FINERACT-1992: Backdated delinquency pause
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java
index c92693d..23a0f0c 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java
@@ -39,6 +39,7 @@
import org.apache.fineract.portfolio.delinquency.api.DelinquencyApiConstants;
import org.apache.fineract.portfolio.delinquency.data.DelinquencyBucketData;
import org.apache.fineract.portfolio.delinquency.data.DelinquencyRangeData;
+import org.apache.fineract.portfolio.delinquency.domain.DelinquencyAction;
import org.apache.fineract.portfolio.delinquency.domain.DelinquencyBucket;
import org.apache.fineract.portfolio.delinquency.domain.DelinquencyBucketMappings;
import org.apache.fineract.portfolio.delinquency.domain.DelinquencyBucketMappingsRepository;
@@ -230,8 +231,12 @@
savedDelinquencyList, businessDate);
parsedDelinquencyAction.setLoan(loan);
-
LoanDelinquencyAction saved = loanDelinquencyActionRepository.saveAndFlush(parsedDelinquencyAction);
+ // if backdated pause recalculate delinquency data
+ if (DateUtils.isBefore(parsedDelinquencyAction.getStartDate(), businessDate)
+ && DelinquencyAction.PAUSE.equals(parsedDelinquencyAction.getAction())) {
+ recalculateLoanDelinquencyData(loan);
+ }
businessEventNotifierService.notifyPostBusinessEvent(new LoanAccountDelinquencyPauseChangedBusinessEvent(loan));
return new CommandProcessingResultBuilder().withCommandId(command.commandId()) //
.withEntityId(saved.getId()) //
@@ -242,6 +247,21 @@
.build();
}
+ private void recalculateLoanDelinquencyData(Loan loan) {
+ List<LoanDelinquencyAction> savedDelinquencyList = delinquencyReadPlatformService.retrieveLoanDelinquencyActions(loan.getId());
+ List<LoanDelinquencyActionData> effectiveDelinquencyList = delinquencyEffectivePauseHelper
+ .calculateEffectiveDelinquencyList(savedDelinquencyList);
+
+ CollectionData loanDelinquencyData = loanDelinquencyDomainService.getOverdueCollectionData(loan, effectiveDelinquencyList);
+ LoanScheduleDelinquencyData loanScheduleDelinquencyData = new LoanScheduleDelinquencyData(loan.getId(),
+ loanDelinquencyData.getDelinquentDate(), loanDelinquencyData.getDelinquentDays(), loan);
+ if (loanScheduleDelinquencyData.getOverdueDays() > 0) {
+ applyDelinquencyTagToLoan(loanScheduleDelinquencyData, effectiveDelinquencyList);
+ } else {
+ removeDelinquencyTagToLoan(loan);
+ }
+ }
+
@Override
public void removeDelinquencyTagToLoan(final Loan loan) {
if (loan.isEnableInstallmentLevelDelinquency()) {
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidator.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidator.java
index 380785c..a9779d9 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidator.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidator.java
@@ -56,7 +56,8 @@
validateLoanIsActive(loan);
if (DelinquencyAction.PAUSE.equals(parsedDelinquencyAction.getAction())) {
validateBothStartAndEndDatesAreProvided(parsedDelinquencyAction);
- validatePauseStartAndEndDate(parsedDelinquencyAction, businessDate);
+ validatePauseStartAndEndDate(parsedDelinquencyAction);
+ validatePauseStartDateNotBeforeDisbursementDate(parsedDelinquencyAction, loan.getDisbursementDate());
validatePauseShallNotOverlap(parsedDelinquencyAction, effectiveDelinquencyList);
} else if (DelinquencyAction.RESUME.equals(parsedDelinquencyAction.getAction())) {
validateResumeStartDate(parsedDelinquencyAction, businessDate);
@@ -117,15 +118,18 @@
}
}
- private void validatePauseStartAndEndDate(LoanDelinquencyAction parsedDelinquencyAction, LocalDate businessDate) {
+ private void validatePauseStartAndEndDate(LoanDelinquencyAction parsedDelinquencyAction) {
if (parsedDelinquencyAction.getStartDate().equals(parsedDelinquencyAction.getEndDate())) {
raiseValidationError("loan-delinquency-action-invalid-start-date-and-end-date",
"Delinquency pause period must be at least one day");
}
+ }
- if (businessDate.isAfter(parsedDelinquencyAction.getStartDate())) {
- raiseValidationError("loan-delinquency-action-invalid-start-date", "Start date of pause period must be in the future",
- START_DATE);
+ private void validatePauseStartDateNotBeforeDisbursementDate(LoanDelinquencyAction parsedDelinquencyAction,
+ LocalDate firstDisbursalDate) {
+ if (firstDisbursalDate.isAfter(parsedDelinquencyAction.getStartDate())) {
+ raiseValidationError("loan-delinquency-action-invalid-start-date",
+ "Start date of pause period must be after first disbursal date", START_DATE);
}
}
