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From m...@apache.org
Subject [16/51] [partial] incubator-fineract git commit: initial code push
Date Thu, 28 Jan 2016 05:47:01 GMT
http://git-wip-us.apache.org/repos/asf/incubator-fineract/blob/4b1ec9ef/fineract-provider/src/integrationTest/java/org/apache/fineract/integrationtests/AccountingScenarioIntegrationTest.java
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diff --git a/fineract-provider/src/integrationTest/java/org/apache/fineract/integrationtests/AccountingScenarioIntegrationTest.java b/fineract-provider/src/integrationTest/java/org/apache/fineract/integrationtests/AccountingScenarioIntegrationTest.java
new file mode 100644
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--- /dev/null
+++ b/fineract-provider/src/integrationTest/java/org/apache/fineract/integrationtests/AccountingScenarioIntegrationTest.java
@@ -0,0 +1,1078 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you 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.
+ */
+package org.apache.fineract.integrationtests;
+
+import static org.junit.Assert.assertEquals;
+
+import java.text.DateFormat;
+import java.text.DecimalFormat;
+import java.text.DecimalFormatSymbols;
+import java.text.ParseException;
+import java.text.SimpleDateFormat;
+import java.util.ArrayList;
+import java.util.Calendar;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Locale;
+
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.CommonConstants;
+import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
+import org.apache.fineract.integrationtests.common.Utils;
+import org.apache.fineract.integrationtests.common.accounting.Account;
+import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
+import org.apache.fineract.integrationtests.common.accounting.JournalEntry;
+import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper;
+import org.apache.fineract.integrationtests.common.accounting.PeriodicAccrualAccountingHelper;
+import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
+import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositAccountHelper;
+import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositAccountStatusChecker;
+import org.apache.fineract.integrationtests.common.fixeddeposit.FixedDepositProductHelper;
+import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanStatusChecker;
+import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
+import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositAccountHelper;
+import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositAccountStatusChecker;
+import org.apache.fineract.integrationtests.common.recurringdeposit.RecurringDepositProductHelper;
+import org.apache.fineract.integrationtests.common.savings.SavingsAccountHelper;
+import org.apache.fineract.integrationtests.common.savings.SavingsProductHelper;
+import org.apache.fineract.integrationtests.common.savings.SavingsStatusChecker;
+import org.joda.time.Days;
+import org.joda.time.LocalDate;
+import org.junit.Assert;
+import org.junit.Before;
+import org.junit.Test;
+
+import com.jayway.restassured.builder.RequestSpecBuilder;
+import com.jayway.restassured.builder.ResponseSpecBuilder;
+import com.jayway.restassured.http.ContentType;
+import com.jayway.restassured.specification.RequestSpecification;
+import com.jayway.restassured.specification.ResponseSpecification;
+
+@SuppressWarnings({ "unused", "rawtypes", "unchecked", "static-access" })
+public class AccountingScenarioIntegrationTest {
+
+    private static RequestSpecification requestSpec;
+    private static ResponseSpecification responseSpec;
+
+    private final String DATE_OF_JOINING = "01 January 2011";
+
+    private final Float LP_PRINCIPAL = 10000.0f;
+    private final String LP_REPAYMENTS = "5";
+    private final String LP_REPAYMENT_PERIOD = "2";
+    private final String LP_INTEREST_RATE = "1";
+    private final String EXPECTED_DISBURSAL_DATE = "04 March 2011";
+    private final String LOAN_APPLICATION_SUBMISSION_DATE = "3 March 2011";
+    private final String TRANSACTION_DATE = "01 March 2013";
+    private final String LOAN_TERM_FREQUENCY = "10";
+    private final String INDIVIDUAL_LOAN = "individual";
+    public static final String ACCOUNT_TYPE_INDIVIDUAL = "INDIVIDUAL";
+    public static final String MINIMUM_OPENING_BALANCE = "1000.0";
+    public static final String DEPOSIT_AMOUNT = "7000";
+    public static final String WITHDRAWAL_AMOUNT = "3000";
+    public static final String WITHDRAWAL_AMOUNT_ADJUSTED = "2000";
+
+    Float SP_BALANCE = new Float(MINIMUM_OPENING_BALANCE);
+    Float SP_DEPOSIT_AMOUNT = new Float(DEPOSIT_AMOUNT);
+    Float SP_WITHDRAWAL_AMOUNT = new Float(WITHDRAWAL_AMOUNT);
+    Float SP_WITHDRAWAL_AMOUNT_ADJUSTED = new Float(WITHDRAWAL_AMOUNT_ADJUSTED);
+
+    private final String REPAYMENT_DATE[] = { "", "04 May 2011", "04 July 2011", "04 September 2011", "04 November 2011", "04 January 2012" };
+    private final Float REPAYMENT_AMOUNT[] = { .0f, 2200.0f, 3000.0f, 900.0f, 2000.0f, 2500.0f };
+
+    private final Float AMOUNT_TO_BE_WAIVE = 400.0f;
+    private LoanTransactionHelper loanTransactionHelper;
+    private AccountHelper accountHelper;
+    private JournalEntryHelper journalEntryHelper;
+    private SavingsAccountHelper savingsAccountHelper;
+    private FixedDepositProductHelper fixedDepositProductHelper;
+    private FixedDepositAccountHelper fixedDepositAccountHelper;
+    private RecurringDepositProductHelper recurringDepositProductHelper;
+    private RecurringDepositAccountHelper recurringDepositAccountHelper;
+    private SchedulerJobHelper schedulerJobHelper;
+    private PeriodicAccrualAccountingHelper periodicAccrualAccountingHelper;
+
+    @Before
+    public void setup() {
+        Utils.initializeRESTAssured();
+        this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
+        this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
