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FINERACT-2232: add income capitalization principal handling and repayment schedule calculations on loans

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mark.vituska
2025-05-27 10:02:25 +02:00
committed by Adam Saghy
parent 07839951b9
commit e5329f6fe3
53 changed files with 1007 additions and 516 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
+39 -39
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@@ -188,12 +188,12 @@ Feature: Capitalized Income
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 100.0 |
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "2 January 2024" with 900.17 EUR transaction amount and system-generated Idempotency key
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "2 January 2024" with 1000.17 EUR transaction amount and system-generated Idempotency key
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 02 January 2024 | Repayment | 900.17 | 900.0 | 0.17 | 0.0 | 0.0 | 100.0 | false |
| 02 January 2024 | Repayment | 1000.17| 1000.0 | 0.17 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "02 January 2024" which has the following Journal entries:
@@ -222,12 +222,12 @@ Feature: Capitalized Income
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 100.0 |
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "2 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "2 January 2024" with 1100 EUR transaction amount and system-generated Idempotency key
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 02 January 2024 | Repayment | 1000.0 | 900.0 | 0.17 | 0.0 | 0.0 | 100.0 | false |
| 02 January 2024 | Repayment | 1100.0 | 1000.0 | 0.17 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "02 January 2024" which has the following Journal entries:
@@ -262,7 +262,7 @@ Feature: Capitalized Income
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 02 January 2024 | Close (as written-off) | 905.25 | 900.0 | 5.25 | 0.0 | 0.0 | 100.0 | false |
| 02 January 2024 | Close (as written-off) | 1005.81| 1000.0 | 5.81 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "02 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -555,16 +555,16 @@ Feature: Capitalized Income
And Admin does charge-off the loan with reason "DELINQUENT" on "03 February 2024"
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 900.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 900.0 | |
| INCOME | 404001 | Interest Income Charge Off | 4.0 | |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.58 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0| |
| INCOME | 404001 | Interest Income Charge Off | 4.58 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 03 February 2024 | Accrual | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 904.0 | 900.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 1004.58| 1000.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -597,16 +597,16 @@ Feature: Capitalized Income
And Admin does charge-off the loan on "03 February 2024"
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 900.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.0 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 900.0 | |
| INCOME | 404001 | Interest Income Charge Off | 4.0 | |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.58 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 1000.0| |
| INCOME | 404001 | Interest Income Charge Off | 4.58 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 03 February 2024 | Accrual | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 904.0 | 900.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 1004.58| 1000.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -639,16 +639,16 @@ Feature: Capitalized Income
And Admin does charge-off the loan with reason "DELINQUENT" on "03 February 2024"
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 900.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 900.0 | |
| INCOME | 404001 | Interest Income Charge Off | 4.0 | |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.58 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0| |
| INCOME | 404001 | Interest Income Charge Off | 4.58 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 03 February 2024 | Accrual | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 904.0 | 900.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 1004.58| 1000.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -681,16 +681,16 @@ Feature: Capitalized Income
And Admin does charge-off the loan with reason "DELINQUENT" on "03 February 2024"
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 900.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 900.0 | |
| INCOME | 404001 | Interest Income Charge Off | 4.0 | |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.58 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0| |
| INCOME | 404001 | Interest Income Charge Off | 4.58 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 03 February 2024 | Accrual | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 904.0 | 900.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 1004.58| 1000.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Capitalized Income Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Transactions tab has a "CAPITALIZED_INCOME_AMORTIZATION" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -700,20 +700,20 @@ Feature: Capitalized Income
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 900.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 900.0 | |
| INCOME | 404001 | Interest Income Charge Off | 4.0 | |
| ASSET | 112601 | Loans Receivable | 900.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 4.0 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 900.0 |
| INCOME | 404001 | Interest Income Charge Off | | 4.0 |
| ASSET | 112601 | Loans Receivable | | 1000.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 4.58 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0| |
| INCOME | 404001 | Interest Income Charge Off | 4.58 | |
| ASSET | 112601 | Loans Receivable | 1000.0| |
| ASSET | 112603 | Interest/Fee Receivable | 4.58 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 1000.0 |
| INCOME | 404001 | Interest Income Charge Off | | 4.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 03 February 2024 | Accrual | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 904.0 | 900.0 | 4.0 | 0.0 | 0.0 | 0.0 | true |
| 03 February 2024 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Charge-off | 1004.58| 1000.0 | 4.58 | 0.0 | 0.0 | 0.0 | true |
Then Reversed loan capitalized income amortization transaction has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |