| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertTrue; |
| |
| 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.time.LocalDate; |
| import java.time.format.DateTimeFormatter; |
| import java.time.format.DateTimeFormatterBuilder; |
| import java.util.List; |
| import java.util.UUID; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdChargesChargeIdRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdChargesChargeIdResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.client.models.PutLoansLoanIdResponse; |
| 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.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntry; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper; |
| import org.apache.fineract.integrationtests.common.accounting.PeriodicAccrualAccountingHelper; |
| import org.apache.fineract.integrationtests.common.charges.ChargesHelper; |
| import org.apache.fineract.integrationtests.common.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.apache.fineract.integrationtests.common.system.CodeHelper; |
| import org.apache.fineract.integrationtests.inlinecob.InlineLoanCOBHelper; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanChargeOffAccountingTest { |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private ClientHelper clientHelper; |
| private LoanTransactionHelper loanTransactionHelper; |
| private JournalEntryHelper journalEntryHelper; |
| private AccountHelper accountHelper; |
| private Account assetAccount; |
| private Account incomeAccount; |
| private Account expenseAccount; |
| private Account overpaymentAccount; |
| private DateTimeFormatter dateFormatter = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter(); |
| private InlineLoanCOBHelper inlineLoanCOBHelper; |
| private PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper; |
| |
| @BeforeEach |
| public void setup() { |
| Utils.initializeRESTAssured(); |
| this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| this.requestSpec.header("Fineract-Platform-TenantId", "default"); |
| this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| this.assetAccount = this.accountHelper.createAssetAccount(); |
| this.incomeAccount = this.accountHelper.createIncomeAccount(); |
| this.expenseAccount = this.accountHelper.createExpenseAccount(); |
| this.overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec); |
| this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec); |
| this.inlineLoanCOBHelper = new InlineLoanCOBHelper(this.requestSpec, this.responseSpec); |
| this.periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(this.requestSpec, this.responseSpec); |
| } |
| |
| @Test |
| public void loanChargeOffAccountingTreatmentTestForPeriodicAccrualAccounting() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId,receivableFeeAccountId,receivablePenaltyAccountId,receivableInterestAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| // set loan as chargeoff |
| String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5); |
| Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1); |
| String transactionExternalId = UUID.randomUUID().toString(); |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("6 September 2022") |
| .locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId)); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries For ChargeOff Transaction |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(1020, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| // make Repayment |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Repayment transaction |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "7 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "7 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Merchant Refund |
| final PostLoansLoanIdTransactionsResponse merchantIssuedRefund_1 = loanTransactionHelper.makeMerchantIssuedRefund((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("8 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Merchant Refund |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "8 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "8 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Payout Refund |
| final PostLoansLoanIdTransactionsResponse payoutRefund_1 = loanTransactionHelper.makePayoutRefund((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Payout Refund |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "9 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "9 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "10 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "10 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| |
| // make overpaid repayment |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("11 September 2022").locale("en") |
| .transactionAmount(720.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal entries for overpaid repayment |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, "11 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "11 September 2022", |
| new JournalEntry(620, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "11 September 2022", |
| new JournalEntry(720, JournalEntry.TransactionType.DEBIT)); |
| |
| // CBR for making loan active again |
| final PostLoansLoanIdTransactionsResponse cbr_transaction = loanTransactionHelper.makeCreditBalanceRefund(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("12 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| // Charge Adjustment making loan overpaid |
| final PostLoansLoanIdChargesChargeIdResponse chargeAdjustmentResult = loanTransactionHelper.chargeAdjustment((long) loanId, |
| (long) feeLoanChargeId, new PostLoansLoanIdChargesChargeIdRequest().amount(10.0).locale("en")); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| String transactionDate = Utils.dateFormatter.format(todaysDate); |
| |
| // verify Journal entries for Charge Adjustment |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, transactionDate, |
