peter-kovacs-dpc commented on code in PR #6432:
URL: https://github.com/apache/fineract/pull/6432#discussion_r3996375815
##########
fineract-e2e-tests-runner/src/test/resources/features/WorkingCapitalAmortizationScheduleMatrixPt2.feature:
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@@ -0,0 +1,431 @@
+@WorkingCapital
+@WorkingCapitalAmortizationScheduleMatrixPt2Feature
+Feature: WorkingCapitalAmortizationScheduleMatrixPt2
+
+ #
=============================================================================
+ # Scope 6: Tiny rate (many rows)
+ #
=============================================================================
+
+ @TestRailId:C102498
+ Scenario: Verify tiny rate schedule - UC1: low periodPaymentRate produces
many rows and sampled values still sum correctly
+ 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 | 90 | 10000
| 0.36 | 10 |
+ When Admin successfully approves the working capital loan on "01 January
2026" with "90" amount and "10" discount amount and expected disbursement date
on "01 January 2026"
+ And Admin successfully disburse the Working Capital loan on "01 January
2026" with "90" EUR transaction amount and "10" discount amount
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has at least 1000 payment rows
+ 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 | -90.00 | 90.00 |
10.00 |
+ And The retrieved amortization schedule expected amortization sums to the
discount fee and both expected balances close to zero
+
+ #
=============================================================================
+ # Scope 7: 0.005 rounding boundaries
+ #
=============================================================================
+
+ @TestRailId:C102499
+ Scenario: Verify 0.005 rounding boundary - UC1: 3-decimal currency leaves
exactly 0.005 residual on 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
| digitsAfterDecimal |
+ | NONE | 365 | DAYS | 1
| 3 |
+ 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
| 17 | 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 "03 January 2026"
+ And Customer makes repayment on "03 January 2026" with 46 transaction
amount on Working Capital loan
+ When Admin sets the business date to "04 January 2026"
+ And Customer makes repayment on "04 January 2026" with 46 transaction
amount on Working Capital loan
+ And Customer makes repayment on "02 January 2026" with 9907.995
transaction amount on Working Capital loan
+ Then Working Capital loan balance payload contains the following fields:
+ | field | value |
+ | principalOutstanding | 0.005 |
+ When Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | expectedPaymentAmount | expectedBalance | actualBalance |
actualDiscountFeeBalance |
+ | 4 | 0.005 | 0.000 | |
|
+ And The retrieved amortization schedule actual amortization total is "1000"
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102500
+ Scenario: Verify 0.005 rounding boundary - UC2: 3-decimal currency residual
0.006 is rounded to 0.01 and closed
+ 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
| digitsAfterDecimal |
+ | NONE | 365 | DAYS | 1
| 3 |
+ 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
| 17 | 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 "03 January 2026"
+ And Customer makes repayment on "03 January 2026" with 46 transaction
amount on Working Capital loan
+ When Admin sets the business date to "04 January 2026"
+ And Customer makes repayment on "04 January 2026" with 46 transaction
amount on Working Capital loan
+ And Customer makes repayment on "02 January 2026" with 9907.994
transaction amount on Working Capital loan
+ Then Working Capital loan balance payload contains the following fields:
+ | field | value |
+ | principalOutstanding | 0.006 |
+ When Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule has payments with the following
details for the listed payment numbers:
+ | paymentNo | expectedPaymentAmount | expectedBalance | actualBalance |
actualDiscountFeeBalance |
+ | 4 | 0.006 | 0.000 | |
|
+ And The retrieved amortization schedule actual amortization total is "1000"
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ #
=============================================================================
+ # Scope 8: Expected vs actual columns (PS-3240)
+ #
=============================================================================
+
+ @TestRailId:C102501
+ Scenario: Verify expected vs actual columns - UC1: exact on-time payments
keep columns aligned
+ 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 50 transaction
amount on Working Capital loan
+ When Admin sets the business date to "03 January 2026"
+ And Customer makes repayment on "03 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 payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
actualPaymentAmount | actualBalance | actualAmortizationAmount |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| 9000.00 | |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
50.00 | 8959.61 | 9.61 |
+ | 2 | 2026-01-03 | 50.00 | 8919.18 |
50.00 | 8919.18 | 9.57 |
+ And Every fully paid amortization schedule period has actual amortization
equal to expected amortization
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102502
+ Scenario: Verify expected vs actual columns - UC2: partial payment leaves
expected unchanged and actual reduced
+ 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 25 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 payments with the following
details for the listed payment numbers:
+ | paymentNo | date | expectedPaymentAmount | expectedBalance |
actualPaymentAmount | actualBalance | actualAmortizationAmount |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
| 9000.00 | |
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
25.00 | 8979.81 | 4.81 |
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102503
+ Scenario: Verify expected vs actual columns - UC3: missed payment day leaves
actual columns blank
+ 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 "03 January 2026"
