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FINERACT-2333: Accrual handling in case of Charged-off loan

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This commit is contained in:
mariiaKraievska
2025-03-03 16:30:46 +01:00
committed by Adam Saghy
parent 843b27926e
commit f0cc697c67
10 changed files with 426 additions and 15 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -101,6 +101,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE, //
LP2_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY, //
LP2_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY, //
LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE, //
;
@Override
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+29
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@@ -1890,6 +1890,35 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_ACCOUNTING_RULE_NONE,
responseLoanProductsRequestLP2AdvancedpaymentInterest36030InterestRecalcAccountingRuleNone);
// LP2 with progressive loan schedule + horizontal
// + interest recalculation + interest recognition from disbursement date enabled
// (LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE)
String name79 = DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE
.getName();
PostLoanProductsRequest loanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate = loanProductsRequestFactory
.defaultLoanProductsRequestLP2Emi()//
.name(name79)//
.daysInYearType(DaysInYearType.DAYS360.value)//
.daysInMonthType(DaysInMonthType.DAYS30.value)//
.isInterestRecalculationEnabled(true)//
.preClosureInterestCalculationStrategy(1)//
.rescheduleStrategyMethod(4)//
.interestRecalculationCompoundingMethod(0)//
.recalculationRestFrequencyType(2)//
.recalculationRestFrequencyInterval(1)//
.interestRecognitionOnDisbursementDate(true)//
.paymentAllocation(List.of(//
createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"), //
createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"), //
createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"), //
createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT"))) //
.chargeOffBehaviour("ZERO_INTEREST");//
Response<PostLoanProductsResponse> responseLoanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate = loanProductsApi
.createLoanProduct(loanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate).execute();
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE,
responseLoanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
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@@ -91,6 +91,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreClose";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_ACCOUNTING_RULE_NONE = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationAccountingRuleNone";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInterestRecalculationDailyZeroInterestChargeOffInterestRecognitionFromDisbursementDate";
public static final String temp = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyNoCalcOnPastDueTillPreClose";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreCloseLastInstallment";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreClosePmtAlloc1";
fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature
+1
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@@ -139,5 +139,6 @@ Feature: Batch API
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 |
| 01 February 2024 | Charge-off | 83.57 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 |
And Admin checks the loan has been charged-off on "01 February 2024"
fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
+304 -7
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@@ -1611,6 +1611,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 28 February 2024 | Accrual | 36.96 | 0.0 | 36.96 | 0.0 | 0.0 | 0.0 | false | false |
| 28 February 2024 | Charge-off | 1220.23 | 1000.0 | 54.75 | 105.48 | 60.0 | 0.0 | false | false |
Then Admin fails to disburse the loan on "28 February 2024" with "500" EUR transaction amount because of charge-off that was performed for the loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "28 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
@@ -1687,6 +1688,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3338 @AdvancedPaymentAllocation
@@ -1744,6 +1746,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "06 June 2024"
Then Admin does a charge-off undo the loan
@@ -1766,8 +1769,9 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | true | false |
| 06 June 2024 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2024 | Accrual | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3326 @AdvancedPaymentAllocation
Scenario: Verify the repayment schedule is updated before the Charge-off in case of interest recalculation = true
@@ -1862,6 +1866,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3338 @AdvancedPaymentAllocation
@@ -1919,6 +1924,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "06 June 2024"
