feat: Loan booking updates

lending/loan_management/doctype/loan/loan.json

@@ -32,6 +32,7 @@
   "repayment_periods",
   "monthly_repayment_amount",
   "repayment_start_date",
+  "repayment_frequency",
   "is_term_loan",
   "loan_classification_details_section",
   "days_past_due",
@@ -43,6 +44,8 @@
   "tenure_post_restructure",
   "accounting_dimensions_section",
   "cost_center",
+  "loan_charges_section",
+  "loan_charges",
   "account_info",
   "mode_of_payment",
   "disbursement_account",
@@ -474,12 +477,29 @@
    "fieldname": "loan_classification_details_section",
    "fieldtype": "Section Break",
    "label": "Loan Classification Details"
+  },
+  {
+   "fieldname": "repayment_frequency",
+   "fieldtype": "Select",
+   "label": "Repayment Frequency",
+   "options": "Monthly\nDaily\nWeekly\nQuarterly\nOne Time"
+  },
+  {
+   "fieldname": "loan_charges",
+   "fieldtype": "Table",
+   "label": "Loan Charges",
+   "options": "Loan Disbursement Charge"
+  },
+  {
+   "fieldname": "loan_charges_section",
+   "fieldtype": "Section Break",
+   "label": "Loan Charges"
   }
  ],
  "index_web_pages_for_search": 1,
  "is_submittable": 1,
  "links": [],
- "modified": "2023-10-11 13:26:31.406754",
+ "modified": "2023-10-13 19:15:47.245190",
  "modified_by": "Administrator",
  "module": "Loan Management",
  "name": "Loan",

lending/loan_management/doctype/loan/loan.py

@@ -36,6 +36,7 @@ def validate(self):
 		self.validate_accounts()
 		self.check_sanctioned_amount_limit()
 		self.set_cyclic_date()
+		self.set_default_charge_account()
 
 		if self.is_term_loan and not self.is_new():
 			self.update_draft_schedule()
@@ -72,7 +73,10 @@ def validate_cost_center(self):
 				frappe.throw(_("Cost center is mandatory for loans having rate of interest greater than 0"))
 
 	def set_cyclic_date(self):
-		if self.repayment_schedule_type == "Monthly as per cycle date":
+		if (
+			self.repayment_schedule_type == "Monthly as per cycle date"
+			and self.repayment_frequency == "Monthly"
+		):
 			cycle_day, min_days_bw_disbursement_first_repayment = frappe.db.get_value(
 				"Loan Product",
 				self.loan_product,
@@ -89,6 +93,20 @@ def set_cyclic_date(self):
 
 			self.repayment_start_date = cyclic_date
 
+	def set_default_charge_account(self):
+		for charge in self.get("loan_charges"):
+			if not charge.account:
+				account = frappe.get_cached_value(
+					"Loan Charges", {"parent": self.loan_product, "charge_type": charge.charge}, "income_account"
+				)
+
+				if not account:
+					account = frappe.get_cached_value(
+						"Item Default", {"parent": charge.charge, "company": self.company}, "income_account"
+					)
+
+				charge.account = account
+
 	def on_submit(self):
 		self.link_loan_security_pledge()
 		# Interest accrual for backdated term loans
@@ -150,6 +168,7 @@ def make_draft_schedule(self):
 				"loan_product": self.loan_product,
 				"rate_of_interest": self.rate_of_interest,
 				"posting_date": self.posting_date,
+				"repayment_frequency": self.repayment_frequency,
 			}
 		).insert()
 
@@ -169,6 +188,7 @@ def update_draft_schedule(self):
 					"posting_date": self.posting_date,
 					"loan_amount": self.loan_amount,
 					"monthly_repayment_amount": self.monthly_repayment_amount,
+					"repayment_frequency": self.repayment_frequency,
 				}
 			)
 			schedule.save()
@@ -389,16 +409,36 @@ def close_loan(loan, total_amount_paid):
 
