FINERACT-1981: Update Payable Interest Calculation For LoanSummaryData

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanSummaryData.java

@@ -20,19 +20,10 @@ package org.apache.fineract.portfolio.loanaccount.data;
 
 import java.math.BigDecimal;
 import java.time.LocalDate;
-import java.util.Collection;
-import java.util.Optional;
 import lombok.Builder;
 import lombok.Data;
 import lombok.experimental.Accessors;
-import org.apache.fineract.infrastructure.core.service.DateUtils;
-import org.apache.fineract.infrastructure.core.service.MathUtil;
 import org.apache.fineract.organisation.monetary.data.CurrencyData;
-import org.apache.fineract.organisation.monetary.domain.Money;
-import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
-import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
-import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
-import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
 
 /**
  * Immutable data object representing loan summary information.
@@ -105,169 +96,4 @@ public class LoanSummaryData {
     private BigDecimal totalUnpaidPayableDueInterest;
     private BigDecimal totalUnpaidPayableNotDueInterest;
 
-    public static LoanSummaryData withTransactionAmountsSummary(final LoanSummaryData defaultSummaryData,
-            final LoanScheduleData repaymentSchedule, final Collection<LoanTransactionBalance> loanTransactionBalances) {
-        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
-
-        BigDecimal totalMerchantRefund = BigDecimal.ZERO;
-        BigDecimal totalMerchantRefundReversed = BigDecimal.ZERO;
-        BigDecimal totalPayoutRefund = BigDecimal.ZERO;
-        BigDecimal totalPayoutRefundReversed = BigDecimal.ZERO;
-        BigDecimal totalGoodwillCredit = BigDecimal.ZERO;
-        BigDecimal totalGoodwillCreditReversed = BigDecimal.ZERO;
-        BigDecimal totalChargeAdjustment = BigDecimal.ZERO;
-        BigDecimal totalChargeAdjustmentReversed = BigDecimal.ZERO;
-        BigDecimal totalChargeback = BigDecimal.ZERO;
-        BigDecimal totalCreditBalanceRefund = BigDecimal.ZERO;
-        BigDecimal totalCreditBalanceRefundReversed = BigDecimal.ZERO;
-        BigDecimal totalRepaymentTransaction = BigDecimal.ZERO;
-        BigDecimal totalRepaymentTransactionReversed = BigDecimal.ZERO;
-        BigDecimal totalInterestPaymentWaiver = BigDecimal.ZERO;
-        BigDecimal totalInterestRefund = BigDecimal.ZERO;
-        BigDecimal totalUnpaidPayableDueInterest = BigDecimal.ZERO;
-        BigDecimal totalUnpaidPayableNotDueInterest = BigDecimal.ZERO;
-
-        totalChargeAdjustment = fetchLoanTransactionBalanceByType(loanTransactionBalances,
-                LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
-        totalChargeAdjustmentReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
-
-        totalChargeback = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.CHARGEBACK.getValue());
-
-        totalCreditBalanceRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances,
-                LoanTransactionType.CREDIT_BALANCE_REFUND.getValue());
-        totalCreditBalanceRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.CREDIT_BALANCE_REFUND.getValue());
-
-        totalGoodwillCredit = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.GOODWILL_CREDIT.getValue());
-        totalGoodwillCreditReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.GOODWILL_CREDIT.getValue());
-
-        totalInterestRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.INTEREST_REFUND.getValue());
-
-        totalInterestPaymentWaiver = fetchLoanTransactionBalanceByType(loanTransactionBalances,
-                LoanTransactionType.INTEREST_PAYMENT_WAIVER.getValue());
-
-        totalMerchantRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances,
-                LoanTransactionType.MERCHANT_ISSUED_REFUND.getValue());
-        totalMerchantRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.MERCHANT_ISSUED_REFUND.getValue());
-
-        totalPayoutRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.PAYOUT_REFUND.getValue());
-        totalPayoutRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.PAYOUT_REFUND.getValue());
-
-        totalRepaymentTransaction = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.REPAYMENT.getValue())
-                .add(fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.DOWN_PAYMENT.getValue()));
-        totalRepaymentTransactionReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
-                LoanTransactionType.REPAYMENT.getValue());
-
-        if (repaymentSchedule != null) {
-            // Outstanding Interest on Past due installments
-            totalUnpaidPayableDueInterest = computeTotalUnpaidPayableDueInterestAmount(repaymentSchedule.getPeriods(), businessDate);
-
-            // Accumulated daily interest of the current Installment period
-            totalUnpaidPayableNotDueInterest = computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(repaymentSchedule.getPeriods(),
-                    businessDate, defaultSummaryData.currency);
-        }
-
-        return LoanSummaryData.builder().currency(defaultSummaryData.currency).principalDisbursed(defaultSummaryData.principalDisbursed)
-                .principalAdjustments(defaultSummaryData.principalAdjustments).principalPaid(defaultSummaryData.principalPaid)
-                .principalWrittenOff(defaultSummaryData.principalWrittenOff).principalOutstanding(defaultSummaryData.principalOutstanding)
-                .principalOverdue(defaultSummaryData.principalOverdue).interestCharged(defaultSummaryData.interestCharged)
-                .interestPaid(defaultSummaryData.interestPaid).interestWaived(defaultSummaryData.interestWaived)
-                .interestWrittenOff(defaultSummaryData.interestWrittenOff).interestOutstanding(defaultSummaryData.interestOutstanding)
-                .interestOverdue(defaultSummaryData.interestOverdue).feeChargesCharged(defaultSummaryData.feeChargesCharged)
-                .feeAdjustments(defaultSummaryData.feeAdjustments)
-                .feeChargesDueAtDisbursementCharged(defaultSummaryData.feeChargesDueAtDisbursementCharged)
-                .feeChargesPaid(defaultSummaryData.feeChargesPaid).feeChargesWaived(defaultSummaryData.feeChargesWaived)
-                .feeChargesWrittenOff(defaultSummaryData.feeChargesWrittenOff)
-                .feeChargesOutstanding(defaultSummaryData.feeChargesOutstanding).feeChargesOverdue(defaultSummaryData.feeChargesOverdue)
-                .penaltyChargesCharged(defaultSummaryData.penaltyChargesCharged).penaltyAdjustments(defaultSummaryData.penaltyAdjustments)
-                .penaltyChargesPaid(defaultSummaryData.penaltyChargesPaid).penaltyChargesWaived(defaultSummaryData.penaltyChargesWaived)
-                .penaltyChargesWrittenOff(defaultSummaryData.penaltyChargesWrittenOff)
