integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountBackdatedDisbursementTest.java

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 * 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,
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package org.apache.fineract.integrationtests;

import static org.junit.jupiter.api.Assertions.assertEquals;
import static org.junit.jupiter.api.Assertions.assertNotNull;

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.time.LocalDate;
import java.util.HashMap;
import java.util.List;
import java.util.UUID;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
import org.apache.fineract.integrationtests.common.BusinessDateHelper;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.CommonConstants;
import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
import org.apache.fineract.integrationtests.common.Utils;
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.BeforeEach;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;

@ExtendWith(LoanTestLifecycleExtension.class)
public class LoanAccountBackdatedDisbursementTest {

    private ResponseSpecification responseSpec;
    private RequestSpecification requestSpec;
    private LoanTransactionHelper loanTransactionHelper;
    private ClientHelper clientHelper;

    @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.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
    }

    @Test
    public void loanAccountBackDatedDisbursementForLoanProductWithEnableDownPaymentAndScheduleStartDateTypeAsDisbursementDateTest() {
        try {

            // Set business date
            LocalDate businessDate = LocalDate.of(2023, 3, 3);

            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // Loan ExternalId
            String loanExternalIdStr = UUID.randomUUID().toString();

            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();

            // set repayment start date type as disbursement date
            final Integer repaymentStartDateType = 1;

            // down-payment configuration
            Boolean enableDownPayment = true;
            BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
            Boolean enableAutoRepaymentForDownPayment = false;

            // Loan Product creation with repayment start date type and down payment configuration with multi
            // disbursement
            final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
                    loanTransactionHelper, repaymentStartDateType, enableDownPayment, "25", enableAutoRepaymentForDownPayment);

            assertNotNull(getLoanProductsProductResponse);
            assertEquals(repaymentStartDateType, getLoanProductsProductResponse.getRepaymentStartDateType().getId().intValue());
            assertEquals("repaymentStartDateType.disbursementDate", getLoanProductsProductResponse.getRepaymentStartDateType().getCode());
            assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
            assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
                    .compareTo(disbursedAmountPercentageForDownPayment));
            assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());

            // create loan account with submitted date as business date (03 March 2023) and expected disbursement date
            // as future date (07 March 2023)
            final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
                    loanExternalIdStr);

            // Retrieve Loan with loanId

            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // verify schedule is according to expected disbursement date
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            // first disbursement on a future date (7 March 2023)

            businessDate = LocalDate.of(2023, 3, 7);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            loanTransactionHelper.disburseLoanWithTransactionAmount("07 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to disbursement date after first disbursement
            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // first installment down payment repayment
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // make repayment on 7 March to pay down payment installment
            final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
                    new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 March 2023").locale("en")
                            .transactionAmount(125.00));

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            assertEquals(375.0, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment down payment repayment
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // set business date

            businessDate = LocalDate.of(2023, 3, 8);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // second disbursement backdated 5 March

            loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to backdated disbursement date after second disbursement

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            assertEquals(875.0, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment down payment repayment for 5 March disbursal
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment down payment repayment for 7 March disbursal
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());

            // third installment [5 March 2023 - 5 April 2023]
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());

            // fourth installment [5 April 2023 - 5 May 2023]
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());

            // fifth installment [5 May 2023 - 5 June 2023]
            assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().get(6).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(6).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 5), loanDetails.getRepaymentSchedule().getPeriods().get(6).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(6).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(6).getComplete());

        } finally {
            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
        }
    }

    @Test
    public void loanAccountBackDatedDisbursementForLoanProductWithEnableDownPaymentAndScheduleStartDateTypeAsSubmittedOnDateTest() {
        try {

            // Set business date
            LocalDate businessDate = LocalDate.of(2023, 3, 3);

            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // Loan ExternalId
            String loanExternalIdStr = UUID.randomUUID().toString();

            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();

            // set repayment start date type as submitted on date
            final Integer repaymentStartDateType = 2;

            // down-payment configuration
            Boolean enableDownPayment = true;
            BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
            Boolean enableAutoRepaymentForDownPayment = false;

