| /** |
| * 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 com.fasterxml.jackson.databind.ObjectMapper; |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.List; |
| import java.util.concurrent.atomic.AtomicReference; |
| import java.util.function.Consumer; |
| import lombok.extern.slf4j.Slf4j; |
| import org.apache.fineract.avro.loan.v1.LoanAccountDataV1; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.infrastructure.event.external.data.ExternalEventResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.externalevents.ExternalEventHelper; |
| import org.junit.jupiter.api.Assertions; |
| import org.junit.jupiter.api.Test; |
| |
| @Slf4j |
| public class LoanNextPaymentDueAmountIntegrationTest extends BaseLoanIntegrationTest { |
| |
| ObjectMapper objectMapper = new ObjectMapper(); |
| private static final String LOAN_ACCOUNT_DATA_V_1 = "org.apache.fineract.avro.loan.v1.LoanAccountDataV1"; |
| |
| @Test |
| void test_progressive_interest_noRecalculation() { |
| externalEventHelper.enableBusinessEvent("LoanApprovedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanBalanceChangedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanDisbursalBusinessEvent"); |
| AtomicReference<Long> loanIdRef = new AtomicReference<>(); |
| runAt("15 January 2023", () -> { |
| |
| Long clientId = ClientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| Long loanProductId = loanProductHelper.createLoanProduct(create4IProgressive().isInterestRecalculationEnabled(false)) |
| .getResourceId(); |
| |
| Long loanId = applyAndApproveProgressiveLoan(clientId, loanProductId, "01 January 2023", 100.0, 9.9, 4, null); |
| loanIdRef.set(loanId); |
| |
| deleteAllExternalEvents(); |
| loanTransactionHelper.disburseLoan(loanId, "01 January 2023", 100.0); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(100.000000, null, "01 January 2023"), // |
| installment(24.700000, 0.820000, 25.520000, false, "01 February 2023"), // |
| installment(24.900000, 0.620000, 25.520000, false, "01 March 2023"), // |
| installment(25.100000, 0.420000, 25.520000, false, "01 April 2023"), // |
| installment(25.300000, 0.210000, 25.510000, false, "01 May 2023") // |
| ); |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-02-01", 25.52d); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("31 January 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("1 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("2 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| } |
| |
| @Test |
| void test_progressive_interest_noRecalculation_prepay() { |
| externalEventHelper.enableBusinessEvent("LoanApprovedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanBalanceChangedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanDisbursalBusinessEvent"); |
| AtomicReference<Long> loanIdRef = new AtomicReference<>(); |
| runAt("15 January 2023", () -> { |
| |
| Long clientId = ClientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| Long loanProductId = loanProductHelper.createLoanProduct(create4IProgressive().isInterestRecalculationEnabled(false)) |
| .getResourceId(); |
| |
| Long loanId = applyAndApproveProgressiveLoan(clientId, loanProductId, "01 January 2023", 100.0, 9.9, 4, null); |
| loanIdRef.set(loanId); |
| |
| deleteAllExternalEvents(); |
| loanTransactionHelper.disburseLoan(loanId, "01 January 2023", 100.0); |
| |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-02-01", 25.52d); |
| |
| deleteAllExternalEvents(); |
| addRepaymentForLoan(loanId, 25.52d, "15 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(100.000000, null, "01 January 2023"), // |
| installment(24.700000, 0.820000, 0.0, true, "01 February 2023"), // |
| installment(24.900000, 0.620000, 25.520000, false, "01 March 2023"), // |
| installment(25.100000, 0.420000, 25.520000, false, "01 April 2023"), // |
| installment(25.300000, 0.210000, 25.510000, false, "01 May 2023") // |
| ); |
