(transactionDateForRange, installment, installments);
                if (isInPeriod) {
                    interest = interest.plus(loanTransaction.getInterestPortion(getCurrency()));
@@ -1389,6 +1387,12 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
        }
    }

+    private LocalDate getDateForRangeCalculation(LoanTransaction loanTransaction, boolean isChargeAccrualBasedOnSubmittedOnDate) {
+        return isChargeAccrualBasedOnSubmittedOnDate && !loanTransaction.getLoanChargesPaid().isEmpty()
+                ? loanTransaction.getLoanChargesPaid().stream().findFirst().get().getLoanCharge().getEffectiveDueDate()
+                : loanTransaction.getTransactionDate();
+    }
+
    private void updateAccrualsForNonPeriodicAccruals(final Collection<LoanTransaction> accruals) {
        final Money interestApplied = Money.of(getCurrency(), this.summary.getTotalInterestCharged());
        ExternalId externalId = ExternalId.empty();
@@ -0,0 +1,246 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.integrationtests;
+
+import static org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder.DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY;
+
+import java.math.BigDecimal;
+import org.apache.fineract.client.models.PostLoanProductsRequest;
+import org.apache.fineract.client.models.PostLoanProductsResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdResponse;
+import org.apache.fineract.client.models.PostLoansRequest;
+import org.apache.fineract.client.models.PostLoansResponse;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
+import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
+import org.junit.jupiter.api.Test;
+
+public class LoanAccrualTransactionWithInterestAndChargeAccrualDateAsSubmittedOnDateTest extends BaseLoanIntegrationTest {
+
+    private SchedulerJobHelper schedulerJobHelper = new SchedulerJobHelper(this.requestSpec);
+
+    @Test
+    public void accrualTransactionForInterestBearingLoan_WithoutCharges_SubmittedOnDateAsChargeAccrualDateWorksTest() {
+        runAt("15 April 2024", () -> {
+
+            try {
+                // Configure Charge accrual date as submitted on date
+                GlobalConfigurationHelper.updateChargeAccrualDateConfiguration(this.requestSpec, this.responseSpec, "submitted-date");
+
+                // Create Client
+                Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+                // Create Loan Product
+                PostLoanProductsRequest loanProductsRequest = createLoanProductWithInterestCalculation();
+                PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest);
+
+                // Apply and Approve Loan
+                Long loanId = applyAndApproveLoanApplication(clientId, loanProductResponse.getResourceId(), "15 April 2024", 1000.0, 4);
+
+                // Disburse Loan
+                disburseLoan(loanId, BigDecimal.valueOf(500), "15 April 2024");
+
+                // Verify Repayment Schedule and Due Dates
+                verifyRepaymentSchedule(loanId, //
+                        installment(500.0, null, "15 April 2024"), //
+                        installment(114.41, 29.59, 0.0, 0.0, 144.0, false, "30 April 2024"), //
+                        installment(121.18, 22.82, 0.0, 0.0, 144.0, false, "15 May 2024"), //
+                        installment(128.35, 15.65, 0.0, 0.0, 144.0, false, "30 May 2024"), //
+                        installment(136.06, 8.05, 0.0, 0.0, 144.11, false, "14 June 2024") //
+                );
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
+                );
+
+                // update business date
+                updateBusinessDate("25 April 2024");
+
+                // run cob
+                schedulerJobHelper.executeAndAwaitJob("Loan COB");
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(17.75, "Accrual", "24 April 2024", 0.0, 0.0, 17.75, 0.0, 0.0, 0.0, 0.0) //
+                );
+
+                // update business date
+                updateBusinessDate("26 April 2024");
+
+                // disburse amount
+                disburseLoan(loanId, BigDecimal.valueOf(500), "26 April 2024");
+
+                // Verify Repayment Schedule and Due Dates
