FINERACT-1773: Allow 'specific due date charges' to be applied after the maturity date

2022-10-14 17:45:29 +02:00
parent 12e548ad82
commit b33e3ac892
7 changed files with 532 additions and 20 deletions
@@ -37,17 +37,20 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi

    @Override
    public LoanStatus dryTransition(final LoanEvent loanEvent, final Loan loan) {
-        return getNextState(loanEvent, loan);
+        LoanStatus nextStatus = getNextState(loanEvent, loan);
+        return nextStatus != null ? nextStatus : loan.status();
    }

    @Override
    public void transition(final LoanEvent loanEvent, final Loan loan) {
        LoanStatus newState = getNextState(loanEvent, loan);
-        loan.setLoanStatus(newState.getValue());
+        if (newState != null) {
+            loan.setLoanStatus(newState.getValue());

-        if (isNotLoanCreation(loanEvent)) {
-            // in case of Loan creation, a LoanCreatedBusinessEvent is also raised, no need to send a status change
-            businessEventNotifierService.notifyPostBusinessEvent(new LoanStatusChangedBusinessEvent(loan));
+            if (isNotLoanCreation(loanEvent)) {
+                // in case of Loan creation, a LoanCreatedBusinessEvent is also raised, no need to send a status change
+                businessEventNotifierService.notifyPostBusinessEvent(new LoanStatusChangedBusinessEvent(loan));
+            }
        }
    }

@@ -62,7 +65,7 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi
        }

        LoanStatus from = loan.status();
-        LoanStatus newState = from;
+        LoanStatus newState = null;

        switch (loanEvent) {
            case LOAN_REJECTED:
@@ -97,7 +100,7 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi
            break;
            case LOAN_CHARGE_PAYMENT:
            case LOAN_REPAYMENT_OR_WAIVER:
-                if (anyOfAllowedWhenComingFrom(from, LoanStatus.ACTIVE, LoanStatus.CLOSED_OBLIGATIONS_MET, LoanStatus.OVERPAID)) {
+                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_OBLIGATIONS_MET, LoanStatus.OVERPAID)) {
                    newState = activeTransition();
                }
            break;
@@ -116,11 +119,6 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi
                    newState = closedRescheduleOutstandingAmountTransition();
                }
            break;
-            case INTERST_REBATE_OWED:
-                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_OBLIGATIONS_MET)) {
-                    newState = closeObligationsMetTransition();
-                }
-            break;
            case LOAN_OVERPAYMENT:
                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_OBLIGATIONS_MET, LoanStatus.ACTIVE)) {
                    newState = overpaidTransition();
@@ -141,8 +139,6 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi
            case LOAN_WITHDRAW_TRANSFER:
                newState = activeTransition();
            break;
-            case LOAN_CLOSED:
-            break;
            case WRITE_OFF_OUTSTANDING_UNDO:
                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_WRITTEN_OFF)) {
                    newState = activeTransition();
@@ -151,6 +147,11 @@ public class DefaultLoanLifecycleStateMachine implements LoanLifecycleStateMachi
            case LOAN_CREDIT_BALANCE_REFUND:
                newState = closeObligationsMetTransition();
            break;
+            case LOAN_CHARGE_ADDED:
+                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_OBLIGATIONS_MET)) {
+                    newState = activeTransition();
+                }
+            break;
            case LOAN_CHARGEBACK:
                if (anyOfAllowedWhenComingFrom(from, LoanStatus.CLOSED_OBLIGATIONS_MET, LoanStatus.OVERPAID)) {
                    newState = activeTransition();
@@ -572,8 +572,6 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {

    public void addLoanCharge(final LoanCharge loanCharge) {

-        validateLoanIsNotClosed(loanCharge);
-
        if (isChargesAdditionAllowed() && loanCharge.isDueAtDisbursement()) {
            // Note: added this constraint to restrict adding disbursement
            // charges to a loan
@@ -596,7 +594,7 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
        loanCharge.update(this);

        final BigDecimal amount = calculateAmountPercentageAppliedTo(loanCharge);
-        BigDecimal chargeAmt = BigDecimal.ZERO;
+        BigDecimal chargeAmt;
        BigDecimal totalChargeAmt = BigDecimal.ZERO;
        if (loanCharge.getChargeCalculation().isPercentageBased()) {
            chargeAmt = loanCharge.getPercentage();
@@ -626,6 +624,7 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
        wrapper.reprocess(getCurrency(), getDisbursementDate(), getRepaymentScheduleInstallments(), charges());
        updateLoanSummaryDerivedFields();