+        this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
+
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+        this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
+        this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
+        this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec, this.responseSpec);
+        this.periodicAccrualAccountingHelper = new PeriodicAccrualAccountingHelper(this.requestSpec, this.responseSpec);
+    }
+
+    @Test
+    public void checkUpfrontAccrualAccountingFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithUpfrontAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(TOTAL_INTEREST, JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry);
+        System.out.println("CHECKING INCOME: ******************************************");
+        final JournalEntry incomeJournalEntry = new JournalEntry(TOTAL_INTEREST, JournalEntry.TransactionType.CREDIT);
+        this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.EXPECTED_DISBURSAL_DATE, incomeJournalEntry);
+
+        // MAKE 1
+        System.out.println("Repayment 1 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID);
+        final float FIRST_INTEREST = 200.0f;
+        final float FIRST_PRINCIPAL = 2000.0f;
+        float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID);
+        final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(FIRST_INTEREST, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry);
+        System.out.println("Repayment 1 Done......");
+
+        // REPAYMENT 2
+        System.out.println("Repayment 2 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID);
+        final float SECOND_AND_THIRD_INTEREST = 400.0f;
+        final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST;
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID);
+        final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry);
+        System.out.println("Repayment 2 Done ......");
+
+        // WAIVE INTEREST
+        System.out.println("Waive Interest  ......");
+        this.loanTransactionHelper.waiveInterest(this.REPAYMENT_DATE[4], this.AMOUNT_TO_BE_WAIVE.toString(), loanID);
+
+        final JournalEntry waivedEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.CREDIT);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], waivedEntry);
+
+        final JournalEntry expenseJournalEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.DEBIT);
+        this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, this.REPAYMENT_DATE[4], expenseJournalEntry);
+        System.out.println("Waive Interest Done......");
+
+        // REPAYMENT 3
+        System.out.println("Repayment 3 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) };
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry);
+        System.out.println("Repayment 3 Done ......");
+
+        // REPAYMENT 4
+        System.out.println("Repayment 4 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID);
+        final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry);
+        System.out.println("Repayment 4 Done  ......");
+
+        // Repayment 5
+        System.out.println("Repayment 5 ......");
+        final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) };
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID);
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry);
+        System.out.println("Repayment 5 Done  ......");
+    }
+
+    private Integer createLoanProductWithUpfrontAccrualAccountingEnabled(final Account... accounts) {
+        System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth()
+                .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth()
+                .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths()
+                .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRuleUpfrontAccrual(accounts)
+                .build(null);
+        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID) {
+        System.out.println("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
+        final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString())
+                .withLoanTermFrequency(this.LOAN_TERM_FREQUENCY).withLoanTermFrequencyAsMonths().withNumberOfRepayments(this.LP_REPAYMENTS)
+                .withRepaymentEveryAfter(this.LP_REPAYMENT_PERIOD).withRepaymentFrequencyTypeAsMonths()
+                .withInterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestTypeAsFlatBalance()
+                .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
+                .withExpectedDisbursementDate(this.EXPECTED_DISBURSAL_DATE).withSubmittedOnDate(this.LOAN_APPLICATION_SUBMISSION_DATE)
+                .withLoanType(this.INDIVIDUAL_LOAN).build(clientID.toString(), loanProductID.toString(), null);
+        return this.loanTransactionHelper.getLoanId(loanApplicationJSON);
+    }
+
+    @Test
+    public void checkAccountingWithSavingsFlow() {
+        this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
+
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account liabilityAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer savingsProductID = createSavingsProduct(MINIMUM_OPENING_BALANCE, assetAccount, incomeAccount, expenseAccount,
+                liabilityAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer savingsID = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
+
+        HashMap savingsStatusHashMap = SavingsStatusChecker.getStatusOfSavings(this.requestSpec, this.responseSpec, savingsID);
+        SavingsStatusChecker.verifySavingsIsPending(savingsStatusHashMap);
+
+        savingsStatusHashMap = this.savingsAccountHelper.approveSavings(savingsID);
+        SavingsStatusChecker.verifySavingsIsApproved(savingsStatusHashMap);
+
+        savingsStatusHashMap = this.savingsAccountHelper.activateSavings(savingsID);
+        SavingsStatusChecker.verifySavingsIsActive(savingsStatusHashMap);
+
+        // Checking initial Account entries.
