| /** |
| * 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 static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertTrue; |
| |
| import com.google.common.collect.Streams; |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.concurrent.atomic.AtomicLong; |
| import java.util.stream.Stream; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostChargesResponse; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdChargesResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.junit.jupiter.api.Named; |
| import org.junit.jupiter.params.ParameterizedTest; |
| import org.junit.jupiter.params.provider.Arguments; |
| import org.junit.jupiter.params.provider.MethodSource; |
| |
| public class LoanWaiveChargeTest extends BaseLoanIntegrationTest { |
| |
| private static Stream<Arguments> processingStrategy() { |
| return Stream.of(Arguments.of(Named.of("originalStrategy", false)), // |
| Arguments.of(Named.of("advancedStrategy", true))); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void test_LoanPaidByDateIsCorrect_WhenNPlusOneInstallmentCharge_IsWaived(boolean advancedPaymentStrategy) { |
| double amount = 1000.0; |
| AtomicLong appliedLoanId = new AtomicLong(); |
| |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest product; |
| if (advancedPaymentStrategy) { |
| product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation(); |
| } else { |
| product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| } |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, 1); |
| if (advancedPaymentStrategy) { |
| applicationRequest = applicationRequest |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY); |
| } |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| appliedLoanId.set(loanId); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(amount), "01 January 2023"); |
| |
| // verify schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023")); |
| }); |
| runAt("02 February 2023", () -> { |
| Long loanId = appliedLoanId.get(); |
| |
| // create charge |
| double chargeAmount = 100.0; |
| PostChargesResponse chargeResult = createCharge(chargeAmount); |
| Long chargeId = chargeResult.getResourceId(); |
| |
| // add charge after maturity |
| PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "01 February 2023", chargeAmount); |
| Long loanChargeId = loanChargeResult.getResourceId(); |
| |
| // verify N+1 installment in schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023"), // |
| installment(0.0, 0.0, 100.0, 100.0, false, "01 February 2023") // |
| ); |
| |
| // waive charge |
| waiveLoanCharge(loanId, loanChargeId, 2); |
| }); |
| runAt("03 February 2023", () -> { |
| Long loanId = appliedLoanId.get(); |
| |
| // repay loan |
| addRepaymentForLoan(loanId, amount, "03 February 2023"); |
| |
| // verify maturity |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| |
| // verify N+1 installment completion |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 0.0, 0.0, true, "31 January 2023"), // |
| installment(0.0, 0.0, 100.0, 0.0, true, "01 February 2023") // |
| ); |
| |
| // verify obligationsMetOnDate for N+1 installment |
| LocalDate obligationsMetOnDate = Streams.findLast(loanDetails.getRepaymentSchedule().getPeriods().stream()).get() |
| .getObligationsMetOnDate(); |
| LocalDate expected = LocalDate.of(2023, 2, 1); |
| assertEquals(expected, obligationsMetOnDate); |
| }); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void accrualIsCalculatedWhenThereIsWaivedChargeAndLoanIsClosed(boolean advancedPaymentStrategy) { |
| double amount = 1000.0; |
| AtomicLong appliedLoanId = new AtomicLong(); |
| String LoanCoBJobName = "Loan COB"; |
| |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest product; |
| if (advancedPaymentStrategy) { |
| product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation(); |
| } else { |
| product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| } |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, 1); |
| if (advancedPaymentStrategy) { |
| applicationRequest = applicationRequest |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY); |
| } |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| appliedLoanId.set(loanId); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(amount), "01 January 2023"); |
| |
| // verify schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023")); |
| }); |
| |
| runAt("10 January 2023", () -> { |
| Long loanId = appliedLoanId.get(); |
| |
| // create charge |
| double chargeAmount = 10.0; |
| PostChargesResponse chargeResult = createCharge(chargeAmount); |
| Long chargeId = chargeResult.getResourceId(); |
| |
| PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "09 January 2023", chargeAmount); |
| loanChargeResult.getResourceId(); |
| this.schedulerJobHelper.executeAndAwaitJob(LoanCoBJobName); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 10.0, 1010.0, false, "31 January 2023") // |
| |
| ); |
| verifyTransactions(loanId, // |
| transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0)); |
| }); |
| runAt("11 January 2023", () -> { |
| Long loanId = appliedLoanId.get(); |
| |
| // create charge |
| double chargeAmount = 9.0; |
| PostChargesResponse chargeResult = createCharge(chargeAmount); |
| Long chargeId = chargeResult.getResourceId(); |
| |
| PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "10 January 2023", chargeAmount); |
| Long loanChargeId = loanChargeResult.getResourceId(); |
| this.schedulerJobHelper.executeAndAwaitJob(LoanCoBJobName); |
| // waive charge |
| waiveLoanCharge(loanId, loanChargeId, 1); |
| |
| verifyTransactions(loanId, // |
| transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0), // |
| transaction(9.0, "Accrual", "10 January 2023", 0.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), // |
| transaction(9.0, "Waive loan charges", "10 January 2023", 1000.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 19.0, 1010.0, false, "31 January 2023") // |
| ); |
| }); |
| |
| runAt("12 January 2023", () -> { |
| Long loanId = appliedLoanId.get(); |
| |
| // create charge |
| double chargeAmount = 8.0; |
| PostChargesResponse chargeResult = createCharge(chargeAmount); |
| Long chargeId = chargeResult.getResourceId(); |
| |
| PostLoansLoanIdChargesResponse loanChargeResult = addLoanCharge(loanId, chargeId, "11 January 2023", chargeAmount); |
| loanChargeResult.getResourceId(); |
| |
| loanTransactionHelper.makeLoanRepayment(loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("12 January 2023") |
| .dateFormat("dd MMMM yyyy").locale("en").transactionAmount(1018.0)); |
| |
| verifyTransactions(loanId, // |
| transaction(1000.0, "Disbursement", "01 January 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(10.0, "Accrual", "09 January 2023", 0.0, 0.0, 0.0, 10.0, 0.0, 0.0, 0.0), // |
| transaction(9.0, "Accrual", "10 January 2023", 0.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), // |
| transaction(9.0, "Waive loan charges", "10 January 2023", 1000.0, 0.0, 0.0, 9.0, 0.0, 0.0, 0.0), // |
| transaction(1018.0, "Repayment", "12 January 2023", 0.0, 1000.0, 0.0, 18.0, 0.0, 0.0, 0.0), // |
| transaction(8.0, "Accrual", "12 January 2023", 0.0, 0.0, 0.0, 8.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0.0, null, "01 January 2023"), // |
| installment(1000.0, 0.0, 27.0, 0.0, true, "31 January 2023") // |
| ); |
| }); |
| |
| } |
| } |