-                .penaltyChargesOutstanding(defaultSummaryData.penaltyChargesOutstanding)
-                .penaltyChargesOverdue(defaultSummaryData.penaltyChargesOverdue)
-                .totalExpectedRepayment(defaultSummaryData.totalExpectedRepayment).totalRepayment(defaultSummaryData.totalRepayment)
-                .totalExpectedCostOfLoan(defaultSummaryData.totalExpectedCostOfLoan).totalCostOfLoan(defaultSummaryData.totalCostOfLoan)
-                .totalWaived(defaultSummaryData.totalWaived).totalWrittenOff(defaultSummaryData.totalWrittenOff)
-                .totalOutstanding(defaultSummaryData.totalOutstanding).totalOverdue(defaultSummaryData.totalOverdue)
-                .overdueSinceDate(defaultSummaryData.overdueSinceDate).writeoffReasonId(defaultSummaryData.writeoffReasonId)
-                .writeoffReason(defaultSummaryData.writeoffReason).totalRecovered(defaultSummaryData.totalRecovered)
-                .chargeOffReasonId(defaultSummaryData.chargeOffReasonId).chargeOffReason(defaultSummaryData.chargeOffReason)
-                .totalMerchantRefund(totalMerchantRefund).totalMerchantRefundReversed(totalMerchantRefundReversed)
-                .totalPayoutRefund(totalPayoutRefund).totalPayoutRefundReversed(totalPayoutRefundReversed)
-                .totalGoodwillCredit(totalGoodwillCredit).totalGoodwillCreditReversed(totalGoodwillCreditReversed)
-                .totalChargeAdjustment(totalChargeAdjustment).totalChargeAdjustmentReversed(totalChargeAdjustmentReversed)
-                .totalChargeback(totalChargeback).totalCreditBalanceRefund(totalCreditBalanceRefund)
-                .totalCreditBalanceRefundReversed(totalCreditBalanceRefundReversed).totalRepaymentTransaction(totalRepaymentTransaction)
-                .totalRepaymentTransactionReversed(totalRepaymentTransactionReversed).totalInterestPaymentWaiver(totalInterestPaymentWaiver)
-                .totalUnpaidPayableDueInterest(totalUnpaidPayableDueInterest)
-                .totalUnpaidPayableNotDueInterest(totalUnpaidPayableNotDueInterest).totalInterestRefund(totalInterestRefund).build();
-    }
-
-    private static BigDecimal fetchLoanTransactionBalanceByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
-            final Integer transactionType) {
-        final Optional<LoanTransactionBalance> optLoanTransactionBalance = loanTransactionBalances.stream()
-                .filter(balance -> balance.getTransactionType().equals(transactionType) && !balance.isReversed()).findFirst();
-        return optLoanTransactionBalance.isPresent() ? optLoanTransactionBalance.get().getAmount() : BigDecimal.ZERO;
-    }
-
-    private static BigDecimal fetchLoanTransactionBalanceReversedByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
-            final Integer transactionType) {
-        final Optional<LoanTransactionBalance> optLoanTransactionBalance = loanTransactionBalances.stream()
-                .filter(balance -> balance.getTransactionType().equals(transactionType) && balance.isReversed()
-                        && balance.isManuallyAdjustedOrReversed())
-                .findFirst();
-        return optLoanTransactionBalance.isPresent() ? optLoanTransactionBalance.get().getAmount() : BigDecimal.ZERO;
-    }
-
-    public static LoanSummaryData withOnlyCurrencyData(CurrencyData currencyData) {
-        return LoanSummaryData.builder().currency(currencyData).build();
-    }
-
-    private static BigDecimal computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData> periods,
-            final LocalDate businessDate) {
-        return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.compareTo(period.getDueDate()) >= 0)
-                .map(period -> period.getInterestOutstanding()).reduce(BigDecimal.ZERO, BigDecimal::add);
-    }
-
-    private static BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Collection<LoanSchedulePeriodData> periods,
-            final LocalDate businessDate, final CurrencyData currency) {
-        // Find the current Period (If exists one) based on the Business date
-        final Optional<LoanSchedulePeriodData> optCurrentPeriod = periods.stream()
-                .filter(period -> !period.getDownPaymentPeriod() && period.isActualPeriodForNotDuePayableCalculation(businessDate))
-                .findFirst();
-
-        if (optCurrentPeriod.isPresent()) {
-            final LoanSchedulePeriodData currentPeriod = optCurrentPeriod.get();
-            final long remainingDays = currentPeriod.getDaysInPeriod()
-                    - DateUtils.getDifferenceInDays(currentPeriod.getFromDate(), businessDate);
-
-            return computeAccruedInterestTillDay(currentPeriod, remainingDays, currency);
-        }
-        // Default value equal to Zero
-        return BigDecimal.ZERO;
-    }
-
-    public static BigDecimal computeAccruedInterestTillDay(final LoanSchedulePeriodData period, final long untilDay,
-            final CurrencyData currency) {
-        Integer remainingDays = period.getDaysInPeriod();
-        BigDecimal totalAccruedInterest = BigDecimal.ZERO;
-        while (remainingDays > untilDay) {
-            final BigDecimal accruedInterest = period.getInterestDue().subtract(totalAccruedInterest)
-                    .divide(BigDecimal.valueOf(remainingDays), MoneyHelper.getMathContext());
-            totalAccruedInterest = totalAccruedInterest.add(accruedInterest);
-            remainingDays--;
-        }
-
-        totalAccruedInterest = totalAccruedInterest.subtract(period.getInterestPaid()).subtract(period.getInterestWaived());
-        if (MathUtil.isLessThanZero(totalAccruedInterest)) {
-            // Set Zero If the Interest Paid + Waived is greather than Interest Accrued
-            totalAccruedInterest = BigDecimal.ZERO;
-        }
-
-        return Money.of(currency, totalAccruedInterest).getAmount();
-    }
-
 }

fineract-provider/src/main/java/org/apache/fineract/infrastructure/event/external/service/serialization/serializer/loan/LoanBusinessEventSerializer.java

@@ -35,11 +35,13 @@ import org.apache.fineract.portfolio.loanaccount.api.LoanApiConstants;
 import org.apache.fineract.portfolio.loanaccount.data.CollectionData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanAccountData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanChargeData;
-import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSummaryBalancesRepository;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariations;
 import org.apache.fineract.portfolio.loanaccount.service.LoanChargeReadPlatformService;
 import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryDataProvider;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryProviderDelegate;
+import org.springframework.context.annotation.Lazy;
 import org.springframework.stereotype.Component;
 
