FINERACT-1968-Advanced-Payment-Allocation-Charge-Off
This commit is contained in:
Ruchi Dhamankar
committed by
Arnold Gálovics
Arnold Gálovics
parent
06b56437b1
commit
d2fe39362c
+21
@@ -156,6 +156,7 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
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case REPAYMENT, MERCHANT_ISSUED_REFUND, PAYOUT_REFUND, GOODWILL_CREDIT, CHARGE_REFUND, CHARGE_ADJUSTMENT, DOWN_PAYMENT,
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case REPAYMENT, MERCHANT_ISSUED_REFUND, PAYOUT_REFUND, GOODWILL_CREDIT, CHARGE_REFUND, CHARGE_ADJUSTMENT, DOWN_PAYMENT,
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WAIVE_INTEREST, RECOVERY_REPAYMENT ->
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WAIVE_INTEREST, RECOVERY_REPAYMENT ->
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handleRepayment(loanTransaction, currency, installments, charges);
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handleRepayment(loanTransaction, currency, installments, charges);
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case CHARGE_OFF -> handleChargeOff(loanTransaction, currency, installments);
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// TODO: Cover rest of the transaction types
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// TODO: Cover rest of the transaction types
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default -> {
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default -> {
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log.warn("Unhandled transaction processing for transaction type: {}", loanTransaction.getTypeOf());
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log.warn("Unhandled transaction processing for transaction type: {}", loanTransaction.getTypeOf());
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@@ -363,6 +364,26 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
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}
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}
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}
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}
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private void handleChargeOff(LoanTransaction loanTransaction, MonetaryCurrency currency,
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List<LoanRepaymentScheduleInstallment> installments) {
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loanTransaction.resetDerivedComponents();
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// determine how much is outstanding total and breakdown for principal, interest and charges
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Money principalPortion = Money.zero(currency);
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Money interestPortion = Money.zero(currency);
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Money feeChargesPortion = Money.zero(currency);
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Money penaltychargesPortion = Money.zero(currency);
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for (final LoanRepaymentScheduleInstallment currentInstallment : installments) {
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if (currentInstallment.isNotFullyPaidOff()) {
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principalPortion = principalPortion.plus(currentInstallment.getPrincipalOutstanding(currency));
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interestPortion = interestPortion.plus(currentInstallment.getInterestOutstanding(currency));
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feeChargesPortion = feeChargesPortion.plus(currentInstallment.getFeeChargesOutstanding(currency));
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penaltychargesPortion = penaltychargesPortion.plus(currentInstallment.getPenaltyChargesCharged(currency));
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}
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}
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loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltychargesPortion);
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}
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@AllArgsConstructor
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@AllArgsConstructor
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@Getter
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@Getter
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@Setter
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@Setter
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+759
@@ -0,0 +1,759 @@
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/**
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* Licensed to the Apache Software Foundation (ASF) under one
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* or more contributor license agreements. See the NOTICE file
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* distributed with this work for additional information
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* regarding copyright ownership. The ASF licenses this file
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* to you under the Apache License, Version 2.0 (the
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* "License"); you may not use this file except in compliance
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* with the License. You may obtain a copy of the License at
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*
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* http://www.apache.org/licenses/LICENSE-2.0
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*
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* Unless required by applicable law or agreed to in writing,
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* software distributed under the License is distributed on an
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* "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
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* KIND, either express or implied. See the License for the
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* specific language governing permissions and limitations
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* under the License.