Then Admin does a charge-off undo the loan
@@ -1941,8 +1947,9 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 | 0.0 | 0.0 | 0.0 | true | false |
| 06 June 2024 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2024 | Accrual | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3326 @AdvancedPaymentAllocation
Scenario: Verify the repayment schedule is updated before the Charge-off in case of interest recalculation = true
@@ -2031,6 +2038,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3340
@@ -2086,6 +2094,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3341
@@ -2141,6 +2150,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3342
@@ -2202,6 +2212,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 15 July 2024 | Accrual | 2.15 | 0.0 | 2.15 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.11 | 33.71 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3343
@@ -2257,6 +2268,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3344
@@ -2312,6 +2324,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
# ----- backdated repayment on 1 March made on 31 March ----- #
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
@@ -2332,6 +2345,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3345
@@ -2387,6 +2401,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
# ----- repayment reversal of 1st February ----- #
When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
@@ -2406,6 +2421,8 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | true | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.14 | 100.0 | 1.14 | 0.0 | 0.0 | 0.0 | false | true |
And In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted
@@ -2463,6 +2480,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
# ----- repayment after charge off on 1st March ----- #
When Admin sets the business date to "1 March 2024"
@@ -2483,6 +2501,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 | 0.0 | 0.0 | 67.03 | false | false |
@@ -2542,6 +2561,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3348
@@ -2599,6 +2619,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3349
@@ -2658,6 +2679,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Waive loan charges | 3.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3412
@@ -2715,6 +2737,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3413
@@ -2939,6 +2962,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 82.99 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@@ -2977,6 +3001,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Accrual | 0.85 | 0.0 | 0.85 | 0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 | 0.0 | 0.0 | 0.0 |
And Admin does a charge-off undo the loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
@@ -2994,6 +3019,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Accrual | 0.85 | 0.0 | 0.85 | 0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 | 0.0 | 0.0 | 0.0 |
@TestRailId:C3352 @AdvancedPaymentAllocation
@@ -3052,6 +3078,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "1 March 2024"
And Admin does a charge-off undo the loan
@@ -3071,6 +3098,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | true | false |
@TestRailId:C3353 @AdvancedPaymentAllocation
@@ -3129,6 +3157,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3354 @AdvancedPaymentAllocation
@@ -3187,6 +3216,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3355 @AdvancedPaymentAllocation
@@ -3262,6 +3292,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 15 July 2024 | Accrual | 2.15 | 0.0 | 2.15 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.11 | 33.71 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3322,6 +3353,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan
@@ -3339,6 +3371,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3357 @AdvancedPaymentAllocation
@@ -3399,6 +3432,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
# --- Backdated repayment ---
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
@@ -3419,6 +3453,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 | 0.0 | 0.0 | 0.0 | false | true |
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3479,6 +3514,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
When Customer undo "1"th repayment on "01 February 2024"
Then Loan Repayment schedule has 2 periods, with the following data for periods:
@@ -3496,6 +3532,8 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | true | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.14 | 100.0 | 1.14 | 0.0 | 0.0 | 0.0 | false | true |
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3556,6 +3594,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
@@ -3571,6 +3610,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 | 0.0 | 0.0 | 67.03 | false | false |
