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

 /**
  * Licensed to the Apache Software Foundation (ASF) under one
  * or more contributor license agreements. See the NOTICE file
  * distributed with this work for additional information
  * regarding copyright ownership. The ASF licenses this file
  * to you under the Apache License, Version 2.0 (the
  * "License"); you may not use this file except in compliance
  * with the License. You may obtain a copy of the License at
  *
  * http://www.apache.org/licenses/LICENSE-2.0
  *
  * Unless required by applicable law or agreed to in writing,
  * software distributed under the License is distributed on an
  * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
  * KIND, either express or implied. See the License for the
  * specific language governing permissions and limitations
  * under the License.
  */
 package org.apache.fineract.integrationtests;

 import static org.junit.jupiter.api.Assertions.assertEquals;
 import static org.junit.jupiter.api.Assertions.assertThrows;
 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.ArrayList;
 import java.util.Arrays;
 import java.util.HashMap;
 import java.util.List;
 import java.util.UUID;
 import java.util.concurrent.atomic.AtomicInteger;
 import org.apache.fineract.client.models.AdvancedPaymentData;
 import org.apache.fineract.client.models.GetLoansLoanIdResponse;
 import org.apache.fineract.client.models.PaymentAllocationOrder;
 import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
 import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
 import org.apache.fineract.client.models.PostLoansLoanIdTransactionsTransactionIdRequest;
 import org.apache.fineract.client.util.CallFailedRuntimeException;
 import org.apache.fineract.integrationtests.common.ClientHelper;
 import org.apache.fineract.integrationtests.common.Utils;
 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.LoanTransactionHelper;
 import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
 import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
 import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
 import org.junit.jupiter.api.Assertions;
 import org.junit.jupiter.api.BeforeAll;
 import org.junit.jupiter.api.Test;

 public class LoanWriteOffWithAdvancedPaymentAllocationTest {

     private static LoanTransactionHelper LOAN_TRANSACTION_HELPER;
     private static ResponseSpecification RESPONSE_SPEC;
     private static RequestSpecification REQUEST_SPEC;
     private static ClientHelper CLIENT_HELPER;
     private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();

     @BeforeAll
     public static void setupTests() {
         Utils.initializeRESTAssured();
         REQUEST_SPEC = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
         REQUEST_SPEC.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
         RESPONSE_SPEC = new ResponseSpecBuilder().expectStatusCode(200).build();
         LOAN_TRANSACTION_HELPER = new LoanTransactionHelper(REQUEST_SPEC, RESPONSE_SPEC);
         CLIENT_HELPER = new ClientHelper(REQUEST_SPEC, RESPONSE_SPEC);
     }

     @Test
     public void loanWriteOffWithAdvancedPaymentAllocationTest() {
         // create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
         // allocation as NEXT_INSTALLMENT
         String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
         AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

         Integer loanProductId = createLoanProduct(defaultAllocation);
         Assertions.assertNotNull(loanProductId);

         String loanExternalIdStr = UUID.randomUUID().toString();
         final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
         final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

         // apply charges
         Integer feeCharge = ChargesHelper.createCharges(REQUEST_SPEC, RESPONSE_SPEC,
                 ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "200", false));

         LocalDate targetDate = LocalDate.of(2022, 9, 5);
         final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
         Integer feeLoanChargeId = LOAN_TRANSACTION_HELPER.addChargesForLoan(loanId,
                 LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "200"));

         // make Repayment
         final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
                         .transactionAmount(100.0));

         // write off loan and verify amount
         final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
                         .note("test WriteOff"));

         GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
         assertTrue(loanDetails.getStatus().getClosedWrittenOff());

         // verify amounts for write-off transaction
         verifyTransaction(LocalDate.of(2022, 9, 10), 1100.0f, 1000.0f, 0.0f, 100.0f, 0.0f, loanId, "writeOff");

     }

     @Test
     public void loanUndoRepaymentAfterWriteOffShouldGiveErrorTest() {
         // create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
         // allocation as NEXT_INSTALLMENT
         String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
         AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

         Integer loanProductId = createLoanProduct(defaultAllocation);
         Assertions.assertNotNull(loanProductId);

         String loanExternalIdStr = UUID.randomUUID().toString();
         final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
         final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