 @Component
@@ -52,6 +54,8 @@ public class LoanBusinessEventSerializer implements BusinessEventSerializer {
     private final DelinquencyReadPlatformService delinquencyReadPlatformService;
     private final LoanInstallmentLevelDelinquencyEventProducer installmentLevelDelinquencyEventProducer;
     private final LoanSummaryBalancesRepository loanSummaryBalancesRepository;
+    @Lazy
+    private final LoanSummaryProviderDelegate loanSummaryProviderDelegate;
 
     @Override
     public <T> boolean canSerialize(BusinessEvent<T> event) {
@@ -74,12 +78,15 @@ public class LoanBusinessEventSerializer implements BusinessEventSerializer {
         CollectionData delinquentData = delinquencyReadPlatformService.calculateLoanCollectionData(loanId);
         data.setDelinquent(delinquentData);
 
+        LoanSummaryDataProvider loanSummaryDataProvider = loanSummaryProviderDelegate
+                .resolveLoanSummaryDataProvider(data.getTransactionProcessingStrategyCode());
+
         if (data.getSummary() != null) {
-            data.setSummary(LoanSummaryData.withTransactionAmountsSummary(data.getSummary(), data.getRepaymentSchedule(),
-                    loanSummaryBalancesRepository.retrieveLoanSummaryBalancesByTransactionType(loanId,
+            data.setSummary(loanSummaryDataProvider.withTransactionAmountsSummary(event.get(), data.getSummary(),
+                    data.getRepaymentSchedule(), loanSummaryBalancesRepository.retrieveLoanSummaryBalancesByTransactionType(loanId,
                             LoanApiConstants.LOAN_SUMMARY_TRANSACTION_TYPES)));
         } else {
-            data.setSummary(LoanSummaryData.withOnlyCurrencyData(data.getCurrency()));
+            data.setSummary(loanSummaryDataProvider.withOnlyCurrencyData(data.getCurrency()));
         }
 
         List<LoanInstallmentDelinquencyBucketDataV1> installmentsDelinquencyData = installmentLevelDelinquencyEventProducer

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/InternalLoanInformationApiResource.java

@@ -27,7 +27,6 @@ import com.google.gson.Gson;
 import edu.umd.cs.findbugs.annotations.SuppressFBWarnings;
 import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.GET;
-import jakarta.ws.rs.POST;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.PathParam;
 import jakarta.ws.rs.Produces;
@@ -43,7 +42,6 @@ import org.apache.fineract.infrastructure.core.api.ApiRequestParameterHelper;
 import org.apache.fineract.infrastructure.core.boot.FineractProfiles;
 import org.apache.fineract.infrastructure.core.serialization.ApiRequestJsonSerializationSettings;
 import org.apache.fineract.infrastructure.core.serialization.ToApiJsonSerializer;
-import org.apache.fineract.portfolio.loanaccount.data.LoanRefundRequestData;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainService;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
@@ -158,23 +156,4 @@ public class InternalLoanInformationApiResource implements InitializingBean {
         final Loan loan = loanRepositoryWrapper.findOneWithNotFoundDetection(loanId);
         return advancedPaymentDataMapper.mapLoanPaymentAllocationRule(loan.getPaymentAllocationRules());
     }
-
-    @POST
-    @Path("{loanId}/apply-interest-refund")
-    @Consumes({ MediaType.APPLICATION_JSON })
-    @Produces({ MediaType.APPLICATION_JSON })
-    @SuppressFBWarnings("SLF4J_SIGN_ONLY_FORMAT")
-    public Long applyInterestRefundToLoan(@Context final UriInfo uriInfo, @PathParam("loanId") Long loanId,
-            final String apiRequestBodyAsJson) {
-        log.warn("------------------------------------------------------------");
-        log.warn("                                                            ");
-        log.warn("    Apply Loan Transaction to Interest Refund loanId {} ", loanId);
-        log.warn("                                                            ");
-        log.warn("------------------------------------------------------------");
-        LoanRefundRequestData loanRefundRequestData = gson.fromJson(apiRequestBodyAsJson, LoanRefundRequestData.class);
-        final Loan loan = loanRepositoryWrapper.findOneWithNotFoundDetection(loanId);
-        final LoanTransaction loanTransaction = loanAccountDomainService.applyInterestRefund(loan, loanRefundRequestData);
-        return loanTransaction.getId();
-    }
-
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/LoansApiResource.java

@@ -127,7 +127,6 @@ import org.apache.fineract.portfolio.loanaccount.data.LoanAccountData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanApprovalData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanChargeData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanCollateralManagementData;
-import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanTermVariationsData;
 import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionData;
 import org.apache.fineract.portfolio.loanaccount.data.PaidInAdvanceData;
@@ -150,6 +149,8 @@ import org.apache.fineract.portfolio.loanaccount.rescheduleloan.domain.LoanTermV
 import org.apache.fineract.portfolio.loanaccount.service.GLIMAccountInfoReadPlatformService;
 import org.apache.fineract.portfolio.loanaccount.service.LoanChargeReadPlatformService;
 import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryDataProvider;
+import org.apache.fineract.portfolio.loanaccount.service.LoanSummaryProviderDelegate;
 import org.apache.fineract.portfolio.loanproduct.LoanProductConstants;
 import org.apache.fineract.portfolio.loanproduct.data.LoanProductData;
 import org.apache.fineract.portfolio.loanproduct.data.TransactionProcessingStrategyData;
@@ -289,6 +290,7 @@ public class LoansApiResource {
     private final LoanSummaryBalancesRepository loanSummaryBalancesRepository;
     private final ClientReadPlatformService clientReadPlatformService;
     private final LoanTermVariationsRepository loanTermVariationsRepository;
+    private final LoanSummaryProviderDelegate loanSummaryProviderDelegate;
 
     /*
      * This template API is used for loan approval, ideally this should be invoked on loan that are pending for
@@ -1115,9 +1117,12 @@ public class LoansApiResource {
 
         // updating summary with transaction amounts summary
         if (loanBasicDetails.getSummary() != null) {
-            loanBasicDetails.setSummary(LoanSummaryData.withTransactionAmountsSummary(loanBasicDetails.getSummary(), repaymentSchedule,
-                    loanSummaryBalancesRepository.retrieveLoanSummaryBalancesByTransactionType(loanBasicDetails.getId(),
-                            LoanApiConstants.LOAN_SUMMARY_TRANSACTION_TYPES)));
+            LoanSummaryDataProvider loanSummaryDataProvider = loanSummaryProviderDelegate
+                    .resolveLoanSummaryDataProvider(loanBasicDetails.getTransactionProcessingStrategyCode());
+            loanBasicDetails.setSummary(
+                    loanSummaryDataProvider.withTransactionAmountsSummary(loanBasicDetails.getId(), loanBasicDetails.getSummary(),
+                            repaymentSchedule, loanSummaryBalancesRepository.retrieveLoanSummaryBalancesByTransactionType(
+                                    loanBasicDetails.getId(), LoanApiConstants.LOAN_SUMMARY_TRANSACTION_TYPES)));
         }
 
         final LoanAccountData loanAccount = loanBasicDetails.associationsAndTemplate(repaymentSchedule, loanRepayments, charges,

