/*
* 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.clientportfolio.newloan.domain;
import static org.hamcrest.Matchers.is;
import static org.junit.Assert.assertThat;
import java.util.List;
import org.junit.Before;
import org.junit.Test;
import org.junit.runner.RunWith;
import org.mifos.accounts.loan.util.helpers.InstallmentPrincipalAndInterest;
import org.mifos.accounts.productdefinition.util.helpers.GraceType;
import org.mifos.framework.util.helpers.Money;
import org.mockito.runners.MockitoJUnitRunner;
@RunWith(MockitoJUnitRunner.class)
public class FlatLoanPrincipalWithInterestGeneratorTest {
// class under test
private PrincipalWithInterestGenerator principalWithInterestGenerator;
// test doubles
private Money loanInterest;
@Before
public void setup() {
loanInterest = TestMoneyUtil.createMoney("7.50");
principalWithInterestGenerator = new FlatLoanPrincipalWithInterestGenerator(loanInterest);
}
@Test
public void shouldReturnPrincipalAndInterestDetailsForMatchingNumberOfInstallments() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.NONE)
.withGraceDurationOf(0)
.withNumberOfInstallments(1)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.size(), is(1));
}
@Test
public void shouldReturnPrincipalAndInterestDetailsForMatchingNumberOfInstallments_larger() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.NONE)
.withGraceDurationOf(0)
.withNumberOfInstallments(20)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.size(), is(20));
}
@Test
public void givenNoGraceOnAnyInstallmentShouldReturnPrincipalAndInterestDueForEachInstallment() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.NONE)
.withGraceDurationOf(0)
.withNumberOfInstallments(1)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.get(0).getPrincipal(), is(TestMoneyUtil.createMoney("100")));
assertThat(equalInstallments.get(0).getInterest(), is(loanInterest));
}
@Test
public void givenGraceOnAllRepaymentsShouldReturnPrincipalAndInterestDueForEachInstallment() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.GRACEONALLREPAYMENTS)
.withGraceDurationOf(0)
.withNumberOfInstallments(1)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.get(0).getPrincipal(), is(TestMoneyUtil.createMoney("100")));
assertThat(equalInstallments.get(0).getInterest(), is(loanInterest));
}
@Test
public void givenGraceOnAllRepaymentsShouldReturnPrincipalAndInterestDueForEachInstallmentRelativeToLoanAmount() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.GRACEONALLREPAYMENTS)
.withGraceDurationOf(0)
.withNumberOfInstallments(10)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.get(0).getPrincipal(), is(TestMoneyUtil.createMoney("10")));
assertThat(TestMoneyUtil.moneyOf(equalInstallments.get(0).getInterest()), is(TestMoneyUtil.moneyOf("0.8")));
}
@Test
public void givenPrincipalOnlyGraceShouldReturnPrincipalAndInterestDueForEachInstallmentRelativeToLoanAmount() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.PRINCIPALONLYGRACE)
.withGraceDurationOf(0)
.withNumberOfInstallments(10)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(equalInstallments.get(0).getPrincipal(), is(TestMoneyUtil.createMoney("10")));
assertThat(TestMoneyUtil.moneyOf(equalInstallments.get(0).getInterest()), is(TestMoneyUtil.moneyOf("0.8")));
}
@Test
public void givenPrincipalOnlyGraceForFourInstallmentsShouldReturnPrincipalAndInterestDueForEachInstallmentRelativeToLoanAmount() {
LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetailsBuilder().withLoanAmount("100.0")
.withGraceType(GraceType.PRINCIPALONLYGRACE)
.withGraceDurationOf(4)
.withNumberOfInstallments(10)
.withInterestFractionalRatePerInstallmentOf("0.16")
.build();
// exercise test
List<InstallmentPrincipalAndInterest> equalInstallments = principalWithInterestGenerator.generateEqualInstallments(loanInterestCalculationDetails);
// verification
assertThat(TestMoneyUtil.moneyOf(equalInstallments.get(0).getPrincipal()), is(TestMoneyUtil.moneyOf("0.0")));
assertThat(TestMoneyUtil.moneyOf(equalInstallments.get(0).getInterest()), is(TestMoneyUtil.moneyOf("0.8")));
}
}