+                verifyRepaymentSchedule(loanId, //
+                        installment(500.0, null, "15 April 2024"), //
+                        installment(500.0, null, "26 April 2024"), //
+                        installment(250.52, 37.48, 0.0, 0.0, 288.0, false, "30 April 2024"), //
+                        installment(243.65, 44.35, 0.0, 0.0, 288.0, false, "15 May 2024"), //
+                        installment(258.07, 29.93, 0.0, 0.0, 288.0, false, "30 May 2024"), //
+                        installment(247.76, 14.66, 0.0, 0.0, 262.42, false, "14 June 2024") //
+                );
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(22.49, "Accrual", "24 April 2024", 0.0, 0.0, 22.49, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(500.0, "Disbursement", "26 April 2024", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0));
+
+            } finally {
+                GlobalConfigurationHelper.updateChargeAccrualDateConfiguration(this.requestSpec, this.responseSpec, "due-date");
+            }
+
+        });
+
+    }
+
+    @Test
+    public void accrualTransactionForInterestBearingLoan_WithCharges_SubmittedOnDateAsChargeAccrualDateWorksTest() {
+        runAt("15 April 2024", () -> {
+
+            try {
+                // Configure Charge accrual date as submitted on date
+                GlobalConfigurationHelper.updateChargeAccrualDateConfiguration(this.requestSpec, this.responseSpec, "submitted-date");
+
+                // Create Client
+                Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+                // Create Loan Product
+                PostLoanProductsRequest loanProductsRequest = createLoanProductWithInterestCalculation();
+                PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest);
+
+                // Apply and Approve Loan
+                Long loanId = applyAndApproveLoanApplication(clientId, loanProductResponse.getResourceId(), "15 April 2024", 1000.0, 4);
+
+                // Disburse Loan
+                disburseLoan(loanId, BigDecimal.valueOf(500), "15 April 2024");
+
+                // Verify Repayment Schedule and Due Dates
+                verifyRepaymentSchedule(loanId, //
+                        installment(500.0, null, "15 April 2024"), //
+                        installment(114.41, 29.59, 0.0, 0.0, 144.0, false, "30 April 2024"), //
+                        installment(121.18, 22.82, 0.0, 0.0, 144.0, false, "15 May 2024"), //
+                        installment(128.35, 15.65, 0.0, 0.0, 144.0, false, "30 May 2024"), //
+                        installment(136.06, 8.05, 0.0, 0.0, 144.11, false, "14 June 2024") //
+                );
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
+                );
+
+                // update business date
+                updateBusinessDate("24 April 2024");
+
+                // add charge
+                addCharge(loanId, false, 10.0, "29 April 2024");
+
+                // Verify Repayment Schedule and Due Dates
+                verifyRepaymentSchedule(loanId, //
+                        installment(500.0, null, "15 April 2024"), //
+                        installment(114.41, 29.59, 10.0, 0.0, 154.0, false, "30 April 2024"), //
+                        installment(121.18, 22.82, 0.0, 0.0, 144.0, false, "15 May 2024"), //
+                        installment(128.35, 15.65, 0.0, 0.0, 144.0, false, "30 May 2024"), //
+                        installment(136.06, 8.05, 0.0, 0.0, 144.11, false, "14 June 2024") //
+                );
+
+                // update business date
+                updateBusinessDate("25 April 2024");
+
+                // run cob
+                schedulerJobHelper.executeAndAwaitJob("Loan COB");
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(27.75, "Accrual", "24 April 2024", 0.0, 0.0, 17.75, 10.0, 0.0, 0.0, 0.0) //
+                );
+
+                // update business date
+                updateBusinessDate("26 April 2024");
+
+                // disburse amount
+                disburseLoan(loanId, BigDecimal.valueOf(500), "26 April 2024");
+
+                // Verify Repayment Schedule and Due Dates
+                verifyRepaymentSchedule(loanId, //
