| /** |
| * 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.apache.fineract.infrastructure.businessdate.domain.BusinessDateType.BUSINESS_DATE; |
| import static org.assertj.core.api.Assertions.assertThat; |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| |
| import java.math.BigDecimal; |
| import java.util.List; |
| import lombok.AllArgsConstructor; |
| import lombok.extern.slf4j.Slf4j; |
| import org.apache.commons.lang3.tuple.Pair; |
| import org.apache.fineract.client.models.BusinessDateRequest; |
| import org.apache.fineract.client.models.GetLoansLoanIdLoanInstallmentLevelDelinquency; |
| 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.client.models.PostLoansResponse; |
| import org.apache.fineract.client.models.PutLoanProductsProductIdRequest; |
| import org.apache.fineract.client.models.PutLoansLoanIdRequest; |
| import org.apache.fineract.client.models.PutLoansLoanIdResponse; |
| import org.apache.fineract.client.util.CallFailedRuntimeException; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.SchedulerJobHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| 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 InstallmentLevelDelinquencyAPIIntegrationTests extends BaseLoanIntegrationTest { |
| |
| private SchedulerJobHelper schedulerJobHelper = new SchedulerJobHelper(this.requestSpec); |
| |
| @Test |
| public void testInstallmentLevelDelinquencyFourRangesInTheBucket() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range4 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range4 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range3 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range2 |
| ); |
| |
| // since the current day is 31 May 2023, therefore all the installments are delinquent |
| verifyDelinquency(loanId, 120, "1250.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "312.0"), // 3rd installment |
| delinquency(61, null, "624.0") // 1st installment + 2nd installment |
| ); |
| |
| // Repayment of the first two installments |
| addRepaymentForLoan(loanId, 626.0, "31 May 2023"); |
| verifyDelinquency(loanId, 60, "624.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "310.0") // 3rd installment |
| ); |
| |
| // Partial repayment |
| addRepaymentForLoan(loanId, 100.0, "31 May 2023"); |
| verifyDelinquency(loanId, 60, "524.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "210.0") // 3rd installment |
| ); |
| |
| // Repay the loan fully |
| addRepaymentForLoan(loanId, 524.0, "31 May 2023"); |
| verifyDelinquency(loanId, 0, "0.0"); |
| }); |
| } |
| |
| @Test |
| public void testInstallmentLevelDelinquencyTwoRangesInTheBucket() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range2 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range2 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range1 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range1 |
| ); |
| |
| verifyDelinquency(loanId, 120, "1250.0", // |
| delinquency(1, 60, "626.0"), // 4th installment |
| delinquency(61, null, "624.0") // 1st installment + 2nd installment |
| ); |
| |
| // repay the first installment |
| addRepaymentForLoan(loanId, 313.0, "31 May 2023"); |
| |
| verifyDelinquency(loanId, 90, "937.0", // |
| delinquency(1, 60, "626.0"), // 4th installment |
| delinquency(61, null, "311.0") // 1st installment + 2nd installment |
| ); |
| |
| }); |
| } |
| |
| @Test |
| public void testInstallmentLevelDelinquencyIsTurnedOff() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(false); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range2 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range2 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range1 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range1 |
| ); |
| |
| // this should be empty as the installment level delinquency is not enabled for this loan |
| verifyDelinquency(loanId, 120, "1250.0"); |
| }); |
| } |
| |
| @Test |
| public void testInstallmentLevelDelinquencyUpdatedWhenCOBIsExecuted() { |
| runAt("01 February 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 1), // |
| Pair.of(2, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), installment(312.0, false, "31 January 2023"), |
| installment(312.0, false, "02 March 2023"), installment(312.0, false, "01 April 2023"), |
| installment(314.0, false, "01 May 2023")); |
| |
| // The first installment falls into the first range |
| verifyDelinquency(loanId, 1, "312.0", // |
| delinquency(1, 1, "312.0") // 4th installment |
| ); |
| |
| // Let's go one day ahead in the time |
| updateBusinessDateAndExecuteCOBJob("2 February 2023"); |
| |
| // The first installment is not two days delinquent and therefore falls into the second range |
| verifyDelinquency(loanId, 2, "312.0", // |
| delinquency(2, null, "312.0") // 4th installment |
| ); |
| }); |
| } |
| |
| @Test |
| public void testInstallmentLevelDelinquencyTurnedOnForProductAndOffForLoan() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| // set installment level delinquency as true |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan, turn loan level installment delinquency as false |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4, |
| req -> req.setEnableInstallmentLevelDelinquency(false)); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range4 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range4 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range3 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range2 |
| ); |
| |
| // since the installment level delinquency is overridden and set as false for loan application, therefore it |
