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new 57ef4a2771 FINERACT-2307: added e2e tests for disbursement with
Capitalized Income amount calculation while approved over applied setting
enabled
57ef4a2771 is described below
commit 57ef4a2771ea5c5a7158c2c3c10eb5e8380cddf7
Author: mdmytriv <[email protected]>
AuthorDate: Tue Jun 3 09:54:00 2025 +0300
FINERACT-2307: added e2e tests for disbursement with Capitalized Income
amount calculation while approved over applied setting enabled
---
.../test/data/OverAppliedCalculationType.java | 35 ++++++
.../test/data/loanproduct/DefaultLoanProduct.java | 1 +
.../test/factory/LoanProductsRequestFactory.java | 3 +-
.../fineract/test/helper/ErrorMessageHelper.java | 5 +
.../global/LoanProductGlobalInitializerStep.java | 37 ++++++
.../fineract/test/stepdef/loan/LoanStepDef.java | 18 +++
.../fineract/test/support/TestContextKey.java | 1 +
.../features/LoanCapitalizedIncome.feature | 133 +++++++++++++++++++++
8 files changed, 232 insertions(+), 1 deletion(-)
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/OverAppliedCalculationType.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/OverAppliedCalculationType.java
new file mode 100644
index 0000000000..faacb302b6
--- /dev/null
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/OverAppliedCalculationType.java
@@ -0,0 +1,35 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.test.data;
+
+public enum OverAppliedCalculationType {
+
+ PERCENTAGE("percentage"), //
+ FIXED_SIZE("flat"); //
+
+ public final String value;
+
+ OverAppliedCalculationType(String value) {
+ this.value = value;
+ }
+
+ public String getValue() {
+ return value;
+ }
+}
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 8bd937c171..afb3fdc084 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
@@ -130,6 +130,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON_INTEREST_RECALC_CAPITALIZED_INCOME,
//
LP2_ADV_PYMNT_360_30_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_ACCRUAL_ACTIVITY,
//
LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_CONTRACT_TERMINATION,
//
+
LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME,
//
;
@Override
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
index 1da1db9e7f..c664e6ffe0 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
@@ -42,6 +42,7 @@ import
org.apache.fineract.test.data.InterestCalculationPeriodTime;
import org.apache.fineract.test.data.InterestRateFrequencyType;
import org.apache.fineract.test.data.InterestRecalculationCompoundingMethod;
import org.apache.fineract.test.data.InterestType;
+import org.apache.fineract.test.data.OverAppliedCalculationType;
import org.apache.fineract.test.data.PreClosureInterestCalculationRule;
import org.apache.fineract.test.data.RecalculationCompoundingFrequencyType;
import org.apache.fineract.test.data.RecalculationRestFrequencyType;
@@ -111,7 +112,7 @@ public class LoanProductsRequestFactory {
public static final Integer LOAN_ACCOUNTING_RULE =
AccountingRule.ACCRUAL_PERIODIC.value;
public static final Integer LOAN_ACCOUNTING_RULE_NONE =
AccountingRule.NONE.value;
public static final Integer CASH_ACCOUNTING_RULE =
AccountingRule.CASH_BASED.value;
- public static final String OVER_APPLIED_CALCULATION_TYPE = "percentage";
+ public static final String OVER_APPLIED_CALCULATION_TYPE =
OverAppliedCalculationType.PERCENTAGE.value;
public static final Integer OVER_APPLIED_NUMBER = 50;
public static final Integer DELINQUENCY_BUCKET_ID =
DelinquencyBucket.BASIC_DELINQUENCY_BUCKET.value;
public static final Integer
PRE_CLOSURE_INTEREST_CALCULATION_RULE_TILL_PRE_CLOSE_DATE =
PreClosureInterestCalculationRule.TILL_PRE_CLOSE_DATE.value;
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/helper/ErrorMessageHelper.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/helper/ErrorMessageHelper.java
index 8d084a9221..38cec2b8e2 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/helper/ErrorMessageHelper.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/helper/ErrorMessageHelper.java
@@ -68,6 +68,11 @@ public final class ErrorMessageHelper {
return "Loan can't be disbursed,disburse amount is exceeding approved
principal ";
}
+ public static String addDisbursementExceedMaxAppliedAmountFailure(String
totalDisbAmount, String maxDisbursalAmount) {
+ return String.format("Loan disbursal amount can't be greater than