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.SP_BALANCE, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(this.SP_BALANCE, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountInitialEntry);
+        this.journalEntryHelper
+                .checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE, liablilityAccountInitialEntry);
+
+        // First Transaction-Deposit
+        this.savingsAccountHelper.depositToSavingsAccount(savingsID, DEPOSIT_AMOUNT, SavingsAccountHelper.TRANSACTION_DATE,
+                CommonConstants.RESPONSE_RESOURCE_ID);
+        Float balance = SP_BALANCE + SP_DEPOSIT_AMOUNT;
+        HashMap summary = this.savingsAccountHelper.getSavingsSummary(savingsID);
+        assertEquals("Verifying Balance after Deposit", balance, summary.get("accountBalance"));
+
+        System.out.println("----------------------Verifying Journal Entry after the Transaction Deposit----------------------------");
+        final JournalEntry[] assetAccountFirstTransactionEntry = { new JournalEntry(this.SP_DEPOSIT_AMOUNT,
+                JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liabililityAccountFirstTransactionEntry = { new JournalEntry(this.SP_DEPOSIT_AMOUNT,
+                JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountFirstTransactionEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE,
+                liabililityAccountFirstTransactionEntry);
+
+        // Second Transaction-Withdrawal
+        this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsID, WITHDRAWAL_AMOUNT, SavingsAccountHelper.TRANSACTION_DATE,
+                CommonConstants.RESPONSE_RESOURCE_ID);
+        balance -= SP_WITHDRAWAL_AMOUNT;
+        summary = this.savingsAccountHelper.getSavingsSummary(savingsID);
+        assertEquals("Verifying Balance after Withdrawal", balance, summary.get("accountBalance"));
+
+        System.out.println("-------------------Verifying Journal Entry after the Transaction Withdrawal----------------------");
+        final JournalEntry[] assetAccountSecondTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT,
+                JournalEntry.TransactionType.CREDIT) };
+        final JournalEntry[] liabililityAccountSecondTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT,
+                JournalEntry.TransactionType.DEBIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountSecondTransactionEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE,
+                liabililityAccountSecondTransactionEntry);
+
+        // Third Transaction-Add Charges for Withdrawal Fee
+        final Integer withdrawalChargeId = ChargesHelper.createCharges(this.requestSpec, this.responseSpec,
+                ChargesHelper.getSavingsWithdrawalFeeJSON());
+        Assert.assertNotNull(withdrawalChargeId);
+
+        this.savingsAccountHelper.addChargesForSavings(savingsID, withdrawalChargeId);
+        ArrayList<HashMap> chargesPendingState = this.savingsAccountHelper.getSavingsCharges(savingsID);
+        Assert.assertEquals(1, chargesPendingState.size());
+        HashMap savingsChargeForPay = chargesPendingState.get(0);
+        HashMap paidCharge = this.savingsAccountHelper.getSavingsCharge(savingsID, (Integer) savingsChargeForPay.get("id"));
+        Float chargeAmount = (Float) paidCharge.get("amount");
+
+        // Withdrawal after adding Charge of type Withdrawal Fee
+        this.savingsAccountHelper.withdrawalFromSavingsAccount(savingsID, WITHDRAWAL_AMOUNT_ADJUSTED,
+                SavingsAccountHelper.TRANSACTION_DATE, CommonConstants.RESPONSE_RESOURCE_ID);
+        summary = this.savingsAccountHelper.getSavingsSummary(savingsID);
+        balance = balance - SP_WITHDRAWAL_AMOUNT_ADJUSTED - chargeAmount;
+
+        final JournalEntry[] liabililityAccountThirdTransactionEntry = {
+                new JournalEntry(chargeAmount, JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.SP_WITHDRAWAL_AMOUNT_ADJUSTED, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] assetAccountThirdTransactionEntry = { new JournalEntry(this.SP_WITHDRAWAL_AMOUNT_ADJUSTED,
+                JournalEntry.TransactionType.CREDIT) };
+        final JournalEntry[] incomeAccountThirdTransactionEntry = { new JournalEntry(chargeAmount, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.TRANSACTION_DATE, assetAccountThirdTransactionEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, this.TRANSACTION_DATE,
+                liabililityAccountThirdTransactionEntry);
+        this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.TRANSACTION_DATE, incomeAccountThirdTransactionEntry);
+
+        // Verifying Balance after applying Charge for Withdrawal Fee
+        assertEquals("Verifying Balance", balance, summary.get("accountBalance"));
+    }
+
+    @Test
+    public void testFixedDepositAccountingFlow() {
+        this.fixedDepositProductHelper = new FixedDepositProductHelper(this.requestSpec, this.responseSpec);
+        this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
+        this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
+        this.fixedDepositAccountHelper = new FixedDepositAccountHelper(this.requestSpec, this.responseSpec);
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US);
+        DateFormat currentDateFormat = new SimpleDateFormat("dd");
+
+        Calendar todaysDate = Calendar.getInstance();
+        todaysDate.add(Calendar.MONTH, -3);
+        final String VALID_FROM = dateFormat.format(todaysDate.getTime());
+        todaysDate.add(Calendar.YEAR, 10);
+        final String VALID_TO = dateFormat.format(todaysDate.getTime());
+
+        todaysDate = Calendar.getInstance();
+        todaysDate.add(Calendar.MONTH, -1);
+        final String SUBMITTED_ON_DATE = dateFormat.format(todaysDate.getTime());
+        final String APPROVED_ON_DATE = dateFormat.format(todaysDate.getTime());
+        final String ACTIVATION_DATE = dateFormat.format(todaysDate.getTime());
+
+        Integer currentDate = new Integer(currentDateFormat.format(todaysDate.getTime()));
+        Integer daysInMonth = todaysDate.getActualMaximum(Calendar.DATE);
+        Integer numberOfDaysLeft = (daysInMonth - currentDate) + 1;
+        todaysDate.add(Calendar.DATE, numberOfDaysLeft);
+        final String INTEREST_POSTED_DATE = dateFormat.format(todaysDate.getTime());
+
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account liabilityAccount = this.accountHelper.createLiabilityAccount();
+
+        Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        Assert.assertNotNull(clientId);
+
+        Integer fixedDepositProductId = createFixedDepositProduct(VALID_FROM, VALID_TO, assetAccount, incomeAccount, expenseAccount,
+                liabilityAccount);
+        Assert.assertNotNull(fixedDepositProductId);
+
+        Integer fixedDepositAccountId = applyForFixedDepositApplication(clientId.toString(), fixedDepositProductId.toString(), VALID_FROM,
+                VALID_TO, SUBMITTED_ON_DATE, FixedDepositTest.WHOLE_TERM);
+        Assert.assertNotNull(fixedDepositAccountId);
+
+        HashMap fixedDepositAccountStatusHashMap = FixedDepositAccountStatusChecker.getStatusOfFixedDepositAccount(this.requestSpec,
+                this.responseSpec, fixedDepositAccountId.toString());
+        FixedDepositAccountStatusChecker.verifyFixedDepositIsPending(fixedDepositAccountStatusHashMap);
+
+        fixedDepositAccountStatusHashMap = this.fixedDepositAccountHelper.approveFixedDeposit(fixedDepositAccountId, APPROVED_ON_DATE);
+        FixedDepositAccountStatusChecker.verifyFixedDepositIsApproved(fixedDepositAccountStatusHashMap);
+
+        fixedDepositAccountStatusHashMap = this.fixedDepositAccountHelper.activateFixedDeposit(fixedDepositAccountId, ACTIVATION_DATE);
+        FixedDepositAccountStatusChecker.verifyFixedDepositIsActive(fixedDepositAccountStatusHashMap);
+
+        HashMap accountSummary = this.fixedDepositAccountHelper.getFixedDepositSummary(fixedDepositAccountId);
+
+        Float depositAmount = (Float) accountSummary.get("totalDeposits");
+
+        // Checking initial Journal entries after Activation.
