| /** |
| * 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 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.math.BigDecimal; |
| import java.util.ArrayList; |
| import java.util.Arrays; |
| import java.util.HashMap; |
| import java.util.List; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.CollateralManagementHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| 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.junit.jupiter.api.Assertions; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| import org.slf4j.Logger; |
| import org.slf4j.LoggerFactory; |
| |
| @SuppressWarnings({ "rawtypes", "unchecked" }) |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanFixedPrincipalPercentageAmortizationTest { |
| |
| private static final Logger LOG = LoggerFactory.getLogger(LoanFixedPrincipalPercentageAmortizationTest.class); |
| |
| private static final String ACCOUNTING_NONE = "1"; |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| |
| @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.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| // this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec); |
| } |
| |
| @Test |
| public void checkLoanCreateAndDisburseFlowWithFixedPrincipalPercentage() { |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec); |
| ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID); |
| final Integer loanProductID = createLoanProduct(ACCOUNTING_NONE); |
| final Integer loanID = applyForLoanApplication(clientID, loanProductID, null, null, "100000.00"); |
| final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, |
| loanID); |
| verifyLoanRepaymentScheduleForEqualPrincipal(loanSchedule); |
| } |
| |
| @Test |
| public void checkLoanCreateAndDisburseFlowWithFixedPrincipalPercentageWithPrincipalGrace() { |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec); |
| ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID); |
| final Integer loanProductID = createLoanProduct(ACCOUNTING_NONE); |
| final Integer loanID = applyForLoanApplicationWithPrincipalGrace(clientID, loanProductID, null, null, "100000.00"); |
| final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, |
| loanID); |
| verifyLoanRepaymentScheduleForEqualPrincipalWithPrincipalGrace(loanSchedule); |
| } |
| |
| @Test |
| public void checkLoanCreateAndDisburseFlowWithFixedPrincipalPercentageAndFlatInterest() { |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| |
| final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec); |
| ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID); |
| final Integer loanProductID = createLoanProductWithFlatInterest(ACCOUNTING_NONE); |
| final Integer loanID = applyForLoanApplicationWithFlatInterest(clientID, loanProductID, null, null, "100000.00"); |
| final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, |
| loanID); |
| verifyLoanRepaymentScheduleForEqualPrincipalAndFlatInterest(loanSchedule); |
| } |
| |
| private Integer createLoanProduct(final String accountingRule, final Account... accounts) { |
| LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| LoanProductTestBuilder builder = new LoanProductTestBuilder() // |
| .withPrincipal("100000.00") // |
| .withNumberOfRepayments("13") // |
| .withRepaymentAfterEvery("1") // |
| .withRepaymentTypeAsMonth() // |
| .withinterestRatePerPeriod("1") // |
| .withInterestCalculationPeriodTypeAsDays().withInterestRateFrequencyTypeAsMonths() // |
| .withAmortizationTypeAsEqualPrincipalPayment() // This is required to fix the principal |
| .withPrinciplePercentagePerInstallment("5.00") // This fixes the principal at a fixed value till the |
| // second last EMI |
| .withInterestTypeAsDecliningBalance() // |
| .withAccounting(accountingRule, accounts); |
| |
| final String loanProductJSON = builder.build(null); |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID, List<HashMap> charges, |
| final String savingsId, String principal) { |
| |
| List<HashMap> collaterals = new ArrayList<>(); |
| |
| final Integer collateralId = CollateralManagementHelper.createCollateralProduct(this.requestSpec, this.responseSpec); |
| Assertions.assertNotNull(collateralId); |
