FINERACT-1840: Fee income is not realised if the loan got fully repaid

2023-03-01 14:08:29 +01:00
parent c1570049ed
commit ee72978a49
8 changed files with 195 additions and 45 deletions
@@ -3506,43 +3506,6 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
        updateLoanOutstandingBalances();
    }

-    public void applyIncomeAccrualTransaction(LocalDate closedDate) {
-        ExternalId externalId = ExternalId.empty();
-        boolean isExternalIdAutoGenerationEnabled = TemporaryConfigurationServiceContainer.isExternalIdAutoGenerationEnabled();
-        if (isPeriodicAccrualAccountingEnabledOnLoanProduct()
-                // to avoid collision with processIncomeAccrualTransactionOnLoanClosure()
-                // TODO: review after interest calculation implemented
-                && !(this.loanInterestRecalculationDetails != null
-                        && this.loanInterestRecalculationDetails.isCompoundingToBePostedAsTransaction())) {
-            List<LoanTransaction> updatedAccrualTransactions = retrieveListOfAccrualTransactions();
-            LocalDate lastAccruedDate = this.getDisbursementDate();
-            if (!updatedAccrualTransactions.isEmpty()) {
-                lastAccruedDate = updatedAccrualTransactions.get(updatedAccrualTransactions.size() - 1).getTransactionDate();
-            }
-            HashMap<String, Object> feeDetails = new HashMap<>();
-            determineFeeDetails(lastAccruedDate, closedDate, feeDetails);
-            if (isExternalIdAutoGenerationEnabled) {
-                externalId = ExternalId.generate();
-            }
-            BigDecimal fee = (BigDecimal) feeDetails.get(FEE);
-            if (fee == null) {
-                fee = BigDecimal.ZERO;
-            }
-            BigDecimal penalty = (BigDecimal) feeDetails.get(PENALTIES);
-            if (penalty == null) {
-                penalty = BigDecimal.ZERO;
-            }
-            BigDecimal total = fee.add(penalty);
-            // TODO: calculate interest?
-            if (total.compareTo(BigDecimal.ZERO) > 0) {
-                LoanTransaction accrualTransaction = LoanTransaction.accrueTransaction(this, this.getOffice(), closedDate, total, null, fee,
-                        penalty, externalId);
-                updateLoanChargesPaidBy(accrualTransaction, feeDetails, null);
-                addLoanTransaction(accrualTransaction);
-            }
-        }
-    }
-
    private void determineCumulativeIncomeFromInstallments(HashMap<String, BigDecimal> cumulativeIncomeFromInstallments) {
        BigDecimal interest = BigDecimal.ZERO;
        BigDecimal fee = BigDecimal.ZERO;
@@ -5484,7 +5447,7 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
            for (LoanInstallmentCharge loanInstallmentCharge : loanInstallmentCharges) {
                Integer installmentNumber = null == loanInstallmentCharge.getInstallment() ? null
                        : loanInstallmentCharge.getInstallment().getInstallmentNumber();
-                final LoanChargePaidBy loanChargePaidBy = new LoanChargePaidBy(accrual, loanInstallmentCharge.getLoancharge(),
+                final LoanChargePaidBy loanChargePaidBy = new LoanChargePaidBy(accrual, loanInstallmentCharge.getLoanCharge(),
                        loanInstallmentCharge.getAmount(getCurrency()).getAmount(), installmentNumber);
                accrual.getLoanChargesPaid().add(loanChargePaidBy);
            }
@@ -7060,4 +7023,8 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom {
    public LocalDate getChargedOffOnDate() {
        return chargedOffOnDate;
    }
+
+    public LoanInterestRecalculationDetails getLoanInterestRecalculationDetails() {
+        return loanInterestRecalculationDetails;
+    }
 }
@@ -98,4 +98,6 @@ public interface LoanAccountDomainService {

    LoanTransaction creditBalanceRefund(Loan loan, LocalDate transactionDate, BigDecimal transactionAmount, String noteText,
            ExternalId externalId, PaymentDetail paymentDetail);
+
+    void applyIncomeAccrualTransaction(Loan loan);
 }
@@ -25,6 +25,7 @@ import java.util.Collection;
 import java.util.List;
 import java.util.Map;
 import java.util.Set;
+import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.StringUtils;
@@ -61,6 +62,7 @@ import org.apache.fineract.infrastructure.event.business.domain.loan.transaction
 import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionRecoveryPaymentPostBusinessEvent;
 import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionRecoveryPaymentPreBusinessEvent;
 import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.interoperation.util.MathUtil;
 import org.apache.fineract.organisation.holiday.domain.Holiday;
 import org.apache.fineract.organisation.holiday.domain.HolidayRepository;
 import org.apache.fineract.organisation.holiday.domain.HolidayStatusType;
@@ -865,4 +867,94 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
        }
    }

