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Summary of changes: 

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Please make sure your tickets that were closed between May 1st, 2024 and Jan 1st, 2025 are tagged with 1.11.0.   



Draft release as of 2025.02.05 — 

## What's Changed
* FINERACT-1971: Fix for allowing null default values for LoanAccountDeliquencyRangeDataV1 avro schema for installment level delinquency info by @galovics in https://github.com/apache/fineract/pull/3673
* FINERACT-1977: 4-eye-principle, maker-checker permission by @marta-jankovics in https://github.com/apache/fineract/pull/3649
* FINERACT-2039: GET Savings API swagger fix by @marta-jankovics in https://github.com/apache/fineract/pull/3675
* FINERACT-1981: Advanced payment allocation validation between Loan pr… by @josehernandezfintecheandomx in https://github.com/apache/fineract/pull/3663
* FINERACT-1971: Fix next payment due date loan delinquent detail by @ruchiD in https://github.com/apache/fineract/pull/3677
* FINERACT-1971: saving account annual fee test fix by @taskain7 in https://github.com/apache/fineract/pull/3684
* FINERACT-1874: Release Apache Fineract 1.9.0 by @vidakovic in https://github.com/apache/fineract/pull/3688
* FINERACT-1971: Fix for not properly resolving delinquency range data for loan in case there's an installment delinquency by @galovics in https://github.com/apache/fineract/pull/3682
* FINERACT-2040: CBR journal entries when loan is charged off fix by @taskain7 in https://github.com/apache/fineract/pull/3683
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/3670
* FINERACT-1971: Transaction summary report fix + handling journal entries for chargeback scenarios by @galovics in https://github.com/apache/fineract/pull/3691
* FINERACT-1971: N plus one installment loan reschedule by @ruchiD in https://github.com/apache/fineract/pull/3651
* FINERACT-2041: totalRepaymentAmount includes down payment transactions by @taskain7 in https://github.com/apache/fineract/pull/3692
* FINERACT-1971: Delinquency evaluation should be happen only for Activ… by @alberto-art3ch in https://github.com/apache/fineract/pull/3689
* FINERACT-1968: Fix overpayment calculation by @adamsaghy in https://github.com/apache/fineract/pull/3695
* FINERACT-1971: Error log when exception happened during batch execution by @adamsaghy in https://github.com/apache/fineract/pull/3697
* FINERACT-2042: Chargeback for down payment transaction by @ruchiD in https://github.com/apache/fineract/pull/3696
* Bump actions/upload-artifact from 4.0.0 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/3694
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/3698
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/3671
* Update actions/upload-artifact digest to a8a3f3a by @renovate-bot in https://github.com/apache/fineract/pull/3669
* FINERACT-1972 Custom Snapshot Event Triggered by COB by @reluxa in https://github.com/apache/fineract/pull/3693
* Bump actions/upload-artifact from 3.1.3 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/3700
* FINERACT-1971: Added installment level delinquency data to LoanAccountDataV1/CollectionDataV1 avro schema by @galovics in https://github.com/apache/fineract/pull/3699
* Bump actions/upload-artifact from 4.2.0 to 4.3.0 by @dependabot in https://github.com/apache/fineract/pull/3704
* FINERACT-2044: Fix spring boot loader PropertyLauncher class not found error by @ruchiD in https://github.com/apache/fineract/pull/3705
* FINERACT-1971 Fixing CORS config by @reluxa in https://github.com/apache/fineract/pull/3706
* FINERACT-1971: remove disableScheduleExtensionForDownPayment by @taskain7 in https://github.com/apache/fineract/pull/3701
* FINERACT-2042 Configurable Allocation Rules for Chargeback Transaction [Persistence layer] by @reluxa in https://github.com/apache/fineract/pull/3710
* FINERACT-1971: Auto down payment disbursement to savings not affecting linked account by @ruchiD in https://github.com/apache/fineract/pull/3709
* FINERACT-1971: Fix Delinquency bucket error upon Loan product editing by @alberto-art3ch in https://github.com/apache/fineract/pull/3712
* FINERACT-1932: Fineract modularization - fineract-savings by @alberto-art3ch in https://github.com/apache/fineract/pull/3703
* FINERACT-2042 Configurable CreditAllocations for Loan Product by @reluxa in https://github.com/apache/fineract/pull/3718
* FINERACT-2040: CBR GL accounts match with Chargeoff GL accounts only … by @taskain7 in https://github.com/apache/fineract/pull/3719
* FINERACT-1932: Fineract modularization - fineract-accounting by @alberto-art3ch in https://github.com/apache/fineract/pull/3716
* Bump gradle/wrapper-validation-action from 342dbebe7272035434f9baccc29a816ec6dd2c7b to 83cf5fdbbf627c8da6fec32f28db58967a3136ac by @dependabot in https://github.com/apache/fineract/pull/3721
* Bump actions/upload-artifact from 4.3.0 to 4.3.1 by @dependabot in https://github.com/apache/fineract/pull/3726
* Update gradle/wrapper-validation-action digest to 83cf5fd by @renovate-bot in https://github.com/apache/fineract/pull/3723
* Update dependency com.puppycrawl.tools:checkstyle to v10.13.0 by @renovate-bot in https://github.com/apache/fineract/pull/3724
* FINERACT-1981: Disbursement on overpaid loan by @adamsaghy in https://github.com/apache/fineract/pull/3725
* FINERACT-1971: Handling inline COB execution before batch API execution outside of the batch transaction by @galovics in https://github.com/apache/fineract/pull/3711
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/3714
* Update actions/upload-artifact digest to a8a3f3a by @renovate-bot in https://github.com/apache/fineract/pull/3713
* FINERACT-1972: Use default date for snapshot event + measure capability by @adamsaghy in https://github.com/apache/fineract/pull/3734
* FINERACT-2040: CBR GL accounts match with Charge off GL accounts if l… by @taskain7 in https://github.com/apache/fineract/pull/3731
* FINERACT-2042 Credit Allocation for Principal and Interest components by @reluxa in https://github.com/apache/fineract/pull/3732
* FINERACT-2054: BadSqlGrammar Error in Loans Awaiting Disbursal Summary Report by @Mariappan-Sivakumar-ZS0528 in https://github.com/apache/fineract/pull/3736
* FINERACT-2035: Client Trend For Day Scale is not work Due to BadSqlGrammar Error by @Mariappan-Sivakumar-ZS0528 in https://github.com/apache/fineract/pull/3735
* Bump gradle/wrapper-validation-action from 83cf5fdbbf627c8da6fec32f28db58967a3136ac to 63d15e7a1e697b1de6f3ba0507106f89100c8518 by @dependabot in https://github.com/apache/fineract/pull/3742
* Bump actions/setup-node from 4.0.1 to 4.0.2 by @dependabot in https://github.com/apache/fineract/pull/3730
* FINERACT-1981: Fix principal due during disbursement on overpaid loan by @adamsaghy in https://github.com/apache/fineract/pull/3738
* FINERACT-1971: Add downpayment to transaction summary report by @adamsaghy in https://github.com/apache/fineract/pull/3745
* FINERACT-2042: Reverse Replay Of Credit Allocations by @reluxa in https://github.com/apache/fineract/pull/3743
* FINERACT-1981: Fix principal due during disbursement on overpaid loan by @adamsaghy in https://github.com/apache/fineract/pull/3747
* Update actions/setup-node digest to 60edb5d by @renovate-bot in https://github.com/apache/fineract/pull/3739
* Bump actions/upload-artifact from 3.1.3 to 4.3.1 by @dependabot in https://github.com/apache/fineract/pull/3728
* FINERACT-1971: Internal server error fix for handling batch API hard locked loan by @galovics in https://github.com/apache/fineract/pull/3744
* FINERACT-1971: Include downpayment as last repayment in Collection data by @adamsaghy in https://github.com/apache/fineract/pull/3748
* FINERACT-1971: Enhanced error logging - Attach stacktrace by @adamsaghy in https://github.com/apache/fineract/pull/3760
* FINERACT-1971: Payment type is not mandatory by @adamsaghy in https://github.com/apache/fineract/pull/3759
* Update dependency com.github.librepdf:openpdf to v2 by @renovate-bot in https://github.com/apache/fineract/pull/3756
* FINERACT-1981: Fix principal due during disbursement on overpaid loan by @adamsaghy in https://github.com/apache/fineract/pull/3758