         // make Repayment
         final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
                         .transactionAmount(250.0));

         // write off loan
         final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
                         .note("test WriteOff"));

         GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
         assertTrue(loanDetails.getStatus().getClosedWrittenOff());

         // reverse repayment
         CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
                 () -> LOAN_TRANSACTION_HELPER.reverseLoanTransaction(loanExternalIdStr, repaymentTransaction.getResourceId(),
                         new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("9 September 2022").locale("en")
                                 .dateFormat("dd MMMM yyyy").transactionAmount(0.0)));

         assertEquals(503, exception.getResponse().code());
         assertTrue(exception.getMessage().contains("error.msg.loan.written.off.update.not.allowed"));
     }

     @Test
     public void loanBackdatedRepaymentAfterWriteOffShouldGiveErrorTest() {
         // create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
         // allocation as NEXT_INSTALLMENT
         String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
         AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

         Integer loanProductId = createLoanProduct(defaultAllocation);
         Assertions.assertNotNull(loanProductId);

         String loanExternalIdStr = UUID.randomUUID().toString();
         final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
         final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

         // make Repayment
         final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
                         .transactionAmount(250.0));

         // write off loan
         final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
                         .note("test WriteOff"));

         GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
         assertTrue(loanDetails.getStatus().getClosedWrittenOff());

         // backdate repayment after write-off
         CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
                 () -> LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest()
                         .dateFormat("dd MMMM yyyy").transactionDate("8 September 2022").locale("en").transactionAmount(50.0)));

         assertEquals(400, exception.getResponse().code());
         assertTrue(exception.getMessage().contains("error.msg.loan.must.be.active.fully.paid.or.overpaid"));
     }

     @Test
     public void loanUndoWriteOffShouldGiveErrorTest() {
         // create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
         // allocation as NEXT_INSTALLMENT
         String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
         AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

         Integer loanProductId = createLoanProduct(defaultAllocation);
         Assertions.assertNotNull(loanProductId);

         String loanExternalIdStr = UUID.randomUUID().toString();
         final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
         final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

         // make Repayment
         final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
                         .transactionAmount(250.0));

         // write off loan
         final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
                 new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
                         .note("test WriteOff"));

         GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
         assertTrue(loanDetails.getStatus().getClosedWrittenOff());

         // reverse write-off
         CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
                 () -> LOAN_TRANSACTION_HELPER.reverseLoanTransaction(loanExternalIdStr, writeOffTransaction.getResourceId(),
                         new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("8 September 2022").locale("en")
                                 .dateFormat("dd MMMM yyyy").transactionAmount(0.0)));

         assertEquals(503, exception.getResponse().code());
         assertTrue(exception.getMessage().contains("error.msg.loan.written.off.update.not.allowed"));
     }

     private Integer createLoanProduct(AdvancedPaymentData... advancedPaymentData) {
         String loanProductCreateJSON = new LoanProductTestBuilder().withPrincipal("15,000.00").withNumberOfRepayments("4")
                 .withRepaymentAfterEvery("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("1")
                 .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualInstallments().withInterestTypeAsDecliningBalance()
                 .addAdvancedPaymentAllocation(advancedPaymentData).withLoanScheduleType(LoanScheduleType.PROGRESSIVE)
                 .withLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL).build();
         return LOAN_TRANSACTION_HELPER.getLoanProductId(loanProductCreateJSON);

     }

     private AdvancedPaymentData createDefaultPaymentAllocation(String futureInstallmentAllocationRule) {
         AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
         advancedPaymentData.setTransactionType("DEFAULT");
         advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule);

         List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
                 PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
                 PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
                 PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
                 PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);

         advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
         return advancedPaymentData;
     }

     private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
         AtomicInteger integer = new AtomicInteger(1);
         return Arrays.stream(paymentAllocationTypes).map(pat -> {
             PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
             paymentAllocationOrder.setPaymentAllocationRule(pat.name());
             paymentAllocationOrder.setOrder(integer.getAndIncrement());
             return paymentAllocationOrder;
         }).toList();
     }

     private Integer createLoanAccountAndDisbursePrincipalAmount(final Integer clientID, final Integer loanProductID,
             final String externalId) {