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/CommonLoanSummaryDataProvider.java

@@ -0,0 +1,173 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import java.util.Optional;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionType;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
+
+public abstract class CommonLoanSummaryDataProvider implements LoanSummaryDataProvider {
+
+    @Override
+    public LoanSummaryData withTransactionAmountsSummary(Loan loan, LoanSummaryData defaultSummaryData, LoanScheduleData repaymentSchedule,
+            Collection<LoanTransactionBalance> loanTransactionBalances) {
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+
+        BigDecimal totalMerchantRefund = BigDecimal.ZERO;
+        BigDecimal totalMerchantRefundReversed = BigDecimal.ZERO;
+        BigDecimal totalPayoutRefund = BigDecimal.ZERO;
+        BigDecimal totalPayoutRefundReversed = BigDecimal.ZERO;
+        BigDecimal totalGoodwillCredit = BigDecimal.ZERO;
+        BigDecimal totalGoodwillCreditReversed = BigDecimal.ZERO;
+        BigDecimal totalChargeAdjustment = BigDecimal.ZERO;
+        BigDecimal totalChargeAdjustmentReversed = BigDecimal.ZERO;
+        BigDecimal totalChargeback = BigDecimal.ZERO;
+        BigDecimal totalCreditBalanceRefund = BigDecimal.ZERO;
+        BigDecimal totalCreditBalanceRefundReversed = BigDecimal.ZERO;
+        BigDecimal totalRepaymentTransaction = BigDecimal.ZERO;
+        BigDecimal totalRepaymentTransactionReversed = BigDecimal.ZERO;
+        BigDecimal totalInterestPaymentWaiver = BigDecimal.ZERO;
+        BigDecimal totalInterestRefund = BigDecimal.ZERO;
+        BigDecimal totalUnpaidPayableDueInterest = BigDecimal.ZERO;
+        BigDecimal totalUnpaidPayableNotDueInterest = BigDecimal.ZERO;
+
+        totalChargeAdjustment = fetchLoanTransactionBalanceByType(loanTransactionBalances,
+                LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
+        totalChargeAdjustmentReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.CHARGE_ADJUSTMENT.getValue());
+
+        totalChargeback = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.CHARGEBACK.getValue());
+
+        totalCreditBalanceRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances,
+                LoanTransactionType.CREDIT_BALANCE_REFUND.getValue());
+        totalCreditBalanceRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.CREDIT_BALANCE_REFUND.getValue());
+
+        totalGoodwillCredit = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.GOODWILL_CREDIT.getValue());
+        totalGoodwillCreditReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.GOODWILL_CREDIT.getValue());
+
+        totalInterestRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.INTEREST_REFUND.getValue());
+
+        totalInterestPaymentWaiver = fetchLoanTransactionBalanceByType(loanTransactionBalances,
+                LoanTransactionType.INTEREST_PAYMENT_WAIVER.getValue());
+
+        totalMerchantRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances,
+                LoanTransactionType.MERCHANT_ISSUED_REFUND.getValue());
+        totalMerchantRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.MERCHANT_ISSUED_REFUND.getValue());
+
+        totalPayoutRefund = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.PAYOUT_REFUND.getValue());
+        totalPayoutRefundReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.PAYOUT_REFUND.getValue());
+
+        totalRepaymentTransaction = fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.REPAYMENT.getValue())
+                .add(fetchLoanTransactionBalanceByType(loanTransactionBalances, LoanTransactionType.DOWN_PAYMENT.getValue()));
+        totalRepaymentTransactionReversed = fetchLoanTransactionBalanceReversedByType(loanTransactionBalances,
+                LoanTransactionType.REPAYMENT.getValue());
+
+        if (repaymentSchedule != null) {
+            // Outstanding Interest on Past due installments
+            totalUnpaidPayableDueInterest = computeTotalUnpaidPayableDueInterestAmount(repaymentSchedule.getPeriods(), businessDate);
+
+            // Accumulated daily interest of the current Installment period
+            totalUnpaidPayableNotDueInterest = computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(loan,
+                    repaymentSchedule.getPeriods(), businessDate, defaultSummaryData.getCurrency());
+        }
+
+        return LoanSummaryData.builder().currency(defaultSummaryData.getCurrency())
+                .principalDisbursed(defaultSummaryData.getPrincipalDisbursed())
+                .principalAdjustments(defaultSummaryData.getPrincipalAdjustments()).principalPaid(defaultSummaryData.getPrincipalPaid())
+                .principalWrittenOff(defaultSummaryData.getPrincipalWrittenOff())
+                .principalOutstanding(defaultSummaryData.getPrincipalOutstanding())
+                .principalOverdue(defaultSummaryData.getPrincipalOverdue()).interestCharged(defaultSummaryData.getInterestCharged())
+                .interestPaid(defaultSummaryData.getInterestPaid()).interestWaived(defaultSummaryData.getInterestWaived())
+                .interestWrittenOff(defaultSummaryData.getInterestWrittenOff())
+                .interestOutstanding(defaultSummaryData.getInterestOutstanding()).interestOverdue(defaultSummaryData.getInterestOverdue())
+                .feeChargesCharged(defaultSummaryData.getFeeChargesCharged()).feeAdjustments(defaultSummaryData.getFeeAdjustments())
+                .feeChargesDueAtDisbursementCharged(defaultSummaryData.getFeeChargesDueAtDisbursementCharged())
+                .feeChargesPaid(defaultSummaryData.getFeeChargesPaid()).feeChargesWaived(defaultSummaryData.getFeeChargesWaived())
+                .feeChargesWrittenOff(defaultSummaryData.getFeeChargesWrittenOff())
+                .feeChargesOutstanding(defaultSummaryData.getFeeChargesOutstanding())
+                .feeChargesOverdue(defaultSummaryData.getFeeChargesOverdue())
+                .penaltyChargesCharged(defaultSummaryData.getPenaltyChargesCharged())
+                .penaltyAdjustments(defaultSummaryData.getPenaltyAdjustments())
+                .penaltyChargesPaid(defaultSummaryData.getPenaltyChargesPaid())
+                .penaltyChargesWaived(defaultSummaryData.getPenaltyChargesWaived())
+                .penaltyChargesWrittenOff(defaultSummaryData.getPenaltyChargesWrittenOff())
+                .penaltyChargesOutstanding(defaultSummaryData.getPenaltyChargesOutstanding())
+                .penaltyChargesOverdue(defaultSummaryData.getPenaltyChargesOverdue())
+                .totalExpectedRepayment(defaultSummaryData.getTotalExpectedRepayment())
+                .totalRepayment(defaultSummaryData.getTotalRepayment())
+                .totalExpectedCostOfLoan(defaultSummaryData.getTotalExpectedCostOfLoan())
+                .totalCostOfLoan(defaultSummaryData.getTotalCostOfLoan()).totalWaived(defaultSummaryData.getTotalWaived())
+                .totalWrittenOff(defaultSummaryData.getTotalWrittenOff()).totalOutstanding(defaultSummaryData.getTotalOutstanding())
+                .totalOverdue(defaultSummaryData.getTotalOverdue()).overdueSinceDate(defaultSummaryData.getOverdueSinceDate())
+                .writeoffReasonId(defaultSummaryData.getWriteoffReasonId()).writeoffReason(defaultSummaryData.getWriteoffReason())
+                .totalRecovered(defaultSummaryData.getTotalRecovered()).chargeOffReasonId(defaultSummaryData.getChargeOffReasonId())
+                .chargeOffReason(defaultSummaryData.getChargeOffReason()).totalMerchantRefund(totalMerchantRefund)
+                .totalMerchantRefundReversed(totalMerchantRefundReversed).totalPayoutRefund(totalPayoutRefund)
+                .totalPayoutRefundReversed(totalPayoutRefundReversed).totalGoodwillCredit(totalGoodwillCredit)
+                .totalGoodwillCreditReversed(totalGoodwillCreditReversed).totalChargeAdjustment(totalChargeAdjustment)
+                .totalChargeAdjustmentReversed(totalChargeAdjustmentReversed).totalChargeback(totalChargeback)
+                .totalCreditBalanceRefund(totalCreditBalanceRefund).totalCreditBalanceRefundReversed(totalCreditBalanceRefundReversed)
+                .totalRepaymentTransaction(totalRepaymentTransaction).totalRepaymentTransactionReversed(totalRepaymentTransactionReversed)
+                .totalInterestPaymentWaiver(totalInterestPaymentWaiver).totalUnpaidPayableDueInterest(totalUnpaidPayableDueInterest)
+                .totalUnpaidPayableNotDueInterest(totalUnpaidPayableNotDueInterest).totalInterestRefund(totalInterestRefund).build();
+    }
+
+    private static BigDecimal fetchLoanTransactionBalanceByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
+            final Integer transactionType) {
+        final Optional<LoanTransactionBalance> optLoanTransactionBalance = loanTransactionBalances.stream()
+                .filter(balance -> balance.getTransactionType().equals(transactionType) && !balance.isReversed()).findFirst();
+        return optLoanTransactionBalance.isPresent() ? optLoanTransactionBalance.get().getAmount() : BigDecimal.ZERO;
+    }
+
+    private static BigDecimal fetchLoanTransactionBalanceReversedByType(final Collection<LoanTransactionBalance> loanTransactionBalances,
+            final Integer transactionType) {
+        final Optional<LoanTransactionBalance> optLoanTransactionBalance = loanTransactionBalances.stream()
+                .filter(balance -> balance.getTransactionType().equals(transactionType) && balance.isReversed()
+                        && balance.isManuallyAdjustedOrReversed())
+                .findFirst();
+        return optLoanTransactionBalance.isPresent() ? optLoanTransactionBalance.get().getAmount() : BigDecimal.ZERO;
+    }
+
+    @Override
+    public BigDecimal computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData> periods, final LocalDate businessDate) {
+        return periods.stream().filter(period -> !period.getDownPaymentPeriod() && businessDate.compareTo(period.getDueDate()) >= 0)
+                .map(LoanSchedulePeriodData::getInterestOutstanding).reduce(BigDecimal.ZERO, BigDecimal::add);
+    }
+
+    @Override
+    public LoanSummaryData withOnlyCurrencyData(CurrencyData currencyData) {
+        {
+            return LoanSummaryData.builder().currency(currencyData).build();
+        }
+    }
+
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/CumulativeLoanSummaryDataProvider.java