diff --git a/fineract-provider/src/test/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidatorTest.java b/fineract-provider/src/test/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidatorTest.java
index 2c1d363..4b4b0f5 100644
--- a/fineract-provider/src/test/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidatorTest.java
+++ b/fineract-provider/src/test/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyActionParseAndValidatorTest.java
@@ -65,6 +65,7 @@
public void testParseAndValidationIsOKForPause() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("07 September 2022"));
JsonCommand command = delinquencyAction("pause", "09 September 2022", "19 September 2022");
@@ -96,6 +97,7 @@
public void testPauseBothStartAndEndDateIsOverlappingWithAnActivePause() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("07 September 2022"));
List<LoanDelinquencyAction> existing = List.of(loanDelinquencyAction(PAUSE, "14 September 2022", "22 September 2022"));
JsonCommand command = delinquencyAction("pause", "09 September 2022", "15 September 2022");
@@ -111,6 +113,7 @@
public void testPauseStartIsOverlappingWithAnActivePause() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
List<LoanDelinquencyAction> existing = List.of(loanDelinquencyAction(PAUSE, "14 September 2022", "22 September 2022"));
JsonCommand command = delinquencyAction("pause", "15 September 2022", "23 September 2022");
@@ -126,7 +129,7 @@
public void testNewPauseEndIsOverlappingWithExistingPause() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
-
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
List<LoanDelinquencyAction> existing = List.of(loanDelinquencyAction(PAUSE, "15 September 2022", "22 September 2022"));
JsonCommand command = delinquencyAction("pause", "13 September 2022", "20 September 2022");
List<LoanDelinquencyActionData> effectiveList = List.of(loanDelinquencyActionData(existing.get(0)));
@@ -141,6 +144,7 @@
public void testNewPauseIsOverlappingWithExistingPauseBecauseSameDates() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
List<LoanDelinquencyAction> existing = List.of(loanDelinquencyAction(PAUSE, "15 September 2022", "22 September 2022"));
JsonCommand command = delinquencyAction("pause", "15 September 2022", "22 September 2022");
@@ -156,6 +160,7 @@
public void testNewPauseIsNotOverlappingBecauseThereWasAResume() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
JsonCommand command = delinquencyAction("pause", "18 September 2022", "20 September 2022");
@@ -269,13 +274,15 @@
}
@Test
- public void testValidationErrorPausePeriodMustBeInFuture() throws JsonProcessingException {
+ public void testValidationErrorPausePeriodMustNotBeBeforeDisbursement() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
JsonCommand command = delinquencyAction("pause", "08 September 2022", "09 September 2022");
- assertPlatformValidationException("Start date of pause period must be in the future", "loan-delinquency-action-invalid-start-date",
+ assertPlatformValidationException("Start date of pause period must be after first disbursal date",
+ "loan-delinquency-action-invalid-start-date",
() -> underTest.validateAndParseUpdate(command, loan, List.of(), localDate("09 September 2022")));
}
@@ -308,6 +315,7 @@
public void testNewPausePeriodStartingOnExistingEndDate() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
JsonCommand command = delinquencyAction("pause", "18 September 2022", "20 September 2022");
@@ -324,6 +332,7 @@
public void testNewPauseEndingOnExistingStartDate() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
JsonCommand command = delinquencyAction("pause", "18 September 2022", "20 September 2022");
@@ -340,6 +349,7 @@
public void testNewPausePeriodStartingOnExistingEffectiveEndDate() throws JsonProcessingException {
Loan loan = Mockito.mock(Loan.class);
Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("11 September 2022"));
JsonCommand command = delinquencyAction("pause", "18 September 2022", "20 September 2022");
@@ -355,6 +365,21 @@
Assertions.assertEquals(localDate("20 September 2022"), parsedDelinquencyAction.getEndDate());
}
+ @Test
+ public void testParseAndValidationIsOKForBackdatedPause() throws JsonProcessingException {
+ Loan loan = Mockito.mock(Loan.class);
+ Mockito.when(loan.getStatus()).thenReturn(LoanStatus.ACTIVE);
+ Mockito.when(loan.getDisbursementDate()).thenReturn(localDate("07 September 2022"));
+
