integration-tests/src/test/java/org/apache/fineract/integrationtests/SavingsAccrualAccountingIntegrationTest.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.apache.fineract.integrationtests.common.BusinessDateHelper.runAt;

 import io.restassured.builder.RequestSpecBuilder;
 import io.restassured.builder.ResponseSpecBuilder;
 import io.restassured.http.ContentType;
 import io.restassured.specification.RequestSpecification;
 import io.restassured.specification.ResponseSpecification;
 import java.math.BigDecimal;
 import java.math.MathContext;
 import java.math.RoundingMode;
 import java.time.LocalDate;
 import java.time.format.DateTimeFormatter;
 import java.util.ArrayList;
 import java.util.HashMap;
 import java.util.List;
 import java.util.Locale;
 import java.util.Map;
 import org.apache.fineract.integrationtests.common.ClientHelper;
 import org.apache.fineract.integrationtests.common.CommonConstants;
 import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
 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.JournalEntryHelper;
 import org.apache.fineract.integrationtests.common.savings.SavingsAccountHelper;
 import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper;
 import org.apache.fineract.integrationtests.common.savings.SavingsTestLifecycleExtension;
 import org.junit.jupiter.api.Assertions;
 import org.junit.jupiter.api.BeforeEach;
 import org.junit.jupiter.api.Test;
 import org.junit.jupiter.api.extension.ExtendWith;
 import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;

 @ExtendWith({ SavingsTestLifecycleExtension.class })
 public class SavingsAccrualAccountingIntegrationTest {

     private static final Logger LOG = LoggerFactory.getLogger(SavingsAccrualAccountingIntegrationTest.class);
     private ResponseSpecification responseSpec;
     private RequestSpecification requestSpec;
     private SavingsAccountHelper savingsAccountHelper;
     private SchedulerJobHelper schedulerJobHelper;
     private JournalEntryHelper journalEntryHelper;
     private AccountHelper accountHelper;

     @BeforeEach
     public void setup() {
         Utils.initializeRESTAssured();
         this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
         this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
         this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
         this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
         this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec);
         this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
         this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
     }

     @Test
     public void testPositiveAccrualPostsCorrectJournalEntries() {
         runAt("12 August 2021", () -> {
             // --- ARRANGE ---
             LOG.info("------------------------- INITIATING POSITIVE ACCRUAL ACCOUNTING TEST -------------------------");
             final int daysToSubtract = 10;
             final String amount = "10000";

             final Account savingsReferenceAccount = this.accountHelper.createAssetAccount("Savings Reference");
             final Account interestOnSavingsAccount = this.accountHelper.createExpenseAccount("Interest on Savings (Expense)");
             final Account savingsControlAccount = this.accountHelper.createLiabilityAccount("Savings Control");
             final Account interestPayableAccount = this.accountHelper.createLiabilityAccount("Interest Payable (Liability)");
             final Account incomeFromFeesAccount = this.accountHelper.createIncomeAccount("Income from Fees");
             final Account[] accountList = { savingsReferenceAccount, savingsControlAccount, interestOnSavingsAccount,
                     interestPayableAccount, incomeFromFeesAccount };

             final SavingsProductHelper productHelper = new SavingsProductHelper().withNominalAnnualInterestRate(new BigDecimal("10.0"))
                     .withAccountingRuleAsAccrualBased(accountList)
                     .withSavingsReferenceAccountId(savingsReferenceAccount.getAccountID().toString())
                     .withSavingsControlAccountId(savingsControlAccount.getAccountID().toString())
                     .withInterestOnSavingsAccountId(interestOnSavingsAccount.getAccountID().toString())
                     .withInterestPayableAccountId(interestPayableAccount.getAccountID().toString())
                     .withIncomeFromFeeAccountId(incomeFromFeesAccount.getAccountID().toString());

             final Integer savingsProductId = SavingsProductHelper.createSavingsProduct(productHelper.build(), this.requestSpec,
                     this.responseSpec);
             Assertions.assertNotNull(savingsProductId, "Failed to create savings product.");

             final Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec, "01 January 2020");
             final LocalDate startDate = LocalDate.of(2021, 8, 12).minusDays(daysToSubtract);
             final String startDateString = DateTimeFormatter.ofPattern("dd MMMM yyyy", Locale.US).format(startDate);
             final Integer savingsAccountId = this.savingsAccountHelper.applyForSavingsApplicationOnDate(clientId, savingsProductId,
                     SavingsAccountHelper.ACCOUNT_TYPE_INDIVIDUAL, startDateString);
             this.savingsAccountHelper.approveSavingsOnDate(savingsAccountId, startDateString);
             this.savingsAccountHelper.activateSavings(savingsAccountId, startDateString);
             this.savingsAccountHelper.depositToSavingsAccount(savingsAccountId, amount, startDateString,
                     CommonConstants.RESPONSE_RESOURCE_ID);

