Saifulhuq01 opened a new pull request, #5465:
URL: https://github.com/apache/fineract/pull/5465
## Description
This PR implements **Phase 1** of the "Force Debit" functionality for
Savings Accounts, allowing financial institutions to enforce withdrawals even
if the account has insufficient funds, up to a globally configurable limit.
This implementation aligns with the community consensus (mailing list
discussion Feb 5-6) to use a dedicated command force-withdrawal rather than
overloading the standard withdrawal API.
## Changes Implemented
1. **New API Command:** Introduced ?command=force-withdrawal for Savings
Accounts.
2. **Global Configuration:** Added two new configurations:
* allow-force-withdrawal-on-savings-account (Boolean)
* force-withdrawal-on-savings-account-limit (Long/Monetary limit)
3. **Permissioning:** Added granular permission
FORCE_WITHDRAWAL_SAVINGSACCOUNT.
* *Note:* Defaulted to Super User (Role 1) via Liquibase migration.
4. **Database Migration:** Added Liquibase changelog
0220_force_withdrawal_configs.xml (using safe sequencing to avoid ID
collisions).
5. **Integration Testing:** Added SavingsAccountForceWithdrawalTest.java
with robust teardown logic to prevent test pollution in the CI environment.
## Validation
- [x] **CI/CD:** All Integration Tests (MariaDB, PostgreSQL, MySQL) are
passing.
- [x] **Functional:** Verified that standard withdrawals fail on low
balance, while force withdrawals succeed (within the configured limit).
- [x] **Clean Up:** Verified that global configs are reset after tests to
maintain environment stability.
## Next Steps (Phase 2)
As discussed, @Ayush will pick up Phase 2 to handle:
- Reason Codes
- Notification triggers
- UI integration
## JIRA
https://issues.apache.org/jira/browse/FINERACT-2471
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