| /** |
| * 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.portfolio.delinquency.service; |
| |
| import java.time.LocalDate; |
| import java.util.ArrayList; |
| import java.util.Collections; |
| import java.util.Comparator; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.Map; |
| import java.util.Optional; |
| import lombok.RequiredArgsConstructor; |
| import lombok.extern.slf4j.Slf4j; |
| import org.apache.fineract.infrastructure.core.service.DateUtils; |
| import org.apache.fineract.infrastructure.event.business.domain.loan.LoanDelinquencyRangeChangeBusinessEvent; |
| import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService; |
| import org.apache.fineract.portfolio.delinquency.domain.DelinquencyBucket; |
| import org.apache.fineract.portfolio.delinquency.domain.DelinquencyRange; |
| import org.apache.fineract.portfolio.delinquency.domain.DelinquencyRangeRepository; |
| import org.apache.fineract.portfolio.delinquency.domain.LoanDelinquencyTagHistory; |
| import org.apache.fineract.portfolio.delinquency.domain.LoanDelinquencyTagHistoryRepository; |
| import org.apache.fineract.portfolio.delinquency.domain.LoanInstallmentDelinquencyTag; |
| import org.apache.fineract.portfolio.delinquency.domain.LoanInstallmentDelinquencyTagRepository; |
| import org.apache.fineract.portfolio.loanaccount.data.CollectionData; |
| import org.apache.fineract.portfolio.loanaccount.domain.Loan; |
| import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment; |
| import org.springframework.stereotype.Component; |
| |
| @RequiredArgsConstructor |
| @Component |
| @Slf4j |
| public class DelinquencyWritePlatformServiceHelper { |
| |
| private final BusinessEventNotifierService businessEventNotifierService; |
| private final LoanDelinquencyTagHistoryRepository loanDelinquencyTagRepository; |
| private final DelinquencyRangeRepository repositoryRange; |
| private final LoanInstallmentDelinquencyTagRepository loanInstallmentDelinquencyTagRepository; |
| |
| public Map<String, Object> applyDelinquencyForLoan(final Loan loan, final DelinquencyBucket delinquencyBucket, long overdueDays) { |
| Map<String, Object> changes = new HashMap<>(); |
| |
| if (overdueDays <= 0) { // No Delinquency |
| log.debug("Loan {} without delinquency range with {} days", loan.getId(), overdueDays); |
| changes = setLoanDelinquencyTag(loan, null); |
| |
| } else { |
| // Sort the ranges based on the minAgeDays |
| final List<DelinquencyRange> ranges = sortDelinquencyRangesByMinAge(delinquencyBucket.getRanges()); |
| |
| for (final DelinquencyRange delinquencyRange : ranges) { |
| if (delinquencyRange.getMaximumAgeDays() == null) { // Last Range in the Bucket |
| if (delinquencyRange.getMinimumAgeDays() <= overdueDays) { |
| log.debug("Loan {} with delinquency range {} with {} days", loan.getId(), delinquencyRange.getClassification(), |
| overdueDays); |
| changes = setLoanDelinquencyTag(loan, delinquencyRange.getId()); |
| break; |
| } |
| } else { |
| if (delinquencyRange.getMinimumAgeDays() <= overdueDays && delinquencyRange.getMaximumAgeDays() >= overdueDays) { |
| log.debug("Loan {} with delinquency range {} with {} days", loan.getId(), delinquencyRange.getClassification(), |
| overdueDays); |
| changes = setLoanDelinquencyTag(loan, delinquencyRange.getId()); |
| break; |
| } |
| } |
| } |
| } |
| changes.put("overdueDays", overdueDays); |
| return changes; |
| } |
| |
| public Map<String, Object> setLoanDelinquencyTag(Loan loan, Long delinquencyRangeId) { |
| Map<String, Object> changes = new HashMap<>(); |
| List<LoanDelinquencyTagHistory> loanDelinquencyTagHistory = new ArrayList<>(); |
| final LocalDate transactionDate = DateUtils.getBusinessLocalDate(); |
| Optional<LoanDelinquencyTagHistory> optLoanDelinquencyTag = this.loanDelinquencyTagRepository.findByLoanAndLiftedOnDate(loan, null); |
| // The delinquencyRangeId in null means just goes out from Delinquency |
| LoanDelinquencyTagHistory loanDelinquencyTagPrev = null; |
| if (delinquencyRangeId == null) { |
| // The Loan will go out from Delinquency |
| if (optLoanDelinquencyTag.isPresent()) { |
| loanDelinquencyTagPrev = optLoanDelinquencyTag.get(); |
| loanDelinquencyTagPrev.setLiftedOnDate(transactionDate); |