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/3754
* Update actions/upload-artifact digest to a8a3f3a by @renovate-bot in https://github.com/apache/fineract/pull/3753
* Update gradle/wrapper-validation-action digest to 63d15e7 by @renovate-bot in https://github.com/apache/fineract/pull/3740
* FINERACT-1971: Loan re-aging foundational implementation by @galovics in https://github.com/apache/fineract/pull/3749
* FINERACT-1477: Change the logging level for InsufficientAccountBalanceException in batch job by @GoyalRocks007 in https://github.com/apache/fineract/pull/3708
* Update actions/upload-artifact action to v4 by @renovate-bot in https://github.com/apache/fineract/pull/3755
* FINERACT-1971: Enhanced error logging: Optimistic lock exception handling + log most specific exception by @adamsaghy in https://github.com/apache/fineract/pull/3761
* FINERACT-1960: GL account mappings to use Savings product with Accrua… by @alberto-art3ch in https://github.com/apache/fineract/pull/3752
* FINERACT-1971: Added reamortization foundational work by @galovics in https://github.com/apache/fineract/pull/3763
* FINERACT-1981: Fix down-payment handling on overpaid loan (Advanced payment allocation loan) by @adamsaghy in https://github.com/apache/fineract/pull/3767
* FINERACT-2042: Handling overpayment of chargeback with credit allocations by @reluxa in https://github.com/apache/fineract/pull/3751
* Bump actions/setup-java from 4.0.0 to 4.1.0 by @dependabot in https://github.com/apache/fineract/pull/3769
* FINERACT-1981: Fix down-payment handling on overpaid loan (Advanced payment allocation loan) by @adamsaghy in https://github.com/apache/fineract/pull/3770
* FINERACT-2042: charge-off journal entries if loan is fraud by @taskain7 in https://github.com/apache/fineract/pull/3768
* FINERACT-1981: Fix status change after Disbursement by @adamsaghy in https://github.com/apache/fineract/pull/3773
* FINERACT-1971: Delinquency evaluation should be happen only for Activ… by @alberto-art3ch in https://github.com/apache/fineract/pull/3771
* FINERACT-2056: Introduce Lombok to savings module: interoperation package. by @Pushkal-9 in https://github.com/apache/fineract/pull/3764
* FINERACT-2058: loan can be marked as fraud in any status by @taskain7 in https://github.com/apache/fineract/pull/3772
* FINERACT-1960: Fix savings product validation by @adamsaghy in https://github.com/apache/fineract/pull/3775
* Fineract-1981: Disbursement on overpaid loan cumulative by @adamsaghy in https://github.com/apache/fineract/pull/3774
* FINERACT-1971: Triggering a loan level event during reamortization and reaging by @galovics in https://github.com/apache/fineract/pull/3779
* FINERACT-2042: Chargeback with credit allocation, accounting by @reluxa in https://github.com/apache/fineract/pull/3776
* FINERACT-2061: Introduce lombok implementation to `ReportParameterJoinData` by @Zeyad2003 in https://github.com/apache/fineract/pull/3781
* FINERACT-2024: Fix Overpayment portion miscalculated in CBR reverse-replay by @adamsaghy in https://github.com/apache/fineract/pull/3783
* FINERACT-1971: Properly calculating past due amounts when raising a d… by @galovics in https://github.com/apache/fineract/pull/3785
* FINERACT-2042: chargeback with chargeoff by @reluxa in https://github.com/apache/fineract/pull/3784
* FINERACT-1971: Credited Principal renamed back to credits amount. by @reluxa in https://github.com/apache/fineract/pull/3786
* FINERACT-1971: Adding missing assertion for overpayment portion by @reluxa in https://github.com/apache/fineract/pull/3782
* FINERACT-2060: Validation rules for loan reamortization by @galovics in https://github.com/apache/fineract/pull/3792
* FINERACT-2060: re-amortization by @taskain7 in https://github.com/apache/fineract/pull/3793
* Bump actions/checkout from 4.1.1 to 4.1.2 by @dependabot in https://github.com/apache/fineract/pull/3796
* FINERACT-1971: Fix changed report checksum error by @adamsaghy in https://github.com/apache/fineract/pull/3799
* FINERACT-2065: Fixed length loan configuration by @reluxa in https://github.com/apache/fineract/pull/3800
* FINERACT-2066: Send async event job tuning by @taskain7 in https://github.com/apache/fineract/pull/3798
* Bump actions/setup-java from 4.1.0 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/3801
* FINERACT-1971: Conditional renaming: Credited Principal renamed back to credits amount by @adamsaghy in https://github.com/apache/fineract/pull/3797
* Bump actions/setup-java from 4.2.0 to 4.2.1 by @dependabot in https://github.com/apache/fineract/pull/3802
* FINERACT-2059: Re-aging repayment schedule handling by @adamsaghy in https://github.com/apache/fineract/pull/3807
* FINERACT-2067: fix some typos in `fineract-doc` module. by @Zeyad2003 in https://github.com/apache/fineract/pull/3804
* chore(deps): update actions/checkout digest to b4ffde6 by @renovate-bot in https://github.com/apache/fineract/pull/3805
* FINERACT-2059: Re-aging repayment schedule handling by @adamsaghy in https://github.com/apache/fineract/pull/3809
* FINERACT-1971: Fix loan balance for additional (N+1) installment by @adamsaghy in https://github.com/apache/fineract/pull/3811
* FINERACT-2059: Loan ReAging validations by @galovics in https://github.com/apache/fineract/pull/3810
* FINERACT-1716: Reduce boilerplate code by using @Getter annotation in `CommandWrapper` class. by @Zeyad2003 in https://github.com/apache/fineract/pull/3812
* FINERACT-2068: Loan Status Change History by @reluxa in https://github.com/apache/fineract/pull/3814
* FINERACT-1971: Fixing Loan COB error on startup when Loan COB is disabled by @reluxa in https://github.com/apache/fineract/pull/3815
* Bump gradle/wrapper-validation-action from 63d15e7a1e697b1de6f3ba0507106f89100c8518 to b231772637bb498f11fdbc86052b6e8a8dc9fc92 by @dependabot in https://github.com/apache/fineract/pull/3817
* Bump actions/checkout from 4.1.1 to 4.1.2 by @dependabot in https://github.com/apache/fineract/pull/3813
* FINERACT-1971: Fixing AggregateId of LoanOwnershipTransferBusinessEvent by @reluxa in https://github.com/apache/fineract/pull/3818
* FINERACT-2070: Integrate new test framework by @vidakovic in https://github.com/apache/fineract/pull/3821
* FINERACT-1981: Fix multi-disbursements on same day issue by @adamsaghy in https://github.com/apache/fineract/pull/3822
* Bump actions/setup-java from 4.1.0 to 4.2.1 by @dependabot in https://github.com/apache/fineract/pull/3827
* Bump actions/checkout from 4.1.1 to 4.1.2 by @dependabot in https://github.com/apache/fineract/pull/3828
* FINERACT-1964: Add functionality to calculate maturity amount before creating FD account by @GoyalRocks007 in https://github.com/apache/fineract/pull/3791
* FINERACT-2070: More test cases by @galovics in https://github.com/apache/fineract/pull/3824
* FINERACT-2063: Enable processing of current and past standing instructions on loans by @wkigenyi in https://github.com/apache/fineract/pull/3830
* FINERACT-2070: Further test cases by @galovics in https://github.com/apache/fineract/pull/3831
* FINERACT-1269: (fix) Validate the json we try to deserialize is valid. by @Zeyad2003 in https://github.com/apache/fineract/pull/3803
* FINERACT-2059: Support reverse-replay of Re-age transaction by @adamsaghy in https://github.com/apache/fineract/pull/3832
* FINERACT-2065: Schedule handling for fixed length configuration by @alberto-art3ch in https://github.com/apache/fineract/pull/3808
* FINERACT-1971: Fixing long running COB related tests, improve exec time by 96% by @reluxa in https://github.com/apache/fineract/pull/3835
* FINERACT-2071: Fixing journal entries on buyback by @taskain7 in https://github.com/apache/fineract/pull/3834
* Update actions/checkout digest to b4ffde6 by @renovate-bot in https://github.com/apache/fineract/pull/3820
* fix(deps): update non-major by @renovate-bot in https://github.com/apache/fineract/pull/3780
* FINERACT-2072: Disburse without auto down payment by @taskain7 in https://github.com/apache/fineract/pull/3838
* Bump actions/checkout from 4.1.1 to 4.1.2 by @dependabot in https://github.com/apache/fineract/pull/3837
* FINERACT-2057: JSON deserialization backward compatibility by @reluxa in https://github.com/apache/fineract/pull/3840
