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Preciousomonze/update.php

Forked from adejorosam/gist:db0e015acb85e58c20eeaaded49a11fa
Last active August 8, 2023 06:00
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Extended code to help calculate Marginal interest and overdraft for Nigeria stock exchange.
Raw
gistfile1.txt
<?php
$jsonData = '{
"data": [
{
"ValueDate": "7/3/2023 12:00:00 AM",
"Description": "Opening Balance",
"Debit": "0.0000",
"Credit": "5905.1135",
"Label": "credit",
"Balance": "5905.1135"
},
{
"ValueDate": "7/13/2023 12:00:00 AM",
"Description": "Stock Sale: 9 NB @NGN42.90 for A/C 0104",
"Debit": "0.0000",
"Credit": "377.9631",
"Label": "credit",
"Balance": "6283.0766"
},
{
"ValueDate": "7/13/2023 12:00:00 AM",
"Description": "Stock Sale: 471 NB @NGN42.90 for A/C 0104",
"Debit": "0.0000",
"Credit": "20000.8039",
"Label": "credit",
"Balance": "26283.8805"
},
{
"ValueDate": "7/10/2023 12:00:00 AM",
"Description": "Stock Purchase: 1,000 ACCESSCORP @NGN18.90 for A/C 0104",
"Debit": "-19026.9138",
"Credit": "0.0000",
"Label": "debit",
"Balance": "7256.9667"
},
{
"ValueDate": "7/10/2023 12:00:00 AM",
"Description": "Stock Purchase: 190 GTCO @NGN36.90 for A/C 0104",
"Debit": "-7060.7839",
"Credit": "0.0000",
"Label": "debit",
"Balance": "196.1828"
},
{
"ValueDate": "7/13/2023 12:00:00 AM",
"Description": "Stock Sale: 120 GEREGU @NGN280.00 for A/C 0104",
"Debit": "0.0000",
"Credit": "33261.8000",
"Label": "credit",
"Balance": "33457.9828"
},
{
"ValueDate": "7/14/2023 12:00:00 AM",
"Description": "Stock Sale: 20,000 STERLINGNG @NGN4.46 for A/C 0104",
"Debit": "0.0000",
"Credit": "88309.2750",
"Label": "credit",
"Balance": "121767.2578"
},
{
"ValueDate": "7/11/2023 12:00:00 AM",
"Description": "Stock Purchase: 10,000 FCMB @NGN7.00 for A/C 0104",
"Debit": "-70458.4250",
"Credit": "0.0000",
"Label": "debit",
"Balance": "51308.8328"
},
{
"ValueDate": "7/11/2023 12:00:00 AM",
"Description": "Stock Purchase: 20,000 JAIZBANK @NGN2.10 for A/C 0104",
"Debit": "-42276.7750",
"Credit": "0.0000",
"Label": "debit",
"Balance": "9032.0578"
},
{
"ValueDate": "7/17/2023 12:00:00 AM",
"Description": "Stock Sale: 150 DANGCEM @NGN326.00 for A/C 0104",
"Debit": "0.0000",
"Credit": "48409.7563",
"Label": "credit",
"Balance": "57441.8141"
},
{
"ValueDate": "7/17/2023 12:00:00 AM",
"Description": "Stock Sale: 11,000 STERLINGNG @NGN3.83 for A/C 0104",
"Debit": "0.0000",
"Credit": "41707.0331",
"Label": "credit",
"Balance": "99148.8472"
},
{
"ValueDate": "7/18/2023 12:00:00 AM",
"Description": "Stock Purchase: 1,000 ACCESSCORP @NGN17.25 for A/C 0104",
"Debit": "-17366.2094",
"Credit": "0.0000",
"Label": "debit",
"Balance": "81782.6378"
},
{
"ValueDate": "7/18/2023 12:00:00 AM",
"Description": "Being debit from STOCKBROKING (NG) to credit AGBOOLA KOLADE JOSHUA\'s wallet",
"Debit": "-1000.0000",
"Credit": "0.0000",
"Label": "debit",
"Balance": "80782.6378"
},
{
"ValueDate": "7/18/2023 12:00:00 AM",
"Description": "Stock Purchase: 5,000 FCMB @NGN6.20 for A/C 0104",
"Debit": "-31205.4125",
"Credit": "0.0000",
"Label": "debit",
"Balance": "49577.2253"
},
{
"ValueDate": "7/18/2023 12:00:00 AM",
"Description": "Stock Purchase: 1,000 WEMABANK @NGN4.55 for A/C 0104",
"Debit": "-4583.8181",
"Credit": "0.0000",
"Label": "debit",
"Balance": "44993.4072"
},