| loanDelinquencyTagHistory.add(loanDelinquencyTagPrev); |
| changes.put("previous", loanDelinquencyTagPrev.getDelinquencyRange()); |
| // event when loan goes out of delinquency we do not calculate at |
| // installment level and remove all installment tags, so event needs to raised here. |
| if (loan.isEnableInstallmentLevelDelinquency()) { |
| businessEventNotifierService.notifyPostBusinessEvent(new LoanDelinquencyRangeChangeBusinessEvent(loan)); |
| } |
| } |
| } else { |
| if (optLoanDelinquencyTag.isPresent()) { |
| loanDelinquencyTagPrev = optLoanDelinquencyTag.get(); |
| } |
| // If the Delinquency Tag has not changed |
| if (loanDelinquencyTagPrev != null && loanDelinquencyTagPrev.getDelinquencyRange().getId().equals(delinquencyRangeId)) { |
| changes.put("current", loanDelinquencyTagPrev.getDelinquencyRange()); |
| } else { |
| // The previous Loan Delinquency Tag will set as Lifted |
| if (loanDelinquencyTagPrev != null) { |
| loanDelinquencyTagPrev.setLiftedOnDate(transactionDate); |
| loanDelinquencyTagHistory.add(loanDelinquencyTagPrev); |
| changes.put("previous", loanDelinquencyTagPrev.getDelinquencyRange()); |
| } |
| |
| final DelinquencyRange delinquencyRange = repositoryRange.getReferenceById(delinquencyRangeId); |
| LoanDelinquencyTagHistory loanDelinquencyTag = new LoanDelinquencyTagHistory(delinquencyRange, loan, transactionDate, null); |
| loanDelinquencyTagHistory.add(loanDelinquencyTag); |
| changes.put("current", loanDelinquencyTag.getDelinquencyRange()); |
| } |
| } |
| if (loanDelinquencyTagHistory.size() > 0) { |
| this.loanDelinquencyTagRepository.saveAllAndFlush(loanDelinquencyTagHistory); |
| // if installment level delinquency is enabled event will be raised at installment level calculation, no |
| // need to raise the event here |
| if (!loan.isEnableInstallmentLevelDelinquency()) { |
| businessEventNotifierService.notifyPostBusinessEvent(new LoanDelinquencyRangeChangeBusinessEvent(loan)); |
| } |
| } |
| return changes; |
| } |
| |
| public List<DelinquencyRange> sortDelinquencyRangesByMinAge(List<DelinquencyRange> ranges) { |
| final Comparator<DelinquencyRange> orderByMinAge = new Comparator<DelinquencyRange>() { |
| |
| @Override |
| public int compare(DelinquencyRange o1, DelinquencyRange o2) { |
| return o1.getMinimumAgeDays().compareTo(o2.getMinimumAgeDays()); |
| } |
| }; |
| Collections.sort(ranges, orderByMinAge); |
| return ranges; |
| } |
| |
| public void applyDelinquencyForLoanInstallments(final Loan loan, final DelinquencyBucket delinquencyBucket, |
| final Map<Long, CollectionData> installmentsCollectionData) { |
| boolean isDelinquencyRangeChangedForAnyOfInstallment = false; |
| for (LoanRepaymentScheduleInstallment installment : loan.getRepaymentScheduleInstallments()) { |
| if (installmentsCollectionData.containsKey(installment.getId())) { |
| boolean isDelinquencySetForInstallment = setInstallmentDelinquencyDetails(loan, installment, delinquencyBucket, |
| installmentsCollectionData.get(installment.getId())); |
| isDelinquencyRangeChangedForAnyOfInstallment = isDelinquencyRangeChangedForAnyOfInstallment |
| || isDelinquencySetForInstallment; |
| } |
| } |
| // remove tags for non-existing installments that got deleted due to re-schedule |
| removeDelinquencyTagsForNonExistingInstallments(loan.getId()); |
| // raise event if there is any change at installment level delinquency |
| if (isDelinquencyRangeChangedForAnyOfInstallment) { |
| businessEventNotifierService.notifyPostBusinessEvent(new LoanDelinquencyRangeChangeBusinessEvent(loan)); |
| } |
| |
| } |
| |
| private void removeDelinquencyTagsForNonExistingInstallments(Long loanId) { |
| List<LoanInstallmentDelinquencyTag> currentLoanInstallmentDelinquencyTags = loanInstallmentDelinquencyTagRepository |
| .findByLoanId(loanId); |
| if (currentLoanInstallmentDelinquencyTags != null && currentLoanInstallmentDelinquencyTags.size() > 0) { |
| List<Long> loanInstallmentTagsForDelete = currentLoanInstallmentDelinquencyTags.stream() |
| .filter(tag -> tag.getInstallment() == null).map(tag -> tag.getId()).toList(); |
| if (loanInstallmentTagsForDelete.size() > 0) { |
| loanInstallmentDelinquencyTagRepository.deleteAllLoanInstallmentsTagsByIds(loanInstallmentTagsForDelete); |