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, ACTIVATION_DATE, assetAccountInitialEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, ACTIVATION_DATE, liablilityAccountInitialEntry);
+
+        Integer transactionIdForPostInterest = this.fixedDepositAccountHelper.postInterestForFixedDeposit(fixedDepositAccountId);
+        Assert.assertNotNull(transactionIdForPostInterest);
+
+        accountSummary = this.fixedDepositAccountHelper.getFixedDepositSummary(fixedDepositAccountId);
+        Float totalInterestPosted = (Float) accountSummary.get("totalInterestPosted");
+
+        // Checking initial Journal entries after Interest Posting.
+        final JournalEntry[] expenseAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liablilityAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(expenseAccount, INTEREST_POSTED_DATE, expenseAccountEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, INTEREST_POSTED_DATE, liablilityAccountEntry);
+
+    }
+
+    @Test
+    public void testRecurringDepositAccountingFlow() {
+        this.recurringDepositProductHelper = new RecurringDepositProductHelper(this.requestSpec, this.responseSpec);
+        this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
+        this.recurringDepositAccountHelper = new RecurringDepositAccountHelper(this.requestSpec, this.responseSpec);
+
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account liabilityAccount = this.accountHelper.createLiabilityAccount();
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US);
+        DateFormat currentDateFormat = new SimpleDateFormat("dd");
+
+        Calendar todaysDate = Calendar.getInstance();
+        todaysDate.add(Calendar.MONTH, -3);
+        final String VALID_FROM = dateFormat.format(todaysDate.getTime());
+        todaysDate.add(Calendar.YEAR, 10);
+        final String VALID_TO = dateFormat.format(todaysDate.getTime());
+
+        todaysDate = Calendar.getInstance();
+        todaysDate.add(Calendar.MONTH, -1);
+        final String SUBMITTED_ON_DATE = dateFormat.format(todaysDate.getTime());
+        final String APPROVED_ON_DATE = dateFormat.format(todaysDate.getTime());
+        final String ACTIVATION_DATE = dateFormat.format(todaysDate.getTime());
+        final String EXPECTED_FIRST_DEPOSIT_ON_DATE = dateFormat.format(todaysDate.getTime());
+
+        Integer currentDate = new Integer(currentDateFormat.format(todaysDate.getTime()));
+        Integer daysInMonth = todaysDate.getActualMaximum(Calendar.DATE);
+        Integer numberOfDaysLeft = (daysInMonth - currentDate) + 1;
+        todaysDate.add(Calendar.DATE, numberOfDaysLeft);
+        final String INTEREST_POSTED_DATE = dateFormat.format(todaysDate.getTime());
+
+        Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        Assert.assertNotNull(clientId);
+
+        Integer recurringDepositProductId = createRecurringDepositProduct(VALID_FROM, VALID_TO, assetAccount, liabilityAccount,
+                incomeAccount, expenseAccount);
+        Assert.assertNotNull(recurringDepositProductId);
+
+        Integer recurringDepositAccountId = applyForRecurringDepositApplication(clientId.toString(), recurringDepositProductId.toString(),
+                VALID_FROM, VALID_TO, SUBMITTED_ON_DATE, RecurringDepositTest.WHOLE_TERM, EXPECTED_FIRST_DEPOSIT_ON_DATE);
+        Assert.assertNotNull(recurringDepositAccountId);
+
+        HashMap recurringDepositAccountStatusHashMap = RecurringDepositAccountStatusChecker.getStatusOfRecurringDepositAccount(
+                this.requestSpec, this.responseSpec, recurringDepositAccountId.toString());
+        RecurringDepositAccountStatusChecker.verifyRecurringDepositIsPending(recurringDepositAccountStatusHashMap);
+
+        recurringDepositAccountStatusHashMap = this.recurringDepositAccountHelper.approveRecurringDeposit(recurringDepositAccountId,
+                APPROVED_ON_DATE);
+        RecurringDepositAccountStatusChecker.verifyRecurringDepositIsApproved(recurringDepositAccountStatusHashMap);
+
+        recurringDepositAccountStatusHashMap = this.recurringDepositAccountHelper.activateRecurringDeposit(recurringDepositAccountId,
+                ACTIVATION_DATE);
+        RecurringDepositAccountStatusChecker.verifyRecurringDepositIsActive(recurringDepositAccountStatusHashMap);
+
+        HashMap recurringDepositAccountData = this.recurringDepositAccountHelper.getRecurringDepositAccountById(this.requestSpec,
+                this.responseSpec, recurringDepositAccountId);
+        Float depositAmount = (Float) recurringDepositAccountData.get("mandatoryRecommendedDepositAmount");
+
+        Integer depositTransactionId = this.recurringDepositAccountHelper.depositToRecurringDepositAccount(recurringDepositAccountId,
+                depositAmount, EXPECTED_FIRST_DEPOSIT_ON_DATE);
+        Assert.assertNotNull(depositTransactionId);
+
+        // Checking initial Journal entries after Activation.
