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The following commit(s) were added to refs/heads/develop by this push:
new f0cc697c6 FINERACT-2333: Accrual handling in case of Charged-off loan
f0cc697c6 is described below
commit f0cc697c6788927d0f42069c14277afc9663bf63
Author: mariiaKraievska <[email protected]>
AuthorDate: Wed Feb 19 14:38:03 2025 +0200
FINERACT-2333: Accrual handling in case of Charged-off loan
---
.../test/data/loanproduct/DefaultLoanProduct.java | 1 +
.../global/LoanProductGlobalInitializerStep.java | 29 ++
.../fineract/test/support/TestContextKey.java | 1 +
.../src/test/resources/features/BatchApi.feature | 1 +
.../test/resources/features/LoanChargeOff.feature | 311 ++++++++++++++++++++-
...dvancedPaymentScheduleTransactionProcessor.java | 83 +++++-
...cedPaymentScheduleTransactionProcessorTest.java | 2 +-
.../starter/LoanAccountAutoStarter.java | 8 +-
...ChargeOffWithAdvancedPaymentAllocationTest.java | 1 +
.../integrationtests/LoanChargeOffAccrualTest.java | 4 +-
10 files changed, 426 insertions(+), 15 deletions(-)
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
index 451333a06..6df7a71fd 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
@@ -101,6 +101,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE,
//
LP2_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY,
//
LP2_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY, //
+
LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE,
//
;
@Override
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
index c4a878807..36245f3f9 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
@@ -1890,6 +1890,35 @@ public class LoanProductGlobalInitializerStep implements
FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_ACCOUNTING_RULE_NONE,
responseLoanProductsRequestLP2AdvancedpaymentInterest36030InterestRecalcAccountingRuleNone);
+
+ // LP2 with progressive loan schedule + horizontal
+ // + interest recalculation + interest recognition from disbursement
date enabled
+ //
(LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE)
+ String name79 =
DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE
+ .getName();
+ PostLoanProductsRequest
loanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate
= loanProductsRequestFactory
+ .defaultLoanProductsRequestLP2Emi()//
+ .name(name79)//
+ .daysInYearType(DaysInYearType.DAYS360.value)//
+ .daysInMonthType(DaysInMonthType.DAYS30.value)//
+ .isInterestRecalculationEnabled(true)//
+ .preClosureInterestCalculationStrategy(1)//
+ .rescheduleStrategyMethod(4)//
+ .interestRecalculationCompoundingMethod(0)//
+ .recalculationRestFrequencyType(2)//
+ .recalculationRestFrequencyInterval(1)//
+ .interestRecognitionOnDisbursementDate(true)//
+ .paymentAllocation(List.of(//
+ createPaymentAllocation("DEFAULT",
"NEXT_INSTALLMENT"), //
+ createPaymentAllocation("GOODWILL_CREDIT",
"LAST_INSTALLMENT"), //
+ createPaymentAllocation("MERCHANT_ISSUED_REFUND",
"REAMORTIZATION"), //
+ createPaymentAllocation("PAYOUT_REFUND",
"NEXT_INSTALLMENT"))) //
+ .chargeOffBehaviour("ZERO_INTEREST");//
+ Response<PostLoanProductsResponse>
responseLoanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate
= loanProductsApi
+
.createLoanProduct(loanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate).execute();
+ TestContext.INSTANCE.set(
+
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE,
+
responseLoanProductsRequestLP2AdvPaymentInterestRecalcDailyZeroIntChargeOffIntRecognitionFromDisbDate);
}
public static AdvancedPaymentData createPaymentAllocation(String
transactionType, String futureInstallmentAllocationRule,
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
index 40546c174..07902adfd 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
@@ -91,6 +91,7 @@ public abstract class TestContextKey {
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 =
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreClose";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_ACCOUNTING_RULE_NONE
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationAccountingRuleNone";
+ public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyInterestRecalculationDailyZeroInterestChargeOffInterestRecognitionFromDisbursementDate";
public static final String temp =
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyNoCalcOnPastDueTillPreClose";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreCloseLastInstallment";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyTillPreClosePmtAlloc1";
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature
b/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature
index fd0702b8d..d76e10abb 100644
--- a/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature
+++ b/fineract-e2e-tests-runner/src/test/resources/features/BatchApi.feature
@@ -139,5 +139,6 @@ Feature: Batch API
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 |
+ | 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 |
0.0 | 0.0 | 0.0 |
| 01 February 2024 | Charge-off | 83.57 | 83.57 | 0.0 |
0.0 | 0.0 | 0.0 |
And Admin checks the loan has been charged-off on "01 February 2024"
\ No newline at end of file
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
b/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
index 3c4964770..4043996a9 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
