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apache / fineract / 99f89b2d8acd2bcbe0afd245955b981b93f996e4 / . / integration-tests / src / test / java / org / apache / fineract / integrationtests / LoanChargebackWithCreditAllocationsIntegrationTests.java
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/**
* Licensed to the Apache Software Foundation (ASF) under one
* or more contributor license agreements. See the NOTICE file
* distributed with this work for additional information
* regarding copyright ownership. The ASF licenses this file
* to you under the Apache License, Version 2.0 (the
* "License"); you may not use this file except in compliance
* with the License. You may obtain a copy of the License at
*
* http://www.apache.org/licenses/LICENSE-2.0
*
* Unless required by applicable law or agreed to in writing,
* software distributed under the License is distributed on an
* "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
* KIND, either express or implied. See the License for the
* specific language governing permissions and limitations
* under the License.
*/
package org.apache.fineract.integrationtests;
import java.math.BigDecimal;
import java.util.Arrays;
import java.util.List;
import java.util.concurrent.atomic.AtomicInteger;
import lombok.extern.slf4j.Slf4j;
import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.CreditAllocationData;
import org.apache.fineract.client.models.CreditAllocationOrder;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdSummary;
import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
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.jetbrains.annotations.Nullable;
import org.junit.jupiter.api.Assertions;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;
@Slf4j
@ExtendWith(LoanTestLifecycleExtension.class)
public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoanIntegrationTest {
@Test
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
});
}
@Test
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheInstallment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("01 February 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "01 February 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
installment(343.0, 0, 50, 20, 413.0, false, "01 March 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
});
}
@Test
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheLoan() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("01 May 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "01 May 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(341.0, 0, 50, 20, 411.0, false, "01 May 2023") //
);
});
}
@Test
public void chargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnNPlusOneInstallment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date + and make a full repayment for the first installment
updateBusinessDate("20 January 2023");
addRepaymentForLoan(loanId, 313.0, "20 January 2023");
// Update Business Date + and make a full repayment for the second installment
updateBusinessDate("20 February 2023");
addRepaymentForLoan(loanId, 313.0, "20 February 2023");
// Update Business Date + and make a full repayment for the third installment
updateBusinessDate("20 March 2023");
addRepaymentForLoan(loanId, 313.0, "20 March 2023");
// Add some charges Update Business Date + and make a full repayment for the fourth installment
updateBusinessDate("20 April 2023");
addCharge(loanId, false, 50, "20 April 2023");
addCharge(loanId, true, 20, "20 April 2023");
Long repaymentTransaction = addRepaymentForLoan(loanId, 381.0, "20 April 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 50, 20, 0.0, true, "01 May 2023") //
);
// Let's move over the maturity date and chargeback some money
updateBusinessDate("02 May 2023");
// Add Chargeback, 20 penalty + 50 fee + 0 interest + 30 principal
addChargebackForLoan(loanId, repaymentTransaction, 100.0);
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(313.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(313.0, "Repayment", "20 February 2023", 624.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(313.0, "Repayment", "20 March 2023", 311.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(381.0, "Repayment", "20 April 2023", 0.0, 311.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 April 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "02 May 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 50, 20, 0.0, true, "01 May 2023"), //
installment(30.0, 0, 50, 20, 100.0, false, "02 May 2023") //
);
});
}
@Test
public void chargebackWithCreditAllocationAndReverseReplayWithBackdatedPayment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
// Add Chargeback20 penalty + 50 fee + 0 interest + 30 principal
addChargebackForLoan(loanId, repaymentTransaction, 100.0);
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// let's add a backdated repayment on 19th of January to trigger reverse replaying the chargeback, that will
// pay both the charges earlier.
addRepaymentForLoan(loanId, 200.0, "19 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(200.0, "Repayment", "19 January 2023", 1120.0, 130.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 737.0, 383.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 837.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
});
}
@Test
public void chargebackWithCreditAllocationReverseReplayedWithBackdatedPayment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("22 January 2023");
// Add Chargeback20 penalty + 50 fee + 0 interest + 30 principal
addChargebackForLoan(loanId, repaymentTransaction, 100.0);
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "22 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// let's add a backdated repayment on 21th of January that will reverse replay the chargeback transaction
// but will leave the
// original repayment from 20th of January unchanged.