| final Integer clientCollateralId = CollateralManagementHelper.createClientCollateral(this.requestSpec, this.responseSpec, |
| String.valueOf(clientID), collateralId); |
| Assertions.assertNotNull(clientCollateralId); |
| addCollaterals(collaterals, clientCollateralId, BigDecimal.valueOf(1)); |
| |
| LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| final String loanApplicationJSON = new LoanApplicationTestBuilder() // |
| .withPrincipal(principal) // |
| .withLoanTermFrequency("13") // |
| .withLoanTermFrequencyAsMonths() // |
| .withNumberOfRepayments("13") // |
| .withRepaymentEveryAfter("1") // |
| .withRepaymentFrequencyTypeAsMonths() // |
| .withInterestRatePerPeriod("2") // |
| .withAmortizationTypeAsEqualInstallments() // |
| .withAmortizationTypeAsEqualPrincipalPayments() // This is required to fix the principal |
| .withPrinciplePercentagePerInstallment("5.00") // This fixes the principal at a fixed value till the |
| // second last EMI |
| .withInterestTypeAsDecliningBalance() // |
| .withInterestCalculationPeriodTypeAsDays() // |
| .withExpectedDisbursementDate("20 September 2011") // |
| .withSubmittedOnDate("20 September 2011") // |
| .withCollaterals(collaterals).withCharges(charges).build(clientID.toString(), loanProductID.toString(), savingsId); |
| return this.loanTransactionHelper.getLoanId(loanApplicationJSON); |
| } |
| |
| private void addCollaterals(List<HashMap> collaterals, Integer collateralId, BigDecimal quantity) { |
| collaterals.add(collaterals(collateralId, quantity)); |
| } |
| |
| private HashMap<String, String> collaterals(Integer collateralId, BigDecimal quantity) { |
| HashMap<String, String> collateral = new HashMap<String, String>(2); |
| collateral.put("clientCollateralId", collateralId.toString()); |
| collateral.put("quantity", quantity.toString()); |
| return collateral; |
| } |
| |
| private Integer applyForLoanApplicationWithPrincipalGrace(final Integer clientID, final Integer loanProductID, List<HashMap> charges, |
| final String savingsId, String principal) { |
| List<HashMap> collaterals = new ArrayList<>(); |
| |
| final Integer collateralId = CollateralManagementHelper.createCollateralProduct(this.requestSpec, this.responseSpec); |
| Assertions.assertNotNull(collateralId); |
| final Integer clientCollateralId = CollateralManagementHelper.createClientCollateral(this.requestSpec, this.responseSpec, |
| String.valueOf(clientID), collateralId); |
| Assertions.assertNotNull(clientCollateralId); |
| addCollaterals(collaterals, clientCollateralId, BigDecimal.valueOf(1)); |
| LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| final String loanApplicationJSON = new LoanApplicationTestBuilder() // |
| .withPrincipal(principal) // |
| .withLoanTermFrequency("19") // |
| .withLoanTermFrequencyAsMonths() // |
| .withNumberOfRepayments("19") // |
| .withRepaymentEveryAfter("1") // |
| .withRepaymentFrequencyTypeAsMonths() // |
| .withInterestRatePerPeriod("2") // |
| .withAmortizationTypeAsEqualInstallments() // |
| .withAmortizationTypeAsEqualPrincipalPayments() // This is required to fix the principal |
| .withPrinciplePercentagePerInstallment("5.00") // This fixes the principal at a fixed value till the |
| // second last EMI |
| .withPrincipalGrace("6").withInterestTypeAsDecliningBalance() // |
| .withInterestCalculationPeriodTypeAsDays() // |
| .withExpectedDisbursementDate("20 September 2011") // |
| .withSubmittedOnDate("20 September 2011") // |
| .withCollaterals(collaterals).withCharges(charges).build(clientID.toString(), loanProductID.toString(), savingsId); |
| return this.loanTransactionHelper.getLoanId(loanApplicationJSON); |
| } |
| |
| private void verifyLoanRepaymentScheduleForEqualPrincipal(final ArrayList<HashMap> loanSchedule) { |
| LOG.info("--------------------VERIFYING THE PRINCIPAL DUES,INTEREST DUE AND DUE DATE--------------------------"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 10, 20)), loanSchedule.get(1).get("dueDate"), |
| "Checking for Due Date for 1st Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(1).get("principalOriginalDue"), "Checking for Principal Due for 1st Month"); |
| assertEquals(Float.parseFloat("1972.60"), loanSchedule.get(1).get("interestOriginalDue"), |