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liablilityAccountInitialEntry = { new JournalEntry(depositAmount, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, EXPECTED_FIRST_DEPOSIT_ON_DATE, assetAccountInitialEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, EXPECTED_FIRST_DEPOSIT_ON_DATE,
+                liablilityAccountInitialEntry);
+
+        Integer interestPostingTransactionId = this.recurringDepositAccountHelper
+                .postInterestForRecurringDeposit(recurringDepositAccountId);
+        Assert.assertNotNull(interestPostingTransactionId);
+
+        HashMap accountSummary = this.recurringDepositAccountHelper.getRecurringDepositSummary(recurringDepositAccountId);
+        Float totalInterestPosted = (Float) accountSummary.get("totalInterestPosted");
+
+        // Checking initial Journal entries after Interest Posting.
+        final JournalEntry[] expenseAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.DEBIT) };
+        final JournalEntry[] liablilityAccountEntry = { new JournalEntry(totalInterestPosted, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(expenseAccount, INTEREST_POSTED_DATE, expenseAccountEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(liabilityAccount, INTEREST_POSTED_DATE, liablilityAccountEntry);
+
+    }
+
+    public static Integer createSavingsProduct(final String minOpenningBalance, final Account... accounts) {
+        System.out.println("------------------------------CREATING NEW SAVINGS PRODUCT ---------------------------------------");
+        final String savingsProductJSON = new SavingsProductHelper().withInterestCompoundingPeriodTypeAsDaily() //
+                .withInterestPostingPeriodTypeAsQuarterly() //
+                .withInterestCalculationPeriodTypeAsDailyBalance() //
+                .withMinimumOpenningBalance(minOpenningBalance).withAccountingRuleAsCashBased(accounts).build();
+        return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec);
+    }
+
+    private Integer createFixedDepositProduct(final String validFrom, final String validTo, Account... accounts) {
+        System.out.println("------------------------------CREATING NEW FIXED DEPOSIT PRODUCT ---------------------------------------");
+        FixedDepositProductHelper fixedDepositProductHelper = new FixedDepositProductHelper(this.requestSpec, this.responseSpec);
+        final String fixedDepositProductJSON = fixedDepositProductHelper //
+                .withAccountingRuleAsCashBased(accounts).build(validFrom, validTo);
+        return FixedDepositProductHelper.createFixedDepositProduct(fixedDepositProductJSON, requestSpec, responseSpec);
+    }
+
+    private Integer applyForFixedDepositApplication(final String clientID, final String productID, final String validFrom,
+            final String validTo, final String submittedOnDate, final String penalInterestType) {
+        System.out.println("--------------------------------APPLYING FOR FIXED DEPOSIT ACCOUNT --------------------------------");
+        final String fixedDepositApplicationJSON = new FixedDepositAccountHelper(this.requestSpec, this.responseSpec) //
+                .withSubmittedOnDate(submittedOnDate).build(clientID, productID, validFrom, validTo, penalInterestType);
+        return this.fixedDepositAccountHelper
+                .applyFixedDepositApplication(fixedDepositApplicationJSON, this.requestSpec, this.responseSpec);
+    }
+
+    private Integer createRecurringDepositProduct(final String validFrom, final String validTo, Account... accounts) {
+        System.out.println("------------------------------CREATING NEW RECURRING DEPOSIT PRODUCT ---------------------------------------");
+        RecurringDepositProductHelper recurringDepositProductHelper = new RecurringDepositProductHelper(this.requestSpec, this.responseSpec);
+        final String recurringDepositProductJSON = recurringDepositProductHelper //
+                .withAccountingRuleAsCashBased(accounts).build(validFrom, validTo);
+        return RecurringDepositProductHelper.createRecurringDepositProduct(recurringDepositProductJSON, requestSpec, responseSpec);
+    }
+
+    private Integer applyForRecurringDepositApplication(final String clientID, final String productID, final String validFrom,
+            final String validTo, final String submittedOnDate, final String penalInterestType, final String expectedFirstDepositOnDate) {
+        System.out.println("--------------------------------APPLYING FOR RECURRING DEPOSIT ACCOUNT --------------------------------");
+        final String recurringDepositApplicationJSON = new RecurringDepositAccountHelper(this.requestSpec, this.responseSpec)
+                //
+                .withSubmittedOnDate(submittedOnDate).withExpectedFirstDepositOnDate(expectedFirstDepositOnDate)
+                .build(clientID, productID, validFrom, validTo, penalInterestType);
+        return this.recurringDepositAccountHelper.applyRecurringDepositApplication(recurringDepositApplicationJSON, this.requestSpec,
+                this.responseSpec);
+    }
+
+    @Test
+    public void checkPeriodicAccrualAccountingFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry);
+
+        final String jobName = "Add Accrual Transactions";
+        try {
+            this.schedulerJobHelper.executeJob(jobName);
+        } catch (InterruptedException e) {
+            e.printStackTrace();
+        }
+
+        // MAKE 1
+        System.out.println("Repayment 1 ......");
+        final float FIRST_INTEREST = 200.0f;
+        final float FIRST_PRINCIPAL = 2000.0f;
+        final float FEE_PORTION = 0.0f;
+        final float PENALTY_PORTION = 0.0f;
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[1]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID);
+        float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID);
+        final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(FIRST_INTEREST, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry);
+        System.out.println("Repayment 1 Done......");
+
+        // REPAYMENT 2
+        System.out.println("Repayment 2 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID);
+        final float SECOND_AND_THIRD_INTEREST = 400.0f;
+        final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST;