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*/
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package org.apache.fineract.integrationtests;
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import static org.junit.jupiter.api.Assertions.assertEquals;
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import static org.junit.jupiter.api.Assertions.assertFalse;
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import static org.junit.jupiter.api.Assertions.assertNotNull;
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import static org.junit.jupiter.api.Assertions.assertTrue;
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import io.restassured.builder.RequestSpecBuilder;
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import io.restassured.builder.ResponseSpecBuilder;
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import io.restassured.http.ContentType;
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import io.restassured.specification.RequestSpecification;
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import io.restassured.specification.ResponseSpecification;
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import java.time.LocalDate;
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import java.time.format.DateTimeFormatter;
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import java.time.format.DateTimeFormatterBuilder;
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import java.util.ArrayList;
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import java.util.Arrays;
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import java.util.HashMap;
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import java.util.List;
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import java.util.UUID;
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import java.util.concurrent.atomic.AtomicInteger;
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import org.apache.fineract.client.models.AdvancedPaymentData;
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import org.apache.fineract.client.models.AllowAttributeOverrides;
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import org.apache.fineract.client.models.ChargeData;
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import org.apache.fineract.client.models.ChargeToGLAccountMapper;
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import org.apache.fineract.client.models.GetJournalEntriesTransactionIdResponse;
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import org.apache.fineract.client.models.GetLoanFeeToIncomeAccountMappings;
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import org.apache.fineract.client.models.GetLoanPaymentChannelToFundSourceMappings;
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import org.apache.fineract.client.models.GetLoanTransactionRelation;
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import org.apache.fineract.client.models.GetLoansLoanIdResponse;
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import org.apache.fineract.client.models.GetLoansLoanIdTransactionsTransactionIdResponse;
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import org.apache.fineract.client.models.JournalEntryTransactionItem;
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import org.apache.fineract.client.models.PaymentAllocationOrder;
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import org.apache.fineract.client.models.PostLoanProductsRequest;
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import org.apache.fineract.client.models.PostLoanProductsResponse;
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import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
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import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
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import org.apache.fineract.client.models.PostPaymentTypesRequest;
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import org.apache.fineract.client.models.PostPaymentTypesResponse;
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import org.apache.fineract.integrationtests.common.ClientHelper;
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import org.apache.fineract.integrationtests.common.PaymentTypeHelper;
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import org.apache.fineract.integrationtests.common.Utils;
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import org.apache.fineract.integrationtests.common.accounting.Account;
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import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
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import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper;
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import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
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import org.apache.fineract.integrationtests.common.funds.FundsHelper;
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import org.apache.fineract.integrationtests.common.funds.FundsResourceHandler;
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import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
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import org.apache.fineract.integrationtests.common.loans.LoanProductHelper;
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import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
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import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
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import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
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import org.apache.fineract.integrationtests.common.system.CodeHelper;
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import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
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import org.junit.jupiter.api.Assertions;
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import org.junit.jupiter.api.BeforeEach;
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import org.junit.jupiter.api.Test;
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import org.junit.jupiter.api.extension.ExtendWith;
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@ExtendWith(LoanTestLifecycleExtension.class)
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public class LoanAccountChargeOffWithAdvancedPaymentAllocationTest {