{
"ValueDate": "7/24/2023 12:00:00 AM",
"Description": "Stock Sale: 2,510 UBA @NGN13.60 for A/C 0104",
"Debit": "0.0000",
"Credit": "33792.4735",
"Label": "credit",
"Balance": "78785.8807"
},
{
"ValueDate": "8/1/2023 12:00:00 AM",
"Description": "Stock Purchase: 150 MTNN @NGN262.50 for A/C 0104",
"Debit": "-39634.7453",
"Credit": "0.0000",
"Label": "debit",
"Balance": "39151.1354"
}
]
}';
$nigeria_holidays = [
"2023-01-01",
"2023-04-14",
"2023-04-17",
"2023-05-01",
"2023-06-12",
"2023-07-12",
"2023-08-01",
"2023-10-01",
"2023-12-25",
"2023-12-26",
];
// Convert JSON data to PHP array
$data = json_decode($jsonData, true)['data'];
// dd($data);
function is_business_day($date) {
return date('N', strtotime($date)) < 6 && !in_array(date('Y-m-d', strtotime($date)), $GLOBALS['nigeria_holidays']);
}
function dd ($data)
{
var_dump($data);
die();
}
function add_business_days($start_date, $num_days) {
$current_date = date('Y-m-d', strtotime($start_date));
while ($num_days > 0) {
$current_date = date('Y-m-d', strtotime($current_date . ' +1 day'));
if (is_business_day($current_date)) {
$num_days--;
}
}
return $current_date;
}
function add_t_plus_3($value_date, $description) {
if (strpos(strtolower($description), 'purchase') != false) {
$value_date = date('Y-m-d', strtotime($value_date));
return add_business_days($value_date, 3);
}
else {
return add_business_days($value_date, 3);
}
}
function process_json_data($json_data) {
$processed_data = [];
foreach ($json_data as $json_object) {
if (isset($json_object["ValueDate"]) && isset($json_object["Description"])) {
$new_value_date = add_t_plus_3($json_object["ValueDate"], $json_object["Description"]);
$json_object["NewValueDate"] = $new_value_date;
$processed_data[] = $json_object;
}
}
return $processed_data;
}
$processed_data = process_json_data($data);
Raw
update.php
<?php
$loan_amount = 3000000; // 3,000,000.
$interest_annual_rate = 0.17; // 17%.
$expected = '{
"e_data":[
{
"ValueDate": "01-Jul-2023",
"GL Description": "Opening Balance",
"Debit": "",
"Credit": "",
"Balance": "(1,233,291.17)",
"Original Value date": "01-Jul-2023",
"Day end Balance": "(1,233,291.17)",
"Day": "2.00",
"Interest": "(1,148.82)",
"Overdraft Charge": "-"
},
{
"ValueDate": "03-Jul-2023",
"GL Description": "{Batch#: 14395} BEING MARGIN INTEREST FOR JUNE \'23",
"Debit": "-15,042.21",
"Credit": "",
"Balance": "(1,248,333.38)",
"Original Value date": "03-Jul-2023",
"Day end Balance": "(1,248,333.38)",
"Day": "1.00",
"Interest": "(581.42)",
"Overdraft Charge": "-"
},
{
"ValueDate": "04-Jul-2023",
"GL Description": "Stock Sale: 1,000 DANGSUGAR @NGN25.10 for A/C 5500",
"Debit": "",
"Credit": "24,846.27",
"Balance": "(1,223,487.11)",
"Original Value date": "04-Jul-2023",
"Day end Balance": "(1,223,487.11)",
"Day": "1.00",
"Interest": "(569.84)",
"Overdraft Charge": "-"
}
]}';
$jsonData = '{
"data": [
{
"ValueDate": "7/1/2023",
"Description": "Opening Balance",
"Debit": "",
"Credit": "",
"Balance": "-1233291.17"
},
{
"ValueDate": "7/3/2023",
"Description": "{Batch#: 14395} BEING MARGIN INTEREST FOR JUNE 23",
"Debit": "-15,042.21",
"Credit": "",
"Balance": "-1248333.38"
},
{
"ValueDate": "7/4/2023",
"Description": "Stock Sale: 1,000 DANGSUGAR @NGN25.10 for A/C 5500",
"Debit": "",
"Credit": "24,846.27",
"Balance": "1223487.11"
},
{
