FINERACT-2399: Add global config to block transactions on closed/overpaid loans

[airajena]

Description

Fixes FINERACT-2399

This PR adds a new global configuration block-transactions-on-closed-overpaid-loans that allows organizations to prevent monetary transactions on loan accounts with closed or overpaid status.

Problem

Currently, Fineract allows monetary transactions (repayments, refunds, charges, etc.) on loans that are in closed or overpaid status. This can cause:

• Data integrity issues
• Accounting reconciliation problems
• Unintended transactions on settled accounts

Solution

Added a global configuration toggle:

• When disabled (default): Current behavior preserved - transactions allowed on closed/overpaid loans
• When enabled: Monetary transactions are blocked with appropriate error message

[adamsaghy]

Please dont forget to run ./gradlew spotlessApply spotbugsMain spotbugsTest checkstyleMain checkstyleTest before ALL commits!

[adamsaghy]

Please dont forget to run ./gradlew spotlessApply spotbugsMain spotbugsTest checkstyleMain checkstyleTest before ALL commits!

[airajena]

Please dont forget to run ./gradlew spotlessApply spotbugsMain spotbugsTest checkstyleMain checkstyleTest before ALL commits!

Thanks for the reminder! Just a quick clarification: Is it sufficient to run these checks specifically on the modules I've modified (e.g., ./gradlew :integration-tests:spotlessApply ...), or do you require them to be run on the entire project root? Running them on the root seems to trigger issues in unrelated modules.

[adamsaghy]

Please dont forget to run ./gradlew spotlessApply spotbugsMain spotbugsTest checkstyleMain checkstyleTest before ALL commits!

Thanks for the reminder! Just a quick clarification: Is it sufficient to run these checks specifically on the modules I've modified (e.g., ./gradlew :integration-tests:spotlessApply ...), or do you require them to be run on the entire project root? Running them on the root seems to trigger issues in unrelated modules.

Its just easier to run this as i shared and fix all places ;)

[adamsaghy]

Credit Balance Refund txn cannot be blocked! That is for handle overpaid status correctly!

[adamsaghy]

I dont think we need this. Are you sure this should be here?

[adamsaghy]

Please add proper testing to ensure correct behavior!

[airajena]

Please add proper testing to ensure correct behavior!

Done