+        loanLifecycleStateMachine.transition(LoanEvent.LOAN_CHARGE_ADDED, this);
    }

    public ChangedTransactionDetail reprocessTransactions() {
@@ -743,7 +742,7 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {

    private void validateChargeHasValidSpecifiedDateIfApplicable(final LoanCharge loanCharge, final LocalDate disbursementDate,
            final LocalDate lastRepaymentPeriodDueDate) {
-        if (loanCharge.isSpecifiedDueDate()
+        if (isInterestBearing() && loanCharge.isSpecifiedDueDate()
                && !loanCharge.isDueForCollectionFromAndUpToAndIncluding(disbursementDate, lastRepaymentPeriodDueDate)) {
            final String defaultUserMessage = "This charge with specified due date cannot be added as the it is not in schedule range.";
            throw new LoanChargeCannotBeAddedException("loanCharge", "specified.due.date.outside.range", defaultUserMessage,
@@ -5242,6 +5241,11 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
        return null;
    }

+    public boolean isInterestBearing() {
+        return getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()
+                && BigDecimal.ZERO.compareTo(getLoanRepaymentScheduleDetail().getAnnualNominalInterestRate()) < 0;
+    }
+
    public LocalDate getExpectedMaturityDate() {
        return this.expectedMaturityDate;
    }
@@ -49,5 +49,6 @@ public enum LoanEvent {
    LOAN_REJECT_TRANSFER, //
    LOAN_WITHDRAW_TRANSFER, //
    LOAN_CREDIT_BALANCE_REFUND, //
-    LOAN_CHARGEBACK;
+    LOAN_CHARGEBACK, //
+    LOAN_CHARGE_ADDED;
 }
@@ -142,7 +142,7 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
        }

        for (final LoanTransaction loanTransaction : transactionstoBeProcessed) {
-
+            // TODO: analyze and remove this
            if (!loanTransaction.getTypeOf().equals(LoanTransactionType.REFUND_FOR_ACTIVE_LOAN)) {
                final Comparator<LoanRepaymentScheduleInstallment> byDate = new Comparator<LoanRepaymentScheduleInstallment>() {

@@ -1773,6 +1773,22 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
            }
        }

+        if (!loan.isInterestBearing() && loanCharge.isSpecifiedDueDate() && loanCharge.getDueDate().isAfter(loan.getMaturityDate())) {
+            LoanRepaymentScheduleInstallment latestRepaymentScheduleInstalment = loan.getRepaymentScheduleInstallments()
+                    .get(loan.getLoanRepaymentScheduleInstallmentsSize() - 1);
+            if (loanCharge.getDueDate().isAfter(latestRepaymentScheduleInstalment.getDueDate())) {
+                if (latestRepaymentScheduleInstalment.isAdditional()) {
+                    latestRepaymentScheduleInstalment.updateDueDate(loanCharge.getDueDate());
+                } else {
+                    final LoanRepaymentScheduleInstallment installment = new LoanRepaymentScheduleInstallment(loan,
+                            (loan.getLoanRepaymentScheduleInstallmentsSize() + 1), latestRepaymentScheduleInstalment.getDueDate(),
+                            loanCharge.getDueDate(), BigDecimal.ZERO, BigDecimal.ZERO, BigDecimal.ZERO, BigDecimal.ZERO, false, null);
+                    installment.markAsAdditional();
+                    loan.addLoanRepaymentScheduleInstallment(installment);
+                }
+            }
+        }
+
        loan.addLoanCharge(loanCharge);

