def test_loan_interest_accural(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant, "Demand Loan", loan_application,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
loan_interest_accural = frappe.get_doc("Loan Interest Accrual", {'loan': loan.name})
self.assertEquals(flt(loan_interest_accural.interest_amount, 2), flt(accrued_interest_amount, 2))
def test_loan_repayment_salary_slip(self):
from erpnext.loan_management.doctype.loan.test_loan import create_loan_type, create_loan, make_loan_disbursement_entry, create_loan_accounts
from erpnext.loan_management.doctype.process_loan_interest_accrual.process_loan_interest_accrual import process_loan_interest_accrual_for_term_loans
applicant = make_employee("*****@*****.**", company="_Test Company")
create_loan_accounts()
create_loan_type("Car Loan", 500000, 8.4,
is_term_loan=1,
mode_of_payment='Cash',
payment_account='Payment Account - _TC',
loan_account='Loan Account - _TC',
interest_income_account='Interest Income Account - _TC',
penalty_income_account='Penalty Income Account - _TC')
loan = create_loan(applicant, "Car Loan", 11000, "Repay Over Number of Periods", 20, posting_date=add_months(nowdate(), -1))
loan.repay_from_salary = 1
loan.submit()
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=add_months(nowdate(), -1))
process_loan_interest_accrual_for_term_loans(posting_date=nowdate())
ss = make_employee_salary_slip("*****@*****.**", "Monthly")
ss.submit()
self.assertEqual(ss.total_loan_repayment, 592)
self.assertEqual(ss.net_pay, (flt(ss.gross_pay) - (flt(ss.total_deduction) + flt(ss.total_loan_repayment))))
def test_loan_repayment_salary_slip(self):
from erpnext.loan_management.doctype.loan.test_loan import create_loan_type, create_loan, make_loan_disbursement_entry, create_loan_accounts
from erpnext.loan_management.doctype.process_loan_interest_accrual.process_loan_interest_accrual import process_loan_interest_accrual_for_term_loans
from erpnext.payroll.doctype.salary_structure.test_salary_structure import make_salary_structure
applicant = make_employee("*****@*****.**",
company="_Test Company")
create_loan_accounts()
create_loan_type(
"Car Loan",
500000,
8.4,
is_term_loan=1,
mode_of_payment='Cash',
payment_account='Payment Account - _TC',
loan_account='Loan Account - _TC',
interest_income_account='Interest Income Account - _TC',
penalty_income_account='Penalty Income Account - _TC')
payroll_period = create_payroll_period(name="_Test Payroll Period 1",
company="_Test Company")
make_salary_structure("Test Loan Repayment Salary Structure",
"Monthly",
employee=applicant,
currency='INR',
payroll_period=payroll_period)
frappe.db.sql("""delete from `tabLoan""")
loan = create_loan(applicant,
"Car Loan",
11000,
"Repay Over Number of Periods",
20,
posting_date=add_months(nowdate(), -1))
loan.repay_from_salary = 1
loan.submit()
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=add_months(
nowdate(), -1))
process_loan_interest_accrual_for_term_loans(posting_date=nowdate())
ss = make_employee_salary_slip(
"*****@*****.**", "Monthly",
"Test Loan Repayment Salary Structure")
ss.submit()
self.assertEqual(ss.total_loan_repayment, 592)
self.assertEqual(
ss.net_pay,
(flt(ss.gross_pay) -
(flt(ss.total_deduction) + flt(ss.total_loan_repayment))))
def test_loan(self):
branch = "Test Employee Branch"
applicant = make_employee(
"*****@*****.**", company="_Test Company")
company = "_Test Company"
holiday_list = make_holiday("test holiday for loan")
company_doc = frappe.get_doc('Company', company)
if not company_doc.default_payroll_payable_account:
company_doc.default_payroll_payable_account = frappe.db.get_value('Account',
{'company': company, 'root_type': 'Liability', 'account_type': ''}, 'name')
company_doc.save()
if not frappe.db.exists('Branch', branch):
frappe.get_doc({
'doctype': 'Branch',
'branch': branch
}).insert()
employee_doc = frappe.get_doc('Employee', applicant)
employee_doc.branch = branch
employee_doc.holiday_list = holiday_list
employee_doc.save()
salary_structure = "Test Salary Structure for Loan"
make_salary_structure(salary_structure, "Monthly", employee=employee_doc.name,
company="_Test Company", currency=company_doc.default_currency)
loan = create_loan(applicant, "Car Loan", 280000, "Repay Over Number of Periods",
20, posting_date=add_months(nowdate(), -1))
loan.repay_from_salary = 1
loan.submit()
make_loan_disbursement_entry(
loan.name, loan.loan_amount, disbursement_date=add_months(nowdate(), -1))
process_loan_interest_accrual_for_term_loans(posting_date=nowdate())
dates = get_start_end_dates('Monthly', nowdate())
make_payroll_entry(company="_Test Company", start_date=dates.start_date, payable_account=company_doc.default_payroll_payable_account,
currency=company_doc.default_currency, end_date=dates.end_date, branch=branch, cost_center="Main - _TC", payment_account="Cash - _TC")
name = frappe.db.get_value('Salary Slip',