            // Loan Product creation with repayment start date type and down payment configuration with multi
            // disbursement
            final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
                    loanTransactionHelper, repaymentStartDateType, enableDownPayment, "25", enableAutoRepaymentForDownPayment);

            assertNotNull(getLoanProductsProductResponse);
            assertEquals(repaymentStartDateType, getLoanProductsProductResponse.getRepaymentStartDateType().getId().intValue());
            assertEquals("repaymentStartDateType.submittedOnDate", getLoanProductsProductResponse.getRepaymentStartDateType().getCode());
            assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
            assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
                    .compareTo(disbursedAmountPercentageForDownPayment));
            assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());

            // create loan account with submitted date as business date (03 March 2023) and expected disbursement date
            // as future date (07 March 2023)
            final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
                    loanExternalIdStr);

            // Retrieve Loan with loanId

            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);

            // verify loan schedule is according to submitted date

            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // verify schedule is according to expected disbursement date
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // first disbursement on a future date (7 March 2023)

            businessDate = LocalDate.of(2023, 3, 7);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            loanTransactionHelper.disburseLoanWithTransactionAmount("07 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to submitted date after first disbursement
            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // first installment down payment repayment for 7 March disbursal
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment [3 March 2023 - 3 April 2023]
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment [3 April 2023 - 3 May 2023]
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment [3 May 2023 - 3 June 2023]
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // make repayment on 7 March to pay downpayment insatllment
            final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
                    new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 March 2023").locale("en")
                            .transactionAmount(125.00));

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // check down payment installment gets paid for 7 March disbursal

            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment [3 March 2023 - 3 April 2023]
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment [3 April 2023 - 3 May 2023]
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment [3 May 2023 - 3 June 2023]
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            businessDate = LocalDate.of(2023, 3, 8);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // second disbursement backdated 5 March
            loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to submitted date after second disbursement

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // first installment down payment repayment for 5 March disbursal
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment down payment repayment for 7 March disbursal
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());

            // third installment [3 March 2023 - 3 April 2023]
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());

            // fourth installment [3 April 2023 - 3 May 2023]
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());

            // fifth installment [3 May 2023 - 3 June 2023]
            assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().get(6).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 3), loanDetails.getRepaymentSchedule().getPeriods().get(6).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 3), loanDetails.getRepaymentSchedule().getPeriods().get(6).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(6).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(6).getComplete());

        } finally {
            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
        }
    }

    @Test
    public void loanAccountBackDatedDisbursementAfterTwoRepaymentsForLoanProductWithEnableDownPaymentAndScheduleStartDateTypeAsDisbursementDateTest() {
        try {

            // Set business date
            LocalDate businessDate = LocalDate.of(2023, 3, 3);

            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // Loan ExternalId
            String loanExternalIdStr = UUID.randomUUID().toString();

            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();

            // set repayment start date type as disbursement date
            final Integer repaymentStartDateType = 1;

            // down-payment configuration
            Boolean enableDownPayment = true;
            BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
            Boolean enableAutoRepaymentForDownPayment = false;

            // Loan Product creation with repayment start date type and down payment configuration with multi
            // disbursement
            final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
                    loanTransactionHelper, repaymentStartDateType, enableDownPayment, "25", enableAutoRepaymentForDownPayment);

            assertNotNull(getLoanProductsProductResponse);
            assertEquals(repaymentStartDateType, getLoanProductsProductResponse.getRepaymentStartDateType().getId().intValue());
            assertEquals("repaymentStartDateType.disbursementDate", getLoanProductsProductResponse.getRepaymentStartDateType().getCode());
            assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
            assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
                    .compareTo(disbursedAmountPercentageForDownPayment));
            assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());

            // create loan account with submitted date as business date (03 March 2023) and expected disbursement date
            // as future date (07 March 2023)
            final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
                    loanExternalIdStr);

            // Retrieve Loan with loanId

            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);

            // verify loan schedule is according to expected disbursement date

            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // verify schedule is according to expected disbursement date
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // first disbursement on a future date (7 March 2023)

            businessDate = LocalDate.of(2023, 3, 7);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            loanTransactionHelper.disburseLoanWithTransactionAmount("07 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to disbursement date after first disbursement
            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // first installment down payment repayment
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // make repayment on 7 March to pay downpayment insatllment
            final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
                    new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 March 2023").locale("en")
                            .transactionAmount(125.00));

