Java tutorial
/* * 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 java.math.BigDecimal; import java.util.ArrayList; import java.util.List; import org.joda.time.DateTime; import org.joda.time.LocalDate; import org.mifos.accounts.business.AccountFeesEntity; import org.mifos.accounts.fees.persistence.FeeDao; import org.mifos.accounts.fees.util.helpers.RateAmountFlag; import org.mifos.accounts.loan.business.LoanFeeScheduleEntity; import org.mifos.accounts.loan.business.LoanScheduleEntity; import org.mifos.accounts.loan.util.helpers.InstallmentPrincipalAndInterest; import org.mifos.accounts.productdefinition.business.LoanOfferingBO; import org.mifos.accounts.productdefinition.util.helpers.GraceType; import org.mifos.accounts.productdefinition.util.helpers.InterestType; import org.mifos.accounts.util.helpers.AccountConstants; import org.mifos.accounts.util.helpers.FeeInstallment; import org.mifos.accounts.util.helpers.InstallmentDate; import org.mifos.accounts.util.helpers.PaymentStatus; import org.mifos.application.master.business.MifosCurrency; import org.mifos.application.meeting.business.MeetingBO; import org.mifos.customers.business.CustomerBO; import org.mifos.framework.util.helpers.Money; import org.mifos.framework.util.helpers.MoneyUtils; import org.mifos.schedule.ScheduledEvent; import org.mifos.service.BusinessRuleException; public class IndividualLoanScheduleFactory implements LoanScheduleFactory { private FeeDao feeDao; public IndividualLoanScheduleFactory(FeeDao feeDao) { this.feeDao = feeDao; } @Override public LoanSchedule create(LocalDate disbursementDate, List<DateTime> loanScheduleDates, List<Number> totalInstallmentAmounts, LoanOfferingBO loanProduct, CustomerBO customer, MeetingBO loanMeeting, Money loanAmount, Double interestRate, Integer interestDays, Integer gracePeriodDuration, List<AccountFeesEntity> accountFees) { GraceType graceType = loanProduct.getGraceType(); InterestType interestType = loanProduct.getInterestType(); boolean variableInstallmentLoanProduct = loanProduct.isVariableInstallmentsAllowed(); Integer numberOfInstallments = loanScheduleDates.size(); RecurringScheduledEventFactory scheduledEventFactory = new RecurringScheduledEventFactoryImpl(); ScheduledEvent meetingScheduledEvent = scheduledEventFactory.createScheduledEventFrom(loanMeeting); Integer installmentNumber = 1; List<InstallmentDate> dueInstallmentDates = new ArrayList<InstallmentDate>(); for (DateTime scheduledDate : loanScheduleDates) { dueInstallmentDates.add(new InstallmentDate(installmentNumber.shortValue(), scheduledDate.toLocalDate().toDateMidnight().toDate())); installmentNumber++; } if (loanProduct.isPrinDueLastInst()) { // Principal due on last installment has been cut, so throw an exception if we reach this code. throw new BusinessRuleException(AccountConstants.NOT_SUPPORTED_EMI_GENERATION); } // loan interest calculation for various interest calculation algorithms LoanDecliningInterestAnnualPeriodCalculator decliningInterestAnnualPeriodCalculator = new LoanDecliningInterestAnnualPeriodCalculatorFactory() .create(loanMeeting.getRecurrenceType()); Double decliningInterestAnnualPeriod = decliningInterestAnnualPeriodCalculator .calculate(loanMeeting.getRecurAfter().intValue(), interestDays); Double interestFractionalRatePerInstallment = interestRate / decliningInterestAnnualPeriod / 100; LoanDurationInAccountingYearsCalculator loanDurationInAccountingYearsCalculator = new LoanDurationInAccountingYearsCalculatorFactory() .create(loanMeeting.getRecurrenceType()); Double durationInYears = loanDurationInAccountingYearsCalculator .calculate(loanMeeting.getRecurAfter().intValue(), numberOfInstallments, interestDays); List<Money> totalInstallmentAmountsAsMoney = new ArrayList<Money>(); for (Number totalInstallmentAmount : totalInstallmentAmounts) { Money totalAmount = new Money(loanAmount.getCurrency(), BigDecimal.valueOf(totalInstallmentAmount.doubleValue())); totalInstallmentAmountsAsMoney.add(totalAmount); } LoanInterestCalculationDetails loanInterestCalculationDetails = new LoanInterestCalculationDetails( loanAmount, interestRate, graceType, gracePeriodDuration, numberOfInstallments, durationInYears, interestFractionalRatePerInstallment, disbursementDate, loanScheduleDates); loanInterestCalculationDetails.setTotalInstallmentAmounts(totalInstallmentAmountsAsMoney); LoanInterestCalculatorFactory loanInterestCalculatorFactory = new LoanInterestCalculatorFactoryImpl(); LoanInterestCalculator loanInterestCalculator = loanInterestCalculatorFactory.create(interestType, variableInstallmentLoanProduct); Money loanInterest = loanInterestCalculator.calculate(loanInterestCalculationDetails); // end of loan Interest creation EqualInstallmentGeneratorFactory equalInstallmentGeneratorFactory = new EqualInstallmentGeneratorFactoryImpl(); PrincipalWithInterestGenerator equalInstallmentGenerator = equalInstallmentGeneratorFactory .create(interestType, loanInterest, variableInstallmentLoanProduct); List<InstallmentPrincipalAndInterest> EMIInstallments = equalInstallmentGenerator .generateEqualInstallments(loanInterestCalculationDetails); List<LoanScheduleEntity> unroundedLoanSchedules = createUnroundedLoanSchedulesFromInstallments( dueInstallmentDates, loanInterest, loanAmount, meetingScheduledEvent, EMIInstallments, accountFees, customer); Money rawAmount = calculateTotalFeesAndInterestForLoanSchedules(unroundedLoanSchedules, loanAmount.getCurrency(), accountFees); List<LoanScheduleEntity> allExistingLoanSchedules = new ArrayList<LoanScheduleEntity>(); List<LoanScheduleEntity> finalisedLoanSchedules = new ArrayList<LoanScheduleEntity>(unroundedLoanSchedules); if (variableInstallmentLoanProduct && totalInstallmentAmounts.isEmpty()) { // only round inital loan schedule of variable installments product. LoanScheduleRounder loanScheduleInstallmentRounder = new VariableInstallmentLoanScheduleRounder(); finalisedLoanSchedules = loanScheduleInstallmentRounder.round(graceType, gracePeriodDuration.shortValue(), loanAmount, interestType, unroundedLoanSchedules, allExistingLoanSchedules); } else if (!variableInstallmentLoanProduct) { LoanScheduleRounderHelper loanScheduleRounderHelper = new DefaultLoanScheduleRounderHelper(); LoanScheduleRounder loanScheduleInstallmentRounder = new DefaultLoanScheduleRounder( loanScheduleRounderHelper); finalisedLoanSchedules = loanScheduleInstallmentRounder.round(graceType, gracePeriodDuration.shortValue(), loanAmount, interestType, unroundedLoanSchedules, allExistingLoanSchedules); } return new LoanSchedule(finalisedLoanSchedules, rawAmount); } private List<LoanScheduleEntity> createUnroundedLoanSchedulesFromInstallments( List<InstallmentDate> installmentDates, Money loanInterest, Money loanAmount, ScheduledEvent meetingScheduledEvent, List<InstallmentPrincipalAndInterest> principalWithInterestInstallments, List<AccountFeesEntity> accountFees, CustomerBO customer) { List<LoanScheduleEntity> unroundedLoanSchedules = new ArrayList<LoanScheduleEntity>(); List<AccountFeesEntity> accountFeesWithNoTimeOfDibursementFees = new ArrayList<AccountFeesEntity>(); List<FeeInstallment> feeInstallments = new ArrayList<FeeInstallment>(); if (!accountFees.isEmpty()) { InstallmentFeeCalculatorFactory installmentFeeCalculatorFactory = new InstallmentFeeCalculatorFactoryImpl(); for (AccountFeesEntity accountFeesEntity : accountFees) { RateAmountFlag feeType = accountFeesEntity.getFees().getFeeType(); InstallmentFeeCalculator installmentFeeCalculator = installmentFeeCalculatorFactory .create(this.feeDao, feeType); Double feeAmountOrRate = accountFeesEntity.getFeeAmount(); Money accountFeeAmount = installmentFeeCalculator.calculate(feeAmountOrRate, loanAmount, loanInterest, accountFeesEntity.getFees()); accountFeesEntity.setAccountFeeAmount(accountFeeAmount); if (!accountFeesEntity.isTimeOfDisbursement()) { accountFeesWithNoTimeOfDibursementFees.add(accountFeesEntity); } } feeInstallments = FeeInstallment.createMergedFeeInstallments(meetingScheduledEvent, accountFeesWithNoTimeOfDibursementFees, installmentDates.size()); } int installmentIndex = 0; for (InstallmentDate installmentDate1 : installmentDates) { InstallmentPrincipalAndInterest em = principalWithInterestInstallments.get(installmentIndex); LoanScheduleEntity loanScheduleEntity = new LoanScheduleEntity(null, customer, installmentDate1.getInstallmentId(), new java.sql.Date(installmentDate1.getInstallmentDueDate().getTime()), PaymentStatus.UNPAID, em.getPrincipal(), em.getInterest()); for (FeeInstallment feeInstallment : feeInstallments) { if (feeInstallment.getInstallmentId().equals(installmentDate1.getInstallmentId())) { LoanFeeScheduleEntity loanFeeScheduleEntity = new LoanFeeScheduleEntity(loanScheduleEntity, feeInstallment.getAccountFeesEntity().getFees(), feeInstallment.getAccountFeesEntity(), feeInstallment.getAccountFee()); loanScheduleEntity.addAccountFeesAction(loanFeeScheduleEntity); } } unroundedLoanSchedules.add(loanScheduleEntity); installmentIndex++; } return unroundedLoanSchedules; } private Money calculateTotalFeesAndInterestForLoanSchedules(List<LoanScheduleEntity> unroundedLoanSchedules, MifosCurrency currencyInUse, List<AccountFeesEntity> accountFees) { Money zero = new Money(currencyInUse); Money interest = zero; Money fees = zero; for (LoanScheduleEntity unroundedLoanSchedule : unroundedLoanSchedules) { interest = interest.add(unroundedLoanSchedule.getInterest()); fees = fees.add(unroundedLoanSchedule.getTotalFeesDueWithMiscFee()); } Money feeDisbursementAmount = zero; for (AccountFeesEntity accountFeesEntity : accountFees) { if (accountFeesEntity.getFees().isTimeOfDisbursement()) { feeDisbursementAmount = fees.add(accountFeesEntity.getAccountFeeAmount()); } } fees = fees.add(feeDisbursementAmount); fees = MoneyUtils.currencyRound(fees); interest = MoneyUtils.currencyRound(interest); Money rawAmount = interest.add(fees); return rawAmount; } }