             // --- ACT ---
             schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions For Savings");

             // --- ASSERT ---
             List<HashMap> accrualTransactions = getAccrualTransactions(savingsAccountId);
             Assertions.assertFalse(accrualTransactions.isEmpty(), "No accrual transactions were found.");

             Number firstTransactionIdNumber = (Number) accrualTransactions.get(0).get("id");
             ArrayList<HashMap> journalEntries = journalEntryHelper
                     .getJournalEntriesByTransactionId("S" + firstTransactionIdNumber.intValue());
             Assertions.assertFalse(journalEntries.isEmpty(), "No journal entries found for positive accrual.");

             boolean debitFound = false;
             boolean creditFound = false;
             for (Map<String, Object> entry : journalEntries) {
                 String entryType = (String) ((HashMap) entry.get("entryType")).get("value");
                 Integer accountId = ((Number) entry.get("glAccountId")).intValue();
                 if ("DEBIT".equals(entryType) && accountId.equals(interestOnSavingsAccount.getAccountID())) {
                     debitFound = true;
                 }
                 if ("CREDIT".equals(entryType) && accountId.equals(interestPayableAccount.getAccountID())) {
                     creditFound = true;
                 }
             }

             Assertions.assertTrue(debitFound, "DEBIT to Interest on Savings (Expense) Account not found for positive accrual.");
             Assertions.assertTrue(creditFound, "CREDIT to Interest Payable (Liability) Account not found for positive accrual.");

             BigDecimal interest = getCalculateAccrualsForDay(productHelper, amount);

             for (HashMap accrual : accrualTransactions) {
                 BigDecimal amountAccrualTransaccion = BigDecimal.valueOf((Double) accrual.get("amount"));
                 Assertions.assertEquals(interest, amountAccrualTransaccion);
             }
             LOG.info("VALIDATE AMOUNT AND ACCOUNT");
         });
     }

     @Test
     public void testNegativeAccrualPostsCorrectJournalEntries() {
         runAt("12 August 2021", () -> {
             // --- ARRANGE ---
             LOG.info("------------------------- INITIATING NEGATIVE ACCRUAL (OVERDRAFT) ACCOUNTING TEST -------------------------");
             final int daysToSubtract = 10;
             final String amount = "10000";

             final Account savingsReferenceAccount = this.accountHelper.createAssetAccount("Savings Reference");
             final Account overdraftPortfolioControl = this.accountHelper.createAssetAccount("Overdraft Portfolio");
             final Account interestReceivableAccount = this.accountHelper.createAssetAccount("Interest Receivable (Asset)");
             final Account savingsControlAccount = this.accountHelper.createLiabilityAccount("Savings Control");
             final Account interestPayableAccount = this.accountHelper.createLiabilityAccount("Interest Payable");
             final Account overdraftInterestIncomeAccount = this.accountHelper.createIncomeAccount("Overdraft Interest Income");
             final Account expenseAccount = this.accountHelper.createExpenseAccount("Interest on Savings (Expense)");

             final Account[] accountList = { savingsReferenceAccount, savingsControlAccount, expenseAccount,
                     overdraftInterestIncomeAccount };

             final String overdraftLimit = "10000";
             final String overdraftInterestRate = "21.0";
             final SavingsProductHelper productHelper = new SavingsProductHelper()
                     .withNominalAnnualInterestRate(new BigDecimal(overdraftInterestRate)).withAccountingRuleAsAccrualBased(accountList)
                     .withOverDraftRate(overdraftLimit, overdraftInterestRate)
                     .withSavingsReferenceAccountId(savingsReferenceAccount.getAccountID().toString())
                     .withSavingsControlAccountId(savingsControlAccount.getAccountID().toString())
                     .withInterestReceivableAccountId(interestReceivableAccount.getAccountID().toString())
                     .withIncomeFromInterestId(overdraftInterestIncomeAccount.getAccountID().toString())
                     .withInterestPayableAccountId(interestPayableAccount.getAccountID().toString())
                     .withInterestOnSavingsAccountId(expenseAccount.getAccountID().toString())
                     .withOverdraftPortfolioControlId(overdraftPortfolioControl.getAccountID().toString());