         String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
                 .withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
                 .withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
                 .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 September 2022")
                 .withSubmittedOnDate("01 September 2022").withLoanType("individual").withExternalId(externalId)
                 .withRepaymentStrategy("advanced-payment-allocation-strategy").build(clientID.toString(), loanProductID.toString(), null);

         final Integer loanId = LOAN_TRANSACTION_HELPER.getLoanId(loanApplicationJSON);
         LOAN_TRANSACTION_HELPER.approveLoan("02 September 2022", "1000", loanId, null);
         LOAN_TRANSACTION_HELPER.disburseLoanWithTransactionAmount("03 September 2022", loanId, "1000");
         return loanId;
     }

     private void verifyTransaction(final LocalDate transactionDate, final Float transactionAmount, final Float principalPortion,
             final Float interestPortion, final Float feePortion, final Float penaltyPortion, final Integer loanID,
             final String transactionOfType) {
         ArrayList<HashMap> transactions = (ArrayList<HashMap>) LOAN_TRANSACTION_HELPER.getLoanTransactions(REQUEST_SPEC, RESPONSE_SPEC,
                 loanID);
         boolean isTransactionFound = false;
         for (int i = 0; i < transactions.size(); i++) {
             HashMap transactionType = (HashMap) transactions.get(i).get("type");
             boolean isTransaction = (Boolean) transactionType.get(transactionOfType);

             if (isTransaction) {
                 ArrayList<Integer> transactionDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
                 LocalDate transactionEntryDate = LocalDate.of(transactionDateAsArray.get(0), transactionDateAsArray.get(1),
                         transactionDateAsArray.get(2));

                 if (transactionDate.isEqual(transactionEntryDate)) {
                     isTransactionFound = true;
                     assertEquals(transactionAmount, Float.valueOf(String.valueOf(transactions.get(i).get("amount"))),
                             "Mismatch in transaction amounts");
                     assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
                             "Mismatch in transaction amounts");
                     assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
                             "Mismatch in transaction amounts");
                     assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
                             "Mismatch in transaction amounts");
                     assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
                             "Mismatch in transaction amounts");
                     break;
                 }
             }
         }
         assertTrue(isTransactionFound, "No Transaction entries are posted");
     }

 }
	/**
	* 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.assertThrows;
	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.ArrayList;
	import java.util.Arrays;
	import java.util.HashMap;
	import java.util.List;
	import java.util.UUID;
	import java.util.concurrent.atomic.AtomicInteger;
	import org.apache.fineract.client.models.AdvancedPaymentData;
	import org.apache.fineract.client.models.GetLoansLoanIdResponse;
	import org.apache.fineract.client.models.PaymentAllocationOrder;
	import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
	import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
	import org.apache.fineract.client.models.PostLoansLoanIdTransactionsTransactionIdRequest;
	import org.apache.fineract.client.util.CallFailedRuntimeException;
	import org.apache.fineract.integrationtests.common.ClientHelper;
	import org.apache.fineract.integrationtests.common.Utils;
	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.LoanTransactionHelper;
	import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
	import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
	import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
	import org.junit.jupiter.api.Assertions;
	import org.junit.jupiter.api.BeforeAll;
	import org.junit.jupiter.api.Test;

	public class LoanWriteOffWithAdvancedPaymentAllocationTest {

	private static LoanTransactionHelper LOAN_TRANSACTION_HELPER;
	private static ResponseSpecification RESPONSE_SPEC;
	private static RequestSpecification REQUEST_SPEC;
	private static ClientHelper CLIENT_HELPER;
	private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();

	@BeforeAll
	public static void setupTests() {
	Utils.initializeRESTAssured();
	REQUEST_SPEC = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
	REQUEST_SPEC.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
	RESPONSE_SPEC = new ResponseSpecBuilder().expectStatusCode(200).build();
	LOAN_TRANSACTION_HELPER = new LoanTransactionHelper(REQUEST_SPEC, RESPONSE_SPEC);
	CLIENT_HELPER = new ClientHelper(REQUEST_SPEC, RESPONSE_SPEC);
	}

	@Test
	public void loanWriteOffWithAdvancedPaymentAllocationTest() {
	// create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
	// allocation as NEXT_INSTALLMENT
	String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
	AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