| |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-03-01", 25.52d); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("31 January 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("1 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("2 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("2 March 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| deleteAllExternalEvents(); |
| addRepaymentForLoan(loanId, 25.52d, "02 March 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(100.000000, null, "01 January 2023"), // |
| installment(24.700000, 0.820000, 0.0, true, "01 February 2023"), // |
| installment(24.900000, 0.620000, 0.0, true, "01 March 2023"), // |
| installment(25.100000, 0.420000, 25.520000, false, "01 April 2023"), // |
| installment(25.300000, 0.210000, 25.510000, false, "01 May 2023") // |
| ); |
| |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-04-01", 25.52d); |
| |
| }); |
| } |
| |
| @Test |
| void test_progressive_interest_recalculation_sameAsRepaymentPeriod() { |
| externalEventHelper.enableBusinessEvent("LoanApprovedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanBalanceChangedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanDisbursalBusinessEvent"); |
| AtomicReference<Long> loanIdRef = new AtomicReference<>(); |
| runAt("15 February 2023", () -> { |
| |
| Long clientId = ClientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| Long loanProductId = loanProductHelper |
| .createLoanProduct(create4IProgressive().isInterestRecalculationEnabled(true).recalculationRestFrequencyInterval(1) |
| .recalculationRestFrequencyType(RecalculationRestFrequencyType.SAME_AS_REPAYMENT_PERIOD)) |
| .getResourceId(); |
| |
| Long loanId = applyAndApproveProgressiveLoan(clientId, loanProductId, "01 January 2023", 100.0, 9.9, 4, null); |
| loanIdRef.set(loanId); |
| |
| deleteAllExternalEvents(); |
| loanTransactionHelper.disburseLoan(loanId, "01 January 2023", 100.0); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(100.000000, null, "01 January 2023"), // |
| installment(24.700000, 0.820000, 25.520000, false, "01 February 2023"), // |
| installment(24.800000, 0.720000, 25.520000, false, "01 March 2023"), // |
| installment(25.100000, 0.420000, 25.520000, false, "01 April 2023"), // |
| installment(25.400000, 0.210000, 25.610000, false, "01 May 2023") // |
| ); |
| |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-02-01", 25.52d); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("31 January 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("1 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("2 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 2, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| } |
| |
| @Test |
| void test_progressive_interest_recalculation_daily() { |
| externalEventHelper.enableBusinessEvent("LoanApprovedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanBalanceChangedBusinessEvent"); |
| externalEventHelper.enableBusinessEvent("LoanDisbursalBusinessEvent"); |
| AtomicReference<Long> loanIdRef = new AtomicReference<>(); |
| runAt("15 February 2023", () -> { |
| |
| Long clientId = ClientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| Long loanProductId = loanProductHelper.createLoanProduct(create4IProgressive().isInterestRecalculationEnabled(true) |
| .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY).recalculationRestFrequencyInterval(1) |
| .recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)).getResourceId(); |
| |
| Long loanId = applyAndApproveProgressiveLoan(clientId, loanProductId, "01 January 2023", 100.0, 9.9, 4, null); |
| |
| loanIdRef.set(loanId); |
| |
| deleteAllExternalEvents(); |
| loanTransactionHelper.disburseLoan(loanId, "01 January 2023", 100.0); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(100.000000, null, "01 January 2023"), // |
| installment(24.700000, 0.820000, 25.520000, false, "01 February 2023"), // |
| installment(24.800000, 0.720000, 25.520000, false, "01 March 2023"), // |
| installment(25.100000, 0.420000, 25.520000, false, "01 April 2023"), // |
