| /** |
| * 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.assertNotNull; |
| import static org.junit.jupiter.api.Assertions.assertThrows; |
| import static org.junit.jupiter.api.Assertions.assertTrue; |
| |
| import io.restassured.builder.RequestSpecBuilder; |
| import io.restassured.builder.ResponseSpecBuilder; |
| import io.restassured.http.ContentType; |
| import io.restassured.specification.RequestSpecification; |
| import io.restassured.specification.ResponseSpecification; |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.ArrayList; |
| import java.util.Arrays; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.UUID; |
| import java.util.concurrent.atomic.AtomicInteger; |
| import java.util.stream.Collectors; |
| import org.apache.fineract.client.models.AdvancedPaymentData; |
| import org.apache.fineract.client.models.BusinessDateRequest; |
| import org.apache.fineract.client.models.GetLoansLoanIdLoanChargeData; |
| import org.apache.fineract.client.models.GetLoansLoanIdRepaymentPeriod; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PaymentAllocationOrder; |
| import org.apache.fineract.client.models.PostClientsResponse; |
| import org.apache.fineract.client.models.PostCreateRescheduleLoansRequest; |
| import org.apache.fineract.client.models.PostCreateRescheduleLoansResponse; |
| 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.PostLoansLoanIdTransactionsTransactionIdRequest; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.client.models.PostUpdateRescheduleLoansRequest; |
| import org.apache.fineract.client.util.CallFailedRuntimeException; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.CommonConstants; |
| import org.apache.fineract.integrationtests.common.LoanRescheduleRequestHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.charges.ChargesHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor; |
| import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.FineractStyleLoanRepaymentScheduleTransactionProcessor; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType; |
| import org.junit.jupiter.api.BeforeAll; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| import org.slf4j.Logger; |
| import org.slf4j.LoggerFactory; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class AdvancedPaymentAllocationLoanRepaymentScheduleTest extends BaseLoanIntegrationTest { |
| |
| private static final Logger LOG = LoggerFactory.getLogger(AdvancedPaymentAllocationLoanRepaymentScheduleTest.class); |
| private static final String DATETIME_PATTERN = "dd MMMM yyyy"; |
| private static ResponseSpecification responseSpec; |
| private static RequestSpecification requestSpec; |
| private static BusinessDateHelper businessDateHelper; |
| private static LoanTransactionHelper loanTransactionHelper; |
| private static AccountHelper accountHelper; |
| private static Integer commonLoanProductId; |
| private static PostClientsResponse client; |
| private static LoanRescheduleRequestHelper loanRescheduleRequestHelper; |
| |
| @BeforeAll |
| public static void setup() { |
| Utils.initializeRESTAssured(); |
| requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| requestSpec.header("Fineract-Platform-TenantId", "default"); |
| responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec); |
| businessDateHelper = new BusinessDateHelper(); |
| accountHelper = new AccountHelper(requestSpec, responseSpec); |
| ClientHelper clientHelper = new ClientHelper(requestSpec, responseSpec); |
| loanRescheduleRequestHelper = new LoanRescheduleRequestHelper(requestSpec, responseSpec); |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| |
| commonLoanProductId = createLoanProduct("500", "15", "4", true, "25", true, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()); |
| } |
| |
| // UC1: Simple payments |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay installments on due dates |
| |
| @Test |
| public void uc1() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 250.0, 250.0, 250.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 125.0, 125.0, 0.0, 250.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 125.0, 375.0, 125.0, 375.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 125.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| // UC2: Overpayment1 |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Overpay 2nd installment |
| // 4. Overpay loan |
| |
| @Test |
| public void uc2() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(150.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 225.0, 275.0, 225.0, 275.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 150.0, 150.0, 0.0, 225.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 100.0, 25.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| }); |
| } |
| // UC3: Overpayment2 |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Overpay 2nd installment |
| |
| @Test |
| public void uc3() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(150.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 225.0, 275.0, 225.0, 275.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 150.0, 150.0, 0.0, 225.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 100.0, 25.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| }); |
| } |
| // UC4: Delinquent balance |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Pay 1st installment - fails |
| // 4. Pay rest manually |
| |
| @Test |
| public void uc4() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("20 January 2023").locale("en").transactionAmount(100.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 400.0, 100.0, 400.0, 100.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 100.0, 25.0, 0.0, 100.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 100.0, 100.0, 0.0, 400.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(40.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 360.0, 140.0, 360.0, 140.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 15.0, 110.0, 0.0, 15.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 40.0, 40.0, 0.0, 360.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(360.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 360.0, 360.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC5: Refund past due |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Partial Merchant refund |
| // 4. Pay rest on time |
| @Test |
| public void uc5() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("8 January 2023").locale("en").transactionAmount(300.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 200.0, 300.0, 200.0, 300.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 58.33, 66.67, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 58.33, 66.67, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 58.34, 66.66, 58.34, 0.0); |
| validateLoanTransaction(loanDetails, 2, 300.0, 300.0, 0.0, 200.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(66.67)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 133.33, 366.67, 133.33, 366.67, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 58.33, 66.67, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 58.34, 66.66, 58.34, 0.0); |
| validateLoanTransaction(loanDetails, 3, 66.67, 66.67, 0.0, 133.33); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(66.67)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 66.66, 433.34, 66.66, 433.34, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 58.34, 66.66, 58.34, 0.0); |
| validateLoanTransaction(loanDetails, 4, 66.67, 66.67, 0.0, 66.66); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(66.66)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 58.33, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 58.34, 0.0); |
| validateLoanTransaction(loanDetails, 5, 66.66, 66.66, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC7: Refund & due reamortization |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay 1st installment on time |
| // 4. Merchant issued refund |
| // 4. Pay rest on time |
| @Test |
| public void uc7() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 250.0, 250.0, 250.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 125.0, 125.0, 0.0, 250.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 100.0, 25.0, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 100.0, 25.0, 100.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 200, 200.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(25.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 25.0, 475.0, 25.0, 475.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 100.0, 25.0, 100.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 25.0, 25.0, 0.0, 25.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(25.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 100.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 25.0, 25.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC8: Refund after due & past due |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Pay 1st installment on time - fails |
| // 4. Merchant issued refund next day |
| // 4. Pay rest on time |
| @Test |
| public void uc8() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("17 January 2023").locale("en").transactionAmount(300.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 200.0, 300.0, 200.0, 300.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 300.0, 300.0, 0.0, 200.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(100.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 100.0, 100.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(100.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 100.0, 100.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC9: Refund next installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Refund |
| // 4. Pay rest on time |