| "Checking for Interest Due for 1st Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 11, 20)), loanSchedule.get(2).get("dueDate"), |
| "Checking for Due Date for 2nd Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(2).get("principalDue"), "Checking for Principal Due for 2nd Month"); |
| assertEquals(Float.parseFloat("1936.44"), loanSchedule.get(2).get("interestOriginalDue"), |
| "Checking for Interest Due for 2nd Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 12, 20)), loanSchedule.get(3).get("dueDate"), |
| "Checking for Due Date for 3rd Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(3).get("principalDue"), "Checking for Principal Due for 3rd Month"); |
| assertEquals(Float.parseFloat("1775.34"), loanSchedule.get(3).get("interestOriginalDue"), |
| "Checking for Interest Due for 3rd Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 9, 20)), loanSchedule.get(12).get("dueDate"), |
| "Checking for Due Date for 12th Month"); |
| assertEquals(Float.parseFloat("5000 "), loanSchedule.get(12).get("principalDue"), "Checking for Principal Due for 12th Month"); |
| assertEquals(Float.parseFloat("917.26"), loanSchedule.get(12).get("interestOriginalDue"), |
| "Checking for Interest Due for 12th Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 10, 20)), loanSchedule.get(13).get("dueDate"), |
| "Checking for Due Date for 13th Month - Last EMI"); |
| assertEquals(Float.parseFloat("40000"), loanSchedule.get(13).get("principalDue"), |
| "Checking for Principal Due for 13th Month - Last EMI"); |
| assertEquals(Float.parseFloat("789.04"), loanSchedule.get(13).get("interestOriginalDue"), |
| "Checking for Interest Due for 13th Month - Last EMI"); |
| |
| } |
| |
| private void verifyLoanRepaymentScheduleForEqualPrincipalWithPrincipalGrace(final ArrayList<HashMap> loanSchedule) { |
| LOG.info("--------------------VERIFYING THE PRINCIPAL DUES,INTEREST DUE AND DUE DATE--------------------------"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 10, 20)), loanSchedule.get(1).get("dueDate"), |
| "Checking for Due Date for 1st Month"); |
| assertEquals(Integer.parseInt("0"), loanSchedule.get(1).get("principalOriginalDue"), "Checking for Principal Due for 1st Month"); |
| assertEquals(Float.parseFloat("1972.6"), loanSchedule.get(1).get("interestOriginalDue"), "Checking for Interest Due for 1st Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 3, 20)), loanSchedule.get(6).get("dueDate"), |
| "Checking for Due Date for 6th Month"); |
| assertEquals(Integer.parseInt("0"), loanSchedule.get(6).get("principalDue"), "Checking for Principal Due for 6th Month"); |
| assertEquals(Float.parseFloat("1906.85"), loanSchedule.get(6).get("interestOriginalDue"), |
| "Checking for Interest Due for 6th Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 4, 20)), loanSchedule.get(7).get("dueDate"), |
| "Checking for Due Date for 7th Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(7).get("principalDue"), "Checking for Principal Due for 7th Month"); |
| assertEquals(Float.parseFloat("2038.36"), loanSchedule.get(7).get("interestOriginalDue"), |
| "Checking for Interest Due for 7th Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2013, 3, 20)), loanSchedule.get(18).get("dueDate"), |
| "Checking for Due Date for 18th Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(18).get("principalDue"), "Checking for Principal Due for 18th Month"); |
| assertEquals(Float.parseFloat("828.49"), loanSchedule.get(18).get("interestOriginalDue"), |
| "Checking for Interest Due for 18th Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2013, 4, 20)), loanSchedule.get(19).get("dueDate"), |
| "Checking for Due Date for 19th Month - Last EMI"); |
| assertEquals(Float.parseFloat("40000"), loanSchedule.get(19).get("principalDue"), |
| "Checking for Principal Due for 19th Month - Last EMI"); |
| assertEquals(Float.parseFloat("815.34"), loanSchedule.get(19).get("interestOriginalDue"), |
| "Checking for Interest Due for 19th Month - Last EMI"); |
| |
| } |
| |
| private Integer createLoanProductWithFlatInterest(final String accountingRule, final Account... accounts) { |
| LOG.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| LoanProductTestBuilder builder = new LoanProductTestBuilder() // |