| } |
| } |
| } |
| |
| private boolean setInstallmentDelinquencyDetails(final Loan loan, final LoanRepaymentScheduleInstallment installment, |
| final DelinquencyBucket delinquencyBucket, final CollectionData installmentDelinquencyData) { |
| DelinquencyRange delinquencyRangeForInstallment = getInstallmentDelinquencyRange(delinquencyBucket, |
| installmentDelinquencyData.getDelinquentDays()); |
| return setDelinquencyDetailsForInstallment(loan, installment, installmentDelinquencyData, delinquencyRangeForInstallment); |
| } |
| |
| private DelinquencyRange getInstallmentDelinquencyRange(final DelinquencyBucket delinquencyBucket, Long overDueDays) { |
| DelinquencyRange delinquencyRangeForInstallment = null; |
| if (overDueDays > 0) { |
| // Sort the ranges based on the minAgeDays |
| final List<DelinquencyRange> ranges = sortDelinquencyRangesByMinAge(delinquencyBucket.getRanges()); |
| for (final DelinquencyRange delinquencyRange : ranges) { |
| if (delinquencyRange.getMaximumAgeDays() == null) { // Last Range in the Bucket |
| if (delinquencyRange.getMinimumAgeDays() <= overDueDays) { |
| delinquencyRangeForInstallment = delinquencyRange; |
| break; |
| } |
| } else { |
| if (delinquencyRange.getMinimumAgeDays() <= overDueDays && delinquencyRange.getMaximumAgeDays() >= overDueDays) { |
| delinquencyRangeForInstallment = delinquencyRange; |
| break; |
| } |
| } |
| } |
| |
| } |
| return delinquencyRangeForInstallment; |
| } |
| |
| private boolean setDelinquencyDetailsForInstallment(final Loan loan, final LoanRepaymentScheduleInstallment installment, |
| CollectionData installmentDelinquencyData, final DelinquencyRange delinquencyRangeForInstallment) { |
| List<LoanInstallmentDelinquencyTag> installmentDelinquencyTags = new ArrayList<>(); |
| LocalDate delinquencyCalculationDate = DateUtils.getBusinessLocalDate(); |
| boolean isDelinquencyRangeChanged = false; |
| |
| LoanInstallmentDelinquencyTag previousInstallmentDelinquencyTag = loanInstallmentDelinquencyTagRepository |
| .findByLoanAndInstallment(loan, installment).orElse(null); |
| |
| if (delinquencyRangeForInstallment == null) { |
| // if currentInstallmentDelinquencyTag exists and range is null, installment is out of delinquency, delete |
| // delinquency details |
| if (previousInstallmentDelinquencyTag != null) { |
| // event installment out of delinquency |
| loanInstallmentDelinquencyTagRepository.delete(previousInstallmentDelinquencyTag); |
| isDelinquencyRangeChanged = true; |
| } |
| } else { |
| LoanInstallmentDelinquencyTag installmentDelinquency = null; |
| if (previousInstallmentDelinquencyTag != null) { |
| if (!previousInstallmentDelinquencyTag.getDelinquencyRange().getId().equals(delinquencyRangeForInstallment.getId())) { |
| // if current delinquency range exists and there is range change, delete previous delinquency |
| // details and add new range details |
| installmentDelinquency = new LoanInstallmentDelinquencyTag(delinquencyRangeForInstallment, loan, installment, |
| delinquencyCalculationDate, null, previousInstallmentDelinquencyTag.getFirstOverdueDate(), |
| installmentDelinquencyData.getDelinquentAmount()); |
| loanInstallmentDelinquencyTagRepository.delete(previousInstallmentDelinquencyTag); |
| // event installment delinquency range change |
| isDelinquencyRangeChanged = true; |
| } else { |
| previousInstallmentDelinquencyTag.setOutstandingAmount(installmentDelinquencyData.getDelinquentAmount()); |
| installmentDelinquency = previousInstallmentDelinquencyTag; |
| } |
| } else { |
| // add new range, first time delinquent |
| installmentDelinquency = new LoanInstallmentDelinquencyTag(delinquencyRangeForInstallment, loan, installment, |
| delinquencyCalculationDate, null, installmentDelinquencyData.getDelinquentDate(), |
| installmentDelinquencyData.getDelinquentAmount()); |
| // event installment delinquent |
| isDelinquencyRangeChanged = true; |
| } |
| |
| if (installmentDelinquency != null) { |
| installmentDelinquencyTags.add(installmentDelinquency); |
| } |
| |
| } |
| |
| if (installmentDelinquencyTags.size() > 0) { |
| loanInstallmentDelinquencyTagRepository.saveAllAndFlush(installmentDelinquencyTags); |
| } |
| return isDelinquencyRangeChanged; |
| } |
| } |