"ValueDate": "7/5/2023",
"Description": "Being payment for STOCKBROKING (NG) from NWANEKEZI MARYANN UGOCHIs wallet",
"Debit": "200,000.00",
"Credit": "",
"Balance": "-1023487.11"
},
{
"ValueDate": "7/4/2023",
"Description": "Stock Purchase: 5,000 FIDELITYBK @NGN7.69 for A/C 5500",
"Debit": "-38,703.74",
"Credit": "",
"Balance": "-1062190.85"
},
{
"ValueDate": "7/5/2023",
"Description": "Stock Purchase: 3,000 UBA @NGN12.80 for A/C 5500",
"Debit": "-38,653.42",
"Credit": "",
"Balance": "1100844.27"
},
{
"ValueDate": "7/5/2023",
"Description": "Stock Purchase: 56,000 JAPAULGOLD @NGN0.92 for A/C 5500",
"Debit": "-51,858.54",
"Credit": "",
"Balance": "-1152702.81"
},
{
"ValueDate": "7/5/2023",
"Description": "Stock Purchase: 74,000 JAPAULGOLD @NGN0.92 for A/C 5500",
"Debit": "-68,525.97",
"Credit": "",
"Balance": "-1221228.78"
},
{
"ValueDate": "7/10/2023",
"Description": "Stock Sale: 500 DANGCEM @NGN285.00 for A/C 5500",
"Debit": "",
"Credit": "141,079.61",
"Balance": "-1080149.17"
},
{
"ValueDate": "7/6/2023",
"Description": "Stock Purchase: 100,000 RTBRISCOE @NGN0.81 for A/C 5500",
"Debit": "-81,529.79",
"Credit": "",
"Balance": "-1161678.96"
},
{
"ValueDate": "7/6/2023",
"Description": "Stock Purchase: 15,240 JAPAULGOLD @NGN1.00 for A/C 5500",
"Debit": "-15,343.17",
"Credit": "",
"Balance": "-1177022.13"
},
{
"ValueDate": "7/6/2023",
"Description": "Stock Purchase: 50,000 RTBRISCOE @NGN0.71 for A/C 5500",
"Debit": "-35,734.61",
"Credit": "",
"Balance": "-1212756.74"
},
{
"ValueDate": "7/7/2023",
"Description": "Stock Purchase: 1,500 DANGSUGAR @NGN27.80 for A/C 5500",
"Debit": "-41,974.83",
"Credit": "",
"Balance": "-1254731.57"
},
{
"ValueDate": "7/7/2023",
"Description": "Stock Purchase: 67 JAPAULGOLD @NGN1.11 for A/C 5500",
"Debit": "-79.15",
"Credit": "",
"Balance": "-1254810.72"
},
{
"ValueDate": "7/12/2023",
"Description": "Stock Purchase: 30,000 JAPAULGOLD @NGN1.47 for A/C 5500",
"Debit": "-44,390.40",
"Credit": "",
"Balance": "-1299201.12"
},
{
"ValueDate": "7/27/2023",
"Description": "Stock Purchase: 20,000 TRANSCORP @NGN3.68 for A/C 5500",
"Debit": "-44,390.40",
"Credit": "",
"Balance": "-74081.78"
}
]
}';
// $jsonData = '{
// "data": [
// {
// "ValueDate": "7/3/2023 12:00:00 AM",
// "Description": "Opening Balance",
// "Debit": "0.0000",
// "Credit": "5905.1135",
// "Label": "credit",
// "Balance": "5905.1135"
// },
// {
// "ValueDate": "7/13/2023 12:00:00 AM",
// "Description": "Stock Sale: 9 NB @NGN42.90 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "377.9631",
// "Label": "credit",
// "Balance": "6283.0766"
// },
// {
// "ValueDate": "7/13/2023 12:00:00 AM",
// "Description": "Stock Sale: 471 NB @NGN42.90 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "20000.8039",
// "Label": "credit",
// "Balance": "26283.8805"
// },
// {
// "ValueDate": "7/10/2023 12:00:00 AM",
// "Description": "Stock Purchase: 1,000 ACCESSCORP @NGN18.90 for A/C 0104",
// "Debit": "-19026.9138",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "7256.9667"
// },
// {
// "ValueDate": "7/10/2023 12:00:00 AM",
// "Description": "Stock Purchase: 190 GTCO @NGN36.90 for A/C 0104",
// "Debit": "-7060.7839",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "196.1828"
// },
// {
// "ValueDate": "7/13/2023 12:00:00 AM",