addRepaymentForLoan(loanId, 200.0, "21 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(200.0, "Repayment", "21 January 2023", 737.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "22 January 2023", 767.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 837.0);
});
}
@Test
public void chargebackWithCreditAllocationPrincipalInterestFeePenalty() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 1037.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(413.0, 0, 50, 20, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 100.0, 0.0, 0.0, 1037);
});
}
@Test
public void chargebackWithCreditAllocationPrincipalInterestFeePenaltyWhenOverpaid() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
updateBusinessDate("02 May 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "02 May 2023", 50.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0) //
);
// Verify Repayment Schedule
// DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0, true, "01 May 2023"), //
installment(100.0, 0, 0, 0, outstanding(50.0, 0d, 0d, 50.0), false, "02 May 2023") //
);
});
}
@Test
public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaid() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
);
// Verify Repayment Schedule,
// DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, outstanding(30.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
});
}
@Test
public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaidDefaultPaymentPrincipalFirst() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocationPrincipalFirst(), //
chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 0.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
);
// Verify Repayment Schedule,
// DEFAULT payment allocation is ..., DUE_PRINCIPAL, DUE_FEE, DUE_PENALTY ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, outstanding(0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
});
}
@Test
public void doubleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
});
}
@Test
public void doubleChargebackReverseReplayedBothFeeAndPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Let's add repayment to trigger reverse replay for both chargebacks
addRepaymentForLoan(loanId, 200.0, "19 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(200.0, "Repayment", "19 January 2023", 1120.0, 130.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 737.0, 383.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 837.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 937.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
});
}
@Test
public void doubleChargebackReverseReplayedOnlyPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Let's add repayment to trigger reverse replay for both chargebacks
addRepaymentForLoan(loanId, 20.0, "19 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(20.0, "Repayment", "19 January 2023", 1250.0, 0.0, 0.0, 0.0, 20.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 917.0, 333.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
});
}
@Test
public void testAccountingChargebackOnPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");
// Chargeback 250
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(chargeback, //
debit(loansReceivableAccount, 250), //
credit(fundSource, 250) //
);
});
}
@Test
public void testAccountingChargebackOnPrincipalAndFees() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
Long feeId = addCharge(loanId, false, 30, "15 February 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 30, 0, 280.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
// Run periodic accrual
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");
// Chargeback 250
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 280), //
credit(loansReceivableAccount, 250), //
credit(feeReceivableAccount, 30)//
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(chargeback, //
debit(loansReceivableAccount, 250), //
debit(feeReceivableAccount, 30), //
credit(fundSource, 280) //
);
});
}
@Test
public void testAccountingChargebackOnPrincipalAndPenalties() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
Long feeId = addCharge(loanId, true, 30, "15 February 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 30.0, 280.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
// Run periodic accrual
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");
// Chargeback 250
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 280), //
credit(loansReceivableAccount, 250), //
credit(penaltyReceivableAccount, 30)//
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(chargeback, //
debit(loansReceivableAccount, 250), //
debit(penaltyReceivableAccount, 30), //
credit(fundSource, 280) //
);
});
}
@Test
public void testAccountingOverpaymentAmountIsSmallerThanChargeback() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");
// Chargeback 250
updateBusinessDate("31 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Chargeback", "31 March 2023", 100, 250.0, 0.0, 0.0, 0.0, 0.0, 150.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 400), //
credit(loansReceivableAccount, 250), //
credit(overpaymentAccount, 150) //
);
verifyTRJournalEntries(chargeback, //
debit(loansReceivableAccount, 100), //
debit(overpaymentAccount, 150), //
