| /* |
| * Copyright 2017 The Mifos Initiative. |
| * |
| * Licensed 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 io.mifos.portfolio; |
| |
| import com.google.gson.Gson; |
| import io.mifos.accounting.api.v1.domain.AccountType; |
| import io.mifos.accounting.api.v1.domain.Creditor; |
| import io.mifos.accounting.api.v1.domain.Debtor; |
| import io.mifos.core.api.util.ApiFactory; |
| import io.mifos.core.lang.DateConverter; |
| import io.mifos.individuallending.api.v1.domain.caseinstance.CaseParameters; |
| import io.mifos.individuallending.api.v1.domain.caseinstance.PlannedPayment; |
| import io.mifos.individuallending.api.v1.domain.product.*; |
| import io.mifos.individuallending.api.v1.domain.workflow.Action; |
| import io.mifos.individuallending.api.v1.events.IndividualLoanCommandEvent; |
| import io.mifos.individuallending.api.v1.events.IndividualLoanEventConstants; |
| import io.mifos.portfolio.api.v1.domain.*; |
| import io.mifos.portfolio.api.v1.events.BalanceSegmentSetEvent; |
| import io.mifos.portfolio.api.v1.events.ChargeDefinitionEvent; |
| import io.mifos.portfolio.api.v1.events.EventConstants; |
| import io.mifos.rhythm.spi.v1.client.BeatListener; |
| import io.mifos.rhythm.spi.v1.domain.BeatPublish; |
| import io.mifos.rhythm.spi.v1.events.BeatPublishEvent; |
| import org.assertj.core.util.Sets; |
| import org.junit.Assert; |
| import org.junit.Before; |
| import org.junit.Test; |
| |
| import javax.annotation.Nullable; |
| import java.math.BigDecimal; |
| import java.math.RoundingMode; |
| import java.time.LocalDateTime; |
| import java.time.temporal.ChronoUnit; |
| import java.util.*; |
| import java.util.stream.Collectors; |
| import java.util.stream.IntStream; |
| import java.util.stream.Stream; |
| |
| import static io.mifos.portfolio.Fixture.MINOR_CURRENCY_UNIT_DIGITS; |
| |
| /** |
| * @author Myrle Krantz |
| */ |
| public class TestAccountingInteractionInLoanWorkflow extends AbstractPortfolioTest { |
| private static final BigDecimal PROCESSING_FEE_AMOUNT = BigDecimal.valueOf(50_00, MINOR_CURRENCY_UNIT_DIGITS); |
| private static final BigDecimal LOAN_ORIGINATION_FEE_AMOUNT = BigDecimal.valueOf(50_00, MINOR_CURRENCY_UNIT_DIGITS); |
| private static final BigDecimal DISBURSEMENT_FEE_LOWER_RANGE_AMOUNT = BigDecimal.valueOf(10_00, MINOR_CURRENCY_UNIT_DIGITS); |
| private static final BigDecimal DISBURSEMENT_FEE_UPPER_RANGE_AMOUNT = BigDecimal.valueOf(1_00, MINOR_CURRENCY_UNIT_DIGITS); |
| private static final BigDecimal IMPORTED_NEXT_REPAYMENT_AMOUNT = BigDecimal.valueOf(300_00, MINOR_CURRENCY_UNIT_DIGITS); |
| private static final String DISBURSEMENT_RANGES = "disbursement_ranges"; |
| private static final String DISBURSEMENT_LOWER_RANGE = "smaller"; |
| private static final String DISBURSEMENT_UPPER_RANGE = "larger"; |
| private static final String UPPER_RANGE_DISBURSEMENT_FEE_ID = ChargeIdentifiers.DISBURSEMENT_FEE_ID + "2"; |
| |
| private BeatListener portfolioBeatListener; |
| |
| private Product product = null; |
| private Case customerCase = null; |
| private TaskDefinition taskDefinition = null; |
| private String customerLoanPrincipalIdentifier = null; |
| private String customerLoanInterestIdentifier = null; |
| private String customerLoanFeeIdentifier = null; |
| |
| private BigDecimal expectedCurrentPrincipal = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| private BigDecimal interestAccrued = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| private BigDecimal nonLateFees = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| private BigDecimal lateFees = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| private BigDecimal productLossAllowance = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| |
| |
| @Before |
| public void prepBeatListener() { |
| portfolioBeatListener = new ApiFactory(logger).create(BeatListener.class, testEnvironment.serverURI()); |
| } |
| |
| @Test |
| public void workflowTerminatingInApplicationDenial() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4DenyCase(today); |
| } |
| |
| @Test |
| public void workflowImportingLoanFromExternalSystem() throws InterruptedException { |
| final LocalDateTime initialDisbursalDate = LocalDateTime.of(2017,11,8,0,0); |
| final LocalDateTime today = LocalDateTime.of(2017,11,22,0,0); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3IImportCaseWhenAccountsDontExistYet(initialDisbursalDate); |
| |
| final List<PlannedPayment> plannedPayments = individualLending.getPaymentScheduleForCaseStream( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| null) |
| .collect(Collectors.toList()); |
| |
| int week = 3; |
| while (expectedCurrentPrincipal.compareTo(BigDecimal.ZERO) > 0) { |
| logger.info("Simulating week {}. Expected current principal {}.", week, expectedCurrentPrincipal); |
| step6CalculateInterestAndCheckForLatenessForWeek(today, week); |
| final BigDecimal interestAccruedBeforePayment = interestAccrued; |
| final BigDecimal nextRepaymentAmount = findNextRepaymentAmount(today.plusDays((week+1)*7)); |
| final BigDecimal totalDue = expectedCurrentPrincipal.add(interestAccrued).add(nonLateFees); |
| if (totalDue.compareTo(IMPORTED_NEXT_REPAYMENT_AMOUNT) >= 0) |
| Assert.assertEquals(IMPORTED_NEXT_REPAYMENT_AMOUNT, nextRepaymentAmount); |
| else |
| Assert.assertEquals(totalDue, nextRepaymentAmount); |
| final Payment payment = step7PaybackPartialAmount(nextRepaymentAmount, today.plusDays((week + 1) * 7), BigDecimal.ZERO); |
| final BigDecimal interestAccrual = payment.getBalanceAdjustments().remove(AccountDesignators.INTEREST_ACCRUAL); //Don't compare these with planned payment. |
| final BigDecimal customerLoanInterest = payment.getBalanceAdjustments().remove(AccountDesignators.CUSTOMER_LOAN_INTEREST); |
| Assert.assertEquals("week " + week, interestAccrual.negate(), customerLoanInterest); |
| Assert.assertEquals("week " + week, interestAccruedBeforePayment, customerLoanInterest); |
| //TODO: Assert.assertEquals("week " + week, plannedPayments.get(week+1).getPayment(), payment); |
| week++; |
| } |
| |
| step8Close(DateConverter.fromIsoString(plannedPayments.get(plannedPayments.size()-1).getPayment().getDate())); |
| } |
| |
| |
| @Test |
| public void workflowImportingLoanFromExternalSystemConnectingToExistingAccounts() throws InterruptedException { |
| final LocalDateTime initialDisbursalDate = LocalDateTime.of(2017,11,8,0,0); |
| final LocalDateTime today = LocalDateTime.of(2017,11,22,0,0); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3IImportCaseWhenAccountsExist(initialDisbursalDate); |
| |
| step7PaybackPartialAmount( |
| expectedCurrentPrincipal.add(nonLateFees).add(interestAccrued), |
| today, |
| BigDecimal.ZERO); |
| step8Close(today); |
| } |
| |
| @Test |
| public void cantChangeDeniedCase() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4DenyCase(today); |
| |
| try { |
| customerCase.setInterest(BigDecimal.ONE); |
| portfolioManager.changeCase(product.getIdentifier(), customerCase.getIdentifier(), customerCase); |
| Assert.fail("Changing a denied case should fail."); |
| } |
| catch (IllegalArgumentException ignored) { |
| |
| } |
| } |
| |
| @Test |
| public void cantChangeApprovedCase() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| |
| try { |
| customerCase.setInterest(BigDecimal.ONE); |
| portfolioManager.changeCase(product.getIdentifier(), customerCase.getIdentifier(), customerCase); |
| Assert.fail("Changing a denied case should fail."); |
| } |
| catch (IllegalArgumentException ignored) { |
| |
| } |
| } |
| |
| @Test(expected = IllegalArgumentException.class) |
| public void cantRequestCostComponentsForInvalidAction() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| portfolioManager.getCostComponentsForAction( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.DISBURSE.name(), |
| Collections.emptySet(), |
| BigDecimal.TEN, |
| DateConverter.toIsoString(today) |
| ); |
| } |
| |
| @Test |
| public void workflowTerminatingInEarlyLoanPayoff() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| step5Disburse( |
| BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(20_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| step6CalculateInterestAccrualAndCheckForLateness(midnightToday(), BigDecimal.ZERO); |
| step7PaybackPartialAmount( |
| expectedCurrentPrincipal.add(nonLateFees).add(interestAccrued), |
| today, |
| BigDecimal.ZERO); |
| step8Close(today); |
| } |
| |
| @Test |
| public void workflowWithTwoUnequalDisbursals() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| step5Disburse( |
| BigDecimal.valueOf(500_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| ChargeIdentifiers.DISBURSEMENT_FEE_ID, BigDecimal.valueOf(10_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| step5Disburse( |
| BigDecimal.valueOf(1_500_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(15_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| step6CalculateInterestAccrualAndCheckForLateness(midnightToday(), BigDecimal.ZERO); |
| step7PaybackPartialAmount( |
| expectedCurrentPrincipal.add(nonLateFees).add(interestAccrued), |
| today, |
| BigDecimal.ZERO); |
| step8Close(today); |
| } |
| |
| @Test |
| public void workflowWithTwoNearlyEqualRepayments() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| step5Disburse( |
| BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(20_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| step6CalculateInterestAccrualAndCheckForLateness(midnightToday(), BigDecimal.ZERO); |
| final BigDecimal repayment1 = expectedCurrentPrincipal.divide(BigDecimal.valueOf(2), BigDecimal.ROUND_HALF_EVEN); |
| step7PaybackPartialAmount( |
| repayment1.setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN), |
| today, |
| BigDecimal.ZERO); |
| step7PaybackPartialAmount(expectedCurrentPrincipal, today, BigDecimal.ZERO); |
| step8Close(today); |
| } |
| |
| @Test |
| public void workflowWithNegativePaymentSize() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| try { |
| step5Disburse(BigDecimal.valueOf(-2).setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN)); |
| Assert.fail("Expected an IllegalArgumentException."); |
| } |
| catch (IllegalArgumentException ignored) { } |
| } |
| |
| @Test |
| public void workflowWithNormalRepayment() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| |
| final List<PlannedPayment> plannedPayments = individualLending.getPaymentScheduleForCaseStream( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| null) |
| .collect(Collectors.toList()); |
| |
| step5Disburse( |
| BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(20_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| |
| int week = 0; |
| while (expectedCurrentPrincipal.compareTo(BigDecimal.ZERO) > 0) { |
| logger.info("Simulating week {}. Expected current principal {}.", week, expectedCurrentPrincipal); |
| step6CalculateInterestAndCheckForLatenessForWeek(today, week); |
| final BigDecimal interestAccruedBeforePayment = interestAccrued; |
| final BigDecimal nextRepaymentAmount = findNextRepaymentAmount(today.plusDays((week+1)*7)); |
| final Payment payment = step7PaybackPartialAmount(nextRepaymentAmount, today.plusDays((week + 1) * 7), BigDecimal.ZERO); |
| final BigDecimal interestAccrual = payment.getBalanceAdjustments().remove(AccountDesignators.INTEREST_ACCRUAL); //Don't compare these with planned payment. |
| final BigDecimal customerLoanInterest = payment.getBalanceAdjustments().remove(AccountDesignators.CUSTOMER_LOAN_INTEREST); |
| Assert.assertEquals("week " + week, interestAccrual.negate(), customerLoanInterest); |
| Assert.assertEquals("week " + week, interestAccruedBeforePayment, customerLoanInterest); |
| Assert.assertEquals("week " + week, plannedPayments.get(week+1).getPayment(), payment); |
| week++; |
| } |
| |
| Assert.assertEquals(week+1, plannedPayments.size()); |
| |
| step8Close(DateConverter.fromIsoString(plannedPayments.get(plannedPayments.size()-1).getPayment().getDate())); |
| } |
| |
| @Test |
| public void workflowWithOneLateRepayment() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| |
| final List<PlannedPayment> plannedPayments = individualLending.getPaymentScheduleForCaseStream( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| null) |
| .collect(Collectors.toList()); |
| |
| step5Disburse( |
| BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(20_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| |
| int week = 0; |
| final int weekOfLateRepayment = 3; |
| while (expectedCurrentPrincipal.compareTo(BigDecimal.ZERO) > 0) { |
| logger.info("Simulating week {}. Expected current balance {}.", week, expectedCurrentPrincipal); |
| if (week == weekOfLateRepayment) { |
| final BigDecimal lateFee = BigDecimal.valueOf(15_36, MINOR_CURRENCY_UNIT_DIGITS); //??? TODO: check the late fee value. |
| step6CalculateInterestAndCheckForLatenessForRangeOfDays( |
| today, |
| (week * 7) + 1, |
| (week + 1) * 7 + 2, |
| 7, |
| lateFee); |
| final BigDecimal nextRepaymentAmount = findNextRepaymentAmount(today.plusDays((week + 1) * 7 + 2)); |
| step7PaybackPartialAmount(nextRepaymentAmount, today.plusDays((week + 1) * 7 + 2), lateFee); |
| } |
| else { |
| step6CalculateInterestAndCheckForLatenessForWeek(today, week); |
| final BigDecimal nextRepaymentAmount = findNextRepaymentAmount(today.plusDays((week + 1) * 7)); |
| final Payment payment = step7PaybackPartialAmount(nextRepaymentAmount, today.plusDays((week + 1) * 7), BigDecimal.ZERO); |
| final BigDecimal interestAccrual = payment.getBalanceAdjustments().remove(AccountDesignators.INTEREST_ACCRUAL); //Don't compare these with planned payment. |
| final BigDecimal customerLoanInterest = payment.getBalanceAdjustments().remove(AccountDesignators.CUSTOMER_LOAN_INTEREST); |
| Assert.assertEquals(interestAccrual.negate(), customerLoanInterest); |
| //Assert.assertEquals(plannedPayments.get(week+1).getPayment(), payment); |
| } |
| week++; |
| } |
| |
| step8Close(DateConverter.fromIsoString(plannedPayments.get(plannedPayments.size()-1).getPayment().getDate())); |
| } |
| |
| @Test |
| public void workflowTerminatingInWriteOff() throws InterruptedException { |
| final LocalDateTime today = midnightToday(); |
| |
| step1CreateProduct(); |
| step2CreateCase(); |
| step3OpenCase(today); |
| step4ApproveCase(today); |
| |
| step5Disburse( |
| BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS), |
| today, |
| UPPER_RANGE_DISBURSEMENT_FEE_ID, BigDecimal.valueOf(20_00, MINOR_CURRENCY_UNIT_DIGITS)); |
| |
| final BigDecimal lateFee = BigDecimal.valueOf(15_36, MINOR_CURRENCY_UNIT_DIGITS); //??? TODO: check the late fee value. |
| step6CalculateInterestAndCheckForLatenessForRangeOfDays( |
| today, |
| 1, |
| 8, |
| 7, |
| lateFee); |
| step6ICalculateInterestAndLossAllowancesForLateLoanForRangeOfDays( |
| today, |
| new LossProvisionStep(0, BigDecimal.valueOf(1)), |
| new LossProvisionStep(1, BigDecimal.valueOf(9)), |
| new LossProvisionStep(30, BigDecimal.valueOf(30)), |
| new LossProvisionStep(60, BigDecimal.valueOf(60)) |
| ); |
| |
| step8IWriteOff(today.plusDays(68)); |
| } |
| |
| private BigDecimal findNextRepaymentAmount( |
| final LocalDateTime forDateTime) { |
| AccountingFixture.mockBalance(AccountingFixture.CUSTOMERS_DEPOSIT_ACCOUNT, BigDecimal.valueOf(2000_00L, 2)); |
| final Payment nextPayment = portfolioManager.getCostComponentsForAction( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.ACCEPT_PAYMENT.name(), |
| null, |
| null, |
| DateConverter.toIsoString(forDateTime)); |
| final BigDecimal nextRepaymentAmount = nextPayment.getBalanceAdjustments() |
| .getOrDefault(AccountDesignators.ENTRY, BigDecimal.ZERO).negate(); |
| Assert.assertTrue(nextRepaymentAmount.signum() != -1); |
| return nextRepaymentAmount; |
| } |
| |
| //Create product and set charges to fixed fees. |
| private void step1CreateProduct() throws InterruptedException { |
| logger.info("step1CreateProduct"); |
| product = createProduct(); |
| |
| final BalanceSegmentSet balanceSegmentSet = new BalanceSegmentSet(); |
| balanceSegmentSet.setIdentifier(DISBURSEMENT_RANGES); |
| balanceSegmentSet.setSegmentIdentifiers(Arrays.asList(DISBURSEMENT_LOWER_RANGE, DISBURSEMENT_UPPER_RANGE)); |
| balanceSegmentSet.setSegments(Arrays.asList(BigDecimal.ZERO, BigDecimal.valueOf(1_000_0000, 4))); |
| portfolioManager.createBalanceSegmentSet(product.getIdentifier(), balanceSegmentSet); |
| Assert.assertTrue(this.eventRecorder.wait(EventConstants.POST_BALANCE_SEGMENT_SET, new BalanceSegmentSetEvent(product.getIdentifier(), balanceSegmentSet.getIdentifier()))); |
| |
| setFeeToFixedValue(product.getIdentifier(), ChargeIdentifiers.PROCESSING_FEE_ID, PROCESSING_FEE_AMOUNT); |
| setFeeToFixedValue(product.getIdentifier(), ChargeIdentifiers.LOAN_ORIGINATION_FEE_ID, LOAN_ORIGINATION_FEE_AMOUNT); |
| |
| final ChargeDefinition lowerRangeDisbursementFeeChargeDefinition |
| = portfolioManager.getChargeDefinition(product.getIdentifier(), ChargeIdentifiers.DISBURSEMENT_FEE_ID); |
| lowerRangeDisbursementFeeChargeDefinition.setChargeMethod(ChargeDefinition.ChargeMethod.FIXED); |
| lowerRangeDisbursementFeeChargeDefinition.setAmount(DISBURSEMENT_FEE_LOWER_RANGE_AMOUNT); |
| lowerRangeDisbursementFeeChargeDefinition.setProportionalTo(ChargeProportionalDesignator.REQUESTED_DISBURSEMENT_DESIGNATOR.getValue()); |
| lowerRangeDisbursementFeeChargeDefinition.setForSegmentSet(DISBURSEMENT_RANGES); |
| lowerRangeDisbursementFeeChargeDefinition.setFromSegment(DISBURSEMENT_LOWER_RANGE); |
| lowerRangeDisbursementFeeChargeDefinition.setToSegment(DISBURSEMENT_LOWER_RANGE); |
| |
| portfolioManager.changeChargeDefinition(product.getIdentifier(), ChargeIdentifiers.DISBURSEMENT_FEE_ID, lowerRangeDisbursementFeeChargeDefinition); |
| Assert.assertTrue(this.eventRecorder.wait(EventConstants.PUT_CHARGE_DEFINITION, |
| new ChargeDefinitionEvent(product.getIdentifier(), ChargeIdentifiers.DISBURSEMENT_FEE_ID))); |
| |
| final ChargeDefinition upperRangeDisbursementFeeChargeDefinition = new ChargeDefinition(); |
| upperRangeDisbursementFeeChargeDefinition.setIdentifier(UPPER_RANGE_DISBURSEMENT_FEE_ID); |
| upperRangeDisbursementFeeChargeDefinition.setName(UPPER_RANGE_DISBURSEMENT_FEE_ID); |
| upperRangeDisbursementFeeChargeDefinition.setDescription(lowerRangeDisbursementFeeChargeDefinition.getDescription()); |
| upperRangeDisbursementFeeChargeDefinition.setFromAccountDesignator(lowerRangeDisbursementFeeChargeDefinition.getFromAccountDesignator()); |
| upperRangeDisbursementFeeChargeDefinition.setToAccountDesignator(lowerRangeDisbursementFeeChargeDefinition.getToAccountDesignator()); |
| upperRangeDisbursementFeeChargeDefinition.setAccrualAccountDesignator(lowerRangeDisbursementFeeChargeDefinition.getAccrualAccountDesignator()); |
| upperRangeDisbursementFeeChargeDefinition.setAccrueAction(lowerRangeDisbursementFeeChargeDefinition.getAccrueAction()); |
| upperRangeDisbursementFeeChargeDefinition.setChargeAction(lowerRangeDisbursementFeeChargeDefinition.getChargeAction()); |
| upperRangeDisbursementFeeChargeDefinition.setChargeMethod(ChargeDefinition.ChargeMethod.PROPORTIONAL); |
| upperRangeDisbursementFeeChargeDefinition.setAmount(DISBURSEMENT_FEE_UPPER_RANGE_AMOUNT); |
| upperRangeDisbursementFeeChargeDefinition.setProportionalTo(ChargeProportionalDesignator.REQUESTED_DISBURSEMENT_DESIGNATOR.getValue()); |
| upperRangeDisbursementFeeChargeDefinition.setForSegmentSet(DISBURSEMENT_RANGES); |
| upperRangeDisbursementFeeChargeDefinition.setFromSegment(DISBURSEMENT_UPPER_RANGE); |
| upperRangeDisbursementFeeChargeDefinition.setToSegment(DISBURSEMENT_UPPER_RANGE); |
| |
| portfolioManager.createChargeDefinition(product.getIdentifier(), upperRangeDisbursementFeeChargeDefinition); |
| Assert.assertTrue(this.eventRecorder.wait(EventConstants.POST_CHARGE_DEFINITION, |
| new ChargeDefinitionEvent(product.getIdentifier(), UPPER_RANGE_DISBURSEMENT_FEE_ID))); |
| |
| taskDefinition = createTaskDefinition(product); |
| |
| portfolioManager.enableProduct(product.getIdentifier(), true); |
| Assert.assertTrue(this.eventRecorder.wait(EventConstants.PUT_PRODUCT_ENABLE, product.getIdentifier())); |
| |
| final List<LossProvisionStep> lossProvisionSteps = Arrays.asList( |
| new LossProvisionStep(0, BigDecimal.ONE), |
| new LossProvisionStep(1, BigDecimal.valueOf(9)), |
| new LossProvisionStep(30, BigDecimal.valueOf(30)), |
| new LossProvisionStep(60, BigDecimal.valueOf(60))); |
| final LossProvisionConfiguration lossProvisionConfiguration = new LossProvisionConfiguration(lossProvisionSteps); |
| individualLending.changeLossProvisionConfiguration(product.getIdentifier(), lossProvisionConfiguration); |
| Assert.assertTrue(this.eventRecorder.wait(IndividualLoanEventConstants.PUT_LOSS_PROVISION_STEPS, product.getIdentifier())); |
| } |
| |
| private void step2CreateCase() throws InterruptedException { |
| logger.info("step2CreateCase"); |
| final CaseParameters caseParameters = Fixture.createAdjustedCaseParameters(x -> |
| x.setPaymentCycle(new PaymentCycle(ChronoUnit.WEEKS, 1, null, null, null)) |
| ); |
| final String caseParametersAsString = new Gson().toJson(caseParameters); |
| customerCase = createAdjustedCase(product.getIdentifier(), x -> x.setParameters(caseParametersAsString)); |
| |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), Action.OPEN, Action.IMPORT); |
| } |
| |
| //Open the case and accept a processing fee. |
| private void step3OpenCase(final LocalDateTime forDateTime) throws InterruptedException { |
| logger.info("step3OpenCase"); |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.OPEN, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.OPEN, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| IndividualLoanEventConstants.OPEN_INDIVIDUALLOAN_CASE, |
| Case.State.PENDING); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), Action.APPROVE, Action.DENY); |
| } |
| |
| //Import an active case. |
| private void step3IImportCaseWhenAccountsDontExistYet(final LocalDateTime forDateTime) throws InterruptedException { |
| logger.info("step3IImportCaseWhenAccountsDontExistYet"); |
| |
| final BigDecimal currentPrincipal = BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS); |
| |
| final AccountAssignment customerLoanPrincipalAccountAssignment = new AccountAssignment(); |
| customerLoanPrincipalAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL); |
| customerLoanPrincipalAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-principal-account-identifier"); |
| customerLoanPrincipalAccountAssignment.setLedgerIdentifier(AccountDesignators.CUSTOMER_LOAN_GROUP); |
| final AccountAssignment customerLoanInterestAccountAssignment = new AccountAssignment(); |
| customerLoanInterestAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_INTEREST); |
| customerLoanInterestAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-interest-account-identifier"); |
| customerLoanInterestAccountAssignment.setLedgerIdentifier(AccountDesignators.CUSTOMER_LOAN_GROUP); |
| final AccountAssignment customerLoanFeeAccountAssignment = new AccountAssignment(); |
| customerLoanFeeAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_FEES); |
| customerLoanFeeAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-fees-account-identifier"); |
| customerLoanFeeAccountAssignment.setLedgerIdentifier(AccountDesignators.CUSTOMER_LOAN_GROUP); |
| final ArrayList<AccountAssignment> importAccountAssignments = new ArrayList<>(); |
| importAccountAssignments.add(customerLoanPrincipalAccountAssignment); |
| importAccountAssignments.add(customerLoanInterestAccountAssignment); |
| importAccountAssignments.add(customerLoanFeeAccountAssignment); |
| |
| final ImportParameters importParameters = new ImportParameters(); |
| importParameters.setCaseAccountAssignments(importAccountAssignments); |
| importParameters.setPaymentSize(IMPORTED_NEXT_REPAYMENT_AMOUNT); |
| importParameters.setCreatedOn(DateConverter.toIsoString(forDateTime)); |
| importParameters.setCurrentBalances(Collections.singletonMap(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL, currentPrincipal)); |
| importParameters.setStartOfTerm(DateConverter.toIsoString(forDateTime)); |
| portfolioManager.executeImportCommand(product.getIdentifier(), customerCase.getIdentifier(), importParameters); |
| |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.IMPORT_INDIVIDUALLOAN_CASE, new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), DateConverter.toIsoString(forDateTime)))); |
| |
| final String customerLoanLedgerIdentifier = AccountingFixture.verifyLedgerCreation( |
| ledgerManager, |
| AccountingFixture.CUSTOMER_LOAN_LEDGER_IDENTIFIER, |
| AccountType.ASSET); |
| |
| customerLoanPrincipalIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator( |
| ledgerManager, customerLoanLedgerIdentifier, |
| AccountDesignators.CUSTOMER_LOAN_PRINCIPAL, |
| customerLoanPrincipalAccountAssignment.getAlternativeAccountNumber(), |
| AccountType.ASSET, |
| currentPrincipal); |
| customerLoanInterestIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator( |
| ledgerManager, |
| customerLoanLedgerIdentifier, |
| AccountDesignators.CUSTOMER_LOAN_INTEREST, |
| customerLoanInterestAccountAssignment.getAlternativeAccountNumber(), |
| AccountType.ASSET, |
| BigDecimal.ZERO); |
| customerLoanFeeIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator( |
| ledgerManager, |
| customerLoanLedgerIdentifier, |
| AccountDesignators.CUSTOMER_LOAN_FEES, |
| customerLoanFeeAccountAssignment.getAlternativeAccountNumber(), |
| AccountType.ASSET, |
| BigDecimal.ZERO); |
| |
| final CaseStatus changedCaseStatus = portfolioManager.getCaseStatus(product.getIdentifier(), customerCase.getIdentifier()); |
| Assert.assertEquals(Case.State.ACTIVE.name(), changedCaseStatus.getCurrentState()); |
| Assert.assertEquals(DateConverter.toIsoString(forDateTime), changedCaseStatus.getStartOfTerm()); |
| Assert.assertEquals("2018-02-08T00:00:00Z", changedCaseStatus.getEndOfTerm()); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, Action.MARK_LATE, Action.ACCEPT_PAYMENT, Action.DISBURSE, Action.MARK_IN_ARREARS, Action.WRITE_OFF, Action.CLOSE); |
| |
| expectedCurrentPrincipal = currentPrincipal; |
| updateBalanceMock(); |
| |
| final Case changedCase = portfolioManager.getCase(product.getIdentifier(), customerCase.getIdentifier()); |
| final Map<String, String> designatorsAssignedForCase = changedCase.getAccountAssignments().stream() |
| .collect(Collectors.toMap(AccountAssignment::getDesignator, AccountAssignment::getAccountIdentifier)); |
| Assert.assertEquals( |
| customerLoanPrincipalIdentifier, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL)); |
| Assert.assertEquals( |
| customerLoanInterestIdentifier, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_INTEREST)); |
| Assert.assertEquals( |
| customerLoanFeeIdentifier, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_FEES)); |
| } |
| |
| //Import an active case. |
| private void step3IImportCaseWhenAccountsExist(final LocalDateTime forDateTime) throws InterruptedException { |
| logger.info("step3IImportCaseWhenAccountsExist"); |
| |
| final BigDecimal currentPrincipal = BigDecimal.valueOf(2_000_00, MINOR_CURRENCY_UNIT_DIGITS); |
| |
| final AccountAssignment customerLoanPrincipalAccountAssignment = new AccountAssignment(); |
| customerLoanPrincipalAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL); |
| customerLoanPrincipalAccountAssignment.setAccountIdentifier(AccountingFixture.IMPORTED_CUSTOMER_LOAN_PRINCIPAL_ACCOUNT); |
| customerLoanPrincipalAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-principal-account-identifier"); |
| final AccountAssignment customerLoanInterestAccountAssignment = new AccountAssignment(); |
| customerLoanInterestAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_INTEREST); |
| customerLoanInterestAccountAssignment.setAccountIdentifier(AccountingFixture.IMPORTED_CUSTOMER_LOAN_INTEREST_ACCOUNT); |
| customerLoanInterestAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-interest-account-identifier"); |
| final AccountAssignment customerLoanFeeAccountAssignment = new AccountAssignment(); |
| customerLoanFeeAccountAssignment.setDesignator(AccountDesignators.CUSTOMER_LOAN_FEES); |
| customerLoanFeeAccountAssignment.setAccountIdentifier(AccountingFixture.IMPORTED_CUSTOMER_LOAN_FEES_ACCOUNT); |
| customerLoanFeeAccountAssignment.setAlternativeAccountNumber("external-system-sourced-customer-loan-fees-account-identifier"); |
| final ArrayList<AccountAssignment> importAccountAssignments = new ArrayList<>(); |
| importAccountAssignments.add(customerLoanPrincipalAccountAssignment); |
| importAccountAssignments.add(customerLoanInterestAccountAssignment); |
| importAccountAssignments.add(customerLoanFeeAccountAssignment); |
| |
| final ImportParameters importParameters = new ImportParameters(); |
| importParameters.setCaseAccountAssignments(importAccountAssignments); |
| importParameters.setPaymentSize(IMPORTED_NEXT_REPAYMENT_AMOUNT); |
| importParameters.setCreatedOn(DateConverter.toIsoString(forDateTime)); |
| importParameters.setCurrentBalances(Collections.singletonMap(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL, currentPrincipal)); |
| importParameters.setStartOfTerm(DateConverter.toIsoString(forDateTime)); |
| portfolioManager.executeImportCommand(product.getIdentifier(), customerCase.getIdentifier(), importParameters); |
| |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.IMPORT_INDIVIDUALLOAN_CASE, new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), DateConverter.toIsoString(forDateTime)))); |
| |
| AccountingFixture.verifyLedgerCreation( |
| ledgerManager, |
| AccountingFixture.CUSTOMER_LOAN_LEDGER_IDENTIFIER, |
| AccountType.ASSET); |
| |
| customerLoanPrincipalIdentifier = AccountingFixture.IMPORTED_CUSTOMER_LOAN_PRINCIPAL_ACCOUNT; |
| customerLoanInterestIdentifier = AccountingFixture.IMPORTED_CUSTOMER_LOAN_INTEREST_ACCOUNT; |
| customerLoanFeeIdentifier = AccountingFixture.IMPORTED_CUSTOMER_LOAN_FEES_ACCOUNT; |
| |
| final CaseStatus changedCaseStatus = portfolioManager.getCaseStatus(product.getIdentifier(), customerCase.getIdentifier()); |
| Assert.assertEquals(Case.State.ACTIVE.name(), changedCaseStatus.getCurrentState()); |
| Assert.assertEquals(DateConverter.toIsoString(forDateTime), changedCaseStatus.getStartOfTerm()); |
| Assert.assertEquals("2018-02-08T00:00:00Z", changedCaseStatus.getEndOfTerm()); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, Action.MARK_LATE, Action.ACCEPT_PAYMENT, Action.DISBURSE, Action.MARK_IN_ARREARS, Action.WRITE_OFF, Action.CLOSE); |
| |
| expectedCurrentPrincipal = currentPrincipal; |
| updateBalanceMock(); |
| |
| final Case changedCase = portfolioManager.getCase(product.getIdentifier(), customerCase.getIdentifier()); |
| final Map<String, String> designatorsAssignedForCase = changedCase.getAccountAssignments().stream() |
| .collect(Collectors.toMap(AccountAssignment::getDesignator, AccountAssignment::getAccountIdentifier)); |
| Assert.assertEquals( |
| AccountingFixture.IMPORTED_CUSTOMER_LOAN_PRINCIPAL_ACCOUNT, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_PRINCIPAL)); |
| Assert.assertEquals( |
| AccountingFixture.IMPORTED_CUSTOMER_LOAN_INTEREST_ACCOUNT, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_INTEREST)); |
| Assert.assertEquals( |
| AccountingFixture.IMPORTED_CUSTOMER_LOAN_FEES_ACCOUNT, |
| designatorsAssignedForCase.get(AccountDesignators.CUSTOMER_LOAN_FEES)); |
| } |
| |
| |
| //Deny the case. Once this is done, no more actions are possible for the case. |
| private void step4DenyCase(final LocalDateTime forDateTime) throws InterruptedException { |
| logger.info("step4DenyCase"); |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.DENY, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.DENY, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| IndividualLoanEventConstants.DENY_INDIVIDUALLOAN_CASE, |
| Case.State.CLOSED); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier()); |
| } |
| |
| |
| //Approve the case, accept a loan origination fee, and prepare to disburse the loan by earmarking the funds. |
| private void step4ApproveCase(final LocalDateTime forDateTime) throws InterruptedException |
| { |
| logger.info("step4ApproveCase"); |
| |
| markTaskExecuted(product, customerCase, taskDefinition); |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.APPROVE, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.APPROVE, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| IndividualLoanEventConstants.APPROVE_INDIVIDUALLOAN_CASE, |
| Case.State.APPROVED); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), Action.DISBURSE, Action.CLOSE); |
| |
| final String customerLoanLedgerIdentifier = AccountingFixture.verifyLedgerCreation( |
| ledgerManager, |
| AccountingFixture.CUSTOMER_LOAN_LEDGER_IDENTIFIER, |
| AccountType.ASSET); |
| |
| customerLoanPrincipalIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator(ledgerManager, customerLoanLedgerIdentifier, AccountDesignators.CUSTOMER_LOAN_PRINCIPAL, AccountType.ASSET); |
| customerLoanInterestIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator(ledgerManager, customerLoanLedgerIdentifier, AccountDesignators.CUSTOMER_LOAN_INTEREST, AccountType.ASSET); |
| customerLoanFeeIdentifier = |
| AccountingFixture.verifyAccountCreationMatchingDesignator(ledgerManager, customerLoanLedgerIdentifier, AccountDesignators.CUSTOMER_LOAN_FEES, AccountType.ASSET); |
| |
| expectedCurrentPrincipal = BigDecimal.ZERO; |
| interestAccrued = BigDecimal.ZERO; |
| nonLateFees = BigDecimal.ZERO; |
| lateFees = BigDecimal.ZERO; |
| updateBalanceMock(); |
| } |
| |
| //Approve the case, accept a loan origination fee, and prepare to disburse the loan by earmarking the funds. |
| private void step5Disburse( |
| final BigDecimal amount, |
| final LocalDateTime forDateTime, |
| final String whichDisbursementFee, |
| final BigDecimal disbursementFeeAmount) throws InterruptedException { |
| logger.info("step5Disburse '{}'", amount); |
| final BigDecimal provisionForLosses = amount.multiply(BigDecimal.valueOf(0.01)).setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN); |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.DISBURSE, |
| Sets.newLinkedHashSet(AccountDesignators.ENTRY, AccountDesignators.CUSTOMER_LOAN_GROUP), |
| amount, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS, |
| new CostComponent(whichDisbursementFee, disbursementFeeAmount), |
| new CostComponent(ChargeIdentifiers.LOAN_ORIGINATION_FEE_ID, LOAN_ORIGINATION_FEE_AMOUNT), |
| new CostComponent(ChargeIdentifiers.PROCESSING_FEE_ID, PROCESSING_FEE_AMOUNT), |
| new CostComponent(ChargeIdentifiers.DISBURSE_PAYMENT_ID, amount)); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.DISBURSE, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| amount, |
| IndividualLoanEventConstants.DISBURSE_INDIVIDUALLOAN_CASE, |
| Case.State.ACTIVE); |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, Action.MARK_LATE, Action.ACCEPT_PAYMENT, Action.DISBURSE, Action.MARK_IN_ARREARS, Action.WRITE_OFF, Action.CLOSE); |
| |
| final Set<Debtor> debtors = new HashSet<>(); |
| debtors.add(new Debtor(customerLoanPrincipalIdentifier, amount.toPlainString())); |
| debtors.add(new Debtor(customerLoanFeeIdentifier, PROCESSING_FEE_AMOUNT.add(disbursementFeeAmount).add(LOAN_ORIGINATION_FEE_AMOUNT).toPlainString())); |
| debtors.add(new Debtor(AccountingFixture.GENERAL_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, provisionForLosses.toPlainString())); |
| |
| final Set<Creditor> creditors = new HashSet<>(); |
| creditors.add(new Creditor(AccountingFixture.CUSTOMERS_DEPOSIT_ACCOUNT, amount.toString())); |
| creditors.add(new Creditor(AccountingFixture.PROCESSING_FEE_INCOME_ACCOUNT_IDENTIFIER, PROCESSING_FEE_AMOUNT.toPlainString())); |
| creditors.add(new Creditor(AccountingFixture.DISBURSEMENT_FEE_INCOME_ACCOUNT_IDENTIFIER, disbursementFeeAmount.toPlainString())); |
| creditors.add(new Creditor(AccountingFixture.LOAN_ORIGINATION_FEES_ACCOUNT_IDENTIFIER, LOAN_ORIGINATION_FEE_AMOUNT.toPlainString())); |
| creditors.add(new Creditor(AccountingFixture.PRODUCT_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, provisionForLosses.toPlainString())); |
| AccountingFixture.verifyTransfer(ledgerManager, debtors, creditors, product.getIdentifier(), customerCase.getIdentifier(), Action.DISBURSE); |
| |
| expectedCurrentPrincipal = expectedCurrentPrincipal.add(amount); |
| interestAccrued = BigDecimal.ZERO; |
| nonLateFees = nonLateFees.add(disbursementFeeAmount).add(PROCESSING_FEE_AMOUNT).add(LOAN_ORIGINATION_FEE_AMOUNT); |
| lateFees = BigDecimal.ZERO; |
| productLossAllowance = provisionForLosses; |
| |
| updateBalanceMock(); |
| } |
| |
| private void step6CalculateInterestAndCheckForLatenessForWeek( |
| final LocalDateTime referenceDate, |
| final int weekNumber) throws InterruptedException { |
| step6CalculateInterestAndCheckForLatenessForRangeOfDays( |
| referenceDate, |
| (weekNumber * 7) + 1, |
| (weekNumber + 1) * 7, |
| -1, |
| BigDecimal.ZERO); |
| } |
| |
| private void step6CalculateInterestAndCheckForLatenessForRangeOfDays( |
| final LocalDateTime referenceDate, |
| final int startInclusive, |
| final int endInclusive, |
| final int relativeDayOfLateFee, |
| final BigDecimal calculatedLateFee) throws InterruptedException { |
| try { |
| final LocalDateTime absoluteDayOfLateFee = referenceDate.plusDays(startInclusive + relativeDayOfLateFee); |
| IntStream.rangeClosed(startInclusive, endInclusive) |
| .mapToObj(referenceDate::plusDays) |
| .forEach(day -> { |
| try { |
| if (day.equals(absoluteDayOfLateFee)) { |
| step6CalculateInterestAccrualAndCheckForLateness(day, calculatedLateFee); |
| } |
| else { |
| step6CalculateInterestAccrualAndCheckForLateness(day, BigDecimal.ZERO); |
| } |
| } catch (InterruptedException e) { |
| throw new RuntimeException(e); |
| } |
| }); |
| } |
| catch (RuntimeException e) { |
| final Throwable cause = e.getCause(); |
| if (cause != null && cause.getClass().isAssignableFrom(InterruptedException.class)) |
| throw (InterruptedException)e.getCause(); |
| else |
| throw e; |
| } |
| } |
| |
| //Perform daily interest calculation. |
| private void step6CalculateInterestAccrualAndCheckForLateness( |
| final LocalDateTime forDateTime, |
| final BigDecimal calculatedLateFee) throws InterruptedException { |
| logger.info("step6CalculateInterestAccrualAndCheckForLateness '{}'", forDateTime); |
| final String beatIdentifier = "alignment0"; |
| final String midnightTimeStamp = DateConverter.toIsoString(forDateTime); |
| |
| final BigDecimal dailyInterestRate = Fixture.INTEREST_RATE |
| .divide(BigDecimal.valueOf(100), 8, BigDecimal.ROUND_HALF_EVEN) |
| .divide(Fixture.ACCRUAL_PERIODS, 8, BigDecimal.ROUND_HALF_EVEN); |
| |
| final BigDecimal calculatedInterest = expectedCurrentPrincipal |
| .multiply(dailyInterestRate) |
| .setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN); |
| |
| final BigDecimal provisionForLosses = calculatedLateFee.equals(BigDecimal.ZERO) ? |
| BigDecimal.ZERO : |
| expectedCurrentPrincipal.multiply(BigDecimal.valueOf(0.09)) |
| .setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN); |
| |
| logger.info("calculatedInterest '{}'", calculatedInterest); |
| logger.info("calculatedLateFee '{}'", calculatedLateFee); |
| logger.info("provisionForLosses '{}'", provisionForLosses); |
| |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| |
| if (calculatedLateFee.compareTo(BigDecimal.ZERO) != 0) { |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.MARK_LATE, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS, |
| new CostComponent(ChargeIdentifiers.PROVISION_FOR_LOSSES_ID, provisionForLosses.negate())); |
| } |
| final BeatPublish interestBeat = new BeatPublish(beatIdentifier, midnightTimeStamp); |
| portfolioBeatListener.publishBeat(interestBeat); |
| Assert.assertTrue(this.eventRecorder.wait(io.mifos.rhythm.spi.v1.events.EventConstants.POST_PUBLISHEDBEAT, |
| new BeatPublishEvent(EventConstants.DESTINATION, beatIdentifier, midnightTimeStamp))); |
| |
| Assert.assertTrue(this.eventRecorder.wait(IndividualLoanEventConstants.CHECK_LATE_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.APPLY_INTEREST_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| |
| if (calculatedLateFee.compareTo(BigDecimal.ZERO) != 0) |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.MARK_LATE_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| |
| |
| final Case customerCaseAfterStateChange = portfolioManager.getCase(product.getIdentifier(), customerCase.getIdentifier()); |
| Assert.assertEquals(customerCaseAfterStateChange.getCurrentState(), Case.State.ACTIVE.name()); |
| |
| final Set<Debtor> debtors = new HashSet<>(); |
| debtors.add(new Debtor( |
| customerLoanInterestIdentifier, |
| calculatedInterest.toPlainString())); |
| |
| final Set<Creditor> creditors = new HashSet<>(); |
| creditors.add(new Creditor( |
| AccountingFixture.LOAN_INTEREST_ACCRUAL_ACCOUNT_IDENTIFIER, |
| calculatedInterest.toPlainString())); |
| AccountingFixture.verifyTransfer( |
| ledgerManager, |
| debtors, |
| creditors, |
| product.getIdentifier(), |
| customerCase.getIdentifier(), Action.APPLY_INTEREST); |
| |
| |
| if (calculatedLateFee.compareTo(BigDecimal.ZERO) != 0) { |
| final Set<Debtor> lateFeeDebtors = new HashSet<>(); |
| lateFeeDebtors.add(new Debtor( |
| customerLoanFeeIdentifier, |
| calculatedLateFee.toPlainString())); |
| lateFeeDebtors.add(new Debtor( |
| AccountingFixture.GENERAL_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, |
| provisionForLosses.toPlainString())); |
| |
| final Set<Creditor> lateFeeCreditors = new HashSet<>(); |
| lateFeeCreditors.add(new Creditor( |
| AccountingFixture.LATE_FEE_ACCRUAL_ACCOUNT_IDENTIFIER, |
| calculatedLateFee.toPlainString())); |
| lateFeeCreditors.add(new Creditor( |
| AccountingFixture.PRODUCT_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, |
| provisionForLosses.toPlainString())); |
| AccountingFixture.verifyTransfer( |
| ledgerManager, |
| lateFeeDebtors, |
| lateFeeCreditors, |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.MARK_LATE); |
| lateFees = lateFees.add(calculatedLateFee); |
| productLossAllowance = productLossAllowance.add(provisionForLosses); |
| } |
| interestAccrued = interestAccrued.add(calculatedInterest); |
| |
| updateBalanceMock(); |
| logger.info("Completed step6CalculateInterestAccrualAndCheckForLateness"); |
| } |
| |
| private void step6ICalculateInterestAndLossAllowancesForLateLoanForRangeOfDays( |
| final LocalDateTime referenceDate, |
| final LossProvisionStep... lossProvisionSteps) throws InterruptedException |
| { |
| try { |
| final Map<Integer, BigDecimal> lossProvisionConfiguration = Stream.of(lossProvisionSteps) |
| .collect(Collectors.toMap(LossProvisionStep::getDaysLate, LossProvisionStep::getPercentProvision)); |
| |
| IntStream.rangeClosed(9, 67) |
| .forEach(day -> { |
| try { |
| final int daysLate = day - 7; |
| step6ICalculateInterestAndLossAllowancesForLateLoan( |
| referenceDate.plusDays(day), |
| daysLate, |
| lossProvisionConfiguration.get(daysLate)); |
| } catch (InterruptedException e) { |
| throw new RuntimeException(e); |
| } |
| }); |
| } |
| catch (RuntimeException e) { |
| final Throwable cause = e.getCause(); |
| if (cause != null && cause.getClass().isAssignableFrom(InterruptedException.class)) |
| throw (InterruptedException)e.getCause(); |
| else |
| throw e; |
| } |
| } |
| |
| private void step6ICalculateInterestAndLossAllowancesForLateLoan( |
| final LocalDateTime forDateTime, |
| final int daysLate, |
| final @Nullable BigDecimal percentProvision) throws InterruptedException |
| { |
| logger.info("step6ICalculateInterestAndLossAllowancesForLateLoan '{}'", forDateTime); |
| final String beatIdentifier = "alignment0"; |
| final String midnightTimeStamp = DateConverter.toIsoString(forDateTime); |
| |
| final BigDecimal dailyInterestRate = Fixture.INTEREST_RATE |
| .divide(BigDecimal.valueOf(100), 8, BigDecimal.ROUND_HALF_EVEN) |
| .divide(Fixture.ACCRUAL_PERIODS, 8, BigDecimal.ROUND_HALF_EVEN); |
| |
| final BigDecimal calculatedInterest = expectedCurrentPrincipal |
| .multiply(dailyInterestRate) |
| .setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN); |
| |
| final BigDecimal provisionForLosses = percentProvision == null ? |
| BigDecimal.ZERO : |
| expectedCurrentPrincipal.multiply(percentProvision.divide(BigDecimal.valueOf(100), 2, BigDecimal.ROUND_HALF_EVEN)) |
| .setScale(MINOR_CURRENCY_UNIT_DIGITS, BigDecimal.ROUND_HALF_EVEN); |
| |
| logger.info("calculatedInterest '{}'", calculatedInterest); |
| logger.info("percentProvision '{}'", percentProvision); |
| logger.info("provisionForLosses '{}'", provisionForLosses); |
| |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.MARK_IN_ARREARS, |
| null, |
| BigDecimal.valueOf(daysLate), |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS, |
| new CostComponent(ChargeIdentifiers.PROVISION_FOR_LOSSES_ID, provisionForLosses.negate())); |
| |
| final BeatPublish interestBeat = new BeatPublish(beatIdentifier, midnightTimeStamp); |
| portfolioBeatListener.publishBeat(interestBeat); |
| Assert.assertTrue(this.eventRecorder.wait(io.mifos.rhythm.spi.v1.events.EventConstants.POST_PUBLISHEDBEAT, |
| new BeatPublishEvent(EventConstants.DESTINATION, beatIdentifier, midnightTimeStamp))); |
| |
| Assert.assertTrue(this.eventRecorder.wait(IndividualLoanEventConstants.CHECK_LATE_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.APPLY_INTEREST_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| |
| if (percentProvision != null) { |
| Assert.assertTrue(eventRecorder.wait(IndividualLoanEventConstants.MARK_IN_ARREARS_INDIVIDUALLOAN_CASE, |
| new IndividualLoanCommandEvent(product.getIdentifier(), customerCase.getIdentifier(), midnightTimeStamp))); |
| } |
| |
| |
| final Case customerCaseAfterStateChange = portfolioManager.getCase(product.getIdentifier(), customerCase.getIdentifier()); |
| Assert.assertEquals(customerCaseAfterStateChange.getCurrentState(), Case.State.ACTIVE.name()); |
| |
| final Set<Debtor> debtors = new HashSet<>(); |
| debtors.add(new Debtor( |
| customerLoanInterestIdentifier, |
| calculatedInterest.toPlainString())); |
| |
| final Set<Creditor> creditors = new HashSet<>(); |
| creditors.add(new Creditor( |
| AccountingFixture.LOAN_INTEREST_ACCRUAL_ACCOUNT_IDENTIFIER, |
| calculatedInterest.toPlainString())); |
| AccountingFixture.verifyTransfer( |
| ledgerManager, |
| debtors, |
| creditors, |
| product.getIdentifier(), |
| customerCase.getIdentifier(), Action.APPLY_INTEREST); |
| |
| if (percentProvision != null) { |
| final Set<Debtor> lateFeeDebtors = new HashSet<>(); |
| lateFeeDebtors.add(new Debtor( |
| AccountingFixture.GENERAL_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, |
| provisionForLosses.toPlainString())); |
| |
| final Set<Creditor> lateFeeCreditors = new HashSet<>(); |
| lateFeeCreditors.add(new Creditor( |
| AccountingFixture.PRODUCT_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, |
| provisionForLosses.toPlainString())); |
| AccountingFixture.verifyTransfer( |
| ledgerManager, |
| lateFeeDebtors, |
| lateFeeCreditors, |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.MARK_IN_ARREARS); |
| productLossAllowance = productLossAllowance.add(provisionForLosses); |
| } |
| interestAccrued = interestAccrued.add(calculatedInterest); |
| |
| updateBalanceMock(); |
| logger.info("Completed step6ICalculateInterestAndLossAllowancesForLateLoan"); |
| |
| } |
| |
| private Payment step7PaybackPartialAmount( |
| final BigDecimal amount, |
| final LocalDateTime forDateTime, |
| final BigDecimal lateFee) throws InterruptedException { |
| logger.info("step7PaybackPartialAmount '{}' '{}'", amount, forDateTime); |
| final BigDecimal principal = amount.subtract(interestAccrued).subtract(lateFee.add(nonLateFees)); |
| |
| AccountingFixture.mockBalance(AccountingFixture.CUSTOMERS_DEPOSIT_ACCOUNT, amount); |
| |
| final Payment payment = checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.ACCEPT_PAYMENT, |
| new HashSet<>(Arrays.asList(AccountDesignators.ENTRY, AccountDesignators.CUSTOMER_LOAN_GROUP, AccountDesignators.LOAN_FUNDS_SOURCE)), |
| amount, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS, |
| new CostComponent(ChargeIdentifiers.REPAY_PRINCIPAL_ID, principal), |
| new CostComponent(ChargeIdentifiers.REPAY_INTEREST_ID, interestAccrued), |
| new CostComponent(ChargeIdentifiers.REPAY_FEES_ID, lateFee.add(nonLateFees)), |
| new CostComponent(ChargeIdentifiers.INTEREST_ID, interestAccrued), |
| new CostComponent(ChargeIdentifiers.LATE_FEE_ID, lateFee)); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.ACCEPT_PAYMENT, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| amount, |
| IndividualLoanEventConstants.ACCEPT_PAYMENT_INDIVIDUALLOAN_CASE, |
| Case.State.ACTIVE); //Close has to be done explicitly. |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier(), |
| Action.APPLY_INTEREST, Action.MARK_LATE, Action.ACCEPT_PAYMENT, Action.DISBURSE, Action.MARK_IN_ARREARS, Action.WRITE_OFF, Action.CLOSE); |
| |
| final Set<Debtor> debtors = new HashSet<>(); |
| BigDecimal tellerOneDebit = principal; |
| if (interestAccrued.compareTo(BigDecimal.ZERO) != 0) { |
| tellerOneDebit = tellerOneDebit.add(interestAccrued); |
| debtors.add(new Debtor(AccountingFixture.LOAN_INTEREST_ACCRUAL_ACCOUNT_IDENTIFIER, interestAccrued.toPlainString())); |
| } |
| if (lateFee.add(nonLateFees).compareTo(BigDecimal.ZERO) != 0) { |
| tellerOneDebit = tellerOneDebit.add(lateFee.add(nonLateFees)); |
| } |
| if (lateFee.compareTo(BigDecimal.ZERO) != 0) { |
| debtors.add(new Debtor(AccountingFixture.LATE_FEE_ACCRUAL_ACCOUNT_IDENTIFIER, lateFee.toPlainString())); |
| } |
| debtors.add(new Debtor(AccountingFixture.CUSTOMERS_DEPOSIT_ACCOUNT, tellerOneDebit.toPlainString())); |
| |
| final Set<Creditor> creditors = new HashSet<>(); |
| creditors.add(new Creditor(customerLoanPrincipalIdentifier, principal.toPlainString())); |
| if (interestAccrued.compareTo(BigDecimal.ZERO) != 0) { |
| creditors.add(new Creditor(customerLoanInterestIdentifier, interestAccrued.toPlainString())); |
| creditors.add(new Creditor(AccountingFixture.CONSUMER_LOAN_INTEREST_ACCOUNT_IDENTIFIER, interestAccrued.toPlainString())); |
| } |
| if (lateFee.add(nonLateFees).compareTo(BigDecimal.ZERO) != 0) { |
| creditors.add(new Creditor(customerLoanFeeIdentifier, lateFee.add(nonLateFees).toPlainString())); |
| } |
| if (lateFee.compareTo(BigDecimal.ZERO) != 0) { |
| creditors.add(new Creditor(AccountingFixture.LATE_FEE_INCOME_ACCOUNT_IDENTIFIER, lateFee.toPlainString())); |
| } |
| |
| AccountingFixture.verifyTransfer(ledgerManager, debtors, creditors, product.getIdentifier(), customerCase.getIdentifier(), Action.ACCEPT_PAYMENT); |
| |
| expectedCurrentPrincipal = expectedCurrentPrincipal.subtract(principal); |
| interestAccrued = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| nonLateFees = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| lateFees = BigDecimal.ZERO.setScale(MINOR_CURRENCY_UNIT_DIGITS, RoundingMode.HALF_EVEN); |
| |
| updateBalanceMock(); |
| logger.info("Completed step7PaybackPartialAmount"); |
| return payment; |
| } |
| |
| private void step8Close( |
| final LocalDateTime forDateTime) throws InterruptedException |
| { |
| logger.info("step8Close for '{}'", forDateTime); |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.CLOSE, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.CLOSE, |
| forDateTime, |
| Collections.singletonList(assignEntryToTeller()), |
| IndividualLoanEventConstants.CLOSE_INDIVIDUALLOAN_CASE, |
| Case.State.CLOSED); //Close has to be done explicitly. |
| |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier()); |
| } |
| |
| private void step8IWriteOff( |
| final LocalDateTime forDateTime) throws InterruptedException { |
| logger.info("step8IWriteOff for '{}'", forDateTime); |
| |
| checkCostComponentForActionCorrect( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.WRITE_OFF, |
| null, |
| null, |
| forDateTime, |
| MINOR_CURRENCY_UNIT_DIGITS, |
| new CostComponent(ChargeIdentifiers.WRITE_OFF_ID, expectedCurrentPrincipal), |
| new CostComponent(ChargeIdentifiers.INTEREST_ID, interestAccrued), |
| new CostComponent(ChargeIdentifiers.LATE_FEE_ID, lateFees)); |
| checkStateTransfer( |
| product.getIdentifier(), |
| customerCase.getIdentifier(), |
| Action.WRITE_OFF, |
| forDateTime, |
| Collections.singletonList(assignExpenseToGeneralExpense()), |
| IndividualLoanEventConstants.WRITE_OFF_INDIVIDUALLOAN_CASE, |
| Case.State.CLOSED); //Close has to be done explicitly. |
| |
| checkNextActionsCorrect(product.getIdentifier(), customerCase.getIdentifier()); |
| |
| final Set<Debtor> debtors = new HashSet<>(); |
| debtors.add(new Debtor(AccountingFixture.GENERAL_EXPENSE_ACCOUNT_IDENTIFIER, expectedCurrentPrincipal.toPlainString())); |
| debtors.add(new Debtor(AccountingFixture.LATE_FEE_ACCRUAL_ACCOUNT_IDENTIFIER, lateFees.toPlainString())); |
| debtors.add(new Debtor(AccountingFixture.LOAN_INTEREST_ACCRUAL_ACCOUNT_IDENTIFIER, interestAccrued.toPlainString())); |
| |
| final Set<Creditor> creditors = new HashSet<>(); |
| creditors.add(new Creditor(AccountingFixture.GENERAL_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, expectedCurrentPrincipal.toPlainString())); |
| creditors.add(new Creditor(AccountingFixture.PRODUCT_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, lateFees.add(interestAccrued).toPlainString())); |
| |
| AccountingFixture.verifyTransfer(ledgerManager, debtors, creditors, product.getIdentifier(), customerCase.getIdentifier(), Action.WRITE_OFF); |
| |
| productLossAllowance = BigDecimal.ZERO; |
| updateBalanceMock(); |
| } |
| |
| private void updateBalanceMock() { |
| logger.info("Updating balance mocks"); |
| final BigDecimal allFees = lateFees.add(nonLateFees); |
| AccountingFixture.mockBalance(customerLoanPrincipalIdentifier, expectedCurrentPrincipal); |
| AccountingFixture.mockBalance(customerLoanFeeIdentifier, allFees); |
| AccountingFixture.mockBalance(customerLoanInterestIdentifier, interestAccrued); |
| AccountingFixture.mockBalance(AccountingFixture.LOAN_INTEREST_ACCRUAL_ACCOUNT_IDENTIFIER, interestAccrued); |
| AccountingFixture.mockBalance(AccountingFixture.LATE_FEE_ACCRUAL_ACCOUNT_IDENTIFIER, lateFees); |
| AccountingFixture.mockBalance(AccountingFixture.PRODUCT_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, productLossAllowance.negate()); |
| AccountingFixture.mockBalance(AccountingFixture.GENERAL_LOSS_ALLOWANCE_ACCOUNT_IDENTIFIER, productLossAllowance); |
| logger.info("updated currentPrincipal '{}'", expectedCurrentPrincipal); |
| logger.info("updated interestAccrued '{}'", interestAccrued); |
| logger.info("updated nonLateFees '{}'", nonLateFees); |
| logger.info("updated lateFees '{}'", lateFees); |
| logger.info("updated productLossAllowance '{}'", productLossAllowance); |
| } |
| } |
