service/src/main/java/org/apache/fineract/cn/deposit/service/internal/command/handler/InterestCalculator.java - fineract-cn-deposit-account-management - Git at Google

 /*
  * 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.cn.deposit.service.internal.command.handler;

 import com.google.common.collect.Sets;
 import java.math.BigDecimal;
 import java.math.MathContext;
 import java.sql.Date;
 import java.time.Clock;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
 import java.util.ArrayList;
 import java.util.List;
 import java.util.Optional;
 import java.util.stream.Collectors;
 import java.util.stream.IntStream;
 import javax.transaction.Transactional;
 import org.apache.commons.lang.RandomStringUtils;
 import org.apache.fineract.cn.accounting.api.v1.domain.Account;
 import org.apache.fineract.cn.accounting.api.v1.domain.AccountEntry;
 import org.apache.fineract.cn.accounting.api.v1.domain.Creditor;
 import org.apache.fineract.cn.accounting.api.v1.domain.Debtor;
 import org.apache.fineract.cn.accounting.api.v1.domain.JournalEntry;
 import org.apache.fineract.cn.api.util.UserContextHolder;
 import org.apache.fineract.cn.command.annotation.Aggregate;
 import org.apache.fineract.cn.command.annotation.CommandHandler;
 import org.apache.fineract.cn.command.annotation.CommandLogLevel;
 import org.apache.fineract.cn.command.annotation.EventEmitter;
 import org.apache.fineract.cn.deposit.api.v1.EventConstants;
 import org.apache.fineract.cn.deposit.api.v1.domain.InterestPayable;
 import org.apache.fineract.cn.deposit.api.v1.domain.Type;
 import org.apache.fineract.cn.deposit.service.internal.command.AccrualCommand;
 import org.apache.fineract.cn.deposit.service.internal.command.DividendDistributionCommand;
 import org.apache.fineract.cn.deposit.service.internal.command.PayInterestCommand;
 import org.apache.fineract.cn.deposit.service.internal.repository.AccruedInterestEntity;
 import org.apache.fineract.cn.deposit.service.internal.repository.AccruedInterestRepository;
 import org.apache.fineract.cn.deposit.service.internal.repository.DividendDistributionEntity;
 import org.apache.fineract.cn.deposit.service.internal.repository.DividendDistributionRepository;
 import org.apache.fineract.cn.deposit.service.internal.repository.ProductDefinitionEntity;
 import org.apache.fineract.cn.deposit.service.internal.repository.ProductDefinitionRepository;
 import org.apache.fineract.cn.deposit.service.internal.repository.ProductInstanceEntity;
 import org.apache.fineract.cn.deposit.service.internal.repository.ProductInstanceRepository;
 import org.apache.fineract.cn.deposit.service.internal.repository.TermEntity;
 import org.apache.fineract.cn.deposit.service.internal.repository.TermRepository;
 import org.apache.fineract.cn.deposit.service.internal.service.helper.AccountingService;
 import org.apache.fineract.cn.lang.DateConverter;
 import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.data.domain.Sort;
 import org.threeten.extra.YearQuarter;

 @Aggregate
 public class InterestCalculator {
   private static final int INTEREST_PRECISION = 7;
   private static final String ACTIVE = "ACTIVE";
   private final ProductDefinitionRepository productDefinitionRepository;
   private final ProductInstanceRepository productInstanceRepository;
   private final TermRepository termRepository;
   private final AccountingService accountingService;
   private final AccruedInterestRepository accruedInterestRepository;
   private final DividendDistributionRepository dividendDistributionRepository;

   @Autowired
   public InterestCalculator(
       final ProductDefinitionRepository productDefinitionRepository,
       final ProductInstanceRepository productInstanceRepository,
       final TermRepository termRepository,
       final AccountingService accountingService,
       final AccruedInterestRepository accruedInterestRepository,
       final DividendDistributionRepository dividendDistributionRepository) {
     super();
     this.productDefinitionRepository = productDefinitionRepository;
     this.productInstanceRepository = productInstanceRepository;
     this.termRepository = termRepository;
     this.accruedInterestRepository = accruedInterestRepository;
     this.accountingService = accountingService;
     this.dividendDistributionRepository = dividendDistributionRepository;
   }

   @Transactional
   @CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish =  CommandLogLevel.DEBUG)
   @EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.INTEREST_ACCRUED)
   public String process(final AccrualCommand accrualCommand) {
     final LocalDate accrualDate = accrualCommand.dueDate();

     final List<ProductDefinitionEntity> productDefinitions = this.productDefinitionRepository.findAll();

     productDefinitions.forEach(productDefinitionEntity -> {
       if (this.accruableProduct(productDefinitionEntity)) {

         final ArrayList<Double> accruedValues = new ArrayList<>();

         final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);

         final List<ProductInstanceEntity> productInstances =
             this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);

         productInstances.forEach(productInstanceEntity -> {
           if (productInstanceEntity.getState().equals(ACTIVE)) {

             final Account account = this.accountingService.findAccount(productInstanceEntity.getAccountIdentifier());