@@ -0,0 +1,90 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import java.util.Optional;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.MathUtil;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
+import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
+import org.springframework.stereotype.Component;
+
+@Component
+public class CumulativeLoanSummaryDataProvider extends CommonLoanSummaryDataProvider {
+
+    @Override
+    public boolean accept(String loanProcessingStrategyCode) {
+        return !loanProcessingStrategyCode.equalsIgnoreCase("advanced-payment-allocation-strategy");
+    }
+
+    @Override
+    public BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Loan loan,
+            final Collection<LoanSchedulePeriodData> periods, final LocalDate businessDate, final CurrencyData currency) {
+        // Find the current Period (If exists one) based on the Business date
+        final Optional<LoanSchedulePeriodData> optCurrentPeriod = periods.stream()
+                .filter(period -> !period.getDownPaymentPeriod() && period.isActualPeriodForNotDuePayableCalculation(businessDate))
+                .findFirst();
+
+        if (optCurrentPeriod.isPresent()) {
+            final LoanSchedulePeriodData currentPeriod = optCurrentPeriod.get();
+            final long remainingDays = currentPeriod.getDaysInPeriod()
+                    - DateUtils.getDifferenceInDays(currentPeriod.getFromDate(), businessDate);
+
+            return computeAccruedInterestTillDay(currentPeriod, remainingDays, currency);
+        }
+        // Default value equal to Zero
+        return BigDecimal.ZERO;
+    }
+
+    @Override
+    public LoanSummaryData withTransactionAmountsSummary(Long loanId, LoanSummaryData defaultSummaryData,
+            LoanScheduleData repaymentSchedule, Collection<LoanTransactionBalance> loanTransactionBalances) {
+        Loan loan = null;
+        return super.withTransactionAmountsSummary(loan, defaultSummaryData, repaymentSchedule, loanTransactionBalances);
+    }
+
+    private static BigDecimal computeAccruedInterestTillDay(final LoanSchedulePeriodData period, final long untilDay,
+            final CurrencyData currency) {
+        Integer remainingDays = period.getDaysInPeriod();
+        BigDecimal totalAccruedInterest = BigDecimal.ZERO;
+        while (remainingDays > untilDay) {
+            final BigDecimal accruedInterest = period.getInterestDue().subtract(totalAccruedInterest)
+                    .divide(BigDecimal.valueOf(remainingDays), MoneyHelper.getMathContext());
+            totalAccruedInterest = totalAccruedInterest.add(accruedInterest);
+            remainingDays--;
+        }
+
+        totalAccruedInterest = totalAccruedInterest.subtract(period.getInterestPaid()).subtract(period.getInterestWaived());
+        if (MathUtil.isLessThanZero(totalAccruedInterest)) {
+            // Set Zero If the Interest Paid + Waived is greather than Interest Accrued
+            totalAccruedInterest = BigDecimal.ZERO;
+        }
+
+        return Money.of(currency, totalAccruedInterest).getAmount();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanSummaryDataProvider.java