 
 @frappe.whitelist()
-def make_loan_disbursement(loan, company, applicant_type, applicant, pending_amount=0, as_dict=0):
+def make_loan_disbursement(
+	loan,
+	disbursement_amount=0,
+	as_dict=0,
+	submit=0,
+	posting_date=None,
+	disbursement_date=None,
+	bank_account=None,
+):
+	loan_doc = frappe.get_doc("Loan", loan)
 	disbursement_entry = frappe.new_doc("Loan Disbursement")
-	disbursement_entry.against_loan = loan
-	disbursement_entry.applicant_type = applicant_type
-	disbursement_entry.applicant = applicant
-	disbursement_entry.company = company
-	disbursement_entry.disbursement_date = nowdate()
-	disbursement_entry.posting_date = nowdate()
-
-	disbursement_entry.disbursed_amount = pending_amount
+	disbursement_entry.against_loan = loan_doc.name
+	disbursement_entry.applicant_type = loan_doc.applicant_type
+	disbursement_entry.applicant = loan_doc.applicant
+	disbursement_entry.company = loan_doc.company
+	disbursement_entry.disbursement_date = posting_date or nowdate()
+	disbursement_entry.posting_date = disbursement_date or nowdate()
+	disbursement_entry.bank_account = bank_account
+
+	disbursement_entry.disbursed_amount = disbursement_amount
+
+	for charge in loan_doc.get("loan_charges"):
+		disbursement_entry.append(
+			"loan_disbursement_charges",
+			{"charge": charge.charge, "amount": charge.amount, "account": charge.account},
+		)
+
+	if submit:
+		disbursement_entry.submit()
+
 	if as_dict:
 		return disbursement_entry.as_dict()
 	else:

lending/loan_management/doctype/loan_charge_reference/loan_charge_reference.json

@@ -7,6 +7,7 @@
  "engine": "InnoDB",
  "field_order": [
   "sales_invoice",
+  "charge",
   "pending_charge_amount",
   "allocated_amount"
  ],
@@ -29,12 +30,19 @@
    "fieldtype": "Currency",
    "in_list_view": 1,
    "label": "Allocated Amount"
+  },
+  {
+   "fieldname": "charge",
+   "fieldtype": "Link",
+   "in_list_view": 1,
+   "label": "Charge",
+   "options": "Item"
   }
  ],
  "index_web_pages_for_search": 1,
  "istable": 1,
  "links": [],
- "modified": "2023-05-16 09:14:13.972294",
+ "modified": "2023-10-11 16:50:15.722251",
  "modified_by": "Administrator",
  "module": "Loan Management",
  "name": "Loan Charge Reference",

lending/loan_management/doctype/loan_disbursement/loan_disbursement.py

@@ -66,6 +66,9 @@ def set_missing_values(self):
 		if not self.posting_date:
 			self.posting_date = self.disbursement_date or nowdate()
 
+		if not self.disbursement_account and self.bank_account:
+			self.disbursement_account = frappe.db.get_value("Bank Account", self.bank_account, "account")
+
 	def withheld_security_deposit(self):
 		if self.withhold_security_deposit:
 			sd = frappe.get_doc(

lending/loan_management/doctype/loan_disbursement_charge/loan_disbursement_charge.json

@@ -35,7 +35,7 @@
  "index_web_pages_for_search": 1,
  "istable": 1,
  "links": [],
- "modified": "2023-10-10 19:47:07.918342",
+ "modified": "2023-10-11 19:47:07.918342",
  "modified_by": "Administrator",
  "module": "Loan Management",
  "name": "Loan Disbursement Charge",

lending/loan_management/doctype/loan_repayment/loan_repayment.json

@@ -11,6 +11,7 @@
   "applicant",
   "loan_product",
   "repayment_type",
+  "select_charge_manually",
   "loan_restructure",
   "column_break_3",
   "company",
@@ -373,12 +374,19 @@
    "label": "Loan Restructure",
    "options": "Loan Restructure",
    "read_only": 1
+  },
+  {
+   "default": "0",
+   "depends_on": "eval:doc.repayment_type == \"Charges Waiver\"",
+   "fieldname": "select_charge_manually",
+   "fieldtype": "Check",
+   "label": "Select Charge Manually"
   }
  ],
  "index_web_pages_for_search": 1,
  "is_submittable": 1,
  "links": [],
- "modified": "2023-10-11 09:25:15.123899",
+ "modified": "2023-10-11 17:45:09.856637",
  "modified_by": "Administrator",
  "module": "Loan Management",
  "name": "Loan Repayment",

lending/loan_management/doctype/loan_repayment_schedule/loan_repayment_schedule.json