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[2]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[3]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID);
+        final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry);
+        System.out.println("Repayment 2 Done ......");
+
+        // WAIVE INTEREST
+        System.out.println("Waive Interest  ......");
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[4]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[5]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.waiveInterest(this.REPAYMENT_DATE[4], this.AMOUNT_TO_BE_WAIVE.toString(), loanID);
+
+        final JournalEntry waivedEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.CREDIT);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], waivedEntry);
+
+        final JournalEntry expenseJournalEntry = new JournalEntry(this.AMOUNT_TO_BE_WAIVE, JournalEntry.TransactionType.DEBIT);
+        this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, this.REPAYMENT_DATE[4], expenseJournalEntry);
+        System.out.println("Waive Interest Done......");
+
+        // REPAYMENT 3
+        System.out.println("Repayment 3 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) };
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry);
+        System.out.println("Repayment 3 Done ......");
+
+        // REPAYMENT 4
+        System.out.println("Repayment 4 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID);
+        final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry);
+        System.out.println("Repayment 4 Done  ......");
+
+        // Repayment 5
+        System.out.println("Repayment 5 ......");
+        final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) };
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID);
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry);
+        System.out.println("Repayment 5 Done  ......");
+    }
+
+    @Test
+    public void checkPeriodicAccrualAccountingFlow_OVER_PAYMENT() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry);
+
+        final String jobName = "Add Accrual Transactions";
+        try {
+            this.schedulerJobHelper.executeJob(jobName);
+        } catch (InterruptedException e) {
+            e.printStackTrace();
+        }
+
+        // MAKE 1
+        System.out.println("Repayment 1 ......");
+        final float FIRST_INTEREST = 200.0f;
+        final float FIRST_PRINCIPAL = 2000.0f;
+        final float FEE_PORTION = 0.0f;
+        final float PENALTY_PORTION = 0.0f;
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(this.REPAYMENT_DATE[1]), FIRST_INTEREST,
+                FEE_PORTION, PENALTY_PORTION, loanID);
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], 15000f, loanID);
+        float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID);
+        final JournalEntry[] assetAccountEntry = { new JournalEntry(15000f, JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(1000f, JournalEntry.TransactionType.CREDIT), new JournalEntry(10000f, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountEntry);
+        this.journalEntryHelper.checkJournalEntryForLiabilityAccount(overpaymentAccount, this.REPAYMENT_DATE[1], new JournalEntry(4000f,
+                JournalEntry.TransactionType.CREDIT));
+        System.out.println("Repayment  Done......");
+
+    }
+
+    @Test
+    public void checkPeriodicAccrualAccountingTillCurrentDateFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        final float FEE_PORTION = 50.0f;
+        final float PENALTY_PORTION = 100.0f;
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false));
+        Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON(
+                ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true));
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US);
+
+        Calendar todayDate = Calendar.getInstance();
+        final String currentDate = dateFormat.format(todayDate.getTime());
+
+        todayDate.add(Calendar.DATE, -4);
+
+        final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todayDate.getTime());
+
+        todayDate.add(Calendar.MONTH, 2);
+        final String FIRST_REPAYMENT_DATE = dateFormat.format(todayDate.getTime());
+
+        todayDate = Calendar.getInstance();
+        todayDate.add(Calendar.DATE, -2);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(
+                loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate),
+                        dateFormat.format(todayDate.getTime()), String.valueOf(PENALTY_PORTION)));
+        todayDate.add(Calendar.DATE, 1);
+        this.loanTransactionHelper.addChargesForLoan(loanID, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(
+                String.valueOf(flat), dateFormat.format(todayDate.getTime()), String.valueOf(FEE_PORTION)));
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, LOAN_DISBURSEMENT_DATE, assetAccountInitialEntry);
+
+        final String jobName = "Add Periodic Accrual Transactions";
+        try {
+            this.schedulerJobHelper.executeJob(jobName);
+        } catch (InterruptedException e) {
+            e.printStackTrace();
+        }
+
+        final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec,
+                loanID);
+        // MAKE 1
+        List fromDateList = (List) loanSchedule.get(1).get("fromDate");
+        LocalDate fromDateLocal = LocalDate.now();
+        fromDateLocal = fromDateLocal.withYear((int) fromDateList.get(0));
+        fromDateLocal = fromDateLocal.withMonthOfYear((int) fromDateList.get(1));
+        fromDateLocal = fromDateLocal.withDayOfMonth((int) fromDateList.get(2));
+
+        List dueDateList = (List) loanSchedule.get(1).get("dueDate");
+        LocalDate dueDateLocal = LocalDate.now();
+        dueDateLocal = dueDateLocal.withYear((int) dueDateList.get(0));
+        dueDateLocal = dueDateLocal.withMonthOfYear((int) dueDateList.get(1));
+        dueDateLocal = dueDateLocal.withDayOfMonth((int) dueDateList.get(2));
+
+        int totalDaysInPeriod = Days.daysBetween(fromDateLocal, dueDateLocal).getDays();
+
+        float totalInterest = (float) loanSchedule.get(1).get("interestOriginalDue");
+        DecimalFormat numberFormat = new DecimalFormat("#.00", new DecimalFormatSymbols(Locale.US));