maximum applied loan amount calculation. "
+ + "Total disbursed amount: %s Maximum disbursal amount: %s",
totalDisbAmount, maxDisbursalAmount);
+ }
+
public static String disbursePastDateFailure(Integer loanId, String
actualDisbursementDate) {
return String.format("The date on which a loan is disbursed cannot be
before its approval date: %s", actualDisbursementDate);
}
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 fe181a8479..d9aae38733 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
@@ -47,6 +47,7 @@ import org.apache.fineract.test.data.ChargeProductType;
import org.apache.fineract.test.data.DaysInMonthType;
import org.apache.fineract.test.data.DaysInYearType;
import org.apache.fineract.test.data.InterestCalculationPeriodTime;
+import org.apache.fineract.test.data.OverAppliedCalculationType;
import org.apache.fineract.test.data.RecalculationRestFrequencyType;
import org.apache.fineract.test.data.TransactionProcessingStrategyCode;
import org.apache.fineract.test.data.loanproduct.DefaultLoanProduct;
@@ -2698,6 +2699,42 @@ public class LoanProductGlobalInitializerStep implements
FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_CONTRACT_TERMINATION,
responseLoanProductsRequestAdvCustomContractTerminationProgressiveLoanScheduleIntRecalc);
+
+ // LP2 with progressive loan schedule + horizontal + interest EMI +
360/30
+ // + interest recalculation, preClosureInterestCalculationStrategy=
till preclose,
+ // Frequency for recalculate Outstanding Principal: Daily, Frequency
Interval for recalculation: 1
+ // multidisbursal that doesn't expect tranches with allowed
approved/disbursed amount over applied amount
+ // capitalized income enabled
+ final String name108 =
DefaultLoanProduct.LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME
+ .getName();
+ final PostLoanProductsRequest
loanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcMultidisbursalApprovedOverAppliedCapitalizedIncome
= loanProductsRequestFactory
+ .defaultLoanProductsRequestLP2EmiCapitalizedIncome()//
+ .name(name108)//
+ .daysInYearType(DaysInYearType.DAYS360.value)//
+ .daysInMonthType(DaysInMonthType.DAYS30.value)//
+ .isInterestRecalculationEnabled(true)//
+ .preClosureInterestCalculationStrategy(1)//
+ .rescheduleStrategyMethod(4)//
+ .interestRecalculationCompoundingMethod(0)//
+ .recalculationRestFrequencyType(2)//
+ .recalculationRestFrequencyInterval(1)//
+
.allowApprovedDisbursedAmountsOverApplied(true).overAppliedCalculationType(OverAppliedCalculationType.PERCENTAGE.value)
+ .overAppliedNumber(50).paymentAllocation(List.of(//
+ createPaymentAllocation("DEFAULT",
"NEXT_INSTALLMENT"), //
+ createPaymentAllocation("GOODWILL_CREDIT",
"LAST_INSTALLMENT"), //
+ createPaymentAllocation("MERCHANT_ISSUED_REFUND",
"REAMORTIZATION"), //
+ createPaymentAllocation("PAYOUT_REFUND",
"NEXT_INSTALLMENT")))//
+ .multiDisburseLoan(true)//
+ .disallowExpectedDisbursements(true)//
+ .maxTrancheCount(10)//
+ .outstandingLoanBalance(10000.0);//
+ final Response<PostLoanProductsResponse>
responseLoanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcMultidisbursalApprovedOverAppliedCapitalizedIncome
= loanProductsApi
+ .createLoanProduct(
+
loanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcMultidisbursalApprovedOverAppliedCapitalizedIncome)
+ .execute();
+ TestContext.INSTANCE.set(
+
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME,
+
responseLoanProductsRequestLP2ProgressiveAdvPymnt36030InterestRecalcMultidisbursalApprovedOverAppliedCapitalizedIncome);
}
public static AdvancedPaymentData createPaymentAllocation(String
transactionType, String futureInstallmentAllocationRule,
diff --git
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
index f16209e60f..92d078f1e9 100644
---
a/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+++
b/fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
@@ -1677,6 +1677,24 @@ public class LoanStepDef extends AbstractStepDef {
.isEqualTo(ErrorMessageHelper.addDisbursementExceedApprovedAmountFailure());
}
+ @Then("Admin fails to disburse the loan on {string} with {string} EUR trn
amount with total disb amount {string} and max disb amount {string} due to
exceed max applied amount")
+ public void disbursementForbiddenExceedMaxAppliedAmount(String
actualDisbursementDate, String transactionAmount,