* FINERACT-1971: use KeyHolder instead of LASTVAL/LAST_INSERT_ID by @adamsaghy in https://github.com/apache/fineract/pull/3841
* FINERACT-1971: Fix legacy integration test cases for specific holiday by @alberto-art3ch in https://github.com/apache/fineract/pull/3851
* FINERACT-1926: Enhance performance of "Trial balance with Asset owner" report by @adamsaghy in https://github.com/apache/fineract/pull/3848
* FINERACT-2060: Fix balance of reamortization at the event of reverse-replay by @adamsaghy in https://github.com/apache/fineract/pull/3852
* FINERACT-2020:Added currency field to LoanAccountSummaryData, also ad… by @Aboya1417 in https://github.com/apache/fineract/pull/3842
* FINERACT-1932: Fineract modularization - fineract-branch by @alberto-art3ch in https://github.com/apache/fineract/pull/3847
* FINERACT-2042: Fix chargeback on overpaid loan by @adamsaghy in https://github.com/apache/fineract/pull/3855
* FINERACT-1971: Fix loan cob parameter name by @adamsaghy in https://github.com/apache/fineract/pull/3858
* FINERACT-2056: (chore) make use of builder pattern in saving module. by @Zeyad2003 in https://github.com/apache/fineract/pull/3843
* FINERACT-2065: Fix schedule handling with higher fixed length value t… by @alberto-art3ch in https://github.com/apache/fineract/pull/3836
* FINERACT-1971: RepaymentOverDueBusinessEvent should not be sent when … by @alberto-art3ch in https://github.com/apache/fineract/pull/3856
* FINERACT-1971: Fix final accrual in case of waived charge by @adamsaghy in https://github.com/apache/fineract/pull/3862
* FINERACT-1971: Fix marking external events sent in parallel by @adamsaghy in https://github.com/apache/fineract/pull/3864
* FINERACT-2075: refactor classes under `loanproduct` package. by @Zeyad2003 in https://github.com/apache/fineract/pull/3863
* FINERACT-2066: Remove parallelization of external event status update by @adamsaghy in https://github.com/apache/fineract/pull/3865
* FINERACT-1926: Fix No Such Element exception in Asset buyback by @alberto-art3ch in https://github.com/apache/fineract/pull/3859
* FINERACT-1932: Fineract modularization - fineract-document by @alberto-art3ch in https://github.com/apache/fineract/pull/3866
* FINERACT-1971: Fix wrong due date calculation when loan got submitted by @adamsaghy in https://github.com/apache/fineract/pull/3875
* FINERACT-2076: SQL query optimization by @vidakovic in https://github.com/apache/fineract/pull/3871
* FINERACT-1958: Fix repayment schedule generation by @adamsaghy in https://github.com/apache/fineract/pull/3878
* Rollback debug by @IOhacker in https://github.com/apache/fineract/pull/3880
* FINERACT-1971: Down payment (auto) transaction using installment mult… by @alberto-art3ch in https://github.com/apache/fineract/pull/3873
* FINERACT-2070: Remove TestRailId annotations by @adamsaghy in https://github.com/apache/fineract/pull/3883
* FINERACT-1971: Disable delinquency calculation for non active loans by @ruchiD in https://github.com/apache/fineract/pull/3885
* FINERACT-2070: Use generic product names by @adamsaghy in https://github.com/apache/fineract/pull/3884
* FINERACT-1971: Override enableInstallmentLevelDelinquency loan application by @ruchiD in https://github.com/apache/fineract/pull/3886
* FINERACT-1971: Enhancing re-Amortization validation by @ruchiD in https://github.com/apache/fineract/pull/3888
* FINERACT-1971: Enhance validation for installment level delinquency for loan product by @ruchiD in https://github.com/apache/fineract/pull/3889
* Bump actions/upload-artifact from 4.3.1 to 4.3.3 by @dependabot in https://github.com/apache/fineract/pull/3874
* Bump gradle/wrapper-validation-action from 2.1.2 to 3.3.2 by @dependabot in https://github.com/apache/fineract/pull/3877
* Bump actions/checkout from 4.1.2 to 4.1.5 by @dependabot in https://github.com/apache/fineract/pull/3882
* FINERACT-1971: Installment level delinquency for loan modification by @ruchiD in https://github.com/apache/fineract/pull/3890
* FINERACT-1932: Fineract modularization - fineract-rates by @alberto-art3ch in https://github.com/apache/fineract/pull/3893
* FINERACT-2078: Remove hardcoded use of RoundingMode outside of MoneyH… by @borikas in https://github.com/apache/fineract/pull/3891
* FINERACT-2082: Progressive loan schedule type should only support Adv… by @alberto-art3ch in https://github.com/apache/fineract/pull/3892
* FINERACT-2085: Implementation for decrypting database passwords with CLI tooling by @galovics in https://github.com/apache/fineract/pull/3898
* FINERACT-2073: Client search v2 using Client Identifiers by @alberto-art3ch in https://github.com/apache/fineract/pull/3829
* FINERACT-1932: Fineract modularization - fineract-charge by @alberto-art3ch in https://github.com/apache/fineract/pull/3897
* FINERACT-2081: Remove Disable Schedule Extension For DownPayment unus… by @alberto-art3ch in https://github.com/apache/fineract/pull/3899
* FINERACT-2075: Introduce lombok to LoanProduct file by @Zeyad2003 in https://github.com/apache/fineract/pull/3867
* FINERACT-1932: Fineract modularization Fineract progressive loan module by @ruchiD in https://github.com/apache/fineract/pull/3900
* FINERACT-1981: Rate factor using simple interest for EMI calculation by @alberto-art3ch in https://github.com/apache/fineract/pull/3902
* Github Action for DockerHub Publishing by @IOhacker in https://github.com/apache/fineract/pull/3887
* FINERACT-2081: Chargeback reverse replay fails fix by @ruchiD in https://github.com/apache/fineract/pull/3903
* FINERACT-1981: Function Value using simple interest for EMI calculation by @alberto-art3ch in https://github.com/apache/fineract/pull/3904
* Fineract-2081: Add integration test for chargeback on progressive loan by @somasorosdpc in https://github.com/apache/fineract/pull/3907
* FINERACT-2081: Publish docker image only for develop branch and versioned tags by @adamsaghy in https://github.com/apache/fineract/pull/3908
* FINERACT-2089 Upgrade java dependencies/libraries by @IOhacker in https://github.com/apache/fineract/pull/3906
* FINERACT-1971: Accrual for interest bearing loan with charge accrual based on submitted On Date fix by @ruchiD in https://github.com/apache/fineract/pull/3913
* FINERACT-2090: Restructure Loan creation and modification by @adamsaghy in https://github.com/apache/fineract/pull/3909
* FINERACT-1932: Fineract modularization - custom modules by @marta-jankovics in https://github.com/apache/fineract/pull/3921
* FINERACT-1932: Fineract modularization - fineract-loan by @alberto-art3ch in https://github.com/apache/fineract/pull/3914
* FINERACT-2081: Fix linked account validation by @adamsaghy in https://github.com/apache/fineract/pull/3923
* FINERACT-2081: Integration test configuration by @adamsaghy in https://github.com/apache/fineract/pull/3916
* FINERACT-1981: EMI Calculation by @janez89 in https://github.com/apache/fineract/pull/3919
* FINERACT-1971: Wrong GL entries on refund with reverse replay and charge off by @ruchiD in https://github.com/apache/fineract/pull/3925
* FINERACT-2090: Refactor and cleanup Loan entity by @kjozsa in https://github.com/apache/fineract/pull/3924
* FINERACT-2081: Update README.md by @adamsaghy in https://github.com/apache/fineract/pull/3927
* FINERACT-2081: Fix linked account validation by @adamsaghy in https://github.com/apache/fineract/pull/3928
* Fineract-2091: Support for string type primary keys - part 1 - generic Auditable interface by @marta-jankovics in https://github.com/apache/fineract/pull/3922
* Bump actions/checkout from 4.1.2 to 4.1.7 by @dependabot in https://github.com/apache/fineract/pull/3931
* FINERACT-1932: Fineract modularization - fineract-report by @alberto-art3ch in https://github.com/apache/fineract/pull/3930
* FINERACT-2096: Fix duplicate key value exception by @alberto-art3ch in https://github.com/apache/fineract/pull/3933
* FINERACT-2090: Improve Loan Application Reject logic by @ruchiD in https://github.com/apache/fineract/pull/3936
* FINERACT-1932: Fineract modularization - fineract-tax by @alberto-art3ch in https://github.com/apache/fineract/pull/3934
* FINERACT-2090: Restructure Withdraw Loan Application Logic by @ruchiD in https://github.com/apache/fineract/pull/3943