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private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();
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private ResponseSpecification responseSpec;
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private RequestSpecification requestSpec;
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private ClientHelper clientHelper;
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private LoanTransactionHelper loanTransactionHelper;
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private JournalEntryHelper journalEntryHelper;
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private AccountHelper accountHelper;
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private LoanProductHelper loanProductHelper;
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private PaymentTypeHelper paymentTypeHelper;
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// asset
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private Account loansReceivable;
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private Account interestFeeReceivable;
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private Account suspenseAccount;
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private Account fundReceivables;
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// liability
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private Account suspenseClearingAccount;
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private Account overpaymentAccount;
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// income
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private Account interestIncome;
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private Account feeIncome;
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private Account feeChargeOff;
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private Account recoveries;
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private Account interestIncomeChargeOff;
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// expense
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private Account creditLossBadDebt;
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private Account creditLossBadDebtFraud;
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private Account writtenOff;
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private Account goodwillExpenseAccount;
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@BeforeEach
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public void setup() {
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Utils.initializeRESTAssured();
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this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
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this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
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this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
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this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
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this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
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this.loanProductHelper = new LoanProductHelper();
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this.paymentTypeHelper = new PaymentTypeHelper();
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// Asset
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this.loansReceivable = this.accountHelper.createAssetAccount();
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this.interestFeeReceivable = this.accountHelper.createAssetAccount();
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this.suspenseAccount = this.accountHelper.createAssetAccount();
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this.fundReceivables = this.accountHelper.createAssetAccount();
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// Liability
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this.suspenseClearingAccount = this.accountHelper.createLiabilityAccount();
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this.overpaymentAccount = this.accountHelper.createLiabilityAccount();
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// income
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this.interestIncome = this.accountHelper.createIncomeAccount();
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this.feeIncome = this.accountHelper.createIncomeAccount();
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this.feeChargeOff = this.accountHelper.createIncomeAccount();
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this.recoveries = this.accountHelper.createIncomeAccount();
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this.interestIncomeChargeOff = this.accountHelper.createIncomeAccount();
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// expense
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this.creditLossBadDebt = this.accountHelper.createExpenseAccount();
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this.creditLossBadDebtFraud = this.accountHelper.createExpenseAccount();
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this.writtenOff = this.accountHelper.createExpenseAccount();
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this.goodwillExpenseAccount = this.accountHelper.createExpenseAccount();
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this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
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this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
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}
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// Charge-off accounting and balances
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@Test
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public void loanChargeOffWithAdvancedPaymentStrategyTest() {
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String loanExternalIdStr = UUID.randomUUID().toString();
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final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
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final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
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final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
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// apply charges