@@ -1611,6 +1611,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
+ | 28 February 2024 | Accrual | 36.96 | 0.0 | 36.96 |
0.0 | 0.0 | 0.0 | false | false |
| 28 February 2024 | Charge-off | 1220.23 | 1000.0 | 54.75 |
105.48 | 60.0 | 0.0 | false | false |
Then Admin fails to disburse the loan on "28 February 2024" with "500" EUR
transaction amount because of charge-off that was performed for the loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"28 February 2024" with 500 EUR transaction amount and system-generated
Idempotency key
@@ -1687,6 +1688,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3338 @AdvancedPaymentAllocation
@@ -1744,6 +1746,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "06 June 2024"
Then Admin does a charge-off undo the loan
@@ -1766,8 +1769,9 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | true | false |
- | 06 June 2024 | Accrual | 0.28 | 0.0 | 0.28 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 June 2024 | Accrual | 0.21 | 0.0 | 0.21 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3326 @AdvancedPaymentAllocation
Scenario: Verify the repayment schedule is updated before the Charge-off in
case of interest recalculation = true
@@ -1862,6 +1866,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3338 @AdvancedPaymentAllocation
@@ -1919,6 +1924,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "06 June 2024"
Then Admin does a charge-off undo the loan
@@ -1941,8 +1947,9 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 June 2024 | Disbursement | 250.0 | 0.0 | 0.0 |
0.0 | 0.0 | 250.0 | false | false |
| 02 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 June 2024 | Accrual | 0.07 | 0.0 | 0.07 |
0.0 | 0.0 | 0.0 | false | false |
| 03 June 2024 | Charge-off | 255.23 | 250.0 | 5.23 |
0.0 | 0.0 | 0.0 | true | false |
- | 06 June 2024 | Accrual | 0.28 | 0.0 | 0.28 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 June 2024 | Accrual | 0.21 | 0.0 | 0.21 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3326 @AdvancedPaymentAllocation
Scenario: Verify the repayment schedule is updated before the Charge-off in
case of interest recalculation = true
@@ -2031,6 +2038,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3340
@@ -2086,6 +2094,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3341
@@ -2141,6 +2150,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 |
0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3342
@@ -2202,6 +2212,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 |
0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 |
0.0 | 0.0 | 33.71 | false | false |
+ | 15 July 2024 | Accrual | 2.15 | 0.0 | 2.15 |
0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.11 | 33.71 | 0.4 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3343
@@ -2257,6 +2268,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3344
@@ -2312,6 +2324,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 |
0.0 | 0.0 | 0.0 | false | false |
# ----- backdated repayment on 1 March made on 31 March ----- #
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR
transaction amount
@@ -2332,6 +2345,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 |
0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3345
@@ -2387,6 +2401,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
# ----- repayment reversal of 1st February ----- #
When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
@@ -2406,6 +2421,8 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | true | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 February 2024 | Accrual | 0.09 | 0.0 | 0.09 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.14 | 100.0 | 1.14 |
0.0 | 0.0 | 0.0 | false | true |
And In Loan Transactions the "2"th Transaction has Transaction
type="Repayment" and is reverted
@@ -2463,6 +2480,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
# ----- repayment after charge off on 1st March ----- #
When Admin sets the business date to "1 March 2024"
@@ -2483,6 +2501,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 |
0.0 | 0.0 | 67.03 | false | false |
@@ -2542,6 +2561,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3348
@@ -2599,6 +2619,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3349
@@ -2658,6 +2679,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58
| 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Waive loan charges | 3.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05
| 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47
| 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3412
@@ -2715,6 +2737,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3413
@@ -2939,6 +2962,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 |
0.0 | 0.0 | 82.99 | false | false |
+ | 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 82.99 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
And Admin set
"LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF"
loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future
installment allocation rule
@@ -2977,6 +3001,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 |
+ | 14 February 2023 | Accrual | 0.85 | 0.0 | 0.85 |
0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 |
0.0 | 0.0 | 0.0 |
And Admin does a charge-off undo the loan
Then Loan Repayment schedule has 6 periods, with the following data for
periods:
@@ -2994,6 +3019,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 |
