| /** |
| * 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.Assert.assertEquals; |
| |
| import java.text.DateFormat; |
| import java.text.DecimalFormat; |
| import java.text.DecimalFormatSymbols; |
| import java.text.ParseException; |
| import java.text.SimpleDateFormat; |
| import java.util.ArrayList; |
| import java.util.Calendar; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.Locale; |
| |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.CommonConstants; |
| import org.apache.fineract.integrationtests.common.SchedulerJobHelper; |
| 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.JournalEntry; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper; |
| import org.apache.fineract.integrationtests.common.accounting.PeriodicAccrualAccountingHelper; |
| import org.apache.fineract.integrationtests.common.charges.ChargesHelper; |
| import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositAccountHelper; |
| import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositAccountStatusChecker; |
| import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositProductHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanStatusChecker; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositAccountHelper; |
| import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositAccountStatusChecker; |
| import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositProductHelper; |
| import org.apache.fineract.integrationtests.common.savings.SavingsAccountHelper; |
| import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper; |
| import org.apache.fineract.integrationtests.common.savings.SavingsStatusChecker; |
| import org.joda.time.Days; |
| import org.joda.time.LocalDate; |
| import org.junit.Assert; |
| import org.junit.Before; |
| import org.junit.Test; |
| |
| import com.jayway.restassured.builder.RequestSpecBuilder; |
| import com.jayway.restassured.builder.ResponseSpecBuilder; |
| import com.jayway.restassured.http.ContentType; |
| import com.jayway.restassured.specification.RequestSpecification; |
| import com.jayway.restassured.specification.ResponseSpecification; |
| |
| @SuppressWarnings({ "unused", "rawtypes", "unchecked", "static-access" }) |
| public class AccountingScenarioIntegrationTest { |
| |
| private static RequestSpecification requestSpec; |
| private static ResponseSpecification responseSpec; |
| |
| private final String DATE_OF_JOINING = "01 January 2011"; |
| |
| private final Float LP_PRINCIPAL = 10000.0f; |
| private final String LP_REPAYMENTS = "5"; |
| private final String LP_REPAYMENT_PERIOD = "2"; |
| private final String LP_INTEREST_RATE = "1"; |
| private final String EXPECTED_DISBURSAL_DATE = "04 March 2011"; |
| private final String LOAN_APPLICATION_SUBMISSION_DATE = "3 March 2011"; |
| private final String TRANSACTION_DATE = "01 March 2013"; |
| private final String LOAN_TERM_FREQUENCY = "10"; |
| private final String INDIVIDUAL_LOAN = "individual"; |
| public static final String ACCOUNT_TYPE_INDIVIDUAL = "INDIVIDUAL"; |
| public static final String MINIMUM_OPENING_BALANCE = "1000.0"; |
| public static final String DEPOSIT_AMOUNT = "7000"; |
| public static final String WITHDRAWAL_AMOUNT = "3000"; |
| public static final String WITHDRAWAL_AMOUNT_ADJUSTED = "2000"; |
| |
| Float SP_BALANCE = new Float(MINIMUM_OPENING_BALANCE); |
| Float SP_DEPOSIT_AMOUNT = new Float(DEPOSIT_AMOUNT); |
| Float SP_WITHDRAWAL_AMOUNT = new Float(WITHDRAWAL_AMOUNT); |
| Float SP_WITHDRAWAL_AMOUNT_ADJUSTED = new Float(WITHDRAWAL_AMOUNT_ADJUSTED); |
| |
| private final String REPAYMENT_DATE[] = { "", "04 May 2011", "04 July 2011", "04 September 2011", "04 November 2011", "04 January 2012" }; |
| private final Float REPAYMENT_AMOUNT[] = { .0f, 2200.0f, 3000.0f, 900.0f, 2000.0f, 2500.0f }; |
| |
| private final Float AMOUNT_TO_BE_WAIVE = 400.0f; |
| private LoanTransactionHelper loanTransactionHelper; |
| private AccountHelper accountHelper; |
| private JournalEntryHelper journalEntryHelper; |
| private SavingsAccountHelper savingsAccountHelper; |
| private FixedDepositProductHelper fixedDepositProductHelper; |
| private FixedDepositAccountHelper fixedDepositAccountHelper; |
| private RecurringDepositProductHelper recurringDepositProductHelper; |
| private RecurringDepositAccountHelper recurringDepositAccountHelper; |
| private SchedulerJobHelper schedulerJobHelper; |
| private PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper; |
| |
| @Before |
| 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.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec); |
| this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec, this.responseSpec); |
| this.periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(this.requestSpec, this.responseSpec); |
| } |
| |
| @Test |
| public void checkUpfrontAccrualAccountingFlow() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithUpfrontAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(TOTAL_INTEREST, JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry); |
| System.out.println("CHECKING INCOME: ******************************************"); |
| final JournalEntry incomeJournalEntry = new JournalEntry(TOTAL_INTEREST, JournalEntry.TransactionType.CREDIT); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.EXPECTED_DISBURSAL_DATE, incomeJournalEntry); |