             final Integer savingsProductId = SavingsProductHelper.createSavingsProduct(productHelper.build(), this.requestSpec,
                     this.responseSpec);
             Assertions.assertNotNull(savingsProductId, "Savings product with overdraft creation failed.");

             final Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec, "01 January 2020");
             final LocalDate startDate = LocalDate.of(2021, 8, 12).minusDays(daysToSubtract);
             final String startDateString = DateTimeFormatter.ofPattern("dd MMMM yyyy", Locale.US).format(startDate);
             final Integer savingsAccountId = this.savingsAccountHelper.applyForSavingsApplicationOnDate(clientId, savingsProductId,
                     SavingsAccountHelper.ACCOUNT_TYPE_INDIVIDUAL, startDateString);
             this.savingsAccountHelper.approveSavingsOnDate(savingsAccountId, startDateString);
             this.savingsAccountHelper.activateSavings(savingsAccountId, startDateString);
             this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsAccountId, "10000", startDateString,
                     CommonConstants.RESPONSE_RESOURCE_ID);

             // --- ACT ---
             schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions For Savings");

             // --- ASSERT ---
             List<HashMap> accrualTransactions = getAccrualTransactions(savingsAccountId);
             Assertions.assertFalse(accrualTransactions.isEmpty(), "No accrual transactions were found for overdraft.");

             Number firstTransactionIdNumber = (Number) accrualTransactions.get(0).get("id");
             ArrayList<HashMap> journalEntries = journalEntryHelper
                     .getJournalEntriesByTransactionId("S" + firstTransactionIdNumber.intValue());
             Assertions.assertFalse(journalEntries.isEmpty(), "No journal entries found for negative accrual.");

             boolean debitFound = false;
             boolean creditFound = false;
             for (Map<String, Object> entry : journalEntries) {
                 String entryType = (String) ((HashMap) entry.get("entryType")).get("value");
                 Integer accountId = ((Number) entry.get("glAccountId")).intValue();
                 if ("DEBIT".equals(entryType) && accountId.equals(interestReceivableAccount.getAccountID())) {
                     debitFound = true;
                 }
                 if ("CREDIT".equals(entryType) && accountId.equals(overdraftInterestIncomeAccount.getAccountID())) {
                     creditFound = true;
                 }
             }

             Assertions.assertTrue(debitFound, "DEBIT to Interest Receivable (Asset) Account not found for negative accrual.");
             Assertions.assertTrue(creditFound, "CREDIT to Overdraft Interest Income Account not found for negative accrual.");

             BigDecimal interest = getCalculateAccrualsForDay(productHelper, amount);

             for (HashMap accrual : accrualTransactions) {
                 BigDecimal amountAccrualTransaccion = BigDecimal.valueOf((Double) accrual.get("amount"));
                 Assertions.assertEquals(interest, amountAccrualTransaccion);
             }
             LOG.info("VALIDATE AMOUNT AND ACCOUNT");
         });
     }

     private List<HashMap> getAccrualTransactions(Integer savingsAccountId) {
         List<HashMap> allTransactions = savingsAccountHelper.getSavingsTransactions(savingsAccountId);
         List<HashMap> accrualTransactions = new ArrayList<>();
         for (HashMap transaction : allTransactions) {
             Map<String, Object> type = (Map<String, Object>) transaction.get("transactionType");
             if (type != null && Boolean.TRUE.equals(type.get("accrual"))) {
                 accrualTransactions.add(transaction);
             }
         }
         return accrualTransactions;
     }

     private BigDecimal getCalculateAccrualsForDay(SavingsProductHelper productHelper, String amount) {
         BigDecimal interest = BigDecimal.ZERO;
         BigDecimal interestRateAsFraction = productHelper.getNominalAnnualInterestRate().divide(new BigDecimal(100.00));
         BigDecimal realBalanceForInterestCalculation = new BigDecimal(amount);

         final BigDecimal multiplicand = BigDecimal.ONE.divide(productHelper.getInterestCalculationDaysInYearType(), MathContext.DECIMAL64);
         final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
         final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(1), MathContext.DECIMAL64);
         interest = realBalanceForInterestCalculation.multiply(periodicInterestRate, MathContext.DECIMAL64)
                 .setScale(productHelper.getDecimalCurrency(), RoundingMode.HALF_EVEN);