+ String totalDisbursalAmount, String maxDisbursalAmount) throws
IOException {
+ Response<PostLoansResponse> loanResponse =
testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
+ long loanId = loanResponse.body().getLoanId();
+ PostLoansLoanIdRequest disburseRequest =
LoanRequestFactory.defaultLoanDisburseRequest()
+
.actualDisbursementDate(actualDisbursementDate).transactionAmount(new
BigDecimal(transactionAmount));
+
+ Response<PostLoansLoanIdResponse> loanDisburseResponse =
loansApi.stateTransitions(loanId, disburseRequest, "disburse").execute();
+ testContext().set(TestContextKey.LOAN_DISBURSE_RESPONSE,
loanDisburseResponse);
+ ErrorResponse errorDetails = ErrorResponse.from(loanDisburseResponse);
+ assertThat(errorDetails.getHttpStatusCode())
+
.as(ErrorMessageHelper.addDisbursementExceedMaxAppliedAmountFailure(totalDisbursalAmount,
maxDisbursalAmount))
+ .isEqualTo(403);
+ assertThat(errorDetails.getSingleError().getDeveloperMessage())
+
.isEqualTo(ErrorMessageHelper.addDisbursementExceedMaxAppliedAmountFailure(totalDisbursalAmount,
maxDisbursalAmount));
+ }
+
@And("Admin does charge-off the loan on {string}")
public void chargeOffLoan(String transactionDate) throws IOException {
Response<PostLoansResponse> loanResponse =
testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
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 5801961d3f..830a7b01f2 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
@@ -148,6 +148,7 @@ public abstract class TestContextKey {
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CASH_ACCOUNTING_DISBURSEMENT_CHARGES
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCashBasedDisbursementCharge";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_PROGRESSIVE_ADV_PYMNT_CAPITALIZED_INCOME
= "loanProductCreateResponseLP2ProgressiveAdvancedPaymentCapitalizedIncome";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyCapitalizedIncomeAdjCustomAlloc";
+ public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME
=
"loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmi36030InterestRecalculationDailyMultidisbursalApprovedOVerAppliedAmountCapitalizedIncome";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME
=
"loanProductCreateResponseLP2ProgressiveAdvPayment36030InterestRecalcCapitalizedIncome";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME_FEE
=
"loanProductCreateResponseLP2ProgressiveAdvPayment36030InterestRecalcCapitalizedIncomeFee";
public static final String
DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSAL_CAPITALIZED_INCOME
=
"loanProductCreateResponseLP2ProgressiveAdvPayment36030InterestRecalcMultidisbursalCapitalizedIncome";
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
b/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
index 655edec7e5..a491d34f2b 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature
@@ -357,6 +357,139 @@ Feature: Capitalized Income
Then Admin fails to disburse the loan on "04 January 2024" with "200" EUR
transaction amount due to exceed approved amount
Then Capitalized income with payment type "AUTOPAY" on "04 January 2024"
is forbidden with amount "200" while exceed approved amount
+ @TestRailId:C3723
+ Scenario: Verify capitalized income amount with disbursement amount
calculation within approved over applied amount for multidisbursal loan - UC10
+ When Admin sets the business date to "1 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 |
charge calculation type | charge amount % |
+ |
LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME
| 01 January 2024 | 1000 | 7 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2
|
+ And Admin successfully approves the loan on "1 January 2024" with "1500"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "1000"
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin sets the business date to "2 January 2024"
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan
on "2 January 2024" with "200" EUR transaction amount
+ And Admin successfully disburse the loan on "2 January 2024" with "200"
EUR transaction amount
+ 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 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 02 January 2024 | | 200.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 02 January 2024 | | 200.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | | 1169.98 | 230.02