| @Test |
| public void uc9() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makePayoutRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("05 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 200.0, 200.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(50.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 125.0, 375.0, 125.0, 375.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 50.0, 50.0, 0.0, 125.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC10: Refund PD and next installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. 1st installment on time - fails |
| // 4. Payout refund issued refund next day |
| // 4. Pay rest on time |
| @Test |
| public void uc10() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makePayoutRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("17 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 200.0, 200.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(50.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 125.0, 375.0, 125.0, 375.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 50.0, 50.0, 0.0, 125.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 125.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC11: Refund Past, pay in advance installments |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Payout refund issued refund next day |
| // 4. Pay rest on time |
| @Test |
| public void uc11() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makePayoutRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 January 2023").locale("en").transactionAmount(400.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 25.0, 100.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 400.0, 400.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(100.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 25.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 100.0, 100.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC12: Refund last installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Goodwill credit in advance |
| // 4. Pay rest on time |
| @Test |
| public void uc12() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("08 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 200.0, 200.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(50.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC13: Due apply last installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time - fails |
| // 4. Goodwill credit(due and in advance) |
| // 5. Pay rest on time |
| @Test |
| public void uc13() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("18 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 200.0, 200.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(50.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 50.0, 50.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC14: Refund PD |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time - fails |
| // 4. Refund (DP due and in advance) |
| // 5. Pay rest on time |
| @Test |
| public void uc14() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("17 January 2023").locale("en").transactionAmount(200.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 300.0, 200.0, 300.0, 200.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 75.0, 50.0, 0.0, 75.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 200.0, 200.0, 0.0, 300.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 75.0, 50.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(175.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 50.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 175.0, 175.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC15: Goodwill credit PD |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time - fails |
| // 4. Refund (DP due and in advance) |
| // 5. Pay rest on time |
| @Test |
| public void uc15() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 January 2023").locale("en").transactionAmount(200.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 300.0, 200.0, 300.0, 200.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 200.0, 200.0, 0.0, 300.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 175.0, 325.0, 175.0, 325.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 175.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 75.0, 50.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(50.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 75.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 50.0, 50.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC17a: Full refund with CBR |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time |
| // 4. Full merchant issued refund |
| // 5. CBR |
| @Test |
| public void uc17a() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("08 January 2023").locale("en").transactionAmount(500.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 500.0, 375.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("09 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 0.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC17b: Full refund with CBR |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time |
| // 4. Full payout refund |
| // 5. CBR |
| @Test |
| public void uc17b() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makePayoutRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("08 January 2023").locale("en").transactionAmount(500.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 500.0, 375.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("09 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 0.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC17c: Full refund with CBR |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay first installment on time |
| // 4. Full Goodwill credit |
| // 5. CBR |
| @Test |
| public void uc17c() { |
| runAt("15 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("08 January 2023").locale("en").transactionAmount(500.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 500.0, 375.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("09 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 0.0, 125.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC18: Full refund with CBR (N+1) |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment |
| // 3. Pay everything on time |
| // 4. Full merchant issued refund (after maturity date) |
| // 5. CBR |
| @Test |
| public void uc18() { |
| runAt("20 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 375.0, 125.0, 375.0, 125.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 125.0, 125.0, 0.0, 375.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 250.0, 250.0, 250.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 2, 125.0, 125.0, 0.0, 250.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 125.0, 375.0, 125.0, 375.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 3, 125.0, 125.0, 0.0, 125.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("18 February 2023").locale("en").transactionAmount(500.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 500.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 500.0, 0.0, 500.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("20 February 2023").locale("en").transactionAmount(500.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 6, 500.0, 0.0, 500.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC24: Merchant issued credit reverse-replay |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Merchant issued credit |
| // 4. Payments |
| // 5. CBR |
| // 6. Merchant issued credit - reversal |
| // 7. Payments |
| @Test |
| public void uc24() { |
| runAt("20 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("02 January 2023").locale("en").transactionAmount(400.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 91.67, 33.33, 91.67, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 91.67, 33.33, 91.67, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 91.66, 33.34, 91.66, 0.0); |
| validateLoanTransaction(loanDetails, 2, 400.0, 400.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("04 January 2023").locale("en").transactionAmount(50.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 108.34, 16.66, 108.34, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 91.66, 33.34, 91.66, 0.0); |
| validateLoanTransaction(loanDetails, 3, 50.0, 50.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, 75.0); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 125.0, 50.0, 75.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("18 January 2023").locale("en").transactionAmount(75.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 500.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateLoanTransaction(loanDetails, 5, 75.0, 0.0, 75.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(2).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("20 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 400.0, 175.0, 400.0, 175.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 50.0, 75.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 200.0, 0.0, 200.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("31 January 2023").locale("en").transactionAmount(275.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 125.0, 450.0, 125.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 75.0); |
| validateRepaymentPeriod(loanDetails, 3, 200.0, 200.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 6, 275.0, 275.0, 0.0, 125.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("15 February 2023").locale("en").transactionAmount(125.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 575.0, 0.0, 575.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 0.0, 75.0); |
