FINERACT-2232: Capitalized income - Daily amortization

2025-05-14 12:17:19 +02:00
parent e69378637d
commit ed4fba3ace
4 changed files with 224 additions and 2 deletions
@@ -0,0 +1,112 @@
+/**
+ * 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.cob.loan;
+
+import jakarta.transaction.Transactional;
+import java.math.BigDecimal;
+import java.math.MathContext;
+import java.time.LocalDate;
+import java.time.temporal.ChronoUnit;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.accounting.journalentry.service.JournalEntryWritePlatformService;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
+import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanCapitalizedIncomeAmortizationTransactionCreatedBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
+import org.apache.fineract.portfolio.loanaccount.data.AccountingBridgeDataDTO;
+import org.apache.fineract.portfolio.loanaccount.data.AccountingBridgeLoanTransactionDTO;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanCapitalizedIncomeBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
+import org.apache.fineract.portfolio.loanaccount.mapper.LoanAccountingBridgeMapper;
+import org.apache.fineract.portfolio.loanaccount.repository.LoanCapitalizedIncomeBalanceRepository;
+import org.apache.fineract.portfolio.loanaccount.util.CapitalizedIncomeAmortizationUtil;
+import org.springframework.stereotype.Component;
+
+@Component
+@RequiredArgsConstructor
+@Slf4j
+public class CapitalizedIncomeAmortizationBusinessStep implements LoanCOBBusinessStep {
+
+    private final LoanCapitalizedIncomeBalanceRepository capitalizedIncomeBalanceRepository;
+    private final BusinessEventNotifierService businessEventNotifierService;
+    private final JournalEntryWritePlatformService journalEntryWritePlatformService;
+    private final LoanAccountingBridgeMapper loanAccountingBridgeMapper;
+    private final LoanTransactionRepository loanTransactionRepository;
+    private final ExternalIdFactory externalIdFactory;
+
+    @Transactional
+    @Override
+    public Loan execute(Loan loan) {
+        MathContext mc = MoneyHelper.getMathContext();
+        LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        List<LoanCapitalizedIncomeBalance> balances = capitalizedIncomeBalanceRepository.findAllByLoanId(loan.getId());
+
+        BigDecimal totalAmortizationAmount = BigDecimal.ZERO;
+        for (LoanCapitalizedIncomeBalance balance : balances) {
+            long daysUntilMaturity = businessDate.until(loan.getMaturityDate(), ChronoUnit.DAYS);
+            Money dailyAmortization = CapitalizedIncomeAmortizationUtil.calculateDailyAmortization(
+                    loan.getLoanProductRelatedDetail().getCapitalizedIncomeStrategy(), daysUntilMaturity, balance.getUnrecognizedAmount(),
+                    loan.getCurrency().toData());
+            totalAmortizationAmount = totalAmortizationAmount.add(dailyAmortization.getAmount(), mc);
+            balance.setUnrecognizedAmount(balance.getUnrecognizedAmount().subtract(dailyAmortization.getAmount(), mc));
+        }
+
+        capitalizedIncomeBalanceRepository.saveAll(balances);
+
+        if (MathUtil.isGreaterThanZero(totalAmortizationAmount)) {
+            LoanTransaction transaction = LoanTransaction.capitalizedIncomeAmortization(loan, loan.getOffice(), businessDate,
+                    totalAmortizationAmount, externalIdFactory.create());
+            loan.addLoanTransaction(transaction);
+
+            transaction = loanTransactionRepository.save(transaction);
+            loanTransactionRepository.flush();
+
+            final AccountingBridgeLoanTransactionDTO transactionDTO = loanAccountingBridgeMapper.mapToLoanTransactionData(transaction,
+                    loan.getCurrency().getCode());
+            final AccountingBridgeDataDTO accountingBridgeData = new AccountingBridgeDataDTO(loan.getId(), loan.getLoanProduct().getId(),
+                    loan.getOfficeId(), loan.getCurrencyCode(), loan.getSummary().getTotalInterestCharged(),
+                    loan.isNoneOrCashOrUpfrontAccrualAccountingEnabledOnLoanProduct(),
+                    loan.isUpfrontAccrualAccountingEnabledOnLoanProduct(), loan.isPeriodicAccrualAccountingEnabledOnLoanProduct(), false,
+                    false, false, null, loan.isClosedWrittenOff(), List.of(transactionDTO));
+            this.journalEntryWritePlatformService.createJournalEntriesForLoan(accountingBridgeData);
+
+            businessEventNotifierService
+                    .notifyPostBusinessEvent(new LoanCapitalizedIncomeAmortizationTransactionCreatedBusinessEvent(transaction));
+        }
+
+        return loan;
+    }
+
+    @Override
+    public String getEnumStyledName() {
+        return "CAPITALIZED_INCOME_AMORTIZATION";
+    }
+
+    @Override
+    public String getHumanReadableName() {
+        return "Capitalized income amortization";
+    }
+}