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Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
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LocalDate targetDate = LocalDate.of(2022, 9, 5);
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final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
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// apply penalty
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Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
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final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
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// make Repayment
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final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
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new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
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.transactionAmount(10.0));
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GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
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assertTrue(loanDetails.getStatus().getActive());
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// set loan as chargeoff
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String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5);
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Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1);
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String transactionExternalId = UUID.randomUUID().toString();
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PostLoansLoanIdTransactionsResponse chargeOffTransaction = this.loanTransactionHelper.chargeOffLoan((long) loanId,
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new PostLoansLoanIdTransactionsRequest().transactionDate("10 September 2022").locale("en").dateFormat("dd MMMM yyyy")
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.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
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assertTrue(loanDetails.getStatus().getActive());
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assertTrue(loanDetails.getChargedOff());
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// verify amounts for charge-off transaction
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verifyTransaction(LocalDate.of(2022, 9, 10), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
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// verify journal entries
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GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
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.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
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assertNotNull(journalEntriesForChargeOff);
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List<JournalEntryTransactionItem> journalEntries = journalEntriesForChargeOff.getPageItems();
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assertEquals(4, journalEntries.size());
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verifyJournalEntry(journalEntries.get(3), 1000.0, LocalDate.of(2022, 9, 10), loansReceivable, "CREDIT");
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verifyJournalEntry(journalEntries.get(2), 10.0, LocalDate.of(2022, 9, 10), interestFeeReceivable, "CREDIT");
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verifyJournalEntry(journalEntries.get(1), 1000.0, LocalDate.of(2022, 9, 10), creditLossBadDebt, "DEBIT");
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verifyJournalEntry(journalEntries.get(0), 10.0, LocalDate.of(2022, 9, 10), feeChargeOff, "DEBIT");
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}
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// Reverse Replay of Charge-Off
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@Test
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public void loanChargeOffReverseReplayWithAdvancedPaymentStrategyTest() {
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String loanExternalIdStr = UUID.randomUUID().toString();
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final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
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final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
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final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
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// apply charges
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Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
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LocalDate targetDate = LocalDate.of(2022, 9, 5);
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final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
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// apply penalty
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Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
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final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
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// make Repayment
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final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
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new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
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.transactionAmount(10.0));
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GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
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assertTrue(loanDetails.getStatus().getActive());
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// set loan as chargeoff
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String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5);
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Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1);
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String transactionExternalId = UUID.randomUUID().toString();
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PostLoansLoanIdTransactionsResponse chargeOffTransaction = this.loanTransactionHelper.chargeOffLoan((long) loanId,
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new PostLoansLoanIdTransactionsRequest().transactionDate("10 September 2022").locale("en").dateFormat("dd MMMM yyyy")
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.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
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assertTrue(loanDetails.getStatus().getActive());
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assertTrue(loanDetails.getChargedOff());
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// verify amounts for charge-off transaction
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verifyTransaction(LocalDate.of(2022, 9, 10), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
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Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
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// reverse Repayment
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||||||
|
loanTransactionHelper.reverseRepayment(loanId, repaymentTransaction.getResourceId().intValue(), "11 September 2022");
|
||||||
|
|
||||||
|
// verify chargeOffTransaction gets reverse replayed
|
||||||
|
|
||||||
|
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
|
||||||
|
.getLoanTransactionDetails((long) loanId, transactionExternalId);
|
||||||
|
assertNotNull(getLoansTransactionResponse);
|
||||||
|
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
|
||||||
|
|
||||||
|
// test replayed relationship
|
||||||
|
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
|
||||||
|
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
|
||||||
|
assertEquals("REPLAYED", transactionRelation.getRelationType());
|
||||||
|
|
||||||
|
// verify amounts for charge-off transaction
|
||||||
|
verifyTransaction(LocalDate.of(2022, 9, 10), 1020.0f, 1000.0f, 0.0f, 10.0f, 10.0f, loanId, "chargeoff");
|
||||||
|
|
||||||
|
}
|
||||||
|
|
||||||
|
// undo Charge-Off
|
||||||
|
@Test
|
||||||
|
public void loanUndoChargeOffTest() {
|
||||||
|
// Loan ExternalId
|
||||||
|
String loanExternalIdStr = UUID.randomUUID().toString();
|
||||||
|
|
||||||
|
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
|
||||||
|
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
|
||||||
|
final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
|
||||||
|
|
||||||
|
// make Repayment
|
||||||
|
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("6 September 2022").locale("en")
|
||||||
|
.transactionAmount(100.0));
|
||||||
|
|
||||||
|
GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
|
||||||
|
// set loan as chargeoff
|
||||||
|
String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5);
|
||||||
|
Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1);
|
||||||
|
String transactionExternalId = UUID.randomUUID().toString();
|
||||||
|
loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("7 September 2022")
|
||||||
|
.locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
|
||||||
|
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
// undo charge-off
|
||||||
|
String reverseTransactionExternalId = UUID.randomUUID().toString();
|
||||||
|
PostLoansLoanIdTransactionsResponse undoChargeOffTxResponse = loanTransactionHelper.undoChargeOffLoan((long) loanId,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().reversalExternalId(reverseTransactionExternalId));
|
||||||
|
assertNotNull(undoChargeOffTxResponse);
|
||||||
|
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertFalse(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
GetLoansLoanIdTransactionsTransactionIdResponse chargeOffTransactionDetails = loanTransactionHelper
|
||||||
|
.getLoanTransactionDetails((long) loanId, transactionExternalId);
|
||||||
|
assertNotNull(chargeOffTransactionDetails);
|
||||||
|
assertTrue(chargeOffTransactionDetails.getManuallyReversed());
|
||||||
|
assertEquals(reverseTransactionExternalId, chargeOffTransactionDetails.getReversalExternalId());
|
||||||
|
}
|
||||||
|
|
||||||
|
// Backdated repayment transaction, Reverse replay of charge off
|
||||||
|
@Test
|
||||||
|
public void postChargeOffAddBackdatedTransactionAndReverseReplayTest() {
|
||||||
|
String loanExternalIdStr = UUID.randomUUID().toString();
|
||||||
|
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
|
||||||
|
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
|
||||||
|
final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
|
||||||
|
|
||||||
|
// apply charges
|
||||||
|
Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||||
|
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
|
||||||
|
|
||||||
|
LocalDate targetDate = LocalDate.of(2022, 9, 5);
|
||||||
|
final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
|
||||||
|
Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
|
||||||
|
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
|
||||||
|
|
||||||
|
// set loan as chargeoff
|
||||||
|
String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5);
|
||||||
|
Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1);
|
||||||
|
String transactionExternalId = UUID.randomUUID().toString();
|
||||||
|
PostLoansLoanIdTransactionsResponse chargeOffTransaction = loanTransactionHelper.chargeOffLoan((long) loanId,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().transactionDate("14 September 2022").locale("en").dateFormat("dd MMMM yyyy")
|
||||||
|
.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
|
||||||
|
|
||||||
|
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
|
||||||
|
|
||||||
|
// verify Journal Entries For ChargeOff Transaction
|
||||||
|
GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
|
||||||
|
.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
|
||||||
|
|
||||||
|
assertNotNull(journalEntriesForChargeOff);
|
||||||
|
List<JournalEntryTransactionItem> journalEntries = journalEntriesForChargeOff.getPageItems();
|
||||||
|
assertEquals(4, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(3), 1000.0, LocalDate.of(2022, 9, 14), loansReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(2), 10.0, LocalDate.of(2022, 9, 14), interestFeeReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 1000.0, LocalDate.of(2022, 9, 14), creditLossBadDebt, "DEBIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 10.0, LocalDate.of(2022, 9, 14), feeChargeOff, "DEBIT");
|
||||||
|
|
||||||
|
// make Repayment before chargeoff date
|
||||||
|
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en")
|
||||||
|
.transactionAmount(100.0));
|
||||||
|
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
// verify Journal Entries for Repayment transaction
|
||||||
|
|
||||||
|
GetJournalEntriesTransactionIdResponse journalEntriesForRepayment = journalEntryHelper
|
||||||
|
.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
|
||||||
|