| validateRepaymentPeriod(loanDetails, 3, 200.0, 200.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 125.0, 0.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 7, 125.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC25: Merchant issued credit reverse-replay with uneven balances |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay down payment - fails |
| // 3. Merchant issued credit |
| // 4. Payments |
| // 5. Merchant issued credit |
| @Test |
| public void uc25() { |
| runAt("20 February 2023", () -> { |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), commonLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), loanDetails.getTransactions().get(1).getId(), |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023") |
| .transactionAmount(0.0).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("02 January 2023").locale("en").transactionAmount(400.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 400.0, 100.0, 400.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 91.67, 33.33, 91.67, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 91.67, 33.33, 91.67, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 91.66, 33.34, 91.66, 0.0); |
| validateLoanTransaction(loanDetails, 2, 400.0, 400.0, 0.0, 100.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("04 January 2023").locale("en").transactionAmount(50.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 450.0, 50.0, 450.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 108.34, 16.66, 108.34, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 91.66, 33.34, 91.66, 0.0); |
| validateLoanTransaction(loanDetails, 3, 50.0, 50.0, 0.0, 50.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("06 January 2023").locale("en").transactionAmount(40.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 10.0, 490.0, 10.0, 490.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 115.0, 10.0, 115.0, 0.0); |
| validateLoanTransaction(loanDetails, 4, 40.0, 40.0, 0.0, 10.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC101: Multiple disbursement test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan |
| // 2. Pay over the down payment |
| // 3. Disburse again |
| @Test |
| public void uc101() { |
| runAt("20 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("04 January 2023").locale("en").transactionAmount(175.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 325.0, 175.0, 325.0, 175.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 50.0, 75.0, 50.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateLoanTransaction(loanDetails, 1, 175.0, 175.0, 0.0, 325.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 825.0, 175.0, 825.0, 175.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 250.0, 50.0, 200.0, 50.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "100", true)); |
| Integer penalty1LoanChargeId = loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "22 February 2023", "100")); |
| assertNotNull(penalty1LoanChargeId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 925.0, 175.0, 825.0, 175.0, null); |
| validateRepaymentPeriod(loanDetails, 1, 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, 250.0, 50.0, 200.0, 50.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 2, 22), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 100.0, 0.0, 100.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC102: Multiple disbursement & reschedule test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (500) |
| // 2. Reschedule the 2nd period |
| // 3. Repayment (450) |
| // 3. Disburse again (250) |
| // 4. Reschedule the 3rd period to be later than the 2nd disbursement |
| @Test |
| public void uc102() { |
| runAt("20 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| PostCreateRescheduleLoansResponse rescheduleLoansResponse = loanRescheduleRequestHelper |
| .createLoanRescheduleRequest(new PostCreateRescheduleLoansRequest().loanId(loanDetails.getId()).locale("en") |
| .dateFormat(DATETIME_PATTERN).rescheduleReasonId(1L).rescheduleFromDate("16 January 2023") |
| .adjustedDueDate("31 January 2023").submittedOnDate("16 January 2023")); |
| |
| loanRescheduleRequestHelper.approveLoanRescheduleRequest(rescheduleLoansResponse.getResourceId(), |
| new PostUpdateRescheduleLoansRequest().approvedOnDate("16 January 2023").locale("en").dateFormat(DATETIME_PATTERN)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 January 2023").locale("en").transactionAmount(350.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 150.0, 350.0, 150.0, 350.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 125.0, 100.0, 25.0, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("20 February 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(250.0)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 400.0, 350.0, 400.0, 350.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 125.0, 100.0, 25.0, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 20), 62.5, 0.0, 62.5, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 2), 312.5, 0.0, 312.5, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| rescheduleLoansResponse = loanRescheduleRequestHelper.createLoanRescheduleRequest(new PostCreateRescheduleLoansRequest() |
| .loanId(loanDetails.getId()).locale("en").dateFormat(DATETIME_PATTERN).rescheduleReasonId(1L) |
| .rescheduleFromDate("15 February 2023").adjustedDueDate("25 February 2023").submittedOnDate("15 February 2023")); |
| |
| loanRescheduleRequestHelper.approveLoanRescheduleRequest(rescheduleLoansResponse.getResourceId(), |
| new PostUpdateRescheduleLoansRequest().approvedOnDate("15 February 2023").locale("en").dateFormat(DATETIME_PATTERN)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 400.0, 350.0, 400.0, 350.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 125.0, 125.0, 0.0, 125.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 20), 62.5, 0.0, 62.5, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 25), 218.75, 100.0, 118.75, 100.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 12), 218.75, 0.0, 218.75, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC103: Advanced payment allocation, add charge after maturity -> N+1 installment, repay the loan |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (500) |
| // 2. Add charge after maturity date |
| // 3. Fully repay the loan |
| @Test |
| public void uc103() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "100", true)); |
| Integer penalty1LoanChargeId = loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "22 February 2023", "100")); |
| assertNotNull(penalty1LoanChargeId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 600.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 2, 22), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 100.0, 0.0, 100.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(600.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 600.0, 0.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 2, 22), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 100.0, 100.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| }); |
| } |
| |
| // UC104: Advanced payment allocation, horizontal repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (500) |
| // 2. Add charge for 3rd and 4th installments |
| // 3. Pay little more than the charge of 1st installment |
| // 4. Pay little more than the principal of 1st installment and charge of 2nd installment |
| @Test |
| public void uc104() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "25", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "20 January 2023", "25")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "10 February 2023", "25")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 550.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(260.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 290.0, 260.0, 250.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 10.0, 15.0, 0.0, 0.0, |
| 0.0, 0.0, 10.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 264.0, 286.0, 239.0, 261.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 125.0, 0.0, 0.0, 125.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 11.0, 114.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 36.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC105: Advanced payment allocation, vertical repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (500) |
| // 2. Add charge for 3rd and 4th installments |
| // 3. Pay little more than the charge of 1st installment |
| // 4. Pay little more than the charges |
| @Test |
| public void uc105() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.VERTICAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(500.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(500)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(500.00)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 500.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "25", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "20 January 2023", "25")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "10 February 2023", "25")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 550.0, 0.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 0.0, 25.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 524.0, 26.0, 500.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 1.0, 24.0, 0.0, 0.0, |
| 0.0, 0.0, 1.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 February 2023").locale("en").transactionAmount(26.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 498.0, 52.0, 498.0, 2.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 125.0, 2.0, 123.0, 0.0, 2.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 125.0, 0.0, 125.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 125.0, 0.0, 125.0, 0.0, 0.0, 0.0, 25.0, 25.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 25.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC106: Advanced payment allocation, horizontal repayment processing, mixed grouping of allocation rules |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, but the allocation rules are mixed -> expect validation error |