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // check down payment installment gets paid

            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            assertEquals(375.0, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment down payment repayment
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // set business date to next repayment due business date
            businessDate = LocalDate.of(2023, 4, 7);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // make 2nd repayment on 7 April to pay installment
            final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
                    new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 April 2023").locale("en")
                            .transactionAmount(125.00));

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            assertEquals(250.0, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment down payment repayment
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(2).getComplete());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());

            // make backdate disbursement for 5 march with business date 7 April

            loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to backdated disbursement date after second disbursement

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify transactions get reprocessed and installments paid accordingly
            assertEquals(750.0, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment down payment repayment for 5 March disbursal
            // check down payment installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment down payment repayment for 7 March disbursal
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());

            // third installment [5 March 2023 - 5 April 2023]
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());

            // fourth installment [5 April 2023 - 5 May 2023]
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());

            // fifth installment [5 May 2023 - 5 June 2023]
            assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().get(6).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(6).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 5), loanDetails.getRepaymentSchedule().getPeriods().get(6).getDueDate());
            assertEquals(250.00, loanDetails.getRepaymentSchedule().getPeriods().get(6).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(6).getComplete());

        } finally {
            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
        }
    }

    @Test
    public void loanAccountBackDatedDisbursementWithDisbursementDateBeforeLoanSubmittedOnDateValidationTest() {
        try {

            final ResponseSpecification errorResponse = new ResponseSpecBuilder().expectStatusCode(403).build();
            final LoanTransactionHelper validationErrorHelper = new LoanTransactionHelper(this.requestSpec, errorResponse);

            // Set business date
            LocalDate businessDate = LocalDate.of(2023, 3, 3);

            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // Loan ExternalId
            String loanExternalIdStr = UUID.randomUUID().toString();

            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();

            // set repayment start date type as disbursement date
            final Integer repaymentStartDateType = 1;

            // down-payment configuration
            Boolean enableDownPayment = true;
            BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
            Boolean enableAutoRepaymentForDownPayment = false;

            // Loan Product creation with repayment start date type and down payment configuration with multi
            // disbursement
            final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
                    loanTransactionHelper, repaymentStartDateType, enableDownPayment, "25", enableAutoRepaymentForDownPayment);

            assertNotNull(getLoanProductsProductResponse);
            assertEquals(repaymentStartDateType, getLoanProductsProductResponse.getRepaymentStartDateType().getId().intValue());
            assertEquals("repaymentStartDateType.disbursementDate", getLoanProductsProductResponse.getRepaymentStartDateType().getCode());
            assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
            assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
                    .compareTo(disbursedAmountPercentageForDownPayment));
            assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());

            // create loan account with submitted date as business date (03 March 2023) and expected disbursement date
            // as future date (07 March 2023)
            final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
                    loanExternalIdStr);

            // Retrieve Loan with loanId

            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            // verify schedule is according to expected disbursement date
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // fourth installment
            assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            // first disbursement on a future date (7 March 2023)
            businessDate = LocalDate.of(2023, 3, 7);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);
            loanTransactionHelper.disburseLoanWithTransactionAmount("07 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify schedule is according to first disbursement date
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());

            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());

            // second disbursement backdated for 2 nd March 2023 before loan submission date
            List<HashMap<String, Object>> loanErrorData = (List<HashMap<String, Object>>) validationErrorHelper
                    .disburseLoanWithTransactionAmountWithError("02 March 2023", loanId, "500", CommonConstants.RESPONSE_ERROR);
            assertNotNull(loanErrorData);
            assertEquals("Loan can't be disbursed before 2023-03-03", loanErrorData.get(0).get("defaultUserMessage"));
            assertEquals("error.msg.loan.actualdisbursementdate.before.submittedDate",
                    loanErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE));

        } finally {
            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
        }

    }

    @Test
    public void loanAccountBackDatedDisbursementForLoanProductWithDisableDownPaymentAndScheduleStartDateTypeAsDisbursementDate_DisbursementPeriodsOrderTest() {
        try {

