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)