/*
* Copyright (c) 2005-2011 Grameen Foundation USA
* All rights reserved.
*
* Licensed under the Apache License, Version 2.0 (the "License");
* you may not use this file except in compliance with the License.
* You may obtain a copy of the License at
*
* http://www.apache.org/licenses/LICENSE-2.0
*
* Unless required by applicable law or agreed to in writing, software
* distributed under the License is distributed on an "AS IS" BASIS,
* WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or
* implied. See the License for the specific language governing
* permissions and limitations under the License.
*
* See also http://www.apache.org/licenses/LICENSE-2.0.html for an
* explanation of the license and how it is applied.
*/
package org.mifos.framework.components.batchjobs.helpers;
import org.mifos.accounts.util.helpers.AccountState;
import org.mifos.customers.persistence.CustomerPersistence;
import org.mifos.framework.util.helpers.Money;
public class PortfolioAtRiskCalculation {
// This method is used by the PortfolioAtRiskHelper to calculate the PAR for
// each group when the PAR task is running
// and not intended to be used anywhere else. This method calculated the PAR
// assuming that loans are in arrears
// are already put in the state active in bad standing (the query will
// calculated for loans in active in bad standing only
public static double generatePortfolioAtRiskForTask(Integer groupId, Short branchId, String searchId)
throws Exception {
double portfolioAtRisk = -1;
CustomerPersistence customerPersistence = new CustomerPersistence();
Money atRiskLoanAmount = customerPersistence.getTotalAmountForGroup(groupId,
AccountState.LOAN_ACTIVE_IN_BAD_STANDING);
Money goupLoanAmountForActiveLoans = customerPersistence.getTotalAmountForGroup(groupId,
AccountState.LOAN_ACTIVE_IN_GOOD_STANDING);
Money outstandingLoanAmount = atRiskLoanAmount.add(goupLoanAmountForActiveLoans);
Money clientAtRiskLoanAmount = customerPersistence.getTotalAmountForAllClientsOfGroup(branchId,
AccountState.LOAN_ACTIVE_IN_BAD_STANDING, searchId);
Money clientLoanAmountForActiveLoans = customerPersistence.getTotalAmountForAllClientsOfGroup(branchId,
AccountState.LOAN_ACTIVE_IN_GOOD_STANDING, searchId);
Money clientOutstandingLoanAmount = clientAtRiskLoanAmount.add(clientLoanAmountForActiveLoans);
outstandingLoanAmount = outstandingLoanAmount.add(clientOutstandingLoanAmount);
atRiskLoanAmount = atRiskLoanAmount.add(clientAtRiskLoanAmount);
if (!outstandingLoanAmount.equals(new Money(outstandingLoanAmount.getCurrency()))) {
portfolioAtRisk = atRiskLoanAmount.divide(outstandingLoanAmount).doubleValue();
} else if (atRiskLoanAmount.equals(new Money(atRiskLoanAmount.getCurrency()))) {
portfolioAtRisk = 0.0;
}
return portfolioAtRisk;
}
}