| /** |
| * 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 java.lang.Boolean.TRUE; |
| import static org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType.BUSINESS_DATE; |
| import static org.assertj.core.api.Assertions.assertThat; |
| import static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.List; |
| import org.apache.commons.lang3.tuple.Pair; |
| import org.apache.fineract.client.models.BusinessDateRequest; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| import org.junit.jupiter.api.Assertions; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanDelinquencyDetailsNextPaymentDateConfigurationTest extends BaseLoanIntegrationTest { |
| |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25); |
| |
| @Test |
| public void testNextPaymentDateForUnpaidInstallmentsWithNPlusOneTest() { |
| runAt("01 November 2023", () -> { |
| try { |
| // update Global configuration for next payment date |
| GlobalConfigurationHelper.updateLoanNextPaymentDateConfiguration(this.requestSpec, this.responseSpec, |
| "next-unpaid-due-date"); |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith25PctDownPaymentAndDelinquencyBucket(false, true, false, 0); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 November 2023", 1000.0, 3, req -> { |
| req.submittedOnDate("01 November 2023"); |
| req.setLoanTermFrequency(45); |
| req.setRepaymentEvery(15); |
| req.setGraceOnArrearsAgeing(0); |
| }); |
| |
| // Loan amount Disbursement |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 November 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, false, "01 November 2023"), // |
| installment(250.0, false, "16 November 2023"), // |
| installment(250.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023") // |
| ); |
| |
| // delinquency next payment date for 01 Nov Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "01 November 2023", false); |
| |
| // Update business date |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("13 November 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 13 Nov Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "16 November 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("16 November 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 16 Nov Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "01 December 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("01 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 01 Dec Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "16 December 2023", false); |
| |
| // add charge with due date after loan maturity date (N + 1) |
| Long loanChargeId = addCharge(loanId, false, 50, "23 December 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, false, "01 November 2023"), // |
| installment(250.0, false, "16 November 2023"), // |
| installment(250.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023"), // |
| installment(0.0, 0.0, 50.0, 50.0, false, "23 December 2023") // |
| ); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("17 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 17 Dec Business date N + 1 |
| verifyLoanDelinquencyNextPaymentDate(loanId, "23 December 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("25 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| } finally { |
| // reset global config |
| GlobalConfigurationHelper.updateLoanNextPaymentDateConfiguration(this.requestSpec, this.responseSpec, |
| "earliest-unpaid-date"); |
| } |
| |
| }); |
| } |
| |
| @Test |
| public void testNextPaymentDateFor2Paid1PartiallyPaidInstallmentsWithNPlusOneTest() { |
| runAt("01 November 2023", () -> { |
| try { |
| // update Global configuration for next payment date |
| GlobalConfigurationHelper.updateLoanNextPaymentDateConfiguration(this.requestSpec, this.responseSpec, |
| "next-unpaid-due-date"); |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product with auto downpayment enabled |
| Long loanProductId = createLoanProductWith25PctDownPaymentAndDelinquencyBucket(true, true, false, 0); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 November 2023", 1000.0, 3, req -> { |
| req.submittedOnDate("01 November 2023"); |
| req.setLoanTermFrequency(45); |
| req.setRepaymentEvery(15); |
| req.setGraceOnArrearsAgeing(0); |
| }); |
| |
| // Loan amount Disbursement |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 November 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, true, "01 November 2023"), // |
| installment(250.0, false, "16 November 2023"), // |
| installment(250.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023") // |
| ); |
| |
| // delinquency next payment date for 01 Nov Business date with auto paid downpayment installment |
| verifyLoanDelinquencyNextPaymentDate(loanId, "16 November 2023", false); |
| |
| // Update business date |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("13 November 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 13 Nov Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "16 November 2023", false); |
| |
| // pay 16 Nov Installment |
| addRepaymentForLoan(loanId, 250.0, "13 November 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, true, "01 November 2023"), // |
| installment(250.0, true, "16 November 2023"), // |
| installment(250.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023")// |
| ); |
| |
| // delinquency next payment date for 13 Nov Business date after paying 16 November Installment |
| verifyLoanDelinquencyNextPaymentDate(loanId, "01 December 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("16 November 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 16 Nov Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "01 December 2023", false); |
| |
| // partially pay 01 December installment |
| addRepaymentForLoan(loanId, 100.0, "16 November 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, true, "01 November 2023"), // |
| installment(250.0, true, "16 November 2023"), // |
| installment(250.0, 0.0, 150.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023")// |
| ); |
| |
| // delinquency next payment date for 16 Nov Business date after partial payment of 01 Dec installment |
| verifyLoanDelinquencyNextPaymentDate(loanId, "01 December 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("01 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 01 December Business date |
| verifyLoanDelinquencyNextPaymentDate(loanId, "16 December 2023", false); |
| |
| // add charge with due date after loan maturity date (N + 1) |
| Long loanChargeId = addCharge(loanId, false, 50, "23 December 2023"); |
| |
| // verify repayment schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 November 2023"), // |
| installment(250.0, true, "01 November 2023"), // |
| installment(250.0, true, "16 November 2023"), // |
| installment(250.0, 0.0, 150.0, false, "01 December 2023"), // |
| installment(250.0, false, "16 December 2023"), // |
| installment(0.0, 0.0, 50.0, 50.0, false, "23 December 2023") // |
| ); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("17 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| |
| // delinquency next payment date for 17 Dec Business date N + 1 |
| verifyLoanDelinquencyNextPaymentDate(loanId, "23 December 2023", false); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("25 December 2023") |
| .dateFormat(DATETIME_PATTERN).locale("en")); |
| } finally { |
| // reset global config |
| GlobalConfigurationHelper.updateLoanNextPaymentDateConfiguration(this.requestSpec, this.responseSpec, |
| "earliest-unpaid-date"); |
| } |
| |
| }); |
| } |
| |
| private void verifyLoanDelinquencyNextPaymentDate(Long loanId, String nextPaymentDate, boolean verifyNull) { |
| GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue()); |
| Assertions.assertNotNull(loan.getDelinquent()); |
| if (!verifyNull) { |
| Assertions.assertNotNull(loan.getDelinquent().getNextPaymentDueDate()); |
| assertThat(loan.getDelinquent().getNextPaymentDueDate().isEqual(LocalDate.parse(nextPaymentDate, dateTimeFormatter))); |
| } else { |
| Assertions.assertNull(loan.getDelinquent().getNextPaymentDueDate()); |
| } |
| |
| } |
| |
| private Long createLoanProductWith25PctDownPaymentAndDelinquencyBucket(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled, |
| boolean installmentLevelDelinquencyEnabled, Integer graceOnArrearsAging) { |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 3), // |
| Pair.of(4, 10), // |
| Pair.of(11, 60), // |
| Pair.of(61, null)// |
| )); |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| product.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| product.setEnableDownPayment(true); |
| product.setGraceOnArrearsAgeing(graceOnArrearsAging); |
| |
| product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE); |
| product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled); |
| product.setEnableInstallmentLevelDelinquency(installmentLevelDelinquencyEnabled); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment()); |
| assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment()); |
| assertEquals(0, getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE)); |
| assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment()); |
| assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan()); |
| return loanProductId; |
| |
| } |
| } |