| |
| // MAKE 1 |
| System.out.println("Repayment 1 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID); |
| final float FIRST_INTEREST = 200.0f; |
| final float FIRST_PRINCIPAL = 2000.0f; |
| float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID); |
| final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(FIRST_INTEREST, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry); |
| System.out.println("Repayment 1 Done......"); |
| |
| // REPAYMENT 2 |
| System.out.println("Repayment 2 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID); |
| final float SECOND_AND_THIRD_INTEREST = 400.0f; |
| final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID); |
| final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry); |
| System.out.println("Repayment 2 Done ......"); |
| |
| // WAIVE INTEREST |
| System.out.println("Waive Interest ......"); |
| this.loanTransactionHelper.waiveInterest(this.REPAYMENT_DATE[4], this.AMOUNT_TO_BE_WAIVE.toString(), loanID); |
| |
| final JournalEntry waivedEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.CREDIT); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], waivedEntry); |
| |
| final JournalEntry expenseJournalEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.DEBIT); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, this.REPAYMENT_DATE[4], expenseJournalEntry); |
| System.out.println("Waive Interest Done......"); |
| |
| // REPAYMENT 3 |
| System.out.println("Repayment 3 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) }; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry); |
| System.out.println("Repayment 3 Done ......"); |
| |
| // REPAYMENT 4 |
| System.out.println("Repayment 4 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID); |
| final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry); |
| System.out.println("Repayment 4 Done ......"); |
| |
| // Repayment 5 |
| System.out.println("Repayment 5 ......"); |
| final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) }; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID); |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry); |
| System.out.println("Repayment 5 Done ......"); |
| } |
| |
| private Integer createLoanProductWithUpfrontAccrualAccountingEnabled(final Account... accounts) { |
| System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth() |
| .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths() |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRuleUpfrontAccrual(accounts) |
| .build(null); |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID) { |
| System.out.println("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()) |
| .withLoanTermFrequency(this.LOAN_TERM_FREQUENCY).withLoanTermFrequencyAsMonths().withNumberOfRepayments(this.LP_REPAYMENTS) |
| .withRepaymentEveryAfter(this.LP_REPAYMENT_PERIOD).withRepaymentFrequencyTypeAsMonths() |
| .withInterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestTypeAsFlatBalance() |
| .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod() |
| .withExpectedDisbursementDate(this.EXPECTED_DISBURSAL_DATE).withSubmittedOnDate(this.LOAN_APPLICATION_SUBMISSION_DATE) |
| .withLoanType(this.INDIVIDUAL_LOAN).build(clientID.toString(), loanProductID.toString(), null); |
| return this.loanTransactionHelper.getLoanId(loanApplicationJSON); |
| } |
| |
| @Test |
| public void checkAccountingWithSavingsFlow() { |
| this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec); |
| |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account liabilityAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer savingsProductID = createSavingsProduct(MINIMUM_OPENING_BALANCE, assetAccount, incomeAccount, expenseAccount, |
| liabilityAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer savingsID = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL); |
| |
| HashMap savingsStatusHashMap = SavingsStatusChecker.getStatusOfSavings(this.requestSpec, this.responseSpec, savingsID); |
| SavingsStatusChecker.verifySavingsIsPending(savingsStatusHashMap); |
| |
| savingsStatusHashMap = this.savingsAccountHelper.approveSavings(savingsID); |
| SavingsStatusChecker.verifySavingsIsApproved(savingsStatusHashMap); |
| |
| savingsStatusHashMap = this.savingsAccountHelper.activateSavings(savingsID); |
| SavingsStatusChecker.verifySavingsIsActive(savingsStatusHashMap); |
| |
| // Checking initial Account entries. |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.SP_BALANCE, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(this.SP_BALANCE, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountInitialEntry); |
| this.journalEntryHelper |
| .checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE, liablilityAccountInitialEntry); |
| |
| // First Transaction-Deposit |
| this.savingsAccountHelper.depositToSavingsAccount(savingsID, DEPOSIT_AMOUNT, SavingsAccountHelper.TRANSACTION_DATE, |
| CommonConstants.RESPONSE_RESOURCE_ID); |
| Float balance = SP_BALANCE + SP_DEPOSIT_AMOUNT; |
| HashMap summary = this.savingsAccountHelper.getSavingsSummary(savingsID); |
| assertEquals("Verifying Balance after Deposit", balance, summary.get("accountBalance")); |
| |
| System.out.println("----------------------Verifying Journal Entry after the Transaction Deposit----------------------------"); |