| @Test |
| public void uc106() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| AdvancedPaymentData defaultPaymentAllocation = createDefaultPaymentAllocationWithMixedGrouping(); |
| |
| ArrayList<HashMap<String, Object>> loanProductErrorData = createLoanProductGetError("500", "15", "4", false, |
| LoanScheduleType.PROGRESSIVE, LoanScheduleProcessingType.HORIZONTAL, defaultPaymentAllocation, assetAccount, |
| incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(loanProductErrorData); |
| assertEquals("mixed.due.type.allocation.rules.are.not.supported.with.horizontal.installment.processing", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| }); |
| } |
| |
| // UC107: Advanced payment allocation, vertical repayment processing, mixed grouping of allocation rules |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, but the allocation rules are mixed -> no validation error |
| // 2. Change transaction processor while submitting loan -> expect validation error |
| // 3. Change to HORIZONTAL loan schedule processing and allocation rules are mixed - > expect validation error |
| @Test |
| public void uc107() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| AdvancedPaymentData defaultPaymentAllocation = createDefaultPaymentAllocationWithMixedGrouping(); |
| |
| Integer localLoanProductId = createLoanProduct("500", "15", "4", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.VERTICAL, defaultPaymentAllocation, assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| assertNotNull(localLoanProductId); |
| |
| CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class, |
| () -> applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(500.0), 45, 15, 3, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023", |
| FineractStyleLoanRepaymentScheduleTransactionProcessor.STRATEGY_CODE, |
| LoanScheduleProcessingType.VERTICAL.name())); |
| assertEquals(400, exception.getResponse().code()); |
| assertTrue(exception.getMessage().contains("supported.only.with.advanced.payment.allocation.strategy")); |
| |
| exception = assertThrows(CallFailedRuntimeException.class, |
| () -> applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(500.0), 45, 15, 3, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023", |
| AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY, |
| LoanScheduleProcessingType.HORIZONTAL.name())); |
| assertEquals(400, exception.getResponse().code()); |
| assertTrue(exception.getMessage() |
| .contains("mixed.due.type.allocation.rules.are.not.supported.with.horizontal.installment.processing")); |
| }); |
| } |
| |
| // UC108: Advanced payment allocation, progressive loan schedule handling, rounding test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, 1000 principal, across 3 installment |
| // 2. Submit the loan, and check the generated repayment schedule |
| @Test |
| public void uc108() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", false, null, false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(localLoanProductId); |
| |
| PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(1000), 45, |
| 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(1000), 90, 15, 6, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| }); |
| } |
| |
| // UC109: Advanced payment allocation, progressive loan schedule handling, rounding test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, 1000 principal, across 3 installment |
| // 2. Submit the loan, and check the generated repayment schedule |
| @Test |
| public void uc109() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", false, null, false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(localLoanProductId); |
| |
| PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(1000), 45, |
| 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 333.33, 0.0, 333.33, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 333.34, 0.0, 333.34, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(1000), 90, 15, 6, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 16), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 31), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 2, 15), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 3, 2), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 3, 17), 166.67, 0.0, 166.67, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 6, LocalDate.of(2023, 4, 1), 166.65, 0.0, 166.65, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| }); |
| } |
| |
| // UC110: Advanced payment allocation, progressive loan schedule handling, rounding test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, 40.50 principal, across 4 installment (1 down payment, 3 normal installment) |
| // 2. Submit the loan, and check the generated repayment schedule |
| @Test |
| public void uc110() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("40.50", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(localLoanProductId); |
| |
| PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(40.50), |
| 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(40.5)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(40.5)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 40.5, 0.0, 40.5, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC111: Advanced payment allocation, progressive loan schedule handling, rounding test |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product, 40.50 principal, across 4 installment (1 down payment, 3 normal installment) |
| // 2. Submit the loan, and check the generated repayment schedule |
| @Test |
| public void uc111() { |
| runAt("22 February 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("40.50", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(localLoanProductId); |
| |
| PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, BigDecimal.valueOf(40.50), |
| 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getPendingApproval()); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(40.5)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getWaitingForDisbursal()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(40.5)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 40.5, 0.0, 40.5, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 10.12, 0.0, 10.12, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 10.13, 0.0, 10.13, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 10.12, 0.0, 10.12, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC112: Advanced payment allocation, horizontal repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge after maturity date |
| // 3. Pay 1st installment |
| // 4. Pay 2nd installment |
| // 5. Add charge to 3rd installment |
| // 6. Add charge to 4th installment |
| // 7. Do goodwill credit (in advance payment) |
| @Test |
| public void uc112() { |
| runAt("01 September 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 September 2023", "01 September 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 September 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 September 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "20", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 October 2023", "20")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1020.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 770.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.09.16").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 520.0, 500.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 September 2023", "20")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "16 October 2023", "20")); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(50.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 510.0, 550.0, 490.0, 510.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 10.0, 240.0, 0.0, 0.0, 0.0, 20.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 30.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 20.0, 0.0, 0.0, 0.0, |
| 0.0, 20.0, 0.0); |
| |
| validateLoanCharge(loanDetails, 0, LocalDate.of(2023, 9, 17), 20.0, 0.0, 20.0); |
| validateLoanCharge(loanDetails, 1, LocalDate.of(2023, 10, 16), 20.0, 20.0, 0.0); |
| validateLoanCharge(loanDetails, 2, LocalDate.of(2023, 10, 17), 20.0, 20.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC113: Advanced payment allocation, vertical repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge after maturity date |
| // 3. Pay 1st installment |
| // 4. Pay 2nd installment |
| // 5. Add charge to 3rd installment |
| // 6. Add charge to 4th installment |
| // 7. Do goodwill credit (in advance payment) |
| @Test |
| public void uc113() { |
| runAt("01 September 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.VERTICAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 September 2023", "01 September 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 September 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 September 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "20", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 October 2023", "20")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1020.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 770.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.09.16").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 520.0, 500.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 September 2023", "20")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "16 October 2023", "20")); |
| |