        this.loanChargeRepository.saveAndFlush(loanCharge);
@@ -0,0 +1,482 @@
+/**
+ * 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.junit.jupiter.api.Assertions.assertEquals;
+
+import io.restassured.builder.RequestSpecBuilder;
+import io.restassured.builder.ResponseSpecBuilder;
+import io.restassured.http.ContentType;
+import io.restassured.path.json.JsonPath;
+import io.restassured.specification.RequestSpecification;
+import io.restassured.specification.ResponseSpecification;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeFormatterBuilder;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.Utils;
+import org.apache.fineract.integrationtests.common.accounting.Account;
+import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
+import org.apache.fineract.integrationtests.common.accounting.PeriodicAccrualAccountingHelper;
+import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
+import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanStatusChecker;
+import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
+import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+
+@SuppressWarnings({ "unchecked" })
+public class LoanSpecificDueDateChargeAfterMaturityTest {
+
+    public static final String ACCOUNT_TYPE_INDIVIDUAL = "INDIVIDUAL";
+    public static final String MINIMUM_OPENING_BALANCE = "1000.0";
+    public static final String DEPOSIT_AMOUNT = "7000";
+    private static final Logger LOG = LoggerFactory.getLogger(LoanSpecificDueDateChargeAfterMaturityTest.class);
+    private static final String DATE_OF_JOINING = "01 January 2011";
+    private static final Float LP_PRINCIPAL = 10000.0f;
+    private static final String LP_REPAYMENTS = "1";
+    private static final String LP_REPAYMENT_PERIOD = "1";
+    private static final String EXPECTED_DISBURSAL_DATE = "04 March 2011";
+    private static final String LOAN_APPLICATION_SUBMISSION_DATE = "03 March 2011";
+    private static final String LOAN_TERM_FREQUENCY = "1";
+    private static final String INDIVIDUAL_LOAN = "individual";
+    private static RequestSpecification requestSpec;
+    private static ResponseSpecification responseSpec;
+    private LoanTransactionHelper loanTransactionHelper;
+    private AccountHelper accountHelper;
+    private PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper;
+    private DateTimeFormatter dateFormatter = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();
+
+    public static Integer createSavingsProduct(final String minOpenningBalance, final Account... accounts) {
+        LOG.info("------------------------------CREATING NEW SAVINGS PRODUCT ---------------------------------------");
+        final String savingsProductJSON = new SavingsProductHelper().withInterestCompoundingPeriodTypeAsDaily() //
+                .withInterestPostingPeriodTypeAsQuarterly() //
+                .withInterestCalculationPeriodTypeAsDailyBalance() //
+                .withMinimumOpenningBalance(minOpenningBalance).withAccountingRuleAsCashBased(accounts).build();
+        return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec);
+    }
+
+    @BeforeEach
+    public void setup() {
+        Utils.initializeRESTAssured();
+        requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
+        requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
+        requestSpec.header("Fineract-Platform-TenantId", "default");
+        responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
+
+        this.loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec);
+        this.accountHelper = new AccountHelper(requestSpec, responseSpec);
+        this.periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec, responseSpec);
+    }
+
+    @Test
+    public void onlyNonInterestBearingLoanCanAcceptChargeAfterMaturity() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingWithInterestRecalculationEnabled(assetAccount,
+                incomeAccount, expenseAccount, overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(requestSpec, responseSpec, DATE_OF_JOINING);
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, "1");
+
+        final float PENALTY_PORTION = 100.0f;
+
+        Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true));
+
+        HashMap<String, Object> loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        LocalDate targetDate = LocalDate.of(2011, 3, 4);
+        final String loanDisbursementDate = dateFormatter.format(targetDate);
+
+        String loanDetails = this.loanTransactionHelper.getLoanDetails(requestSpec, responseSpec, loanID);
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount(loanDisbursementDate, loanID,
+                JsonPath.from(loanDetails).get("netDisbursalAmount").toString());
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        targetDate = LocalDate.of(2011, 4, 5);
+        final String penaltyCharge1AddedDate = dateFormatter.format(targetDate);
+
+        final String ADD_CHARGES_URL = "/fineract-provider/api/v1/loans/" + loanID + "/charges?" + Utils.TENANT_IDENTIFIER;
+        ResponseSpecification response403Spec = new ResponseSpecBuilder().expectStatusCode(403).build();
