From f0cc697c6788927d0f42069c14277afc9663bf63 Mon Sep 17 00:00:00 2001 From: mariiaKraievska Date: Wed, 19 Feb 2025 14:38:03 +0200 Subject: [PATCH] FINERACT-2333: Accrual handling in case of Charged-off loan --- .../data/loanproduct/DefaultLoanProduct.java | 1 + .../LoanProductGlobalInitializerStep.java | 29 ++ .../fineract/test/support/TestContextKey.java | 1 + .../test/resources/features/BatchApi.feature | 1 + .../resources/features/LoanChargeOff.feature | 311 +++++++++++++++++- ...edPaymentScheduleTransactionProcessor.java | 83 ++++- ...ymentScheduleTransactionProcessorTest.java | 2 +- .../starter/LoanAccountAutoStarter.java | 8 +- ...eOffWithAdvancedPaymentAllocationTest.java | 1 + .../LoanChargeOffAccrualTest.java | 4 +- 10 files changed, 426 insertions(+), 15 deletions(-) diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java index 451333a06..6df7a71fd 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java @@ -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 diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java index c4a878807..36245f3f9 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java @@ -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 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, diff --git a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java index 40546c174..07902adfd 100644 --- a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java +++ b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java @@ -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"; diff --git a/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature b/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature index fd0702b8d..d76e10abb 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature @@ -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" \ No newline at end of file diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature index 3c4964770..4043996a9 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature @@ -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 | \ No newline at end of file + | 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 | diff --git a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java index 131951e9c..8d1855b7f 100644 --- a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java +++ b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java @@ -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 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 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); + } + } } diff --git a/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java b/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java index ca646447c..9a9a5ef1c 100644 --- a/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java +++ b/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java @@ -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); diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java index 0f7ce982f..fa20d4eee 100644 --- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java +++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java @@ -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); } } diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java index 802c3522f..06c63b642 100644 --- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java +++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java @@ -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) // ); }); diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java index 5c3730e93..cdd8415d5 100644 --- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java +++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java @@ -69,7 +69,7 @@ public class LoanChargeOffAccrualTest extends BaseLoanIntegrationTest { executeInlineCOB(loanId); final GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); final List 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 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); }); } }