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Posted to commits@fineract.apache.org by "mariiaKraievska (via GitHub)" <gi...@apache.org> on 2025/09/12 08:44:22 UTC

[PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

mariiaKraievska opened a new pull request, #5031:
URL: https://github.com/apache/fineract/pull/5031

   ## Description
   
   Describe the changes made and why they were made.
   
   Ignore if these details are present on the associated [Apache Fineract JIRA ticket](https://github.com/apache/fineract/pull/1284).
   
   ## Checklist
   
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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "mariiaKraievska (via GitHub)" <gi...@apache.org>.
mariiaKraievska commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2344375832


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   Repayment on "16 August 2025" was reversed, loan re-opened, that`s why we reversed 16th August Accrual Activity. This is correct, right?



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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "vidakovic (via GitHub)" <gi...@apache.org>.
vidakovic merged PR #5031:
URL: https://github.com/apache/fineract/pull/5031


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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "bharathcgowda (via GitHub)" <gi...@apache.org>.
bharathcgowda commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2344389945


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   16th August is associated with the actual/regular Installment no, So I don't think we will have to do that. Only the Accrual Activity that is not associated with any regular Installment should be reversed.
   as that is the one which is actually causing the issue.
   But you can discuss with Adam or other and decide.



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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "bharathcgowda (via GitHub)" <gi...@apache.org>.
bharathcgowda commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2344335676


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   16th August Accrual Activity is missing no?



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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "mariiaKraievska (via GitHub)" <gi...@apache.org>.
mariiaKraievska commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2347985362


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   Thanks for the feedback! I pushed the changes - it only reverses the Accrual Activity that isn't associated with any installment (which was causing the isuue).
   Please check the e2e test again.
   I saved the code that would reverse all accrual activities created on the full payment date (as mentioned in the task https://mifosforge.jira.com/browse/PS-1995). When Adam is back, we can ask if this broader approach is needed, and I can quickly open a PR with those changes if required. Is it okay with you?



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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "mariiaKraievska (via GitHub)" <gi...@apache.org>.
mariiaKraievska commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2347985362


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   Thanks for the feedback! I pushed the changes - it only reverses the Accrual Activity that isn't associated with any installment (which was causing the isuue).
   Please check the e2e test again.
   I saved the code that would reverse all accrual activities created on the full payment date. When Adam is back, we can ask if this broader approach is needed, and I can quickly open a PR with those changes if required. Is it okay with you?



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Re: [PR] FINERACT-2326: Repayment Reversal Failing After Full Repayment of Principal and Fee [fineract]

Posted by "bharathcgowda (via GitHub)" <gi...@apache.org>.
bharathcgowda commented on code in PR #5031:
URL: https://github.com/apache/fineract/pull/5031#discussion_r2348019501


##########
fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature:
##########
@@ -5586,3 +5586,100 @@ Feature: LoanRepayment
       | 22 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 100.0  | 100.0     | 0.0      | 0.0  | 0.0       | 0.0          | true     |
       | 26 October 2024  | Repayment        | 101.0  | 100.0     | 0.0      | 0.0  | 1.0       | 0.0          | false    |
+
+  @TestRailId:C4053
+  Scenario: Verify repayment reversal after full repayment of principal and fee
+    When Admin sets the business date to "16 May 2025"
+    When Admin creates a client with random data
+    When Admin creates a fully customized loan with the following data:
+      | LoanProduct                                                   | submitted on date | with Principal | ANNUAL interest rate % | interest type     | interest calculation period | amortization type  | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy            |
+      | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025       | 186.99         | 11.3043                | DECLINING_BALANCE | DAILY                       | EQUAL_INSTALLMENTS | 3                 | MONTHS                | 1              | MONTHS                 | 3                  | 0                       | 0                      | 0                    | ADVANCED_PAYMENT_ALLOCATION |
+    And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
+    When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
+    When Admin sets the business date to "16 August 2025"
+    And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 EUR transaction amount
+    Then Loan Repayment schedule has 3 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date      | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid  | In advance | Late  | Outstanding |
+      |    |      | 16 May 2025    |                | 186.99          |               |          | 0.0  |           | 0.0   | 0.0   |            |       |             |
+      | 1  | 31   | 16 June 2025   | 16 August 2025 | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 2  | 30   | 16 July 2025   | 16 August 2025 | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 63.51 | 0.0        | 63.51 | 0.0         |
+      | 3  | 31   | 16 August 2025 | 16 August 2025 | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 65.25 | 0.0        | 0.0   | 0.0         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid   | In advance | Late   | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 0.0       | 192.27 | 192.27 | 0.0        | 127.02 | 0.0         |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+    When Admin sets the business date to "21 August 2025"
+    And Customer makes a repayment undo on "16 August 2025"
+    And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
+    And Loan Charges tab has the following data:
+      | Name    | isPenalty | Payment due at     | Due as of      | Calculation type | Due | Paid | Waived | Outstanding |
+      | NSF fee | true      | Specified due date | 21 August 2025 | Flat             | 2.8 | 0.0  | 0.0    | 2.8         |
+    Then Loan Repayment schedule has 4 periods, with the following data for periods:
+      | Nr | Days | Date           | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due   | Paid | In advance | Late | Outstanding |
+      |    |      | 16 May 2025    |           | 186.99          |               |          | 0.0  |           | 0.0   | 0.0  |            |      |             |
+      | 1  | 31   | 16 June 2025   |           | 125.24          | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 2  | 30   | 16 July 2025   |           | 63.49           | 61.75         | 1.76     | 0.0  | 0.0       | 63.51 | 0.0  | 0.0        | 0.0  | 63.51       |
+      | 3  | 31   | 16 August 2025 |           | 0.0             | 63.49         | 1.76     | 0.0  | 0.0       | 65.25 | 0.0  | 0.0        | 0.0  | 65.25       |
+      | 4  | 5    | 21 August 2025 |           | 0.0             | 0.0           | 0.0      | 0.0  | 2.8       | 2.8   | 0.0  | 0.0        | 0.0  | 2.8         |
+    Then Loan Repayment schedule has the following data in Total row:
+      | Principal due | Interest | Fees | Penalties | Due    | Paid | In advance | Late | Outstanding |
+      | 186.99        | 5.28     | 0.0  | 2.8       | 195.07 | 0.0  | 0.0        | 0.0  | 195.07      |
+    Then Loan Transactions tab has the following data:
+      | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+      | 16 May 2025      | Disbursement     | 186.99 | 0.0       | 0.0      | 0.0  | 0.0       | 186.99       | false    | false    |
+      | 16 June 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 July 2025     | Accrual Activity | 1.76   | 0.0       | 1.76     | 0.0  | 0.0       | 0.0          | false    | false    |
+      | 16 August 2025   | Repayment        | 192.27 | 186.99    | 5.28     | 0.0  | 0.0       | 0.0          | true     | false    |
+      | 16 August 2025   | Accrual          | 5.28   | 0.0       | 5.28     | 0.0  | 0.0       | 0.0          | false    | false    |

Review Comment:
   LGTM now



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