             if (account.getBalance() > 0.00D) {
               final BigDecimal balance = BigDecimal.valueOf(account.getBalance());

               final BigDecimal rate = BigDecimal.valueOf(productDefinitionEntity.getInterest())
                   .divide(BigDecimal.valueOf(100), INTEREST_PRECISION, BigDecimal.ROUND_HALF_EVEN);

               final BigDecimal accruedInterest =
                   accruedInterest(balance, rate,
                       this.periodOfInterestPayable(term.getInterestPayable()), accrualDate.lengthOfYear());

               if (accruedInterest.compareTo(BigDecimal.ZERO) > 0) {
                 final Double doubleValue =
                     accruedInterest.setScale(5, BigDecimal.ROUND_HALF_EVEN).doubleValue();

                 accruedValues.add(doubleValue);

                 final Optional<AccruedInterestEntity> optionalAccruedInterest =
                     this.accruedInterestRepository.findByCustomerAccountIdentifier(account.getIdentifier());
                 if (optionalAccruedInterest.isPresent()) {
                   final AccruedInterestEntity accruedInterestEntity = optionalAccruedInterest.get();
                   accruedInterestEntity.setAmount(accruedInterestEntity.getAmount() + doubleValue);
                   this.accruedInterestRepository.save(accruedInterestEntity);
                 } else {
                   final AccruedInterestEntity accruedInterestEntity = new AccruedInterestEntity();
                   accruedInterestEntity.setAccrueAccountIdentifier(productDefinitionEntity.getAccrueAccountIdentifier());
                   accruedInterestEntity.setCustomerAccountIdentifier(account.getIdentifier());
                   accruedInterestEntity.setAmount(doubleValue);
                   this.accruedInterestRepository.save(accruedInterestEntity);
                 }
               }
             }
           }
         });

         final String roundedAmount =
             BigDecimal.valueOf(accruedValues.parallelStream().reduce(0.00D, Double::sum))
                 .setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

         final JournalEntry cashToAccrueJournalEntry = new JournalEntry();
         cashToAccrueJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
         cashToAccrueJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
         cashToAccrueJournalEntry.setTransactionType("INTR");
         cashToAccrueJournalEntry.setClerk(UserContextHolder.checkedGetUser());
         cashToAccrueJournalEntry.setNote("Daily accrual for product " + productDefinitionEntity.getIdentifier() + ".");

         final Debtor cashDebtor = new Debtor();
         cashDebtor.setAccountNumber(productDefinitionEntity.getCashAccountIdentifier());
         cashDebtor.setAmount(roundedAmount);
         cashToAccrueJournalEntry.setDebtors(Sets.newHashSet(cashDebtor));

         final Creditor accrueCreditor = new Creditor();
         accrueCreditor.setAccountNumber(productDefinitionEntity.getAccrueAccountIdentifier());
         accrueCreditor.setAmount(roundedAmount);
         cashToAccrueJournalEntry.setCreditors(Sets.newHashSet(accrueCreditor));

         this.accountingService.post(cashToAccrueJournalEntry);
       }
     });

     return DateConverter.toIsoString(accrualDate);
   }

   @Transactional
   @CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish = CommandLogLevel.DEBUG)
   @EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.INTEREST_PAYED)
   public String process(final PayInterestCommand payInterestCommand) {
     final List<ProductDefinitionEntity> productDefinitionEntities = this.productDefinitionRepository.findAll();

     productDefinitionEntities.forEach(productDefinitionEntity -> {
       if (productDefinitionEntity.getActive()
           && !productDefinitionEntity.getType().equals(Type.SHARE.name())) {
         final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);
         if (this.shouldPayInterest(term.getInterestPayable(), payInterestCommand.date())) {
           final List<ProductInstanceEntity> productInstanceEntities =
               this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);

           productInstanceEntities.forEach(productInstanceEntity -> {
             final Optional<AccruedInterestEntity> optionalAccruedInterestEntity =
                 this.accruedInterestRepository.findByCustomerAccountIdentifier(productInstanceEntity.getAccountIdentifier());

             if (optionalAccruedInterestEntity.isPresent()) {
               final AccruedInterestEntity accruedInterestEntity = optionalAccruedInterestEntity.get();

               final String roundedAmount =
                   BigDecimal.valueOf(accruedInterestEntity.getAmount())
                       .setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

               final JournalEntry accrueToExpenseJournalEntry = new JournalEntry();
               accrueToExpenseJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
               accrueToExpenseJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
               accrueToExpenseJournalEntry.setTransactionType("INTR");
               accrueToExpenseJournalEntry.setClerk(UserContextHolder.checkedGetUser());
               accrueToExpenseJournalEntry.setNote("Interest paid.");

               final Debtor accrueDebtor = new Debtor();
               accrueDebtor.setAccountNumber(accruedInterestEntity.getAccrueAccountIdentifier());
               accrueDebtor.setAmount(roundedAmount);
               accrueToExpenseJournalEntry.setDebtors(Sets.newHashSet(accrueDebtor));

               final Creditor expenseCreditor = new Creditor();
               expenseCreditor.setAccountNumber(productDefinitionEntity.getExpenseAccountIdentifier());
               expenseCreditor.setAmount(roundedAmount);
               accrueToExpenseJournalEntry.setCreditors(Sets.newHashSet(expenseCreditor));

               this.accruedInterestRepository.delete(accruedInterestEntity);

               this.accountingService.post(accrueToExpenseJournalEntry);

               this.payoutInterest(
                   productDefinitionEntity.getExpenseAccountIdentifier(),
                   accruedInterestEntity.getCustomerAccountIdentifier(),
                   roundedAmount
               );
             }
           });
         }
       }
     });

     return EventConstants.INTEREST_PAYED;
   }

   @Transactional
   @CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish = CommandLogLevel.DEBUG)
   @EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.DIVIDEND_DISTRIBUTION)
   public String process(final DividendDistributionCommand dividendDistributionCommand) {
     final Optional<ProductDefinitionEntity> optionalProductDefinition =
         this.productDefinitionRepository.findByIdentifier(dividendDistributionCommand.productDefinition());
     if (optionalProductDefinition.isPresent()) {
       final ProductDefinitionEntity productDefinitionEntity = optionalProductDefinition.get();
       if (productDefinitionEntity.getActive()) {
         final BigDecimal rate = BigDecimal.valueOf(dividendDistributionCommand.rate());
         final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);
         final List<String> dateRanges = this.dateRanges(dividendDistributionCommand.dueDate(), term.getInterestPayable());

         final List<ProductInstanceEntity> productInstanceEntities =
             this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);
         productInstanceEntities.forEach((ProductInstanceEntity productInstanceEntity) -> {
           if (productInstanceEntity.getState().equals(ACTIVE)) {

             final Account account =
                 this.accountingService.findAccount(productInstanceEntity.getAccountIdentifier());

             final LocalDate startDate = dividendDistributionCommand.dueDate().plusDays(1);
             final LocalDate now = LocalDate.now(Clock.systemUTC());

             final String findCurrentEntries = DateConverter.toIsoString(startDate) + ".." + DateConverter.toIsoString(now);
             final List<AccountEntry> currentAccountEntries =
                 this.accountingService.fetchEntries(account.getIdentifier(), findCurrentEntries, Sort.Direction.ASC.name());

             final BalanceHolder balanceHolder;
             if (currentAccountEntries.isEmpty()) {
               balanceHolder = new BalanceHolder(BigDecimal.valueOf(account.getBalance()));
             } else {
               final AccountEntry accountEntry = currentAccountEntries.get(0);
               balanceHolder = new BalanceHolder(BigDecimal.valueOf(accountEntry.getBalance()).subtract(BigDecimal.valueOf(accountEntry.getAmount())));
             }

             final DividendHolder dividendHolder = new DividendHolder();
             dateRanges.forEach(dateRange -> {
               final List<AccountEntry> accountEntries =
                   this.accountingService.fetchEntries(account.getIdentifier(), dateRange, Sort.Direction.DESC.name());
               if (!accountEntries.isEmpty()) {
                 balanceHolder.setBalance(BigDecimal.valueOf(accountEntries.get(0).getBalance()));
               }

               final BigDecimal currentBalance = balanceHolder.getBalance();
               dividendHolder.addAmount(
                   accruedInterest(currentBalance, rate, 12, dividendDistributionCommand.dueDate().lengthOfYear())
               );
             });

             if (dividendHolder.getAmount().compareTo(BigDecimal.ZERO) > 0) {

               final String roundedAmount =
                   dividendHolder.getAmount()
                       .setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

               final JournalEntry cashToExpenseJournalEntry = new JournalEntry();
               cashToExpenseJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
               cashToExpenseJournalEntry.setTransactionDate(DateConverter.toIsoString(now));
               cashToExpenseJournalEntry.setTransactionType("INTR");
               cashToExpenseJournalEntry.setClerk(UserContextHolder.checkedGetUser());
               cashToExpenseJournalEntry.setNote("Dividend distribution.");

               final Debtor cashDebtor = new Debtor();
               cashDebtor.setAccountNumber(productDefinitionEntity.getCashAccountIdentifier());
               cashDebtor.setAmount(roundedAmount);
               cashToExpenseJournalEntry.setDebtors(Sets.newHashSet(cashDebtor));

               final Creditor expenseCreditor = new Creditor();
               expenseCreditor.setAccountNumber(productDefinitionEntity.getExpenseAccountIdentifier());
               expenseCreditor.setAmount(roundedAmount);
               cashToExpenseJournalEntry.setCreditors(Sets.newHashSet(expenseCreditor));

               this.accountingService.post(cashToExpenseJournalEntry);

               this.payoutInterest(
                   productDefinitionEntity.getExpenseAccountIdentifier(),
                   account.getIdentifier(),
                   roundedAmount
               );
             }
           }
         });
       }
       final DividendDistributionEntity dividendDistributionEntity = new DividendDistributionEntity();

       dividendDistributionEntity.setProductDefinition(productDefinitionEntity);
       dividendDistributionEntity.setDueDate(Date.valueOf(dividendDistributionCommand.dueDate()));
       dividendDistributionEntity.setRate(dividendDistributionCommand.rate());
       dividendDistributionEntity.setCreatedOn(LocalDateTime.now(Clock.systemUTC()));
       dividendDistributionEntity.setCreatedBy(UserContextHolder.checkedGetUser());

       this.dividendDistributionRepository.save(dividendDistributionEntity);
     }

     return dividendDistributionCommand.productDefinition();
   }

   private int periodOfInterestPayable(final String interestPayable) {
     switch (InterestPayable.valueOf(interestPayable)) {
       case MONTHLY:
         return 12;
       case QUARTERLY:
         return 4;
       default:
         return 1;
     }
   }

   private boolean shouldPayInterest(final String interestPayable, final LocalDate date) {
     switch (InterestPayable.valueOf(interestPayable)) {
       case MONTHLY:
         return date.equals(date.withDayOfMonth(date.lengthOfMonth()));
       case QUARTERLY:
         return date.equals(YearQuarter.from(date).atEndOfQuarter());
       case ANNUALLY:
         return date.getDayOfYear() == date.lengthOfYear();
       default:
         return false;
     }
   }

   private List<String> dateRanges(final LocalDate dueDate, final String interestPayable) {
     final int pastDays;
     switch (InterestPayable.valueOf(interestPayable)) {
       case MONTHLY:
         pastDays = dueDate.lengthOfMonth();
         break;
       case QUARTERLY:
         pastDays = YearQuarter.from(dueDate).lengthOfQuarter();
         break;
       default:
         pastDays = dueDate.lengthOfYear();
     }

     return IntStream
         .range(1, pastDays)
         .mapToObj(value -> {
           final LocalDate before = dueDate.minusDays(value);
           return DateConverter.toIsoString(before) + ".." + DateConverter.toIsoString(dueDate.minusDays(value - 1));
         }).collect(Collectors.toList());
   }

   private class BalanceHolder {
     private BigDecimal balance;

     private BalanceHolder(final BigDecimal balance) {
       super();
       this.balance = balance;
     }

     private BigDecimal getBalance() {
       return this.balance;
     }

     private void setBalance(final BigDecimal balance) {
       this.balance = balance;
     }
   }

   private class DividendHolder {
     private BigDecimal amount;

     private DividendHolder() {
       super();
       this.amount = BigDecimal.ZERO;
     }

     private void addAmount(final BigDecimal toAdd) {
       this.amount = this.amount.add(toAdd);
     }

     private BigDecimal getAmount() {
       return this.amount;
     }
   }

   private boolean accruableProduct(final ProductDefinitionEntity productDefinitionEntity) {
     return productDefinitionEntity.getActive()
         && !productDefinitionEntity.getType().equals(Type.SHARE.name())
         && productDefinitionEntity.getInterest() != null
         && productDefinitionEntity.getInterest() > 0.00D;
   }

   private void payoutInterest(final String expenseAccount, final String customerAccount, final String amount) {
     final JournalEntry expenseToCustomerJournalEntry = new JournalEntry();
     expenseToCustomerJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
     expenseToCustomerJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
     expenseToCustomerJournalEntry.setTransactionType("INTR");
     expenseToCustomerJournalEntry.setClerk(UserContextHolder.checkedGetUser());
     expenseToCustomerJournalEntry.setNote("Interest paid.");

     final Debtor expenseDebtor = new Debtor();
     expenseDebtor.setAccountNumber(expenseAccount);
     expenseDebtor.setAmount(amount);
     expenseToCustomerJournalEntry.setDebtors(Sets.newHashSet(expenseDebtor));

     final Creditor customerCreditor = new Creditor();
     customerCreditor.setAccountNumber(customerAccount);
     customerCreditor.setAmount(amount);
     expenseToCustomerJournalEntry.setCreditors(Sets.newHashSet(customerCreditor));

     this.accountingService.post(expenseToCustomerJournalEntry);

   }

   /**
    * Copied from JavaMoney AnnualPercentageYield.calculate, and adjusted.
    * @return the resulting amount, never null.
    */
   private static BigDecimal accruedInterest(
       final BigDecimal amount,
       final BigDecimal rate,
       final int periods,
       final int lengthOfYear) {
     final BigDecimal baseFactor = rate.divide(BigDecimal.valueOf(periods),MathContext.DECIMAL64)
         .add(BigDecimal.ONE);
     final BigDecimal annualInterest = amount.multiply(baseFactor.pow(periods).subtract(BigDecimal.ONE));

     return annualInterest
             .divide(BigDecimal.valueOf(lengthOfYear),
                 amount.scale() + INTEREST_PRECISION, BigDecimal.ROUND_HALF_EVEN);
   }
 }
	/*
	* 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.cn.deposit.service.internal.command.handler;

	import com.google.common.collect.Sets;
	import java.math.BigDecimal;
	import java.math.MathContext;
	import java.sql.Date;
	import java.time.Clock;
	import java.time.LocalDate;
	import java.time.LocalDateTime;
	import java.util.ArrayList;
	import java.util.List;
	import java.util.Optional;
	import java.util.stream.Collectors;
	import java.util.stream.IntStream;
	import javax.transaction.Transactional;
	import org.apache.commons.lang.RandomStringUtils;
	import org.apache.fineract.cn.accounting.api.v1.domain.Account;
	import org.apache.fineract.cn.accounting.api.v1.domain.AccountEntry;
	import org.apache.fineract.cn.accounting.api.v1.domain.Creditor;
	import org.apache.fineract.cn.accounting.api.v1.domain.Debtor;
	import org.apache.fineract.cn.accounting.api.v1.domain.JournalEntry;
	import org.apache.fineract.cn.api.util.UserContextHolder;
	import org.apache.fineract.cn.command.annotation.Aggregate;
	import org.apache.fineract.cn.command.annotation.CommandHandler;
	import org.apache.fineract.cn.command.annotation.CommandLogLevel;
	import org.apache.fineract.cn.command.annotation.EventEmitter;
	import org.apache.fineract.cn.deposit.api.v1.EventConstants;
	import org.apache.fineract.cn.deposit.api.v1.domain.InterestPayable;
	import org.apache.fineract.cn.deposit.api.v1.domain.Type;
	import org.apache.fineract.cn.deposit.service.internal.command.AccrualCommand;
	import org.apache.fineract.cn.deposit.service.internal.command.DividendDistributionCommand;
	import org.apache.fineract.cn.deposit.service.internal.command.PayInterestCommand;
	import org.apache.fineract.cn.deposit.service.internal.repository.AccruedInterestEntity;
	import org.apache.fineract.cn.deposit.service.internal.repository.AccruedInterestRepository;
	import org.apache.fineract.cn.deposit.service.internal.repository.DividendDistributionEntity;
	import org.apache.fineract.cn.deposit.service.internal.repository.DividendDistributionRepository;
	import org.apache.fineract.cn.deposit.service.internal.repository.ProductDefinitionEntity;
	import org.apache.fineract.cn.deposit.service.internal.repository.ProductDefinitionRepository;
	import org.apache.fineract.cn.deposit.service.internal.repository.ProductInstanceEntity;
	import org.apache.fineract.cn.deposit.service.internal.repository.ProductInstanceRepository;
	import org.apache.fineract.cn.deposit.service.internal.repository.TermEntity;
	import org.apache.fineract.cn.deposit.service.internal.repository.TermRepository;
	import org.apache.fineract.cn.deposit.service.internal.service.helper.AccountingService;
	import org.apache.fineract.cn.lang.DateConverter;
	import org.springframework.beans.factory.annotation.Autowired;
	import org.springframework.data.domain.Sort;
	import org.threeten.extra.YearQuarter;

	@Aggregate
	public class InterestCalculator {
	private static final int INTEREST_PRECISION = 7;
	private static final String ACTIVE = "ACTIVE";
	private final ProductDefinitionRepository productDefinitionRepository;
	private final ProductInstanceRepository productInstanceRepository;
	private final TermRepository termRepository;
	private final AccountingService accountingService;
	private final AccruedInterestRepository accruedInterestRepository;
	private final DividendDistributionRepository dividendDistributionRepository;

	@Autowired
	public InterestCalculator(
	final ProductDefinitionRepository productDefinitionRepository,
	final ProductInstanceRepository productInstanceRepository,
	final TermRepository termRepository,
	final AccountingService accountingService,
	final AccruedInterestRepository accruedInterestRepository,
	final DividendDistributionRepository dividendDistributionRepository) {
	super();
	this.productDefinitionRepository = productDefinitionRepository;
	this.productInstanceRepository = productInstanceRepository;
	this.termRepository = termRepository;
	this.accruedInterestRepository = accruedInterestRepository;
	this.accountingService = accountingService;
	this.dividendDistributionRepository = dividendDistributionRepository;
	}

	@Transactional
	@CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish = CommandLogLevel.DEBUG)
	@EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.INTEREST_ACCRUED)
	public String process(final AccrualCommand accrualCommand) {
	final LocalDate accrualDate = accrualCommand.dueDate();

	final List<ProductDefinitionEntity> productDefinitions = this.productDefinitionRepository.findAll();

	productDefinitions.forEach(productDefinitionEntity -> {
	if (this.accruableProduct(productDefinitionEntity)) {

	final ArrayList<Double> accruedValues = new ArrayList<>();

	final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);

	final List<ProductInstanceEntity> productInstances =
	this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);

	productInstances.forEach(productInstanceEntity -> {
	if (productInstanceEntity.getState().equals(ACTIVE)) {

	final Account account = this.accountingService.findAccount(productInstanceEntity.getAccountIdentifier());

	if (account.getBalance() > 0.00D) {
	final BigDecimal balance = BigDecimal.valueOf(account.getBalance());

	final BigDecimal rate = BigDecimal.valueOf(productDefinitionEntity.getInterest())
	.divide(BigDecimal.valueOf(100), INTEREST_PRECISION, BigDecimal.ROUND_HALF_EVEN);

	final BigDecimal accruedInterest =
	accruedInterest(balance, rate,
	this.periodOfInterestPayable(term.getInterestPayable()), accrualDate.lengthOfYear());

	if (accruedInterest.compareTo(BigDecimal.ZERO) > 0) {
	final Double doubleValue =
	accruedInterest.setScale(5, BigDecimal.ROUND_HALF_EVEN).doubleValue();

	accruedValues.add(doubleValue);

	final Optional<AccruedInterestEntity> optionalAccruedInterest =
	this.accruedInterestRepository.findByCustomerAccountIdentifier(account.getIdentifier());
	if (optionalAccruedInterest.isPresent()) {
	final AccruedInterestEntity accruedInterestEntity = optionalAccruedInterest.get();
	accruedInterestEntity.setAmount(accruedInterestEntity.getAmount() + doubleValue);
	this.accruedInterestRepository.save(accruedInterestEntity);
	} else {
	final AccruedInterestEntity accruedInterestEntity = new AccruedInterestEntity();
	accruedInterestEntity.setAccrueAccountIdentifier(productDefinitionEntity.getAccrueAccountIdentifier());
	accruedInterestEntity.setCustomerAccountIdentifier(account.getIdentifier());
	accruedInterestEntity.setAmount(doubleValue);
	this.accruedInterestRepository.save(accruedInterestEntity);
	}
	}
	}
	}
	});

	final String roundedAmount =
	BigDecimal.valueOf(accruedValues.parallelStream().reduce(0.00D, Double::sum))
	.setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

	final JournalEntry cashToAccrueJournalEntry = new JournalEntry();
	cashToAccrueJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
	cashToAccrueJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
	cashToAccrueJournalEntry.setTransactionType("INTR");
	cashToAccrueJournalEntry.setClerk(UserContextHolder.checkedGetUser());
	cashToAccrueJournalEntry.setNote("Daily accrual for product " + productDefinitionEntity.getIdentifier() + ".");

	final Debtor cashDebtor = new Debtor();
	cashDebtor.setAccountNumber(productDefinitionEntity.getCashAccountIdentifier());
	cashDebtor.setAmount(roundedAmount);
	cashToAccrueJournalEntry.setDebtors(Sets.newHashSet(cashDebtor));

	final Creditor accrueCreditor = new Creditor();
	accrueCreditor.setAccountNumber(productDefinitionEntity.getAccrueAccountIdentifier());
	accrueCreditor.setAmount(roundedAmount);
	cashToAccrueJournalEntry.setCreditors(Sets.newHashSet(accrueCreditor));

	this.accountingService.post(cashToAccrueJournalEntry);
	}
	});

	return DateConverter.toIsoString(accrualDate);
	}

	@Transactional
	@CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish = CommandLogLevel.DEBUG)
	@EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.INTEREST_PAYED)
	public String process(final PayInterestCommand payInterestCommand) {
	final List<ProductDefinitionEntity> productDefinitionEntities = this.productDefinitionRepository.findAll();

	productDefinitionEntities.forEach(productDefinitionEntity -> {
	if (productDefinitionEntity.getActive()
	&& !productDefinitionEntity.getType().equals(Type.SHARE.name())) {
	final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);
	if (this.shouldPayInterest(term.getInterestPayable(), payInterestCommand.date())) {
	final List<ProductInstanceEntity> productInstanceEntities =
	this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);

	productInstanceEntities.forEach(productInstanceEntity -> {
	final Optional<AccruedInterestEntity> optionalAccruedInterestEntity =
	this.accruedInterestRepository.findByCustomerAccountIdentifier(productInstanceEntity.getAccountIdentifier());

	if (optionalAccruedInterestEntity.isPresent()) {
	final AccruedInterestEntity accruedInterestEntity = optionalAccruedInterestEntity.get();

	final String roundedAmount =
	BigDecimal.valueOf(accruedInterestEntity.getAmount())
	.setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

	final JournalEntry accrueToExpenseJournalEntry = new JournalEntry();
	accrueToExpenseJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
	accrueToExpenseJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
	accrueToExpenseJournalEntry.setTransactionType("INTR");
	accrueToExpenseJournalEntry.setClerk(UserContextHolder.checkedGetUser());
	accrueToExpenseJournalEntry.setNote("Interest paid.");

	final Debtor accrueDebtor = new Debtor();
	accrueDebtor.setAccountNumber(accruedInterestEntity.getAccrueAccountIdentifier());
	accrueDebtor.setAmount(roundedAmount);
	accrueToExpenseJournalEntry.setDebtors(Sets.newHashSet(accrueDebtor));

	final Creditor expenseCreditor = new Creditor();
	expenseCreditor.setAccountNumber(productDefinitionEntity.getExpenseAccountIdentifier());
	expenseCreditor.setAmount(roundedAmount);
	accrueToExpenseJournalEntry.setCreditors(Sets.newHashSet(expenseCreditor));

	this.accruedInterestRepository.delete(accruedInterestEntity);

	this.accountingService.post(accrueToExpenseJournalEntry);

	this.payoutInterest(
	productDefinitionEntity.getExpenseAccountIdentifier(),
	accruedInterestEntity.getCustomerAccountIdentifier(),
	roundedAmount
	);
	}
	});
	}
	}
	});

	return EventConstants.INTEREST_PAYED;
	}

	@Transactional
	@CommandHandler(logStart = CommandLogLevel.DEBUG, logFinish = CommandLogLevel.DEBUG)
	@EventEmitter(selectorName = EventConstants.SELECTOR_NAME, selectorValue = EventConstants.DIVIDEND_DISTRIBUTION)
	public String process(final DividendDistributionCommand dividendDistributionCommand) {
	final Optional<ProductDefinitionEntity> optionalProductDefinition =
	this.productDefinitionRepository.findByIdentifier(dividendDistributionCommand.productDefinition());
	if (optionalProductDefinition.isPresent()) {
	final ProductDefinitionEntity productDefinitionEntity = optionalProductDefinition.get();
	if (productDefinitionEntity.getActive()) {
	final BigDecimal rate = BigDecimal.valueOf(dividendDistributionCommand.rate());
	final TermEntity term = this.termRepository.findByProductDefinition(productDefinitionEntity);
	final List<String> dateRanges = this.dateRanges(dividendDistributionCommand.dueDate(), term.getInterestPayable());

	final List<ProductInstanceEntity> productInstanceEntities =
	this.productInstanceRepository.findByProductDefinition(productDefinitionEntity);
	productInstanceEntities.forEach((ProductInstanceEntity productInstanceEntity) -> {
	if (productInstanceEntity.getState().equals(ACTIVE)) {

	final Account account =
	this.accountingService.findAccount(productInstanceEntity.getAccountIdentifier());

	final LocalDate startDate = dividendDistributionCommand.dueDate().plusDays(1);
	final LocalDate now = LocalDate.now(Clock.systemUTC());

	final String findCurrentEntries = DateConverter.toIsoString(startDate) + ".." + DateConverter.toIsoString(now);
	final List<AccountEntry> currentAccountEntries =
	this.accountingService.fetchEntries(account.getIdentifier(), findCurrentEntries, Sort.Direction.ASC.name());

	final BalanceHolder balanceHolder;
	if (currentAccountEntries.isEmpty()) {
	balanceHolder = new BalanceHolder(BigDecimal.valueOf(account.getBalance()));
	} else {
	final AccountEntry accountEntry = currentAccountEntries.get(0);
	balanceHolder = new BalanceHolder(BigDecimal.valueOf(accountEntry.getBalance()).subtract(BigDecimal.valueOf(accountEntry.getAmount())));
	}

	final DividendHolder dividendHolder = new DividendHolder();
	dateRanges.forEach(dateRange -> {
	final List<AccountEntry> accountEntries =
	this.accountingService.fetchEntries(account.getIdentifier(), dateRange, Sort.Direction.DESC.name());
	if (!accountEntries.isEmpty()) {
	balanceHolder.setBalance(BigDecimal.valueOf(accountEntries.get(0).getBalance()));
	}

	final BigDecimal currentBalance = balanceHolder.getBalance();
	dividendHolder.addAmount(
	accruedInterest(currentBalance, rate, 12, dividendDistributionCommand.dueDate().lengthOfYear())
	);
	});

	if (dividendHolder.getAmount().compareTo(BigDecimal.ZERO) > 0) {

	final String roundedAmount =
	dividendHolder.getAmount()
	.setScale(2, BigDecimal.ROUND_HALF_EVEN).toString();

	final JournalEntry cashToExpenseJournalEntry = new JournalEntry();
	cashToExpenseJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
	cashToExpenseJournalEntry.setTransactionDate(DateConverter.toIsoString(now));
	cashToExpenseJournalEntry.setTransactionType("INTR");
	cashToExpenseJournalEntry.setClerk(UserContextHolder.checkedGetUser());
	cashToExpenseJournalEntry.setNote("Dividend distribution.");

	final Debtor cashDebtor = new Debtor();
	cashDebtor.setAccountNumber(productDefinitionEntity.getCashAccountIdentifier());
	cashDebtor.setAmount(roundedAmount);
	cashToExpenseJournalEntry.setDebtors(Sets.newHashSet(cashDebtor));

	final Creditor expenseCreditor = new Creditor();
	expenseCreditor.setAccountNumber(productDefinitionEntity.getExpenseAccountIdentifier());
	expenseCreditor.setAmount(roundedAmount);
	cashToExpenseJournalEntry.setCreditors(Sets.newHashSet(expenseCreditor));

	this.accountingService.post(cashToExpenseJournalEntry);

	this.payoutInterest(
	productDefinitionEntity.getExpenseAccountIdentifier(),
	account.getIdentifier(),
	roundedAmount
	);
	}
	}
	});
	}
	final DividendDistributionEntity dividendDistributionEntity = new DividendDistributionEntity();

	dividendDistributionEntity.setProductDefinition(productDefinitionEntity);
	dividendDistributionEntity.setDueDate(Date.valueOf(dividendDistributionCommand.dueDate()));
	dividendDistributionEntity.setRate(dividendDistributionCommand.rate());
	dividendDistributionEntity.setCreatedOn(LocalDateTime.now(Clock.systemUTC()));
	dividendDistributionEntity.setCreatedBy(UserContextHolder.checkedGetUser());

	this.dividendDistributionRepository.save(dividendDistributionEntity);
	}

	return dividendDistributionCommand.productDefinition();
	}

	private int periodOfInterestPayable(final String interestPayable) {
	switch (InterestPayable.valueOf(interestPayable)) {
	case MONTHLY:
	return 12;
	case QUARTERLY:
	return 4;
	default:
	return 1;
	}
	}

	private boolean shouldPayInterest(final String interestPayable, final LocalDate date) {
	switch (InterestPayable.valueOf(interestPayable)) {
	case MONTHLY:
	return date.equals(date.withDayOfMonth(date.lengthOfMonth()));
	case QUARTERLY:
	return date.equals(YearQuarter.from(date).atEndOfQuarter());
	case ANNUALLY:
	return date.getDayOfYear() == date.lengthOfYear();
	default:
	return false;
	}
	}

	private List<String> dateRanges(final LocalDate dueDate, final String interestPayable) {
	final int pastDays;
	switch (InterestPayable.valueOf(interestPayable)) {
	case MONTHLY:
	pastDays = dueDate.lengthOfMonth();
	break;
	case QUARTERLY:
	pastDays = YearQuarter.from(dueDate).lengthOfQuarter();
	break;
	default:
	pastDays = dueDate.lengthOfYear();
	}

	return IntStream
	.range(1, pastDays)
	.mapToObj(value -> {
	final LocalDate before = dueDate.minusDays(value);
	return DateConverter.toIsoString(before) + ".." + DateConverter.toIsoString(dueDate.minusDays(value - 1));
	}).collect(Collectors.toList());
	}

	private class BalanceHolder {
	private BigDecimal balance;

	private BalanceHolder(final BigDecimal balance) {
	super();
	this.balance = balance;
	}

	private BigDecimal getBalance() {
	return this.balance;
	}

	private void setBalance(final BigDecimal balance) {
	this.balance = balance;
	}
	}

	private class DividendHolder {
	private BigDecimal amount;

	private DividendHolder() {
	super();
	this.amount = BigDecimal.ZERO;
	}

	private void addAmount(final BigDecimal toAdd) {
	this.amount = this.amount.add(toAdd);
	}

	private BigDecimal getAmount() {
	return this.amount;
	}
	}

	private boolean accruableProduct(final ProductDefinitionEntity productDefinitionEntity) {
	return productDefinitionEntity.getActive()
	&& !productDefinitionEntity.getType().equals(Type.SHARE.name())
	&& productDefinitionEntity.getInterest() != null
	&& productDefinitionEntity.getInterest() > 0.00D;
	}

	private void payoutInterest(final String expenseAccount, final String customerAccount, final String amount) {
	final JournalEntry expenseToCustomerJournalEntry = new JournalEntry();
	expenseToCustomerJournalEntry.setTransactionIdentifier(RandomStringUtils.randomAlphanumeric(32));
	expenseToCustomerJournalEntry.setTransactionDate(DateConverter.toIsoString(LocalDateTime.now(Clock.systemUTC())));
	expenseToCustomerJournalEntry.setTransactionType("INTR");
	expenseToCustomerJournalEntry.setClerk(UserContextHolder.checkedGetUser());
	expenseToCustomerJournalEntry.setNote("Interest paid.");

	final Debtor expenseDebtor = new Debtor();
	expenseDebtor.setAccountNumber(expenseAccount);
	expenseDebtor.setAmount(amount);
	expenseToCustomerJournalEntry.setDebtors(Sets.newHashSet(expenseDebtor));

	final Creditor customerCreditor = new Creditor();
	customerCreditor.setAccountNumber(customerAccount);
	customerCreditor.setAmount(amount);
	expenseToCustomerJournalEntry.setCreditors(Sets.newHashSet(customerCreditor));

	this.accountingService.post(expenseToCustomerJournalEntry);

	}

	/**
	* Copied from JavaMoney AnnualPercentageYield.calculate, and adjusted.
	* @return the resulting amount, never null.
	*/
	private static BigDecimal accruedInterest(
	final BigDecimal amount,
	final BigDecimal rate,
	final int periods,
	final int lengthOfYear) {
	final BigDecimal baseFactor = rate.divide(BigDecimal.valueOf(periods),MathContext.DECIMAL64)
	.add(BigDecimal.ONE);
	final BigDecimal annualInterest = amount.multiply(baseFactor.pow(periods).subtract(BigDecimal.ONE));

	return annualInterest
	.divide(BigDecimal.valueOf(lengthOfYear),
	amount.scale() + INTEREST_PRECISION, BigDecimal.ROUND_HALF_EVEN);
	}
	}