+ JsonCommand command = delinquencyAction("pause", "08 September 2022", "19 September 2022");
+
+ LoanDelinquencyAction parsedDelinquencyAction = underTest.validateAndParseUpdate(command, loan, List.of(),
+ localDate("09 September 2022"));
+ Assertions.assertEquals(PAUSE, parsedDelinquencyAction.getAction());
+ Assertions.assertEquals(localDate("08 September 2022"), parsedDelinquencyAction.getStartDate());
+ Assertions.assertEquals(localDate("19 September 2022"), parsedDelinquencyAction.getEndDate());
+ }
+
@NotNull
private JsonCommand delinquencyAction(@Nullable String action, @Nullable String startDate, @Nullable String endDate)
throws JsonProcessingException {
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java
index ac409ad..f7c8284 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java
@@ -22,6 +22,7 @@
import static org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType.BUSINESS_DATE;
import static org.apache.fineract.portfolio.delinquency.domain.DelinquencyAction.PAUSE;
import static org.apache.fineract.portfolio.delinquency.domain.DelinquencyAction.RESUME;
+import static org.assertj.core.api.Assertions.assertThat;
import static org.junit.jupiter.api.Assertions.assertEquals;
import static org.junit.jupiter.api.Assertions.assertNotNull;
import static org.junit.jupiter.api.Assertions.assertThrows;
@@ -32,11 +33,14 @@
import java.util.Arrays;
import java.util.List;
import java.util.UUID;
+import lombok.AllArgsConstructor;
import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.lang3.tuple.Pair;
import org.apache.fineract.client.models.BusinessDateRequest;
import org.apache.fineract.client.models.GetDelinquencyActionsResponse;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdDelinquencyPausePeriod;
+import org.apache.fineract.client.models.GetLoansLoanIdLoanInstallmentLevelDelinquency;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
@@ -44,6 +48,7 @@
import org.apache.fineract.client.util.CallFailedRuntimeException;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
+import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
import org.junit.jupiter.api.Assertions;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;
@@ -201,7 +206,7 @@
}
@Test
- public void testValidationErrorIsThrownWhenCreatingActionInThePast() {
+ public void testValidationErrorIsThrownWhenCreatingPauseActionWithBackdatedStartDateBeforeDisbursement() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
@@ -215,10 +220,80 @@
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");
- // Create Delinquency Pause for the Loan in the past
+ // Create Delinquency Pause for the Loan before disbursement date
CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
() -> loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "05 December 2022", "15 January 2023"));
- assertTrue(exception.getMessage().contains("Start date of pause period must be in the future"));
+ assertTrue(exception.getMessage().contains("Start date of pause period must be after first disbursal date"));
+ });
+ }
+
+ @Test
+ public void testCreateAndVerifyBackdatedPauseDelinquencyAction() {
+ runAt("30 January 2023", () -> {
+ // Create Client
+ Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+ // Create Loan Product
+ Long loanProductId = createLoanProductWith25PctDownPayment(true, true);
+
+ // Apply and Approve Loan
+ Long loanId = applyAndApproveLoan(clientId, loanProductId, "25 December 2022", 1500.0, 3,
+ req -> req.submittedOnDate("25 December 2022"));
+
+ // Disburse Loan
+ disburseLoan(loanId, BigDecimal.valueOf(1000.00), "25 December 2022");
+
+ // Create Delinquency Pause for the Loan in the past
+ PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
+ "28 January 2023", "15 February 2023");
+
+ List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
+ Assertions.assertNotNull(loanDelinquencyActions);
+ Assertions.assertEquals(1, loanDelinquencyActions.size());
+ Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
+ Assertions.assertEquals(LocalDate.parse("28 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
+ Assertions.assertEquals(LocalDate.parse("15 February 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
+
+ // Validate Active Delinquency Pause Period on Loan
+ validateLoanDelinquencyPausePeriods(loanId, pausePeriods("28 January 2023", "15 February 2023", true));
+ });
+ }
+
+ @Test
+ public void testVerifyLoanDelinquencyRecalculationForBackdatedPauseDelinquencyAction() {