assertNotNull(journalEntriesForRepayment);
|
||||||
|
|
||||||
|
journalEntries = journalEntriesForRepayment.getPageItems();
|
||||||
|
assertEquals(3, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
|
||||||
|
|
||||||
|
// verify reverse replay of Charge-Off
|
||||||
|
|
||||||
|
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
|
||||||
|
.getLoanTransactionDetails((long) loanId, transactionExternalId);
|
||||||
|
assertNotNull(getLoansTransactionResponse);
|
||||||
|
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
|
||||||
|
|
||||||
|
// test replayed relationship
|
||||||
|
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
|
||||||
|
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
|
||||||
|
assertEquals("REPLAYED", transactionRelation.getRelationType());
|
||||||
|
|
||||||
|
// verify amounts for charge-off transaction
|
||||||
|
verifyTransaction(LocalDate.of(2022, 9, 14), 910.0f, 910.0f, 0.0f, 0.0f, 0.0f, loanId, "chargeoff");
|
||||||
|
|
||||||
|
// make Repayment after chargeoff date
|
||||||
|
final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("15 September 2022").locale("en")
|
||||||
|
.transactionAmount(100.0));
|
||||||
|
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
// verify Journal Entries for Repayment transaction
|
||||||
|
journalEntriesForRepayment = journalEntryHelper.getJournalEntries("L" + repaymentTransaction_1.getResourceId().toString());
|
||||||
|
|
||||||
|
assertNotNull(journalEntriesForRepayment);
|
||||||
|
|
||||||
|
journalEntries = journalEntriesForRepayment.getPageItems();
|
||||||
|
assertEquals(2, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 100.0, LocalDate.of(2022, 9, 15), recoveries, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 15), suspenseClearingAccount, "DEBIT");
|
||||||
|
}
|
||||||
|
|
||||||
|
// Repayment before charge off on charge off date, reverse replay of charge off
|
||||||
|
@Test
|
||||||
|
public void transactionOnChargeOffDateReverseTest() {
|
||||||
|
String loanExternalIdStr = UUID.randomUUID().toString();
|
||||||
|
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
|
||||||
|
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
|
||||||
|
final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
|
||||||
|
|
||||||
|
// apply charges
|
||||||
|
Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||||
|
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
|
||||||
|
|
||||||
|
LocalDate targetDate = LocalDate.of(2022, 9, 5);
|
||||||
|
final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
|
||||||
|
Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
|
||||||
|
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
|
||||||
|
|
||||||
|
// make Repayment before charge-off on charge off date
|
||||||
|
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en")
|
||||||
|
.transactionAmount(100.0));
|
||||||
|
|
||||||
|
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
|
||||||
|
// verify Journal Entries for Repayment transaction
|
||||||
|
GetJournalEntriesTransactionIdResponse journalEntriesForRepayment = journalEntryHelper
|
||||||
|
.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
|
||||||
|
|
||||||
|
assertNotNull(journalEntriesForRepayment);
|
||||||
|
|
||||||
|
List<JournalEntryTransactionItem> journalEntries = journalEntriesForRepayment.getPageItems();
|
||||||
|
assertEquals(3, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
|
||||||
|
|
||||||
|
// set loan as chargeoff
|
||||||
|
String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5);
|
||||||
|
Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1);
|
||||||
|
String transactionExternalId = UUID.randomUUID().toString();
|
||||||
|
PostLoansLoanIdTransactionsResponse chargeOffTransaction = loanTransactionHelper.chargeOffLoan((long) loanId,
|
||||||
|
new PostLoansLoanIdTransactionsRequest().transactionDate("7 September 2022").locale("en").dateFormat("dd MMMM yyyy")
|
||||||
|
.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
|
||||||
|
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
|
||||||
|
|
||||||
|
// verify Journal Entries For ChargeOff Transaction
|
||||||
|
GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
|
||||||
|
.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
|
||||||
|
|
||||||
|
assertNotNull(journalEntriesForChargeOff);
|
||||||
|
journalEntries = journalEntriesForChargeOff.getPageItems();
|
||||||
|
assertEquals(2, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 910.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 910.0, LocalDate.of(2022, 9, 7), creditLossBadDebt, "DEBIT");
|
||||||
|
|
||||||
|
// reverse Repayment
|
||||||
|
loanTransactionHelper.reverseRepayment(loanId, repaymentTransaction.getResourceId().intValue(), "7 September 2022");
|
||||||
|
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
|
||||||
|
assertTrue(loanDetails.getStatus().getActive());
|
||||||
|
assertTrue(loanDetails.getChargedOff());
|
||||||
|
|
||||||
|
// verify Journal Entries for Reversed Repayment transaction
|
||||||
|
journalEntriesForRepayment = journalEntryHelper.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
|
||||||
|
assertNotNull(journalEntriesForRepayment);
|
||||||
|
|
||||||
|
journalEntries = journalEntriesForRepayment.getPageItems();
|
||||||
|
assertEquals(6, journalEntries.size());
|
||||||
|
|
||||||
|
verifyJournalEntry(journalEntries.get(5), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(4), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(3), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "DEBIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "DEBIT");
|
||||||
|
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "CREDIT");
|
||||||
|
|
||||||
|
// verify reverse replay of Charge-Off
|
||||||
|
|
||||||
|
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
|
||||||
|
.getLoanTransactionDetails((long) loanId, transactionExternalId);
|
||||||
|
assertNotNull(getLoansTransactionResponse);
|
||||||
|
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
|
||||||
|
|
||||||
|
// test replayed relationship
|
||||||
|
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
|
||||||
|
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
|
||||||
|
assertEquals("REPLAYED", transactionRelation.getRelationType());
|
||||||
|
|
||||||
|
// verify amounts for charge-off transaction
|
||||||
|
verifyTransaction(LocalDate.of(2022, 9, 7), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
|
||||||
|
|
||||||
|
}
|
||||||
|
|
||||||
|
