| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| import static org.junit.jupiter.api.Assertions.assertTrue; |
| |
| import io.restassured.builder.RequestSpecBuilder; |
| import io.restassured.builder.ResponseSpecBuilder; |
| import io.restassured.http.ContentType; |
| import io.restassured.specification.RequestSpecification; |
| import io.restassured.specification.ResponseSpecification; |
| import java.time.LocalDate; |
| import java.time.format.DateTimeFormatter; |
| import java.time.format.DateTimeFormatterBuilder; |
| import java.util.ArrayList; |
| import java.util.HashMap; |
| import java.util.UUID; |
| import org.apache.fineract.client.models.GetDelinquencyBucketsResponse; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.infrastructure.core.service.DateUtils; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.accounting.PeriodicAccrualAccountingHelper; |
| import org.apache.fineract.integrationtests.common.charges.ChargesHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanAccrualTransactionReversalTest { |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| private ClientHelper clientHelper; |
| private DateTimeFormatter dateFormatter = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter(); |
| private PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper; |
| private AccountHelper accountHelper; |
| |
| @BeforeEach |
| public void setup() { |
| Utils.initializeRESTAssured(); |
| this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec); |
| this.periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(this.requestSpec, this.responseSpec); |
| this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| } |
| |
| @Test |
| public void testNoAccrualTransactionReversalForMultipleDisbursementWithChargeForLoanAccountWithNoInterestBearingSchedulePeriodicAccrual() { |
| |
| // Accounts for periodic accrual |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // Client and Loan account creation |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithMultipleDisbursement( |
| loanTransactionHelper, delinquencyBucketId, assetAccount, incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(getLoanProductsProductResponse); |
| |
| final Integer loanId = createLoanAccount(clientId, getLoanProductsProductResponse.getId(), loanExternalIdStr); |
| // 1st disbursement |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 September 2022", loanId, "100"); |
| // 2nd disbursement |
| loanTransactionHelper.disburseLoanWithTransactionAmount("04 September 2022", loanId, "300"); |
| |
| // Add Charge |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 4); |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| // Run accrual till charge date |
| this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(penaltyCharge1AddedDate); |
| |
| // verify accrual transaction created |
| checkAccrualTransaction(targetDate, 0.0f, 0.0f, 10.0f, loanId); |
| |
| // 3rd disbursement |
| loanTransactionHelper.disburseLoanWithTransactionAmount("05 September 2022", loanId, "600"); |
| |
| // verify accrual transaction exists with same date,amount and is not reversed by regeneration of repayment |
| // schedule |
| checkAccrualTransaction(targetDate, 0.0f, 0.0f, 10.0f, loanId); |
| |
| } |
| |
| @Test |
| public void testLastAccrualTransactionReversalRecalculationForLoanAccountWithInterestBearingScheduleWithDecliningBalance() { |
| |
| try { |
| // Set business date |
| LocalDate currentDate = LocalDate.of(2022, 05, 8); |
| final String accrualRunTillDate = dateFormatter.format(currentDate); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, currentDate); |
| |
| // Accounts oof periodic accrual |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Client and Loan account creation |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // create loan product |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithInterestRecalculation(assetAccount, |
| incomeAccount, expenseAccount, overpaymentAccount); |
| assertNotNull(getLoanProductsProductResponse); |
| // create loan account |
| final Integer loanId = createLoanAccountWithInterestRecalculation(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr); |
| // run accruals till business date |
| this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(accrualRunTillDate); |
| // check amount for last accrual on business date |
| checkAccrualTransaction(currentDate, 0.82f, 0.0f, 0.0f, loanId); |
| // make repayment on due date |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("5 February 2022").locale("en") |
| .transactionAmount(106.57)); |
| // check previous accrual is reversed and new accrual created for same date and different amount. |
| checkAccrualTransaction(currentDate, 0.71f, 0.0f, 0.0f, loanId); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| private Integer createLoanAccountWithInterestRecalculation(final Integer clientID, final Long loanProductID, final String externalId) { |
| |
| final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("12") |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments("12").withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withAmortizationTypeAsEqualInstallments().withInterestCalculationPeriodTypeAsDays() |