| final JournalEntry[] assetAccountFirstTransactionEntry = { new JournalEntry(this.SP_DEPOSIT_AMOUNT, |
| JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liabililityAccountFirstTransactionEntry = { new JournalEntry(this.SP_DEPOSIT_AMOUNT, |
| JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountFirstTransactionEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE, |
| liabililityAccountFirstTransactionEntry); |
| |
| // Second Transaction-Withdrawal |
| this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsID, WITHDRAWAL_AMOUNT, SavingsAccountHelper.TRANSACTION_DATE, |
| CommonConstants.RESPONSE_RESOURCE_ID); |
| balance -= SP_WITHDRAWAL_AMOUNT; |
| summary = this.savingsAccountHelper.getSavingsSummary(savingsID); |
| assertEquals("Verifying Balance after Withdrawal", balance, summary.get("accountBalance")); |
| |
| System.out.println("-------------------Verifying Journal Entry after the Transaction Withdrawal----------------------"); |
| final JournalEntry[] assetAccountSecondTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT, |
| JournalEntry.TransactionType.CREDIT) }; |
| final JournalEntry[] liabililityAccountSecondTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT, |
| JournalEntry.TransactionType.DEBIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountSecondTransactionEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE, |
| liabililityAccountSecondTransactionEntry); |
| |
| // Third Transaction-Add Charges for Withdrawal Fee |
| final Integer withdrawalChargeId = ChargesHelper.createCharges(this.requestSpec, this.responseSpec, |
| ChargesHelper.getSavingsWithdrawalFeeJSON()); |
| Assert.assertNotNull(withdrawalChargeId); |
| |
| this.savingsAccountHelper.addChargesForSavings(savingsID, withdrawalChargeId); |
| ArrayList<HashMap> chargesPendingState = this.savingsAccountHelper.getSavingsCharges(savingsID); |
| Assert.assertEquals(1, chargesPendingState.size()); |
| HashMap savingsChargeForPay = chargesPendingState.get(0); |
| HashMap paidCharge = this.savingsAccountHelper.getSavingsCharge(savingsID, (Integer) savingsChargeForPay.get("id")); |
| Float chargeAmount = (Float) paidCharge.get("amount"); |
| |
| // Withdrawal after adding Charge of type Withdrawal Fee |
| this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsID, WITHDRAWAL_AMOUNT_ADJUSTED, |
| SavingsAccountHelper.TRANSACTION_DATE, CommonConstants.RESPONSE_RESOURCE_ID); |
| summary = this.savingsAccountHelper.getSavingsSummary(savingsID); |
| balance = balance - SP_WITHDRAWAL_AMOUNT_ADJUSTED - chargeAmount; |
| |
| final JournalEntry[] liabililityAccountThirdTransactionEntry = { |
| new JournalEntry(chargeAmount, JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.SP_WITHDRAWAL_AMOUNT_ADJUSTED, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] assetAccountThirdTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT_ADJUSTED, |
| JournalEntry.TransactionType.CREDIT) }; |
| final JournalEntry[] incomeAccountThirdTransactionEntry = { new JournalEntry(chargeAmount, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountThirdTransactionEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE, |
| liabililityAccountThirdTransactionEntry); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.TRANSACTION_DATE, incomeAccountThirdTransactionEntry); |
| |
| // Verifying Balance after applying Charge for Withdrawal Fee |
| assertEquals("Verifying Balance", balance, summary.get("accountBalance")); |
| } |
| |
| @Test |
| public void testFixedDepositAccountingFlow() { |
| this.fixedDepositProductHelper = new FixedDepositProductHelper(this.requestSpec, this.responseSpec); |
| this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec); |
| this.fixedDepositAccountHelper = new FixedDepositAccountHelper(this.requestSpec, this.responseSpec); |
| |
| DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US); |
| DateFormat currentDateFormat = new SimpleDateFormat("dd"); |
| |
| Calendar todaysDate = Calendar.getInstance(); |
| todaysDate.add(Calendar.MONTH, -3); |
| final String VALID_FROM = dateFormat.format(todaysDate.getTime()); |
| todaysDate.add(Calendar.YEAR, 10); |
| final String VALID_TO = dateFormat.format(todaysDate.getTime()); |
| |
| todaysDate = Calendar.getInstance(); |
| todaysDate.add(Calendar.MONTH, -1); |
| final String SUBMITTED_ON_DATE = dateFormat.format(todaysDate.getTime()); |
| final String APPROVED_ON_DATE = dateFormat.format(todaysDate.getTime()); |
| final String ACTIVATION_DATE = dateFormat.format(todaysDate.getTime()); |
| |
| Integer currentDate = new Integer(currentDateFormat.format(todaysDate.getTime())); |
| Integer daysInMonth = todaysDate.getActualMaximum(Calendar.DATE); |
| Integer numberOfDaysLeft = (daysInMonth - currentDate) + 1; |
| todaysDate.add(Calendar.DATE, numberOfDaysLeft); |
| final String INTEREST_POSTED_DATE = dateFormat.format(todaysDate.getTime()); |
| |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account liabilityAccount = this.accountHelper.createLiabilityAccount(); |
| |
| Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec); |
| Assert.assertNotNull(clientId); |
| |
| Integer fixedDepositProductId = createFixedDepositProduct(VALID_FROM, VALID_TO, assetAccount, incomeAccount, expenseAccount, |
| liabilityAccount); |
| Assert.assertNotNull(fixedDepositProductId); |
| |