credit(fundSource, 250) //
);
});
}
@Test
public void testAccountingOverpaymentAmountIsBiggerThanChargeback() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");
// Chargeback 250
updateBusinessDate("31 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 100.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "31 March 2023", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, -50.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 400), //
credit(loansReceivableAccount, 250), //
credit(overpaymentAccount, 150) //
);
verifyTRJournalEntries(chargeback, //
debit(overpaymentAccount, 100), //
credit(fundSource, 100) //
);
});
}
@Test
public void testAccountingOverpaidLoansWithFeesWhenOverpaymentAmountIsBiggerThanChargeback() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Add fee & Repayment #2
updateBusinessDate("01 March 2023");
Long feeId = addCharge(loanId, false, 30, "01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// Repayment #3
updateBusinessDate("30 March 2023");
Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");
// Chargeback 250
updateBusinessDate("31 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 100.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "31 March 2023", 0.0, 70.0, 0.0, 30.0, 0.0, 0.0, -50.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 280), //
credit(loansReceivableAccount, 250), //
credit(feeReceivableAccount, 30) //
);
verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
debit(feeReceivableAccount, 30), //
credit(feeIncomeAccount, 30) //
);
verifyTRJournalEntries(repaymentTransaction3, //
debit(fundSource, 400), //
credit(loansReceivableAccount, 250), //
credit(overpaymentAccount, 150) //
);
verifyTRJournalEntries(chargeback, //
debit(overpaymentAccount, 100), //
credit(fundSource, 100) //
);
});
}
@Test
public void testAccountingChargebackOnChargeOffWithPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");
// Charge-Off
updateBusinessDate("15 March 2023");
Long chargeOff = chargeOffLoan(loanId, "15 March 2023");
// Chargeback 250
updateBusinessDate("30 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(chargeOff, //
debit(chargeOffExpenseAccount, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(chargeback, //
debit(chargeOffExpenseAccount, 250), //
credit(fundSource, 250) //
);
});
}
@Test
public void testAccountingChargebackOnChargeOffFraudWithPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Repayment #2
updateBusinessDate("01 March 2023");
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");
// Charge-Off
updateBusinessDate("15 March 2023");
Long chargeOff = chargeOffLoan(loanId, "15 March 2023");
changeLoanFraudState(loanId, true);
// Chargeback 250
updateBusinessDate("30 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250) //
);
verifyTRJournalEntries(chargeOff, //
debit(chargeOffExpenseAccount, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(chargeback, //
debit(chargeOffFraudExpenseAccount, 250), //
credit(fundSource, 250) //
);
});
}
@Test
public void testAccountingChargebackOnChargeOffWithFees() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Add fee 30
updateBusinessDate("01 March 2023");
addCharge(loanId, false, 30, "01 March 2023");
// Repayment #2
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
// Run periodic accrual
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// Charge-Off
updateBusinessDate("15 March 2023");
addCharge(loanId, false, 20, "15 March 2023");
Long chargeOff = chargeOffLoan(loanId, "15 March 2023");
// Chargeback 250
updateBusinessDate("30 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
transaction(270.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 20.0, 0.0, 0.0, 0.0), //
transaction(280.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 280), //
credit(loansReceivableAccount, 250), //
credit(feeReceivableAccount, 30) //
);
verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
debit(feeReceivableAccount, 30), //
credit(feeIncomeAccount, 30) //
);
verifyTRJournalEntries(chargeOff, //
debit(chargeOffExpenseAccount, 250), //
credit(loansReceivableAccount, 250), //
credit(feeReceivableAccount, 20), //
debit(feeChargeOffAccount, 20) //
);
verifyTRJournalEntries(chargeback, //
credit(fundSource, 280), //
debit(chargeOffExpenseAccount, 250), //
debit(feeChargeOffAccount, 30) //
);
});
}
@Test
public void testAccountingChargebackOnChargeOffWithPenalties() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
);
// Repayment #1
updateBusinessDate("01 February 2023");
Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");
// Add fee 30
updateBusinessDate("01 March 2023");
addCharge(loanId, true, 30, "01 March 2023");
// Repayment #2
Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
// Run periodic accrual
schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");
// Charge-Off
updateBusinessDate("15 March 2023");
addCharge(loanId, true, 20, "15 March 2023");
Long chargeOff = chargeOffLoan(loanId, "15 March 2023");
// Chargeback 250
updateBusinessDate("30 March 2023");
Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);
verifyTransactions(loanId, //
transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
transaction(270.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 20.0, 0.0, 0.0), //