	Integer loanProductId = createLoanProduct(defaultAllocation);
	Assertions.assertNotNull(loanProductId);

	String loanExternalIdStr = UUID.randomUUID().toString();
	final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
	final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

	// apply charges
	Integer feeCharge = ChargesHelper.createCharges(REQUEST_SPEC, RESPONSE_SPEC,
	ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "200", false));

	LocalDate targetDate = LocalDate.of(2022, 9, 5);
	final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
	Integer feeLoanChargeId = LOAN_TRANSACTION_HELPER.addChargesForLoan(loanId,
	LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "200"));

	// make Repayment
	final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
	.transactionAmount(100.0));

	// write off loan and verify amount
	final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
	.note("test WriteOff"));

	GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
	assertTrue(loanDetails.getStatus().getClosedWrittenOff());

	// verify amounts for write-off transaction
	verifyTransaction(LocalDate.of(2022, 9, 10), 1100.0f, 1000.0f, 0.0f, 100.0f, 0.0f, loanId, "writeOff");

	}

	@Test
	public void loanUndoRepaymentAfterWriteOffShouldGiveErrorTest() {
	// create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
	// allocation as NEXT_INSTALLMENT
	String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
	AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

	Integer loanProductId = createLoanProduct(defaultAllocation);
	Assertions.assertNotNull(loanProductId);

	String loanExternalIdStr = UUID.randomUUID().toString();
	final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
	final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

	// make Repayment
	final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
	.transactionAmount(250.0));

	// write off loan
	final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
	.note("test WriteOff"));

	GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
	assertTrue(loanDetails.getStatus().getClosedWrittenOff());

	// reverse repayment
	CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
	() -> LOAN_TRANSACTION_HELPER.reverseLoanTransaction(loanExternalIdStr, repaymentTransaction.getResourceId(),
	new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("9 September 2022").locale("en")
	.dateFormat("dd MMMM yyyy").transactionAmount(0.0)));

	assertEquals(503, exception.getResponse().code());
	assertTrue(exception.getMessage().contains("error.msg.loan.written.off.update.not.allowed"));
	}

	@Test
	public void loanBackdatedRepaymentAfterWriteOffShouldGiveErrorTest() {
	// create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
	// allocation as NEXT_INSTALLMENT
	String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
	AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

	Integer loanProductId = createLoanProduct(defaultAllocation);
	Assertions.assertNotNull(loanProductId);

	String loanExternalIdStr = UUID.randomUUID().toString();
	final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
	final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

	// make Repayment
	final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
	.transactionAmount(250.0));

	// write off loan
	final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
	.note("test WriteOff"));

	GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
	assertTrue(loanDetails.getStatus().getClosedWrittenOff());

	// backdate repayment after write-off
	CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
	() -> LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest()
	.dateFormat("dd MMMM yyyy").transactionDate("8 September 2022").locale("en").transactionAmount(50.0)));

	assertEquals(400, exception.getResponse().code());
	assertTrue(exception.getMessage().contains("error.msg.loan.must.be.active.fully.paid.or.overpaid"));
	}

	@Test
	public void loanUndoWriteOffShouldGiveErrorTest() {
	// create loan product with Advanced Payment Allocation Strategy with default allocation with future installment
	// allocation as NEXT_INSTALLMENT
	String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
	AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);

	Integer loanProductId = createLoanProduct(defaultAllocation);
	Assertions.assertNotNull(loanProductId);

	String loanExternalIdStr = UUID.randomUUID().toString();
	final Integer clientId = CLIENT_HELPER.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
	final Integer loanId = createLoanAccountAndDisbursePrincipalAmount(clientId, loanProductId, loanExternalIdStr);

	// make Repayment
	final PostLoansLoanIdTransactionsResponse repaymentTransaction = LOAN_TRANSACTION_HELPER.makeLoanRepayment(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
	.transactionAmount(250.0));

	// write off loan
	final PostLoansLoanIdTransactionsResponse writeOffTransaction = LOAN_TRANSACTION_HELPER.writeOffLoanAccount(loanExternalIdStr,
	new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("10 September 2022").locale("en")
	.note("test WriteOff"));

	GetLoansLoanIdResponse loanDetails = LOAN_TRANSACTION_HELPER.getLoanDetails((long) loanId);
	assertTrue(loanDetails.getStatus().getClosedWrittenOff());

