peter-kovacs-dpc commented on code in PR #6432:
URL: https://github.com/apache/fineract/pull/6432#discussion_r3995749434
##########
fineract-e2e-tests-runner/src/test/resources/features/WorkingCapitalAmortizationScheduleMatrixPt1.feature:
##########
@@ -0,0 +1,385 @@
+@WorkingCapital
+@WorkingCapitalAmortizationScheduleMatrixPt1Feature
+Feature: WorkingCapitalAmortizationScheduleMatrixPt1
+
+ #
=============================================================================
+ # Scope 1: Amortization schedule & EIR math (S1-S4)
+ # Matrix variations: accounting NONE/ACC_DEF_REV_AM, NPV 360/365,
+ # period payment frequency DAYS(1/7/30)/DAYS(7)/MONTHS,
+ # discount modes, business date enabled/disabled +
timezone.
+ #
=============================================================================
+
+ @TestRailId:C102481
+ Scenario: Verify amortization schedule & EIR math - UC1: baseline daily, NPV
360, NONE accounting, business date enabled, UTC
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a working capital loan with the following data:
+ | LoanProduct | submittedOnDate | expectedDisbursementDate |
principalAmount | totalPaymentVolume | periodPaymentRate | discount |
+ | WCLP | 01 January 2026 | 01 January 2026 | 9000
| 100000 | 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedAmortizationAmount | actualPaymentAmount | actualAmortizationAmount |
expectedDiscountFeeBalance | actualBalance | actualDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| | |
1000.00 | 9000.00 | 1000.00 |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
9.61 | | |
990.39 | | |
+ | 2 | 2026-01-03 | 50.00 | 8919.18 |
9.57 | | |
980.82 | | |
+
+ @TestRailId:C102482
+ Scenario: Verify amortization schedule & EIR math - UC2: daily, NPV 365
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 365 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 365 | 49.32 | 203 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-01-02 | 49.32 | 8960.16 |
990.52 |
+
+ # repaymentFrequencyType/repaymentEvery is not consumed by the amortization
schedule calculation (it walks daily
+ # regardless), so this scenario is redundant with UC1/UC6 for schedule math
- skipped pending re-scope.
+ @Skip @TestRailId:C102483
+ Scenario: Verify amortization schedule & EIR math - UC3: DAYS(7) frequency,
NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 7
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-01-08 | 50.00 | 8959.61 |
990.39 |
+
+ # repaymentFrequencyType/repaymentEvery is not consumed by the amortization
schedule calculation (it walks daily
+ # regardless), so this scenario is redundant with UC1/UC6 for schedule math
- skipped pending re-scope.
+ @Skip @TestRailId:C102484
+ Scenario: Verify amortization schedule & EIR math - UC4: MONTHS frequency
with month-end anchor, NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | MONTHS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-02-01 | 50.00 | 8959.61 |
990.39 |
+
+ # repaymentFrequencyType/repaymentEvery is not consumed by the amortization
schedule calculation (it walks daily
+ # regardless), so this scenario is redundant with UC1/UC6 for schedule math
- skipped pending re-scope.
+ @Skip @TestRailId:C102485
+ Scenario: Verify amortization schedule & EIR math - UC5: DAYS(7) frequency,
NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 7
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-01-08 | 50.00 | 8959.61 |
990.39 |
+
+ @TestRailId:C102486
+ Scenario: Verify amortization schedule & EIR math - UC6: DAYS(1) frequency,
NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
990.39 |
+
+ @TestRailId:C102487
+ Scenario: Verify amortization schedule & EIR math - UC7: ACC_DEF_REV_AM
accounting, daily NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | ACC_DEF_REV_AM | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ When Admin sets the business date to "02 January 2026"
+ And Customer makes repayment on "02 January 2026" with 50 transaction
amount on Working Capital loan
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | 50.00 | 200 |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedAmortizationAmount | expectedDiscountFeeBalance | actualPaymentAmount |
actualBalance | actualAmortizationAmount | actualDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| 1000.00 | |
9000.00 | | 1000.00 |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
9.61 | 990.39 | 50.00 |
8959.61 | 9.61 | 990.39 |
+ And The retrieved amortization schedule actual amortization is consistent
with the loan realized and unrealized income after close of business
+
+ @TestRailId:C102488
+ Scenario: Verify amortization schedule & EIR math - UC8: no discount, daily
NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 10000 | 100000
| 18 | 0 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "10000" amount and "0" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "10000" EUR transaction amount and "0" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 0.00 | 10000.00 | 100000.00 | 18
| 360 | | |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedAmortizationAmount | expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -10000.00 | 10000.00 |
| 0.00 |
+ | 1 | 2026-01-02 | 50.00 | 9950.00 |
0.00 | 0.00 |
+
+ @TestRailId:C102489
+ Scenario: Verify amortization schedule & EIR math - UC9: discount at
approval, daily NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | | |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+
+ @TestRailId:C102490
+ Scenario: Verify amortization schedule & EIR math - UC10: discount added
after disbursement, daily NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 0 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "0" discount amount and expected disbursement date
on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "0" discount amount
+ And Admin adds Discount fee with "1000" amount on Working Capital loan
account for last disbursement
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 1000.00 | 9000.00 | 100000.00 | 18
| 360 | | |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+
+ @TestRailId:C102491
+ Scenario: Verify amortization schedule & EIR math - UC11: discount fee
adjustment, daily NPV 360
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 0 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "0" discount amount and expected disbursement date
on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "0" discount amount
+ And Admin adds Discount fee with "1000" amount on Working Capital loan
account for last disbursement