* FINERACT-2092: New transaction type interest payment waiver by @somasorosdpc in https://github.com/apache/fineract/pull/3932
* FINERACT-2090: restructure loan approvals by @kjozsa in https://github.com/apache/fineract/pull/3929
* FINERACT-2081: Upgrade Spring Batch to 5.1.2 version by @alberto-art3ch in https://github.com/apache/fineract/pull/3945
* FINERACT-2081: Fix wrong type in Swagger getLoanIdResponse type by @janez89 in https://github.com/apache/fineract/pull/3949
* FINERACT-1981: EMI Calculation, Daily, Weekly, Monthly support plug to Repayment Schedule by @janez89 in https://github.com/apache/fineract/pull/3946
* FINERACT-2092: Fix adjust transactions handling by @adamsaghy in https://github.com/apache/fineract/pull/3948
* FINERACT-2095: Support for string type primary keys - part 2 - Use String based identifiers for enums by @marta-jankovics in https://github.com/apache/fineract/pull/3937
* FINERACT-2081: Support for string type primary keys - refactor existi… by @marta-jankovics in https://github.com/apache/fineract/pull/3950
* FINERACT-2098: Currency data needed in loan transaction for UI by @alberto-art3ch in https://github.com/apache/fineract/pull/3939
* FINERACT-2099: Initial Liquibase got executed every execution by @marta-jankovics in https://github.com/apache/fineract/pull/3956
* FINERACT-1981: Fix EMI Calculation some special cases by @janez89 in https://github.com/apache/fineract/pull/3954
* FINERACT-2103: refactor the boilerplate code for `ChargeData` class and its affiliate code by @Zeyad2003 in https://github.com/apache/fineract/pull/3955
* FINERACT-2103: refactor boilerplate code under `portfolio` package using Lombok annotations. by @Zeyad2003 in https://github.com/apache/fineract/pull/3953
* FINERACT-2102: Loan Product enableDownPayment overrided in the Loan a… by @alberto-art3ch in https://github.com/apache/fineract/pull/3952
* FINERACT-1981: Adjust EMI if needed by @adamsaghy in https://github.com/apache/fineract/pull/3959
* FINERACT-2104: Accrual Activity Posting for Loans by @somasorosdpc in https://github.com/apache/fineract/pull/3961
* FINERACT-2090: Accruals rework by @ruchiD in https://github.com/apache/fineract/pull/3965
* Bump actions/setup-node from 4.0.2 to 4.0.3 by @dependabot in https://github.com/apache/fineract/pull/3966
* Bump actions/upload-artifact from 4.3.3 to 4.3.4 by @dependabot in https://github.com/apache/fineract/pull/3962
* Bump gradle/wrapper-validation-action from 3.3.2 to 3.4.2 by @dependabot in https://github.com/apache/fineract/pull/3940
* FINERACT-2088: Broken links in README file on Github by @HarimbolaSantatra in https://github.com/apache/fineract/pull/3905
* FINERACT-2081: Loan account data additional fields for summary and de… by @alberto-art3ch in https://github.com/apache/fineract/pull/3957
* FINERACT-2090: restructure loan disbursement by @kjozsa in https://github.com/apache/fineract/pull/3964
* FINERACT-1981: Provide more general EMI calculator interface by @janez89 in https://github.com/apache/fineract/pull/3967
* FINERACT-2104: Accrual Activity Reverse Replay Transaction by @somasorosdpc in https://github.com/apache/fineract/pull/3963
* FINERACT-2102: Loan Product DownPayment attributes overrided in the Loan by @alberto-art3ch in https://github.com/apache/fineract/pull/3968
* FINERACT-2081: Make sure charge paid by association is updated by @adamsaghy in https://github.com/apache/fineract/pull/3971
* FINERACT-2081: fix caching keys at codes cache eviction by @kjozsa in https://github.com/apache/fineract/pull/3972
* FINERACT-2081: Fix delinquent data swagger type by @alberto-art3ch in https://github.com/apache/fineract/pull/3974
* FINERACT-2081: Update Loan data avro schemas with new delinquent fields by @alberto-art3ch in https://github.com/apache/fineract/pull/3975
* FINERACT-1717: Eliminate boilerpalate getter methods within `JsonCommand` class by @Zeyad2003 in https://github.com/apache/fineract/pull/3978
* FINERACT-2104: Accrual Activity Posting Job by @somasorosdpc in https://github.com/apache/fineract/pull/3977
* FINERACT-2081: Add missing fields to Loan product swagger by @adamsaghy in https://github.com/apache/fineract/pull/3981
* FINERACT-2081: Loan account data additional fields for summary by @alberto-art3ch in https://github.com/apache/fineract/pull/3982
* FINERACT-2081: Fix delinquency test by @adamsaghy in https://github.com/apache/fineract/pull/3988
* FINERACT-1716: remove redundant boilerplate code within `CommandSource` class by @Zeyad2003 in https://github.com/apache/fineract/pull/3984
* FINERACT-2107: Interest refund configuration by @adamsaghy in https://github.com/apache/fineract/pull/3987
* FINERACT-2081: Loan account data additional fields for summary, fix negative amount by @alberto-art3ch in https://github.com/apache/fineract/pull/3990
* FINERACT-2081: Transaction summary report fix by @adamsaghy in https://github.com/apache/fineract/pull/3989
* FINERACT-2109: Lib dependencies and versions between modules by @alberto-art3ch in https://github.com/apache/fineract/pull/3985
* FINERACT-2104: Accrual Activity Posting for Closing Events by @somasorosdpc in https://github.com/apache/fineract/pull/3983
* FINERACT-2081: Loan account summary interest refund field by @alberto-art3ch in https://github.com/apache/fineract/pull/3992
* FINERACT-2081: Fix date handling of refund tests cases by @adamsaghy in https://github.com/apache/fineract/pull/3996
* FINERACT-2081: Loan account summary with Unpaid Payable Interest by @alberto-art3ch in https://github.com/apache/fineract/pull/3998
* Revert "FINERACT-2081: Loan account summary with Unpaid Payable Interest" by @adamsaghy in https://github.com/apache/fineract/pull/3999
* FINERACT-2081: Loan account summary with Unpaid Payable Interest by @adamsaghy in https://github.com/apache/fineract/pull/4000
* FINERACT-1694: Upgrade External Business Event Handling by @somasorosdpc in https://github.com/apache/fineract/pull/4001
* FINERACT-2111: Performance issue on Retrieve Loan API - Transactions by @alberto-art3ch in https://github.com/apache/fineract/pull/3997
* FINERACT-2081: fix disburse error scenario by @kjozsa in https://github.com/apache/fineract/pull/4005
* FINERACT-2081: Loan Unpaid Payable Interest fix to include amount paid by @alberto-art3ch in https://github.com/apache/fineract/pull/4006
* FINERACT-2081: fix loan creation validations by @kjozsa in https://github.com/apache/fineract/pull/4013
* FINERACT-1694: Improve Testing of External Business Events by @somasorosdpc in https://github.com/apache/fineract/pull/4012
* FINERACT-2081: loan validation code improvements by @kjozsa in https://github.com/apache/fineract/pull/4014
* FINERACT-1981: Repayment Schedule Interest Model with multi disbursement support by @janez89 in https://github.com/apache/fineract/pull/3991
* FINERACT-2081: clear closed_on date on repayment reversal by @kjozsa in https://github.com/apache/fineract/pull/4018
* FINERACT-2081: fix loan status on CBR reverse by @kjozsa in https://github.com/apache/fineract/pull/4019
* FINERACT-2081: Rework Loan Account data by @adamsaghy in https://github.com/apache/fineract/pull/4023
* FINERACT-2114: Interest Rate Modification - adjust reschedule validation by @janez89 in https://github.com/apache/fineract/pull/4021
* FINERACT-2117: Early and late payment - In advance payment strategy: … by @alberto-art3ch in https://github.com/apache/fineract/pull/4025
* FINERACT-2081: Fix missing application.properties during build issue by @adamsaghy in https://github.com/apache/fineract/pull/4027
* FINERACT-1981: pay-off transaction for progressive loans - Calculate pay-off amount by @kjozsa in https://github.com/apache/fineract/pull/4024
* FINERACT-2107: Loan transaction Interest Refund GL Entries by @alberto-art3ch in https://github.com/apache/fineract/pull/4022
* FINERACT-1981: pay-off transaction for progressive loans by @kjozsa in https://github.com/apache/fineract/pull/4031
* FINERACT-2114  Interest Rate Modification by @janez89 in https://github.com/apache/fineract/pull/4030
* FINERACT-2114: Reschedule validations enhancement by @adamsaghy in https://github.com/apache/fineract/pull/4029