// "Description": "Stock Sale: 120 GEREGU @NGN280.00 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "33261.8000",
// "Label": "credit",
// "Balance": "33457.9828"
// },
// {
// "ValueDate": "7/14/2023 12:00:00 AM",
// "Description": "Stock Sale: 20,000 STERLINGNG @NGN4.46 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "88309.2750",
// "Label": "credit",
// "Balance": "121767.2578"
// },
// {
// "ValueDate": "7/11/2023 12:00:00 AM",
// "Description": "Stock Purchase: 10,000 FCMB @NGN7.00 for A/C 0104",
// "Debit": "-70458.4250",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "51308.8328"
// },
// {
// "ValueDate": "7/11/2023 12:00:00 AM",
// "Description": "Stock Purchase: 20,000 JAIZBANK @NGN2.10 for A/C 0104",
// "Debit": "-42276.7750",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "9032.0578"
// },
// {
// "ValueDate": "7/17/2023 12:00:00 AM",
// "Description": "Stock Sale: 150 DANGCEM @NGN326.00 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "48409.7563",
// "Label": "credit",
// "Balance": "57441.8141"
// },
// {
// "ValueDate": "7/17/2023 12:00:00 AM",
// "Description": "Stock Sale: 11,000 STERLINGNG @NGN3.83 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "41707.0331",
// "Label": "credit",
// "Balance": "-99148.8472"
// },
// {
// "ValueDate": "7/18/2023 12:00:00 AM",
// "Description": "Stock Purchase: 1,000 ACCESSCORP @NGN17.25 for A/C 0104",
// "Debit": "-17366.2094",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "81782.6378"
// },
// {
// "ValueDate": "7/18/2023 12:00:00 AM",
// "Description": "Being debit from STOCKBROKING (NG) to credit AGBOOLA KOLADE JOSHUA\'s wallet",
// "Debit": "-1000.0000",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "80782.6378"
// },
// {
// "ValueDate": "7/18/2023 12:00:00 AM",
// "Description": "Stock Purchase: 5,000 FCMB @NGN6.20 for A/C 0104",
// "Debit": "-31205.4125",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "-49577.2253"
// },
// {
// "ValueDate": "7/18/2023 12:00:00 AM",
// "Description": "Stock Purchase: 1,000 WEMABANK @NGN4.55 for A/C 0104",
// "Debit": "-4583.8181",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "-44993.4072"
// },
// {
// "ValueDate": "7/24/2023 12:00:00 AM",
// "Description": "Stock Sale: 2,510 UBA @NGN13.60 for A/C 0104",
// "Debit": "0.0000",
// "Credit": "33792.4735",
// "Label": "credit",
// "Balance": "78785.8807"
// },
// {
// "ValueDate": "8/1/2023 12:00:00 AM",
// "Description": "Stock Purchase: 150 MTNN @NGN262.50 for A/C 0104",
// "Debit": "-39634.7453",
// "Credit": "0.0000",
// "Label": "debit",
// "Balance": "-100000000.1354"
// }
// ]
// }';
$nigeria_holidays = [
"2023-01-01",
"2023-04-14",
"2023-04-17",
"2023-05-01",
"2023-06-12",
"2023-07-12",
"2023-08-01",
"2023-10-01",
"2023-12-25",
"2023-12-26",
];
// Convert JSON data to PHP array
$data = json_decode($jsonData, true)['data'];
// dd($data);
function is_business_day($date) {
return date('N', strtotime($date)) < 6 && !in_array(date('Y-m-d', strtotime($date)), $GLOBALS['nigeria_holidays']);
}
function dd ($data)
{
var_dump($data);
die();
}
function add_business_days($start_date, $num_days) {
$current_date = date('Y-m-d', strtotime($start_date));
while ($num_days > 0) {
$current_date = date('Y-m-d', strtotime($current_date . ' +1 day'));
if (is_business_day($current_date)) {
$num_days--;