@@ -16,6 +16,7 @@
   "adjusted_interest",
   "column_break_n6iy",
   "loan_product",
+  "repayment_frequency",
   "repayment_schedule_type",
   "repayment_method",
   "repayment_periods",
@@ -143,12 +144,18 @@
    "fieldtype": "Link",
    "label": "Company",
    "options": "Company"
+  },
+  {
+   "fieldname": "repayment_frequency",
+   "fieldtype": "Select",
+   "label": "Repayment Frequency",
+   "options": "Monthly\nDaily\nWeekly\nQuarterly\nOne Time"
   }
  ],
  "index_web_pages_for_search": 1,
  "is_submittable": 1,
  "links": [],
- "modified": "2023-10-02 22:14:24.172876",
+ "modified": "2023-10-13 16:55:43.615976",
  "modified_by": "Administrator",
  "module": "Loan Management",
  "name": "Loan Repayment Schedule",

lending/loan_management/doctype/loan_repayment_schedule/loan_repayment_schedule.py

@@ -45,6 +45,7 @@ def make_repayment_schedule(self):
 			interest_amount, principal_amount, balance_amount, total_payment, days = self.get_amounts(
 				payment_date,
 				balance_amount,
+				self.repayment_frequency,
 				schedule_type_details.repayment_schedule_type,
 				schedule_type_details.repayment_date_on,
 				broken_period_interest_days,
@@ -78,11 +79,16 @@ def make_repayment_schedule(self):
 				schedule_type_details.repayment_schedule_type
 				in ["Monthly as per repayment start date", "Monthly as per cycle date"]
 				or schedule_type_details.repayment_date_on == "End of the current month"
-			):
+			) and self.repayment_frequency == "Monthly":
 				next_payment_date = add_single_month(payment_date)
 				payment_date = next_payment_date
+			elif self.repayment_frequency == "Weekly":
+				payment_date = add_days(payment_date, 7)
+			elif self.repayment_frequency == "Daily":
+				payment_date = add_days(payment_date, 1)
+			elif self.repayment_type == "Quarterly":
+				payment_date = add_months(payment_date, 3)
 
-			bmi_days = 0
 			carry_forward_interest = 0
 
 	def validate_repayment_method(self):
@@ -99,36 +105,50 @@ def get_amounts(
 		self,
 		payment_date,
 		balance_amount,
+		repayment_frequency,
 		schedule_type,
 		repayment_date_on,
 		additional_days,
 		carry_forward_interest=0,
 	):
-		if schedule_type == "Monthly as per repayment start date":
+		if repayment_frequency == "Monthly":
+			if schedule_type == "Monthly as per repayment start date":
+				days = 1
+				months = 12
+			else:
+				expected_payment_date = get_last_day(payment_date)
+				if repayment_date_on == "Start of the next month":
+					expected_payment_date = add_days(expected_payment_date, 1)
+
+				if schedule_type == "Monthly as per cycle date":
+					days = date_diff(payment_date, add_months(payment_date, -1))
+					if additional_days < 0:
+						days = date_diff(self.repayment_start_date, self.posting_date)
+						additional_days = 0
+
+					months = 365
+					if additional_days:
+						days += additional_days
+						additional_days = 0
+				elif expected_payment_date == payment_date:
+					# using 30 days for calculating interest for all full months
+					days = 30
+					months = 365
+				else:
+					days = date_diff(get_last_day(payment_date), payment_date)
+					months = 365
+		elif repayment_frequency == "Weekly":
+			days = 7
+			months = 52
+		elif repayment_frequency == "Daily":
 			days = 1
+			months = 365
+		elif repayment_frequency == "Quarterly":
+			days = 3
 			months = 12
-		else:
-			expected_payment_date = get_last_day(payment_date)
-			if repayment_date_on == "Start of the next month":
-				expected_payment_date = add_days(expected_payment_date, 1)
-
-			if schedule_type == "Monthly as per cycle date":
-				days = date_diff(payment_date, add_months(payment_date, -1))
-				if additional_days < 0:
-					days = date_diff(self.repayment_start_date, self.posting_date)
-					additional_days = 0
-
-				months = 365
-				if additional_days:
-					days += additional_days
-					additional_days = 0
-			elif expected_payment_date == payment_date:
-				# using 30 days for calculating interest for all full months
-				days = 30
-				months = 365
-			else:
-				days = date_diff(get_last_day(payment_date), payment_date)
-				months = 365
+		elif repayment_frequency == "One Time":
+			days = date_diff(self.repayment_start_date, self.posting_date)
+			months = 365
 
 		interest_amount = flt(balance_amount * flt(self.rate_of_interest) * days / (months * 100))
 		principal_amount = self.monthly_repayment_amount - flt(interest_amount)