* FINERACT-2081: Loan account approval and disburse validation error co… by @alberto-art3ch in https://github.com/apache/fineract/pull/4028
* FINERACT-2115: Create account transfers validation tests by @dhruvsonagara in https://github.com/apache/fineract/pull/4011
* FINERACT-2114: Reschedule validations enhancement by @adamsaghy in https://github.com/apache/fineract/pull/4033
* FINERACT-2081: fix NPE Loan product creation with null values in Inte… by @alberto-art3ch in https://github.com/apache/fineract/pull/4035
* FINERACT-2081: Make Accrual posting business step optional by @adamsaghy in https://github.com/apache/fineract/pull/4036
* FINERACT-2119: Address jobs by name by @marta-jankovics in https://github.com/apache/fineract/pull/4037
* FINERACT-2081: fix Loan product validation error messages with an ext… by @alberto-art3ch in https://github.com/apache/fineract/pull/4038
* FINERACT-1981: Recalculate Interest For Loan - Business step for COB by @somasorosdpc in https://github.com/apache/fineract/pull/4032
* FINERACT-2119: Address jobs by name - fix liquibase order for custom modules by @marta-jankovics in https://github.com/apache/fineract/pull/4041
* FINERACT-2120: Add new global configuration - enable payment hub integration. by @kaibalya-fynarfin in https://github.com/apache/fineract/pull/4043
* FINERACT-2114: EMI Calculator outstanding balance correction by @janez89 in https://github.com/apache/fineract/pull/4047
* FINERACT-2081: org.eclipse.persistence version 4.0.2 by @marta-jankovics in https://github.com/apache/fineract/pull/4045
* FINERACT-2112: Migrate to the Develocity Gradle Plugin by @clayburn in https://github.com/apache/fineract/pull/4003
* FINERACT-2113: Introduce `setup-gradle` action to GitHub Actions builds by @clayburn in https://github.com/apache/fineract/pull/4004
* FINERACT-2106: fix the misuse of `ToApiJsonSerializer` by @Zeyad2003 in https://github.com/apache/fineract/pull/3970
* Bump actions/upload-artifact from 4.3.4 to 4.4.0 by @dependabot in https://github.com/apache/fineract/pull/4044
* Bump gradle/actions from 3.5.0 to 4.0.1 by @dependabot in https://github.com/apache/fineract/pull/4049
* Bump actions/setup-java from 4.2.1 to 4.2.2 by @dependabot in https://github.com/apache/fineract/pull/4009
* FINERACT-2081: Fix update client identifier by @Jaswanth-Sriram-Veturi in https://github.com/apache/fineract/pull/4008
* Update gradle/wrapper-validation-action digest to f9c9c57 by @renovate-bot in https://github.com/apache/fineract/pull/3995
* Bump actions/setup-java from 4.2.2 to 4.3.0 by @dependabot in https://github.com/apache/fineract/pull/4052
* FINERACT-2114:  fix EMI calc get payment details by @janez89 in https://github.com/apache/fineract/pull/4050
* Update plugin com.github.spotbugs to v6 by @renovate-bot in https://github.com/apache/fineract/pull/3790
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/3845
* FINERACT-2081: Fix backdated multi disbursement on Progressive Loan by @janez89 in https://github.com/apache/fineract/pull/4048
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/3741
* FINERACT-2081: Payments after loan charge - COB accrual issue by @marta-jankovics in https://github.com/apache/fineract/pull/4054
* FINERACT-1981: pay off schedule handling by @kjozsa in https://github.com/apache/fineract/pull/4053
* Bump gradle/actions from 4.0.1 to 4.1.0 by @dependabot in https://github.com/apache/fineract/pull/4055
* Update dependency com.google.errorprone:error_prone_core to v2.32.0 by @renovate-bot in https://github.com/apache/fineract/pull/4059
* FINERACT-2114: show interest rate change in business events by @magyari-adam in https://github.com/apache/fineract/pull/4062
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/4058
* FINERACT-1981: fix pay-off for TILL_REST_FREQUENCY_DATE by @kjozsa in https://github.com/apache/fineract/pull/4063
* FINERACT-2067: NPE business date partition step COB by @kulminsky in https://github.com/apache/fineract/pull/4056
* FINERACT-1981: Interest recalculation progressive loan by @somasorosdpc in https://github.com/apache/fineract/pull/4051
* FINERACT-2081: fix last installment marking on pay-off by @kjozsa in https://github.com/apache/fineract/pull/4064
* Bump actions/setup-node from 4.0.3 to 4.0.4 by @dependabot in https://github.com/apache/fineract/pull/4068
* FINERACT-2081: Payments after loan charge - payment allocation by @marta-jankovics in https://github.com/apache/fineract/pull/4067
* FINERACT-2081: Validation error in mandatory loan account parameters by @alberto-art3ch in https://github.com/apache/fineract/pull/4042
* FINERACT-2081: Improve transaction summary with asset owner report by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4065
* FINERACT-1968: Remove WIP tags from advanced-payment-allocation.adoc by @adamsaghy in https://github.com/apache/fineract/pull/4073
* FINERACT-2081: Skip loan processing if no overdue by @kulminsky in https://github.com/apache/fineract/pull/4066
* FINERACT-2081: downgrade Develocity for ge.apache.org compatibility by @kjozsa in https://github.com/apache/fineract/pull/4074
* FINERACT-1981: Interest recalculation - Progressive Loan Late Repayment Test Cases by @somasorosdpc in https://github.com/apache/fineract/pull/4082
* Fineract 2081: Enhance technical documentation by @Napho in https://github.com/apache/fineract/pull/4077
* FINERACT-1981: interest recalculation fix for overdue cases by @kjozsa in https://github.com/apache/fineract/pull/4084
* FINERACT-2081: Fix progressive loan schedule for non-yearly interest rates by @magyari-adam in https://github.com/apache/fineract/pull/4085
* FINERACT-2081: Fetch configurations by name by @adamsaghy in https://github.com/apache/fineract/pull/4057
* FINERACT-2134: Missing charge paid by references and journal entries for disbursement occuring accruals by @galovics in https://github.com/apache/fineract/pull/4086
* Bump actions/checkout from 4.1.7 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/4076
* Bump actions/setup-java from 4.3.0 to 4.4.0 by @dependabot in https://github.com/apache/fineract/pull/4072
* FINERACT-1981: Fix loan transaction relationship by @adamsaghy in https://github.com/apache/fineract/pull/4089
* Update dependency org.eclipse.jgit:org.eclipse.jgit.ssh.apache to v7 by @renovate-bot in https://github.com/apache/fineract/pull/4080
* Bump actions/checkout from 4.2.0 to 4.2.1 by @dependabot in https://github.com/apache/fineract/pull/4092
* Bump actions/upload-artifact from 4.4.0 to 4.4.1 by @dependabot in https://github.com/apache/fineract/pull/4091
* FINERACT-1981: Fix progressive loan undo previous repayment by @magyari-adam in https://github.com/apache/fineract/pull/4090
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/4069
* Bump actions/upload-artifact from 4.4.1 to 4.4.2 by @dependabot in https://github.com/apache/fineract/pull/4093
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/4070
* Bump actions/upload-artifact from 4.4.2 to 4.4.3 by @dependabot in https://github.com/apache/fineract/pull/4094
* FINERACT-2081: Add all loan term validations to loan details by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4088
* FINERACT-1221 Fix Client SDK Broken Methods by @henriquepaes1 in https://github.com/apache/fineract/pull/4078
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/4097
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/4096
* FINERACT-1981: Separate library to generate loan schedule by @kulminsky in https://github.com/apache/fineract/pull/4087
* FINERACT-1981: Interest Bearing loan - EMI calculation rework by @janez89 in https://github.com/apache/fineract/pull/4099
* FINERACT-2081: Include Interest waiver and Interest refund transaction in Transaction summary with asset owner report by @adamsaghy in https://github.com/apache/fineract/pull/4101
* FINERACT-1981: EMI Calculator - performance optimization by @janez89 in https://github.com/apache/fineract/pull/4103
* FINERACT-1981: Progressive loan enable backdated transactions by @kjozsa in https://github.com/apache/fineract/pull/4106
* FINERACT-2142: Journal entries are created for accrual disbursement fees by @galovics in https://github.com/apache/fineract/pull/4104
* FINERACT-1981: Fix Better EMI check in EMI Calculator by @janez89 in https://github.com/apache/fineract/pull/4108
