FINERACT-2381: Fix Accrual Activity calculation

This commit is contained in:
Adam Saghy
2025-09-26 18:22:40 +02:00
parent e063081a82
commit ef80634b4e
5 changed files with 83 additions and 56 deletions
@@ -223,63 +223,12 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
reprocessChargebackTransactionRelation(changedTransactionDetail, transactionsToBeProcessed);
} else if (loanTransaction.isChargeOff()) {
recalculateChargeOffTransaction(changedTransactionDetail, loanTransaction, currency, installments);
} else if (loanTransaction.isAccrualActivity()) {
recalculateAccrualActivityTransaction(changedTransactionDetail, loanTransaction, currency, installments);
}
}
reprocessInstallments(disbursementDate, transactionsToBeProcessed, installments, currency);
return changedTransactionDetail;
}
protected void calculateAccrualActivity(LoanTransaction loanTransaction, MonetaryCurrency currency,
List<LoanRepaymentScheduleInstallment> installments) {
final int firstNormalInstallmentNumber = LoanRepaymentScheduleProcessingWrapper.fetchFirstNormalInstallmentNumber(installments);
final Optional<LoanRepaymentScheduleInstallment> currentInstallmentOpt = installments.stream()
.filter(installment -> LoanRepaymentScheduleProcessingWrapper.isInPeriod(loanTransaction.getTransactionDate(), installment,
installment.getInstallmentNumber().equals(firstNormalInstallmentNumber)))
.findFirst();
if (currentInstallmentOpt.isEmpty()) {
return;
}
final LoanRepaymentScheduleInstallment currentInstallment = currentInstallmentOpt.get();
if (currentInstallment.isNotFullyPaidOff() && (currentInstallment.getDueDate().isAfter(loanTransaction.getTransactionDate())
|| (currentInstallment.getDueDate().isEqual(loanTransaction.getTransactionDate())
&& loanTransaction.getTransactionDate().equals(DateUtils.getBusinessLocalDate())))) {
loanTransaction.reverse();
} else {
loanTransaction.resetDerivedComponents();
final Money principalPortion = Money.zero(currency);
Money interestPortion = currentInstallment.getInterestCharged(currency);
Money feeChargesPortion = currentInstallment.getFeeChargesCharged(currency);
Money penaltyChargesPortion = currentInstallment.getPenaltyChargesCharged(currency);
if (interestPortion.plus(feeChargesPortion).plus(penaltyChargesPortion).isZero()) {
loanTransaction.reverse();
} else {
loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
final Loan loan = loanTransaction.getLoan();
if ((loan.isClosedObligationsMet() || loanBalanceService.isOverPaid(loan)) && currentInstallment.isObligationsMet()
&& currentInstallment.isTransactionDateWithinPeriod(currentInstallment.getObligationsMetOnDate())) {
loanTransaction.updateTransactionDate(currentInstallment.getObligationsMetOnDate());
}
}
}
}
private void recalculateAccrualActivityTransaction(ChangedTransactionDetail changedTransactionDetail, LoanTransaction loanTransaction,
MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> installments) {
final LoanTransaction newLoanTransaction = LoanTransaction.copyTransactionProperties(loanTransaction);
calculateAccrualActivity(newLoanTransaction, currency, installments);
if (!LoanTransaction.transactionAmountsMatch(currency, loanTransaction, newLoanTransaction)) {
createNewTransaction(loanTransaction, newLoanTransaction, changedTransactionDetail);
}
}
@Override
public ChangedTransactionDetail processLatestTransaction(final LoanTransaction loanTransaction, final TransactionCtx ctx) {
switch (loanTransaction.getTypeOf()) {
@@ -19,6 +19,7 @@
package org.apache.fineract.portfolio.loanaccount.service;
import java.time.LocalDate;
import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.springframework.lang.NonNull;
import org.springframework.transaction.annotation.Transactional;
@@ -30,6 +31,8 @@ public interface LoanAccrualActivityProcessingService {
void makeAccrualActivityTransaction(@NonNull Loan loan, @NonNull LocalDate currentDate);
void recalculateAccrualActivityTransaction(Loan loan, ChangedTransactionDetail changedTransactionDetail);
@Transactional
void processAccrualActivityForLoanClosure(@NonNull Loan loan);
@@ -412,7 +412,6 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
case WAIVE_CHARGES -> log.debug("WAIVE_CHARGES transaction will not be processed.");
case REAMORTIZE -> handleReAmortization(loanTransaction, ctx);
case REAGE -> handleReAge(loanTransaction, ctx);
case ACCRUAL_ACTIVITY -> calculateAccrualActivity(loanTransaction, ctx);
case CAPITALIZED_INCOME -> handleCapitalizedIncome(loanTransaction, ctx);
case CONTRACT_TERMINATION -> handleContractTermination(loanTransaction, ctx);
// TODO: Cover rest of the transaction types
@@ -2903,10 +2902,6 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
reprocessInstallments(installments);
}
protected void calculateAccrualActivity(LoanTransaction transaction, TransactionCtx ctx) {
super.calculateAccrualActivity(transaction, ctx.getCurrency(), ctx.getInstallments());
}
private void reprocessInstallments(final List<LoanRepaymentScheduleInstallment> installments) {
final AtomicInteger counter = new AtomicInteger(1);
final AtomicReference<LocalDate> previousDueDate = new AtomicReference<>(null);
@@ -26,6 +26,7 @@ import java.util.List;
import java.util.Map;
import java.util.Optional;
import java.util.Set;
import java.util.concurrent.atomic.AtomicBoolean;
import java.util.stream.Collectors;
import lombok.RequiredArgsConstructor;
import lombok.extern.slf4j.Slf4j;
@@ -36,9 +37,14 @@ import org.apache.fineract.infrastructure.event.business.domain.loan.LoanAdjustT
import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionAccrualActivityPostBusinessEvent;
import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionAccrualActivityPreBusinessEvent;
import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.portfolio.loanaccount.data.TransactionChangeData;
import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountService;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleProcessingWrapper;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelation;
@@ -101,6 +107,32 @@ public class LoanAccrualActivityProcessingServiceImpl implements LoanAccrualActi
});
}
@Override
public void recalculateAccrualActivityTransaction(Loan loan, ChangedTransactionDetail changedTransactionDetail) {
List<LoanTransaction> accrualActivities = loanTransactionRepository.findNonReversedByLoanAndType(loan,
LoanTransactionType.ACCRUAL_ACTIVITY);
accrualActivities.forEach(accrualActivity -> {
final LoanTransaction newLoanTransaction = LoanTransaction.copyTransactionProperties(accrualActivity);
calculateAccrualActivity(newLoanTransaction, loan.getCurrency(), loan.getRepaymentScheduleInstallments());
if (!LoanTransaction.transactionAmountsMatch(loan.getCurrency(), accrualActivity, newLoanTransaction)) {
createNewTransaction(accrualActivity, newLoanTransaction, changedTransactionDetail);
}
});
}
protected void createNewTransaction(LoanTransaction loanTransaction, LoanTransaction newLoanTransaction,
ChangedTransactionDetail changedTransactionDetail) {
loanTransaction.reverse();
loanTransaction.updateExternalId(null);
newLoanTransaction.copyLoanTransactionRelations(loanTransaction.getLoanTransactionRelations());
// Adding Replayed relation from newly created transaction to reversed transaction
newLoanTransaction.getLoanTransactionRelations().add(
LoanTransactionRelation.linkToTransaction(newLoanTransaction, loanTransaction, LoanTransactionRelationTypeEnum.REPLAYED));
changedTransactionDetail.addTransactionChange(new TransactionChangeData(loanTransaction, newLoanTransaction));
}
@Override
@Transactional
public void processAccrualActivityForLoanClosure(final @NonNull Loan loan) {
@@ -206,6 +238,52 @@ public class LoanAccrualActivityProcessingServiceImpl implements LoanAccrualActi
}
}
private void calculateAccrualActivity(LoanTransaction loanTransaction, MonetaryCurrency currency,
List<LoanRepaymentScheduleInstallment> installments) {
final int firstNormalInstallmentNumber = LoanRepaymentScheduleProcessingWrapper.fetchFirstNormalInstallmentNumber(installments);
final List<LoanRepaymentScheduleInstallment> targetInstallments = installments.stream()
.filter(installment -> LoanRepaymentScheduleProcessingWrapper.isInPeriod(loanTransaction.getTransactionDate(), installment,
installment.getInstallmentNumber().equals(firstNormalInstallmentNumber))
|| (DateUtils.isEqual(installment.getObligationsMetOnDate(), loanTransaction.getTransactionDate())
&& installment.getDueDate().isAfter(loanTransaction.getTransactionDate())))
.toList();
if (targetInstallments.isEmpty()) {
return;
}
AtomicBoolean isReset = new AtomicBoolean(false);
targetInstallments.forEach(currentInstallment -> {
if (currentInstallment.isNotFullyPaidOff() && (currentInstallment.getDueDate().isAfter(loanTransaction.getTransactionDate())
|| (currentInstallment.getDueDate().isEqual(loanTransaction.getTransactionDate())
&& loanTransaction.getTransactionDate().equals(DateUtils.getBusinessLocalDate())))) {
loanTransaction.reverse();
} else {
if (!isReset.get()) {
loanTransaction.resetDerivedComponents();
isReset.set(true);
}
final Money principalPortion = Money.zero(currency);
Money interestPortion = currentInstallment.getInterestCharged(currency);
Money feeChargesPortion = currentInstallment.getFeeChargesCharged(currency);
Money penaltyChargesPortion = currentInstallment.getPenaltyChargesCharged(currency);
loanTransaction.updateComponentsAndTotal(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
final Loan loan = loanTransaction.getLoan();
if ((loan.isClosedObligationsMet() || loanBalanceService.isOverPaid(loan)) && currentInstallment.isObligationsMet()
&& currentInstallment.isTransactionDateWithinPeriod(currentInstallment.getObligationsMetOnDate())) {
loanTransaction.updateTransactionDate(currentInstallment.getObligationsMetOnDate());
}
}
});
if (MathUtil.isZero(MathUtil.nullToZero(MathUtil.add(loanTransaction.getInterestPortion(), loanTransaction.getFeeChargesPortion(),
loanTransaction.getPenaltyChargesPortion())))) {
loanTransaction.reverse();
}
}
private Map<LocalDate, List<LoanTransaction>> loadExistingAccrualActivitiesByDate(final @NonNull Loan loan,
final List<LoanRepaymentScheduleInstallment> installments) {
final Set<LocalDate> dueDates = installments.stream().map(LoanRepaymentScheduleInstallment::getDueDate).collect(Collectors.toSet());
@@ -62,6 +62,7 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
private final LoanTransactionService loanTransactionService;
private final LoanJournalEntryPoster loanJournalEntryPoster;
private final BusinessEventNotifierService businessEventNotifierService;
private final LoanAccrualActivityProcessingService loanAccrualActivityProcessingService;
@Override
public void reprocessTransactions(final Loan loan) {
@@ -227,6 +228,7 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
.map(TransactionChangeData::getNewTransaction).toList();
loan.getLoanTransactions().addAll(newTransactions);
loanBalanceService.updateLoanSummaryDerivedFields(loan);
loanAccrualActivityProcessingService.recalculateAccrualActivityTransaction(loan, changedTransactionDetail);
return changedTransactionDetail;
}
}