| Integer fixedDepositAccountId = applyForFixedDepositApplication(clientId.toString(), fixedDepositProductId.toString(), VALID_FROM, |
| VALID_TO, SUBMITTED_ON_DATE, FixedDepositTest.WHOLE_TERM); |
| Assert.assertNotNull(fixedDepositAccountId); |
| |
| HashMap fixedDepositAccountStatusHashMap = FixedDepositAccountStatusChecker.getStatusOfFixedDepositAccount(this.requestSpec, |
| this.responseSpec, fixedDepositAccountId.toString()); |
| FixedDepositAccountStatusChecker.verifyFixedDepositIsPending(fixedDepositAccountStatusHashMap); |
| |
| fixedDepositAccountStatusHashMap = this.fixedDepositAccountHelper.approveFixedDeposit(fixedDepositAccountId, APPROVED_ON_DATE); |
| FixedDepositAccountStatusChecker.verifyFixedDepositIsApproved(fixedDepositAccountStatusHashMap); |
| |
| fixedDepositAccountStatusHashMap = this.fixedDepositAccountHelper.activateFixedDeposit(fixedDepositAccountId, ACTIVATION_DATE); |
| FixedDepositAccountStatusChecker.verifyFixedDepositIsActive(fixedDepositAccountStatusHashMap); |
| |
| HashMap accountSummary = this.fixedDepositAccountHelper.getFixedDepositSummary(fixedDepositAccountId); |
| |
| Float depositAmount = (Float) accountSummary.get("totalDeposits"); |
| |
| // Checking initial Journal entries after Activation. |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, ACTIVATION_DATE, assetAccountInitialEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, ACTIVATION_DATE, liablilityAccountInitialEntry); |
| |
| Integer transactionIdForPostInterest = this.fixedDepositAccountHelper.postInterestForFixedDeposit(fixedDepositAccountId); |
| Assert.assertNotNull(transactionIdForPostInterest); |
| |
| accountSummary = this.fixedDepositAccountHelper.getFixedDepositSummary(fixedDepositAccountId); |
| Float totalInterestPosted = (Float) accountSummary.get("totalInterestPosted"); |
| |
| // Checking initial Journal entries after Interest Posting. |
| final JournalEntry[] expenseAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liablilityAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(expenseAccount, INTEREST_POSTED_DATE, expenseAccountEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, INTEREST_POSTED_DATE, liablilityAccountEntry); |
| |
| } |
| |
| @Test |
| public void testRecurringDepositAccountingFlow() { |
| this.recurringDepositProductHelper = new RecurringDepositProductHelper(this.requestSpec, this.responseSpec); |
| this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| this.recurringDepositAccountHelper = new RecurringDepositAccountHelper(this.requestSpec, this.responseSpec); |
| |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account liabilityAccount = this.accountHelper.createLiabilityAccount(); |
| |
| DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US); |
| DateFormat currentDateFormat = new SimpleDateFormat("dd"); |
| |
| Calendar todaysDate = Calendar.getInstance(); |
| todaysDate.add(Calendar.MONTH, -3); |
| final String VALID_FROM = dateFormat.format(todaysDate.getTime()); |
| todaysDate.add(Calendar.YEAR, 10); |
| final String VALID_TO = dateFormat.format(todaysDate.getTime()); |
| |
| todaysDate = Calendar.getInstance(); |
| todaysDate.add(Calendar.MONTH, -1); |
| final String SUBMITTED_ON_DATE = dateFormat.format(todaysDate.getTime()); |
| final String APPROVED_ON_DATE = dateFormat.format(todaysDate.getTime()); |
| final String ACTIVATION_DATE = dateFormat.format(todaysDate.getTime()); |
| final String EXPECTED_FIRST_DEPOSIT_ON_DATE = dateFormat.format(todaysDate.getTime()); |
| |
| Integer currentDate = new Integer(currentDateFormat.format(todaysDate.getTime())); |
| Integer daysInMonth = todaysDate.getActualMaximum(Calendar.DATE); |
| Integer numberOfDaysLeft = (daysInMonth - currentDate) + 1; |
| todaysDate.add(Calendar.DATE, numberOfDaysLeft); |
| final String INTEREST_POSTED_DATE = dateFormat.format(todaysDate.getTime()); |
| |
| Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec); |
| Assert.assertNotNull(clientId); |
| |
| Integer recurringDepositProductId = createRecurringDepositProduct(VALID_FROM, VALID_TO, assetAccount, liabilityAccount, |
| incomeAccount, expenseAccount); |
| Assert.assertNotNull(recurringDepositProductId); |
| |
| Integer recurringDepositAccountId = applyForRecurringDepositApplication(clientId.toString(), recurringDepositProductId.toString(), |
| VALID_FROM, VALID_TO, SUBMITTED_ON_DATE, RecurringDepositTest.WHOLE_TERM, EXPECTED_FIRST_DEPOSIT_ON_DATE); |
| Assert.assertNotNull(recurringDepositAccountId); |
| |
| HashMap recurringDepositAccountStatusHashMap = RecurringDepositAccountStatusChecker.getStatusOfRecurringDepositAccount( |
| this.requestSpec, this.responseSpec, recurringDepositAccountId.toString()); |
| RecurringDepositAccountStatusChecker.verifyRecurringDepositIsPending(recurringDepositAccountStatusHashMap); |
| |
| recurringDepositAccountStatusHashMap = this.recurringDepositAccountHelper.approveRecurringDeposit(recurringDepositAccountId, |
| APPROVED_ON_DATE); |
| RecurringDepositAccountStatusChecker.verifyRecurringDepositIsApproved(recurringDepositAccountStatusHashMap); |
| |
| recurringDepositAccountStatusHashMap = this.recurringDepositAccountHelper.activateRecurringDeposit(recurringDepositAccountId, |
| ACTIVATION_DATE); |
| RecurringDepositAccountStatusChecker.verifyRecurringDepositIsActive(recurringDepositAccountStatusHashMap); |