| loanTransactionHelper.makeGoodwillCredit(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(50.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 510.0, 550.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, 0.0, |
| 0.0, 10.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 20.0, 0.0, 0.0, 0.0, |
| 0.0, 20.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 20.0, 0.0, 0.0, 0.0, |
| 0.0, 20.0, 0.0); |
| validateLoanCharge(loanDetails, 0, LocalDate.of(2023, 9, 17), 20.0, 10.0, 10.0); |
| validateLoanCharge(loanDetails, 1, LocalDate.of(2023, 10, 16), 20.0, 20.0, 0.0); |
| validateLoanCharge(loanDetails, 2, LocalDate.of(2023, 10, 17), 20.0, 20.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC114: Advanced payment allocation, horizontal repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge after maturity date |
| // 3. Pay 1st installment |
| // 4. Pay 2nd installment |
| // 5. Add charge to 3rd installment |
| // 6. Add charge to 4th installment |
| // 7. Do merchant issued refund (in advance payment) |
| @Test |
| public void uc114() { |
| runAt("01 September 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 September 2023", "01 September 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 September 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 September 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "20", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 October 2023", "20")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1020.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 770.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.09.16").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 520.0, 500.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 September 2023", "20")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "16 October 2023", "20")); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(30.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 530.0, 530.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, 0.0, |
| 0.0, 10.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, |
| 0.0, 0.0, 10.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, 0.0, |
| 0.0, 10.0, 0.0); |
| validateLoanCharge(loanDetails, 0, LocalDate.of(2023, 9, 17), 20.0, 10.0, 10.0); |
| validateLoanCharge(loanDetails, 1, LocalDate.of(2023, 10, 16), 20.0, 10.0, 10.0); |
| validateLoanCharge(loanDetails, 2, LocalDate.of(2023, 10, 17), 20.0, 10.0, 10.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC115: Advanced payment allocation, vertical repayment processing |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge after maturity date |
| // 3. Pay 1st installment |
| // 4. Pay 2nd installment |
| // 5. Add charge to 3rd installment |
| // 6. Add charge to 4th installment |
| // 7. Do merchant issued refund (in advance payment) |
| @Test |
| public void uc115() { |
| runAt("01 September 2023", () -> { |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.VERTICAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 September 2023", "01 September 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 September 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 September 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "20", true)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 October 2023", "20")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1020.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 770.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.09.16").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 520.0, 500.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 0.0, 20.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "17 September 2023", "20")); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), "16 October 2023", "20")); |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("16 September 2023").locale("en").transactionAmount(30.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 530.0, 530.0, 500.0, 500.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 9, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 9, 16), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 10, 1), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, 0.0, |
| 0.0, 10.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 10, 16), 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, |
| 0.0, 0.0, 10.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2023, 10, 17), 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0, 10.0, 10.0, 0.0, 0.0, |
| 0.0, 10.0, 0.0); |
| validateLoanCharge(loanDetails, 0, LocalDate.of(2023, 9, 17), 20.0, 10.0, 10.0); |
| validateLoanCharge(loanDetails, 1, LocalDate.of(2023, 10, 16), 20.0, 10.0, 10.0); |
| validateLoanCharge(loanDetails, 2, LocalDate.of(2023, 10, 17), 20.0, 10.0, 10.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC116: Advanced payment allocation, horizontal repayment processing, disbursement on due date of an installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge on disbursement date(50) |
| // 3. Repay down payment fully on disbursement date (250) |
| // 4. Disburse on 1st installment due date (400) |
| @Test |
| public void uc116() { |
| runAt("01 January 2023", () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Fee |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "50", false)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), "01 January 2023", "50")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1050.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 800.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| updateBusinessDate("16 January 2023"); |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("16 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(400.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1200.0, 250.0, 1150.0, 250.0, null); |
| validatePeriod(loanDetails, 0, LocalDate.of(2023, 1, 1), null, 1000.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), LocalDate.of(2023, 1, 1), 750.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), null, 500.0, 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 3, LocalDate.of(2023, 1, 16), null, 400.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 4, LocalDate.of(2023, 1, 16), null, 800.0, 100.0, 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 5, LocalDate.of(2023, 1, 31), null, 400.0, 400.0, 0.0, 400.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 6, LocalDate.of(2023, 2, 15), null, 0.0, 400.0, 0.0, 400.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC117: Advanced payment allocation, horizontal repayment processing, multi disbursement on due date of an |
| // installment |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Add charge on disbursement date(50) |
| // 3. Repay down payment fully on disbursement date (250) |
| // 4. Disburse on 1st installment due date (400) |
| // 4. Disburse on 1st installment due date (80) |
| @Test |
| public void uc117() { |
| runAt("01 January 2023", () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Add Charge Fee |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "50", false)); |
| loanTransactionHelper.addChargesForLoan(loanResponse.getLoanId().intValue(), |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), "01 January 2023", "50")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1050.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("01 January 2023").locale("en").transactionAmount(250.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 800.0, 250.0, 750.0, 250.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 250.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| updateBusinessDate("16 January 2023"); |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("16 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(400.0)).locale("en")); |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("16 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(80.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1280.0, 250.0, 1230.0, 250.0, null); |
| validatePeriod(loanDetails, 0, LocalDate.of(2023, 1, 1), null, 1000.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), LocalDate.of(2023, 1, 1), 750.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), null, 500.0, 250.0, 0.0, 250.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 3, LocalDate.of(2023, 1, 16), null, 400.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 4, LocalDate.of(2023, 1, 16), null, 80.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 5, LocalDate.of(2023, 1, 16), null, 880.0, 100.0, 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 6, LocalDate.of(2023, 1, 16), null, 860.0, 20.0, 0.0, 20.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 7, LocalDate.of(2023, 1, 31), null, 430.0, 430.0, 0.0, 430.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 8, LocalDate.of(2023, 2, 15), null, 0.0, 430.0, 0.0, 430.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC118: Advanced payment allocation, horizontal repayment processing, multi disbursement on disbursement date |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Disburse the loan (1000) |
| // 2. Disburse on disbursement date (400) |
| @Test |
| public void uc118() { |
| runAt("01 January 2023", () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1000.0, 0.0, 1000.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 1, 16), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 1, 31), 250.0, 0.0, 250.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 2, 15), 250.0, 0.0, 250.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(400.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 1400.0, 0.0, 1400.0, 0.0, null); |
| validatePeriod(loanDetails, 0, LocalDate.of(2023, 1, 1), null, 1000.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 1, LocalDate.of(2023, 1, 1), null, 400.0, null, null, null, 0.0, 0.0, null, null, null, null, null, |