| .withInterestRatePerPeriod("12").withInterestTypeAsDecliningBalance().withPrincipalGrace("2").withInterestGrace("2") |
| .withExpectedDisbursementDate("05 January 2022").withSubmittedOnDate("05 January 2022").withLoanType("individual") |
| .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null); |
| |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan("05 January 2022", "1000", loanId, null); |
| loanTransactionHelper.disburseLoanWithNetDisbursalAmount("05 January 2022", loanId, "1000"); |
| return loanId; |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProductWithInterestRecalculation(final Account... accounts) { |
| |
| final String interestRecalculationCompoundingMethod = LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_NONE; |
| final String rescheduleStrategyMethod = LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_NUMBER_OF_INSTALLMENTS; |
| final String recalculationRestFrequencyType = LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY; |
| final String recalculationRestFrequencyInterval = "0"; |
| final String preCloseInterestCalculationStrategy = LoanProductTestBuilder.INTEREST_APPLICABLE_STRATEGY_ON_PRE_CLOSE_DATE; |
| final String recalculationCompoundingFrequencyType = null; |
| final String recalculationCompoundingFrequencyInterval = null; |
| final Integer recalculationCompoundingFrequencyOnDayType = null; |
| final Integer recalculationCompoundingFrequencyDayOfWeekType = null; |
| final Integer recalculationRestFrequencyOnDayType = null; |
| final Integer recalculationRestFrequencyDayOfWeekType = null; |
| |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withNumberOfRepayments("12") |
| .withinterestRatePerPeriod("12").withInterestRateFrequencyTypeAsYear().withInterestTypeAsDecliningBalance() |
| .withInterestCalculationPeriodTypeAsDays() |
| .withInterestRecalculationDetails(interestRecalculationCompoundingMethod, rescheduleStrategyMethod, |
| preCloseInterestCalculationStrategy) |
| .withInterestRecalculationRestFrequencyDetails(recalculationRestFrequencyType, recalculationRestFrequencyInterval, |
| recalculationRestFrequencyOnDayType, recalculationRestFrequencyDayOfWeekType) |
| .withInterestRecalculationCompoundingFrequencyDetails(recalculationCompoundingFrequencyType, |
| recalculationCompoundingFrequencyInterval, recalculationCompoundingFrequencyOnDayType, |
| recalculationCompoundingFrequencyDayOfWeekType) |
| .withAccountingRulePeriodicAccrual(accounts).build(null); |
| |
| final Integer loanProductId = this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProductWithMultipleDisbursement(final LoanTransactionHelper loanTransactionHelper, |
| final Integer delinquencyBucketId, final Account... accounts) { |
| |
| final HashMap<String, Object> loanProductMap = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery("1").withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance() |
| .withAccountingRulePeriodicAccrual(accounts).withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30") |
| .withDaysInYear("365").withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .build(null, delinquencyBucketId); |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap)); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private Integer createLoanAccount(final Integer clientID, final Long loanProductID, final String externalId) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1") |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments("1").withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance() |
| .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod() |
| .withExpectedDisbursementDate("03 September 2022").withSubmittedOnDate("01 September 2022").withLoanType("individual") |
| .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null); |
| |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null); |
| return loanId; |
| } |
| |
| private void checkAccrualTransaction(final LocalDate transactionDate, final Float interestPortion, final Float feePortion, |
| final Float penaltyPortion, final Integer loanID) { |
| |
| ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec, |
| this.responseSpec, loanID); |
| boolean isTransactionFound = false; |
| for (int i = 0; i < transactions.size(); i++) { |
| HashMap transactionType = (HashMap) transactions.get(i).get("type"); |
| boolean isAccrualTransaction = (Boolean) transactionType.get("accrual"); |
| |
| if (isAccrualTransaction) { |
| ArrayList<Integer> accrualEntryDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date"); |
| LocalDate accrualEntryDate = LocalDate.of(accrualEntryDateAsArray.get(0), accrualEntryDateAsArray.get(1), |
| accrualEntryDateAsArray.get(2)); |
| |
| if (DateUtils.isEqual(transactionDate, accrualEntryDate)) { |
| isTransactionFound = true; |
| assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))), |
| "Mismatch in transaction amounts"); |
| assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))), |
| "Mismatch in transaction amounts"); |
| assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))), |
| "Mismatch in transaction amounts"); |
| break; |
| } |
| } |
| } |
| assertTrue(isTransactionFound, "No Accrual entries are posted"); |
| } |
| |
| } |