| |
| HashMap recurringDepositAccountData = this.recurringDepositAccountHelper.getRecurringDepositAccountById(this.requestSpec, |
| this.responseSpec, recurringDepositAccountId); |
| Float depositAmount = (Float) recurringDepositAccountData.get("mandatoryRecommendedDepositAmount"); |
| |
| Integer depositTransactionId = this.recurringDepositAccountHelper.depositToRecurringDepositAccount(recurringDepositAccountId, |
| depositAmount, EXPECTED_FIRST_DEPOSIT_ON_DATE); |
| Assert.assertNotNull(depositTransactionId); |
| |
| // Checking initial Journal entries after Activation. |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, EXPECTED_FIRST_DEPOSIT_ON_DATE, assetAccountInitialEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, EXPECTED_FIRST_DEPOSIT_ON_DATE, |
| liablilityAccountInitialEntry); |
| |
| Integer interestPostingTransactionId = this.recurringDepositAccountHelper |
| .postInterestForRecurringDeposit(recurringDepositAccountId); |
| Assert.assertNotNull(interestPostingTransactionId); |
| |
| HashMap accountSummary = this.recurringDepositAccountHelper.getRecurringDepositSummary(recurringDepositAccountId); |
| Float totalInterestPosted = (Float) accountSummary.get("totalInterestPosted"); |
| |
| // Checking initial Journal entries after Interest Posting. |
| final JournalEntry[] expenseAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.DEBIT) }; |
| final JournalEntry[] liablilityAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(expenseAccount, INTEREST_POSTED_DATE, expenseAccountEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, INTEREST_POSTED_DATE, liablilityAccountEntry); |
| |
| } |
| |
| public static Integer createSavingsProduct(final String minOpenningBalance, final Account... accounts) { |
| System.out.println("------------------------------CREATING NEW SAVINGS PRODUCT ---------------------------------------"); |
| final String savingsProductJSON = new SavingsProductHelper().withInterestCompoundingPeriodTypeAsDaily() // |
| .withInterestPostingPeriodTypeAsQuarterly() // |
| .withInterestCalculationPeriodTypeAsDailyBalance() // |
| .withMinimumOpenningBalance(minOpenningBalance).withAccountingRuleAsCashBased(accounts).build(); |
| return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec); |
| } |
| |
| private Integer createFixedDepositProduct(final String validFrom, final String validTo, Account... accounts) { |
| System.out.println("------------------------------CREATING NEW FIXED DEPOSIT PRODUCT ---------------------------------------"); |
| FixedDepositProductHelper fixedDepositProductHelper = new FixedDepositProductHelper(this.requestSpec, this.responseSpec); |
| final String fixedDepositProductJSON = fixedDepositProductHelper // |
| .withAccountingRuleAsCashBased(accounts).build(validFrom, validTo); |
| return FixedDepositProductHelper.createFixedDepositProduct(fixedDepositProductJSON, requestSpec, responseSpec); |
| } |
| |
| private Integer applyForFixedDepositApplication(final String clientID, final String productID, final String validFrom, |
| final String validTo, final String submittedOnDate, final String penalInterestType) { |
| System.out.println("--------------------------------APPLYING FOR FIXED DEPOSIT ACCOUNT --------------------------------"); |
| final String fixedDepositApplicationJSON = new FixedDepositAccountHelper(this.requestSpec, this.responseSpec) // |
| .withSubmittedOnDate(submittedOnDate).build(clientID, productID, validFrom, validTo, penalInterestType); |
| return this.fixedDepositAccountHelper |
| .applyFixedDepositApplication(fixedDepositApplicationJSON, this.requestSpec, this.responseSpec); |
| } |
| |
| private Integer createRecurringDepositProduct(final String validFrom, final String validTo, Account... accounts) { |
| System.out.println("------------------------------CREATING NEW RECURRING DEPOSIT PRODUCT ---------------------------------------"); |
| RecurringDepositProductHelper recurringDepositProductHelper = new RecurringDepositProductHelper(this.requestSpec, this.responseSpec); |
| final String recurringDepositProductJSON = recurringDepositProductHelper // |
| .withAccountingRuleAsCashBased(accounts).build(validFrom, validTo); |
| return RecurringDepositProductHelper.createRecurringDepositProduct(recurringDepositProductJSON, requestSpec, responseSpec); |
| } |
| |
| private Integer applyForRecurringDepositApplication(final String clientID, final String productID, final String validFrom, |
| final String validTo, final String submittedOnDate, final String penalInterestType, final String expectedFirstDepositOnDate) { |
| System.out.println("--------------------------------APPLYING FOR RECURRING DEPOSIT ACCOUNT --------------------------------"); |
| final String recurringDepositApplicationJSON = new RecurringDepositAccountHelper(this.requestSpec, this.responseSpec) |
| // |
| .withSubmittedOnDate(submittedOnDate).withExpectedFirstDepositOnDate(expectedFirstDepositOnDate) |
| .build(clientID, productID, validFrom, validTo, penalInterestType); |
| return this.recurringDepositAccountHelper.applyRecurringDepositApplication(recurringDepositApplicationJSON, this.requestSpec, |
| this.responseSpec); |
| } |
| |
| @Test |
| public void checkPeriodicAccrualAccountingFlow() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry); |