+ | 14 February 2023 | Accrual | 0.85 | 0.0 | 0.85 |
0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.85 | 100.0 | 0.85 |
0.0 | 0.0 | 0.0 |
@TestRailId:C3352 @AdvancedPaymentAllocation
@@ -3052,6 +3078,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 |
0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "1 March 2024"
And Admin does a charge-off undo the loan
@@ -3071,6 +3098,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 |
0.0 | 0.0 | 0.0 | true | false |
@TestRailId:C3353 @AdvancedPaymentAllocation
@@ -3129,6 +3157,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3354 @AdvancedPaymentAllocation
@@ -3187,6 +3216,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 |
0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3355 @AdvancedPaymentAllocation
@@ -3262,6 +3292,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 |
0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 |
0.0 | 0.0 | 33.71 | false | false |
+ | 15 July 2024 | Accrual | 2.15 | 0.0 | 2.15 |
0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.11 | 33.71 | 0.4 |
0.0 | 0.0 | 0.0 | false | false |
Given Global configuration
"is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3322,6 +3353,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 |
0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "02 April 2024"
When Admin runs inline COB job for Loan
@@ -3339,6 +3371,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3357 @AdvancedPaymentAllocation
@@ -3399,6 +3432,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 |
0.0 | 0.0 | 0.0 | false | false |
# --- Backdated repayment ---
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR
transaction amount
@@ -3419,6 +3453,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
+ | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 |
0.0 | 0.0 | 0.0 | false | true |
And Global configuration
"is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3479,6 +3514,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
When Customer undo "1"th repayment on "01 February 2024"
Then Loan Repayment schedule has 2 periods, with the following data for
periods:
@@ -3496,6 +3532,8 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | true | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 February 2024 | Accrual | 0.09 | 0.0 | 0.09 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.14 | 100.0 | 1.14 |
0.0 | 0.0 | 0.0 | false | true |
And Global configuration
"is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3556,6 +3594,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR
transaction amount
@@ -3571,6 +3610,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 |
0.0 | 0.0 | 67.03 | false | false |
And Global configuration
"is-principal-compounding-disabled-for-overdue-loans" is disabled
@@ -3634,6 +3674,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 |
0.0 | 0.0 | 82.99 | false | false |
+ | 29 February 2024 | Accrual | 0.9 | 0.0 | 0.9 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.89 | 82.99 | 0.9 |
0.0 | 0.0 | 0.0 | false | false |
@Skip @TestRailId:C3361 @AdvancedPaymentAllocation
@@ -3794,6 +3835,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 20.98 | 13.98 | 7.0 |
0.0 | 0.0 | 86.02 | false | false |
+ | 02 April 2024 | Accrual | 19.24 | 0.0 | 19.24 |
0.0 | 0.0 | 0.0 | false | false |
| 02 April 2024 | Charge-off | 108.57 | 86.02 | 22.55 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3363
@@ -3849,6 +3891,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3364
@@ -3904,6 +3947,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3365
@@ -3959,6 +4003,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 14 February 2024 | Accrual | 0.8 | 0.0 | 0.8 |
0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3366
@@ -4020,6 +4065,7 @@ Feature: Charge-off
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 |
0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 |
0.0 | 0.0 | 33.71 | false | false |
+ | 15 July 2024 | Accrual | 2.05 | 0.0 | 2.05 |
0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Charge-off | 34.01 | 33.71 | 0.3 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3367
@@ -4075,6 +4121,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.44 | 83.57 | 0.87 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3368
@@ -4130,6 +4177,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.44 | 83.57 | 0.87 |
0.0 | 0.0 | 0.0 | false | false |
# ----- backdated repayment on 1 March made on 31 March ----- #
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR
transaction amount
@@ -4150,6 +4198,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 |
0.0 | 0.0 | 67.05 | false | false |
+ | 31 March 2024 | Accrual | 1.45 | 0.0 | 1.45 |
0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 67.43 | 67.05 | 0.38 |
0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3369
@@ -4205,6 +4254,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
# ----- repayment reversal of 1st February ----- #
When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
@@ -4224,6 +4274,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | true | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 101.05 | 100.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | true |
And In Loan Transactions the "2"th Transaction has Transaction
type="Repayment" and is reverted