{'posting_date': nowdate(), 'employee': applicant}, 'name')
salary_slip = frappe.get_doc('Salary Slip', name)
for row in salary_slip.loans:
if row.loan == loan.name:
interest_amount = (280000 * 8.4)/(12*100)
principal_amount = loan.monthly_repayment_amount - interest_amount
self.assertEqual(row.interest_amount, interest_amount)
self.assertEqual(row.principal_amount, principal_amount)
self.assertEqual(row.total_payment,
interest_amount + principal_amount)
if salary_slip.docstatus == 0:
frappe.delete_doc('Salary Slip', name)
def test_loan_topup(self):
pledge = [{"loan_security": "Test Security 1", "qty": 4000.00}]
loan_application = create_loan_application("_Test Company",
self.applicant,
"Demand Loan", pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant,
"Demand Loan",
loan_application,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = get_first_day(nowdate())
last_date = get_last_day(nowdate())
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest *
no_of_days) / (
days_in_year(get_datetime().year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(
posting_date=add_days(last_date, 1))
# Should not be able to create loan disbursement entry before repayment
self.assertRaises(frappe.ValidationError, make_loan_disbursement_entry,
loan.name, 500000, first_date)
repayment_entry = create_repayment_entry(
loan.name, self.applicant, add_days(get_last_day(nowdate()), 5),
611095.89)
repayment_entry.submit()
loan.reload()
# After repayment loan disbursement entry should go through
make_loan_disbursement_entry(loan.name,
500000,
disbursement_date=add_days(last_date, 16))
# check for disbursement accrual
loan_interest_accrual = frappe.db.get_value(
"Loan Interest Accrual", {
"loan": loan.name,
"accrual_type": "Disbursement"
})
self.assertTrue(loan_interest_accrual)
def test_loan_topup(self):
pledges = []
pledges.append({
"loan_security": "Test Security 1",
"qty": 4000.00,
"haircut": 50,
"loan_security_price": 500.00
})
loan_security_pledge = create_loan_security_pledge(
self.applicant, pledges)
loan = create_demand_loan(self.applicant,
"Demand Loan",
loan_security_pledge.name,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = get_first_day(nowdate())
last_date = get_last_day(nowdate())
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime().year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual(posting_date=add_days(last_date, 1))
# Paid 511095.89 amount includes 5,00,000 principal amount and 11095.89 interest amount
repayment_entry = create_repayment_entry(
loan.name, self.applicant, add_days(get_last_day(nowdate()), 5),
"Regular Payment", 611095.89)
repayment_entry.submit()
loan.reload()
make_loan_disbursement_entry(loan.name,
500000,
disbursement_date=add_days(last_date, 16))
total_principal_paid = loan.total_principal_paid
loan.reload()
# Loan Topup will result in decreasing the Total Principal Paid
self.assertEqual(flt(loan.total_principal_paid, 2),
flt(total_principal_paid - 500000, 2))
def test_accumulated_amounts(self):
pledge = [{"loan_security": "Test Security 1", "qty": 4000.00}]
loan_application = create_loan_application("_Test Company",
self.applicant,
"Demand Loan", pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant,
"Demand Loan",
loan_application,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = "2019-10-01"
last_date = "2019-10-30"
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (
loan.loan_amount * loan.rate_of_interest *
no_of_days) / (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
loan_interest_accrual = frappe.get_doc("Loan Interest Accrual",
{"loan": loan.name})
self.assertEqual(flt(loan_interest_accrual.interest_amount, 0),
flt(accrued_interest_amount, 0))
next_start_date = "2019-10-31"
next_end_date = "2019-11-29"
no_of_days = date_diff(next_end_date, next_start_date) + 1
process = process_loan_interest_accrual_for_demand_loans(
posting_date=next_end_date)
new_accrued_interest_amount = (
loan.loan_amount * loan.rate_of_interest *
no_of_days) / (days_in_year(get_datetime(first_date).year) * 100)
total_pending_interest_amount = flt(
accrued_interest_amount + new_accrued_interest_amount, 0)
loan_interest_accrual = frappe.get_doc(
"Loan Interest Accrual", {
"loan": loan.name,
"process_loan_interest_accrual": process
})
self.assertEqual(
flt(loan_interest_accrual.total_pending_interest_amount, 0),
total_pending_interest_amount)
def test_loan_topup_with_additional_pledge(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application(
'_Test Company', self.applicant, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(
self.applicant, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
# Disbursed 10,00,000 amount
make_loan_disbursement_entry(
loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
amounts = calculate_amounts(loan.name, add_days(last_date, 1))
previous_interest = amounts['interest_amount']
pledge1 = [{