| |
| final String jobName = "Add Accrual Transactions"; |
| try { |
| this.schedulerJobHelper.executeJob(jobName); |
| } catch (InterruptedException e) { |
| e.printStackTrace(); |
| } |
| |
| // MAKE 1 |
| System.out.println("Repayment 1 ......"); |
| final float FIRST_INTEREST = 200.0f; |
| final float FIRST_PRINCIPAL = 2000.0f; |
| final float FEE_PORTION = 0.0f; |
| final float PENALTY_PORTION = 0.0f; |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[1]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID); |
| float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID); |
| final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(FIRST_INTEREST, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry); |
| System.out.println("Repayment 1 Done......"); |
| |
| // REPAYMENT 2 |
| System.out.println("Repayment 2 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID); |
| final float SECOND_AND_THIRD_INTEREST = 400.0f; |
| final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[2]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[3]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID); |
| final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry); |
| System.out.println("Repayment 2 Done ......"); |
| |
| // WAIVE INTEREST |
| System.out.println("Waive Interest ......"); |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[4]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[5]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.waiveInterest(this.REPAYMENT_DATE[4], this.AMOUNT_TO_BE_WAIVE.toString(), loanID); |
| |
| final JournalEntry waivedEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.CREDIT); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], waivedEntry); |
| |
| final JournalEntry expenseJournalEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.DEBIT); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, this.REPAYMENT_DATE[4], expenseJournalEntry); |
| System.out.println("Waive Interest Done......"); |
| |
| // REPAYMENT 3 |
| System.out.println("Repayment 3 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) }; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry); |
| System.out.println("Repayment 3 Done ......"); |
| |
| // REPAYMENT 4 |
| System.out.println("Repayment 4 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID); |
| final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry); |
| System.out.println("Repayment 4 Done ......"); |
| |
| // Repayment 5 |
| System.out.println("Repayment 5 ......"); |
| final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) }; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID); |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry); |
| System.out.println("Repayment 5 Done ......"); |
| } |
| |
| @Test |
| public void checkPeriodicAccrualAccountingFlow_OVER_PAYMENT() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry); |
| |
| final String jobName = "Add Accrual Transactions"; |
| try { |
| this.schedulerJobHelper.executeJob(jobName); |
| } catch (InterruptedException e) { |
| e.printStackTrace(); |
| } |
| |
| // MAKE 1 |
| System.out.println("Repayment 1 ......"); |
| final float FIRST_INTEREST = 200.0f; |
| final float FIRST_PRINCIPAL = 2000.0f; |
| final float FEE_PORTION = 0.0f; |
| final float PENALTY_PORTION = 0.0f; |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[1]), FIRST_INTEREST, |
| FEE_PORTION, PENALTY_PORTION, loanID); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], 15000f, loanID); |
| float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID); |
| final JournalEntry[] assetAccountEntry = { new JournalEntry(15000f, JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(1000f, JournalEntry.TransactionType.CREDIT), new JournalEntry(10000f, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountEntry); |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, this.REPAYMENT_DATE[1], new JournalEntry(4000f, |
| JournalEntry.TransactionType.CREDIT)); |
| System.out.println("Repayment Done......"); |
| |
| } |
| |
| @Test |
| public void checkPeriodicAccrualAccountingTillCurrentDateFlow() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| final float FEE_PORTION = 50.0f; |
| final float PENALTY_PORTION = 100.0f; |
| Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false)); |
| Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON( |
| ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true)); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US); |
| |
| Calendar todayDate = Calendar.getInstance(); |
| final String currentDate = dateFormat.format(todayDate.getTime()); |
| |
| todayDate.add(Calendar.DATE, -4); |
| |
| final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todayDate.getTime()); |
| |
| todayDate.add(Calendar.MONTH, 2); |
| final String FIRST_REPAYMENT_DATE = dateFormat.format(todayDate.getTime()); |
| |
| todayDate = Calendar.getInstance(); |
| todayDate.add(Calendar.DATE, -2); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| this.loanTransactionHelper.addChargesForLoan( |
| loanID, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), |
| dateFormat.format(todayDate.getTime()), String.valueOf(PENALTY_PORTION))); |
| todayDate.add(Calendar.DATE, 1); |