| .withPrincipal("100000.00") // |
| .withNumberOfRepayments("13") // |
| .withRepaymentAfterEvery("1") // |
| .withRepaymentTypeAsMonth() // |
| .withinterestRatePerPeriod("1") // |
| .withInterestCalculationPeriodTypeAsDays().withInterestRateFrequencyTypeAsMonths() // |
| .withAmortizationTypeAsEqualPrincipalPayment() // This is required to fix the principal |
| .withPrinciplePercentagePerInstallment("5.00") // This fixes the principal at a fixed value till the |
| // second last EMI |
| .withInterestTypeAsFlat() // |
| .withAccounting(accountingRule, accounts); |
| |
| final String loanProductJSON = builder.build(null); |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer applyForLoanApplicationWithFlatInterest(final Integer clientID, final Integer loanProductID, List<HashMap> charges, |
| final String savingsId, String principal) { |
| LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| final String loanApplicationJSON = new LoanApplicationTestBuilder() // |
| .withPrincipal(principal) // |
| .withLoanTermFrequency("13") // |
| .withLoanTermFrequencyAsMonths() // |
| .withNumberOfRepayments("13") // |
| .withRepaymentEveryAfter("1") // |
| .withRepaymentFrequencyTypeAsMonths() // |
| .withInterestRatePerPeriod("2") // |
| .withAmortizationTypeAsEqualInstallments() // |
| .withAmortizationTypeAsEqualPrincipalPayments() // This is required to fix the principal |
| .withPrinciplePercentagePerInstallment("5.00") // This fixes the principal at a fixed value till the |
| // second last EMI |
| .withInterestTypeAsFlatBalance() // |
| .withInterestCalculationPeriodTypeAsDays() // |
| .withExpectedDisbursementDate("20 September 2011") // |
| .withSubmittedOnDate("20 September 2011") // |
| .withCharges(charges).build(clientID.toString(), loanProductID.toString(), savingsId); |
| return this.loanTransactionHelper.getLoanId(loanApplicationJSON); |
| } |
| |
| private void verifyLoanRepaymentScheduleForEqualPrincipalAndFlatInterest(final ArrayList<HashMap> loanSchedule) { |
| LOG.info("--------------------VERIFYING THE PRINCIPAL DUES,INTEREST DUE AND DUE DATE--------------------------"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 10, 20)), loanSchedule.get(1).get("dueDate"), |
| "Checking for Due Date for 1st Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(1).get("principalOriginalDue"), "Checking for Principal Due for 1st Month"); |
| assertEquals(Float.parseFloat("2002.95"), loanSchedule.get(1).get("interestOriginalDue"), |
| "Checking for Interest Due for 1st Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 11, 20)), loanSchedule.get(2).get("dueDate"), |
| "Checking for Due Date for 2nd Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(2).get("principalDue"), "Checking for Principal Due for 2nd Month"); |
| assertEquals(Float.parseFloat("2002.95"), loanSchedule.get(2).get("interestOriginalDue"), |
| "Checking for Interest Due for 2nd Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2011, 12, 20)), loanSchedule.get(3).get("dueDate"), |
| "Checking for Due Date for 3rd Month"); |
| assertEquals(Float.parseFloat("5000"), loanSchedule.get(3).get("principalDue"), "Checking for Principal Due for 3rd Month"); |
| assertEquals(Float.parseFloat("2002.95"), loanSchedule.get(3).get("interestOriginalDue"), |
| "Checking for Interest Due for 3rd Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 9, 20)), loanSchedule.get(12).get("dueDate"), |
| "Checking for Due Date for 12th Month"); |
| assertEquals(Float.parseFloat("5000 "), loanSchedule.get(12).get("principalDue"), "Checking for Principal Due for 12th Month"); |
| assertEquals(Float.parseFloat("2002.95"), loanSchedule.get(12).get("interestOriginalDue"), |
| "Checking for Interest Due for 12th Month"); |
| |
| assertEquals(new ArrayList<>(Arrays.asList(2012, 10, 20)), loanSchedule.get(13).get("dueDate"), |
| "Checking for Due Date for 13th Month - Last EMI"); |
| assertEquals(Float.parseFloat("40000"), loanSchedule.get(13).get("principalDue"), |
| "Checking for Principal Due for 13th Month - Last EMI"); |
| assertEquals(Float.parseFloat("2002.96"), loanSchedule.get(13).get("interestOriginalDue"), |
| "Checking for Interest Due for 13th Month - Last EMI"); |
| |
| } |
| |
| } |