private void validateDisbursementDateWithMeetingDates(
final LocalDate expectedDisbursementDate, final Calendar calendar) {
// disbursement date should fall on a meeting date
if (!CalendarHelper.isValidRedurringDate(
calendar.getRecurrence(), calendar.getStartDateLocalDate(), expectedDisbursementDate)) {
final String errorMessage =
"Expected disbursement date '"
+ expectedDisbursementDate
+ "' do not fall on a meeting date";
throw new LoanApplicationDateException(
"disbursement.date.do.not.match.meeting.date", errorMessage, expectedDisbursementDate);
}
}
private void validateRepaymentsStartDateWithMeetingDates(
final LocalDate repaymentsStartingFromDate, final Calendar calendar) {
if (repaymentsStartingFromDate != null
&& !CalendarHelper.isValidRedurringDate(
calendar.getRecurrence(),
calendar.getStartDateLocalDate(),
repaymentsStartingFromDate)) {
final String errorMessage =
"First repayment date '" + repaymentsStartingFromDate + "' do not fall on a meeting date";
throw new LoanApplicationDateException(
"first.repayment.date.do.not.match.meeting.date",
errorMessage,
repaymentsStartingFromDate);
}
}
private LoanApplicationTerms assembleLoanApplicationTermsFrom(
final JsonElement element, final LoanProduct loanProduct) {
final MonetaryCurrency currency = loanProduct.getCurrency();
final ApplicationCurrency applicationCurrency =
this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
// loan terms
final Integer loanTermFrequency =
fromApiJsonHelper.extractIntegerWithLocaleNamed("loanTermFrequency", element);
final Integer loanTermFrequencyType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("loanTermFrequencyType", element);
final PeriodFrequencyType loanTermPeriodFrequencyType =
PeriodFrequencyType.fromInt(loanTermFrequencyType);
final Integer numberOfRepayments =
fromApiJsonHelper.extractIntegerWithLocaleNamed("numberOfRepayments", element);
final Integer repaymentEvery =
fromApiJsonHelper.extractIntegerWithLocaleNamed("repaymentEvery", element);
final Integer repaymentFrequencyType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("repaymentFrequencyType", element);
final PeriodFrequencyType repaymentPeriodFrequencyType =
PeriodFrequencyType.fromInt(repaymentFrequencyType);
final Integer amortizationType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("amortizationType", element);
final AmortizationMethod amortizationMethod = AmortizationMethod.fromInt(amortizationType);
// interest terms
final Integer interestType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("interestType", element);
final InterestMethod interestMethod = InterestMethod.fromInt(interestType);
final Integer interestCalculationPeriodType =
fromApiJsonHelper.extractIntegerWithLocaleNamed("interestCalculationPeriodType", element);
final InterestCalculationPeriodMethod interestCalculationPeriodMethod =
InterestCalculationPeriodMethod.fromInt(interestCalculationPeriodType);
final BigDecimal interestRatePerPeriod =
fromApiJsonHelper.extractBigDecimalWithLocaleNamed("interestRatePerPeriod", element);
final PeriodFrequencyType interestRatePeriodFrequencyType =
loanProduct.getInterestPeriodFrequencyType();
final BigDecimal annualNominalInterestRate =
this.aprCalculator.calculateFrom(interestRatePeriodFrequencyType, interestRatePerPeriod);
// disbursement details
final BigDecimal principal =
this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed("principal", element);
final Money principalMoney = Money.of(currency, principal);
final LocalDate expectedDisbursementDate =
this.fromApiJsonHelper.extractLocalDateNamed("expectedDisbursementDate", element);
final LocalDate repaymentsStartingFromDate =
this.fromApiJsonHelper.extractLocalDateNamed("repaymentsStartingFromDate", element);
LocalDate calculatedRepaymentsStartingFromDate = repaymentsStartingFromDate;
final Boolean synchDisbursement =
fromApiJsonHelper.extractBooleanNamed("syncDisbursementWithMeeting", element);
final Long calendarId = this.fromApiJsonHelper.extractLongNamed("calendarId", element);
Calendar calendar = null;
if ((synchDisbursement != null && synchDisbursement.booleanValue())
|| (calendarId != null && calendarId != 0)) {
calendar = this.calendarRepository.findOne(calendarId);
if (calendar == null) {
throw new CalendarNotFoundException(calendarId);
}
// validate repayment frequency and interval with meeting frequency and interval
PeriodFrequencyType meetingPeriodFrequency =
CalendarHelper.getMeetingPeriodFrequencyType(calendar.getRecurrence());
validateRepaymentFrequencyIsSameAsMeetingFrequency(
meetingPeriodFrequency.getValue(),
repaymentFrequencyType,
CalendarHelper.getInterval(calendar.getRecurrence()),
repaymentEvery);
}
if (synchDisbursement != null && synchDisbursement.booleanValue()) {
validateDisbursementDateWithMeetingDates(expectedDisbursementDate, calendar);
}
// if calendar is attached (not null) then reschedule repayment dates according to meeting
if (null != calendar) {
// TODO : AA - Is it require to reset repaymentsStartingFromDate or
// set only if it is not provided (or null)
// Currently provided repaymentsStartingFromDate takes precedence over system generated next
// meeting date
if (calculatedRepaymentsStartingFromDate == null) {
// FIXME: AA - Possibility of having next meeting date immediately after disbursement date,
// need to have minimum number of days gap between disbursement and first repayment date.