| this.loanTransactionHelper.addChargesForLoan(loanID, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(flat), dateFormat.format(todayDate.getTime()), String.valueOf(FEE_PORTION))); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, LOAN_DISBURSEMENT_DATE, assetAccountInitialEntry); |
| |
| final String jobName = "Add Periodic Accrual Transactions"; |
| try { |
| this.schedulerJobHelper.executeJob(jobName); |
| } catch (InterruptedException e) { |
| e.printStackTrace(); |
| } |
| |
| final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, |
| loanID); |
| // MAKE 1 |
| List fromDateList = (List) loanSchedule.get(1).get("fromDate"); |
| LocalDate fromDateLocal = LocalDate.now(); |
| fromDateLocal = fromDateLocal.withYear((int) fromDateList.get(0)); |
| fromDateLocal = fromDateLocal.withMonthOfYear((int) fromDateList.get(1)); |
| fromDateLocal = fromDateLocal.withDayOfMonth((int) fromDateList.get(2)); |
| |
| List dueDateList = (List) loanSchedule.get(1).get("dueDate"); |
| LocalDate dueDateLocal = LocalDate.now(); |
| dueDateLocal = dueDateLocal.withYear((int) dueDateList.get(0)); |
| dueDateLocal = dueDateLocal.withMonthOfYear((int) dueDateList.get(1)); |
| dueDateLocal = dueDateLocal.withDayOfMonth((int) dueDateList.get(2)); |
| |
| int totalDaysInPeriod = Days.daysBetween(fromDateLocal, dueDateLocal).getDays(); |
| |
| float totalInterest = (float) loanSchedule.get(1).get("interestOriginalDue"); |
| DecimalFormat numberFormat = new DecimalFormat("#.00", new DecimalFormatSymbols(Locale.US)); |
| float INTEREST_4_DAYS = totalInterest / totalDaysInPeriod * 4; |
| INTEREST_4_DAYS = new Float(numberFormat.format(INTEREST_4_DAYS)); |
| |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(currentDate), INTEREST_4_DAYS, FEE_PORTION, |
| PENALTY_PORTION, loanID); |
| |
| } |
| |
| @Test |
| public void checkPeriodicAccrualAccountingAPIFlow() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| final float FEE_PORTION = 50.0f; |
| final float PENALTY_PORTION = 100.0f; |
| final float NEXT_FEE_PORTION = 55.0f; |
| final float NEXT_PENALTY_PORTION = 105.0f; |
| |
| Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false)); |
| Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON( |
| ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true)); |
| |
| Integer flatNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON( |
| ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_FEE_PORTION), false)); |
| Integer flatSpecifiedDueDateNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper |
| .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_PENALTY_PORTION), true)); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US); |
| |
| Calendar todayDate = Calendar.getInstance(); |
| final String currentDate = dateFormat.format(todayDate.getTime()); |
| |
| todayDate.add(Calendar.DATE, -4); |
| |
| final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todayDate.getTime()); |
| |
| todayDate.add(Calendar.MONTH, 2); |
| final String FIRST_REPAYMENT_DATE = dateFormat.format(todayDate.getTime()); |
| |
| todayDate = Calendar.getInstance(); |
| todayDate.add(Calendar.DATE, -2); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| this.loanTransactionHelper.addChargesForLoan( |
| loanID, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate), |
| dateFormat.format(todayDate.getTime()), String.valueOf(PENALTY_PORTION))); |
| todayDate.add(Calendar.DATE, 1); |
| String runOndate = dateFormat.format(todayDate.getTime()); |
| |
| this.loanTransactionHelper |
| .addChargesForLoan( |
| loanID, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flat), runOndate, |
| String.valueOf(FEE_PORTION))); |
| |
| todayDate.add(Calendar.DATE, 1); |
| this.loanTransactionHelper.addChargesForLoan( |
| loanID, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDateNext), |
| dateFormat.format(todayDate.getTime()), String.valueOf(NEXT_PENALTY_PORTION))); |
| |
| this.loanTransactionHelper.addChargesForLoan( |
| loanID, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatNext), |
| dateFormat.format(todayDate.getTime()), String.valueOf(NEXT_FEE_PORTION))); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, LOAN_DISBURSEMENT_DATE, assetAccountInitialEntry); |
| |
| this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOndate); |
| |
| final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, |
| loanID); |
| // MAKE 1 |
| List fromDateList = (List) loanSchedule.get(1).get("fromDate"); |
| LocalDate fromDateLocal = LocalDate.now(); |
| fromDateLocal = fromDateLocal.withYear((int) fromDateList.get(0)); |
| fromDateLocal = fromDateLocal.withMonthOfYear((int) fromDateList.get(1)); |
| fromDateLocal = fromDateLocal.withDayOfMonth((int) fromDateList.get(2)); |
| |
| List dueDateList = (List) loanSchedule.get(1).get("dueDate"); |
| LocalDate dueDateLocal = LocalDate.now(); |
| dueDateLocal = dueDateLocal.withYear((int) dueDateList.get(0)); |
| dueDateLocal = dueDateLocal.withMonthOfYear((int) dueDateList.get(1)); |
| dueDateLocal = dueDateLocal.withDayOfMonth((int) dueDateList.get(2)); |
| |
| int totalDaysInPeriod = Days.daysBetween(fromDateLocal, dueDateLocal).getDays(); |
| |
| float totalInterest = (float) loanSchedule.get(1).get("interestOriginalDue"); |
| DecimalFormat numberFormat = new DecimalFormat("#.00", new DecimalFormatSymbols(Locale.US)); |
| float INTEREST_3_DAYS = totalInterest / totalDaysInPeriod * 3; |