| 8.09 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11
|
+ | 2 | 29 | 01 March 2024 | | 938.69 | 231.29
| 6.82 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11
|
+ | 3 | 31 | 01 April 2024 | | 706.06 | 232.63
| 5.48 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11
|
+ | 4 | 30 | 01 May 2024 | | 472.07 | 233.99
| 4.12 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11
|
+ | 5 | 31 | 01 June 2024 | | 236.71 | 235.36
| 2.75 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 236.71
| 1.38 | 0.0 | 0.0 | 238.09 | 0.0 | 0.0 | 0.0 | 238.09
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1400.0 | 28.64 | 0.0 | 0.0 | 1428.64 | 0.0 | 0.0
| 0.0 | 1428.64 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1000.0 | false |
+ | 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0
| 0.0 | 0.0 | 1200.0 | false |
+ | 02 January 2024 | Disbursement | 200.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1400.0 | false |
+ And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date
"02 January 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | ASSET | 112601 | Loans Receivable | 200.0 |
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | |
200.0 |
+ Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR
trn amount with total disb amount "1400" and max disb amount "1500" due to
exceed max applied amount
+ Then Capitalized income with payment type "AUTOPAY" on "02 January 2024"
is forbidden with amount "200" while exceed approved amount
+ When Admin successfully undo disbursal
+ Then Loan status will be "APPROVED"
+ When Admin sets the business date to "3 January 2024"
+ And Admin successfully disburse the loan on "3 January 2024" with "1000"
EUR transaction amount
+ And Admin sets the business date to "4 January 2024"
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan
on "4 January 2024" with "500" EUR transaction amount
+ 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 |
+ | | | 03 January 2024 | | 1000.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 04 January 2024 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 03 February 2024 | | 1253.55 | 246.45
| 8.66 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11
|
+ | 2 | 29 | 03 March 2024 | | 1005.75 | 247.8
| 7.31 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11
|
+ | 3 | 31 | 03 April 2024 | | 756.51 | 249.24
| 5.87 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11
|
+ | 4 | 30 | 03 May 2024 | | 505.81 | 250.7
| 4.41 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11
|
+ | 5 | 31 | 03 June 2024 | | 253.65 | 252.16
| 2.95 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11
|
+ | 6 | 30 | 03 July 2024 | | 0.0 | 253.65
| 1.48 | 0.0 | 0.0 | 255.13 | 0.0 | 0.0 | 0.0 | 255.13
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1500.0 | 30.68 | 0.0 | 0.0 | 1530.68 | 0.0 | 0.0
| 0.0 | 1530.68 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted |
+ | 03 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1000.0 | false |
+ | 04 January 2024 | Capitalized Income | 500.0 | 500.0 | 0.0
| 0.0 | 0.0 | 1500.0 | false |
+ Then Admin fails to disburse the loan on "04 January 2024" with "100" EUR
trn amount with total disb amount "1100" and max disb amount "1500" due to
exceed max applied amount
+ Then Capitalized income with payment type "AUTOPAY" on "04 January 2024"
is forbidden with amount "100" while exceed approved amount
+
+ @TestRailId:C3730
+ Scenario: Verify capitalized income with disbursement amount calculation
within approved amount for multidisbursal loan with undo capitalized income -
UC11
+ When Admin sets the business date to "1 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 |
charge calculation type | charge amount % |
+ |
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSAL_CAPITALIZED_INCOME
| 01 January 2024 | 1000 | 7 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2
|
+ And Admin successfully approves the loan on "1 January 2024" with "1000"
amount and expected disbursement date on "1 January 2024"
+ And Admin successfully disburse the loan on "1 January 2024" with "500"
EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin sets the business date to "2 January 2024"
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan
on "2 January 2024" with "150" EUR transaction amount