@@ -0,0 +1,47 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
+
+public interface LoanSummaryDataProvider {
+
+    BigDecimal computeTotalUnpaidPayableDueInterestAmount(Collection<LoanSchedulePeriodData> periods, LocalDate businessDate);
+
+    BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(Loan loan, Collection<LoanSchedulePeriodData> periods,
+            LocalDate businessDate, CurrencyData currency);
+
+    LoanSummaryData withOnlyCurrencyData(CurrencyData currencyData);
+
+    LoanSummaryData withTransactionAmountsSummary(Long loanId, LoanSummaryData defaultSummaryData, LoanScheduleData repaymentSchedule,
+            Collection<LoanTransactionBalance> loanTransactionBalances);
+
+    LoanSummaryData withTransactionAmountsSummary(Loan loan, LoanSummaryData defaultSummaryData, LoanScheduleData repaymentSchedule,
+            Collection<LoanTransactionBalance> loanTransactionBalances);
+
+    boolean accept(String loanProcessingStrategyCode);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanSummaryProviderDelegate.java

@@ -0,0 +1,35 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.util.List;
+import lombok.AllArgsConstructor;
+import org.springframework.stereotype.Component;
+
+@Component
+@AllArgsConstructor
+public class LoanSummaryProviderDelegate {
+
+    private final List<LoanSummaryDataProvider> loanSummaryDataProviders;
+
+    public LoanSummaryDataProvider resolveLoanSummaryDataProvider(String loanProcessingStrategyCode) {
+        return loanSummaryDataProviders.stream().filter(provider -> provider.accept(loanProcessingStrategyCode)).findAny()
+                .orElseThrow(() -> new IllegalArgumentException("No provider found for :" + loanProcessingStrategyCode));
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/ProgressiveLoanSummaryDataProvider.java

@@ -0,0 +1,110 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import java.util.List;
+import lombok.AllArgsConstructor;
+import org.apache.commons.lang3.tuple.Pair;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanSummaryData;
+import org.apache.fineract.portfolio.loanaccount.data.LoanTransactionBalance;
+import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleData;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanSchedulePeriodData;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.PeriodDueDetails;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.ProgressiveLoanInterestScheduleModel;
+import org.apache.fineract.portfolio.loanproduct.calc.EMICalculator;
+import org.springframework.stereotype.Component;
+
+@Component
+@AllArgsConstructor
+public class ProgressiveLoanSummaryDataProvider extends CommonLoanSummaryDataProvider {
+
+    private final AdvancedPaymentScheduleTransactionProcessor advancedPaymentScheduleTransactionProcessor;
+    private final EMICalculator emiCalculator;
+    private final LoanRepositoryWrapper loanRepository;
+
+    @Override
+    public boolean accept(String loanProcessingStrategyCode) {
+        return loanProcessingStrategyCode.equalsIgnoreCase("advanced-payment-allocation-strategy");
+    }
+
+    @Override
+    public LoanSummaryData withTransactionAmountsSummary(Long loanId, LoanSummaryData defaultSummaryData,
+            LoanScheduleData repaymentSchedule, Collection<LoanTransactionBalance> loanTransactionBalances) {
+        final Loan loan = loanRepository.findOneWithNotFoundDetection(loanId, true);
+        return super.withTransactionAmountsSummary(loan, defaultSummaryData, repaymentSchedule, loanTransactionBalances);
+    }
+
+    @Override
+    public LoanSummaryData withTransactionAmountsSummary(Loan loan, LoanSummaryData defaultSummaryData, LoanScheduleData repaymentSchedule,
+            Collection<LoanTransactionBalance> loanTransactionBalances) {
+        return super.withTransactionAmountsSummary(loan, defaultSummaryData, repaymentSchedule, loanTransactionBalances);
+    }
+
+    private LoanRepaymentScheduleInstallment getRelatedRepaymentScheduleInstallment(Loan loan, LocalDate businessDate) {
+        return loan.getRepaymentScheduleInstallments().stream().filter(i -> !i.isDownPayment() && !i.isAdditional()
+                && !businessDate.isBefore(i.getFromDate()) && businessDate.isBefore(i.getDueDate())).findFirst().orElseGet(() -> {
+                    List<LoanRepaymentScheduleInstallment> list = loan.getRepaymentScheduleInstallments().stream()
+                            .filter(i -> !i.isDownPayment() && !i.isAdditional()).toList();
+                    return !list.isEmpty() ? list.get(list.size() - 1) : null;
+                });
+    }
+
+    @Override
+    public BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Loan loan,
+            final Collection<LoanSchedulePeriodData> periods, final LocalDate businessDate, final CurrencyData currency) {
+
+        LoanRepaymentScheduleInstallment loanRepaymentScheduleInstallment = getRelatedRepaymentScheduleInstallment(loan, businessDate);
+        if (loan.isInterestBearing() && loanRepaymentScheduleInstallment != null) {
+            List<LoanTransaction> transactionsToReprocess = loan.retrieveListOfTransactionsForReprocessing().stream()
+                    .filter(t -> !t.isAccrualActivity()).toList();
+            Pair<ChangedTransactionDetail, ProgressiveLoanInterestScheduleModel> changedTransactionDetailProgressiveLoanInterestScheduleModelPair = advancedPaymentScheduleTransactionProcessor
+                    .reprocessProgressiveLoanTransactions(loan.getDisbursementDate(), businessDate, transactionsToReprocess,
+                            loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges());
+            ProgressiveLoanInterestScheduleModel model = changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getRight();
+            if (!changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getLeft().getCurrentTransactionToOldId().isEmpty()
+                    || !changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getLeft().getNewTransactionMappings().isEmpty()) {
+                throw new RuntimeException("Transactions should not be reverse replayed!");
+            }
+            if (model != null) {
+                PeriodDueDetails dueAmounts = emiCalculator.getDueAmounts(model, loanRepaymentScheduleInstallment.getDueDate(),
+                        businessDate);
+                if (dueAmounts != null) {
+                    BigDecimal interestPaid = loanRepaymentScheduleInstallment.getInterestPaid();
+                    BigDecimal dueInterest = dueAmounts.getDueInterest().getAmount();
+                    if (interestPaid == null) {
+                        return dueInterest;
+                    }
+                    return dueInterest.subtract(interestPaid);
+                }
+            }
+        }
+
+        return BigDecimal.ZERO;
+    }
+}

integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java

@@ -4674,6 +4674,28 @@ public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoan
             assertEquals(new BigDecimal("0.05"), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
         });
 
