| /** |
| * 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 java.math.BigDecimal; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.GetLoansLoanIdTransactionsTransactionIdResponse; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanDownPaymentTransactionChargebackTest extends BaseLoanIntegrationTest { |
| |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25); |
| |
| @Test |
| public void loanDownPaymentTransactionChargebackTest() { |
| runAt("03 March 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| // Create Loan Product |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(false); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 March 2023", 1500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| }); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 March 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 March 2023"), // |
| installment(250.0, false, "01 March 2023"), // |
| installment(250.0, false, "16 March 2023"), // |
| installment(250.0, false, "31 March 2023"), // |
| installment(250.0, false, "15 April 2023")// |
| ); |
| |
| // make down payment |
| final PostLoansLoanIdTransactionsResponse downPaymentTransaction_1 = loanTransactionHelper.makeLoanDownPayment(loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("01 March 2023").locale("en") |
| .transactionAmount(250.0)); |
| assertNotNull(downPaymentTransaction_1); |
| |
| // chargeback down payment transaction |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId.intValue(), |
| downPaymentTransaction_1.getResourceId(), "50.00", 0, responseSpec); |
| |
| reviewLoanTransactionRelations(loanId.intValue(), downPaymentTransaction_1.getResourceId(), 1, Double.valueOf("750.00")); |
| reviewLoanTransactionRelations(loanId.intValue(), chargebackTransactionId, 0, Double.valueOf("800.00")); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 March 2023"), // |
| installment(250.0, true, "01 March 2023"), // |
| installment(300.0, false, "16 March 2023"), // |
| installment(250.0, false, "31 March 2023"), // |
| installment(250.0, false, "15 April 2023")// |
| ); |
| |
| // verify journal entries for chargeback transaction |
| verifyTRJournalEntries(chargebackTransactionId, // |
| credit(fundSource, 50.0), // |
| debit(loansReceivableAccount, 50.0) // |
| ); |
| }); |
| } |
| |
| @Test |
| public void loanDownPaymentTransactionChargebackForAdvancedPaymentAllocationTest() { |
| runAt("03 March 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| // Create Loan Product |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(true); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 March 2023", 1500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 March 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 March 2023"), // |
| installment(250.0, false, "01 March 2023"), // |
| installment(250.0, false, "16 March 2023"), // |
| installment(250.0, false, "31 March 2023"), // |
| installment(250.0, false, "15 April 2023")// |
| ); |
| |
| // make down payment |
| final PostLoansLoanIdTransactionsResponse downPaymentTransaction_1 = loanTransactionHelper.makeLoanDownPayment(loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("01 March 2023").locale("en") |
| .transactionAmount(250.0)); |
| assertNotNull(downPaymentTransaction_1); |
| |
| // chargeback down payment transaction |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId.intValue(), |
| downPaymentTransaction_1.getResourceId(), "50.00", 0, responseSpec); |
| |
| reviewLoanTransactionRelations(loanId.intValue(), downPaymentTransaction_1.getResourceId(), 1, Double.valueOf("750.00")); |
| reviewLoanTransactionRelations(loanId.intValue(), chargebackTransactionId, 0, Double.valueOf("800.00")); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 March 2023"), // |
| installment(250.0, true, "01 March 2023"), // |
| installment(300.0, false, "16 March 2023"), // |
| installment(250.0, false, "31 March 2023"), // |
| installment(250.0, false, "15 April 2023")// |
| ); |
| |
| // verify journal entries for chargeback transaction |
| verifyTRJournalEntries(chargebackTransactionId, // |
| credit(fundSource, 50.0), // |
| debit(loansReceivableAccount, 50.0) // |
| ); |
| }); |
| } |
| |
| private Long createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(boolean isAdvancedPaymentStrategy) { |
| boolean multiDisburseEnabled = true; |
| PostLoanProductsRequest product = isAdvancedPaymentStrategy |
| ? createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| : createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| product.setNumberOfRepayments(3); |
| product.setRepaymentEvery(15); |
| |
| if (!multiDisburseEnabled) { |
| product.disallowExpectedDisbursements(null); |
| product.setAllowApprovedDisbursedAmountsOverApplied(null); |
| product.overAppliedCalculationType(null); |
| product.overAppliedNumber(null); |
| } |
| |
| product.setEnableDownPayment(true); |
| product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE); |
| product.setEnableAutoRepaymentForDownPayment(false); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| assertNotNull(getLoanProductsProductIdResponse); |
| return loanProductResponse.getResourceId(); |
| |
| } |
| |
| private void reviewLoanTransactionRelations(final Integer loanId, final Long transactionId, final Integer expectedSize, |
| final Double outstandingBalance) { |
| |
| GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper.getLoanTransaction(loanId, |
| transactionId.intValue()); |
| assertNotNull(getLoansTransactionResponse); |
| assertNotNull(getLoansTransactionResponse.getTransactionRelations()); |
| assertEquals(expectedSize, getLoansTransactionResponse.getTransactionRelations().size()); |
| // Outstanding amount |
| assertEquals(outstandingBalance, getLoansTransactionResponse.getOutstandingLoanBalance()); |
| } |
| } |