* FINERACT-2107: Interest Refund - Allocation, Business Event & Full Refund cases by @somasorosdpc in https://github.com/apache/fineract/pull/4098
* Update dependency org.jetbrains.kotlin:kotlin-bom to v2 by @renovate-bot in https://github.com/apache/fineract/pull/4113
* FINERACT-2081: fix incorrect exception type by @marta-jankovics in https://github.com/apache/fineract/pull/4114
* FINERACT-1981: Remove hardcoded MoneyHelper dependency during progressive loan by @kulminsky in https://github.com/apache/fineract/pull/4109
* FINERACT-2081: fix integrationtest init by @marta-jankovics in https://github.com/apache/fineract/pull/4115
* Bump actions/checkout from 4.2.1 to 4.2.2 by @dependabot in https://github.com/apache/fineract/pull/4120
* FINERACT-1876: Add missing fields into the LoanAccountDataV1 avro schema by @magyari-adam in https://github.com/apache/fineract/pull/4118
* FINERACT-1981: Enable backdated Interest Payment Waiver on progressive loans by @magyari-adam in https://github.com/apache/fineract/pull/4119
* FINERACT-1981: Fix 2nd disburse on repayment due date results wrong EMI by @janez89 in https://github.com/apache/fineract/pull/4117
* FINERACT-2107: Extract Merchant issued refund and Payout refund handling by @adamsaghy in https://github.com/apache/fineract/pull/4121
* FINERACT-1981: skip interest when activities are on same day by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4107
* FINERACT-1981: loan pay off test on disbursement date by @magyari-adam in https://github.com/apache/fineract/pull/4123
* FINERACT-1981: Generate loan schedule as dto by @adamsaghy in https://github.com/apache/fineract/pull/4126
* Bump actions/setup-node from 4.0.4 to 4.1.0 by @dependabot in https://github.com/apache/fineract/pull/4124
* Bump actions/setup-java from 4.4.0 to 4.5.0 by @dependabot in https://github.com/apache/fineract/pull/4125
* FINERACT-2081: Handle unauthenticated requests in LoanCOBApiFilter by @leksinomi in https://github.com/apache/fineract/pull/4122
* FINERACT-2081: Fix reversal of loan accruals when loan repayment got reversed by @alberto-art3ch in https://github.com/apache/fineract/pull/4100
* FINERACT-2107: Fix incorrect refund transaction reverse-replay by @adamsaghy in https://github.com/apache/fineract/pull/4129
* FINERACT-2114: Interest rate modification - Advanced payment allocation processor support by @janez89 in https://github.com/apache/fineract/pull/4130
* FINERACT-1981: Pay-off does not consider the overdue installments by @kulminsky in https://github.com/apache/fineract/pull/4132
* FINERACT-2081: Update mariaDB version by @meonkeys in https://github.com/apache/fineract/pull/4131
* FINERACT-2107: Merchant issued refund linked to related interest refund by @magyari-adam in https://github.com/apache/fineract/pull/4133
* FINERACT-2107: Interest Refund - Partial Refund cases by @somasorosdpc in https://github.com/apache/fineract/pull/4116
* FINERACT-2081: Code quality, eliminate duplicated methods, use utility by @marta-jankovics in https://github.com/apache/fineract/pull/4137
* FINERACT-1981: revise last installment payment strategy by @kjozsa in https://github.com/apache/fineract/pull/4136
* FINERACT-2079: Rectify query for cashier transactions by @wkigenyi in https://github.com/apache/fineract/pull/3881
* FINERACT-1981: When paying down payment, that should not be reflected on the InterestModel by @kulminsky in https://github.com/apache/fineract/pull/4139
* FINERACT-2107: Interest Refund - Multiple partial cases by @somasorosdpc in https://github.com/apache/fineract/pull/4135
* FINERACT-2144: Fix DepositApiConstant names by @wkigenyi in https://github.com/apache/fineract/pull/4138
* FINERACT-1981: Enhance EMI Calculator Daily Interest calculation by @janez89 in https://github.com/apache/fineract/pull/4140
* FINERACT-2081: Fix WholeTerm loan frequency saved on account level by @alberto-art3ch in https://github.com/apache/fineract/pull/4142
* FINERACT-1981: Prepayment calculation by @adamsaghy in https://github.com/apache/fineract/pull/4143
* FINERACT-2070: E2E testcase migration by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4146
* FINERACT-2107: Allow interest rate change on fully paid installment for Progressive loans by @leksinomi in https://github.com/apache/fineract/pull/4147
* FINERACT-2070: E2E testcase migration - feature files - pt2 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4149
* FINERACT-2070: E2E testcase migration - feature files - pt4 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4151
* FINERACT-2107: update related relationship for interest refund transaction by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4145
* FINERACT-2114: Align recalculated EMI after Interest Rate change by @janez89 in https://github.com/apache/fineract/pull/4153
* FINERACT-2070: Update configuration: enable business event validations by @adamsaghy in https://github.com/apache/fineract/pull/4156
* FINERACT-2070: E2E testcase migration - feature files - pt1 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4148
* FINERACT-2070: E2E testcase migration - feature files - pt3 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4150
* FINERACT-2070: E2E testcase migration - feature files - pt5 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4152
* FINERACT-2081: Update password policy by @leksinomi in https://github.com/apache/fineract/pull/4141
* FINERACT-2081: Fix inconsistent transaction processing order by @adamsaghy in https://github.com/apache/fineract/pull/4157
* Update all non-major dependencies by @renovate-bot in https://github.com/apache/fineract/pull/4110
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/4111
* Bump gradle/actions from 4.1.0 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/4161
* FINERACT-2107: Adjust event trigger on refund reversion by @leksinomi in https://github.com/apache/fineract/pull/4162
* FINERACT-2070: E2E testcase migration - feature files - pt6 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4163
* FINERACT-2107: Interest Refund - Transaction Amount Recalculation by @somasorosdpc in https://github.com/apache/fineract/pull/4154
* FINERACT-1806: Add charge-off reasons to loan product response by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4159
* FINERACT-2081: External event sending enhance findBy query by @magyari-adam in https://github.com/apache/fineract/pull/4165
* FINERACT-1981: Fix Charge Creation After Maturity Date on Interest Bearing Progressive Loan by @somasorosdpc in https://github.com/apache/fineract/pull/4166
* Update non-major by @renovate-bot in https://github.com/apache/fineract/pull/4167
* Update dependency ubuntu to v24 by @renovate-bot in https://github.com/apache/fineract/pull/4169
* Update mysql Docker tag to v9 by @renovate-bot in https://github.com/apache/fineract/pull/4170
* Bump gradle/actions from 4.2.0 to 4.2.1 by @dependabot in https://github.com/apache/fineract/pull/4174
* FINERACT-2147: fix extra swagger UI endpoint paths by @meonkeys in https://github.com/apache/fineract/pull/4173
* FINERACT-2081: External event sending make mark as sent async by @magyari-adam in https://github.com/apache/fineract/pull/4164
* FINERACT-2114: Fix EMI adjustment when Interest Rate change has with Early Repayment Adjust Last case by @janez89 in https://github.com/apache/fineract/pull/4175
* FINERACT-1806: Charge-off Expense Accounting entries based on charge-off reason instead of fraud flag by @kulminsky in https://github.com/apache/fineract/pull/4144
* FINERACT-2081: Remove duplicate LoanTestLifecycleExtension annotations by @adamsaghy in https://github.com/apache/fineract/pull/4179
* FINERACT-2070: E2E test synchronization 2024-11-22 by @peter-kovacs-dpc in https://github.com/apache/fineract/pull/4181
* FINERACT-1981: Fix interest refund transaction with zero amount by @janez89 in https://github.com/apache/fineract/pull/4182
* FINERACT-2070: COB business step order by @adamsaghy in https://github.com/apache/fineract/pull/4183
* FINERACT-2150: disbursement not allowed on charged-off loan by @magyari-adam in https://github.com/apache/fineract/pull/4180
* FINERACT-2081: async liquibase by @magyari-adam in https://github.com/apache/fineract/pull/4178
