integration-tests/src/test/java/org/apache/fineract/integrationtests/DelinquencyActionIntegrationTests.java - fineract - Git at Google

 /**
  * 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 java.lang.Boolean.TRUE;
 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.junit.jupiter.api.Assertions.assertEquals;
 import static org.junit.jupiter.api.Assertions.assertNotNull;
 import static org.junit.jupiter.api.Assertions.assertThrows;
 import static org.junit.jupiter.api.Assertions.assertTrue;

 import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.Arrays;
 import java.util.List;
 import java.util.UUID;
 import lombok.extern.slf4j.Slf4j;
 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.GetLoansLoanIdResponse;
 import org.apache.fineract.client.models.PostLoanProductsRequest;
 import org.apache.fineract.client.models.PostLoanProductsResponse;
 import org.apache.fineract.client.models.PostLoansDelinquencyActionResponse;
 import org.apache.fineract.client.util.CallFailedRuntimeException;
 import org.apache.fineract.integrationtests.common.ClientHelper;
 import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
 import org.junit.jupiter.api.Assertions;
 import org.junit.jupiter.api.Test;
 import org.junit.jupiter.api.extension.ExtendWith;

 @Slf4j
 @ExtendWith(LoanTestLifecycleExtension.class)
 public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {

     public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25);

     @Test
     public void testCreateAndReadPauseDelinquencyAction() {
         runAt("01 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, "01 January 2023", 1500.0, 2);

             // Disburse Loan
             disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

             // Create Delinquency Pause for the Loan
             PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
                     "10 January 2023", "15 January 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("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
             Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
         });
     }

     @Test
     public void testCreateAndReadPauseDelinquencyActionUsingExternalId() {
         runAt("01 January 2023", () -> {
             // Create Client
             Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();

             // Create Loan Product
             Long loanProductId = createLoanProductWith25PctDownPayment(true, true);

             // Create external ID
             String externalId = UUID.randomUUID().toString();

             // Apply and Approve Loan
             Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1500.0, 2, externalId);

             // Disburse Loan
             disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

             // Create Delinquency Pause for the Loan
             PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(externalId, PAUSE,
                     "10 January 2023", "15 January 2023");

             List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(externalId);
             Assertions.assertNotNull(loanDelinquencyActions);
             Assertions.assertEquals(1, loanDelinquencyActions.size());
             Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
             Assertions.assertEquals(LocalDate.parse("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
             Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
         });
     }

     @Test
     public void testCreatePauseAndResumeDelinquencyAction() {
         runAt("01 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, "01 January 2023", 1500.0, 2);

             // Disburse Loan
             disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

             // Create Delinquency Pause for the Loan
             loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "10 January 2023", "15 January 2023");

             // Update business date
             businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("14 January 2023")
                     .dateFormat(DATETIME_PATTERN).locale("en"));

             // Create 2nd Delinquency Resume for the Loan
             loanTransactionHelper.createLoanDelinquencyAction(loanId, RESUME, "14 January 2023");

             List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
             Assertions.assertNotNull(loanDelinquencyActions);
             Assertions.assertEquals(2, loanDelinquencyActions.size());

             Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
             Assertions.assertEquals(LocalDate.parse("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
             Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());

             Assertions.assertEquals("RESUME", loanDelinquencyActions.get(1).getAction());
             Assertions.assertEquals(LocalDate.parse("14 January 2023", dateTimeFormatter), loanDelinquencyActions.get(1).getStartDate());
         });
     }

     @Test
     public void testCreatePauseAndResumeDelinquencyActionWithStatusFlag() {
         runAt("01 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, "01 January 2023", 1500.0, 2);

             // Disburse Loan
             disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

             // Create Delinquency Pause for the Loan
             loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "10 January 2023", "15 January 2023");

             // Update business date
             businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("14 January 2023")
                     .dateFormat(DATETIME_PATTERN).locale("en"));

             // Validate Loan Delinquency Pause Period on Loan
             validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "15 January 2023", true));

             // Create a Resume for the Loan for the current business date, it is still expected to be in pause
             loanTransactionHelper.createLoanDelinquencyAction(loanId, RESUME, "14 January 2023");

             // Validate Loan Delinquency Pause Period on Loan
             validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "14 January 2023", true));

             // Update business date to 15 January 2023
             businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("15 January 2023")
                     .dateFormat(DATETIME_PATTERN).locale("en"));

             // Validate Loan Delinquency Pause Period on Loan
             validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "14 January 2023", false));

             // Create a new pause action for the future
             loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "20 January 2023", "25 January 2023");