+        runAt("31 January 2024", () -> {
+            // Generate the Accruals
+            final PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec,
+                    responseSpec);
+            periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("31 January 2024");
+
+            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
+            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+            assertEquals(new BigDecimal("0.09"), loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+        });
+
+        runAt("1 February 2024", () -> {
+            // Generate the Accruals
+            final PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec,
+                    responseSpec);
+            periodicAccrualAccountingHelper.runPeriodicAccrualAccounting("1 February 2024");
+
+            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
+            assertEquals(new BigDecimal("0.12"), loanDetails.getSummary().getTotalUnpaidPayableDueInterest().stripTrailingZeros());
+            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().stripTrailingZeros());
+        });
+
         // Not Due and Due Interest
         runAt("20 February 2024", () -> {
             final PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(requestSpec,

integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanPrepayAmountTest.java

@@ -0,0 +1,61 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.integrationtests;
+
+import java.math.BigDecimal;
+import java.util.HashMap;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.client.models.GetLoansLoanIdResponse;
+import org.apache.fineract.client.models.PostLoanProductsResponse;
+import org.apache.fineract.client.models.PostLoansResponse;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.junit.Test;
+import org.junit.jupiter.api.Assertions;
+
+@Slf4j
+public class LoanPrepayAmountTest extends BaseLoanIntegrationTest {
+
+    Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+    Long loanId;
+
+    @Test
+    public void testLoanPrepayAmountProgressive() {
+        runAt("1 January 2024", () -> {
+            final PostLoanProductsResponse loanProductsResponse = loanProductHelper.createLoanProduct(create4IProgressive());
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applyLP2ProgressiveLoanRequest(clientId,
+                    loanProductsResponse.getResourceId(), "01 January 2024", 1000.0, 9.99, 6, null));
+            loanId = postLoansResponse.getLoanId();
+            loanTransactionHelper.approveLoan(loanId, approveLoanRequest(1000.0, "01 January 2024"));
+            disburseLoan(loanId, BigDecimal.valueOf(250.0), "01 January 2024");
+        });
+        runAt("7 january 2024", () -> {
+            disburseLoan(loanId, BigDecimal.valueOf(350.0), "04 January 2024");
+            disburseLoan(loanId, BigDecimal.valueOf(400.0), "05 January 2024");
+        });
+        for (int i = 7; i <= 31; i++) {
+            runAt(i + " January 2024", () -> {
+                GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
+                HashMap prepayAmount = loanTransactionHelper.getPrepayAmount(requestSpec, responseSpec, loanId.intValue());
+                Assertions.assertEquals((float) prepayAmount.get("interestPortion"),
+                        loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest().floatValue());
+            });
+        }
+    }
+
+}

integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRefundTransactionTest.java

@@ -18,11 +18,6 @@
  */
 package org.apache.fineract.integrationtests;
 
-import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.InterestRateFrequencyType.YEARS;
-import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.RepaymentFrequencyType.DAYS;
-import static org.junit.jupiter.api.Assertions.assertEquals;
-
-import com.google.gson.Gson;
 import io.restassured.builder.RequestSpecBuilder;
 import io.restassured.builder.ResponseSpecBuilder;
 import io.restassured.http.ContentType;
@@ -30,22 +25,16 @@ import io.restassured.specification.RequestSpecification;
 import io.restassured.specification.ResponseSpecification;
 import java.math.BigDecimal;
 import java.util.ArrayList;
-import java.util.HashMap;
-import java.util.concurrent.atomic.AtomicLong;
 import org.apache.fineract.client.models.GetLoansLoanIdResponse;
-import org.apache.fineract.client.models.PostLoanProductsRequest;
 import org.apache.fineract.client.models.PostLoanProductsResponse;
-import org.apache.fineract.client.models.PostLoansLoanIdRequest;
 import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
 import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
-import org.apache.fineract.client.models.PostLoansRequest;
 import org.apache.fineract.client.models.PostLoansResponse;
 import org.apache.fineract.integrationtests.common.BusinessDateHelper;
 import org.apache.fineract.integrationtests.common.ClientHelper;
 import org.apache.fineract.integrationtests.common.LoanRescheduleRequestHelper;
 import org.apache.fineract.integrationtests.common.Utils;
 import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
-import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
 import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
 import org.junit.jupiter.api.Assertions;
 import org.junit.jupiter.api.BeforeAll;
@@ -78,158 +67,6 @@ public class LoanRefundTransactionTest extends BaseLoanIntegrationTest {
         loanRescheduleRequestHelper = new LoanRescheduleRequestHelper(requestSpec, responseSpec);
     }
 