@@ -4281,6 +4332,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
# ----- repayment after charge off on 1st March ----- #
When Admin sets the business date to "1 March 2024"
@@ -4301,6 +4353,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.54 | 0.47 |
0.0 | 0.0 | 67.03 | false | false |
@@ -4360,6 +4413,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3372
@@ -4417,6 +4471,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3373
@@ -4476,6 +4531,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58
| 5.0 | 0.0 | 83.57 | false | false |
| 29 February 2024 | Waive loan charges | 3.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05
| 0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47
| 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3414
@@ -4530,10 +4586,11 @@ Feature: Charge-off
| Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Waived | Outstanding |
| 100 | 1.05 | 8.0 | 0 | 109.05 | 22.01 | 0
| 0 | 0.0 | 87.04 |
Then Loan Transactions tab has the following data:
- | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
- | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
- | 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
- | 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 22.01 | 16.43 | 0.58 |
5.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 February 2024 | Charge-off | 87.04 | 83.57 | 0.47 |
3.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3415
Scenario: Backdated charge-off with charge is added after the charge off
date when loan behavior is zero-interest with interestRecalculation disabled is
forbidden - UC9.5
@@ -4757,6 +4814,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.91 | 0.1 |
0.0 | 0.0 | 83.09 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.14 | 83.09 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product
"DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation
rule
@@ -4814,6 +4872,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.15 | 16.94 | 0.21 |
0.0 | 0.0 | 83.06 | false | false |
+ | 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.09 | 83.06 | 1.03 |
0.0 | 0.0 | 0.0 | false | false |
And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR" loan
product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment
allocation rule
@@ -4852,6 +4911,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 |
+ | 14 February 2023 | Accrual | 0.8 | 0.0 | 0.8 |
0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.8 | 100.0 | 0.8 |
0.0 | 0.0 | 0.0 |
And Admin does a charge-off undo the loan
Then Loan Repayment schedule has 6 periods, with the following data for
periods:
@@ -4869,6 +4929,7 @@ Feature: Charge-off
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 |
+ | 14 February 2023 | Accrual | 0.8 | 0.0 | 0.8 |
0.0 | 0.0 | 0.0 |
| 14 February 2023 | Charge-off | 100.8 | 100.0 | 0.8 |
0.0 | 0.0 | 0.0 |
@TestRailId:C3379
@@ -4924,6 +4985,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29
February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -4985,6 +5047,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29
February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -5046,6 +5109,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29
February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
@@ -5112,6 +5176,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 92.06 | 83.57 | 0.49 |
8.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3461
@@ -5173,6 +5238,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 |
5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3462
@@ -5234,6 +5300,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 |
5.0 | 10.0 | 0.0 | false | false |
And Admin waives due date charge
Then Loan Repayment schedule has 2 periods, with the following data for
periods:
@@ -5249,6 +5316,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58
| 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07
| 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 94.06 | 83.57 | 0.49
| 0.0 | 10.0 | 0.0 | false | true |
@TestRailId:C3463
@@ -5309,6 +5377,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.06 | 83.57 | 0.49 |
5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3464
@@ -5370,6 +5439,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 91.06 | 83.57 | 0.49 |
7.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3465
@@ -5431,6 +5501,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 |
0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 |
5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3466
@@ -5492,6 +5563,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
+ | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 |
0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 |
5.0 | 10.0 | 0.0 | false | false |
And Admin waives charge
Then Loan Repayment schedule has 3 periods, with the following data for
periods:
@@ -5508,6 +5580,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58
| 0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.57 | false | false |
+ | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82
| 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 88.81 | 83.57 | 0.24
| 5.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3497 @AdvancedPaymentAllocation
@@ -5566,6 +5639,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 |
