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/**
* Licensed to the Apache Software Foundation (ASF) under one
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* distributed with this work for additional information
* regarding copyright ownership. The ASF licenses this file
* to you under the Apache License, Version 2.0 (the
* "License"); you may not use this file except in compliance
* with the License. You may obtain a copy of the License at
*
* http://www.apache.org/licenses/LICENSE-2.0
*
* Unless required by applicable law or agreed to in writing,
* software distributed under the License is distributed on an
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* KIND, either express or implied. See the License for the
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package org.apache.fineract.integrationtests;
import static org.junit.jupiter.api.Assertions.assertEquals;
import static org.junit.jupiter.api.Assertions.assertFalse;
import static org.junit.jupiter.api.Assertions.assertNotNull;
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.AllowAttributeOverrides;
import org.apache.fineract.client.models.ChargeData;
import org.apache.fineract.client.models.ChargeToGLAccountMapper;
import org.apache.fineract.client.models.GetJournalEntriesTransactionIdResponse;
import org.apache.fineract.client.models.GetLoanFeeToIncomeAccountMappings;
import org.apache.fineract.client.models.GetLoanPaymentChannelToFundSourceMappings;
import org.apache.fineract.client.models.GetLoanTransactionRelation;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdTransactionsTransactionIdResponse;
import org.apache.fineract.client.models.JournalEntryTransactionItem;
import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
import org.apache.fineract.client.models.PostPaymentTypesRequest;
import org.apache.fineract.client.models.PostPaymentTypesResponse;
import org.apache.fineract.integrationtests.common.BusinessDateHelper;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.PaymentTypeHelper;
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.charges.ChargesHelper;
import org.apache.fineract.integrationtests.common.funds.FundsHelper;
import org.apache.fineract.integrationtests.common.funds.FundsResourceHandler;
import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanProductHelper;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
import org.apache.fineract.integrationtests.common.system.CodeHelper;
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
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;
@ExtendWith(LoanTestLifecycleExtension.class)
public class LoanAccountChargeOffWithAdvancedPaymentAllocationTest extends BaseLoanIntegrationTest {
private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();
private ResponseSpecification responseSpec;
private RequestSpecification requestSpec;
private ClientHelper clientHelper;
private LoanTransactionHelper loanTransactionHelper;
private JournalEntryHelper journalEntryHelper;
private AccountHelper accountHelper;
private LoanProductHelper loanProductHelper;
private PaymentTypeHelper paymentTypeHelper;
private final BusinessDateHelper businessDateHelper = new BusinessDateHelper();
private static final String DATETIME_PATTERN = "dd MMMM yyyy";
// asset
private Account loansReceivable;
private Account interestFeeReceivable;
private Account suspenseAccount;
private Account fundReceivables;
// liability
private Account suspenseClearingAccount;
private Account overpaymentAccount;
// income
private Account interestIncome;
private Account feeIncome;
private Account feeChargeOff;
private Account recoveries;
private Account interestIncomeChargeOff;
// expense
private Account creditLossBadDebt;
private Account creditLossBadDebtFraud;
private Account writtenOff;
private Account goodwillExpenseAccount;
@BeforeEach
public void setup() {
Utils.initializeRESTAssured();
this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
this.loanProductHelper = new LoanProductHelper();
this.paymentTypeHelper = new PaymentTypeHelper();
// Asset
this.loansReceivable = this.accountHelper.createAssetAccount();
this.interestFeeReceivable = this.accountHelper.createAssetAccount();
this.suspenseAccount = this.accountHelper.createAssetAccount();
this.fundReceivables = this.accountHelper.createAssetAccount();