| null, null, null, null); |
| validatePeriod(loanDetails, 2, LocalDate.of(2023, 1, 1), null, 1150.0, 250.0, 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 3, LocalDate.of(2023, 1, 1), null, 1050.0, 100.0, 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 4, LocalDate.of(2023, 1, 16), null, 700.0, 350.0, 0.0, 350.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 5, LocalDate.of(2023, 1, 31), null, 350.0, 350.0, 0.0, 350.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 6, LocalDate.of(2023, 2, 15), null, 0.0, 350.0, 0.0, 350.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC119: Advanced payment allocation with Loan Schedule as Cumulative |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product with Adv. Pment. Alloc., but the loan schedule as Cumulative -> expect validation error |
| @Test |
| public void uc119() { |
| runAt("02 February 2023", () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| AdvancedPaymentData defaultPaymentAllocation = createDefaultPaymentAllocation(); |
| |
| ArrayList<HashMap<String, Object>> loanProductErrorData = createLoanProductGetError("500", "15", "4", false, |
| LoanScheduleType.CUMULATIVE, LoanScheduleProcessingType.HORIZONTAL, defaultPaymentAllocation, assetAccount, |
| incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.loanScheduleProcessingType.supported.only.for.progressive.loan.schedule.type", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| }); |
| } |
| |
| // UC120: Advanced payment allocation with auto down payment and multiple disbursement on the first day |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product with Adv. Pment. Alloc., and auto down payment |
| // 2. Submit Loan and approve |
| // 3. Disburse only 100 from 1000 |
| // 4. Disburse again on the same day but now 901 |
| @Test |
| public void uc120() { |
| runAt("22 November 2023", () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", true, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), localLoanProductId, |
| BigDecimal.valueOf(1000.0), 45, 15, 3, BigDecimal.ZERO, "22 November 2023", "01 January 2023"); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("22 November 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 75.0, 25.0, 75.0, 25.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 0.0, 25.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(901.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 750.75, 250.25, 750.75, 250.25, null); |
| validatePeriod(loanDetails, 0, LocalDate.of(2023, 11, 22), null, 100.0, null, null, null, 0.0, 0.0, null, null, null, null, |
| null, null, null, null, null); |
| validatePeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), null, 901.0, null, null, null, 0.0, 0.0, null, null, null, null, |
| null, null, null, null, null); |
| validatePeriod(loanDetails, 2, LocalDate.of(2023, 11, 22), LocalDate.of(2023, 11, 22), 976.0, 25.0, 25.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 3, LocalDate.of(2023, 11, 22), LocalDate.of(2023, 11, 22), 750.75, 225.25, 225.25, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 4, LocalDate.of(2023, 12, 7), null, 500.50, 250.25, 0.0, 250.25, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 5, LocalDate.of(2023, 12, 22), null, 250.25, 250.25, 0.0, 250.25, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0, 0.0); |
| validatePeriod(loanDetails, 6, LocalDate.of(2024, 1, 6), null, 0.0, 250.25, 0.0, 250.25, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| }); |
| } |
| |
| // UC121: Advanced payment allocation, horizontal repayment processing product and Loan application |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| @Test |
| public void uc121() { |
| final String operationDate = "01 January 2023"; |
| runAt(operationDate, () -> { |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| Integer localLoanProductId = createLoanProduct("1000", "15", "3", true, "25", false, LoanScheduleType.PROGRESSIVE, |
| LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| |
| loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(client.getClientId()).productId(localLoanProductId.longValue()) |
| .loanType("individual").locale("en").submittedOnDate(operationDate).expectedDisbursementDate(operationDate) |
| .dateFormat(DATETIME_PATTERN).amortizationType(1).interestRatePerPeriod(BigDecimal.ZERO) |
| .interestCalculationPeriodType(1).interestType(0).repaymentFrequencyType(0).repaymentEvery(15).repaymentFrequencyType(0) |
| .numberOfRepayments(3).loanTermFrequency(45).loanTermFrequencyType(0).principal(BigDecimal.valueOf(1000.0)) |
| .maxOutstandingLoanBalance(BigDecimal.valueOf(35000)) |
| .transactionProcessingStrategyCode(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .loanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.name())); |
| |
| loanTransactionHelper.applyLoanWithError(new PostLoansRequest().clientId(client.getClientId()) |
| .productId(localLoanProductId.longValue()).loanType("individual").locale("en").submittedOnDate(operationDate) |
| .expectedDisbursementDate(operationDate).dateFormat(DATETIME_PATTERN).amortizationType(1) |
| .interestRatePerPeriod(BigDecimal.ZERO).interestCalculationPeriodType(1).interestType(0).repaymentFrequencyType(0) |
| .repaymentEvery(15).repaymentFrequencyType(0).numberOfRepayments(3).loanTermFrequency(45).loanTermFrequencyType(0) |
| .principal(BigDecimal.valueOf(1000.0)).maxOutstandingLoanBalance(BigDecimal.valueOf(35000)) |
| .transactionProcessingStrategyCode(FineractStyleLoanRepaymentScheduleTransactionProcessor.STRATEGY_CODE) |
| .loanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.name()), 403); |
| |
| }); |
| } |
| |
| // UC122: Advanced payment allocation, 2nd disbursement on overpaid loan |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product with Adv. Pment. Alloc. |
| // 2. Submit Loan and approve |
| // 3. Disburse only 100 from 1000 |
| // 4. Overpay the loan (150) |
| // 5. Disburse again 100 |
| @Test |
| public void uc122() { |
| runAt("24 November 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| .numberOfRepayments(3).repaymentEvery(15).enableDownPayment(true) |
| .disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25)).enableAutoRepaymentForDownPayment(false); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "22 November 2023", |
| 1000.0, 4); |
| |
| applicationRequest = applicationRequest.numberOfRepayments(3).loanTermFrequency(45) |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY).repaymentEvery(15); |
| |
| PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("22 November 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 0.0, 100.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 0.0, 25.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("23 November 2023").locale("en").transactionAmount(150.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 50.0); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 25.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 25.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 25.0, 0.0, 25.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("24 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 50.0, 150.0, 50.0, 150.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 25.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 11, 24), 25.0, 25.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 7), 50.0, 50.0, 0.0, 50.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 12, 22), 50.0, 25.0, 25.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2024, 1, 6), 50.0, 25.0, 25.0, 25.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "22 November 2023", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(150, "Repayment", "23 November 2023", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(100, "Disbursement", "24 November 2023", 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, 50.0) // |
| ); |
| // verify journal entries |
| verifyJournalEntries(loanResponse.getLoanId(), journalEntry(100.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(100.0, fundSource, "CREDIT"), // |
| journalEntry(100.0, loansReceivableAccount, "CREDIT"), // |
| journalEntry(50.0, overpaymentAccount, "CREDIT"), // |
| journalEntry(150.0, fundSource, "DEBIT"), // |
| journalEntry(50.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(50.0, overpaymentAccount, "DEBIT"), // |
| journalEntry(100.0, fundSource, "CREDIT") // |
| ); |
| }); |
| } |
| |
| // UC123: Advanced payment allocation, 2nd disbursement on overpaid loan |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product with Adv. Pment. Alloc. |
| // 2. Submit Loan and approve |
| // 3. Disburse only 100 from 1000 |
| // 4. Overpay the loan (150) |
| // 5. Disburse again 25 |
| @Test |
| public void uc123() { |
| runAt("22 November 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| .numberOfRepayments(3).repaymentEvery(15).enableDownPayment(true) |
| .disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25)).enableAutoRepaymentForDownPayment(false); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "22 November 2023", |
| 1000.0, 4); |
| |
| applicationRequest = applicationRequest.numberOfRepayments(3).loanTermFrequency(45) |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY).repaymentEvery(15); |
| |
| PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("22 November 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 0.0, 100.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 0.0, 25.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 0.0, 25.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat(DATETIME_PATTERN).transactionDate("22 November 2023").locale("en").transactionAmount(150.0)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 50.0); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 12, 7), 25.0, 25.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 22), 25.0, 25.0, 0.0, 25.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2024, 1, 6), 25.0, 25.0, 0.0, 25.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("22 November 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(28.0)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 128.0, 0.0, 128.0, 22.0); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2023, 11, 22), 25.0, 25.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2023, 11, 22), 7.0, 7.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 7), 32.0, 32.0, 0.0, 32.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 12, 22), 32.0, 32.0, 0.0, 32.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2024, 1, 6), 32.0, 32.0, 0.0, 32.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "22 November 2023", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(150, "Repayment", "22 November 2023", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(28, "Disbursement", "22 November 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 28.0) // |
| ); |
| // verify journal entries |
| verifyJournalEntries(loanResponse.getLoanId(), journalEntry(100.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(100.0, fundSource, "CREDIT"), // |
| journalEntry(100.0, loansReceivableAccount, "CREDIT"), // |
| journalEntry(50.0, overpaymentAccount, "CREDIT"), // |
| journalEntry(150.0, fundSource, "DEBIT"), // |
| journalEntry(28.0, overpaymentAccount, "DEBIT"), // |
| journalEntry(28.0, fundSource, "CREDIT") // |
| ); |
| }); |
| } |
| |
| // UC124: Advanced payment allocation, MIR, CBR and Chargeback on overpaid loan |
| // ADVANCED_PAYMENT_ALLOCATION_STRATEGY |
| // 1. Create a Loan product with Adv. Pment. Alloc. |
| // 2. Submit Loan and approve |
| // 3. Disburse only 100 |
| // 4. Fully pay the loan |
| // 5. Do MIR 3 times |
| // 6. Do a CBR |
| // 7. Do MIR 2 times |
| // 8. Reverse the 1st MIR |
| // 9. Do Chargeback (lower than overpayment amount) |
| // 10.Do Chargeback again (reactive the loan) |
| @Test |
| public void uc124() { |
| runAt("06 March 2024", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| .numberOfRepayments(1).repaymentEvery(30).enableDownPayment(false); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "25 January 2024", 1000.0, |
| 4); |
| |
| applicationRequest = applicationRequest.numberOfRepayments(1).loanTermFrequency(30) |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY).repaymentEvery(30); |
| |
| PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("25 January 2024").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("25 January 2024").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(100.0)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 100.0, 0.0, 100.0, 0.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 0.0, 100.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| String repaymentExternalId = UUID.randomUUID().toString(); |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getLoanId(), |
| new PostLoansLoanIdTransactionsRequest().dateFormat(DATETIME_PATTERN).transactionDate("24 February 2024").locale("en") |
| .transactionAmount(100.0).externalId(repaymentExternalId)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| |
| String mir1ExternalId = UUID.randomUUID().toString(); |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), |
| new PostLoansLoanIdTransactionsRequest().transactionDate("28 February 2024").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(36.99).locale("en").externalId(mir1ExternalId)); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 36.99); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("28 February 2024").dateFormat(DATETIME_PATTERN).transactionAmount(18.94).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 55.93); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("28 February 2024").dateFormat(DATETIME_PATTERN).transactionAmount(36.99).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 92.92); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("28 February 2024").dateFormat(DATETIME_PATTERN).transactionAmount(31.99).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 124.91); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeCreditBalanceRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("01 March 2024").dateFormat(DATETIME_PATTERN).transactionAmount(124.91).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("02 March 2024").dateFormat(DATETIME_PATTERN).transactionAmount(19.99).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 19.99); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| loanTransactionHelper.makeMerchantIssuedRefund(loanResponse.getLoanId(), new PostLoansLoanIdTransactionsRequest() |
| .transactionDate("02 March 2024").dateFormat(DATETIME_PATTERN).transactionAmount(19.99).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 100.0, 0.0, 100.0, 39.98); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "25 January 2024", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(100, "Repayment", "24 February 2024", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(18.94, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 18.94), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 55.93), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 92.92), // |
| transaction(31.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 124.91), // |
| transaction(124.91, "Credit Balance Refund", "01 March 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 124.91), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 19.99), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 39.98) // |
| ); |
| |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), mir1ExternalId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("02 March 2024") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 224.91, 0.0, 224.91, 2.99); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2024, 3, 1), 124.91, 124.91, 0.0, 0.0, 36.99); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "25 January 2024", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(100, "Repayment", "24 February 2024", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 36.99, true), // |
| transaction(18.94, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 18.94), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 55.93), // |
| transaction(31.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(124.91, "Credit Balance Refund", "01 March 2024", 36.99, 36.99, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 17.0, 19.99, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 0.0, 17.0, 0.0, 0.0, 0.0, 0.0, 2.99) // |
| ); |
| |
| loanTransactionHelper.chargebackLoanTransaction(loanResponse.getLoanId(), repaymentExternalId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().locale("en").transactionAmount(2.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.0, 224.91, 0.0, 224.91, 0.99); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2024, 3, 1), 124.91, 124.91, 0.0, 0.0, 36.99); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "25 January 2024", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(100, "Repayment", "24 February 2024", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 36.99, true), // |
| transaction(18.94, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 18.94), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 55.93), // |
| transaction(31.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(124.91, "Credit Balance Refund", "01 March 2024", 36.99, 36.99, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 17.0, 19.99, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 0.0, 17.0, 0.0, 0.0, 0.0, 0.0, 2.99), // |
| transaction(2.0, "Chargeback", "06 March 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 2.0) // |
| ); |
| |
| loanTransactionHelper.chargebackLoanTransaction(loanResponse.getLoanId(), repaymentExternalId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().locale("en").transactionAmount(1.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getLoanId()); |
| validateLoanSummaryBalances(loanDetails, 0.01, 225.90, 0.01, 225.90, null); |
| validateRepaymentPeriod(loanDetails, 1, LocalDate.of(2024, 2, 24), 100.0, 100.0, 0.0, 0.0, 0.0); |
| validateRepaymentPeriod(loanDetails, 2, LocalDate.of(2024, 3, 6), 125.91, 125.90, 0.01, 0.0, 36.99); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| verifyTransactions(loanResponse.getLoanId(), // |
| transaction(100, "Disbursement", "25 January 2024", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(100, "Repayment", "24 February 2024", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 36.99, true), // |
| transaction(18.94, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 18.94), // |
| transaction(36.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 55.93), // |
| transaction(31.99, "Merchant Issued Refund", "28 February 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(124.91, "Credit Balance Refund", "01 March 2024", 36.99, 36.99, 0.0, 0.0, 0.0, 0.0, 87.92), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 17.0, 19.99, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(19.99, "Merchant Issued Refund", "02 March 2024", 0.0, 17.0, 0.0, 0.0, 0.0, 0.0, 2.99), // |
| transaction(2.0, "Chargeback", "06 March 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 2.0), // |
| transaction(1.0, "Chargeback", "06 March 2024", 0.01, 0.01, 0.0, 0.0, 0.0, 0.0, 0.99) // |
| ); |
| |
| }); |
| } |
| |
| private static List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) { |
