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https://issues.apache.org/jira/browse/FINERACT-1330?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel
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Rahul Pawar resolved FINERACT-1330.
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Resolution: Fixed
> Pay Charge & withdrawals is violating Overdraft conditions on current and
> past Transactions
> -------------------------------------------------------------------------------------------
>
> Key: FINERACT-1330
> URL: https://issues.apache.org/jira/browse/FINERACT-1330
> Project: Apache Fineract
> Issue Type: Bug
> Components: Charges, Savings
> Affects Versions: 1.3.0, 1.4.0, 1.5.0, 1.6.0, 1.7.0, 1.8.0, 1.9.0
> Reporter: Francis Guchie
> Assignee: Rahul Pawar
> Priority: Major
> Fix For: 1.9.0
>
> Attachments: image-2021-03-10-23-45-06-414.png,
> image-2021-03-10-23-45-21-854.png, image-2021-03-10-23-45-37-975.png,
> image-2021-03-10-23-45-57-298.png, image-2021-03-10-23-46-46-146.png
>
>
> h1. To better understand this issue start from FINERACT-1147
> Fineract uses future balance to effect transactions thus violating other
> rules like OVER-DRAFT disabled
> * Create a client on 01 Jan 2021
> * Apply a savings account on 01 jan 2021 – *OVER DRAFT NOT ALLOWED*
> * Add transactions 4Jan2021 of 50k, 5Jan2021 of 150k and 13 Jan2021 of 500k,
> 1 Feb2021 of 500k to make a total of 1.2million on the account
> * Now make a withdrawal on 29 Jan2021 of 900,000
> !image-2021-03-10-23-45-06-414.png!
> ## Fineract should reject this transaction since overdraft not allowed and
> because 900K > 700k available balance below is the message- this message is
> in place !image-2021-03-10-23-45-21-854.png!
> * Now let’s add a savings charge of 900,000 due for 29Jan 2021 and pay it up
> on 29 Jan 2021 !image-2021-03-10-23-45-37-975.png!
> * Lets pay the charge on 29Jan 2021 !image-2021-03-10-23-45-57-298.png!
> * On submission the charge gets paid getting the Account into Negative on
> 29Jan 2021 yet this account's Over-draft is disabled
> !image-2021-03-10-23-46-46-146.png!
> *Two issues here*
> * Overdraft is disabled but the rule has been violated
> * Fineract is using real-time balance (in my view) to effect back-dated
> transactions
> The rule of thumb should be the “balance at transaction date” to be
> considered during transactions and not available balance
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