+ When Admin sets the business date to "3 January 2024"
+ And Admin successfully disburse the loan on "3 January 2024" with "250"
EUR transaction amount
+ 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 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 02 January 2024 | | 150.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 03 January 2024 | | 250.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | | 752.07 | 147.93
| 5.13 | 0.0 | 0.0 | 153.06 | 0.0 | 0.0 | 0.0 | 153.06
|
+ | 2 | 29 | 01 March 2024 | | 603.4 | 148.67
| 4.39 | 0.0 | 0.0 | 153.06 | 0.0 | 0.0 | 0.0 | 153.06
|
+ | 3 | 31 | 01 April 2024 | | 453.86 | 149.54
| 3.52 | 0.0 | 0.0 | 153.06 | 0.0 | 0.0 | 0.0 | 153.06
|
+ | 4 | 30 | 01 May 2024 | | 303.45 | 150.41
| 2.65 | 0.0 | 0.0 | 153.06 | 0.0 | 0.0 | 0.0 | 153.06
|
+ | 5 | 31 | 01 June 2024 | | 152.16 | 151.29
| 1.77 | 0.0 | 0.0 | 153.06 | 0.0 | 0.0 | 0.0 | 153.06
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 152.16
| 0.89 | 0.0 | 0.0 | 153.05 | 0.0 | 0.0 | 0.0 | 153.05
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 900.0 | 18.35 | 0.0 | 0.0 | 918.35 | 0.0 | 0.0
| 0.0 | 918.35 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0
| 0.0 | 0.0 | 500.0 | false |
+ | 02 January 2024 | Capitalized Income | 150.0 | 150.0 | 0.0
| 0.0 | 0.0 | 650.0 | false |
+ | 03 January 2024 | Disbursement | 250.0 | 0.0 | 0.0
| 0.0 | 0.0 | 900.0 | false |
+ And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date
"02 January 2024" which has the following Journal entries:
+ | Type | Account code | Account name | Debit |
Credit |
+ | ASSET | 112601 | Loans Receivable | 150.0 |
|
+ | LIABILITY | 145024 | Deferred Capitalized Income | |
150.0 |
+ Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR
transaction amount due to exceed approved amount
+ Then Capitalized income with payment type "AUTOPAY" on "02 January 2024"
is forbidden with amount "200" while exceed approved amount
+ And Admin sets the business date to "4 January 2024"
+# -- undo last disbursal -- #
+ When Admin successfully undo last disbursal
+# -- undo capitalized income -- #
+ When Customer undo "1"th "Capitalized Income" transaction made on "02
January 2024"
+ And Admin successfully disburse the loan on "4 January 2024" with "200"
EUR transaction amount
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan
on "4 January 2024" with "200" EUR transaction amount
+ 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 | | 500.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 04 January 2024 | | 200.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | | | 04 January 2024 | | 200.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2024 | | 751.98 | 148.02
| 5.02 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ | 2 | 29 | 01 March 2024 | | 603.33 | 148.65
| 4.39 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ | 3 | 31 | 01 April 2024 | | 453.81 | 149.52
| 3.52 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ | 4 | 30 | 01 May 2024 | | 303.42 | 150.39
| 2.65 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ | 5 | 31 | 01 June 2024 | | 152.15 | 151.27
| 1.77 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ | 6 | 30 | 01 July 2024 | | 0.0 | 152.15
| 0.89 | 0.0 | 0.0 | 153.04 | 0.0 | 0.0 | 0.0 | 153.04
|
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 900.0 | 18.24 | 0.0 | 0.0 | 918.24 | 0.0 | 0.0
| 0.0 | 918.24 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted | Reverted |
+ | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0
| 0.0 | 0.0 | 500.0 | false | false |
+ | 02 January 2024 | Capitalized Income | 150.0 | 150.0 | 0.0
| 0.0 | 0.0 | 650.0 | true | true |
+ | 04 January 2024 | Disbursement | 200.0 | 0.0 | 0.0
| 0.0 | 0.0 | 700.0 | false | false |
+ | 04 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0
| 0.0 | 0.0 | 900.0 | false | false |
+ Then Admin fails to disburse the loan on "04 January 2024" with "300" EUR
transaction amount due to exceed approved amount
+ Then Capitalized income with payment type "AUTOPAY" on "04 January 2024"
is forbidden with amount "300" while exceed approved amount
+
@TestRailId:C3646
Scenario: As a user I want to add capitalized income to a progressive loan
after disbursement and then make a full repayment - amortization in case of
loan close event
When Admin sets the business date to "1 January 2024"