         return interest;
     }
 }
	/**
	* 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.apache.fineract.integrationtests.common.BusinessDateHelper.runAt;

	import io.restassured.builder.RequestSpecBuilder;
	import io.restassured.builder.ResponseSpecBuilder;
	import io.restassured.http.ContentType;
	import io.restassured.specification.RequestSpecification;
	import io.restassured.specification.ResponseSpecification;
	import java.math.BigDecimal;
	import java.math.MathContext;
	import java.math.RoundingMode;
	import java.time.LocalDate;
	import java.time.format.DateTimeFormatter;
	import java.util.ArrayList;
	import java.util.HashMap;
	import java.util.List;
	import java.util.Locale;
	import java.util.Map;
	import org.apache.fineract.integrationtests.common.ClientHelper;
	import org.apache.fineract.integrationtests.common.CommonConstants;
	import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
	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.JournalEntryHelper;
	import org.apache.fineract.integrationtests.common.savings.SavingsAccountHelper;
	import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper;
	import org.apache.fineract.integrationtests.common.savings.SavingsTestLifecycleExtension;
	import org.junit.jupiter.api.Assertions;
	import org.junit.jupiter.api.BeforeEach;
	import org.junit.jupiter.api.Test;
	import org.junit.jupiter.api.extension.ExtendWith;
	import org.slf4j.Logger;
	import org.slf4j.LoggerFactory;

	@ExtendWith({ SavingsTestLifecycleExtension.class })
	public class SavingsAccrualAccountingIntegrationTest {

	private static final Logger LOG = LoggerFactory.getLogger(SavingsAccrualAccountingIntegrationTest.class);
	private ResponseSpecification responseSpec;
	private RequestSpecification requestSpec;
	private SavingsAccountHelper savingsAccountHelper;
	private SchedulerJobHelper schedulerJobHelper;
	private JournalEntryHelper journalEntryHelper;
	private AccountHelper accountHelper;

	@BeforeEach
	public void setup() {
	Utils.initializeRESTAssured();
	this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
	this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
	this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
	this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
	this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec);
	this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
	this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
	}

	@Test
	public void testPositiveAccrualPostsCorrectJournalEntries() {
	runAt("12 August 2021", () -> {
	// --- ARRANGE ---
	LOG.info("------------------------- INITIATING POSITIVE ACCRUAL ACCOUNTING TEST -------------------------");
	final int daysToSubtract = 10;
	final String amount = "10000";

	final Account savingsReferenceAccount = this.accountHelper.createAssetAccount("Savings Reference");
	final Account interestOnSavingsAccount = this.accountHelper.createExpenseAccount("Interest on Savings (Expense)");
	final Account savingsControlAccount = this.accountHelper.createLiabilityAccount("Savings Control");
	final Account interestPayableAccount = this.accountHelper.createLiabilityAccount("Interest Payable (Liability)");
	final Account incomeFromFeesAccount = this.accountHelper.createIncomeAccount("Income from Fees");
	final Account[] accountList = { savingsReferenceAccount, savingsControlAccount, interestOnSavingsAccount,
	interestPayableAccount, incomeFromFeesAccount };

	final SavingsProductHelper productHelper = new SavingsProductHelper().withNominalAnnualInterestRate(new BigDecimal("10.0"))
	.withAccountingRuleAsAccrualBased(accountList)
	.withSavingsReferenceAccountId(savingsReferenceAccount.getAccountID().toString())
	.withSavingsControlAccountId(savingsControlAccount.getAccountID().toString())
	.withInterestOnSavingsAccountId(interestOnSavingsAccount.getAccountID().toString())
	.withInterestPayableAccountId(interestPayableAccount.getAccountID().toString())
	.withIncomeFromFeeAccountId(incomeFromFeesAccount.getAccountID().toString());

	final Integer savingsProductId = SavingsProductHelper.createSavingsProduct(productHelper.build(), this.requestSpec,
	this.responseSpec);
	Assertions.assertNotNull(savingsProductId, "Failed to create savings product.");

	final Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec, "01 January 2020");
	final LocalDate startDate = LocalDate.of(2021, 8, 12).minusDays(daysToSubtract);
	final String startDateString = DateTimeFormatter.ofPattern("dd MMMM yyyy", Locale.US).format(startDate);
	final Integer savingsAccountId = this.savingsAccountHelper.applyForSavingsApplicationOnDate(clientId, savingsProductId,
	SavingsAccountHelper.ACCOUNT_TYPE_INDIVIDUAL, startDateString);
	this.savingsAccountHelper.approveSavingsOnDate(savingsAccountId, startDateString);
	this.savingsAccountHelper.activateSavings(savingsAccountId, startDateString);
	this.savingsAccountHelper.depositToSavingsAccount(savingsAccountId, amount, startDateString,
	CommonConstants.RESPONSE_RESOURCE_ID);