+        final HashMap response = Utils.performServerPost(requestSpec, response403Spec, ADD_CHARGES_URL,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), penaltyCharge1AddedDate,
+                        String.valueOf(PENALTY_PORTION)),
+                "");
+        assertEquals("validation.msg.domain.rule.violation", response.get("userMessageGlobalisationCode"));
+
+    }
+
+    @Test
+    public void checkPeriodicAccrualAccountingAPIFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingNoInterest(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(requestSpec, responseSpec, DATE_OF_JOINING);
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, "0");
+
+        final float FEE_PORTION = 50.0f;
+        final float PENALTY_PORTION = 100.0f;
+        final float NEXT_FEE_PORTION = 55.0f;
+        final float NEXT_PENALTY_PORTION = 105.0f;
+
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false));
+        Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true));
+
+        Integer flatNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_FEE_PORTION), false));
+        Integer flatSpecifiedDueDateNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_PENALTY_PORTION), true));
+
+        HashMap<String, Object> loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        LocalDate targetDate = LocalDate.of(2011, 3, 4);
+        final String loanDisbursementDate = dateFormatter.format(targetDate);
+
+        String loanDetails = this.loanTransactionHelper.getLoanDetails(requestSpec, responseSpec, loanID);
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount(loanDisbursementDate, loanID,
+                JsonPath.from(loanDetails).get("netDisbursalAmount").toString());
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(2, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(1).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(1).get("feeChargesOutstanding"));
+        assertEquals(0, loanSchedule.get(1).get("penaltyChargesDue"));
+        assertEquals(0, loanSchedule.get(1).get("penaltyChargesOutstanding"));
+        assertEquals(10000.0f, loanSchedule.get(1).get("totalDueForPeriod"));
+        assertEquals(10000.0f, loanSchedule.get(1).get("totalOutstandingForPeriod"));
+        targetDate = LocalDate.of(2011, 4, 5);
+        final String penaltyCharge1AddedDate = dateFormatter.format(targetDate);
+        Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), penaltyCharge1AddedDate,
+                        String.valueOf(PENALTY_PORTION)));
+
+        this.loanTransactionHelper.noAccrualTransactionForRepayment(loanID);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 5), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        String runOnDateStr = penaltyCharge1AddedDate;
+        LocalDate runOnDate = targetDate;
+        this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOnDateStr);
+
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(runOnDate, 0.0f, 0.0f, PENALTY_PORTION, loanID);
+
+        targetDate = LocalDate.of(2011, 4, 6);
+        final String feeCharge1AddedDate = dateFormatter.format(targetDate);
+        Integer fee1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID, LoanTransactionHelper
+                .getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flat), feeCharge1AddedDate, String.valueOf(FEE_PORTION)));
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(FEE_PORTION, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(FEE_PORTION, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 6), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        targetDate = LocalDate.of(2011, 4, 7);
+        final String penaltyCharge2AddedDate = dateFormatter.format(targetDate);
+        Integer penalty2LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDateNext),
+                        penaltyCharge2AddedDate, String.valueOf(NEXT_PENALTY_PORTION)));
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(FEE_PORTION, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(FEE_PORTION, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 7), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        targetDate = LocalDate.of(2011, 4, 8);
+        final String feeCharge2AddedDate = dateFormatter.format(targetDate);
+        Integer fee2LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID, LoanTransactionHelper
+                .getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatNext), feeCharge2AddedDate, String.valueOf(NEXT_FEE_PORTION)));
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(FEE_PORTION + NEXT_FEE_PORTION, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(FEE_PORTION + NEXT_FEE_PORTION, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION + NEXT_PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION + NEXT_PENALTY_PORTION + NEXT_FEE_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION + FEE_PORTION + NEXT_PENALTY_PORTION + NEXT_FEE_PORTION,
+                loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 8), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        runOnDateStr = penaltyCharge2AddedDate;