+                        installment(500.0, null, "15 April 2024"), //
+                        installment(500.0, null, "26 April 2024"), //
+                        installment(250.52, 37.48, 10.0, 0.0, 298.0, false, "30 April 2024"), //
+                        installment(243.65, 44.35, 0.0, 0.0, 288.0, false, "15 May 2024"), //
+                        installment(258.07, 29.93, 0.0, 0.0, 288.0, false, "30 May 2024"), //
+                        installment(247.76, 14.66, 0.0, 0.0, 262.42, false, "14 June 2024") //
+                );
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(32.49, "Accrual", "24 April 2024", 0.0, 0.0, 22.49, 10.0, 0.0, 0.0, 0.0), //
+                        transaction(500.0, "Disbursement", "26 April 2024", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0));
+
+                // run cob
+                schedulerJobHelper.executeAndAwaitJob("Loan COB");
+
+                verifyTransactions(loanId, //
+                        transaction(500.0, "Disbursement", "15 April 2024", 500.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(32.49, "Accrual", "24 April 2024", 0.0, 0.0, 22.49, 10.0, 0.0, 0.0, 0.0), //
+                        transaction(2.50, "Accrual", "25 April 2024", 0.0, 0.0, 2.50, 0.0, 0.0, 0.0, 0.0), //
+                        transaction(500.0, "Disbursement", "26 April 2024", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0));
+
+            } finally {
+                GlobalConfigurationHelper.updateChargeAccrualDateConfiguration(this.requestSpec, this.responseSpec, "due-date");
+            }
+
+        });
+
+    }
+
+    private Long applyAndApproveLoanApplication(Long clientId, Long productId, String disbursementDate, double amount,
+            int numberOfRepayments) {
+        PostLoansRequest postLoansRequest = new PostLoansRequest().clientId(clientId).productId(productId)
+                .expectedDisbursementDate(disbursementDate).dateFormat(DATETIME_PATTERN)
+                .transactionProcessingStrategyCode(DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY)
+                .locale("en").submittedOnDate(disbursementDate).amortizationType(AmortizationType.EQUAL_INSTALLMENTS)
+                .interestRatePerPeriod(new BigDecimal(12.0))
+                .interestCalculationPeriodType(InterestCalculationPeriodType.SAME_AS_REPAYMENT_PERIOD)
+                .interestType(InterestType.DECLINING_BALANCE).repaymentEvery(15).repaymentFrequencyType(RepaymentFrequencyType.DAYS)
+                .numberOfRepayments(numberOfRepayments).loanTermFrequency(numberOfRepayments * 15).loanTermFrequencyType(0)
+                .maxOutstandingLoanBalance(BigDecimal.valueOf(amount)).principal(BigDecimal.valueOf(amount)).loanType("individual");
+        PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(postLoansRequest);
+        PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                approveLoanRequest(amount, disbursementDate));
+        return approvedLoanResult.getLoanId();
+    }
+
+    private PostLoanProductsRequest createLoanProductWithInterestCalculation() {
+        return createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct().multiDisburseLoan(true)//
+                .disallowExpectedDisbursements(true)//
+                .allowApprovedDisbursedAmountsOverApplied(false)//
+                .overAppliedCalculationType(null)//
+                .overAppliedNumber(null)//
+                .principal(1000.0)//
+                .numberOfRepayments(4)//
+                .repaymentEvery(15)//
+                .repaymentFrequencyType(RepaymentFrequencyType.DAYS.longValue())//
+                .interestType(InterestType.DECLINING_BALANCE)//
+                .amortizationType(AmortizationType.EQUAL_INSTALLMENTS)//
+                .interestCalculationPeriodType(InterestCalculationPeriodType.SAME_AS_REPAYMENT_PERIOD)//
+                .interestRatePerPeriod(12.0) //
+                .interestRateFrequencyType(InterestRateFrequencyType.MONTHS)//
+                .isInterestRecalculationEnabled(true) //
+                .interestRecalculationCompoundingMethod(0).rescheduleStrategyMethod(3).recalculationRestFrequencyType(1)
+                .recalculationRestFrequencyInterval(1);
+    }
+}