// Liability
this.suspenseClearingAccount = this.accountHelper.createLiabilityAccount();
this.overpaymentAccount = this.accountHelper.createLiabilityAccount();
// income
this.interestIncome = this.accountHelper.createIncomeAccount();
this.feeIncome = this.accountHelper.createIncomeAccount();
this.feeChargeOff = this.accountHelper.createIncomeAccount();
this.recoveries = this.accountHelper.createIncomeAccount();
this.interestIncomeChargeOff = this.accountHelper.createIncomeAccount();
// expense
this.creditLossBadDebt = this.accountHelper.createExpenseAccount();
this.creditLossBadDebtFraud = this.accountHelper.createExpenseAccount();
this.writtenOff = this.accountHelper.createExpenseAccount();
this.goodwillExpenseAccount = this.accountHelper.createExpenseAccount();
this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
}
// Charge-off accounting and balances
@Test
public void loanChargeOffWithAdvancedPaymentStrategyTest() {
String loanExternalIdStr = UUID.randomUUID().toString();
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
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 = DATE_FORMATTER.format(targetDate);
Integer feeLoanChargeId = 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 = DATE_FORMATTER.format(targetDate);
Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
// make Repayment
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
.transactionAmount(10.0));
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();
PostLoansLoanIdTransactionsResponse chargeOffTransaction = this.loanTransactionHelper.chargeOffLoan((long) loanId,
new PostLoansLoanIdTransactionsRequest().transactionDate("10 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 amounts for charge-off transaction
verifyTransaction(LocalDate.of(2022, 9, 10), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
// verify journal entries
GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
assertNotNull(journalEntriesForChargeOff);
List<JournalEntryTransactionItem> journalEntries = journalEntriesForChargeOff.getPageItems();
assertEquals(4, journalEntries.size());
verifyJournalEntry(journalEntries.get(3), 1000.0, LocalDate.of(2022, 9, 10), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(2), 10.0, LocalDate.of(2022, 9, 10), interestFeeReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(1), 1000.0, LocalDate.of(2022, 9, 10), creditLossBadDebt, "DEBIT");
verifyJournalEntry(journalEntries.get(0), 10.0, LocalDate.of(2022, 9, 10), feeChargeOff, "DEBIT");
}
// Reverse Replay of Charge-Off
@Test
public void loanChargeOffReverseReplayWithAdvancedPaymentStrategyTest() {
runAt("9 September 2022", () -> {
String loanExternalIdStr = UUID.randomUUID().toString();
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
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 = DATE_FORMATTER.format(targetDate);
Integer feeLoanChargeId = 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 = DATE_FORMATTER.format(targetDate);
Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
// make Repayment
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("9 September 2022").locale("en")
.transactionAmount(10.0));
GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
// set loan as chargeoff
updateBusinessDate("10 September 2022");
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();
PostLoansLoanIdTransactionsResponse chargeOffTransaction = this.loanTransactionHelper.chargeOffLoan((long) loanId,
new PostLoansLoanIdTransactionsRequest().transactionDate("10 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 amounts for charge-off transaction
verifyTransaction(LocalDate.of(2022, 9, 10), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
// reverse Repayment
updateBusinessDate("11 September 2022");
loanTransactionHelper.reverseRepayment(loanId, repaymentTransaction.getResourceId().intValue(), "11 September 2022");
// verify chargeOffTransaction gets reverse replayed
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
.getLoanTransactionDetails((long) loanId, transactionExternalId);
assertNotNull(getLoansTransactionResponse);
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
// test replayed relationship
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
assertEquals("REPLAYED", transactionRelation.getRelationType());
// verify amounts for charge-off transaction
verifyTransaction(LocalDate.of(2022, 9, 10), 1020.0f, 1000.0f, 0.0f, 10.0f, 10.0f, loanId, "chargeoff");
});
}
// undo Charge-Off
@Test
public void loanUndoChargeOffTest() {
// Loan ExternalId
String loanExternalIdStr = UUID.randomUUID().toString();
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
// make Repayment
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("6 September 2022").locale("en")
.transactionAmount(100.0));
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();
loanTransactionHelper.chargeOffLoan((long) loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("7 September 2022")
.locale("en").dateFormat("dd MMMM yyyy").externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
// undo charge-off
String reverseTransactionExternalId = UUID.randomUUID().toString();
PostLoansLoanIdTransactionsResponse undoChargeOffTxResponse = loanTransactionHelper.undoChargeOffLoan((long) loanId,
new PostLoansLoanIdTransactionsRequest().reversalExternalId(reverseTransactionExternalId));
assertNotNull(undoChargeOffTxResponse);
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertFalse(loanDetails.getChargedOff());
GetLoansLoanIdTransactionsTransactionIdResponse chargeOffTransactionDetails = loanTransactionHelper
.getLoanTransactionDetails((long) loanId, transactionExternalId);
assertNotNull(chargeOffTransactionDetails);
assertTrue(chargeOffTransactionDetails.getManuallyReversed());
assertEquals(reverseTransactionExternalId, chargeOffTransactionDetails.getReversalExternalId());
}
// Backdated repayment transaction, Reverse replay of charge off
@Test
public void postChargeOffAddBackdatedTransactionAndReverseReplayTest() {
runAt("3 September 2022", () -> {
String loanExternalIdStr = UUID.randomUUID().toString();
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
final Integer loanId = createLoanAccount(clientId, loanProductID, loanExternalIdStr);
// apply charges
updateBusinessDate("5 September 2022");
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 = DATE_FORMATTER.format(targetDate);
Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
// set loan as chargeoff
updateBusinessDate("14 September 2022");
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();
PostLoansLoanIdTransactionsResponse chargeOffTransaction = loanTransactionHelper.chargeOffLoan((long) loanId,
new PostLoansLoanIdTransactionsRequest().transactionDate("14 September 2022").locale("en").dateFormat("dd MMMM yyyy")
.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
// verify Journal Entries For ChargeOff Transaction
GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
assertNotNull(journalEntriesForChargeOff);
List<JournalEntryTransactionItem> journalEntries = journalEntriesForChargeOff.getPageItems();
assertEquals(4, journalEntries.size());
verifyJournalEntry(journalEntries.get(3), 1000.0, LocalDate.of(2022, 9, 14), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(2), 10.0, LocalDate.of(2022, 9, 14), interestFeeReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(1), 1000.0, LocalDate.of(2022, 9, 14), creditLossBadDebt, "DEBIT");
verifyJournalEntry(journalEntries.get(0), 10.0, LocalDate.of(2022, 9, 14), feeChargeOff, "DEBIT");
// make Repayment before chargeoff date - business date is still on 14 September 2022
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en")
.transactionAmount(100.0));
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
// verify Journal Entries for Repayment transaction
GetJournalEntriesTransactionIdResponse journalEntriesForRepayment = journalEntryHelper
.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
assertNotNull(journalEntriesForRepayment);
journalEntries = journalEntriesForRepayment.getPageItems();
assertEquals(3, journalEntries.size());
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
// verify reverse replay of Charge-Off
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
.getLoanTransactionDetails((long) loanId, transactionExternalId);
assertNotNull(getLoansTransactionResponse);
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
// test replayed relationship
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
assertEquals("REPLAYED", transactionRelation.getRelationType());
// verify amounts for charge-off transaction