+        runOnDate = LocalDate.of(2011, 4, 7);
+        this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOnDateStr);
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(runOnDate, 0.0f, FEE_PORTION, NEXT_PENALTY_PORTION, loanID);
+    }
+
+    @Test
+    public void reopenClosedLoan() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingNoInterest(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(requestSpec, responseSpec, DATE_OF_JOINING);
+
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID, "0");
+
+        final float FEE_PORTION = 50.0f;
+        final float PENALTY_PORTION = 100.0f;
+        final float NEXT_FEE_PORTION = 55.0f;
+        final float NEXT_PENALTY_PORTION = 105.0f;
+
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false));
+        Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true));
+
+        Integer flatNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_FEE_PORTION), false));
+        Integer flatSpecifiedDueDateNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_PENALTY_PORTION), true));
+
+        HashMap<String, Object> loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        LocalDate targetDate = LocalDate.of(2011, 3, 4);
+        final String loanDisbursementDate = dateFormatter.format(targetDate);
+
+        String loanDetails = this.loanTransactionHelper.getLoanDetails(requestSpec, responseSpec, loanID);
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount(loanDisbursementDate, loanID,
+                JsonPath.from(loanDetails).get("netDisbursalAmount").toString());
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(2, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(1).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(1).get("feeChargesOutstanding"));
+        assertEquals(0, loanSchedule.get(1).get("penaltyChargesDue"));
+        assertEquals(0, loanSchedule.get(1).get("penaltyChargesOutstanding"));
+        assertEquals(10000.0f, loanSchedule.get(1).get("totalDueForPeriod"));
+        assertEquals(10000.0f, loanSchedule.get(1).get("totalOutstandingForPeriod"));
+
+        targetDate = LocalDate.of(2011, 3, 10);
+        String repaymentDateStr = dateFormatter.format(targetDate);
+        loanTransactionHelper.makeRepayment(repaymentDateStr, 10000.0f, loanID);
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanAccountIsClosed(loanStatusHashMap);
+
+        targetDate = LocalDate.of(2011, 4, 13);
+        final String penaltyCharge1AddedDate = dateFormatter.format(targetDate);
+        Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), penaltyCharge1AddedDate,
+                        String.valueOf(PENALTY_PORTION)));
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 13), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        targetDate = LocalDate.of(2011, 4, 14);
+        String runOnDateStr = dateFormatter.format(targetDate);
+        this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOnDateStr);
+
+        // Transaction date will be the due date of the instalment (in case of N+1 scenario)
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(LocalDate.of(2011, 4, 13), 0.0f, 0.0f, PENALTY_PORTION, loanID);
+
+        loanTransactionHelper.waiveChargesForLoan(loanID, penalty1LoanChargeId,
+                LoanTransactionHelper.getWaiveChargeJSON(String.valueOf(2)));
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanAccountIsClosed(loanStatusHashMap);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(0.0f, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesWaived"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(0.0f, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalWaivedForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 13), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        targetDate = LocalDate.of(2011, 4, 14);
+        String penaltyCharge2AddedDate = dateFormatter.format(targetDate);
+        Integer penalty2LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), penaltyCharge2AddedDate,
+                        String.valueOf(PENALTY_PORTION)));
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesWaived"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalWaivedForPeriod"));
+        assertEquals(LocalDate.of(2011, 4, 14), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        targetDate = LocalDate.of(2011, 4, 15);
+        repaymentDateStr = dateFormatter.format(targetDate);
+        loanTransactionHelper.makeRepayment(repaymentDateStr, PENALTY_PORTION, loanID);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(0.0f, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesWaived"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesPaid"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(0.0f, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalWaivedForPeriod"));
+        // Might need to change if refund should update the due date of N+1 instalment
+        assertEquals(LocalDate.of(2011, 4, 14), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanAccountIsClosed(loanStatusHashMap);
+
+        loanTransactionHelper.loanChargeRefund(penalty2LoanChargeId, null, PENALTY_PORTION, null, loanID, "resourceId");