* Update plugin net.ltgt.errorprone to v4 by @renovate-bot in https://github.com/apache/fineract/pull/4185
* FINERACT-2081: Add "Interest Refund" transaction into r_enum_value table by @adamsaghy in https://github.com/apache/fineract/pull/4186
* FINERACT-2081: Refactor GL account balance calculation by @adamsaghy in https://github.com/apache/fineract/pull/4189
* FINERACT-2081: Enable inline COB execution for locked loans by @alberto-art3ch in https://github.com/apache/fineract/pull/4171
* FINERACT-2148: loan charge off behaviour configuration by @magyari-adam in https://github.com/apache/fineract/pull/4192
* FINERACT-1806: fetch loan product details must return the chargeoffreason mapping by @kulminsky in https://github.com/apache/fineract/pull/4187
* FINERACT-2149: disable liquibase phone home by @meonkeys in https://github.com/apache/fineract/pull/4177
* FINERACT-1981: Reverse Interest Refund transaction not allowed directly by @alberto-art3ch in https://github.com/apache/fineract/pull/4193
* FINERACT-2153: Enable immediate charge accrual creation post maturity by @leksinomi in https://github.com/apache/fineract/pull/4188
* FINERACT-1981: Update Payable Interest Calculation For LoanSummaryData by @somasorosdpc in https://github.com/apache/fineract/pull/4176
* FINERACT-2081: Update logger level for E2E tests by @adamsaghy in https://github.com/apache/fineract/pull/4194
* FINERACT-1981: Introduce Interest should not be calculated on past due principal amount by @janez89 in https://github.com/apache/fineract/pull/4191
* FINERACT-2148: return loan charge off behaviour with loan details by @magyari-adam in https://github.com/apache/fineract/pull/4197
* FINERACT-1981: Reverse Interest Refund transaction not allowed direct… by @alberto-art3ch in https://github.com/apache/fineract/pull/4199
* FINERACT-2060: Accrual reverse replay logic and Handling by @marta-jankovics in https://github.com/apache/fineract/pull/4158
* FINERACT-2081: Retrieving Loan Product details with invalid external-… by @alberto-art3ch in https://github.com/apache/fineract/pull/4198
* FINERACT-2154: Store "Pre-close interest calculation strategy" on loan level by @adamsaghy in https://github.com/apache/fineract/pull/4196
* FINERACT-1981: COB/Inline COB fails while creating accruals for a ove… by @marta-jankovics in https://github.com/apache/fineract/pull/4200
* Update plugin org.sonarqube to v6 by @renovate-bot in https://github.com/apache/fineract/pull/4203
* Update postgres Docker tag to v17 by @renovate-bot in https://github.com/apache/fineract/pull/4204
* FINERACT-1926: Additional indices to investor tables by @magyari-adam in https://github.com/apache/fineract/pull/4205
* FINERACT-1806: Advanced Charge-off Expense Accounting - "Advanced Accounting Rule" takes priority (if configured) by @kulminsky in https://github.com/apache/fineract/pull/4190
* FINERACT-2080: move validations from loan entity to own validator classes by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4172
* FINERACT-2148: Backdated Charge-off with interest recalculation by @adamsaghy in https://github.com/apache/fineract/pull/4208
* FINERACT-2081: Remove skip tag E2E test case C2501 by @alberto-art3ch in https://github.com/apache/fineract/pull/4210
* FINERACT-1981: fix post maturity charge removed by cob on progressive loan by @magyari-adam in https://github.com/apache/fineract/pull/4209
* FINERACT-2148: Add test for charge-off accruals by @magyari-adam in https://github.com/apache/fineract/pull/4206
* FINERACT-1971: update installment accrued portions on charge accrual by @magyari-adam in https://github.com/apache/fineract/pull/4213
* FINERACT-1981: Embeddable Progressive Loan Schedule generator by @janez89 in https://github.com/apache/fineract/pull/4212
* FINERACT-2081: Avoid creating unnecessary connection pools by @galovics in https://github.com/apache/fineract/pull/4216
* FINERACT-2081: Refactor - Simplify `LoanSchedulePeriodData.java` class by @adamsaghy in https://github.com/apache/fineract/pull/4214
* FINERACT-2081: Consider read-only all the transactions when the connection is read-only by @adamsaghy in https://github.com/apache/fineract/pull/4217
* FINERACT-2159: Revert "Update plugin org.sonarqube to v6" by @vorburger in https://github.com/apache/fineract/pull/4219
* Fix broken "Badges" on README by @vorburger in https://github.com/apache/fineract/pull/4218
* FINERACT-2060: Progressive loan - final accrual calculation on closed… by @marta-jankovics in https://github.com/apache/fineract/pull/4220
* FINERACT-2148: update instalments interest with zero after charge off with interest recalculation enabled by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4207
* FINERACT-2081: Update Trial Balance Summary Report with Year end retaining by @adamsaghy in https://github.com/apache/fineract/pull/4224
* FINERACT-2081: Refactor LoanSummaryWrapper by @leksinomi in https://github.com/apache/fineract/pull/4225
* FINERACT-1971: Fix boolean values used in Loan product charge-off rea… by @alberto-art3ch in https://github.com/apache/fineract/pull/4221
* FINERACT-2081: Support read-only transactions via Batch API by @adamsaghy in https://github.com/apache/fineract/pull/4226
* Bump gradle/actions from 4.2.1 to 4.2.2 by @dependabot in https://github.com/apache/fineract/pull/4229
* Bump actions/upload-artifact from 4.4.3 to 4.5.0 by @dependabot in https://github.com/apache/fineract/pull/4230
* Bump actions/setup-java from 4.5.0 to 4.6.0 by @dependabot in https://github.com/apache/fineract/pull/4231
* FINERACT-1806: Rework Product to GL account mapping and fix charge-off reason typos by @adamsaghy in https://github.com/apache/fineract/pull/4228
* FINERACT-1806: Unify Charge-off reason mapping fields by @adamsaghy in https://github.com/apache/fineract/pull/4232
* FINERACT-2152: API Create and retrieve interest pause by @kulminsky in https://github.com/apache/fineract/pull/4222
* FINERACT-2081: Fix "Connection is not available, request timed out after 30000ms" issue of "read-only" check by @adamsaghy in https://github.com/apache/fineract/pull/4233
* FINERACT-2148: Process monetary transaction after zero interest charge off  by @mariiaKraievska in https://github.com/apache/fineract/pull/4236
* FINERACT-2148: Zero interest charge off, interestRecalculation = false and fix installment`s update after zero interest charge-off transaction by @mariiaKraievska in https://github.com/apache/fineract/pull/4237
* FINERACT-2148: Add 'Accelerate maturity' charge-off behaviour option by @leksinomi in https://github.com/apache/fineract/pull/4195
* FINERACT-2148: Resolve rounding issue in interest period calculation by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4239
* FINERACT-1806: Advanced accounting - Charge-off reason by @adamsaghy in https://github.com/apache/fineract/pull/4241
* FINERACT-2148: Stop recalculating interest if the loan is charged-off by @alberto-art3ch in https://github.com/apache/fineract/pull/4234
* FINERACT-1971: Fix Accrual Activity reversal on Progressive interest … by @somasorosdpc in https://github.com/apache/fineract/pull/4242
* FINERACT-1806: Fix mapping to handle multiple loan product configuration by @adamsaghy in https://github.com/apache/fineract/pull/4243
* FINERACT-2152: API update and delete interest pause by @kulminsky in https://github.com/apache/fineract/pull/4235
* FINERACT-2081: Transaction Summary Report with aggregated accrual & accrual adjustment by @adamsaghy in https://github.com/apache/fineract/pull/4249
* FINERACT-2152: Loan term variations audit fields by @adamsaghy in https://github.com/apache/fineract/pull/4252
* FINERACT-2081: Add missing index on GL annual summary table and table for MySql/Mariadb by @adamsaghy in https://github.com/apache/fineract/pull/4250
* FINERACT-2166: Expose tenant connection pool metrics by @galovics in https://github.com/apache/fineract/pull/4256
* Bump actions/upload-artifact from 4.5.0 to 4.6.0 by @dependabot in https://github.com/apache/fineract/pull/4257
* FINERACT-1971: Fix EMI Calculator: Last Unpaid Repayment Period Handling by @somasorosdpc in https://github.com/apache/fineract/pull/4251