verifyTransaction(LocalDate.of(2022, 9, 14), 910.0f, 910.0f, 0.0f, 0.0f, 0.0f, loanId, "chargeoff");
// make Repayment after chargeoff date
updateBusinessDate("15 September 2022");
final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("15 September 2022").locale("en")
.transactionAmount(100.0));
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
// verify Journal Entries for Repayment transaction
journalEntriesForRepayment = journalEntryHelper.getJournalEntries("L" + repaymentTransaction_1.getResourceId().toString());
assertNotNull(journalEntriesForRepayment);
journalEntries = journalEntriesForRepayment.getPageItems();
assertEquals(2, journalEntries.size());
verifyJournalEntry(journalEntries.get(1), 100.0, LocalDate.of(2022, 9, 15), recoveries, "CREDIT");
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 15), suspenseClearingAccount, "DEBIT");
});
}
// Repayment before charge off on charge off date, reverse replay of charge off
@Test
public void transactionOnChargeOffDateReverseTest() {
runAt("7 September 2022", () -> {
String loanExternalIdStr = UUID.randomUUID().toString();
final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy();
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 = DATE_FORMATTER.format(targetDate);
Integer feeLoanChargeId = loanTransactionHelper.addChargesForLoan(loanId,
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(feeCharge), feeCharge1AddedDate, "10"));
// make Repayment before charge-off on charge off date
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("7 September 2022").locale("en")
.transactionAmount(100.0));
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
// verify Journal Entries for Repayment transaction
GetJournalEntriesTransactionIdResponse journalEntriesForRepayment = journalEntryHelper
.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
assertNotNull(journalEntriesForRepayment);
List<JournalEntryTransactionItem> journalEntries = journalEntriesForRepayment.getPageItems();
assertEquals(3, journalEntries.size());
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
// 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();
PostLoansLoanIdTransactionsResponse chargeOffTransaction = loanTransactionHelper.chargeOffLoan((long) loanId,
new PostLoansLoanIdTransactionsRequest().transactionDate("7 September 2022").locale("en").dateFormat("dd MMMM yyyy")
.externalId(transactionExternalId).chargeOffReasonId((long) chargeOffReasonId));
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
Long reversedAndReplayedTransactionId = chargeOffTransaction.getResourceId();
// verify Journal Entries For ChargeOff Transaction
GetJournalEntriesTransactionIdResponse journalEntriesForChargeOff = journalEntryHelper
.getJournalEntries("L" + chargeOffTransaction.getResourceId().toString());
assertNotNull(journalEntriesForChargeOff);
journalEntries = journalEntriesForChargeOff.getPageItems();
assertEquals(2, journalEntries.size());
verifyJournalEntry(journalEntries.get(1), 910.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(0), 910.0, LocalDate.of(2022, 9, 7), creditLossBadDebt, "DEBIT");
// reverse Repayment
loanTransactionHelper.reverseRepayment(loanId, repaymentTransaction.getResourceId().intValue(), "7 September 2022");
loanDetails = loanTransactionHelper.getLoanDetails((long) loanId);
assertTrue(loanDetails.getStatus().getActive());
assertTrue(loanDetails.getChargedOff());
// verify Journal Entries for Reversed Repayment transaction
journalEntriesForRepayment = journalEntryHelper.getJournalEntries("L" + repaymentTransaction.getResourceId().toString());
assertNotNull(journalEntriesForRepayment);
journalEntries = journalEntriesForRepayment.getPageItems();
assertEquals(6, journalEntries.size());
verifyJournalEntry(journalEntries.get(5), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(4), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "CREDIT");
verifyJournalEntry(journalEntries.get(3), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "DEBIT");
verifyJournalEntry(journalEntries.get(2), 90.0, LocalDate.of(2022, 9, 7), loansReceivable, "DEBIT");
verifyJournalEntry(journalEntries.get(1), 10.0, LocalDate.of(2022, 9, 7), interestFeeReceivable, "DEBIT");
verifyJournalEntry(journalEntries.get(0), 100.0, LocalDate.of(2022, 9, 7), suspenseClearingAccount, "CREDIT");
// verify reverse replay of Charge-Off
GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper
.getLoanTransactionDetails((long) loanId, transactionExternalId);
assertNotNull(getLoansTransactionResponse);
assertNotNull(getLoansTransactionResponse.getTransactionRelations());
// test replayed relationship
GetLoanTransactionRelation transactionRelation = getLoansTransactionResponse.getTransactionRelations().iterator().next();
assertEquals(reversedAndReplayedTransactionId, transactionRelation.getToLoanTransaction());
assertEquals("REPLAYED", transactionRelation.getRelationType());
// verify amounts for charge-off transaction
verifyTransaction(LocalDate.of(2022, 9, 7), 1010.0f, 1000.0f, 0.0f, 10.0f, 0.0f, loanId, "chargeoff");
});
}
private void verifyJournalEntry(JournalEntryTransactionItem journalEntryTransactionItem, Double amount, LocalDate entryDate,
Account account, String type) {
assertEquals(amount, journalEntryTransactionItem.getAmount());
assertEquals(entryDate, journalEntryTransactionItem.getTransactionDate());
assertEquals(account.getAccountID().longValue(), journalEntryTransactionItem.getGlAccountId().longValue());
assertEquals(type, journalEntryTransactionItem.getEntryType().getValue());
}
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>) loanTransactionHelper.getLoanTransactions(this.requestSpec,
this.responseSpec, 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");
}
private Integer createLoanAccount(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 = loanTransactionHelper.getLoanId(loanApplicationJSON);
loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null);
loanTransactionHelper.disburseLoanWithTransactionAmount("03 September 2022", loanId, "1000");
return loanId;
}
private Integer createLoanProductWithPeriodicAccrualAccountingAndAdvancedPaymentAllocationStrategy() {
String name = Utils.uniqueRandomStringGenerator("LOAN_PRODUCT_", 6);
String shortName = Utils.uniqueRandomStringGenerator("", 4);
List<Integer> principalVariationsForBorrowerCycle = new ArrayList<>();
List<Integer> numberOfRepaymentVariationsForBorrowerCycle = new ArrayList<>();
List<Integer> interestRateVariationsForBorrowerCycle = new ArrayList<>();
List<ChargeData> charges = new ArrayList<>();
List<ChargeToGLAccountMapper> penaltyToIncomeAccountMappings = new ArrayList<>();
List<GetLoanFeeToIncomeAccountMappings> feeToIncomeAccountMappings = new ArrayList<>();
String paymentTypeName = PaymentTypeHelper.randomNameGenerator("P_T", 5);
String description = PaymentTypeHelper.randomNameGenerator("PT_Desc", 15);
Boolean isCashPayment = false;
Integer position = 1;
PostPaymentTypesResponse paymentTypesResponse = paymentTypeHelper.createPaymentType(new PostPaymentTypesRequest()
.name(paymentTypeName).description(description).isCashPayment(isCashPayment).position(position));
Long paymentTypeIdOne = paymentTypesResponse.getResourceId();
Assertions.assertNotNull(paymentTypeIdOne);
List<GetLoanPaymentChannelToFundSourceMappings> paymentChannelToFundSourceMappings = new ArrayList<>();
GetLoanPaymentChannelToFundSourceMappings loanPaymentChannelToFundSourceMappings = new GetLoanPaymentChannelToFundSourceMappings();
loanPaymentChannelToFundSourceMappings.fundSourceAccountId(fundReceivables.getAccountID().longValue());
loanPaymentChannelToFundSourceMappings.paymentTypeId(paymentTypeIdOne.longValue());
paymentChannelToFundSourceMappings.add(loanPaymentChannelToFundSourceMappings);
// fund
FundsHelper fh = FundsHelper.create(Utils.uniqueRandomStringGenerator("", 10)).externalId(UUID.randomUUID().toString()).build();
String jsonData = fh.toJSON();
final Long fundID = createFund(jsonData, this.requestSpec, this.responseSpec);
Assertions.assertNotNull(fundID);
// Delinquency Bucket
final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
String futureInstallmentAllocationRule = "NEXT_INSTALLMENT";
AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule);
PostLoanProductsRequest loanProductsRequest = new PostLoanProductsRequest().name(name)//
.shortName(shortName)//
.description("Loan Product Description")//
.fundId(fundID)//
.startDate(null)//
.closeDate(null)//
.includeInBorrowerCycle(false)//
.currencyCode("USD")//
.digitsAfterDecimal(2)//
.inMultiplesOf(0)//
.installmentAmountInMultiplesOf(1)//
.useBorrowerCycle(false)//
.minPrincipal(100.0)//
.principal(1000.0)//
.maxPrincipal(10000.0)//