| new JournalEntry(10, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, transactionDate, |
| new JournalEntry(10, JournalEntry.TransactionType.DEBIT)); |
| } |
| |
| @Test |
| public void loanChargeOffFraudAccountingTreatmentTestForCashBasedAccounting() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithCashBasedAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| // set loan as fraud |
| final String command = "markAsFraud"; |
| String payload = loanTransactionHelper.getLoanFraudPayloadAsJSON("fraud", "true"); |
| PutLoansLoanIdResponse putLoansLoanIdResponse = loanTransactionHelper.modifyLoanCommand(loanId, command, payload, |
| this.responseSpec); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| |
| // set loan as chargeoff |
| String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5); |
| Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1); |
| String transactionExternalId = UUID.randomUUID().toString(); |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("6 September 2022") |
| .locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries For ChargeOff Transaction |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| // make Repayment |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Repayment transaction |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "7 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "7 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Merchant Refund |
| final PostLoansLoanIdTransactionsResponse merchantIssuedRefund_1 = loanTransactionHelper.makeMerchantIssuedRefund((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("8 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Merchant Refund |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "8 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "8 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Payout Refund |
| final PostLoansLoanIdTransactionsResponse payoutRefund_1 = loanTransactionHelper.makePayoutRefund((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Payout Refund |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "9 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "9 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "10 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "10 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| |
| // make overpaid repayment |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("11 September 2022").locale("en") |
| .transactionAmount(720.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| assertTrue(loanDetails.getFraud()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal entries for overpaid repayment |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, "11 September 2022", |
| new JournalEntry(100, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "11 September 2022", |
| new JournalEntry(620, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "11 September 2022", |
| new JournalEntry(720, JournalEntry.TransactionType.DEBIT)); |
| |
| // CBR for making loan active again |
| final PostLoansLoanIdTransactionsResponse cbr_transaction = loanTransactionHelper.makeCreditBalanceRefund(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("12 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| // Charge Adjustment making loan overpaid |
| final PostLoansLoanIdChargesChargeIdResponse chargeAdjustmentResult = loanTransactionHelper.chargeAdjustment((long) loanId, |
| (long) feeLoanChargeId, new PostLoansLoanIdChargesChargeIdRequest().amount(10.0).locale("en")); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| String transactionDate = Utils.dateFormatter.format(todaysDate); |
| |
| // verify Journal entries for Charge Adjustment |
| this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, transactionDate, |
| new JournalEntry(10, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, transactionDate, |
| new JournalEntry(10, JournalEntry.TransactionType.DEBIT)); |
| } |
| |
| // Tests for Goodwill Credit accounting changes |
| @Test |
| public void loanAccountingTreatmentTestForGoodwillCreditPeriodicAccrualAccounting_NoChargeOff() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId,receivableFeeAccountId,receivablePenaltyAccountId,receivableInterestAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "110", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("06 September 2022").locale("en") |
| .transactionAmount(800.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(800, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(780, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| } |
| |
| @Test |
| public void loanAccountingTreatmentTestForGoodwillCreditPeriodicAccrualAccounting_ChargeOff() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId,receivableFeeAccountId,receivablePenaltyAccountId,receivableInterestAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithPeriodicAccrualAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| // set loan as chargeoff |
| String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5); |
| Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1); |
| String transactionExternalId = UUID.randomUUID().toString(); |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("6 September 2022") |
| .locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId)); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries For ChargeOff Transaction |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(1020, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("08 September 2022").locale("en") |
| .transactionAmount(800.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "8 September 2022", |
| new JournalEntry(800, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "8 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "8 September 2022", |
| new JournalEntry(780, JournalEntry.TransactionType.DEBIT)); |
| |
| } |
| |
| @Test |