+ And Customer makes repayment on "03 January 2026" with 50 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 |
+ | 0 | 2026-01-01 | -9000.00 | 9000.00 |
|
+ | 1 | 2026-01-02 | 50.00 | 8959.61 |
0.00 |
+ | 2 | 2026-01-03 | 50.00 | 8959.61 |
50.00 |
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ #
=============================================================================
+ # Scope 9: Annual EIR (PS-3218)
+ #
=============================================================================
+
+ @TestRailId:C102504
+ Scenario: Verify annual EIR - UC1: 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 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
+ Then Working capital loan details has annual EIR "0.476307952775034048"
+
+ # 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:C102505
+ Scenario: Verify annual EIR - UC2: DAYS(7) 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
+ Then Working capital loan details has annual EIR "0.476307952775034048"
+
+ #
=============================================================================
+ # Scope 10: Rate changes
+ #
=============================================================================
+
+ @TestRailId:C102506
+ Scenario: Verify rate change - UC1: single rate decrease and schedule
reprojects
+ 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 Admin update Working Capital period payment rate with "9" value
+ And Admin retrieves the projected amortization schedule
+ Then Working Capital Loan period payment rate in effect is "9"
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102507
+ Scenario: Verify rate change - UC2: single rate increase effective from a
future date
+ 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 | 9 | 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 update Working Capital period payment rate with "18" value
effective from "15 January 2026"
+ And Admin retrieves the projected amortization schedule
+ Then Working Capital Loan period payment rate in effect on "01 January
2026" is "9"
+ And Working Capital Loan period payment rate in effect on "15 January
2026" is "18"
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102508
+ Scenario: Verify rate change - UC3: multiple sequential rate changes
+ 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 update Working Capital period payment rate with "9" value
effective from "05 January 2026"
+ And Admin update Working Capital period payment rate with "18" value
effective from "10 January 2026"
+ And Admin retrieves the projected amortization schedule
+ Then Working Capital Loan period payment rate in effect on "01 January
2026" is "18"
+ And Working Capital Loan period payment rate in effect on "05 January
2026" is "9"
+ And Working Capital Loan period payment rate in effect on "10 January
2026" is "18"
+
+ #
=============================================================================
+ # Scope 11: Persisted model consistency after every transaction (API-only)
+ #
=============================================================================
+
+ @TestRailId:C102509
+ Scenario: Verify persisted model consistency - UC1: after repayment
+ 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 runs inline COB job for Working Capital Loan by loanId
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule actual amortization is consistent
with the loan realized and unrealized income after close of business
+
+ @TestRailId:C102510
+ Scenario: Verify persisted model consistency - UC2: after charge and
repayment
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data and creates-approves-disburses
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 | 0 |
+ When Admin sets the business date to "10 January 2026"
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date
charge to working capital loan with "10 January 2026" due date and 35.0
transaction amount
+ And Customer makes repayment on "10 January 2026" with 85 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 actual amortization is consistent
with the loan realized and unrealized income after close of business
+ And The retrieved amortization schedule has no negative monetary amounts
+
+ @TestRailId:C102511
+ Scenario: Verify persisted model consistency - UC3: after rate change
+ 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 50 transaction
amount on Working Capital loan
+ And Admin update Working Capital period payment rate with "9" value
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin retrieves the projected amortization schedule
+ Then The retrieved amortization schedule actual amortization is consistent
with the loan realized and unrealized income after close of business
+
+ #
=============================================================================
+ # Matrix dimension: Delinquency
+ #
=============================================================================
+
+ @TestRailId:C102512
+ Scenario: Verify delinquency - UC1: loan creation start type with grace days
and flat minimum payment
+ 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 Product with custom breach config
and overrides enabled:
+ | breachFrequency | breachFrequencyType | breachAmountCalculationType |
breachAmount | delinquencyGraceDays | delinquencyStartType | breachGraceDays |
breachStartType |
+ | 3 | DAYS | FLAT |
100 | 5 | LOAN_CREATION | 0 |
LOAN_CREATION |
+ 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
+ Then Working capital loan account has delinquencyGraceDays 5 and
delinquencyStartType "LOAN_CREATION"
+
+ @TestRailId:C102513
+ Scenario: Verify delinquency - UC2: disbursement start type with breach
grace days
+ 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 Product with custom breach config
and overrides enabled:
+ | breachFrequency | breachFrequencyType | breachAmountCalculationType |
breachAmount | delinquencyGraceDays | delinquencyStartType | breachGraceDays |
breachStartType |
+ | 3 | DAYS | FLAT |
100 | 0 | DISBURSEMENT | 3 |
DISBURSEMENT |