.minNumberOfRepayments(1)//
.numberOfRepayments(1)//
.maxNumberOfRepayments(30)//
.isLinkedToFloatingInterestRates(false)//
.minInterestRatePerPeriod((double) 0)//
.interestRatePerPeriod((double) 0)//
.maxInterestRatePerPeriod((double) 0)//
.interestRateFrequencyType(2)//
.repaymentEvery(30)//
.repaymentFrequencyType(0L)//
.principalVariationsForBorrowerCycle(principalVariationsForBorrowerCycle)//
.numberOfRepaymentVariationsForBorrowerCycle(numberOfRepaymentVariationsForBorrowerCycle)//
.interestRateVariationsForBorrowerCycle(interestRateVariationsForBorrowerCycle)//
.amortizationType(1)//
.interestType(0)//
.isEqualAmortization(false)//
.interestCalculationPeriodType(1)//
.transactionProcessingStrategyCode("advanced-payment-allocation-strategy")//
.addPaymentAllocationItem(defaultAllocation)//
.daysInYearType(1)//
.daysInMonthType(1)//
.canDefineInstallmentAmount(true)//
.graceOnArrearsAgeing(3)//
.overdueDaysForNPA(179)//
.accountMovesOutOfNPAOnlyOnArrearsCompletion(false)//
.principalThresholdForLastInstallment(50)//
.allowVariableInstallments(false)//
.canUseForTopup(false)//
.isInterestRecalculationEnabled(false)//
.holdGuaranteeFunds(false)//
.multiDisburseLoan(true)//
.allowAttributeOverrides(new AllowAttributeOverrides()//
.amortizationType(true)//
.interestType(true)//
.transactionProcessingStrategyCode(true)//
.interestCalculationPeriodType(true)//
.inArrearsTolerance(true)//
.repaymentEvery(true)//
.graceOnPrincipalAndInterestPayment(true)//
.graceOnArrearsAgeing(true))//
.allowPartialPeriodInterestCalcualtion(true)//
.maxTrancheCount(10)//
.outstandingLoanBalance(10000.0)//
.charges(charges)//
.accountingRule(3)//
.fundSourceAccountId(suspenseClearingAccount.getAccountID().longValue())//
.loanPortfolioAccountId(loansReceivable.getAccountID().longValue())//
.transfersInSuspenseAccountId(suspenseAccount.getAccountID().longValue())//
.interestOnLoanAccountId(interestIncome.getAccountID().longValue())//
.incomeFromFeeAccountId(feeIncome.getAccountID().longValue())//
.incomeFromPenaltyAccountId(feeIncome.getAccountID().longValue())//
.incomeFromRecoveryAccountId(recoveries.getAccountID().longValue())//
.writeOffAccountId(writtenOff.getAccountID().longValue())//
.overpaymentLiabilityAccountId(overpaymentAccount.getAccountID().longValue())//
.receivableInterestAccountId(interestFeeReceivable.getAccountID().longValue())//
.receivableFeeAccountId(interestFeeReceivable.getAccountID().longValue())//
.receivablePenaltyAccountId(interestFeeReceivable.getAccountID().longValue())//
.dateFormat("dd MMMM yyyy")//
.locale("en_GB")//
.disallowExpectedDisbursements(true)//
.allowApprovedDisbursedAmountsOverApplied(true)//
.overAppliedCalculationType("percentage")//
.overAppliedNumber(50)//
.delinquencyBucketId(delinquencyBucketId.longValue())//
.goodwillCreditAccountId(goodwillExpenseAccount.getAccountID().longValue())//
.incomeFromGoodwillCreditInterestAccountId(interestIncomeChargeOff.getAccountID().longValue())//
.incomeFromGoodwillCreditFeesAccountId(feeChargeOff.getAccountID().longValue())//
.incomeFromGoodwillCreditPenaltyAccountId(feeChargeOff.getAccountID().longValue())//
.paymentChannelToFundSourceMappings(paymentChannelToFundSourceMappings)//
.penaltyToIncomeAccountMappings(penaltyToIncomeAccountMappings)//
.feeToIncomeAccountMappings(feeToIncomeAccountMappings)//
.incomeFromChargeOffInterestAccountId(interestIncomeChargeOff.getAccountID().longValue())//
.incomeFromChargeOffFeesAccountId(feeChargeOff.getAccountID().longValue())//
.chargeOffExpenseAccountId(creditLossBadDebt.getAccountID().longValue())//
.chargeOffFraudExpenseAccountId(creditLossBadDebtFraud.getAccountID().longValue())//
.incomeFromChargeOffPenaltyAccountId(feeChargeOff.getAccountID().longValue());//
PostLoanProductsResponse loanProductCreateResponse = loanProductHelper.createLoanProduct(loanProductsRequest);
return loanProductCreateResponse.getResourceId().intValue();
}
private Long createFund(final String fundJSON, final RequestSpecification requestSpec, final ResponseSpecification responseSpec) {
String fundId = String.valueOf(FundsResourceHandler.createFund(fundJSON, requestSpec, responseSpec));
if (fundId.equals("null")) {
// Invalid JSON data parameters
return null;
}
return Long.valueOf(fundId);
}
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();
}
}