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3634,6 +3674,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 29 February 2024 | Accrual | 0.9 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.89 | 82.99 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
@Skip @TestRailId:C3361 @AdvancedPaymentAllocation
@@ -3794,6 +3835,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 20.98 | 13.98 | 7.0 | 0.0 | 0.0 | 86.02 | false | false |
| 02 April 2024 | Accrual | 19.24 | 0.0 | 19.24 | 0.0 | 0.0 | 0.0 | false | false |
| 02 April 2024 | Charge-off | 108.57 | 86.02 | 22.55 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3363
@@ -3849,6 +3891,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3364
@@ -3904,6 +3947,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3365
@@ -3959,6 +4003,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3366
@@ -4020,6 +4065,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 15 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.01 | 33.71 | 0.3 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3367
@@ -4075,6 +4121,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.44 | 83.57 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3368
@@ -4130,6 +4177,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.44 | 83.57 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
# ----- backdated repayment on 1 March made on 31 March ----- #
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
@@ -4150,6 +4198,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3369
@@ -4205,6 +4254,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
# ----- repayment reversal of 1st February ----- #
When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
@@ -4224,6 +4274,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | true | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.05 | 100.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | true |
And In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted
@@ -4281,6 +4332,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
# ----- repayment after charge off on 1st March ----- #
When Admin sets the business date to "1 March 2024"
@@ -4301,6 +4353,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 | 0.0 | 0.0 | 67.03 | false | false |
@@ -4360,6 +4413,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3372
@@ -4417,6 +4471,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3373
@@ -4476,6 +4531,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Waive loan charges | 3.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3414
@@ -4530,10 +4586,11 @@ Feature: Charge-off
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 100 | 1.05 | 8.0 | 0 | 109.05 | 22.01 | 0 | 0 | 0.0 | 87.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 | 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 | 3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3415
Scenario: Backdated charge-off with charge is added after the charge off date when loan behavior is zero-interest with interestRecalculation disabled is forbidden - UC9.5
@@ -4757,6 +4814,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.91 | 0.1 | 0.0 | 0.0 | 83.09 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.14 | 83.09 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@@ -4814,6 +4872,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.15 | 16.94 | 0.21 | 0.0 | 0.0 | 83.06 | false | false |
| 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.09 | 83.06 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@@ -4852,6 +4911,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.8 | 100.0 | 0.8 | 0.0 | 0.0 | 0.0 |
And Admin does a charge-off undo the loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
@@ -4869,6 +4929,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 14 February 2023 | Accrual | 0.8 | 0.0 | 0.8 | 0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.8 | 100.0 | 0.8 | 0.0 | 0.0 | 0.0 |
@TestRailId:C3379
@@ -4924,6 +4985,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -4985,6 +5047,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -5046,6 +5109,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -5112,6 +5176,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 92.06 | 83.57 | 0.49 | 8.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3461
@@ -5173,6 +5238,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 | 5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3462
@@ -5234,6 +5300,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 | 5.0 | 10.0 | 0.0 | false | false |
And Admin waives due date charge
Then Loan Repayment schedule has 2 periods, with the following data for periods:
@@ -5249,6 +5316,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 94.06 | 83.57 | 0.49 | 0.0 | 10.0 | 0.0 | false | true |
@TestRailId:C3463
@@ -5309,6 +5377,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.06 | 83.57 | 0.49 | 5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3464