+    @Override
+    public void applyIncomeAccrualTransaction(Loan loan) {
+        if (loan.isPeriodicAccrualAccountingEnabledOnLoanProduct()
+                // to avoid collision with processIncomeAccrualTransactionOnLoanClosure()
+                && !(loan.getLoanInterestRecalculationDetails() != null
+                        && loan.getLoanInterestRecalculationDetails().isCompoundingToBePostedAsTransaction())) {
+
+            MonetaryCurrency currency = loan.getCurrency();
+            Money interestPortion = Money.zero(currency);
+            Money feePortion = Money.zero(currency);
+            Money penaltyPortion = Money.zero(currency);
+
+            for (LoanRepaymentScheduleInstallment loanRepaymentScheduleInstallment : loan.getRepaymentScheduleInstallments()) {
+                interestPortion = interestPortion.add(loanRepaymentScheduleInstallment.getInterestCharged(currency))
+                        .minus(loanRepaymentScheduleInstallment.getInterestAccrued(currency))
+                        .minus(loanRepaymentScheduleInstallment.getInterestWaived(currency));
+                feePortion = feePortion.add(loanRepaymentScheduleInstallment.getFeeChargesCharged(currency))
+                        .minus(loanRepaymentScheduleInstallment.getFeeAccrued(currency))
+                        .minus(loanRepaymentScheduleInstallment.getFeeChargesWaived(currency));
+                penaltyPortion = penaltyPortion.add(loanRepaymentScheduleInstallment.getPenaltyChargesCharged(currency))
+                        .minus(loanRepaymentScheduleInstallment.getPenaltyAccrued(currency))
+                        .minus(loanRepaymentScheduleInstallment.getPenaltyChargesWaived(currency));
+            }
+            Money total = interestPortion.plus(feePortion).plus(penaltyPortion);
+
+            if (total.isGreaterThanZero()) {
+                ExternalId externalId = externalIdFactory.create();
+
+                LoanTransaction accrualTransaction = LoanTransaction.accrueTransaction(loan, loan.getOffice(), loan.getClosedOnDate(),
+                        total.getAmount(), interestPortion.getAmount(), feePortion.getAmount(), penaltyPortion.getAmount(), externalId);
+
+                Set<LoanChargePaidBy> accrualCharges = accrualTransaction.getLoanChargesPaid();
+
+                Map<Long, Money> accrualDetails = loan.getActiveCharges().stream()
+                        .collect(Collectors.toMap(LoanCharge::getId, v -> Money.zero(currency)));
+
+                loan.getLoanTransactions(LoanTransaction::isAccrual).forEach(transaction -> {
+                    transaction.getLoanChargesPaid().forEach(loanChargePaid -> {
+                        accrualDetails.computeIfPresent(loanChargePaid.getLoanCharge().getId(),
+                                (mappedKey, mappedValue) -> mappedValue.add(Money.of(currency, loanChargePaid.getAmount())));
+                    });
+                });
+
+                loan.getActiveCharges().forEach(loanCharge -> {
+                    Money amount = loanCharge.getAmount(currency).minus(loanCharge.getAmountWaived(currency));
+                    if (!loanCharge.isInstalmentFee() && loanCharge.isActive()
+                            && accrualDetails.get(loanCharge.getId()).isLessThan(amount)) {
+                        Money amountToBeAccrued = amount.minus(accrualDetails.get(loanCharge.getId()));
+                        final LoanChargePaidBy loanChargePaidBy = new LoanChargePaidBy(accrualTransaction, loanCharge,
+                                amountToBeAccrued.getAmount(), null);
+                        accrualCharges.add(loanChargePaidBy);
+                    }
+                });
+
+                for (LoanRepaymentScheduleInstallment loanRepaymentScheduleInstallment : loan.getRepaymentScheduleInstallments()) {
+                    for (LoanInstallmentCharge installmentCharge : loanRepaymentScheduleInstallment.getInstallmentCharges()) {
+                        if (installmentCharge.getLoanCharge().isActive()) {
+                            Money notWaivedAmount = installmentCharge.getAmount(currency)
+                                    .minus(installmentCharge.getAmountWaived(currency));
+                            if (notWaivedAmount.isGreaterThanZero()) {
+                                Money amountToBeAccrued = notWaivedAmount
+                                        .minus(accrualDetails.get(installmentCharge.getLoanCharge().getId()));
+                                if (amountToBeAccrued.isGreaterThanZero()) {
+                                    final LoanChargePaidBy loanChargePaidBy = new LoanChargePaidBy(accrualTransaction,
+                                            installmentCharge.getLoanCharge(), amountToBeAccrued.getAmount(),
+                                            installmentCharge.getInstallment().getInstallmentNumber());
+                                    accrualCharges.add(loanChargePaidBy);
+                                    accrualDetails.computeIfPresent(installmentCharge.getLoanCharge().getId(),
+                                            (mappedKey, mappedValue) -> mappedValue.add(amountToBeAccrued));
+                                }
+                                accrualDetails.computeIfPresent(installmentCharge.getLoanCharge().getId(),
+                                        (mappedKey, mappedValue) -> MathUtil
+                                                .negativeToZero(mappedValue.minus(Money.of(currency, installmentCharge.getAmount()))));
+                            }
+                        }
+                    }
+                }
+                saveLoanTransactionWithDataIntegrityViolationChecks(accrualTransaction);
+                loan.addLoanTransaction(accrualTransaction);
+
+                loan.getRepaymentScheduleInstallments().forEach(installment -> {
+                    installment.updateAccrualPortion(
+                            installment.getInterestCharged(currency).minus(installment.getInterestWaived(currency)),
+                            installment.getFeeChargesCharged(currency).minus(installment.getFeeChargesWaived(currency)),
+                            installment.getPenaltyChargesCharged(currency).minus(installment.getPenaltyChargesWaived(currency)));
+                });
+            }
+        }
+    }
+
 }
@@ -140,7 +140,7 @@ public class LoanCharge extends AbstractPersistableCustom {
    private LoanTrancheDisbursementCharge loanTrancheDisbursementCharge;