| AtomicInteger integer = new AtomicInteger(1); |
| return Arrays.stream(paymentAllocationTypes).map(pat -> { |
| PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder(); |
| paymentAllocationOrder.setPaymentAllocationRule(pat.name()); |
| paymentAllocationOrder.setOrder(integer.getAndIncrement()); |
| return paymentAllocationOrder; |
| }).collect(Collectors.toList()); |
| } |
| |
| private static AdvancedPaymentData createDefaultPaymentAllocationWithMixedGrouping() { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType("DEFAULT"); |
| advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT"); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST, |
| PaymentAllocationType.PAST_DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static AdvancedPaymentData createDefaultPaymentAllocation() { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType("DEFAULT"); |
| advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT"); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST, |
| PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule) { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType(transactionType); |
| advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST, |
| PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments, |
| boolean autoPayForDownPayment, LoanScheduleType loanScheduleType, LoanScheduleProcessingType loanScheduleProcessingType, |
| AdvancedPaymentData allocationRuleData, final Account... accounts) { |
| LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal) |
| .withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments) |
| .withEnableDownPayment(true, "25", autoPayForDownPayment).withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths() |
| .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts) |
| .addAdvancedPaymentAllocation(allocationRuleData).withInterestCalculationPeriodTypeAsRepaymentPeriod(true) |
| .withInterestTypeAsDecliningBalance().withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .withLoanScheduleType(loanScheduleType).withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30") |
| .withDaysInYear("365").withMoratorium("0", "0").build(null); |
| return loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private static ArrayList<HashMap<String, Object>> createLoanProductGetError(final String principal, final String repaymentAfterEvery, |
| final String numberOfRepayments, boolean autoPayForDownPayment, LoanScheduleType loanScheduleType, |
| LoanScheduleProcessingType loanScheduleProcessingType, AdvancedPaymentData allocationRuleData, final Account... accounts) { |
| LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal) |
| .withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments) |
| .withEnableDownPayment(true, "25", autoPayForDownPayment).withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths() |
| .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts) |
| .addAdvancedPaymentAllocation(allocationRuleData).withInterestCalculationPeriodTypeAsRepaymentPeriod(true) |
| .withInterestTypeAsDecliningBalance().withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .withLoanScheduleType(loanScheduleType).withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30") |
| .withDaysInYear("365").withMoratorium("0", "0").build(null); |
| LoanTransactionHelper loanTransactionHelperBadRequest = new LoanTransactionHelper(requestSpec, |
| new ResponseSpecBuilder().expectStatusCode(400).build()); |
| return loanTransactionHelperBadRequest.getLoanProductError(loanProductJSON, CommonConstants.RESPONSE_ERROR); |
| } |
| |
| private static Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments, |
| boolean downPaymentEnabled, String downPaymentPercentage, boolean autoPayForDownPayment, LoanScheduleType loanScheduleType, |
| LoanScheduleProcessingType loanScheduleProcessingType, final Account... accounts) { |
| AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(); |
| AdvancedPaymentData goodwillCreditAllocation = createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"); |
| AdvancedPaymentData merchantIssuedRefundAllocation = createPaymentAllocation("MERCHANT_ISSUED_REFUND", "REAMORTIZATION"); |
| AdvancedPaymentData payoutRefundAllocation = createPaymentAllocation("PAYOUT_REFUND", "NEXT_INSTALLMENT"); |
| LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal) |
| .withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments) |
| .withEnableDownPayment(downPaymentEnabled, downPaymentPercentage, autoPayForDownPayment).withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths() |
| .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts) |
| .addAdvancedPaymentAllocation(defaultAllocation, goodwillCreditAllocation, merchantIssuedRefundAllocation, |
| payoutRefundAllocation) |
| .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withInterestTypeAsDecliningBalance().withMultiDisburse() |
| .withDisallowExpectedDisbursements(true).withLoanScheduleType(loanScheduleType) |
| .withLoanScheduleProcessingType(loanScheduleProcessingType).withDaysInMonth("30").withDaysInYear("365") |
| .withMoratorium("0", "0").build(null); |
| return loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private static void validatePeriod(GetLoansLoanIdResponse loanDetails, Integer index, LocalDate dueDate, LocalDate paidDate, |
| Double balanceOfLoan, Double principalDue, Double principalPaid, Double principalOutstanding, Double feeDue, Double feePaid, |
| Double feeOutstanding, Double penaltyDue, Double penaltyPaid, Double penaltyOutstanding, Double interestDue, |
| Double interestPaid, Double interestOutstanding, Double paidInAdvance, Double paidLate) { |
| GetLoansLoanIdRepaymentPeriod period = loanDetails.getRepaymentSchedule().getPeriods().get(index); |
| assertEquals(dueDate, period.getDueDate()); |
| assertEquals(paidDate, period.getObligationsMetOnDate()); |
| assertEquals(balanceOfLoan, period.getPrincipalLoanBalanceOutstanding()); |
| assertEquals(principalDue, period.getPrincipalDue()); |
| assertEquals(principalPaid, period.getPrincipalPaid()); |
| assertEquals(principalOutstanding, period.getPrincipalOutstanding()); |
| assertEquals(feeDue, period.getFeeChargesDue()); |
| assertEquals(feePaid, period.getFeeChargesPaid()); |
| assertEquals(feeOutstanding, period.getFeeChargesOutstanding()); |
| assertEquals(penaltyDue, period.getPenaltyChargesDue()); |
| assertEquals(penaltyPaid, period.getPenaltyChargesPaid()); |
| assertEquals(penaltyOutstanding, period.getPenaltyChargesOutstanding()); |
| assertEquals(interestDue, period.getInterestDue()); |
| assertEquals(interestPaid, period.getInterestPaid()); |
| assertEquals(interestOutstanding, period.getInterestOutstanding()); |
| assertEquals(paidInAdvance, period.getTotalPaidInAdvanceForPeriod()); |
| assertEquals(paidLate, period.getTotalPaidLateForPeriod()); |
| } |
| |
| private static PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final BigDecimal principal, |
| final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final BigDecimal interestRate, |
| final String expectedDisbursementDate, final String submittedOnDate, String transactionProcessorCode, |
| String loanScheduleProcessingType) { |
| LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| return loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(clientId).productId(loanProductId.longValue()) |
| .expectedDisbursementDate(expectedDisbursementDate).dateFormat(DATETIME_PATTERN) |
| .transactionProcessingStrategyCode(transactionProcessorCode).locale("en").submittedOnDate(submittedOnDate) |
| .amortizationType(1).interestRatePerPeriod(interestRate).interestCalculationPeriodType(1).interestType(0) |
| .repaymentFrequencyType(0).repaymentEvery(repaymentAfterEvery).repaymentFrequencyType(0) |
| .numberOfRepayments(numberOfRepayments).loanTermFrequency(loanTermFrequency).loanTermFrequencyType(0).principal(principal) |
| .loanType("individual").loanScheduleProcessingType(loanScheduleProcessingType) |
| .maxOutstandingLoanBalance(BigDecimal.valueOf(35000))); |
| } |
| |
| private static PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final BigDecimal principal, |
| final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final BigDecimal interestRate, |
| final String expectedDisbursementDate, final String submittedOnDate) { |
| LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| return applyForLoanApplication(clientId, loanProductId, principal, loanTermFrequency, repaymentAfterEvery, numberOfRepayments, |
| interestRate, expectedDisbursementDate, submittedOnDate, |
| AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY, |
| LoanScheduleProcessingType.HORIZONTAL.name()); |
| } |
| |
| private static void validateLoanTransaction(GetLoansLoanIdResponse loanDetails, int index, double transactionAmount, |
| double principalPortion, double overPaidPortion, double loanBalance) { |
| assertEquals(transactionAmount, loanDetails.getTransactions().get(index).getAmount()); |
| assertEquals(principalPortion, loanDetails.getTransactions().get(index).getPrincipalPortion()); |
| assertEquals(overPaidPortion, loanDetails.getTransactions().get(index).getOverpaymentPortion()); |
| assertEquals(loanBalance, loanDetails.getTransactions().get(index).getOutstandingLoanBalance()); |
| } |
| |
| private void validateLoanCharge(GetLoansLoanIdResponse loanDetails, int index, LocalDate dueDate, double charged, double paid, |
| double outstanding) { |
| GetLoansLoanIdLoanChargeData chargeData = loanDetails.getCharges().get(index); |
| assertEquals(dueDate, chargeData.getDueDate()); |
| assertEquals(charged, chargeData.getAmount()); |
| assertEquals(paid, chargeData.getAmountPaid()); |
| assertEquals(outstanding, chargeData.getAmountOutstanding()); |
| } |
| } |
