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FINERACT-2356: Fix incorrect accounting during write-off in case the loan was already charged-off

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mariiaKraievska
2025-09-01 13:43:43 +02:00
committed by Adam Saghy
parent 567e1c9800
commit b9564f806b
3 changed files with 304 additions and 89 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanWriteOff.feature
+60 -4
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@@ -60,8 +60,64 @@
| Close (as written-off) | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Admin fails to undo "1"th transaction made on "29 January 2023"
@TestRailId:C4006
Scenario: Verify accounting during Write-off when loan was already charged-off
When Admin sets the business date to "1 January 2023"
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 |
| LP1_INTEREST_FLAT | 1 January 2023 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
And Admin adds an NSF fee because of payment bounce with "1 January 2023" transaction date
When Admin sets the business date to "22 February 2023"
And Admin adds a 10 % Processing charge to the loan with "en" locale on date: "22 February 2023"
And Admin does charge-off the loan on "22 February 2023"
Then Loan marked as charged-off on "22 February 2023"
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "22 February 2023" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 143.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0 | |
| INCOME | 404001 | Interest Income Charge Off | 30.0 | |
| INCOME | 404008 | Fee Charge Off | 113.0 | |
When Admin sets the business date to "1 March 2023"
And Admin does write-off the loan on "1 March 2023"
Then Loan status will be "CLOSED_WRITTEN_OFF"
Then Loan Transactions tab has a "WRITE_OFF" transaction with date "01 March 2023" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 1000.0 |
| INCOME | 404001 | Interest Income Charge Off | | 30.0 |
| INCOME | 404008 | Fee Charge Off | | 113.0 |
| EXPENSE | e4 | Written off | 1143.0 | |
@TestRailId:C4007
Scenario: Verify accounting during Write-off when loan was not charged-off before
When Admin sets the business date to "1 January 2023"
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 |
| LP1_INTEREST_FLAT | 1 January 2023 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
And Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
And Admin adds an NSF fee because of payment bounce with "1 January 2023" transaction date
When Admin sets the business date to "22 February 2023"
And Admin adds a 10 % Processing charge to the loan with "en" locale on date: "22 February 2023"
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 1000.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
When Admin sets the business date to "1 March 2023"
And Admin does write-off the loan on "1 March 2023"
Then Loan status will be "CLOSED_WRITTEN_OFF"
Then Loan Transactions tab has a "WRITE_OFF" transaction with date "01 March 2023" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 143.0 |
| EXPENSE | e4 | Written off | 1143.0 | |