final String frequency =
CalendarHelper.getMeetingFrequencyFromPeriodFrequencyType(repaymentPeriodFrequencyType);
calculatedRepaymentsStartingFromDate =
CalendarHelper.getFirstRepaymentMeetingDate(
calendar, expectedDisbursementDate, repaymentEvery, frequency);
} else { // validate user provided repaymentsStartFromDate
validateRepaymentsStartDateWithMeetingDates(repaymentsStartingFromDate, calendar);
}
}
// grace details
final Integer graceOnPrincipalPayment =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnPrincipalPayment", element);
final Integer graceOnInterestPayment =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnInterestPayment", element);
final Integer graceOnInterestCharged =
this.fromApiJsonHelper.extractIntegerWithLocaleNamed("graceOnInterestCharged", element);
final LocalDate interestChargedFromDate =
fromApiJsonHelper.extractLocalDateNamed("interestChargedFromDate", element);
// other
final BigDecimal inArrearsTolerance =
this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed("inArrearsTolerance", element);
final Money inArrearsToleranceMoney = Money.of(currency, inArrearsTolerance);
return LoanApplicationTerms.assembleFrom(
applicationCurrency,
loanTermFrequency,
loanTermPeriodFrequencyType,
numberOfRepayments,
repaymentEvery,
repaymentPeriodFrequencyType,
amortizationMethod,
interestMethod,
interestRatePerPeriod,
interestRatePeriodFrequencyType,
annualNominalInterestRate,
interestCalculationPeriodMethod,
principalMoney,
expectedDisbursementDate,
repaymentsStartingFromDate,
calculatedRepaymentsStartingFromDate,
graceOnPrincipalPayment,
graceOnInterestPayment,
graceOnInterestCharged,
interestChargedFromDate,
inArrearsToleranceMoney);
}
@Override
public JLGCollectionSheetData generateGroupCollectionSheet(
final Long groupId, final JsonQuery query) {
this.collectionSheetGenerateCommandFromApiJsonDeserializer.validateForGenerateCollectionSheet(
query.json());
final Long calendarId = query.longValueOfParameterNamed(calendarIdParamName);
final LocalDate transactionDate =
query.localDateValueOfParameterNamed(transactionDateParamName);
final DateFormat df = new SimpleDateFormat("yyyy-MM-dd");
final String transactionDateStr = df.format(transactionDate.toDate());
final Calendar calendar =
this.calendarRepositoryWrapper.findOneWithNotFoundDetection(calendarId);
// check if transaction against calendar effective from date
if (!calendar.isValidRecurringDate(transactionDate)) {
throw new NotValidRecurringDateException(
"collectionsheet",
"The date '" + transactionDate + "' is not a valid meeting date.",
transactionDate);
}
final AppUser currentUser = this.context.authenticatedUser();
final String hierarchy = currentUser.getOffice().getHierarchy();
final String officeHierarchy = hierarchy + "%";
final GroupGeneralData group = this.groupReadPlatformService.retrieveOne(groupId);
final JLGCollectionSheetFaltDataMapper mapper = new JLGCollectionSheetFaltDataMapper();
// entityType should be center if it's within a center
final CalendarEntityType entityType =
(group.isChildGroup()) ? CalendarEntityType.CENTERS : CalendarEntityType.GROUPS;
final SqlParameterSource namedParameters =
new MapSqlParameterSource()
.addValue("dueDate", transactionDateStr)
.addValue("groupId", group.getId())
.addValue("officeHierarchy", officeHierarchy)
.addValue("entityTypeId", entityType.getValue());
final Collection<JLGCollectionSheetFlatData> collectionSheetFlatDatas =
this.namedParameterjdbcTemplate.query(
mapper.collectionSheetSchema(false), namedParameters, mapper);
// loan data for collection sheet
JLGCollectionSheetData collectionSheetData =
buildJLGCollectionSheet(transactionDate, collectionSheetFlatDatas);
// mandatory savings data for collection sheet
Collection<JLGGroupData> groupsWithSavingsData =
this.namedParameterjdbcTemplate.query(
mandatorySavingsExtractor.collectionSheetSchema(false),
namedParameters,
mandatorySavingsExtractor);
// merge savings data into loan data
mergeSavingsGroupDataIntoCollectionsheetData(groupsWithSavingsData, collectionSheetData);
collectionSheetData =
JLGCollectionSheetData.withSavingsProducts(
collectionSheetData, retrieveSavingsProducts(groupsWithSavingsData));
return collectionSheetData;
}