    @OneToMany(mappedBy = "loanCharge", cascade = CascadeType.ALL, orphanRemoval = true, fetch = FetchType.EAGER)
-    private Set<LoanChargePaidBy> loanChargePaidBySet;
+    private Set<LoanChargePaidBy> loanChargePaidBySet = new HashSet<>();

    protected LoanCharge() {
        //
@@ -312,7 +312,7 @@ public class LoanInstallmentCharge extends AbstractPersistableCustom implements
        return amountToDeductOnThisCharge;
    }

-    public LoanCharge getLoancharge() {
+    public LoanCharge getLoanCharge() {
        return this.loancharge;
    }

@@ -25,6 +25,7 @@ import org.apache.fineract.infrastructure.event.business.BusinessEventListener;
 import org.apache.fineract.infrastructure.event.business.domain.loan.LoanStatusChangedBusinessEvent;
 import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainServiceJpa;
 import org.springframework.stereotype.Service;

@Slf4j
@@ -33,22 +34,22 @@ import org.springframework.stereotype.Service;
 public class LoanStatusChangePlatformServiceImpl implements LoanStatusChangePlatformService {

    private final BusinessEventNotifierService businessEventNotifierService;
+    private final LoanAccountDomainServiceJpa loanAccountDomainService;

    @PostConstruct
    public void addListeners() {
        businessEventNotifierService.addPostBusinessEventListener(LoanStatusChangedBusinessEvent.class, new LoanStatusChangedListener());
    }

-    private static class LoanStatusChangedListener implements BusinessEventListener<LoanStatusChangedBusinessEvent> {
+    private class LoanStatusChangedListener implements BusinessEventListener<LoanStatusChangedBusinessEvent> {

        @Override
        public void onBusinessEvent(LoanStatusChangedBusinessEvent event) {
            final Loan loan = event.get();
            log.debug("Loan Status change for loan {}", loan.getId());
-            // Apply common actions on Loan account closed
-            if (loan.isClosed()) {
+            if (loan.getStatus().isClosedObligationsMet()) {
                log.debug("Loan Status {} for loan {}", loan.getStatus().getCode(), loan.getId());
-                loan.applyIncomeAccrualTransaction(loan.getClosedOnDate());
+                loanAccountDomainService.applyIncomeAccrualTransaction(loan);
            }
            if (loan.isOpen()) {
                loan.handleMaturityDateActivate();
@@ -133,7 +133,7 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
                BigDecimal.valueOf(30), BigDecimal.valueOf(50), BigDecimal.valueOf(185), new BigDecimal("100.5"), new BigDecimal("200.3")));
        when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(repaymentScheduleInstallments);
        when(loanChargeReadPlatformService.retrieveLoanCharges(anyLong())).thenAnswer(a -> repaymentScheduleInstallments.get(0)
-                .getInstallmentCharges().stream().map(c -> c.getLoancharge().toData()).collect(Collectors.toList()));
+                .getInstallmentCharges().stream().map(c -> c.getLoanCharge().toData()).collect(Collectors.toList()));

        moneyHelper.when(() -> MoneyHelper.getRoundingMode()).thenReturn(RoundingMode.UP);