+ 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
+ Then Working capital loan account has delinquencyGraceDays 0 and
delinquencyStartType "DISBURSEMENT"
+ And Working capital loan account has breachGraceDays 3
+
+ #
=============================================================================
+ # Matrix dimension: Breach / near-breach
+ #
=============================================================================
+
+ @TestRailId:C102514
+ Scenario: Verify breach - UC1: breach only with zero grace days
+ 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 Product with breach and near
breach config and overrides enabled:
+ | breachFrequency | breachFrequencyType | breachAmountCalculationType |
breachAmount | nearBreachFrequency | nearBreachFrequencyType |
nearBreachThreshold | delinquencyGraceDays | breachGraceDays | breachStartType |
+ | 2 | MONTHS | PERCENTAGE |
5.0 | 1 | MONTHS | 70.0
| 0 | 0 | DISBURSEMENT |
+ 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
+ Then Working capital loan account has breachGraceDays 0
+
+ @TestRailId:C102515
+ Scenario: Verify breach - UC2: breach frequency shorter or equal to
near-breach frequency is rejected
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data
+ Then Admin creates a Working Capital Loan Product with breach and near
breach config and overrides enabled results an error:
+ | breachFrequency | breachFrequencyType | breachAmountCalculationType |
breachAmount | nearBreachFrequency | nearBreachFrequencyType |
nearBreachThreshold | expectedStatus | expectedErrorMessage
|
+ | 1 | MONTHS | PERCENTAGE |
5.0 | 2 | MONTHS | 70.0
| 400 | near.breach.frequency.must.be.lower.than.breach.frequency
|
+
+ #
=============================================================================
+ # Matrix dimension: Allocation
+ #
=============================================================================
+
+ @TestRailId:C102516
+ Scenario: Verify allocation - UC1: DEFAULT allocation with
DUE_FEE_PRINCIPAL_PENALTY order
+ 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
| paymentAllocation
|
+ | NONE | 360 | DAYS | 1
|
DUE_FEE,DUE_PRINCIPAL,DUE_PENALTY,IN_ADVANCE_FEE,IN_ADVANCE_PRINCIPAL,IN_ADVANCE_PENALTY
|
+ 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 no negative monetary amounts
+
+ #
=============================================================================
+ # Matrix dimension: Charges
+ #
=============================================================================
+
+ @TestRailId:C102517
+ Scenario: Verify charges - UC1: specified due date fee before maturity
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data and creates-approves-disburses
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 | 0 |
+ When Admin sets the business date to "10 January 2026"
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date
charge to working capital loan with "10 January 2026" due date and 35.0
transaction amount
+ Then Working Capital Loan has charges with the following data:
+ | Charge Name | Due Date | Amount | Currency |
isPenalty | Charge Time Type | Charge Calculation Type | Charge Payment mode |
+ | Working Capital Loan Fee | 10 January 2026 | 35.0 | EUR | false
| Specified due date | Flat | Regular |
+
+ @TestRailId:C102518
+ Scenario: Verify charges - UC2: specified due date penalty before maturity
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data and creates-approves-disburses
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 | 0 |
+ When Admin sets the business date to "10 January 2026"
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_PENALTY" specified due
date charge to working capital loan with "10 January 2026" due date and 15.0
transaction amount
+ Then Working Capital Loan has charges with the following data:
+ | Charge Name | Due Date | Amount | Currency |
isPenalty | Charge Time Type | Charge Calculation Type | Charge Payment mode |
+ | Working Capital Loan Penalty | 10 January 2026 | 15.0 | EUR |
true | Specified due date | Flat | Regular |
+
+ @TestRailId:C102519
+ Scenario: Verify charges - UC3: charge after maturity is still payable
+ When Admin sets the business date to "01 January 2026"
+ And Admin creates a client with random data and creates-approves-disburses
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 | 0 |
+ When Admin sets the business date to "20 July 2026"
+ And Admin runs inline COB job for Working Capital Loan by loanId
+ And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date
charge to working capital loan with "20 July 2026" due date and 10.0
transaction amount
+ Then Working Capital Loan has charges with the following data:
+ | Charge Name | Due Date | Amount | Currency |
isPenalty | Charge Time Type | Charge Calculation Type | Charge Payment mode |
+ | Working Capital Loan Fee | 20 July 2026 | 10.0 | EUR | false
| Specified due date | Flat | Regular |
+
+ #
=============================================================================
+ # Matrix dimension: Overrides
+ #
=============================================================================
+
+ @TestRailId:C102520
+ Scenario: Verify overrides - UC1: product with all attribute overrides
disabled rejects repayment frequency override at creation
+ 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
| allowAttributeOverrides |
+ | NONE | 360 | DAYS | 1
| false |
+ Then Admin creates a working capital loan using created product with the
following data results an error:
+ | submittedOnDate | expectedDisbursementDate | principalAmount |
totalPaymentVolume | periodPaymentRate | discount | repaymentEvery |
repaymentFrequencyType | expectedStatus | expectedErrorMessage |
+ | 01 January 2026 | 01 January 2026 | 100 | 100
| 1 | | 7 | MONTHS
| 400 | override.not.allowed.by.product |
+
+ @TestRailId:C102521
+ Scenario: Verify overrides - UC2: product with all attribute overrides
disabled rejects breach override at modification
Review Comment:
removed
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