             // Validate Loan Delinquency Pause Period on Loan
             validateLoanDelinquencyPausePeriods(loanId, //
                     pausePeriods("10 January 2023", "14 January 2023", false), //
                     pausePeriods("20 January 2023", "25 January 2023", false) //
             );
         });
     }

     @Test
     public void testValidationErrorIsThrownWhenCreatingActionInThePast() {
         runAt("01 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, "01 January 2023", 1500.0, 2);

             // Disburse Loan
             disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

             // Create Delinquency Pause for the Loan in the past
             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"));
         });
     }

     private void validateLoanDelinquencyPausePeriods(Long loanId, GetLoansLoanIdDelinquencyPausePeriod... pausePeriods) {
         GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
         Assertions.assertNotNull(loan.getDelinquent());
         if (pausePeriods.length > 0) {
             Assertions.assertEquals(Arrays.asList(pausePeriods), loan.getDelinquent().getDelinquencyPausePeriods());
         } else {
             Assertions.assertNull(loan.getDelinquent().getDelinquencyPausePeriods());
         }
     }

     private GetLoansLoanIdDelinquencyPausePeriod pausePeriods(String startDate, String endDate, boolean active) {
         GetLoansLoanIdDelinquencyPausePeriod pausePeriod = new GetLoansLoanIdDelinquencyPausePeriod();
         pausePeriod.setActive(active);
         pausePeriod.setPausePeriodStart(LocalDate.parse(startDate, dateTimeFormatter));
         pausePeriod.setPausePeriodEnd(LocalDate.parse(endDate, dateTimeFormatter));
         return pausePeriod;
     }

     private Long createLoanProductWith25PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) {
         PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
         product.setMultiDisburseLoan(multiDisburseEnabled);

         if (!multiDisburseEnabled) {
             product.disallowExpectedDisbursements(null);
             product.setAllowApprovedDisbursedAmountsOverApplied(null);
             product.overAppliedCalculationType(null);
             product.overAppliedNumber(null);
         }

         product.setEnableDownPayment(true);
         product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE);
         product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled);

         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;
     }

 }
	/**
	* 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 java.lang.Boolean.TRUE;
	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.junit.jupiter.api.Assertions.assertEquals;
	import static org.junit.jupiter.api.Assertions.assertNotNull;
	import static org.junit.jupiter.api.Assertions.assertThrows;
	import static org.junit.jupiter.api.Assertions.assertTrue;

	import java.math.BigDecimal;
	import java.time.LocalDate;
	import java.util.Arrays;
	import java.util.List;
	import java.util.UUID;
	import lombok.extern.slf4j.Slf4j;
	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.GetLoansLoanIdResponse;
	import org.apache.fineract.client.models.PostLoanProductsRequest;
	import org.apache.fineract.client.models.PostLoanProductsResponse;
	import org.apache.fineract.client.models.PostLoansDelinquencyActionResponse;
	import org.apache.fineract.client.util.CallFailedRuntimeException;
	import org.apache.fineract.integrationtests.common.ClientHelper;
	import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
	import org.junit.jupiter.api.Assertions;
	import org.junit.jupiter.api.Test;
	import org.junit.jupiter.api.extension.ExtendWith;

	@Slf4j
	@ExtendWith(LoanTestLifecycleExtension.class)
	public class DelinquencyActionIntegrationTests extends BaseLoanIntegrationTest {

	public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25);

	@Test
	public void testCreateAndReadPauseDelinquencyAction() {
	runAt("01 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, "01 January 2023", 1500.0, 2);

	// Disburse Loan
	disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

	// Create Delinquency Pause for the Loan
	PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE,
	"10 January 2023", "15 January 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("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
	Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
	});
	}

	@Test
	public void testCreateAndReadPauseDelinquencyActionUsingExternalId() {
	runAt("01 January 2023", () -> {
	// Create Client
	Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();

	// Create Loan Product
	Long loanProductId = createLoanProductWith25PctDownPayment(true, true);

	// Create external ID
	String externalId = UUID.randomUUID().toString();

	// Apply and Approve Loan
	Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1500.0, 2, externalId);

	// Disburse Loan
	disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

	// Create Delinquency Pause for the Loan
	PostLoansDelinquencyActionResponse response = loanTransactionHelper.createLoanDelinquencyAction(externalId, PAUSE,
	"10 January 2023", "15 January 2023");

	List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(externalId);
	Assertions.assertNotNull(loanDelinquencyActions);
	Assertions.assertEquals(1, loanDelinquencyActions.size());
	Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
	Assertions.assertEquals(LocalDate.parse("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
	Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());
	});
	}

	@Test
	public void testCreatePauseAndResumeDelinquencyAction() {
	runAt("01 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, "01 January 2023", 1500.0, 2);