@@ -5370,6 +5439,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 91.06 | 83.57 | 0.49 | 7.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3465
@@ -5431,6 +5501,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 | 5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3466
@@ -5492,6 +5563,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 | 5.0 | 10.0 | 0.0 | false | false |
And Admin waives charge
Then Loan Repayment schedule has 3 periods, with the following data for periods:
@@ -5508,6 +5580,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 88.81 | 83.57 | 0.24 | 5.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3497 @AdvancedPaymentAllocation
@@ -5566,6 +5639,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 82.99 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3498 @AdvancedPaymentAllocation
@@ -5644,6 +5718,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 66.8 | false | true |
| 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 66.98 | 66.8 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3499 @AdvancedPaymentAllocation
@@ -5700,6 +5775,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.04 | 16.6 | 0.44 | 0.0 | 0.0 | 83.4 | false | true |
| 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 83.4 | 0.59 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3500 @AdvancedPaymentAllocation
@@ -5777,6 +5853,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Repayment | 17.04 | 16.6 | 0.44 | 0.0 | 0.0 | 66.99 | false | true |
| 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 66.99 | 66.99 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3467
@@ -5834,6 +5911,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.05 | 83.59 | 0.46 | 5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3468
@@ -5892,6 +5970,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 92.05 | 83.59 | 0.46 | 8.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3469
@@ -5951,6 +6030,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.05 | 83.59 | 0.46 | 5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3470
@@ -6010,6 +6090,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.05 | 83.59 | 0.46 | 5.0 | 10.0 | 0.0 | false | false |
And Admin waives due date charge
Then Loan Repayment schedule has 2 periods, with the following data for periods:
@@ -6025,6 +6106,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 94.05 | 83.59 | 0.46 | 0.0 | 10.0 | 0.0 | false | true |
@TestRailId:C3471
@@ -6083,6 +6165,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.05 | 83.59 | 0.46 | 5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3472
@@ -6142,6 +6225,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 91.05 | 83.59 | 0.46 | 7.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3473
@@ -6201,6 +6285,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.59 | 0.22 | 5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3474
@@ -6260,6 +6345,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.59 | 0.22 | 5.0 | 10.0 | 0.0 | false | false |
And Admin waives charge
Then Loan Repayment schedule has 3 periods, with the following data for periods:
@@ -6276,6 +6362,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 88.81 | 83.59 | 0.22 | 5.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3508
@@ -6338,6 +6425,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 | 0.0 | 0.0 | 832.54 | false | false |
| 31 January 2023 | Accrual | 5.14 | 0.0 | 5.14 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2023 | Charge-off | 835.05 | 832.54 | 2.51 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3511
@@ -6473,4 +6561,213 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 01 March 2024 | Charge-off | 84.99 | 83.25 | 1.74 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.99 | 83.25 | 1.74 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3513
Scenario: Accrual handling in case of charged-off loan when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = FALSE
When Admin sets the business date to "2 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "31 January 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
And Admin does charge-off the loan on "31 January 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.55 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.54 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 32.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 15.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0 | 0 | 100.56 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3514
Scenario: Accrual handling in case of charged-off loan when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = TRUE
When Admin sets the business date to "2 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "31 January 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