| // is not calculated |
| verifyDelinquency(loanId, 120, "1250.0"); |
| }); |
| |
| } |
| |
| @Test |
| public void testInstallmentLevelDelinquencyTurnedOffForProductAndOnForLoan() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| // set installment level delinquency as false |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(false); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan, turn loan level installment delinquency as true |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4, |
| req -> req.setEnableInstallmentLevelDelinquency(true)); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range4 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range4 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range3 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range2 |
| ); |
| |
| // since the installment level delinquency is overridden and set as true for loan application, therefore it |
| // is calculated |
| verifyDelinquency(loanId, 120, "1250.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "312.0"), // 3rd installment |
| delinquency(61, null, "624.0") // 1st installment + 2nd installment |
| ); |
| }); |
| |
| } |
| |
| @Test |
| public void testLoanInheritsInstallmentLevelSettingFromLoanProductIfNotSet() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| // set installment level delinquency as true |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan, do not set installment level delinquency |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range4 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range4 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range3 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range2 |
| ); |
| |
| // since the installment level delinquency is inherited from loan product, therefore it |
| // is calculated |
| verifyDelinquency(loanId, 120, "1250.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "312.0"), // 3rd installment |
| delinquency(61, null, "624.0") // 1st installment + 2nd installment |
| ); |
| }); |
| |
| } |
| |
| @Test |
| public void tesInstallmentLevelSettingForLoanWithLoanProductWithoutDelinquencyBucketValidation() { |
| |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply For Loan with installment level delinquency setting |
| CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class, |
| () -> loanTransactionHelper.applyLoan(applyLoanRequest(clientId, loanProductResponse.getResourceId(), "01 January 2023", |
| 1250.0, 4, req -> req.setEnableInstallmentLevelDelinquency(true)))); |
| |
| Assertions.assertTrue(callFailedRuntimeException.getMessage().contains( |
| "Installment level delinquency cannot be enabled for a loan if Delinquency bucket is not configured for loan product")); |
| |
| }); |
| |
| } |
| |
| @Test |
| public void testLoanInstallmentLevelSettingModification() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| |
| // set delinquency bucket |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply for loan |
| Long loanId = loanTransactionHelper |
| .applyLoan(applyLoanRequest(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4)) |
| .getResourceId(); |
| |
| // verify installment level delinquency setting for loan |
| GetLoansLoanIdResponse loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue()); |
| assertThat(loanResponse.getEnableInstallmentLevelDelinquency()).isFalse(); |
| |
| // Modify installment level delinquency as true for loan |
| PutLoansLoanIdResponse loansModificationResponse = loanTransactionHelper.modifyApplicationForLoan(loanId, "modify", |
| new PutLoansLoanIdRequest().clientId(clientId).productId(loanProductResponse.getResourceId()).loanType("individual") |
| .enableInstallmentLevelDelinquency(true).locale("en").dateFormat(DATETIME_PATTERN)); |
| |
| // verify installment level delinquency setting for loan |
| loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue()); |
| assertThat(loanResponse.getEnableInstallmentLevelDelinquency()).isTrue(); |
| |
| // Approve Loan |
| loanTransactionHelper.approveLoan(loanId, approveLoanRequest(1250.0, "01 January 2023")); |
| |
| // Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250), "01 January 2023"); |
| |
| // Verify Repayment Schedule and Due Dates |
| verifyRepaymentSchedule(loanId, // |
| installment(1250.0, null, "01 January 2023"), // |
| installment(312.0, false, "31 January 2023"), // 120 days delinquent -> range4 |
| installment(312.0, false, "02 March 2023"), // 90 days delinquent -> range4 |
| installment(312.0, false, "01 April 2023"), // 60 days delinquent -> range3 |
| installment(314.0, false, "01 May 2023") // 30 days delinquent -> range2 |
| ); |
| |
| // since the installment level delinquency is modified as true for loan, therefore it |
| // is calculated |
| verifyDelinquency(loanId, 120, "1250.0", // |
| delinquency(11, 30, "314.0"), // 4th installment |
| delinquency(31, 60, "312.0"), // 3rd installment |
| delinquency(61, null, "624.0") // 1st installment + 2nd installment |
| ); |
| |
| }); |
| |
| } |
| |
| @Test |
| public void tesInstallmentLevelSettingModificationForLoanWithLoanProductWithoutDelinquencyBucketValidation() { |
| |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product without delinquency bucket |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply for loan |
| Long loanId = loanTransactionHelper |
| .applyLoan(applyLoanRequest(clientId, loanProductResponse.getResourceId(), "01 January 2023", 1250.0, 4)) |
| .getResourceId(); |
| |
| // Modify Loan with installment level delinquency setting |
| CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class, |
| () -> loanTransactionHelper.modifyApplicationForLoan(loanId, "modify", |
| new PutLoansLoanIdRequest().clientId(clientId).productId(loanProductResponse.getResourceId()) |
| .loanType("individual").enableInstallmentLevelDelinquency(true).locale("en") |
| .dateFormat(DATETIME_PATTERN))); |
| |
| Assertions.assertTrue(callFailedRuntimeException.getMessage().contains( |
| "Installment level delinquency cannot be enabled for a loan if Delinquency bucket is not configured for loan product")); |
| |
| }); |
| } |
| |
| @Test |
| public void testCalculateRepaymentScheduleWorksWithInstallmentLevelDelinquencySetting() { |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // Create Loan Product |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| |
| // set installment level delinquency as false |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(false); |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // run calculateLoanSchedule command works, while Applying for loan with installment level delinquency |
| PostLoansResponse loansResponse = loanTransactionHelper |
| .calculateRepaymentScheduleForApplyLoan(applyLoanRequest(clientId, loanProductResponse.getResourceId(), |
| "01 January 2023", 1250.0, 4, req -> req.setEnableInstallmentLevelDelinquency(true)), "calculateLoanSchedule"); |
| |
| assertThat(loansResponse).isNotNull(); |
| assertNotNull(loansResponse.getPeriods()); |
| assertThat(loansResponse.getPeriods().size()).isEqualTo(5); |
| |
| }); |
| |
| } |
| |
| @Test |
| public void tesInstallmentLevelSettingForLoanProductWithoutDelinquencyBucketValidation() { |
| |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product without delinquency bucket |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| // set installment level delinquency as true |
| loanProductsRequest.setEnableInstallmentLevelDelinquency(true); |
| |
| // Create loan product with installment level delinquency setting |
| CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class, |
| () -> loanProductHelper.createLoanProduct(loanProductsRequest)); |
| |
| Assertions.assertTrue(callFailedRuntimeException.getMessage() |
| .contains("Installment level delinquency cannot be enabled if Delinquency bucket is not configured for loan product")); |
| |
| }); |
| |
| } |
| |
| @Test |
| public void tesUpdateInstallmentLevelSettingForLoanProductWithoutDelinquencyBucketValidation() { |
| |
| runAt("31 May 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product without delinquency bucket |
| PostLoanProductsRequest loanProductsRequest = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| InterestType.FLAT, AmortizationType.EQUAL_INSTALLMENTS); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Update loan product with installment level delinquency setting |
| CallFailedRuntimeException callFailedRuntimeException = Assertions.assertThrows(CallFailedRuntimeException.class, |
| () -> loanProductHelper.updateLoanProductById(loanProductResponse.getResourceId(), |
| new PutLoanProductsProductIdRequest().enableInstallmentLevelDelinquency(true).locale("en"))); |
| |
| Assertions.assertTrue(callFailedRuntimeException.getMessage() |
| .contains("Installment level delinquency cannot be enabled if Delinquency bucket is not configured for loan product")); |
| |
| }); |
| |
| } |
| |
| private void updateBusinessDateAndExecuteCOBJob(String date) { |
| businessDateHelper.updateBusinessDate( |
| new BusinessDateRequest().type(BUSINESS_DATE.getName()).date(date).dateFormat(DATETIME_PATTERN).locale("en")); |
| schedulerJobHelper.executeAndAwaitJob("Loan COB"); |
| } |
| |
| @AllArgsConstructor |
| public static class DelinquencyData { |
| |
| Integer minAgeDays; |
| Integer maxAgeDays; |
| BigDecimal delinquentAmount; |
| } |
| |
| private static DelinquencyData delinquency(Integer minAgeDays, Integer maxAgeDays, String delinquentAmount) { |
| return new DelinquencyData(minAgeDays, maxAgeDays, new BigDecimal(delinquentAmount)); |
| } |
| |
| private void verifyDelinquency(Long loanId, Integer loanLevelDelinquentDays, String loanLevelDelinquentAmount, |
| DelinquencyData... expectedInstallmentLevelDelinquencyData) { |
| GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue()); |
| assertThat(loan.getDelinquent()).isNotNull(); |
| List<GetLoansLoanIdLoanInstallmentLevelDelinquency> installmentLevelDelinquency = loan.getDelinquent() |
| .getInstallmentLevelDelinquency(); |
| |
| assertThat(loan.getDelinquent().getDelinquentDays()).isEqualTo(loanLevelDelinquentDays); |
| assertThat(loan.getDelinquent().getDelinquentAmount()).isEqualByComparingTo(Double.valueOf(loanLevelDelinquentAmount)); |
| |
| if (expectedInstallmentLevelDelinquencyData != null && expectedInstallmentLevelDelinquencyData.length > 0) { |
| assertThat(installmentLevelDelinquency).isNotNull(); |
| assertThat(installmentLevelDelinquency).hasSize(expectedInstallmentLevelDelinquencyData.length); |
| for (int i = 0; i < expectedInstallmentLevelDelinquencyData.length; i++) { |
| assertThat(installmentLevelDelinquency.get(i).getMaximumAgeDays()) |
| .isEqualTo(expectedInstallmentLevelDelinquencyData[i].maxAgeDays); |
| assertThat(installmentLevelDelinquency.get(i).getMinimumAgeDays()) |
| .isEqualTo(expectedInstallmentLevelDelinquencyData[i].minAgeDays); |
| assertThat(installmentLevelDelinquency.get(i).getDelinquentAmount()) |
| .isEqualByComparingTo(expectedInstallmentLevelDelinquencyData[i].delinquentAmount); |
| } |
| } else { |
| assertThat(installmentLevelDelinquency).isNull(); |
| } |
| } |
| |
| } |