+        float INTEREST_4_DAYS = totalInterest / totalDaysInPeriod * 4;
+        INTEREST_4_DAYS = new Float(numberFormat.format(INTEREST_4_DAYS));
+
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(currentDate), INTEREST_4_DAYS, FEE_PORTION,
+                PENALTY_PORTION, loanID);
+
+    }
+
+    @Test
+    public void checkPeriodicAccrualAccountingAPIFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        final float FEE_PORTION = 50.0f;
+        final float PENALTY_PORTION = 100.0f;
+        final float NEXT_FEE_PORTION = 55.0f;
+        final float NEXT_PENALTY_PORTION = 105.0f;
+
+        Integer flat = ChargesHelper.createCharges(requestSpec, responseSpec,
+                ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(FEE_PORTION), false));
+        Integer flatSpecifiedDueDate = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON(
+                ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(PENALTY_PORTION), true));
+
+        Integer flatNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper.getLoanSpecifiedDueDateJSON(
+                ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_FEE_PORTION), false));
+        Integer flatSpecifiedDueDateNext = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper
+                .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(NEXT_PENALTY_PORTION), true));
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy", Locale.US);
+
+        Calendar todayDate = Calendar.getInstance();
+        final String currentDate = dateFormat.format(todayDate.getTime());
+
+        todayDate.add(Calendar.DATE, -4);
+
+        final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todayDate.getTime());
+
+        todayDate.add(Calendar.MONTH, 2);
+        final String FIRST_REPAYMENT_DATE = dateFormat.format(todayDate.getTime());
+
+        todayDate = Calendar.getInstance();
+        todayDate.add(Calendar.DATE, -2);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        this.loanTransactionHelper.addChargesForLoan(
+                loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDate),
+                        dateFormat.format(todayDate.getTime()), String.valueOf(PENALTY_PORTION)));
+        todayDate.add(Calendar.DATE, 1);
+        String runOndate = dateFormat.format(todayDate.getTime());
+
+        this.loanTransactionHelper
+                .addChargesForLoan(
+                        loanID,
+                        LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flat), runOndate,
+                                String.valueOf(FEE_PORTION)));
+
+        todayDate.add(Calendar.DATE, 1);
+        this.loanTransactionHelper.addChargesForLoan(
+                loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatSpecifiedDueDateNext),
+                        dateFormat.format(todayDate.getTime()), String.valueOf(NEXT_PENALTY_PORTION)));
+
+        this.loanTransactionHelper.addChargesForLoan(
+                loanID,
+                LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(flatNext),
+                        dateFormat.format(todayDate.getTime()), String.valueOf(NEXT_FEE_PORTION)));
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, LOAN_DISBURSEMENT_DATE, assetAccountInitialEntry);
+
+        this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOndate);
+
+        final ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec,
+                loanID);
+        // MAKE 1
+        List fromDateList = (List) loanSchedule.get(1).get("fromDate");
+        LocalDate fromDateLocal = LocalDate.now();
+        fromDateLocal = fromDateLocal.withYear((int) fromDateList.get(0));
+        fromDateLocal = fromDateLocal.withMonthOfYear((int) fromDateList.get(1));
+        fromDateLocal = fromDateLocal.withDayOfMonth((int) fromDateList.get(2));
+
+        List dueDateList = (List) loanSchedule.get(1).get("dueDate");
+        LocalDate dueDateLocal = LocalDate.now();
+        dueDateLocal = dueDateLocal.withYear((int) dueDateList.get(0));
+        dueDateLocal = dueDateLocal.withMonthOfYear((int) dueDateList.get(1));
+        dueDateLocal = dueDateLocal.withDayOfMonth((int) dueDateList.get(2));
+
+        int totalDaysInPeriod = Days.daysBetween(fromDateLocal, dueDateLocal).getDays();
+
+        float totalInterest = (float) loanSchedule.get(1).get("interestOriginalDue");
+        DecimalFormat numberFormat = new DecimalFormat("#.00", new DecimalFormatSymbols(Locale.US));
+        float INTEREST_3_DAYS = totalInterest / totalDaysInPeriod * 3;
+        INTEREST_3_DAYS = new Float(numberFormat.format(INTEREST_3_DAYS));
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(runOndate), INTEREST_3_DAYS, FEE_PORTION,
+                PENALTY_PORTION, loanID);
+
+        runOndate = dateFormat.format(todayDate.getTime());
+
+        this.periodicAccrualAccountingHelper.runPeriodicAccrualAccounting(runOndate);
+        float interestPerDay = (totalInterest / totalDaysInPeriod * 4) - INTEREST_3_DAYS;
+        interestPerDay = new Float(numberFormat.format(interestPerDay));
+        this.loanTransactionHelper.checkAccrualTransactionForRepayment(getDateAsLocalDate(runOndate), interestPerDay, NEXT_FEE_PORTION,
+                NEXT_PENALTY_PORTION, loanID);
+
+    }
+
+    private Integer createLoanProductWithPeriodicAccrualAccountingEnabled(final Account... accounts) {
+        System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth()
+                .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth()
+                .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths()
+                .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts)
+                .withDaysInMonth("30").withDaysInYear("365").build(null);
+        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    @Test
+    public void checkCashBasedAccountingFlow() {
+        final Account assetAccount = this.accountHelper.createAssetAccount();
+        final Account incomeAccount = this.accountHelper.createIncomeAccount();
+        final Account expenseAccount = this.accountHelper.createExpenseAccount();
+        final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
+
+        final Integer loanProductID = createLoanProductWithCashBasedAccountingEnabled(assetAccount, incomeAccount, expenseAccount,
