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https://issues.apache.org/jira/browse/FINERACT-2471?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel&focusedCommentId=18057533#comment-18057533
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saifulhuq commented on FINERACT-2471:
-------------------------------------
Hi [~anmotayo] ,
Thank you for the review and the positive feedback.
I have updated the PR to include the `FORCE_WITHDRAWAL_SAVINGSACCOUNT_CHECKER`
permission. The Liquibase changelog now correctly registers both the Maker and
Checker permissions and ensures they are granted to the superuser role by
default.
The PR is now fully aligned with the requirements and ready for final review.
> Implement 'Force Debit' functionality for Savings Accounts with Configurable
> Limits
> -----------------------------------------------------------------------------------
>
> Key: FINERACT-2471
> URL: https://issues.apache.org/jira/browse/FINERACT-2471
> Project: Apache Fineract
> Issue Type: New Feature
> Reporter: saifulhuq
> Priority: Major
>
> *Background:* Currently, Fineract rejects savings account withdrawals if the
> balance is insufficient. Regulatory requirements (e.g., tax levies,
> maintenance fees) often require a "Force Post" capability where the bank must
> debit the account regardless of the balance, up to a certain risk limit.
> *Functional Specification:*
> # *Global Configurations:*
> *
> ** {{allow-force-debit-on-savings-account}} (Boolean): Global switch to
> enable the feature.
> *
> ** {{force-debit-on-savings-account-limit}} (Decimal): The maximum negative
> balance allowed (e.g., -5000).
> # *Permissions:*
> *
> ** Introduce {{WITHDRAW_SAVINGSACCOUNT_FORCE_DEBIT}} and
> {{{}WITHDRAW_SAVINGSACCOUNT_FORCE_DEBIT_CHECKER{}}}.
> *
> ** Only users with this specific permission can trigger the force debit API.
> # *API Implementation:*
> *
> ** New Command: {{force-withdrawal}}
> *
> ** Endpoint: {{POST
> /savingsaccounts/\{accountId}/transactions?command=force-withdrawal}}
> # *Validation Logic (Command Layer):*
> *
> ** If {{allow-force-debit}} is FALSE -> Fail if insufficient funds (Standard
> behavior).
> *
> ** If {{allow-force-debit}} is TRUE:
> *
> **
> *** Check: {{{}Current Balance - Transaction Amount >= force-debit-limit{}}}.
> *
> **
> *** If limit is breached -> Throw
> {{{}InsufficientAccountBalanceException{}}}.
> *
> **
> *** If within limit -> Process transaction and allow negative balance.
> *Technical Implementation Plan:*
> * Modify {{GlobalConfigurationPropertyData}} to include new keys.
> * Update {{SavingsAccountWritePlatformServiceJpaRepositoryImpl}} to handle
> the new command.
> * Implement validation logic ensuring GL consistency.
> * Add Unit Tests covering:
> *
> ** Limit breached (Fail).
> *
> ** Limit respected (Pass).
> *
> ** Permission denied (Fail).
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