+ runAt("30 January 2023", () -> {
+ // Create Client
+ Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+ // Create Loan Product
+ Long loanProductId = createLoanProductWith25PctDownPaymentAndDelinquencyBucket(true, true, true);
+
+ // Apply and Approve Loan
+ Long loanId = applyAndApproveLoan(clientId, loanProductId, "25 December 2022", 1500.0, 3,
+ req -> req.submittedOnDate("25 December 2022"));
+
+ // Disburse Loan
+ disburseLoan(loanId, BigDecimal.valueOf(1000.00), "25 December 2022");
+
+ // Loan delinquency data before backdated pause
+ verifyLoanDelinquencyData(loanId, 6, new InstallmentDelinquencyData(4, 10, BigDecimal.valueOf(250.0)));
+
+ // Create Delinquency Pause for the Loan in the past
+ PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
+ "27 January 2023", "15 February 2023");
+
+ List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
+ Assertions.assertNotNull(loanDelinquencyActions);
+ Assertions.assertEquals(1, loanDelinquencyActions.size());
+ Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
+ Assertions.assertEquals(LocalDate.parse("27 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
+ Assertions.assertEquals(LocalDate.parse("15 February 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
+
+ // Loan delinquency data calculation after backdated pause
+ verifyLoanDelinquencyData(loanId, 3, new InstallmentDelinquencyData(1, 3, BigDecimal.valueOf(250.0)));
+
+ // Validate Active Delinquency Pause Period on Loan
+ validateLoanDelinquencyPausePeriods(loanId, pausePeriods("27 January 2023", "15 February 2023", true));
});
}
@@ -265,6 +340,24 @@
return pausePeriod;
}
+ private void verifyLoanDelinquencyData(Long loanId, Integer loanLevelDelinquentDays,
+ InstallmentDelinquencyData... expectedInstallmentLevelInstallmentDelinquencyData) {
+ GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
+ Assertions.assertNotNull(loan.getDelinquent());
+ List<GetLoansLoanIdLoanInstallmentLevelDelinquency> installmentLevelDelinquency = loan.getDelinquent()
+ .getInstallmentLevelDelinquency();
+
+ assertThat(loan.getDelinquent().getDelinquentDays()).isEqualTo(loanLevelDelinquentDays);
+
+ assertThat(installmentLevelDelinquency.get(0).getMaximumAgeDays())
+ .isEqualTo(expectedInstallmentLevelInstallmentDelinquencyData[0].maxAgeDays);
+ assertThat(installmentLevelDelinquency.get(0).getMinimumAgeDays())
+ .isEqualTo(expectedInstallmentLevelInstallmentDelinquencyData[0].minAgeDays);
+ assertThat(installmentLevelDelinquency.get(0).getDelinquentAmount())
+ .isEqualByComparingTo(expectedInstallmentLevelInstallmentDelinquencyData[0].delinquentAmount);
+
+ }
+
private Long createLoanProductWith25PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) {
PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
product.setMultiDisburseLoan(multiDisburseEnabled);
@@ -294,4 +387,45 @@
return loanProductId;
}
+ private Long createLoanProductWith25PctDownPaymentAndDelinquencyBucket(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled,
+ boolean installmentLevelDelinquencyEnabled) {
+ // Create DelinquencyBuckets
+ Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(//
+ Pair.of(1, 3), //
+ Pair.of(4, 10), //
+ Pair.of(11, 60), //
+ Pair.of(61, null)//
+ ));
+ PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
+ product.setDelinquencyBucketId(delinquencyBucketId.longValue());
+ product.setMultiDisburseLoan(multiDisburseEnabled);
+ product.setEnableDownPayment(true);
+
+ product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE);
+ product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled);
+ product.setEnableInstallmentLevelDelinquency(installmentLevelDelinquencyEnabled);
+
+ PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+ GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper
+ .retrieveLoanProductById(loanProductResponse.getResourceId());
+
+ Long loanProductId = loanProductResponse.getResourceId();
+
+ assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment());
+ assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment());
+ assertEquals(0, getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE));
+ assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment());
+ assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan());
+ return loanProductId;
+
+ }
+
+ @AllArgsConstructor
+ public static class InstallmentDelinquencyData {
+
+ Integer minAgeDays;
+ Integer maxAgeDays;
+ BigDecimal delinquentAmount;
+ }
+
}