transaction(280.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0) //
);
// Verify GL entries
verifyTRJournalEntries(repaymentTransaction1, //
debit(fundSource, 250), //
credit(loansReceivableAccount, 250)//
);
verifyTRJournalEntries(repaymentTransaction2, //
debit(fundSource, 280), //
credit(loansReceivableAccount, 250), //
credit(penaltyReceivableAccount, 30) //
);
verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
debit(penaltyReceivableAccount, 30), //
credit(penaltyIncomeAccount, 30) //
);
verifyTRJournalEntries(chargeOff, //
debit(chargeOffExpenseAccount, 250), //
credit(loansReceivableAccount, 250), //
credit(penaltyReceivableAccount, 20), //
debit(penaltyChargeOffAccount, 20) //
);
verifyTRJournalEntries(chargeback, //
credit(fundSource, 280), //
debit(chargeOffExpenseAccount, 250), //
debit(penaltyChargeOffAccount, 30) //
);
});
}
private void verifyLoanSummaryAmounts(Long loanId, double creditedPrincipal, double creditedFee, double creditedPenalty,
double totalOutstanding) {
GetLoansLoanIdResponse loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
GetLoansLoanIdSummary summary = loanResponse.getSummary();
Assertions.assertNotNull(summary);
Assertions.assertEquals(creditedPrincipal, summary.getPrincipalAdjustments());
Assertions.assertEquals(creditedFee, summary.getFeeAdjustments());
Assertions.assertEquals(creditedPenalty, summary.getPenaltyAdjustments());
Assertions.assertEquals(totalOutstanding, summary.getTotalOutstanding());
}
private Long applyAndApproveLoan(Long clientId, Long loanProductId, int numberOfRepayments) {
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", 1250.0, numberOfRepayments)//
.repaymentEvery(1)//
.loanTermFrequency(numberOfRepayments)//
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
.loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
.transactionProcessingStrategyCode("advanced-payment-allocation-strategy");
PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
approveLoanRequest(1250.0, "01 January 2023"));
Assertions.assertNotNull(approvedLoanResult);
Assertions.assertNotNull(approvedLoanResult.getLoanId());
return approvedLoanResult.getLoanId();
}
@Nullable
private Long applyAndApproveLoan(Long clientId, Long loanProductId) {
return applyAndApproveLoan(clientId, loanProductId, 4);
}
public Long createLoanProduct(AdvancedPaymentData defaultAllocation, CreditAllocationData creditAllocationData) {
PostLoanProductsRequest postLoanProductsRequest = loanProductWithAdvancedPaymentAllocationWith4Installments(defaultAllocation,
creditAllocationData);
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(postLoanProductsRequest);
return loanProductResponse.getResourceId();
}
private PostLoanProductsRequest loanProductWithAdvancedPaymentAllocationWith4Installments(AdvancedPaymentData defaultAllocation,
CreditAllocationData creditAllocationData) {
return createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct().numberOfRepayments(4)//
.repaymentEvery(1)//
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue())//
.loanScheduleType(LoanScheduleType.PROGRESSIVE.toString()) //
.loanScheduleProcessingType(LoanScheduleProcessingType.VERTICAL.toString()) //
.transactionProcessingStrategyCode("advanced-payment-allocation-strategy")
.paymentAllocation(List.of(defaultAllocation, createRepaymentPaymentAllocation()))
.creditAllocation(List.of(creditAllocationData));
}
private 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 AdvancedPaymentData createDefaultPaymentAllocationPrincipalFirst() {
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_PRINCIPAL, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PENALTY,
PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_FEE,
PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_INTEREST);
advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
return advancedPaymentData;
}
private AdvancedPaymentData createRepaymentPaymentAllocation() {
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
advancedPaymentData.setTransactionType("REPAYMENT");
advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_INTEREST, PaymentAllocationType.PAST_DUE_PRINCIPAL,
PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_INTEREST,
PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);
advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
return advancedPaymentData;
}
private CreditAllocationData chargebackAllocation(String... allocationRules) {
CreditAllocationData creditAllocationData = new CreditAllocationData();
creditAllocationData.setTransactionType("CHARGEBACK");
creditAllocationData.setCreditAllocationOrder(createCreditAllocationOrders(allocationRules));
return creditAllocationData;
}
public List<CreditAllocationOrder> createCreditAllocationOrders(String... allocationRule) {
AtomicInteger integer = new AtomicInteger(1);
return Arrays.stream(allocationRule).map(allocation -> {
CreditAllocationOrder creditAllocationOrder = new CreditAllocationOrder();
creditAllocationOrder.setCreditAllocationRule(allocation);
creditAllocationOrder.setOrder(integer.getAndIncrement());
return creditAllocationOrder;
}).toList();
}
private 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;
}).toList();
}
}