0.0 | 0.0 | 82.99 | false | false |
+ | 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 82.99 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3498 @AdvancedPaymentAllocation
@@ -5644,6 +5718,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 |
0.0 | 0.0 | 83.57 | false | false |
| 15 February 2024 | Repayment | 17.01 | 16.77 | 0.24 |
0.0 | 0.0 | 66.8 | false | true |
+ | 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 66.98 | 66.8 | 0.18 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3499 @AdvancedPaymentAllocation
@@ -5700,6 +5775,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.04 | 16.6 | 0.44 |
0.0 | 0.0 | 83.4 | false | true |
+ | 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 83.99 | 83.4 | 0.59 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3500 @AdvancedPaymentAllocation
@@ -5777,6 +5853,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Repayment | 17.04 | 16.6 | 0.44 |
0.0 | 0.0 | 66.99 | false | true |
+ | 29 February 2024 | Accrual | 1.03 | 0.0 | 1.03 |
0.0 | 0.0 | 0.0 | false | false |
| 29 February 2024 | Charge-off | 66.99 | 66.99 | 0.0 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3467
@@ -5834,6 +5911,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.05 | 83.59 | 0.46 |
5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3468
@@ -5892,6 +5970,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 92.05 | 83.59 | 0.46 |
8.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3469
@@ -5951,6 +6030,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.05 | 83.59 | 0.46 |
5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3470
@@ -6010,6 +6090,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 99.05 | 83.59 | 0.46 |
5.0 | 10.0 | 0.0 | false | false |
And Admin waives due date charge
Then Loan Repayment schedule has 2 periods, with the following data for
periods:
@@ -6025,6 +6106,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59
| 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05
| 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 94.05 | 83.59 | 0.46
| 0.0 | 10.0 | 0.0 | false | true |
@TestRailId:C3471
@@ -6083,6 +6165,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 89.05 | 83.59 | 0.46 |
5.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3472
@@ -6142,6 +6225,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 01 March 2024 | Accrual | 1.05 | 0.0 | 1.05 |
0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Charge-off | 91.05 | 83.59 | 0.46 |
7.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3473
@@ -6201,6 +6285,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81 |
0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.59 | 0.22 |
5.0 | 10.0 | 0.0 | false | false |
@TestRailId:C3474
@@ -6260,6 +6345,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59 |
0.0 | 0.0 | 83.59 | false | false |
+ | 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81 |
0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 98.81 | 83.59 | 0.22 |
5.0 | 10.0 | 0.0 | false | false |
And Admin waives charge
Then Loan Repayment schedule has 3 periods, with the following data for
periods:
@@ -6276,6 +6362,7 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0
| 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.0 | 16.41 | 0.59
| 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0
| 0.0 | 0.0 | 83.59 | false | false |
+ | 15 February 2024 | Accrual | 0.81 | 0.0 | 0.81
| 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Charge-off | 88.81 | 83.59 | 0.22
| 5.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3508
@@ -6338,6 +6425,7 @@ Feature: Charge-off
| Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 |
0.0 | 0.0 | 832.54 | false | false |
+ | 31 January 2023 | Accrual | 5.14 | 0.0 | 5.14 |
0.0 | 0.0 | 0.0 | false | false |
| 31 January 2023 | Charge-off | 835.05 | 832.54 | 2.51 |
0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3511
@@ -6473,4 +6561,213 @@ Feature: Charge-off
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Accrual | 2.05 | 0.0 | 2.05 |
0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 |
0.0 | 0.0 | 83.25 | false | false |
- | 01 March 2024 | Charge-off | 84.99 | 83.25 | 1.74 |
0.0 | 0.0 | 0.0 | false | false |
\ No newline at end of file
+ | 01 March 2024 | Charge-off | 84.99 | 83.25 | 1.74 |
0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C3513
+ Scenario: Accrual handling in case of charged-off loan when loan behavior is
zero-interest with interestRecalculation enabled, interest recognition from
disbursement date = FALSE
+ When Admin sets the business date to "2 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct
| submitted on date | with Principal | ANNUAL interest rate % | interest
type | interest calculation period | amortization type | loanTermFrequency
| loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ |
LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF |
01 January 2024 | 100 | 7 | DECLINING_BALANCE
| DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS
| 1 | MONTHS | 6 |
0 | 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ Then Loan Repayment schedule has 6 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal
due | Interest | Fees | Penalties | Due | Paid | In advance | Late |
Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | | | | 0.0
|
+ | 1 | 31 | 01 February 2024 | | 83.57 | 16.43