-    // UC1: (Internal case) Generate a totalInterestRefund using Advanced payment allocation with Interest Refund
-    // options and Apply
-    // Interest Refund transaction
-    // 1. Create a Loan product with Adv. Pment. Alloc. and with Accrual and Interest Refund
-    // 2. Submit, Approve and Disburse a Loan account
-    // 3. Apply the INTEREST_REFUND transaction to validate the Journal Entries generated
-    @Test
-    public void uc1() {
-        final String operationDate = "1 January 2024";
-        AtomicLong createdLoanId = new AtomicLong();
-        runAt(operationDate, () -> {
-            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
-            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
-                    .interestRatePerPeriod(108.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS)
-                    .interestRateFrequencyType(YEARS).daysInMonthType(DaysInMonthType.ACTUAL).daysInYearType(DaysInYearType.DAYS_360)
-                    .numberOfRepayments(4)//
-                    .maxInterestRatePerPeriod((double) 110)//
-                    .repaymentEvery(1)//
-                    .repaymentFrequencyType(1L)//
-                    .allowPartialPeriodInterestCalcualtion(false)//
-                    .multiDisburseLoan(false)//
-                    .disallowExpectedDisbursements(null)//
-                    .allowApprovedDisbursedAmountsOverApplied(null)//
-                    .overAppliedCalculationType(null)//
-                    .overAppliedNumber(null)//
-                    .installmentAmountInMultiplesOf(null)//
-            ;//
-            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
-            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), operationDate, 1000.0, 4)
-                    .interestRatePerPeriod(BigDecimal.valueOf(108.0));
-
-            applicationRequest = applicationRequest.interestCalculationPeriodType(DAYS)
-                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY);
-
-            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
-            createdLoanId.set(loanResponse.getLoanId());
-
-            loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
-                    new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000.0)).dateFormat(DATETIME_PATTERN)
-                            .approvedOnDate("1 January 2024").locale("en"));
-
-            loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
-                    new PostLoansLoanIdRequest().actualDisbursementDate("1 January 2024").dateFormat(DATETIME_PATTERN)
-                            .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en"));
-
-            // After Disbursement we are expecting zero interest refund
-            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
-            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-        });
-
-        runAt("10 February 2024", () -> {
-            // After Interest refund transaction we are expecting non zero interest refund
-            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
-            LOG.info("value {}", loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-
-            final BigDecimal inteterestRefund = BigDecimal.valueOf(11);
-            final Long loanTransactionId = loanTransactionHelper.applyInterestRefundLoanTransaction(requestSpec, responseSpec,
-                    createdLoanId.get(), buildJsonBody(BigDecimal.valueOf(5.0), BigDecimal.valueOf(3.0), BigDecimal.valueOf(2.0),
-                            BigDecimal.valueOf(1.0), null));
-
-            loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
-            assertEquals(inteterestRefund, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-
-            verifyTRJournalEntries(loanTransactionId, journalEntry(5.0, loansReceivableAccount, "CREDIT"),
-                    journalEntry(3.0, interestReceivableAccount, "CREDIT"), journalEntry(2.0, feeReceivableAccount, "CREDIT"),
-                    journalEntry(1.0, penaltyReceivableAccount, "CREDIT"), journalEntry(11.0, overpaymentAccount, "CREDIT"),
-                    journalEntry(22.0, interestIncomeAccount, "DEBIT"));
-        });
-    }
-
-    // UC2: (Internal case) Generate a totalInterestRefund using Advanced payment allocation with Interest Refund
-    // options and Apply
-    // Interest Refund transaction when the Loan Account is ChargeBack
-    // 1. Create a Loan product with Adv. Pment. Alloc. and with Accrual and Interest Refund
-    // 2. Submit, Approve and Disburse a Loan account
-    // 3. Apply the MERCHANT_ISSUED_REFUND transaction to validate totalInterestRefund different than Zero
-    // 4- Apply the INTEREST_REFUND transaction to validate the Journal Entries generated
-    @Test
-    public void uc2() {
-        final String operationDate = "1 January 2024";
-        AtomicLong createdLoanId = new AtomicLong();
-        runAt(operationDate, () -> {
-            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
-            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation()
-                    .interestRatePerPeriod(108.0).interestCalculationPeriodType(RepaymentFrequencyType.DAYS)
-                    .interestRateFrequencyType(YEARS).daysInMonthType(DaysInMonthType.ACTUAL).daysInYearType(DaysInYearType.DAYS_360)
-                    .numberOfRepayments(4)//
-                    .maxInterestRatePerPeriod((double) 110)//
-                    .repaymentEvery(1)//
-                    .repaymentFrequencyType(1L)//
-                    .allowPartialPeriodInterestCalcualtion(false)//
-                    .multiDisburseLoan(false)//
-                    .disallowExpectedDisbursements(null)//
-                    .allowApprovedDisbursedAmountsOverApplied(null)//
-                    .overAppliedCalculationType(null)//
-                    .overAppliedNumber(null)//
-                    .installmentAmountInMultiplesOf(null)//
-            ;//
-            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
-            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), operationDate, 1000.0, 4)
-                    .interestRatePerPeriod(BigDecimal.valueOf(108.0));
-
-            applicationRequest = applicationRequest.interestCalculationPeriodType(DAYS)
-                    .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY);
-
-            PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest);
-            createdLoanId.set(loanResponse.getLoanId());
-
-            loanTransactionHelper.approveLoan(loanResponse.getLoanId(),
-                    new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000.0)).dateFormat(DATETIME_PATTERN)
-                            .approvedOnDate("1 January 2024").locale("en"));
-
-            loanTransactionHelper.disburseLoan(loanResponse.getLoanId(),
-                    new PostLoansLoanIdRequest().actualDisbursementDate("1 January 2024").dateFormat(DATETIME_PATTERN)
-                            .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en"));
-
-            // After Disbursement we are expecting zero interest refund
-            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId());
-            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-        });
-
-        runAt("1 February 2024", () -> {
-            // After Interest refund transaction we are expecting non zero interest refund
-            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
-            LOG.info("value {}", loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-
-            Long repayment1TransactionId = addRepaymentForLoan(createdLoanId.get(), 250.0, "1 February 2024");
-            chargeOffLoan(createdLoanId.get(), "1 February 2024");
-        });
-
-        runAt("10 February 2024", () -> {
-            // After Interest refund transaction we are expecting non zero interest refund
-            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
-            LOG.info("value {}", loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-            LOG.info("chargedOffOnDate {}", loanDetails.getTimeline().getChargedOffOnDate());
-            assertEquals(BigDecimal.ZERO, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-
-            final BigDecimal inteterestRefund = BigDecimal.valueOf(11);
-            final Long loanTransactionId = loanTransactionHelper.applyInterestRefundLoanTransaction(requestSpec, responseSpec,
-                    createdLoanId.get(), buildJsonBody(BigDecimal.valueOf(5.0), BigDecimal.valueOf(3.0), BigDecimal.valueOf(2.0),
-                            BigDecimal.valueOf(1.0), null));
-
-            loanDetails = loanTransactionHelper.getLoanDetails(createdLoanId.get());
-            assertEquals(inteterestRefund, loanDetails.getSummary().getTotalInterestRefund().stripTrailingZeros());
-
-            verifyTRJournalEntries(loanTransactionId, journalEntry(11.0, interestIncomeChargeOffAccount, "CREDIT"),
-                    journalEntry(11.0, overpaymentAccount, "CREDIT"), journalEntry(22.0, interestIncomeAccount, "DEBIT"));
-        });
-    }
-
     @Test
     public void testMerchantIssuedRefundCreatesAndReversesInterestRefund() {
         runAt("01 July 2024", () -> {
@@ -292,20 +129,6 @@ public class LoanRefundTransactionTest extends BaseLoanIntegrationTest {
         });
     }
 
-    private String buildJsonBody(final BigDecimal principal, final BigDecimal interest, final BigDecimal feeCharges,
-            final BigDecimal penaltyCharges, final BigDecimal overpayment) {
-        final HashMap<String, BigDecimal> map = new HashMap<>();
-        map.put("principal", principal);
-        map.put("interest", interest);
-        map.put("feeCharges", feeCharges);
-        map.put("penaltyCharges", penaltyCharges);
-        if (overpayment != null) {
-            map.put("overpayment", overpayment);
-        }
-
-        return new Gson().toJson(map);
-    }
-
     private Long createLoanForMerchantIssuedRefundWithInterestRefund(Long clientId) {
         return createLoanForRefundWithInterestRefund(clientId, "MERCHANT_ISSUED_REFUND");
     }