| installment(25.400000, 0.210000, 25.610000, false, "01 May 2023") // |
| ); |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-02-01", 25.52d); |
| |
| deleteAllExternalEvents(); |
| addRepaymentForLoan(loanId, 25.52d, "15 January 2023"); |
| |
| verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount("2023-03-01", 25.52d); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| |
| }); |
| runAt("31 January 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("1 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| runAt("2 February 2023", () -> { |
| Long loanId = loanIdRef.get(); |
| inlineLoanCOBHelper.executeInlineCOB(loanId); |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId); |
| verifyNextPayment(loanDetails, LocalDate.of(2023, 3, 1), BigDecimal.valueOf(25.52d)); |
| }); |
| |
| } |
| |
| /** |
| * verifies that all the external events which has org.apache.fineract.avro.loan.v1.LoanAccountDataV1 types payload |
| * has the correct nextPaymentDueDate and nextPaymentDueAmount |
| * |
| * @param dueDate |
| * expected due date formatted yyyy-MM-dd format (ie 2023-12-31 ) |
| * @param amount |
| * expected amount |
| */ |
| private void verifyAllLoanAccountTypedExternalEventHasNextPaymentDueAmount(String dueDate, Double amount) { |
| List<ExternalEventResponse> allExternalEvents = ExternalEventHelper.getAllExternalEvents(requestSpec, responseSpec); |
| allExternalEvents.stream().filter(e -> LOAN_ACCOUNT_DATA_V_1.equals(e.getSchema())) |
| .forEach(event -> verifyLoanEvent(event, data -> verifyNextPayment(data, dueDate, BigDecimal.valueOf(amount)))); |
| |
| } |
| |
| // utility |
| LoanAccountDataV1 convertLoan(ExternalEventResponse externalEventDTO) { |
| if (LOAN_ACCOUNT_DATA_V_1.equals(externalEventDTO.getSchema())) { |
| return objectMapper.convertValue(externalEventDTO.getPayLoad(), LoanAccountDataV1.class); |
| } else { |
| throw new RuntimeException("Unexpected schema: " + externalEventDTO.getSchema()); |
| } |
| } |
| |
| void verifyLoanEvent(ExternalEventResponse externalEventDTO, Consumer<LoanAccountDataV1> validator) { |
| validator.accept(convertLoan(externalEventDTO)); |
| } |
| |
| void verifyNextPayment(LoanAccountDataV1 loanAccountData, String nextPaymentDueDate, BigDecimal nextPaymentAmount) { |
| Assertions.assertNotNull(loanAccountData, "loanDetails should not be null"); |
| Assertions.assertNotNull(loanAccountData.getDelinquent(), "loanDetails.delinquent should not be null"); |
| String nextPaymentDueDateActual = loanAccountData.getDelinquent().getNextPaymentDueDate(); |
| BigDecimal nextPaymentAmountActual = loanAccountData.getDelinquent().getNextPaymentAmount(); |
| log.info("Verify ExternalEventResponse nextPaymentDueDate. Expected: {}, Actual: {}", nextPaymentDueDate, nextPaymentDueDateActual); |
| Assertions.assertEquals(nextPaymentDueDate, nextPaymentDueDateActual); |
| log.info("Verify ExternalEventResponse nextPaymentAmount. Expected: {}, Actual: {}", nextPaymentAmount, nextPaymentAmountActual); |
| Assertions.assertEquals(nextPaymentAmount, nextPaymentAmountActual); |
| } |
| |
| void verifyNextPayment(GetLoansLoanIdResponse loanDetails, LocalDate nextPaymentDueDate, BigDecimal nextPaymentAmount) { |
| Assertions.assertNotNull(loanDetails, "loanDetails should not be null"); |
| Assertions.assertNotNull(loanDetails.getDelinquent(), "loanDetails.delinquent should not be null"); |
| LocalDate nextPaymentDueDateActual = loanDetails.getDelinquent().getNextPaymentDueDate(); |
| BigDecimal nextPaymentAmountActual = loanDetails.getDelinquent().getNextPaymentAmount(); |
| log.info("Verify GetLoansLoanIdResponse nextPaymentDueDate. Expected: {}, Actual: {}", nextPaymentDueDate, |
| nextPaymentDueDateActual); |
| Assertions.assertEquals(nextPaymentDueDate, nextPaymentDueDateActual); |
| log.info("Verify GetLoansLoanIdResponse nextPaymentAmount. Expected: {}, Actual: {}", nextPaymentAmount, nextPaymentAmountActual); |
| Assertions.assertEquals(nextPaymentAmount, nextPaymentAmountActual); |
| } |
| } |