| 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 2 | 29 | 01 March 2024 | | 67.05 | 16.52
| 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 3 | 31 | 01 April 2024 | | 50.43 | 16.62
| 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 4 | 30 | 01 May 2024 | | 33.71 | 16.72
| 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 |
17.01 |
+ | 5 | 31 | 01 June 2024 | | 16.9 | 16.81
| 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 |
17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 16.9
| 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 |
17.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0
| 0 | 102.05 |
+ And Admin successfully approves the loan on "1 January 2024" with "100"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "100"
EUR transaction amount
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "31 January 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ And Admin does charge-off the loan on "31 January 2024"
+ Then Loan Repayment schedule has 6 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan |
Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2024 | | 83.55 |
16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 66.54 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 49.53 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 32.52 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 15.51 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 |
15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 |
0.0 | 15.51 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0
| 0 | 100.56 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 |
0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C3514
+ Scenario: Accrual handling in case of charged-off loan when loan behavior is
zero-interest with interestRecalculation enabled, interest recognition from
disbursement date = TRUE
+ When Admin sets the business date to "2 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct
| submitted on date | with Principal | ANNUAL
interest rate % | interest type | interest calculation period |
amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery
| repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment |
graceOnInterestPayment | interest free period | Payment strategy |
+ |
LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE
| 01 January 2024 | 100 | 7 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ Then Loan Repayment schedule has 6 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal
due | Interest | Fees | Penalties | Due | Paid | In advance | Late |
Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | | | | 0.0
|
+ | 1 | 31 | 01 February 2024 | | 83.57 | 16.43
| 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 2 | 29 | 01 March 2024 | | 67.05 | 16.52
| 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 3 | 31 | 01 April 2024 | | 50.43 | 16.62
| 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01
|
+ | 4 | 30 | 01 May 2024 | | 33.71 | 16.72
| 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 |
17.01 |
+ | 5 | 31 | 01 June 2024 | | 16.9 | 16.81
| 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 |
17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 16.9
| 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 |
17.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0
| 0 | 102.05 |
+ And Admin successfully approves the loan on "1 January 2024" with "100"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "100"
EUR transaction amount
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "31 January 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ And Admin does charge-off the loan on "31 January 2024"
+ Then Loan Repayment schedule has 6 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan |
Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 31 | 01 February 2024 | | 83.55 |
16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 66.54 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 49.53 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 32.52 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 15.51 |
17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 |
0.0 | 17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 |
15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 |
0.0 | 15.51 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0
| 0 | 100.56 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 |
0.0 | 0.0 | 100.0 | false | false |
+ | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 |
0.0 | 0.0 | 0.0 | false | false |
+ | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 |
0.0 | 0.0 | 0.0 | false | false |
+ | 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 |
0.0 | 0.0 | 0.0 | false | false |
diff --git
a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
index 131951e9c..8d1855b7f 100644
---
a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+++
b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
@@ -21,6 +21,7 @@ package
org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.im
import static java.math.BigDecimal.ZERO;
import static java.util.stream.Collectors.mapping;
import static java.util.stream.Collectors.toList;
+import static
org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction.accrueTransaction;
import static
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationTypeEnum.CHARGEBACK;