	// --- ACT ---
	schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions For Savings");

	// --- ASSERT ---
	List<HashMap> accrualTransactions = getAccrualTransactions(savingsAccountId);
	Assertions.assertFalse(accrualTransactions.isEmpty(), "No accrual transactions were found.");

	Number firstTransactionIdNumber = (Number) accrualTransactions.get(0).get("id");
	ArrayList<HashMap> journalEntries = journalEntryHelper
	.getJournalEntriesByTransactionId("S" + firstTransactionIdNumber.intValue());
	Assertions.assertFalse(journalEntries.isEmpty(), "No journal entries found for positive accrual.");

	boolean debitFound = false;
	boolean creditFound = false;
	for (Map<String, Object> entry : journalEntries) {
	String entryType = (String) ((HashMap) entry.get("entryType")).get("value");
	Integer accountId = ((Number) entry.get("glAccountId")).intValue();
	if ("DEBIT".equals(entryType) && accountId.equals(interestOnSavingsAccount.getAccountID())) {
	debitFound = true;
	}
	if ("CREDIT".equals(entryType) && accountId.equals(interestPayableAccount.getAccountID())) {
	creditFound = true;
	}
	}

	Assertions.assertTrue(debitFound, "DEBIT to Interest on Savings (Expense) Account not found for positive accrual.");
	Assertions.assertTrue(creditFound, "CREDIT to Interest Payable (Liability) Account not found for positive accrual.");

	BigDecimal interest = getCalculateAccrualsForDay(productHelper, amount);

	for (HashMap accrual : accrualTransactions) {
	BigDecimal amountAccrualTransaccion = BigDecimal.valueOf((Double) accrual.get("amount"));
	Assertions.assertEquals(interest, amountAccrualTransaccion);
	}
	LOG.info("VALIDATE AMOUNT AND ACCOUNT");
	});
	}

	@Test
	public void testNegativeAccrualPostsCorrectJournalEntries() {
	runAt("12 August 2021", () -> {
	// --- ARRANGE ---
	LOG.info("------------------------- INITIATING NEGATIVE ACCRUAL (OVERDRAFT) ACCOUNTING TEST -------------------------");
	final int daysToSubtract = 10;
	final String amount = "10000";

	final Account savingsReferenceAccount = this.accountHelper.createAssetAccount("Savings Reference");
	final Account overdraftPortfolioControl = this.accountHelper.createAssetAccount("Overdraft Portfolio");
	final Account interestReceivableAccount = this.accountHelper.createAssetAccount("Interest Receivable (Asset)");
	final Account savingsControlAccount = this.accountHelper.createLiabilityAccount("Savings Control");
	final Account interestPayableAccount = this.accountHelper.createLiabilityAccount("Interest Payable");
	final Account overdraftInterestIncomeAccount = this.accountHelper.createIncomeAccount("Overdraft Interest Income");
	final Account expenseAccount = this.accountHelper.createExpenseAccount("Interest on Savings (Expense)");

	final Account[] accountList = { savingsReferenceAccount, savingsControlAccount, expenseAccount,
	overdraftInterestIncomeAccount };

	final String overdraftLimit = "10000";
	final String overdraftInterestRate = "21.0";
	final SavingsProductHelper productHelper = new SavingsProductHelper()
	.withNominalAnnualInterestRate(new BigDecimal(overdraftInterestRate)).withAccountingRuleAsAccrualBased(accountList)
	.withOverDraftRate(overdraftLimit, overdraftInterestRate)
	.withSavingsReferenceAccountId(savingsReferenceAccount.getAccountID().toString())
	.withSavingsControlAccountId(savingsControlAccount.getAccountID().toString())
	.withInterestReceivableAccountId(interestReceivableAccount.getAccountID().toString())
	.withIncomeFromInterestId(overdraftInterestIncomeAccount.getAccountID().toString())
	.withInterestPayableAccountId(interestPayableAccount.getAccountID().toString())
	.withInterestOnSavingsAccountId(expenseAccount.getAccountID().toString())
	.withOverdraftPortfolioControlId(overdraftPortfolioControl.getAccountID().toString());