And Admin does charge-off the loan on "31 January 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.55 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.54 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 32.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 15.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0 | 0 | 100.56 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+80 -3
View File
@@ -21,6 +21,7 @@ package org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.im
import static java.math.BigDecimal.ZERO;
import static java.util.stream.Collectors.mapping;
import static java.util.stream.Collectors.toList;
import static org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction.accrueTransaction;
import static org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationTypeEnum.CHARGEBACK;
import static org.apache.fineract.portfolio.loanproduct.domain.AllocationType.FEE;
import static org.apache.fineract.portfolio.loanproduct.domain.AllocationType.INTEREST;
@@ -60,6 +61,7 @@ import org.apache.commons.lang3.ObjectUtils;
import org.apache.commons.lang3.tuple.Pair;
import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
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.organisation.monetary.domain.MonetaryCurrency;
import org.apache.fineract.organisation.monetary.domain.Money;
@@ -81,6 +83,7 @@ import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionComparator;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelation;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationTypeEnum;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionToRepaymentScheduleMapping;
import org.apache.fineract.portfolio.loanaccount.domain.reaging.LoanReAgeParameter;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.AbstractLoanRepaymentScheduleTransactionProcessor;
@@ -109,9 +112,11 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
public static final String ADVANCED_PAYMENT_ALLOCATION_STRATEGY = "advanced-payment-allocation-strategy";
public static final String ADVANCED_PAYMENT_ALLOCATION_STRATEGY_NAME = "Advanced payment allocation strategy";
public final EMICalculator emiCalculator;
public final LoanRepositoryWrapper loanRepositoryWrapper;
public final InterestRefundService interestRefundService;
private final EMICalculator emiCalculator;
private final LoanRepositoryWrapper loanRepositoryWrapper;
private final InterestRefundService interestRefundService;
private final LoanTransactionRepository loanTransactionRepository;
private final ExternalIdFactory externalIdFactory;
@Override
public String getCode() {
@@ -1342,6 +1347,11 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
}
}
final BigDecimal newInterest = getInterestTillChargeOffForPeriod(loanTransaction.getLoan(), loanTransaction.getTransactionDate(),
transactionCtx);
createMissingAccrualTransactionDuringChargeOffIfNeeded(newInterest, loanTransaction.getLoan(),
loanTransaction.getTransactionDate());
loanTransaction.resetDerivedComponents();
// determine how much is outstanding total and breakdown for principal, interest and charges
Money principalPortion = Money.zero(transactionCtx.getCurrency());
@@ -2267,4 +2277,71 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
processSingleTransaction(processTransaction, transactionCtx);
}
}
private BigDecimal getInterestTillChargeOffForPeriod(final Loan loan, final LocalDate chargeOffDate,
final TransactionCtx transactionCtx) {
BigDecimal interestTillChargeOff = BigDecimal.ZERO;
final MonetaryCurrency currency = loan.getCurrency();
final List<LoanRepaymentScheduleInstallment> installments = loan.getRepaymentScheduleInstallments().stream()
.filter(i -> !i.isAdditional()).toList();
for (LoanRepaymentScheduleInstallment installment : installments) {
final boolean isPastPeriod = !installment.getDueDate().isAfter(chargeOffDate);
final boolean isInPeriod = !installment.getFromDate().isAfter(chargeOffDate) && installment.getDueDate().isAfter(chargeOffDate);
BigDecimal interest = BigDecimal.ZERO;
if (isPastPeriod) {
interest = installment.getInterestCharged(currency).minus(installment.getCreditedInterest()).getAmount();
} else if (isInPeriod) {
if (transactionCtx instanceof ProgressiveTransactionCtx progressiveTransactionCtx
&& loan.isInterestBearingAndInterestRecalculationEnabled()) {
interest = emiCalculator
.getPeriodInterestTillDate(progressiveTransactionCtx.getModel(), installment.getDueDate(), chargeOffDate, true)
.getAmount();
} else {
final BigDecimal totalInterest = installment.getInterestOutstanding(currency).getAmount();
if (LoanChargeOffBehaviour.ZERO_INTEREST.equals(loan.getLoanProductRelatedDetail().getChargeOffBehaviour())
|| LoanChargeOffBehaviour.ACCELERATE_MATURITY
.equals(loan.getLoanProductRelatedDetail().getChargeOffBehaviour())) {
interest = totalInterest;
} else {
final long totalDaysInPeriod = ChronoUnit.DAYS.between(installment.getFromDate(), installment.getDueDate());
final long daysTillChargeOff = ChronoUnit.DAYS.between(installment.getFromDate(), chargeOffDate);
final MathContext mc = MoneyHelper.getMathContext();