import static
org.apache.fineract.portfolio.loanproduct.domain.AllocationType.FEE;
import static
org.apache.fineract.portfolio.loanproduct.domain.AllocationType.INTEREST;
@@ -60,6 +61,7 @@ import org.apache.commons.lang3.ObjectUtils;
import org.apache.commons.lang3.tuple.Pair;
import
org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
import org.apache.fineract.infrastructure.core.service.MathUtil;
import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
import org.apache.fineract.organisation.monetary.domain.Money;
@@ -81,6 +83,7 @@ import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionComparator;
import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelation;
import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationTypeEnum;
+import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionToRepaymentScheduleMapping;
import
org.apache.fineract.portfolio.loanaccount.domain.reaging.LoanReAgeParameter;
import
org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.AbstractLoanRepaymentScheduleTransactionProcessor;
@@ -109,9 +112,11 @@ public class AdvancedPaymentScheduleTransactionProcessor
extends AbstractLoanRep
public static final String ADVANCED_PAYMENT_ALLOCATION_STRATEGY =
"advanced-payment-allocation-strategy";
public static final String ADVANCED_PAYMENT_ALLOCATION_STRATEGY_NAME =
"Advanced payment allocation strategy";
- public final EMICalculator emiCalculator;
- public final LoanRepositoryWrapper loanRepositoryWrapper;
- public final InterestRefundService interestRefundService;
+ private final EMICalculator emiCalculator;
+ private final LoanRepositoryWrapper loanRepositoryWrapper;
+ private final InterestRefundService interestRefundService;
+ private final LoanTransactionRepository loanTransactionRepository;
+ private final ExternalIdFactory externalIdFactory;
@Override
public String getCode() {
@@ -1342,6 +1347,11 @@ public class AdvancedPaymentScheduleTransactionProcessor
extends AbstractLoanRep
}
}
+ final BigDecimal newInterest =
getInterestTillChargeOffForPeriod(loanTransaction.getLoan(),
loanTransaction.getTransactionDate(),
+ transactionCtx);
+ createMissingAccrualTransactionDuringChargeOffIfNeeded(newInterest,
loanTransaction.getLoan(),
+ loanTransaction.getTransactionDate());
+
loanTransaction.resetDerivedComponents();
// determine how much is outstanding total and breakdown for
principal, interest and charges
Money principalPortion = Money.zero(transactionCtx.getCurrency());
@@ -2267,4 +2277,71 @@ public class AdvancedPaymentScheduleTransactionProcessor
extends AbstractLoanRep
processSingleTransaction(processTransaction, transactionCtx);
}
}
+
+ private BigDecimal getInterestTillChargeOffForPeriod(final Loan loan,
final LocalDate chargeOffDate,
+ final TransactionCtx transactionCtx) {
+ BigDecimal interestTillChargeOff = BigDecimal.ZERO;
+ final MonetaryCurrency currency = loan.getCurrency();
+
+ final List<LoanRepaymentScheduleInstallment> installments =
loan.getRepaymentScheduleInstallments().stream()
+ .filter(i -> !i.isAdditional()).toList();
+
+ for (LoanRepaymentScheduleInstallment installment : installments) {
+ final boolean isPastPeriod =
!installment.getDueDate().isAfter(chargeOffDate);
+ final boolean isInPeriod =
!installment.getFromDate().isAfter(chargeOffDate) &&
installment.getDueDate().isAfter(chargeOffDate);
+
+ BigDecimal interest = BigDecimal.ZERO;
+
+ if (isPastPeriod) {
+ interest =
installment.getInterestCharged(currency).minus(installment.getCreditedInterest()).getAmount();
+ } else if (isInPeriod) {
+ if (transactionCtx instanceof ProgressiveTransactionCtx
progressiveTransactionCtx
+ &&
loan.isInterestBearingAndInterestRecalculationEnabled()) {
+ interest = emiCalculator
+
.getPeriodInterestTillDate(progressiveTransactionCtx.getModel(),
installment.getDueDate(), chargeOffDate, true)
+ .getAmount();
+ } else {
+ final BigDecimal totalInterest =
installment.getInterestOutstanding(currency).getAmount();
+ if
(LoanChargeOffBehaviour.ZERO_INTEREST.equals(loan.getLoanProductRelatedDetail().getChargeOffBehaviour())
+ || LoanChargeOffBehaviour.ACCELERATE_MATURITY
+
.equals(loan.getLoanProductRelatedDetail().getChargeOffBehaviour())) {
+ interest = totalInterest;
+ } else {
+ final long totalDaysInPeriod =
ChronoUnit.DAYS.between(installment.getFromDate(), installment.getDueDate());
+ final long daysTillChargeOff =
ChronoUnit.DAYS.between(installment.getFromDate(), chargeOffDate);
+ final MathContext mc = MoneyHelper.getMathContext();
+
+ interest = Money.of(currency,
totalInterest.divide(BigDecimal.valueOf(totalDaysInPeriod), mc)
+
.multiply(BigDecimal.valueOf(daysTillChargeOff), mc), mc).getAmount();
+ }
+ }
+ }
+ interestTillChargeOff = interestTillChargeOff.add(interest);
+ }
+
+ return interestTillChargeOff;
+ }
+
+ private void createMissingAccrualTransactionDuringChargeOffIfNeeded(final
BigDecimal newInterest, final Loan loan,
+ final LocalDate chargeOffDate) {
+ final List<LoanRepaymentScheduleInstallment> relevantInstallments =
loan.getRepaymentScheduleInstallments().stream()
+ .filter(i -> !i.getFromDate().isAfter(chargeOffDate)).toList();
+
+ if (relevantInstallments.isEmpty()) {
+ return;
+ }
+
+ final BigDecimal sumOfAccrualsTillChargeOff =
loan.getLoanTransactions().stream()
+ .filter(lt -> lt.isAccrual() &&
!lt.getTransactionDate().isAfter(chargeOffDate))