| INTEREST_3_DAYS = new Float(numberFormat.format(INTEREST_3_DAYS)); |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(runOndate), INTEREST_3_DAYS, FEE_PORTION, |
| PENALTY_PORTION, loanID); |
| |
| runOndate = dateFormat.format(todayDate.getTime()); |
| |
| this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOndate); |
| float interestPerDay = (totalInterest / totalDaysInPeriod * 4) - INTEREST_3_DAYS; |
| interestPerDay = new Float(numberFormat.format(interestPerDay)); |
| this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(runOndate), interestPerDay, NEXT_FEE_PORTION, |
| NEXT_PENALTY_PORTION, loanID); |
| |
| } |
| |
| private Integer createLoanProductWithPeriodicAccrualAccountingEnabled(final Account... accounts) { |
| System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth() |
| .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths() |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts) |
| .withDaysInMonth("30").withDaysInYear("365").build(null); |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| @Test |
| public void checkCashBasedAccountingFlow() { |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| final Integer loanProductID = createLoanProductWithCashBasedAccountingEnabled(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID); |
| |
| HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID); |
| LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap); |
| LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap); |
| |
| loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID); |
| LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap); |
| |
| // CHECK ACCOUNT ENTRIES |
| System.out.println("Entries ......"); |
| final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f; |
| final float TOTAL_INTEREST = 1000.0f; |
| final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT), |
| new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry); |
| |
| // MAKE 1 |
| System.out.println("Repayment 1 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID); |
| final float FIRST_INTEREST = 200.0f; |
| final float FIRST_PRINCIPAL = 2000.0f; |
| float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID); |
| final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry); |
| System.out.println("CHECKING INCOME: ******************************************"); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.REPAYMENT_DATE[1], new JournalEntry(FIRST_INTEREST, |
| JournalEntry.TransactionType.CREDIT)); |
| System.out.println("Repayment 1 Done......"); |
| |
| // REPAYMENT 2 |
| System.out.println("Repayment 2 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID); |
| final float SECOND_AND_THIRD_INTEREST = 400.0f; |
| final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID); |
| final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry); |
| System.out.println("CHECKING INCOME: ******************************************"); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.REPAYMENT_DATE[2], new JournalEntry( |
| SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT)); |
| System.out.println("Repayment 2 Done ......"); |
| |
| // WAIVE INTEREST |
| System.out.println("Waive Interest ......"); |
| Integer transactionId = this.loanTransactionHelper.waiveInterestAndReturnTransactionId(this.REPAYMENT_DATE[4], |
| this.AMOUNT_TO_BE_WAIVE.toString(), loanID); |
| // waive of fees and interest are not considered in cash based |
| // accounting, |
| this.journalEntryHelper.ensureNoAccountingTransactionsWithTransactionId("L" + transactionId); |
| |
| // REPAYMENT 3 |
| System.out.println("Repayment 3 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) }; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry); |
| System.out.println("Repayment 3 Done ......"); |
| |
| // REPAYMENT 4 |
| System.out.println("Repayment 4 ......"); |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID); |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID); |
| final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) }; |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry); |
| System.out.println("Repayment 4 Done ......"); |
| |
| // Repayment 5 |
| System.out.println("Repayment 5 ......"); |
| final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT), |
| new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) }; |
| expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD; |
| this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID); |
| this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry); |
| System.out.println("Repayment 5 Done ......"); |
| } |
| |
| private Integer createLoanProductWithCashBasedAccountingEnabled(final Account... accounts) { |
| System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth() |
| .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths() |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRuleAsCashBased(accounts).build(null); |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private LocalDate getDateAsLocalDate(String dateAsString) { |
| LocalDate date = null; |
| try { |
| DateFormat df = new SimpleDateFormat("dd MMMM yyyy", Locale.US); |
| date = new LocalDate(df.parse(dateAsString)); |
| } catch (ParseException e) { |
| e.printStackTrace(); |
| } |
| return date; |
| } |
| |
| } |