	// reverse write-off
	CallFailedRuntimeException exception = assertThrows(CallFailedRuntimeException.class,
	() -> LOAN_TRANSACTION_HELPER.reverseLoanTransaction(loanExternalIdStr, writeOffTransaction.getResourceId(),
	new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("8 September 2022").locale("en")
	.dateFormat("dd MMMM yyyy").transactionAmount(0.0)));

	assertEquals(503, exception.getResponse().code());
	assertTrue(exception.getMessage().contains("error.msg.loan.written.off.update.not.allowed"));
	}

	private Integer createLoanProduct(AdvancedPaymentData... advancedPaymentData) {
	String loanProductCreateJSON = new LoanProductTestBuilder().withPrincipal("15,000.00").withNumberOfRepayments("4")
	.withRepaymentAfterEvery("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("1")
	.withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualInstallments().withInterestTypeAsDecliningBalance()
	.addAdvancedPaymentAllocation(advancedPaymentData).withLoanScheduleType(LoanScheduleType.PROGRESSIVE)
	.withLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL).build();
	return LOAN_TRANSACTION_HELPER.getLoanProductId(loanProductCreateJSON);

	}

	private AdvancedPaymentData createDefaultPaymentAllocation(String futureInstallmentAllocationRule) {
	AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
	advancedPaymentData.setTransactionType("DEFAULT");
	advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule);

	List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
	PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
	PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
	PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
	PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);

	advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
	return advancedPaymentData;
	}

	private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
	AtomicInteger integer = new AtomicInteger(1);
	return Arrays.stream(paymentAllocationTypes).map(pat -> {
	PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
	paymentAllocationOrder.setPaymentAllocationRule(pat.name());
	paymentAllocationOrder.setOrder(integer.getAndIncrement());
	return paymentAllocationOrder;
	}).toList();
	}

	private Integer createLoanAccountAndDisbursePrincipalAmount(final Integer clientID, final Integer loanProductID,
	final String externalId) {

	String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
	.withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
	.withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
	.withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 September 2022")
	.withSubmittedOnDate("01 September 2022").withLoanType("individual").withExternalId(externalId)
	.withRepaymentStrategy("advanced-payment-allocation-strategy").build(clientID.toString(), loanProductID.toString(), null);

	final Integer loanId = LOAN_TRANSACTION_HELPER.getLoanId(loanApplicationJSON);
	LOAN_TRANSACTION_HELPER.approveLoan("02 September 2022", "1000", loanId, null);
	LOAN_TRANSACTION_HELPER.disburseLoanWithTransactionAmount("03 September 2022", loanId, "1000");
	return loanId;
	}

	private void verifyTransaction(final LocalDate transactionDate, final Float transactionAmount, final Float principalPortion,
	final Float interestPortion, final Float feePortion, final Float penaltyPortion, final Integer loanID,
	final String transactionOfType) {
	ArrayList<HashMap> transactions = (ArrayList<HashMap>) LOAN_TRANSACTION_HELPER.getLoanTransactions(REQUEST_SPEC, RESPONSE_SPEC,
	loanID);
	boolean isTransactionFound = false;
	for (int i = 0; i < transactions.size(); i++) {
	HashMap transactionType = (HashMap) transactions.get(i).get("type");
	boolean isTransaction = (Boolean) transactionType.get(transactionOfType);

	if (isTransaction) {
	ArrayList<Integer> transactionDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
	LocalDate transactionEntryDate = LocalDate.of(transactionDateAsArray.get(0), transactionDateAsArray.get(1),
	transactionDateAsArray.get(2));

	if (transactionDate.isEqual(transactionEntryDate)) {
	isTransactionFound = true;
	assertEquals(transactionAmount, Float.valueOf(String.valueOf(transactions.get(i).get("amount"))),
	"Mismatch in transaction amounts");
	assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
	"Mismatch in transaction amounts");
	assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
	"Mismatch in transaction amounts");
	assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
	"Mismatch in transaction amounts");
	assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
	"Mismatch in transaction amounts");
	break;
	}
	}
	}
	assertTrue(isTransactionFound, "No Transaction entries are posted");
	}

	}