+ .map(lt ->
Optional.ofNullable(lt.getInterestPortion()).orElse(BigDecimal.ZERO)).reduce(BigDecimal.ZERO,
BigDecimal::add);
+
+ final BigDecimal missingAccrualAmount =
newInterest.subtract(sumOfAccrualsTillChargeOff);
+
+ if (missingAccrualAmount.compareTo(BigDecimal.ZERO) > 0) {
+ final LoanTransaction newAccrualTransaction =
accrueTransaction(loan, loan.getOffice(), chargeOffDate, missingAccrualAmount,
+ missingAccrualAmount, ZERO, ZERO,
externalIdFactory.create());
+ loan.addLoanTransaction(newAccrualTransaction);
+ loanTransactionRepository.saveAndFlush(newAccrualTransaction);
+ }
+ }
}
diff --git
a/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java
b/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java
index ca646447c..9a9a5ef1c 100644
---
a/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java
+++
b/fineract-progressive-loan/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessorTest.java
@@ -111,7 +111,7 @@ class AdvancedPaymentScheduleTransactionProcessorTest {
@BeforeEach
public void setUp() {
- underTest = new
AdvancedPaymentScheduleTransactionProcessor(emiCalculator,
loanRepositoryWrapper, null);
+ underTest = new
AdvancedPaymentScheduleTransactionProcessor(emiCalculator,
loanRepositoryWrapper, null, null, null);
ThreadLocalContextUtil.setTenant(new FineractPlatformTenant(1L,
"default", "Default", "Asia/Kolkata", null));
ThreadLocalContextUtil.setActionContext(ActionContext.DEFAULT);
diff --git
a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java
b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java
index 0f7ce982f..fa20d4eee 100644
---
a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java
+++
b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java
@@ -19,8 +19,10 @@
package org.apache.fineract.portfolio.loanaccount.starter;
import java.util.List;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
import
org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleTransactionProcessorFactory;
import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
+import
org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRepository;
import
org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
import
org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
import
org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.CreocoreLoanRepaymentScheduleTransactionProcessor;
@@ -109,7 +111,9 @@ public class LoanAccountAutoStarter {
@Conditional(AdvancedPaymentScheduleTransactionProcessorCondition.class)
public AdvancedPaymentScheduleTransactionProcessor
advancedPaymentScheduleTransactionProcessor(EMICalculator emiCalculator,
LoanRepositoryWrapper loanRepositoryWrapper,
- @Lazy ProgressiveLoanInterestRefundServiceImpl
progressiveLoanInterestRefundService) {
- return new AdvancedPaymentScheduleTransactionProcessor(emiCalculator,
loanRepositoryWrapper, progressiveLoanInterestRefundService);
+ @Lazy ProgressiveLoanInterestRefundServiceImpl
progressiveLoanInterestRefundService,
+ LoanTransactionRepository loanTransactionRepository,
ExternalIdFactory externalIdFactory) {
+ return new AdvancedPaymentScheduleTransactionProcessor(emiCalculator,
loanRepositoryWrapper, progressiveLoanInterestRefundService,
+ loanTransactionRepository, externalIdFactory);
}
}
diff --git
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java
index 802c3522f..06c63b642 100644
---
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java
+++
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountChargeOffWithAdvancedPaymentAllocationTest.java
@@ -591,6 +591,7 @@ public class
LoanAccountChargeOffWithAdvancedPaymentAllocationTest extends BaseL
verifyTransactions(loanId, //
transaction(1000.0d, "Disbursement", "01 January 2024",
1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, false), //
transaction(170.09d, "Repayment", "15 January 2024",
832.54, 167.46, 2.63, 0.0, 0.0, 0.0, 0.0, false), //
+ transaction(5.14d, "Accrual", "31 January 2024", 0.0, 0.0,
5.14, 0.0, 0.0, 0.0, 0.0, false), //
transaction(835.05d, "Charge-off", "31 January 2024", 0.0,
832.54, 2.51, 0.0, 0.0, 0.0, 0.0, false) //
);
});
diff --git
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java
index 5c3730e93..cdd8415d5 100644
---
a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java
+++
b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargeOffAccrualTest.java
@@ -69,7 +69,7 @@ public class LoanChargeOffAccrualTest extends
BaseLoanIntegrationTest {
executeInlineCOB(loanId);
final GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(loanId);
final List<GetLoansLoanIdTransactions> transactions =
loanDetails.getTransactions();
- Assertions.assertTrue(transactions.stream().filter(o ->
o.getType().getAccrual()).toList().size() == 1);
+ Assertions.assertTrue(transactions.stream().filter(o ->
o.getType().getAccrual()).toList().size() == 2);
});
runAt("05 June 2024", () -> {
@@ -78,7 +78,7 @@ public class LoanChargeOffAccrualTest extends
BaseLoanIntegrationTest {
final GetLoansLoanIdResponse loanDetails =
loanTransactionHelper.getLoanDetails(loanId);
final List<GetLoansLoanIdTransactions> transactions =
loanDetails.getTransactions();
- Assertions.assertTrue(transactions.stream().filter(o ->
o.getType().getAccrual()).toList().size() == 2);
+ Assertions.assertTrue(transactions.stream().filter(o ->
o.getType().getAccrual()).toList().size() == 3);
});
}
}