interest = Money.of(currency, totalInterest.divide(BigDecimal.valueOf(totalDaysInPeriod), mc)
.multiply(BigDecimal.valueOf(daysTillChargeOff), mc), mc).getAmount();
}
}
}
interestTillChargeOff = interestTillChargeOff.add(interest);
}
return interestTillChargeOff;
}
private void createMissingAccrualTransactionDuringChargeOffIfNeeded(final BigDecimal newInterest, final Loan loan,
final LocalDate chargeOffDate) {
final List<LoanRepaymentScheduleInstallment> relevantInstallments = loan.getRepaymentScheduleInstallments().stream()
.filter(i -> !i.getFromDate().isAfter(chargeOffDate)).toList();
if (relevantInstallments.isEmpty()) {
return;
}
final BigDecimal sumOfAccrualsTillChargeOff = loan.getLoanTransactions().stream()
.filter(lt -> lt.isAccrual() && !lt.getTransactionDate().isAfter(chargeOffDate))
.map(lt -> Optional.ofNullable(lt.getInterestPortion()).orElse(BigDecimal.ZERO)).reduce(BigDecimal.ZERO, BigDecimal::add);
final BigDecimal missingAccrualAmount = newInterest.subtract(sumOfAccrualsTillChargeOff);
if (missingAccrualAmount.compareTo(BigDecimal.ZERO) > 0) {
final LoanTransaction newAccrualTransaction = accrueTransaction(loan, loan.getOffice(), chargeOffDate, missingAccrualAmount,
missingAccrualAmount, ZERO, ZERO, externalIdFactory.create());
loan.addLoanTransaction(newAccrualTransaction);
loanTransactionRepository.saveAndFlush(newAccrualTransaction);
}
}
}
fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java
+1 -1
View File
@@ -111,7 +111,7 @@ class AdvancedPaymentScheduleTransactionProcessorTest {
@BeforeEach
public void setUp() {
underTest = new AdvancedPaymentScheduleTransactionProcessor(emiCalculator, loanRepositoryWrapper, null);
underTest = new AdvancedPaymentScheduleTransactionProcessor(emiCalculator, loanRepositoryWrapper, null, null, null);
ThreadLocalContextUtil.setTenant(new FineractPlatformTenant(1L, "default", "Default", "Asia/Kolkata", null));
ThreadLocalContextUtil.setActionContext(ActionContext.DEFAULT);
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java
+6 -2
View File
@@ -19,8 +19,10 @@
package org.apache.fineract.portfolio.loanaccount.starter;
import java.util.List;
import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleTransactionProcessorFactory;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.CreocoreLoanRepaymentScheduleTransactionProcessor;
@@ -109,7 +111,9 @@ public class LoanAccountAutoStarter {
@Conditional(AdvancedPaymentScheduleTransactionProcessorCondition.class)
public AdvancedPaymentScheduleTransactionProcessor advancedPaymentScheduleTransactionProcessor(EMICalculator emiCalculator,
LoanRepositoryWrapper loanRepositoryWrapper,
@Lazy ProgressiveLoanInterestRefundServiceImpl progressiveLoanInterestRefundService) {
return new AdvancedPaymentScheduleTransactionProcessor(emiCalculator, loanRepositoryWrapper, progressiveLoanInterestRefundService);
@Lazy ProgressiveLoanInterestRefundServiceImpl progressiveLoanInterestRefundService,
LoanTransactionRepository loanTransactionRepository, ExternalIdFactory externalIdFactory) {
return new AdvancedPaymentScheduleTransactionProcessor(emiCalculator, loanRepositoryWrapper, progressiveLoanInterestRefundService,
loanTransactionRepository, externalIdFactory);
}
}
integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java
+1
View File
@@ -591,6 +591,7 @@ public class LoanAccountChargeOffWithAdvancedPaymentAllocationTest extends BaseL
verifyTransactions(loanId, //
transaction(1000.0d, "Disbursement", "01 January 2024", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), //
transaction(170.09d, "Repayment", "15 January 2024", 832.54, 167.46, 2.63, 0.0, 0.0, 0.0, 0.0, false), //
transaction(5.14d, "Accrual", "31 January 2024", 0.0, 0.0, 5.14, 0.0, 0.0, 0.0, 0.0, false), //
transaction(835.05d, "Charge-off", "31 January 2024", 0.0, 832.54, 2.51, 0.0, 0.0, 0.0, 0.0, false) //
);
});
integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java
+2 -2
View File
@@ -69,7 +69,7 @@ public class LoanChargeOffAccrualTest extends BaseLoanIntegrationTest {
executeInlineCOB(loanId);
final GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
final List<GetLoansLoanIdTransactions> transactions = loanDetails.getTransactions();
Assertions.assertTrue(transactions.stream().filter(o -> o.getType().getAccrual()).toList().size() == 1);
Assertions.assertTrue(transactions.stream().filter(o -> o.getType().getAccrual()).toList().size() == 2);
});
runAt("05 June 2024", () -> {
@@ -78,7 +78,7 @@ public class LoanChargeOffAccrualTest extends BaseLoanIntegrationTest {
final GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
final List<GetLoansLoanIdTransactions> transactions = loanDetails.getTransactions();
Assertions.assertTrue(transactions.stream().filter(o -> o.getType().getAccrual()).toList().size() == 2);
Assertions.assertTrue(transactions.stream().filter(o -> o.getType().getAccrual()).toList().size() == 3);
});
}
}