+ When Admin sets the business date to "02 January 2026"
+ And Admin adds Discount fee adjustment with "500" amount on transaction
date "02 January 2026" on Working Capital loan account for last discount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has the following summary fields:
+ | discountFeeAmount | netDisbursementAmount | totalPaymentVolume |
periodPaymentRate | npvDayCount | expectedPaymentAmount | originalPaymentNumber
|
+ | 500.00 | 9000.00 | 100000.00 | 18
| 360 | | |
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
500.00 |
+
+ #
=============================================================================
+ # Scope 2: Non-multiple payments
+ #
=============================================================================
+
+ @TestRailId:C102492
+ Scenario: Verify non-multiple payments - UC1: daily loan, payment not equal
to scheduled daily amount
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a working capital loan with the following data:
+ | LoanProduct | submittedOnDate | expectedDisbursementDate |
principalAmount | totalPaymentVolume | periodPaymentRate | discount |
+ | WCLP | 01 January 2026 | 01 January 2026 | 9000
| 100000 | 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ When Admin sets the business date to "02 January 2026"
+ And Customer makes repayment on "02 January 2026" with 1234 transaction
amount on Working Capital loan
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
actualPaymentAmount | actualBalance | actualDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| 9000.00 | 1000.00 |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
1234.00 | 7990.47 | 775.53 |
+
+ # repaymentFrequencyType/repaymentEvery is not consumed by the amortization
schedule calculation (it walks daily
+ # regardless), so this scenario is redundant with UC1 for schedule math -
skipped pending re-scope.
+ @Skip @TestRailId:C102493
+ Scenario: Verify non-multiple payments - UC2: DAYS(7) loan, payment not
equal to scheduled weekly amount
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 7
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ When Admin sets the business date to "08 January 2026"
+ And Customer makes repayment on "08 January 2026" with 1234 transaction
amount on Working Capital loan
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
actualPaymentAmount | actualBalance | actualDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| 9000.00 | 1000.00 |
+ | 1 | 2026-01-08 | 50.00 | 8959.61 |
0.00 | 9000.00 | 1000.00 |
+
+ #
=============================================================================
+ # Scope 3: Overpayment to a few cents
+ #
=============================================================================
+
+ @TestRailId:C102494
+ Scenario: Verify overpayment to a few cents - UC1: daily loan, pay a few
cents more than total due
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a working capital loan with the following data:
+ | LoanProduct | submittedOnDate | expectedDisbursementDate |
principalAmount | totalPaymentVolume | periodPaymentRate | discount |
+ | WCLP | 01 January 2026 | 01 January 2026 | 9000
| 100000 | 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ When Admin sets the business date to "02 January 2026"
+ And Customer makes repayment on "02 January 2026" with 10000.05
transaction amount on Working Capital loan
+ Then Working Capital loan status will be "OVERPAID"
+ And Working Capital loan balance payload contains the following fields:
+ | field | value |
+ | principalOutstanding | 0.0 |
+ | overpaymentAmount | 0.05 |
+ When Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule actual amortization total is
"1000.00"
+ And The retrieved amortization schedule actual payments plus future
expected payments total "10000.00"
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ #
=============================================================================
+ # Scope 4: Last-period tail
+ #
=============================================================================
+
+ @TestRailId:C102495
+ Scenario: Verify last-period tail - UC1: daily loan, final payment is the
smaller remainder
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a working capital loan with the following data:
+ | LoanProduct | submittedOnDate | expectedDisbursementDate |
principalAmount | totalPaymentVolume | periodPaymentRate | discount |
+ | WCLP | 01 January 2026 | 01 January 2026 | 9000
| 100000 | 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The last projected payment amount is the smaller tail remainder
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+
+ # repaymentFrequencyType/repaymentEvery is not consumed by the amortization
schedule calculation (it walks daily
+ # regardless), so this scenario is redundant with UC1 for schedule math -
skipped pending re-scope.
+ @Skip @TestRailId:C102496
+ Scenario: Verify last-period tail - UC2: DAYS(7) loan, final payment is the
smaller remainder
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 7
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 9000 | 100000
| 18 | 1000 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "9000" amount and "1000" discount amount and expected disbursement
date on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "9000" EUR transaction amount and "1000" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The last projected payment amount is the smaller tail remainder
+ And The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
expectedDiscountFeeBalance |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
1000.00 |
+ | 1 | 2026-01-08 | 50.00 | 8959.61 |
990.39 |
+
+ #
=============================================================================
+ # Scope 5: 1-day term
+ #
=============================================================================
+
+ @TestRailId:C102497
+ Scenario: Verify 1-day term - UC1: daily loan disbursed and fully repaid on
the same day
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ And Admin creates a new Working Capital Loan Product with the following
matrix data:
+ | accountingRule | npvDayCount | repaymentFrequencyType | repaymentEvery
|
+ | NONE | 360 | DAYS | 1
|
+ And Admin creates a working capital loan using created product with the
following data:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount |
+ | 01 January 2026 | 01 January 2026 | 100 | 100
| 1 | 0 |
Review Comment:
rewrote with given data
Also added 2 more cases to check payment
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