+                overpaymentAccount);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec, this.DATE_OF_JOINING);
+        final Integer loanID = applyForLoanApplication(clientID, loanProductID);
+
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(this.EXPECTED_DISBURSAL_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        // CHECK ACCOUNT ENTRIES
+        System.out.println("Entries ......");
+        final float PRINCIPAL_VALUE_FOR_EACH_PERIOD = 2000.0f;
+        final float TOTAL_INTEREST = 1000.0f;
+        final JournalEntry[] assetAccountInitialEntry = { new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.CREDIT),
+                new JournalEntry(this.LP_PRINCIPAL, JournalEntry.TransactionType.DEBIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.EXPECTED_DISBURSAL_DATE, assetAccountInitialEntry);
+
+        // MAKE 1
+        System.out.println("Repayment 1 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[1], this.REPAYMENT_AMOUNT[1], loanID);
+        final float FIRST_INTEREST = 200.0f;
+        final float FIRST_PRINCIPAL = 2000.0f;
+        float expected_value = this.LP_PRINCIPAL - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(1, expected_value, loanID);
+        final JournalEntry[] assetAccountFirstEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[1], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(FIRST_PRINCIPAL, JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[1], assetAccountFirstEntry);
+        System.out.println("CHECKING INCOME: ******************************************");
+        this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.REPAYMENT_DATE[1], new JournalEntry(FIRST_INTEREST,
+                JournalEntry.TransactionType.CREDIT));
+        System.out.println("Repayment 1 Done......");
+
+        // REPAYMENT 2
+        System.out.println("Repayment 2 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[2], this.REPAYMENT_AMOUNT[2], loanID);
+        final float SECOND_AND_THIRD_INTEREST = 400.0f;
+        final float SECOND_PRINCIPAL = this.REPAYMENT_AMOUNT[2] - SECOND_AND_THIRD_INTEREST;
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(2, expected_value, loanID);
+        final JournalEntry[] assetAccountSecondEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[2], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(SECOND_PRINCIPAL, JournalEntry.TransactionType.CREDIT), };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[2], assetAccountSecondEntry);
+        System.out.println("CHECKING INCOME: ******************************************");
+        this.journalEntryHelper.checkJournalEntryForIncomeAccount(incomeAccount, this.REPAYMENT_DATE[2], new JournalEntry(
+                SECOND_AND_THIRD_INTEREST, JournalEntry.TransactionType.CREDIT));
+        System.out.println("Repayment 2 Done ......");
+
+        // WAIVE INTEREST
+        System.out.println("Waive Interest  ......");
+        Integer transactionId = this.loanTransactionHelper.waiveInterestAndReturnTransactionId(this.REPAYMENT_DATE[4],
+                this.AMOUNT_TO_BE_WAIVE.toString(), loanID);
+        // waive of fees and interest are not considered in cash based
+        // accounting,
+        this.journalEntryHelper.ensureNoAccountingTransactionsWithTransactionId("L" + transactionId);
+
+        // REPAYMENT 3
+        System.out.println("Repayment 3 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[3], this.REPAYMENT_AMOUNT[3], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        final JournalEntry[] assetAccountThirdEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[3], JournalEntry.TransactionType.CREDIT) };
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(3, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[3], assetAccountThirdEntry);
+        System.out.println("Repayment 3 Done ......");
+
+        // REPAYMENT 4
+        System.out.println("Repayment 4 ......");
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[4], this.REPAYMENT_AMOUNT[4], loanID);
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(4, expected_value, loanID);
+        final JournalEntry[] assetAccountFourthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[4], JournalEntry.TransactionType.CREDIT) };
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[4], assetAccountFourthEntry);
+        System.out.println("Repayment 4 Done  ......");
+
+        // Repayment 5
+        System.out.println("Repayment 5 ......");
+        final JournalEntry[] assetAccountFifthEntry = { new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.DEBIT),
+                new JournalEntry(this.REPAYMENT_AMOUNT[5], JournalEntry.TransactionType.CREDIT) };
+        expected_value = expected_value - PRINCIPAL_VALUE_FOR_EACH_PERIOD;
+        this.loanTransactionHelper.makeRepayment(this.REPAYMENT_DATE[5], this.REPAYMENT_AMOUNT[5], loanID);
+        this.loanTransactionHelper.verifyRepaymentScheduleEntryFor(5, expected_value, loanID);
+        this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, this.REPAYMENT_DATE[5], assetAccountFifthEntry);
+        System.out.println("Repayment 5 Done  ......");
+    }
+
+    private Integer createLoanProductWithCashBasedAccountingEnabled(final Account... accounts) {
+        System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
+        final String loanProductJSON = new LoanProductTestBuilder().withPrincipal(this.LP_PRINCIPAL.toString()).withRepaymentTypeAsMonth()
+                .withRepaymentAfterEvery(this.LP_REPAYMENT_PERIOD).withNumberOfRepayments(this.LP_REPAYMENTS).withRepaymentTypeAsMonth()
+                .withinterestRatePerPeriod(this.LP_INTEREST_RATE).withInterestRateFrequencyTypeAsMonths()
+                .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRuleAsCashBased(accounts).build(null);
+        return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
+    }
+
+    private LocalDate getDateAsLocalDate(String dateAsString) {
+        LocalDate date = null;
+        try {
+            DateFormat df = new SimpleDateFormat("dd MMMM yyyy", Locale.US);
+            date = new LocalDate(df.parse(dateAsString));
+        } catch (ParseException e) {
+            e.printStackTrace();
+        }
+        return date;
+    }
+
+}


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