| /** |
| * 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 java.math.BigDecimal; |
| import java.util.List; |
| import java.util.UUID; |
| import org.apache.commons.lang3.tuple.Pair; |
| 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.PostLoansLoanIdTransactionsTransactionIdRequest; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| import org.apache.fineract.portfolio.loanaccount.domain.LoanStatus; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanChargeOffAccountingEntriesForReverseReplayedTransactionsTest extends BaseLoanIntegrationTest { |
| |
| @Test |
| public void testJournalEntriesForChargeOffLoanWithMultipleReverseReplay() { |
| runAt("24 May 2024", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create DelinquencyBuckets |
| Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec, List.of(// |
| Pair.of(1, 10), // |
| Pair.of(11, 30), // |
| Pair.of(31, 60), // |
| Pair.of(61, null)// |
| )); |
| |
| // create loan product |
| PostLoanProductsRequest loanProductsRequest = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct().numberOfRepayments(3)// |
| .repaymentEvery(15)// |
| .repaymentFrequencyType(RepaymentFrequencyType.DAYS.longValue())// |
| .disallowExpectedDisbursements(true)// |
| .multiDisburseLoan(true)// |
| .enableDownPayment(true)// |
| .disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25.0))// |
| .enableAutoRepaymentForDownPayment(true); |
| |
| loanProductsRequest.setDelinquencyBucketId(delinquencyBucketId.longValue()); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductResponse.getResourceId(), "24 May 2024", 1000.0, 3); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(200), "24 May 2024"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(50.0, "Down Payment", "24 May 2024"), // |
| transaction(200.0, "Disbursement", "24 May 2024") // |
| ); |
| |
| // set business date 25 May |
| updateBusinessDate("25 May 2024"); |
| |
| // reverse downpayment transaction |
| Long downPaymentTransactionId = getTransactionId(loanId, "Down Payment", "24 May 2024"); |
| loanTransactionHelper.reverseLoanTransaction(loanId, downPaymentTransactionId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("25 May 2024") |
| .transactionAmount(0.0).locale("en")); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true) // |
| ); |
| |
| // set business date 26 May |
| updateBusinessDate("26 May 2024"); |
| // charge-off loan |
| Long chargeOffTransactionId = chargeOffLoan(loanId, "26 May 2024"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(200.0, "Charge-off", "26 May 2024", 0.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, false) // |
| ); |
| |
| // make backdated repayment on 25 May |
| Long repaymentTransactionId = addRepaymentForLoan(loanId, 10.0, "25 May 2024"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(10.0, "Repayment", "25 May 2024", 190.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(190.0, "Charge-off", "26 May 2024", 0.0, 190.0, 0.0, 0.0, 0.0, 0.0, 0.0, false)); |
| |
| // make refund on 26 May equal to disbursal amount |
| String merchantIssuedRefundExternalId = UUID.randomUUID().toString(); |
| Long merchantIssuedRefundId = loanTransactionHelper.makeMerchantIssuedRefund(loanId, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("26 May 2024").locale("en") |
| .transactionAmount(200.0).externalId(merchantIssuedRefundExternalId)) |
| .getResourceId(); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(10.0, "Repayment", "25 May 2024", 190.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(190.0, "Charge-off", "26 May 2024", 0.0, 190.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(200.0, "Merchant Issued Refund", "26 May 2024", 0.0, 190.0, 0.0, 0.0, 0.0, 0.0, 10.0, false)); |
| |
| // verify loan status is overpaid |
| verifyLoanStatus(loanId, LoanStatus.OVERPAID); |
| // verify journal entries |
| |
| // repayment |
| verifyTRJournalEntries(repaymentTransactionId, // |
| credit(loansReceivableAccount, 10), // |
| debit(fundSource, 10) // |
| ); |
| |
| // charge off |
| verifyTRJournalEntries(chargeOffTransactionId, // |
| credit(loansReceivableAccount, 200), // |
| debit(chargeOffExpenseAccount, 200), // |
| debit(loansReceivableAccount, 200), // |
| credit(chargeOffExpenseAccount, 200) // |
| ); |
| |
| // refund |
| verifyTRJournalEntries(merchantIssuedRefundId, // |
| credit(chargeOffExpenseAccount, 190), // |
| credit(overpaymentAccount, 10), // |
| debit(fundSource, 200) |
| |
| ); |
| |
| // set business date 27 May |
| updateBusinessDate("27 May 2024"); |
| |
| // CBR |
| loanTransactionHelper.makeCreditBalanceRefund(loanId, new PostLoansLoanIdTransactionsRequest().transactionDate("27 May 2024") |
| .dateFormat(DATETIME_PATTERN).transactionAmount(10.0).locale("en")); |
| |
| // verify loan status is closed |
| verifyLoanStatus(loanId, LoanStatus.CLOSED_OBLIGATIONS_MET); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(10.0, "Repayment", "25 May 2024", 190.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(190.0, "Charge-off", "26 May 2024", 0.0, 190.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(200.0, "Merchant Issued Refund", "26 May 2024", 0.0, 190.0, 0.0, 0.0, 0.0, 0.0, 10.0, false), // |
| transaction(10.0, "Credit Balance Refund", "27 May 2024", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 10.0, false)); |
| |
| // reverse backdated repayment |
| loanTransactionHelper.reverseLoanTransaction(loanId, repaymentTransactionId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("27 May 2024") |
| .transactionAmount(0.0).locale("en")); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(200.0, "Disbursement", "24 May 2024", 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(50.0, "Down Payment", "24 May 2024", 150.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(10.0, "Repayment", "25 May 2024", 190.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(200.0, "Charge-off", "26 May 2024", 0.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(200.0, "Merchant Issued Refund", "26 May 2024", 0.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), // |
| transaction(10.0, "Credit Balance Refund", "27 May 2024", 10.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0, false)); |
| |
| // verify journal entries |
| |
| // repayment |
| verifyTRJournalEntries(repaymentTransactionId, // |
| credit(loansReceivableAccount, 10), // |
| debit(fundSource, 10), // |
| debit(loansReceivableAccount, 10), // |
| credit(fundSource, 10) // |
| ); |
| |
| // replayed merchant issued refund |
| Long replayedMerchantIssuedRefundId = loanTransactionHelper.getLoanTransactionDetails(loanId, merchantIssuedRefundExternalId) |
| .getId(); |
| |
| verifyTRJournalEntries(replayedMerchantIssuedRefundId, credit(chargeOffExpenseAccount, 200), // |
| debit(fundSource, 200) // |
| ); |
| |
| // verify journal entries for reversed refund |
| verifyTRJournalEntries(merchantIssuedRefundId, // |
| credit(chargeOffExpenseAccount, 190), // |
| credit(overpaymentAccount, 10), // |
| debit(fundSource, 200), // |
| debit(chargeOffExpenseAccount, 190), // |
| debit(overpaymentAccount, 10), // |
| credit(fundSource, 200)); |
| |
| }); |
| } |
| } |