* FINERACT-2081: Make MeterRegistry optional by @adamsaghy in https://github.com/apache/fineract/pull/4258
* FINERACT-2081: Make MeterRegistry optional by @adamsaghy in https://github.com/apache/fineract/pull/4259
* FINERACT-2081: Ability to assign settlement information to loan product when asset is externally owned by @galovics in https://github.com/apache/fineract/pull/4253
* FINERACT-1971: Fix EMI Calculator - Reamortization by @somasorosdpc in https://github.com/apache/fineract/pull/4262
* FINERACT-1971: Event sequence id int overflow by @kulminsky in https://github.com/apache/fineract/pull/4263
* FINERACT-2060: Negative amount for Accrual Activity by @marta-jankovics in https://github.com/apache/fineract/pull/4264
* FINERACT-1981: Enhance EMI Adjustment by @janez89 in https://github.com/apache/fineract/pull/4254
* FINERACT-2081: Fix date bug in saving account test by @janez89 in https://github.com/apache/fineract/pull/4267
* FINERACT-1971: external_id column of accrual activity transaction gets updated to null when an accrual activity is reversed by @kulminsky in https://github.com/apache/fineract/pull/4246
* FINERACT-1971: update and delete interest pause by external id by @kulminsky in https://github.com/apache/fineract/pull/4266
* FINERACT-1971: Verify Loan Charge Adjustment Business event's content by @somasorosdpc in https://github.com/apache/fineract/pull/4268
* FINERACT-1981:  fix interest multi disbursement by @janez89 in https://github.com/apache/fineract/pull/4260
* FINERACT-2148: Accelerate maturity to charge-off date when a regular/backdated repayment or other monetary activity occurs before/after the charge-off date by @mariiaKraievska in https://github.com/apache/fineract/pull/4269
* FINERACT-2152: Fix Invalid Loan term variation type on Interest Pause… by @alberto-art3ch in https://github.com/apache/fineract/pull/4276
* FINERACT-1981: fix progressive installment reschedule by @magyari-adam in https://github.com/apache/fineract/pull/4275
* FINERACT-2152: fix overlapping for update interest pause by @kulminsky in https://github.com/apache/fineract/pull/4278
* FINERACT-2235: Accelerate maturity to charge-off date when interest recalculation is disabled. by @mariiaKraievska in https://github.com/apache/fineract/pull/4274
* Bump actions/stale from 9.0.0 to 9.1.0 by @dependabot in https://github.com/apache/fineract/pull/4277
* FINERACT-2168: Publish build scans to develocity.apache.org by @clayburn in https://github.com/apache/fineract/pull/4265
* FINERACT-2122: Optimize build caching, add devRun gradle task by @kjozsa in https://github.com/apache/fineract/pull/4272
* FINERACT-2081: Fix "resolve dependent variable" logic of Batch request resolver by @adamsaghy in https://github.com/apache/fineract/pull/4255
* FINERACT-2165: Mark all the RestAssured solutions as deprecated in the integration tests module by @adamsaghy in https://github.com/apache/fineract/pull/4247
* FINERACT-2152: Calculate interest pause on repayment schedule by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4244
* FINERACT-2152: Backdated and multiple interest pauses by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4285
* Bump actions/setup-node from 4.1.0 to 4.2.0 by @dependabot in https://github.com/apache/fineract/pull/4287
* FINERACT-2205: Handling charges which belong to installments that got removed by @mariiaKraievska in https://github.com/apache/fineract/pull/4283
* FINERACT-1981: Consolidated accrual activity created instead of individual ones by @kulminsky in https://github.com/apache/fineract/pull/4273
* FINERACT-1971: Loan totalUnpaidPayableNotDueInterest field has wrong … by @alberto-art3ch in https://github.com/apache/fineract/pull/4286
* FINERACT-1981: fix progressive accruals on early repayment by @magyari-adam in https://github.com/apache/fineract/pull/4282
* FINERACT-2081: Fix Interest Payment Waiver reverse-replay transaction. by @somasorosdpc in https://github.com/apache/fineract/pull/4284
* FINERACT-2170: improve asciidoc: clean URIs, more by @meonkeys in https://github.com/apache/fineract/pull/4271
* FINERACT-2081: Fix Accrual Activity Reversal on Installment Due Date. by @somasorosdpc in https://github.com/apache/fineract/pull/4280
* FINERACT-2081: Update transaction summary report - Handling Accrual a… by @adamsaghy in https://github.com/apache/fineract/pull/4290
* Bump gradle/actions from 4.2.2 to 4.3.0 by @dependabot in https://github.com/apache/fineract/pull/4295
* Bump actions/setup-java from 4.6.0 to 4.7.0 by @dependabot in https://github.com/apache/fineract/pull/4289
* Update plugin org.sonarqube to v6 by @renovate-bot in https://github.com/apache/fineract/pull/4223
* FINERACT-2152: Fix interest period for interest pause between two repayment periods by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4288
* FINERACT-2081: Integration test clean up - Remove Google truth dependency and Extract Fineract client out from IntegrationTest class by @adamsaghy in https://github.com/apache/fineract/pull/4291
* FINERACT-2081: Added loan accrual activity test to check the case whe… by @tamasszabo-dpc in https://github.com/apache/fineract/pull/4296
* FINERACT-2205: Add tests when charge is added after the charge off date and behavior is zero-interest by @mariiaKraievska in https://github.com/apache/fineract/pull/4292
* FINERACT-2081: Fix end of month and partial interest calculation for 360/30 by @adamsaghy in https://github.com/apache/fineract/pull/4297
* FINERACT-1981: fix progressive accruals on late repayment by @magyari-adam in https://github.com/apache/fineract/pull/4301
* FINERACT-2162: Added use cases for chargeback in case no chargeback r… by @tamasszabo-dpc in https://github.com/apache/fineract/pull/4302
* FINERACT-2162: Support chargeback for progressive loans with disabled interest recalculation and payment allocation by @oleksii-novikov-onix in https://github.com/apache/fineract/pull/4303
* FINERACT-2174: Allow for recognition of Interest on first day end of day  - Introducing the flag by @alberto-art3ch in https://github.com/apache/fineract/pull/4300

## New Contributors
* @alberto-art3ch made their first contribution in https://github.com/apache/fineract/pull/3689
* @Mariappan-Sivakumar-ZS0528 made their first contribution in https://github.com/apache/fineract/pull/3736
* @GoyalRocks007 made their first contribution in https://github.com/apache/fineract/pull/3708
* @Pushkal-9 made their first contribution in https://github.com/apache/fineract/pull/3764
* @Zeyad2003 made their first contribution in https://github.com/apache/fineract/pull/3781
* @Aboya1417 made their first contribution in https://github.com/apache/fineract/pull/3842
* @borikas made their first contribution in https://github.com/apache/fineract/pull/3891
* @somasorosdpc made their first contribution in https://github.com/apache/fineract/pull/3907
* @janez89 made their first contribution in https://github.com/apache/fineract/pull/3919
* @HarimbolaSantatra made their first contribution in https://github.com/apache/fineract/pull/3905
* @dhruvsonagara made their first contribution in https://github.com/apache/fineract/pull/4011
* @kaibalya-fynarfin made their first contribution in https://github.com/apache/fineract/pull/4043
* @Jaswanth-Sriram-Veturi made their first contribution in https://github.com/apache/fineract/pull/4008
* @magyari-adam made their first contribution in https://github.com/apache/fineract/pull/4062
* @kulminsky made their first contribution in https://github.com/apache/fineract/pull/4056
* @oleksii-novikov-onix made their first contribution in https://github.com/apache/fineract/pull/4065
* @Napho made their first contribution in https://github.com/apache/fineract/pull/4077
* @henriquepaes1 made their first contribution in https://github.com/apache/fineract/pull/4078
* @leksinomi made their first contribution in https://github.com/apache/fineract/pull/4122
* @meonkeys made their first contribution in https://github.com/apache/fineract/pull/4131
* @tamasszabo-dpc made their first contribution in https://github.com/apache/fineract/pull/4296

**Full Changelog**: https://github.com/apache/fineract/compare/1.9.0...draft-1.11

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