+
+        loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
+        LoanStatusChecker.verifyLoanAccountIsOverPaid(loanStatusHashMap);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(requestSpec, responseSpec, loanID);
+        assertEquals(3, loanSchedule.size());
+        assertEquals(0, loanSchedule.get(2).get("feeChargesDue"));
+        assertEquals(0, loanSchedule.get(2).get("feeChargesOutstanding"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesDue"));
+        assertEquals(0.0f, loanSchedule.get(2).get("penaltyChargesOutstanding"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesWaived"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("penaltyChargesPaid"));
+        assertEquals(PENALTY_PORTION + PENALTY_PORTION, loanSchedule.get(2).get("totalDueForPeriod"));
+        assertEquals(0.0f, loanSchedule.get(2).get("totalOutstandingForPeriod"));
+        assertEquals(PENALTY_PORTION, loanSchedule.get(2).get("totalWaivedForPeriod"));
+        // Might need to change if refund should update the due date of N+1 instalment
+        assertEquals(LocalDate.of(2011, 4, 14), LocalDate.of((int) ((List) loanSchedule.get(2).get("dueDate")).get(0),
+                (int) ((List) loanSchedule.get(2).get("dueDate")).get(1), (int) ((List) loanSchedule.get(2).get("dueDate")).get(2)));
+    }
+
+    private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID, String interestRate) {
+        LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
+        final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal(LP_PRINCIPAL.toString())
+                .withLoanTermFrequency(LOAN_TERM_FREQUENCY).withLoanTermFrequencyAsMonths().withNumberOfRepayments(LP_REPAYMENTS)
+                .withRepaymentEveryAfter(LP_REPAYMENT_PERIOD).withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod(interestRate)
+                .withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
+                .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate(EXPECTED_DISBURSAL_DATE)
+                .withSubmittedOnDate(LOAN_APPLICATION_SUBMISSION_DATE).withLoanType(INDIVIDUAL_LOAN)
+                .build(clientID.toString(), loanProductID.toString(), null);
+        return this.loanTransactionHelper.getLoanId(loanApplicationJSON);
+    }
+
+    private Integer createLoanProductWithPeriodicAccrualAccountingWithInterestRecalculationEnabled(final Account... accounts) {
+        LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("10000.0").withNumberOfRepayments("1")
+                .withinterestRatePerPeriod("1").withInterestRateFrequencyTypeAsYear().withInterestTypeAsDecliningBalance()
+                .withInterestCalculationPeriodTypeAsDays()
+                .withInterestRecalculationDetails(LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_NONE,
+                        LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_NUMBER_OF_INSTALLMENTS,
+                        LoanProductTestBuilder.INTEREST_APPLICABLE_STRATEGY_ON_PRE_CLOSE_DATE)
+                .withInterestRecalculationRestFrequencyDetails(LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY, "0", null, null)
+                .withInterestRecalculationCompoundingFrequencyDetails(null, null, null, null).withMoratorium("0", "0")
+                .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withAccountingRulePeriodicAccrual(accounts).build(null);
+        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    private Integer createLoanProductWithPeriodicAccrualAccountingNoInterest(final Account... accounts) {
+        LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth()
+                .withRepaymentAfterEvery(LP_REPAYMENT_PERIOD).withNumberOfRepayments(LP_REPAYMENTS).withRepaymentTypeAsMonth()
+                .withinterestRatePerPeriod("0").withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment()
+                .withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts).withDaysInMonth("30").withDaysInYear("365")
+                .withMoratorium("0", "0").build(null);
+        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+}
@@ -19,6 +19,7 @@
 package org.apache.fineract.integrationtests.common.loans;

 import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertFalse;
 import static org.junit.jupiter.api.Assertions.assertTrue;

 import com.google.gson.Gson;
@@ -951,7 +952,14 @@ public class LoanTransactionHelper {
            }
        }
        assertTrue(isTransactionFound, "No Accrual entries are posted");
+    }

+    public void noAccrualTransactionForRepayment(final Integer loanID) {
+        ArrayList<HashMap> transactions = (ArrayList<HashMap>) getLoanTransactions(this.requestSpec, this.responseSpec, loanID);
+        for (HashMap transaction : transactions) {
+            HashMap transactionType = (HashMap) transaction.get("type");
+            assertFalse((Boolean) transactionType.get("accrual"), "Accrual entries are posted!");
+        }
    }

    public HashMap makeRefundByCash(final String date, final Float amountToBeRefunded, final Integer loanID) {