	// Disburse Loan
	disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

	// Create Delinquency Pause for the Loan
	loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "10 January 2023", "15 January 2023");

	// Update business date
	businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("14 January 2023")
	.dateFormat(DATETIME_PATTERN).locale("en"));

	// Create 2nd Delinquency Resume for the Loan
	loanTransactionHelper.createLoanDelinquencyAction(loanId, RESUME, "14 January 2023");

	List<GetDelinquencyActionsResponse> loanDelinquencyActions = loanTransactionHelper.getLoanDelinquencyActions(loanId);
	Assertions.assertNotNull(loanDelinquencyActions);
	Assertions.assertEquals(2, loanDelinquencyActions.size());

	Assertions.assertEquals("PAUSE", loanDelinquencyActions.get(0).getAction());
	Assertions.assertEquals(LocalDate.parse("10 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getStartDate());
	Assertions.assertEquals(LocalDate.parse("15 January 2023", dateTimeFormatter), loanDelinquencyActions.get(0).getEndDate());

	Assertions.assertEquals("RESUME", loanDelinquencyActions.get(1).getAction());
	Assertions.assertEquals(LocalDate.parse("14 January 2023", dateTimeFormatter), loanDelinquencyActions.get(1).getStartDate());
	});
	}

	@Test
	public void testCreatePauseAndResumeDelinquencyActionWithStatusFlag() {
	runAt("01 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, "01 January 2023", 1500.0, 2);

	// Disburse Loan
	disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

	// Create Delinquency Pause for the Loan
	loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "10 January 2023", "15 January 2023");

	// Update business date
	businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("14 January 2023")
	.dateFormat(DATETIME_PATTERN).locale("en"));

	// Validate Loan Delinquency Pause Period on Loan
	validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "15 January 2023", true));

	// Create a Resume for the Loan for the current business date, it is still expected to be in pause
	loanTransactionHelper.createLoanDelinquencyAction(loanId, RESUME, "14 January 2023");

	// Validate Loan Delinquency Pause Period on Loan
	validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "14 January 2023", true));

	// Update business date to 15 January 2023
	businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BUSINESS_DATE.getName()).date("15 January 2023")
	.dateFormat(DATETIME_PATTERN).locale("en"));

	// Validate Loan Delinquency Pause Period on Loan
	validateLoanDelinquencyPausePeriods(loanId, pausePeriods("10 January 2023", "14 January 2023", false));

	// Create a new pause action for the future
	loanTransactionHelper.createLoanDelinquencyAction(loanId, PAUSE, "20 January 2023", "25 January 2023");

	// Validate Loan Delinquency Pause Period on Loan
	validateLoanDelinquencyPausePeriods(loanId, //
	pausePeriods("10 January 2023", "14 January 2023", false), //
	pausePeriods("20 January 2023", "25 January 2023", false) //
	);
	});
	}

	@Test
	public void testValidationErrorIsThrownWhenCreatingActionInThePast() {
	runAt("01 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, "01 January 2023", 1500.0, 2);

	// Disburse Loan
	disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023");

	// Create Delinquency Pause for the Loan in the past
	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"));
	});
	}

	private void validateLoanDelinquencyPausePeriods(Long loanId, GetLoansLoanIdDelinquencyPausePeriod... pausePeriods) {
	GetLoansLoanIdResponse loan = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
	Assertions.assertNotNull(loan.getDelinquent());
	if (pausePeriods.length > 0) {
	Assertions.assertEquals(Arrays.asList(pausePeriods), loan.getDelinquent().getDelinquencyPausePeriods());
	} else {
	Assertions.assertNull(loan.getDelinquent().getDelinquencyPausePeriods());
	}
	}

	private GetLoansLoanIdDelinquencyPausePeriod pausePeriods(String startDate, String endDate, boolean active) {
	GetLoansLoanIdDelinquencyPausePeriod pausePeriod = new GetLoansLoanIdDelinquencyPausePeriod();
	pausePeriod.setActive(active);
	pausePeriod.setPausePeriodStart(LocalDate.parse(startDate, dateTimeFormatter));
	pausePeriod.setPausePeriodEnd(LocalDate.parse(endDate, dateTimeFormatter));
	return pausePeriod;
	}

	private Long createLoanProductWith25PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) {
	PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct();
	product.setMultiDisburseLoan(multiDisburseEnabled);

	if (!multiDisburseEnabled) {
	product.disallowExpectedDisbursements(null);
	product.setAllowApprovedDisbursedAmountsOverApplied(null);
	product.overAppliedCalculationType(null);
	product.overAppliedNumber(null);
	}

	product.setEnableDownPayment(true);
	product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE);
	product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled);

	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;
	}

	}