}
}
return $current_date;
}
function add_t_plus_3($value_date, $description) {
$value_date = date('Y-m-d', strtotime($value_date));
if (strpos(strtolower($description), 'purchase') != false) {
$value_date = date('Y-m-d', strtotime($value_date));
return add_business_days($value_date, 3);
}
else {
// return add_business_days($value_date, 3);
return $value_date;
}
}
function process_json_data($json_data) {
$processed_data = [];
foreach ($json_data as $json_object) {
if (isset($json_object["ValueDate"]) && isset($json_object["Description"])) {
$new_value_date = add_t_plus_3($json_object["ValueDate"], $json_object["Description"]);
$json_object["NewValueDate"] = $new_value_date;
$processed_data[] = $json_object;
}
}
$appopriateBalance = calculateBalances($processed_data);
return $appopriateBalance;
}
function calculateBalances($data) {
$balance = $data[0]['Balance'];
foreach ($data as &$entry) {
$debit = $entry['Debit'];
$credit = $entry['Credit'];
if (!empty($debit)) {
$balance += (float) $debit; // Cast to float to avoid non-numeric error.
}
if (!empty($credit)) {
$balance += (float) $credit; // Cast to float to avoid non-numeric error.
}
$entry['Balance'] = number_format($balance, 2, '.', '');
}
return $data;
}
/**
* Calculates interest.
*
* @param string $d_e_b Day end balance
* @param int $day_diff Day difference
* @param int $loan_amount
* @param double $interest_annual_rate
* @param int $decimals (optional) How many decimal points, default is 2.
* @param int $no_of_days (optional) No of days in a year. Default is 365
* @return mixed
*/
function calculate_interest($d_e_b, $day_diff, $loan_amount, $interest_annual_rate, $decimals = 2, $no_of_days = 365) {
$d_e_b = (int) $d_e_b;
// Check if Day end balance is negative.
if ($d_e_b > 0) {
return 0;
}
// Calculate.
$interest = $d_e_b * ($interest_annual_rate / $no_of_days ) * $day_diff;
return number_format(abs($interest), $decimals, '.', '');
}
/**
* Calculates Overdraft.
*
* @param string $d_e_b Day end balance
* @param int $day_diff Day difference
* @param int $loan_amount
* @param int $decimals (optional) How many decimal points, default is 2.
* @param double $overdraft_rate (optional) In %, Meaining 44/100, so Default value is xx
* @return mixed
*/
function calculate_overdraft($d_e_b, $day_diff, $loan_amount, $decimals = 2, $overdraft_rate = 0.44) {
$d_e_b = (int) $d_e_b;
// Check if Day end balance is negative.
if ($d_e_b > 0) {
return 0;
}
// Check if Day end balance is greater than loan amount to continue.
if (abs($d_e_b) < $loan_amount) {
return 0;
}
$difference = abs($d_e_b) - $loan_amount;
// Calculate.
$overdraft = $difference * $overdraft_rate * $day_diff;
return number_format(abs($overdraft), $decimals, '.', '');
}
/**
* Adds interest rate and extras to the json data.
*
* If the Json data doesnt have NewValueDate set, it returns false.
*
* @param array $json_data The already processed data.
* @return array|bool False if newValueDate doesnt exist.
*/
function process_interest_saga_to_json_data($json_data) {
// Get global values.
global $loan_amount, $interest_annual_rate;
// Needed variables.
$new_json = $json_data;
$i = 0;
$day_diff = 0;
$next_value_date = '';
$previous_value_date = null; // To store the last different date, because there can be multiple transactions in a day.