            // Set business date
            LocalDate businessDate = LocalDate.of(2023, 3, 3);

            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // Loan ExternalId
            String loanExternalIdStr = UUID.randomUUID().toString();

            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();

            // set repayment start date type as disbursement date
            final Integer repaymentStartDateType = 1;

            // down-payment configuration
            Boolean enableDownPayment = false;
            Boolean enableAutoRepaymentForDownPayment = false;

            // Loan Product creation with repayment start date type and down payment configuration with multi
            // disbursement
            final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
                    loanTransactionHelper, repaymentStartDateType, enableDownPayment, null, enableAutoRepaymentForDownPayment);

            assertNotNull(getLoanProductsProductResponse);
            assertEquals(repaymentStartDateType, getLoanProductsProductResponse.getRepaymentStartDateType().getId().intValue());
            assertEquals("repaymentStartDateType.disbursementDate", getLoanProductsProductResponse.getRepaymentStartDateType().getCode());
            assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());

            // create loan account with submitted date as business date (03 March 2023) and expected disbursement date
            // as future date (07 March 2023)
            final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
                    loanExternalIdStr);

            // Retrieve Loan with loanId

            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // verify schedule is according to expected disbursement date
            // first installment
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(333.33, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(333.33, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(333.34, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            // first disbursement on a future date (7 March 2023)

            businessDate = LocalDate.of(2023, 3, 7);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            loanTransactionHelper.disburseLoanWithTransactionAmount("07 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to disbursement date after first disbursement
            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());

            // disbursement period
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());

            // first installment
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(166.66, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());

            // make repayment on 7 March to pay installment
            final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
                    new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 March 2023").locale("en")
                            .transactionAmount(166.67));

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(500.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            assertEquals(333.33, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // first installment
            // check installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
            assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 7), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(166.66, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            // set business date

            businessDate = LocalDate.of(2023, 3, 8);

            BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate);

            // second disbursement backdated 5 March

            loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "500");

            loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());

            // verify loan schedule is according to backdated disbursement date after second disbursement

            assertNotNull(loanDetails);
            assertNotNull(loanDetails.getRepaymentSchedule());

            // verify amounts
            assertEquals(1000.0, loanDetails.getRepaymentSchedule().getTotalPrincipalExpected());
            assertEquals(833.33, loanDetails.getRepaymentSchedule().getTotalOutstanding());

            // verify disbursement period order
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
            assertEquals(LocalDate.of(2023, 3, 7), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());

            // first installment for 5 March disbursal
            // check installment gets paid
            assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
            assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
            assertEquals(333.33, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
            assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalPaidForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getComplete());

            // second installment
            assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
            assertEquals(LocalDate.of(2023, 4, 5), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
            assertEquals(333.33, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());

            // third installment
            assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
            assertEquals(LocalDate.of(2023, 5, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
            assertEquals(LocalDate.of(2023, 6, 5), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
            assertEquals(333.34, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
            assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
        } finally {
            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
        }
    }

    private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID,
            final String externalId) {

        String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("3")
                .withLoanTermFrequencyAsMonths().withNumberOfRepayments("3").withRepaymentEveryAfter("1")
                .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
                .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
                .withExpectedDisbursementDate("07 March 2023").withSubmittedOnDate("03 March 2023").withLoanType("individual")
                .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null);

        final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
        loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null);
        return loanId;
    }

    private GetLoanProductsProductIdResponse createLoanProductWithRepaymentStartDateTypeConfigurationAndMultipleDisbursements(
            LoanTransactionHelper loanTransactionHelper, final Integer repaymentStartDateType, final Boolean enableDownPayment,
            final String disbursedAmountPercentageForDownPayment, final boolean enableAutoRepaymentForDownPayment) {
        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
                .withRepaymentAfterEvery("1").withNumberOfRepayments("3").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
                .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
                .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365")
                .withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
                .withRepaymentStartDateType(repaymentStartDateType)
                .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
                .build(null);
        final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
        return loanTransactionHelper.getLoanProduct(loanProductId);
    }

}