private void verifyJournalEntry(JournalEntryTransactionItem journalEntryTransactionItem, Double amount, LocalDate entryDate,
|
||||||
|
Account account, String type) {
|
||||||
|
assertEquals(amount, journalEntryTransactionItem.getAmount());
|
||||||
|
assertEquals(entryDate, journalEntryTransactionItem.getTransactionDate());
|
||||||
|
assertEquals(account.getAccountID().longValue(), journalEntryTransactionItem.getGlAccountId().longValue());
|
||||||
|
assertEquals(type, journalEntryTransactionItem.getEntryType().getValue());
|
||||||
|
}
|
||||||
|
|
||||||
|
private void verifyTransaction(final LocalDate transactionDate, final Float transactionAmount, final Float principalPortion,
|
||||||
|
final Float interestPortion, final Float feePortion, final Float penaltyPortion, final Integer loanID,
|
||||||
|
final String transactionOfType) {
|
||||||
|
ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec,
|
||||||
|
this.responseSpec, loanID);
|
||||||
|
boolean isTransactionFound = false;
|
||||||
|
for (int i = 0; i < transactions.size(); i++) {
|
||||||
|
HashMap transactionType = (HashMap) transactions.get(i).get("type");
|
||||||
|
boolean isTransaction = (Boolean) transactionType.get(transactionOfType);
|
||||||
|
|
||||||
|
if (isTransaction) {
|
||||||
|
ArrayList<Integer> transactionDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
|
||||||
|
LocalDate transactionEntryDate = LocalDate.of(transactionDateAsArray.get(0), transactionDateAsArray.get(1),
|
||||||
|
transactionDateAsArray.get(2));
|
||||||
|
|
||||||
|
if (transactionDate.isEqual(transactionEntryDate)) {
|
||||||
|
isTransactionFound = true;
|
||||||
|
assertEquals(transactionAmount, Float.valueOf(String.valueOf(transactions.get(i).get("amount"))),
|
||||||
|
"Mismatch in transaction amounts");
|
||||||
|
assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
|
||||||
|
"Mismatch in transaction amounts");
|
||||||
|
assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
|
||||||
|
"Mismatch in transaction amounts");
|
||||||
|
assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
|
||||||
|
"Mismatch in transaction amounts");
|
||||||
|
assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
|
||||||
|
"Mismatch in transaction amounts");
|
||||||
|
break;
|
||||||
|
}
|
||||||
|
}
|
||||||
|
}
|
||||||
|
assertTrue(isTransactionFound, "No Transaction entries are posted");
|
||||||
|
}
|
||||||
|
|
||||||
|
private Integer createLoanAccount(final Integer clientID, final Integer loanProductID, final String externalId) {
|
||||||
|
|
||||||
|
String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
|
||||||
|
.withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
|
||||||
|
.withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
|
||||||
|
.withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 September 2022")
|
||||||
|
.withSubmittedOnDate("01 September 2022").withLoanType("individual").withExternalId(externalId)
|
||||||
|
.withRepaymentStrategy("advanced-payment-allocation-strategy").build(clientID.toString(), loanProductID.toString(), null);
|
||||||
|
|
||||||
|
final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
|
||||||
|
loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null);
|
||||||
|
loanTransactionHelper.disburseLoanWithTransactionAmount("03 September 2022", loanId, "1000");
|
||||||
|
return loanId;
|
||||||
|
}
|
||||||
|
|
||||||
|
private Integer createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy() {
|
||||||
|
|
||||||
|
String name = Utils.uniqueRandomStringGenerator("LOAN_PRODUCT_", 6);
|
||||||
|
String shortName = Utils.uniqueRandomStringGenerator("", 4);
|
||||||
|
|
||||||
|
List<Integer> principalVariationsForBorrowerCycle = new ArrayList<>();
|
||||||
|
List<Integer> numberOfRepaymentVariationsForBorrowerCycle = new ArrayList<>();
|
||||||
|
List<Integer> interestRateVariationsForBorrowerCycle = new ArrayList<>();
|
||||||
|
List<ChargeData> charges = new ArrayList<>();
|
||||||
|
List<ChargeToGLAccountMapper> penaltyToIncomeAccountMappings = new ArrayList<>();
|
||||||
|
List<GetLoanFeeToIncomeAccountMappings> feeToIncomeAccountMappings = new ArrayList<>();
|
||||||
|
|
||||||
|
String paymentTypeName = PaymentTypeHelper.randomNameGenerator("P_T", 5);
|
||||||
|
String description = PaymentTypeHelper.randomNameGenerator("PT_Desc", 15);
|
||||||
|
Boolean isCashPayment = false;
|
||||||
|
Integer position = 1;
|
||||||
|
|
||||||
|
PostPaymentTypesResponse paymentTypesResponse = paymentTypeHelper.createPaymentType(new PostPaymentTypesRequest()
|
||||||
|
.name(paymentTypeName).description(description).isCashPayment(isCashPayment).position(position));
|
||||||
|
Long paymentTypeIdOne = paymentTypesResponse.getResourceId();
|
||||||
|
Assertions.assertNotNull(paymentTypeIdOne);
|
||||||
|
|
||||||
|
List<GetLoanPaymentChannelToFundSourceMappings> paymentChannelToFundSourceMappings = new ArrayList<>();
|
||||||
|
GetLoanPaymentChannelToFundSourceMappings loanPaymentChannelToFundSourceMappings = new GetLoanPaymentChannelToFundSourceMappings();
|
||||||
|
loanPaymentChannelToFundSourceMappings.fundSourceAccountId(fundReceivables.getAccountID().longValue());
|
||||||
|
loanPaymentChannelToFundSourceMappings.paymentTypeId(paymentTypeIdOne.longValue());
|
||||||
|
paymentChannelToFundSourceMappings.add(loanPaymentChannelToFundSourceMappings);
|
||||||
|
|
||||||
|
// fund
|
||||||
|
FundsHelper fh = FundsHelper.create(Utils.uniqueRandomStringGenerator("", 10)).externalId(UUID.randomUUID().toString()).build();
|
||||||
|
String jsonData = fh.toJSON();
|
||||||
|
|
||||||
|
final Long fundID = createFund(jsonData, this.requestSpec, this.responseSpec);
|
||||||
|
Assertions.assertNotNull(fundID);
|
||||||
|
|
||||||
|
// Delinquency Bucket
|
||||||
|
final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
|
||||||
|
|
||||||
|
String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
|
||||||
|
AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);
|
||||||
|
|
||||||
|
PostLoanProductsRequest loanProductsRequest = new PostLoanProductsRequest().name(name)//
|
||||||
|
.shortName(shortName)//
|
||||||
|
.description("Loan Product Description")//
|
||||||
|
.fundId(fundID)//
|
||||||
|
.startDate(null)//
|
||||||
|
.closeDate(null)//
|
||||||
|
.includeInBorrowerCycle(false)//
|
||||||
|
.currencyCode("USD")//
|
||||||
|
.digitsAfterDecimal(2)//
|
||||||
|
.inMultiplesOf(0)//
|
||||||
|
.installmentAmountInMultiplesOf(1)//
|
||||||
|
.useBorrowerCycle(false)//
|
||||||
|
.minPrincipal(100.0)//
|
||||||
|
.principal(1000.0)//
|
||||||
|
.maxPrincipal(10000.0)//
|
