# Step 26 — Complete Integration Test — Completion Report

**Status:** COMPLETED — MERGE GATED  
**Verified:** 12 August 2026  
**Pull request:** #38

## Overview

Step 26 validates the microfinance application as one connected system rather than a collection of isolated modules. The integration scenario uses real production routes, services, accounting engines, private-file handling, permission middleware, branch scoping, reports and dashboard calculations.

No production behavior was relaxed to make the scenario pass. The integration test exposed two assumptions in the test fixture itself; both were corrected while preserving application rules.

## Whole-system scenario

The integration test creates and carries forward one coherent business environment with:

- One configured business.
- Two active branches.
- Multiple staff users across loan officer, loan inspector, cashier, accountant, branch manager, independent checker and HR/payroll roles.
- Cash, M-Pesa/mobile-money and bank financial accounts.
- Opening balances plus a real capital injection.

It then executes the roadmap lifecycle below.

### Customer and collateral

- Registers a customer with NIN/KYC details.
- Uploads a private KYC document.
- Registers collateral with a private photo.
- Moves collateral through inspection/acceptance.
- Later releases the same collateral after loan settlement and verifies the release acknowledgement.

### Loan origination, approval and disbursement

- Creates a real loan product with flat interest, fees, collateral requirement and late-payment penalty.
- Creates a loan application linked to the customer and collateral.
- Verifies the generated repayment total and two-installment schedule.
- Generates the loan agreement PDF.
- Uploads the signed agreement privately.
- Submits the loan for review.
- Approves it through the inspector/maker-checker workflow.
- Disburses from the cash account.
- Verifies account deduction, loan activation and repayment-schedule activation.

### Repayments and remote payment

- Receives a partial cash repayment.
- Verifies the account increase.
- Verifies the payment is split into principal, interest, fees and penalties by the production allocation engine.
- Verifies the component sum exactly equals the received payment.
- Opens the generated payment receipt.
- Submits a customer remote M-Pesa payment with private proof.
- Confirms it remains financially neutral while pending.
- Approves the remote payment through the cashier workflow.
- Verifies the M-Pesa account increases and the remote payment reuses the normal loan-payment engine.

### Reminder, arrears and penalty

- Simulates an installment one day before due date and runs the real reminder command.
- Verifies a delivered pre-due reminder.
- Moves an unpaid installment into the past and runs the real overdue command.
- Verifies days overdue and the contractual fixed penalty.
- Records a promise-to-pay collection follow-up.

### Loan adjustments

The main collateral-backed loan is early-settled to completion. Separate coherent sibling loans are used for mutually exclusive lifecycle paths:

- **Top-up:** verifies old outstanding balance settlement, net cash to customer, old-loan closure and replacement-loan activation.
- **Early settlement:** verifies full settlement, zero outstanding and collateral readiness for release.
- **Restructuring:** verifies an approved replacement schedule and schedule-version increment while preserving history.
- **Write-off:** verifies management request/independent approval and written-off status.
- **Written-off recovery:** verifies cash increase and separate recovery income without rewriting normal payment history.

### Operating finance

- Creates a regular expense and approves it using maker-checker separation.
- Configures employee compensation.
- Generates, approves and pays payroll.
- Verifies the employee payroll snapshot/net amount and paid state.
- Transfers funds from M-Pesa to bank and verifies equal-and-opposite balance movement.

### Cash reconciliation and daily closing

- Uses the live cash account balance as the physical count.
- Performs real cash reconciliation.
- Verifies zero variance.
- Prepares the branch daily closing.
- Verifies expected cash equals actual cash.
- Confirms the close with a manager distinct from the preparer.

### Reports and management dashboard

The scenario does not merely render report pages. It independently reconstructs source totals and compares them with production reports:

- P&L income is recalculated from accounting-entry income categories.
- P&L expenses are recalculated from accounting-entry expense categories.
- Net profit is recalculated independently.
- Principal credits are explicitly reconciled to `principal_activity_excluded` and therefore never treated as revenue.
- Cash-flow money in/out is independently summed from financial-account transactions.
- Expense and payroll report totals are verified against posted records.
- Dashboard collections, disbursements and expenses are reconciled directly to the Step 19 financial report service.
- Dashboard and P&L report pages are rendered using the same selected branch/date scope.

### Branch isolation

A manager assigned only to the second branch is denied access to the first branch's:

- Customer.
- Loan.
- Financial account.
- Financial report scope.
- Management dashboard scope.

This confirms the full workflow does not create a cross-branch access shortcut.

### Audit trail

The test verifies permanent audit events across customer, collateral, application, approval, disbursement, payment, remote payment, collections, top-up, restructuring, expense, transfer and daily closing workflows.

Business-global configuration such as `loan_product.created` is correctly verified by its auditable product ID rather than incorrectly forcing a branch ID onto a global event.

## Integration failures discovered and resolved

### Gate 1 — reminder fixture assumption

CI run `31601390369` reached the reminder stage and failed because the test assumed a two-month contractual schedule automatically made the first installment due the next day.

The application was correct: no pre-due reminder should be emitted unless an installment actually falls inside the configured reminder window.

**Resolution:** the integration scenario explicitly moves one unpaid installment to 13 August 2026 before running the 12 August pre-due reminder job. No application reminder logic changed.

### Gate 2 — audit scope assumption

CI run `31601741261` completed every functional roadmap stage and failed only at the final audit check because the test required `loan_product.created` to carry the working branch ID.

The application was correct: loan products are business/global configuration and their audit event is not branch-scoped.

**Resolution:** the global product audit is verified by its auditable product ID; operational workflow audit events remain branch-scoped. No audit production logic changed.

## Green integration gate

Source head:

`8407fc4e8d8de0284b9d0b15aaa0093550b46f5c`

GitHub Actions run:

`31602175256`

Results:

- Fresh migrations: **PASS**
- All seeders: **PASS**
- Step 26 complete integration scenario: **PASS**
- Existing Steps 1–25 regressions: **PASS**
- Full suite: **180 passed**
- Assertions: **2,052**
- New Step 26 assertions added over the Step 25 baseline: **131**

## Files added

- `tests/Feature/CompleteIntegrationWorkflowTest.php`
- `docs/STEP_26_COMPLETE_INTEGRATION_TEST_COMPLETION.md`

Step 26 intentionally required no production-code modification after the application passed the complete scenario with correct fixture conditions and audit scoping.

## Roadmap completion state

`MICROFINANCE_DEVELOPMENT_PROMPTS.md` ends with Step 26 and the instruction:

> Do not declare the application complete until all critical flows pass.

The critical flows now pass on the source implementation head. The application will only be declared roadmap-complete after this documentation-inclusive branch head receives its own exact-head green CI gate and PR #38 is merged into `main` without any further changes.

## Remaining Step 26 work

No implementation work remains. Merge is gated on the final exact-head CI verification of the documentation-inclusive branch state.

## Next roadmap module

None is defined after Step 26 in `MICROFINANCE_DEVELOPMENT_PROMPTS.md`. Step 26 is the final roadmap verification module.