$previous_nth_index = null; // To store last valid transaction index, in case of multiple same day transactions.
foreach ($json_data as $json_obj) {
// First check if the json_data is processed, so we can use NewValueDate.
if ( ! isset($json_obj['NewValueDate']) ) {
return false;
}
// Looks good, go ahead.
$new_json[$i]['DayDifference'] = '';
$new_json[$i]['MarginInterest'] = '';
$new_json[$i]['Overdraft'] = '';
$new_json[$i]['MarginPlusOverdraft'] = '';
$next_value_date = isset($new_json[($i+1)]) ? $new_json[($i+1)]['NewValueDate'] : null; // isset($previous_obj['NewValueDate']) ? $previous_obj['NewValueDate'] : '';
// Check if the next value date isn't same as current.
if ($next_value_date !== $json_obj['NewValueDate']) { // Last Transaction, calculate.
$current_date = $json_obj['NewValueDate'];
$day_diff = ! is_null($previous_value_date) ? (strtotime($current_date) - strtotime($previous_value_date)) / (60 * 60 * 24) : '';
// Since we're setting day difference to the previous day, run only when previous date has value, meaning when its not the first data.
if ( !is_null($previous_value_date)) {
// Note we might have multiple transactions in a day, so the $i-1 value might be faulty.
if ($new_json[($i-1)]['NewValueDate'] !== $current_date) { // Last data date is not same as current date.
$previous_nth_index = ($i-1);
} else { // It's the same.
//$previous_nth_index = ($i-1);
}
// Calculate margin interest and overdraft.
$margin_interest = calculate_interest($new_json[$previous_nth_index]['Balance'], (int) $day_diff, $loan_amount, $interest_annual_rate);
$overdraft = calculate_overdraft($new_json[$previous_nth_index]['Balance'], (int) $day_diff, $loan_amount, $interest_annual_rate);
$new_json[$previous_nth_index]['DayDifference'] = (string) $day_diff;
$new_json[$previous_nth_index]['MarginInterest'] = (string) $margin_interest;
$new_json[$previous_nth_index]['Overdraft'] = (string) $overdraft;
$new_json[$previous_nth_index]['MarginPlusOverdraft'] = (string) ($margin_interest + $overdraft);
// echo "day difference:";
// var_dump($day_diff);
// echo "previous nth index:";
// var_dump($previous_nth_index);
}
// Since this is a last transaction, Store current nth index so as to sort multiple same day transaction issue.
$previous_nth_index = $i;
// Now store some data for the next row.
$previous_value_date = $current_date;
}
// Increment properly to get correct values assigned.
++$i;
}
return $new_json;
}
/**
* Adds total to specified columns in JSON Date.
*
* If the column name doesn't exist, it doesn't do anything.
*
* @param array $json_data The already processed data.
* @param array $column_names (optional) The column to be summed up.
* @param string $prefix (optional) Jara, prefix to the new column data. e.g Total-Overdraft.
* @return array
*/
function add_total_to_json_data($json_data, $column_names = array('DayDifference', 'MarginInterest', 'Overdraft'), $prefix = 'Total-') {
if (!is_array($column_names)) {
return $json_data;
}
$new_json = $json_data;
$sum_array = array();
foreach ($json_data as $json_obj) {
foreach ($column_names as $column) {
if(isset($json_obj[$column])) {
$sum_array[($prefix . $column)] = !isset($sum_array[($prefix . $column)]) ? null : $sum_array[($prefix . $column)]; // Assign first to avoid throwing php warnings.
$sum_array[($prefix . $column)] += (int) $json_obj[$column];
}
}
}
// Add to the last row or whatever.
$new_json[(count($new_json))] = $sum_array;
return $new_json;
}
$processed_data = process_json_data($data);
// Testing functions here.
var_dump(json_decode($expected, true));
var_dump($processed_data);
var_dump( calculate_interest('-1233291.17', 2, $loan_amount, $interest_annual_rate));
var_dump( calculate_overdraft('-150000', 3, $loan_amount, $interest_annual_rate));
$proccessed_interest_data = process_interest_saga_to_json_data($processed_data);
var_dump(add_total_to_json_data($proccessed_interest_data));
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