||||||
|
.minNumberOfRepayments(1)//
|
||||||
|
.numberOfRepayments(1)//
|
||||||
|
.maxNumberOfRepayments(30)//
|
||||||
|
.isLinkedToFloatingInterestRates(false)//
|
||||||
|
.minInterestRatePerPeriod((double) 0)//
|
||||||
|
.interestRatePerPeriod((double) 0)//
|
||||||
|
.maxInterestRatePerPeriod((double) 0)//
|
||||||
|
.interestRateFrequencyType(2)//
|
||||||
|
.repaymentEvery(30)//
|
||||||
|
.repaymentFrequencyType(0)//
|
||||||
|
.principalVariationsForBorrowerCycle(principalVariationsForBorrowerCycle)//
|
||||||
|
.numberOfRepaymentVariationsForBorrowerCycle(numberOfRepaymentVariationsForBorrowerCycle)//
|
||||||
|
.interestRateVariationsForBorrowerCycle(interestRateVariationsForBorrowerCycle)//
|
||||||
|
.amortizationType(1)//
|
||||||
|
.interestType(0)//
|
||||||
|
.isEqualAmortization(false)//
|
||||||
|
.interestCalculationPeriodType(1)//
|
||||||
|
.transactionProcessingStrategyCode("advanced-payment-allocation-strategy")//
|
||||||
|
.addPaymentAllocationItem(defaultAllocation)//
|
||||||
|
.daysInYearType(1)//
|
||||||
|
.daysInMonthType(1)//
|
||||||
|
.canDefineInstallmentAmount(true)//
|
||||||
|
.graceOnArrearsAgeing(3)//
|
||||||
|
.overdueDaysForNPA(179)//
|
||||||
|
.accountMovesOutOfNPAOnlyOnArrearsCompletion(false)//
|
||||||
|
.principalThresholdForLastInstallment(50)//
|
||||||
|
.allowVariableInstallments(false)//
|
||||||
|
.canUseForTopup(false)//
|
||||||
|
.isInterestRecalculationEnabled(false)//
|
||||||
|
.holdGuaranteeFunds(false)//
|
||||||
|
.multiDisburseLoan(true)//
|
||||||
|
.allowAttributeOverrides(new AllowAttributeOverrides()//
|
||||||
|
.amortizationType(true)//
|
||||||
|
.interestType(true)//
|
||||||
|
.transactionProcessingStrategyCode(true)//
|
||||||
|
.interestCalculationPeriodType(true)//
|
||||||
|
.inArrearsTolerance(true)//
|
||||||
|
.repaymentEvery(true)//
|
||||||
|
.graceOnPrincipalAndInterestPayment(true)//
|
||||||
|
.graceOnArrearsAgeing(true))//
|
||||||
|
.allowPartialPeriodInterestCalcualtion(true)//
|
||||||
|
.maxTrancheCount(10)//
|
||||||
|
.outstandingLoanBalance(10000.0)//
|
||||||
|
.charges(charges)//
|
||||||
|
.accountingRule(3)//
|
||||||
|
.fundSourceAccountId(suspenseClearingAccount.getAccountID().longValue())//
|
||||||
|
.loanPortfolioAccountId(loansReceivable.getAccountID().longValue())//
|
||||||
|
.transfersInSuspenseAccountId(suspenseAccount.getAccountID().longValue())//
|
||||||
|
.interestOnLoanAccountId(interestIncome.getAccountID().longValue())//
|
||||||
|
.incomeFromFeeAccountId(feeIncome.getAccountID().longValue())//
|
||||||
|
.incomeFromPenaltyAccountId(feeIncome.getAccountID().longValue())//
|
||||||
|
.incomeFromRecoveryAccountId(recoveries.getAccountID().longValue())//
|
||||||
|
.writeOffAccountId(writtenOff.getAccountID().longValue())//
|
||||||
|
.overpaymentLiabilityAccountId(overpaymentAccount.getAccountID().longValue())//
|
||||||
|
.receivableInterestAccountId(interestFeeReceivable.getAccountID().longValue())//
|
||||||
|
.receivableFeeAccountId(interestFeeReceivable.getAccountID().longValue())//
|
||||||
|
.receivablePenaltyAccountId(interestFeeReceivable.getAccountID().longValue())//
|
||||||
|
.dateFormat("dd MMMM yyyy")//
|
||||||
|
.locale("en_GB")//
|
||||||
|
.disallowExpectedDisbursements(true)//
|
||||||
|
.allowApprovedDisbursedAmountsOverApplied(true)//
|
||||||
|
.overAppliedCalculationType("percentage")//
|
||||||
|
.overAppliedNumber(50)//
|
||||||
|
.delinquencyBucketId(delinquencyBucketId.longValue())//
|
||||||
|
.goodwillCreditAccountId(goodwillExpenseAccount.getAccountID().longValue())//
|
||||||
|
.incomeFromGoodwillCreditInterestAccountId(interestIncomeChargeOff.getAccountID().longValue())//
|
||||||
|
.incomeFromGoodwillCreditFeesAccountId(feeChargeOff.getAccountID().longValue())//
|
||||||
|
.incomeFromGoodwillCreditPenaltyAccountId(feeChargeOff.getAccountID().longValue())//
|
||||||
|
.paymentChannelToFundSourceMappings(paymentChannelToFundSourceMappings)//
|
||||||
|
.penaltyToIncomeAccountMappings(penaltyToIncomeAccountMappings)//
|
||||||
|
.feeToIncomeAccountMappings(feeToIncomeAccountMappings)//
|
||||||
|
.incomeFromChargeOffInterestAccountId(interestIncomeChargeOff.getAccountID().longValue())//
|
||||||
|
.incomeFromChargeOffFeesAccountId(feeChargeOff.getAccountID().longValue())//
|
||||||
|
.chargeOffExpenseAccountId(creditLossBadDebt.getAccountID().longValue())//
|
||||||
|
.chargeOffFraudExpenseAccountId(creditLossBadDebtFraud.getAccountID().longValue())//
|
||||||
|
.incomeFromChargeOffPenaltyAccountId(feeChargeOff.getAccountID().longValue());//
|
||||||
|
|
||||||
|
PostLoanProductsResponse loanProductCreateResponse = loanProductHelper.createLoanProduct(loanProductsRequest);
|
||||||
|
return loanProductCreateResponse.getResourceId().intValue();
|
||||||
|
}
|
||||||
|
|
||||||
|
private Long createFund(final String fundJSON, final RequestSpecification requestSpec, final ResponseSpecification responseSpec) {
|
||||||
|
String fundId = String.valueOf(FundsResourceHandler.createFund(fundJSON, requestSpec, responseSpec));
|
||||||
|
if (fundId.equals("null")) {
|
||||||
|
// Invalid JSON data parameters
|
||||||
|
return null;
|
||||||
|
}
|
||||||
|
|
||||||
|
return Long.valueOf(fundId);
|
||||||
|
}
|
||||||
|
|
||||||
|
private AdvancedPaymentData createDefaultPaymentAllocation(String futureInstallmentAllocationRule) {
|
||||||
|
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
|
||||||
|
advancedPaymentData.setTransactionType("DEFAULT");
|
||||||
|
advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule);
|
||||||
|
|
||||||
|
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
|
||||||
|
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
|
||||||
|
PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
|
||||||
|
PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
|
||||||
|
PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);
|
||||||
|
|
||||||
|
advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
|
||||||
|
return advancedPaymentData;
|
||||||
|
}
|
||||||
|
|
||||||
|
private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
|
||||||
|
AtomicInteger integer = new AtomicInteger(1);
|
||||||
|
return Arrays.stream(paymentAllocationTypes).map(pat -> {
|
||||||
|
PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
|
||||||
|
paymentAllocationOrder.setPaymentAllocationRule(pat.name());
|
||||||
|
paymentAllocationOrder.setOrder(integer.getAndIncrement());
|
||||||
|
return paymentAllocationOrder;
|
||||||
|
}).toList();
|
||||||
|
}
|
||||||
|
}
|
||||||
Reference in New Issue
Block a user