	final Integer savingsProductId = SavingsProductHelper.createSavingsProduct(productHelper.build(), this.requestSpec,
	this.responseSpec);
	Assertions.assertNotNull(savingsProductId, "Savings product with overdraft creation failed.");

	final Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec, "01 January 2020");
	final LocalDate startDate = LocalDate.of(2021, 8, 12).minusDays(daysToSubtract);
	final String startDateString = DateTimeFormatter.ofPattern("dd MMMM yyyy", Locale.US).format(startDate);
	final Integer savingsAccountId = this.savingsAccountHelper.applyForSavingsApplicationOnDate(clientId, savingsProductId,
	SavingsAccountHelper.ACCOUNT_TYPE_INDIVIDUAL, startDateString);
	this.savingsAccountHelper.approveSavingsOnDate(savingsAccountId, startDateString);
	this.savingsAccountHelper.activateSavings(savingsAccountId, startDateString);
	this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsAccountId, "10000", startDateString,
	CommonConstants.RESPONSE_RESOURCE_ID);

	// --- ACT ---
	schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions For Savings");

	// --- ASSERT ---
	List<HashMap> accrualTransactions = getAccrualTransactions(savingsAccountId);
	Assertions.assertFalse(accrualTransactions.isEmpty(), "No accrual transactions were found for overdraft.");

	Number firstTransactionIdNumber = (Number) accrualTransactions.get(0).get("id");
	ArrayList<HashMap> journalEntries = journalEntryHelper
	.getJournalEntriesByTransactionId("S" + firstTransactionIdNumber.intValue());
	Assertions.assertFalse(journalEntries.isEmpty(), "No journal entries found for negative accrual.");

	boolean debitFound = false;
	boolean creditFound = false;
	for (Map<String, Object> entry : journalEntries) {
	String entryType = (String) ((HashMap) entry.get("entryType")).get("value");
	Integer accountId = ((Number) entry.get("glAccountId")).intValue();
	if ("DEBIT".equals(entryType) && accountId.equals(interestReceivableAccount.getAccountID())) {
	debitFound = true;
	}
	if ("CREDIT".equals(entryType) && accountId.equals(overdraftInterestIncomeAccount.getAccountID())) {
	creditFound = true;
	}
	}

	Assertions.assertTrue(debitFound, "DEBIT to Interest Receivable (Asset) Account not found for negative accrual.");
	Assertions.assertTrue(creditFound, "CREDIT to Overdraft Interest Income Account not found for negative accrual.");

	BigDecimal interest = getCalculateAccrualsForDay(productHelper, amount);

	for (HashMap accrual : accrualTransactions) {
	BigDecimal amountAccrualTransaccion = BigDecimal.valueOf((Double) accrual.get("amount"));
	Assertions.assertEquals(interest, amountAccrualTransaccion);
	}
	LOG.info("VALIDATE AMOUNT AND ACCOUNT");
	});
	}

	private List<HashMap> getAccrualTransactions(Integer savingsAccountId) {
	List<HashMap> allTransactions = savingsAccountHelper.getSavingsTransactions(savingsAccountId);
	List<HashMap> accrualTransactions = new ArrayList<>();
	for (HashMap transaction : allTransactions) {
	Map<String, Object> type = (Map<String, Object>) transaction.get("transactionType");
	if (type != null && Boolean.TRUE.equals(type.get("accrual"))) {
	accrualTransactions.add(transaction);
	}
	}
	return accrualTransactions;
	}

	private BigDecimal getCalculateAccrualsForDay(SavingsProductHelper productHelper, String amount) {
	BigDecimal interest = BigDecimal.ZERO;
	BigDecimal interestRateAsFraction = productHelper.getNominalAnnualInterestRate().divide(new BigDecimal(100.00));
	BigDecimal realBalanceForInterestCalculation = new BigDecimal(amount);

	final BigDecimal multiplicand = BigDecimal.ONE.divide(productHelper.getInterestCalculationDaysInYearType(), MathContext.DECIMAL64);
	final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
	final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(1), MathContext.DECIMAL64);
	interest = realBalanceForInterestCalculation.multiply(periodicInterestRate, MathContext.DECIMAL64)
	.setScale(productHelper.getDecimalCurrency(), RoundingMode.HALF_EVEN);

	return interest;
	}
	}