CLASS {{p}}overdraft_calc DEFINITION PUBLIC FINAL CREATE PUBLIC.
  PUBLIC SECTION.
    INTERFACES {{p}}if_overdraft.

  PRIVATE SECTION.
    CONSTANTS:
      c_free_days         TYPE i VALUE 3,
      c_percent_divisor   TYPE i VALUE 100,
      c_days_per_year     TYPE i VALUE 360,
      c_business_discount TYPE p LENGTH 3 DECIMALS 2 VALUE '2.00',
      c_min_rate          TYPE p LENGTH 3 DECIMALS 2 VALUE '5.00'.

    TYPES:
      ty_rate     TYPE p LENGTH 5 DECIMALS 2,
      ty_interest TYPE p LENGTH 15 DECIMALS 6.

    METHODS chargeable_days
      IMPORTING iv_days        TYPE i
      RETURNING VALUE(rv_days) TYPE i.

    METHODS base_rate
      IMPORTING iv_amount      TYPE {{p}}if_overdraft=>ty_amount
      RETURNING VALUE(rv_rate) TYPE ty_rate.

    METHODS interest_rate
      IMPORTING iv_amount      TYPE {{p}}if_overdraft=>ty_amount
                iv_segment     TYPE {{p}}if_overdraft=>ty_segment
      RETURNING VALUE(rv_rate) TYPE ty_rate.
ENDCLASS.


CLASS {{p}}overdraft_calc IMPLEMENTATION.
  METHOD {{p}}if_overdraft~calculate.
    DATA:
      lv_days   TYPE i,
      lv_rate   TYPE ty_rate,
      lv_annual TYPE ty_interest.

    IF iv_amount <= 0 OR iv_days <= 0.
      rv_interest = 0.
      RETURN.
    ENDIF.

    lv_days = chargeable_days( iv_days ).
    lv_rate = interest_rate( iv_amount = iv_amount
                             iv_segment = iv_segment ).

    lv_annual = iv_amount * lv_rate / c_percent_divisor.
    rv_interest = lv_annual * lv_days / c_days_per_year.

    IF rv_interest > 0 AND rv_interest < {{p}}if_overdraft=>c_min_interest.
      rv_interest = {{p}}if_overdraft=>c_min_interest.
    ENDIF.
  ENDMETHOD.

  METHOD chargeable_days.
    rv_days = iv_days - c_free_days.
    IF rv_days < 0.
      rv_days = 0.
    ENDIF.
  ENDMETHOD.

  METHOD base_rate.
    IF iv_amount <= 1000.
      rv_rate = '12.00'.
    ELSEIF iv_amount <= 5000.
      rv_rate = '10.00'.
    ELSEIF iv_amount <= 20000.
      rv_rate = '8.00'.
    ELSE.
      rv_rate = '6.50'.
    ENDIF.
  ENDMETHOD.

  METHOD interest_rate.
    rv_rate = base_rate( iv_amount ).

    IF iv_segment <> {{p}}if_overdraft=>c_segment_business.
      rv_rate = rv_rate - c_business_discount.
      IF rv_rate < c_min_rate.
        rv_rate = c_min_rate.
      ENDIF.
    ENDIF.
  ENDMETHOD.
ENDCLASS.