| public void loanAccountingTreatmentTestForCashBasedAccounting_NoChargeOff() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithCashBasedAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("06 September 2022").locale("en") |
| .transactionAmount(800.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(780, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(10, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(10, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(780, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| } |
| |
| @Test |
| public void loanAccountingTreatmentTestForCashBasedAccounting_ChargeOff() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Product to GL account mapping for test |
| // ASSET |
| // -fundSourceAccountId,loanPortfolioAccountId,transfersInSuspenseAccountId |
| // INCOME-interestOnLoanAccountId,incomeFromFeeAccountId,incomeFromPenaltyAccountId,incomeFromRecoveryAccountId,incomeFromChargeOffInterestAccountId,incomeFromChargeOffFeesAccountId,incomeFromChargeOffPenaltyAccountId,incomeFromGoodwillCreditInterestAccountId,incomeFromGoodwillCreditFeesAccountId,incomeFromGoodwillCreditPenaltyAccountId |
| // EXPENSE-writeOffAccountId,goodwillCreditAccountId,chargeOffExpenseAccountId,chargeOffFraudExpenseAccountId |
| // LIABILITY-overpaymentLiabilityAccountId |
| |
| final Integer loanProductID = createLoanProductWithCashBasedAccounting(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // set loan as chargeoff |
| String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) + Utils.randomStringGenerator("is", 5); |
| Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1); |
| String transactionExternalId = UUID.randomUUID().toString(); |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("6 September 2022") |
| .locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries For ChargeOff Transaction |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| |
| // Goodwill Credit |
| final PostLoansLoanIdTransactionsResponse goodwillCredit_1 = loanTransactionHelper.makeGoodwillCredit((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en") |
| .transactionAmount(800.0)); |
| |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // verify Journal Entries for Goodwill Credit |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "6 September 2022", |
| new JournalEntry(1000, JournalEntry.TransactionType.DEBIT)); |
| this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, "6 September 2022", |
| new JournalEntry(20, JournalEntry.TransactionType.DEBIT)); |
| } |
| |
| @Test |
| public void noIncomeRecognitionAfterChargeOff() { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 5)); |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer loanProductId = this.createLoanProductWithInterestRecalculation(assetAccount, incomeAccount, expenseAccount, |
| overpaymentAccount); |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| final Integer loanId = this.createLoanEntityWithEntitiesForTestResceduleWithLatePayment(clientId, loanProductId); |
| |
| // apply charges |
| Integer feeCharge = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| LocalDate targetDate = LocalDate.of(2022, 9, 5); |
| final String feeCharge1AddedDate = dateFormatter.format(targetDate); |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10")); |
| |
| // apply penalty |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| final String penaltyCharge1AddedDate = dateFormatter.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 6)); |
| inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue())); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement()); |
| assertTrue(loanDetails.getTransactions().get(1).getType().getAccrual()); |
| assertEquals(2, loanDetails.getTransactions().size()); |
| |
| // set loan as chargeoff |
| String randomText = Utils.randomStringGenerator("en", 5) + Utils.randomNumberGenerator(6) |
| + Utils.randomStringGenerator("is", 5); |
| Integer chargeOffReasonId = CodeHelper.createChargeOffCodeValue(requestSpec, responseSpec, randomText, 1); |
| String transactionExternalId = UUID.randomUUID().toString(); |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().transactionDate("6 September 2020").locale("en").dateFormat("dd MMMM yyyy") |
| .externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId)); |
| loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId); |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertTrue(loanDetails.getChargedOff()); |
| |
| // no accrual |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 7)); |
| inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue())); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement()); |
| assertTrue(loanDetails.getTransactions().get(1).getType().getAccrual()); |
| assertTrue(loanDetails.getTransactions().get(2).getType().getChargeoff()); |
| assertEquals(3, loanDetails.getTransactions().size()); |
| |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 8)); |
| inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue())); |
| this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(dateFormatter.format(LocalDate.of(2020, 9, 8))); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement()); |
| assertTrue(loanDetails.getTransactions().get(1).getType().getAccrual()); |
| assertTrue(loanDetails.getTransactions().get(2).getType().getChargeoff()); |
| assertEquals(3, loanDetails.getTransactions().size()); |
| |
| loanTransactionHelper.undoChargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest()); |
| // generate accrual again |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 9)); |
| inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue())); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement()); |
| assertTrue(loanDetails.getTransactions().get(1).getType().getAccrual()); |
| assertTrue(loanDetails.getTransactions().get(2).getType().getChargeoff()); |
| assertTrue(loanDetails.getTransactions().get(3).getType().getAccrual()); |
| assertEquals(4, loanDetails.getTransactions().size()); |
