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FINERACT-1981: interest recalculation fix for overdue cases
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kjozsa committed Sep 27, 2024
1 parent 7ed0a82 commit 42e81ef
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Expand Up @@ -22,15 +22,20 @@
import io.cucumber.java.en.Then;
import java.io.IOException;
import java.util.ArrayList;
import java.util.Comparator;
import java.util.List;
import java.util.stream.Collectors;
import lombok.extern.slf4j.Slf4j;
import org.apache.fineract.client.models.BusinessStep;
import org.apache.fineract.client.models.GetBusinessStepConfigResponse;
import org.apache.fineract.client.models.UpdateBusinessStepConfigRequest;
import org.apache.fineract.client.services.BusinessStepConfigurationApi;
import org.apache.fineract.test.helper.ErrorHelper;
import org.apache.fineract.test.stepdef.AbstractStepDef;
import org.springframework.beans.factory.annotation.Autowired;
import retrofit2.Response;

@Slf4j
public class BusinessStepStepDef extends AbstractStepDef {

private static final String WORKFLOW_NAME_LOAN_CLOSE_OF_BUSINESS = "LOAN_CLOSE_OF_BUSINESS";
Expand Down Expand Up @@ -149,4 +154,56 @@ public void removeCheckDueInstallmentsJobInCOB() throws IOException {
.execute();
ErrorHelper.checkSuccessfulApiCall(response);
}

@Given("Admin puts {string} business step into LOAN_CLOSE_OF_BUSINESS workflow")
public void putGivenJobInCOB(String businessStepName) throws IOException {
List<BusinessStep> businessSteps = retrieveLoanCOBJobSteps();
if (businessSteps.stream().anyMatch(businessStep -> businessStep.getStepName().equals(businessStepName))) {
return;
}

businessSteps.add(new BusinessStep().stepName(businessStepName).order((long) (1 + businessSteps.size())));

UpdateBusinessStepConfigRequest request = new UpdateBusinessStepConfigRequest().businessSteps(businessSteps);
Response<Void> response = businessStepConfigurationApi.updateJobBusinessStepConfig(WORKFLOW_NAME_LOAN_CLOSE_OF_BUSINESS, request)
.execute();
ErrorHelper.checkSuccessfulApiCall(response);

logChanges();
}

@Then("Admin removes {string} business step into LOAN_CLOSE_OF_BUSINESS workflow")
public void removeGivenJobInCOB(String businessStepName) throws IOException {
List<BusinessStep> businessSteps = retrieveLoanCOBJobSteps();
businessSteps.removeIf(businessStep -> businessStep.getStepName().equals(businessStepName));

UpdateBusinessStepConfigRequest request = new UpdateBusinessStepConfigRequest().businessSteps(businessSteps);
Response<Void> response = businessStepConfigurationApi.updateJobBusinessStepConfig(WORKFLOW_NAME_LOAN_CLOSE_OF_BUSINESS, request)
.execute();
ErrorHelper.checkSuccessfulApiCall(response);

logChanges();
}

private List<BusinessStep> retrieveLoanCOBJobSteps() throws IOException {
Response<GetBusinessStepConfigResponse> businessStepConfigResponse = businessStepConfigurationApi
.retrieveAllConfiguredBusinessStep(WORKFLOW_NAME_LOAN_CLOSE_OF_BUSINESS).execute();
ErrorHelper.checkSuccessfulApiCall(businessStepConfigResponse);
return businessStepConfigResponse.body().getBusinessSteps();
}

private void logChanges() throws IOException {
// --- log changes ---
Response<GetBusinessStepConfigResponse> changesResponse = businessStepConfigurationApi
.retrieveAllConfiguredBusinessStep(WORKFLOW_NAME_LOAN_CLOSE_OF_BUSINESS).execute();
List<BusinessStep> businessStepsChanged = changesResponse.body().getBusinessSteps();
List<String> changes = businessStepsChanged//
.stream()//
.sorted(Comparator.comparingLong(BusinessStep::getOrder))//
.map(BusinessStep::getStepName)//
.collect(Collectors.toList());//

log.info("Business steps has been CHANGED to the following:");
changes.forEach(e -> log.info(e));
}
}
22 changes: 22 additions & 0 deletions fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
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Expand Up @@ -5657,3 +5657,25 @@ Feature: Loan
| 15 February 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false |
Then Loan's all installments have obligations met
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_TILL_REST_FREQUENCY" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule

Scenario: Interest recalculation - daily for overdue loan
When Admin sets the business date to "1 January 2024"
When Admin creates a client with random data
When 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_EMI_360_30_INTEREST_RECALCULATION_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "15 July 2025"
When Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
When Admin runs inline COB job for Loan
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 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 34.28 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.85 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.85 | 0.58 | 0.0 | 0.0 | 18.43 | 0.0 | 0.0 | 0.0 | 18.43 |
When Admin removes "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
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Expand Up @@ -905,7 +905,6 @@ private void recalculateInterestForDate(LocalDate currentDate, ProgressiveTransa

overDuePrincipal = overDuePrincipal.add(processingInstallment.getPrincipalOutstanding(ctx.getCurrency()).getAmount());
}
adjustOverduePrincipalForInstallment(currentDate, isLastRecalculation, currentInstallment, overDuePrincipal, ctx);
}
}
}
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