"loan_security": "Test Security 1",
"qty": 2000.00
}]
create_loan_security_pledge(self.applicant, pledge1, loan=loan.name)
# Topup 500000
make_loan_disbursement_entry(
loan.name, 500000, disbursement_date=add_days(last_date, 1))
process_loan_interest_accrual_for_demand_loans(
posting_date=add_days(last_date, 15))
amounts = calculate_amounts(loan.name, add_days(last_date, 15))
per_day_interest = get_per_day_interest(1500000, 13.5, '2019-10-30')
interest = per_day_interest * 15
self.assertEquals(amounts['pending_principal_amount'], 1500000)
self.assertEquals(amounts['interest_amount'],
flt(interest + previous_interest, 2))
def test_loan_topup(self):
pledges = []
pledges.append({
"loan_security": "Test Security 1",
"qty": 4000.00,
"haircut": 50,
"loan_security_price": 500.00
})
loan_security_pledge = create_loan_security_pledge(self.applicant, pledges)
loan = create_demand_loan(self.applicant, "Demand Loan", loan_security_pledge.name,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = get_first_day(nowdate())
last_date = get_last_day(nowdate())
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime().year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=add_days(last_date, 1))
# Should not be able to create loan disbursement entry before repayment
self.assertRaises(frappe.ValidationError, make_loan_disbursement_entry, loan.name,
500000, first_date)
repayment_entry = create_repayment_entry(loan.name, self.applicant, add_days(get_last_day(nowdate()), 5),
"Regular Payment", 611095.89)
repayment_entry.submit()
loan.reload()
# After repayment loan disbursement entry should go through
make_loan_disbursement_entry(loan.name, 500000, disbursement_date=add_days(last_date, 16))
def test_loan_interest_accural(self):
pledges = []
pledges.append({
"loan_security": "Test Security 1",
"qty": 4000.00,
"haircut": 50,
"loan_security_price": 500.00
})
loan_security_pledge = create_loan_security_pledge(
self.applicant, pledges)
loan = create_demand_loan(self.applicant,
"Demand Loan",
loan_security_pledge.name,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=first_date)
process_loan_interest_accrual(posting_date=last_date)
loan_interest_accural = frappe.get_doc("Loan Interest Accrual",
{'loan': loan.name})
self.assertEquals(flt(loan_interest_accural.interest_amount, 2),
flt(accrued_interest_amount, 2))
def test_loan(self):
branch = "Test Employee Branch"
applicant = make_employee("*****@*****.**",
company="_Test Company")
company = "_Test Company"
holiday_list = make_holiday("test holiday for loan")
company_doc = frappe.get_doc("Company", company)
if not company_doc.default_payroll_payable_account:
company_doc.default_payroll_payable_account = frappe.db.get_value(
"Account", {
"company": company,
"root_type": "Liability",
"account_type": ""
}, "name")
company_doc.save()
if not frappe.db.exists("Branch", branch):
frappe.get_doc({"doctype": "Branch", "branch": branch}).insert()
employee_doc = frappe.get_doc("Employee", applicant)
employee_doc.branch = branch
employee_doc.holiday_list = holiday_list
employee_doc.save()
salary_structure = "Test Salary Structure for Loan"
make_salary_structure(
salary_structure,
"Monthly",
employee=employee_doc.name,
company="_Test Company",
currency=company_doc.default_currency,
)
if not frappe.db.exists("Loan Type", "Car Loan"):
create_loan_accounts()
create_loan_type(
"Car Loan",
500000,
8.4,
is_term_loan=1,
mode_of_payment="Cash",
disbursement_account="Disbursement Account - _TC",
payment_account="Payment Account - _TC",
loan_account="Loan Account - _TC",
interest_income_account="Interest Income Account - _TC",
penalty_income_account="Penalty Income Account - _TC",
)
loan = create_loan(
applicant,
"Car Loan",
280000,
"Repay Over Number of Periods",
20,
posting_date=add_months(nowdate(), -1),
)
loan.repay_from_salary = 1
loan.submit()
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=add_months(
nowdate(), -1))
process_loan_interest_accrual_for_term_loans(posting_date=nowdate())
dates = get_start_end_dates("Monthly", nowdate())
make_payroll_entry(
company="_Test Company",
start_date=dates.start_date,
payable_account=company_doc.default_payroll_payable_account,
currency=company_doc.default_currency,
end_date=dates.end_date,
branch=branch,
cost_center="Main - _TC",
payment_account="Cash - _TC",
)
name = frappe.db.get_value("Salary Slip", {
"posting_date": nowdate(),
"employee": applicant
}, "name")
salary_slip = frappe.get_doc("Salary Slip", name)
for row in salary_slip.loans:
if row.loan == loan.name:
interest_amount = (280000 * 8.4) / (12 * 100)
principal_amount = loan.monthly_repayment_amount - interest_amount
self.assertEqual(row.interest_amount, interest_amount)
self.assertEqual(row.principal_amount, principal_amount)
self.assertEqual(row.total_payment,
interest_amount + principal_amount)
if salary_slip.docstatus == 0:
frappe.delete_doc("Salary Slip", name)