| |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, LocalDate.of(2020, 9, 10)); |
| |
| this.loanTransactionHelper.chargeOffLoan((long) loanId, |
| new PostLoansLoanIdTransactionsRequest().transactionDate("10 September 2020").locale("en").dateFormat("dd MMMM yyyy") |
| .chargeOffReasonId((long) chargeOffReasonId)); |
| |
| loanTransactionHelper.makeLoanRepayment(loanId.longValue(), new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy") |
| .transactionDate("10 September 2020").locale("en").transactionAmount(15825.23)); |
| inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue())); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement()); |
| assertTrue(loanDetails.getTransactions().get(1).getType().getAccrual()); |
| assertTrue(loanDetails.getTransactions().get(2).getType().getChargeoff()); |
| assertTrue(loanDetails.getTransactions().get(3).getType().getAccrual()); |
| assertTrue(loanDetails.getTransactions().get(4).getType().getChargeoff()); |
| assertTrue(loanDetails.getTransactions().get(5).getType().getRepayment()); |
| assertEquals(6, loanDetails.getTransactions().size()); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| private Integer createLoanAccount(final Integer clientID, final Integer loanProductID, final String externalId) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1") |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments("1").withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance() |
| .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod() |
| .withExpectedDisbursementDate("03 September 2022").withSubmittedOnDate("01 September 2022").withLoanType("individual") |
| .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null); |
| |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null); |
| loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanId, "1000"); |
| return loanId; |
| } |
| |
| private Integer createLoanProductWithPeriodicAccrualAccounting(final Account... accounts) { |
| |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentAfterEvery("1") |
| .withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat() |
| .withAccountingRulePeriodicAccrual(accounts).withDaysInMonth("30").withDaysInYear("365").withMoratorium("0", "0") |
| .build(null); |
| |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer createLoanProductWithInterestRecalculation(final Account... accounts) { |
| final String interestRecalculationCompoundingMethod = LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_NONE; |
| final String rescheduleStrategyMethod = LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_NUMBER_OF_INSTALLMENTS; |
| final String recalculationRestFrequencyType = LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY; |
| final String recalculationRestFrequencyInterval = "0"; |
| final String preCloseInterestCalculationStrategy = LoanProductTestBuilder.INTEREST_APPLICABLE_STRATEGY_ON_PRE_CLOSE_DATE; |
| final String recalculationCompoundingFrequencyType = null; |
| final String recalculationCompoundingFrequencyInterval = null; |
| final Integer recalculationCompoundingFrequencyOnDayType = null; |
| final Integer recalculationCompoundingFrequencyDayOfWeekType = null; |
| final Integer recalculationRestFrequencyOnDayType = null; |
| final Integer recalculationRestFrequencyDayOfWeekType = null; |
| |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("100000.00").withNumberOfRepayments("12") |
| .withinterestRatePerPeriod("18").withInterestRateFrequencyTypeAsYear().withInterestTypeAsDecliningBalance() |
| .withInterestCalculationPeriodTypeAsDays() |
| .withInterestRecalculationDetails(interestRecalculationCompoundingMethod, rescheduleStrategyMethod, |
| preCloseInterestCalculationStrategy) |
| .withInterestRecalculationRestFrequencyDetails(recalculationRestFrequencyType, recalculationRestFrequencyInterval, |
| recalculationRestFrequencyOnDayType, recalculationRestFrequencyDayOfWeekType) |
| .withInterestRecalculationCompoundingFrequencyDetails(recalculationCompoundingFrequencyType, |
| recalculationCompoundingFrequencyInterval, recalculationCompoundingFrequencyOnDayType, |
| recalculationCompoundingFrequencyDayOfWeekType) |
| .withAccountingRulePeriodicAccrual(accounts).build(null); |
| |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer createLoanProductWithCashBasedAccounting(final Account... accounts) { |
| |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentAfterEvery("1") |
| .withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat() |
| .withAccountingRuleAsCashBased(accounts).withDaysInMonth("30").withDaysInYear("365").withMoratorium("0", "0").build(null); |
| |
| return this.loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private Integer createLoanEntityWithEntitiesForTestResceduleWithLatePayment(Integer clientId, Integer loanProductId) { |
| String firstRepaymentDate = "02 September 2020"; |
| String submittedDate = "02 September 2020"; |
| |
| final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("15000").withLoanTermFrequency("12") |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments("12").withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withAmortizationTypeAsEqualInstallments().withInterestCalculationPeriodTypeAsDays() |
| .withInterestRatePerPeriod("12").withInterestTypeAsDecliningBalance().withSubmittedOnDate(submittedDate) |
| .withExpectedDisbursementDate(submittedDate).withFirstRepaymentDate(firstRepaymentDate) |
| .withRepaymentStrategy( |
| LoanApplicationTestBuilder.DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY) |
| .withinterestChargedFromDate(submittedDate).build(clientId.toString(), loanProductId.toString(), null); |
| |
| Integer loanId = this.loanTransactionHelper.getLoanId(loanApplicationJSON); |
| |
| this.loanTransactionHelper.approveLoan(submittedDate, loanId); |
| this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount(submittedDate, loanId, "10000.00"); |
| return loanId; |
| } |
| |
| } |
