1 |
Nama Penerima Pembiayaan |
: |
{{ $creditApplicationBusiness->businessType . ' ' . $creditApplicationBusiness->businessName }}
|
|
Alamat perusahaan saat ini dan sesuai NIB |
: |
{{ $creditApplicationBusiness->businessAddress }},
Kel.{{ $creditApplicationBusiness->businessVillage }},
Kec.{{ $creditApplicationBusiness->businessSubdistrict }},
{{ $creditApplicationBusiness->businessCity }},
{{ $creditApplicationBusiness->businessProvince }}. |
2 |
Nilai Limit |
: |
Rp {{ getPriceNumber($creditApplicationBusiness->totalPlafond) }} |
3 |
Tenor |
: |
{{ $invoice->period > 0 ? getPriceNumber($invoice->period) . ' bulan' : getPriceNumber($invoice->periodDay) . ' hari' }}
|
4 |
Nama Pengurus dan Pemegang Saham |
: |
@php
$commissioners = json_decode($creditApplicationBusinessManagement);
$noCommissioner = 1;
@endphp
@foreach (json_decode($commissioners->commissionerName, true) as $key => $value)
{{ $noCommissioner }}. |
{{ ucwords($value) . ' ' . '(' . $constant::MANAGEMENT_COMMISSIONER_ALIAS[json_decode($commissioners->commissionerPosition, true)[$key]] . ')' }}
|
Rp
{{ number_format(json_decode($commissioners->commissionerShareValue, true)[$key], 0, ',', '.') }}
|
{{ json_decode($commissioners->commissionerSharePercent, true)[$key] }}%
|
@php
$noCommissioner++;
@endphp
@endforeach
@php
$directors = json_decode($creditApplicationBusinessManagement);
$noDirector = $noCommissioner;
@endphp
@foreach (json_decode($directors->directorName, true) as $key => $value)
{{ $noDirector }}. |
{{ ucwords($value) . ' ' . '(' . $constant::MANAGEMENT_DIRECTOR_ALIAS[json_decode($directors->directorPosition, true)[$key]] . ')' }}
|
Rp
{{ number_format(json_decode($directors->directorShareValue, true)[$key], 0, ',', '.') }}
|
{{ json_decode($directors->directorSharePercent, true)[$key] }}% |
@php
$noDirector++;
@endphp
@endforeach
@php
$shareHolders = json_decode($creditApplicationBusinessManagement);
$combinedData = [];
foreach (json_decode($shareHolders->shareHolderName, true) as $key => $value) {
$combinedData[] = [
'shareHolderName' => ucwords($value),
'shareValue' => json_decode($shareHolders->shareHolderShareValue, true)[
$key
],
'sharePercent' => json_decode($shareHolders->shareHolderSharePercent, true)[
$key
],
];
}
// MENGURUTKAN DATA PEMEGANG SAHAM DARI SHAREHOLDERSHAREVALUE TERTINGGI
usort($combinedData, function ($a, $b) {
return $b['shareValue'] - $a['shareValue'];
});
$noShareHolder = $noDirector;
@endphp
@foreach ($combinedData as $data)
{{ $noShareHolder }}. |
{{ $data['shareHolderName'] }} |
Rp
{{ number_format($data['shareValue'], 0, ',', '.') }}
|
{{ $data['sharePercent'] }}% |
@php
$noShareHolder++;
@endphp
@endforeach
|
5 |
Laporan Keuangan |
: |
Laporan Keuangan (dalam juta Rp.)
|
@php
$reportDate = empty($creditApplicationBusinessFinancialPerformance->reportDate)
? ''
: parseDateToIndonesian(
$carbon
::parse($creditApplicationBusinessFinancialPerformance->reportDate)
->format('M-Y')
);
$reportDate2 = empty($creditApplicationBusinessFinancialPerformance->reportDate2)
? ''
: parseDateToIndonesian(
$carbon
::parse($creditApplicationBusinessFinancialPerformance->reportDate2)
->format('M-Y')
);
try {
$reportDate =
substr(explode('-', $reportDate)[0], 0, 3) .
'-' .
explode('-', $reportDate)[1];
$reportDate2 =
substr(explode('-', $reportDate2)[0], 0, 3) .
'-' .
explode('-', $reportDate2)[1];
} catch (\Throwable $th) {
$reportDate = '';
$reportDate2 = '';
}
@endphp
{{ $reportDate }}
|
{{ $reportDate2 }}
|
Neraca
|
in-House
|
in-House
|
Total Current Aset
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalCurrentAsset) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalCurrentAsset2) }}
|
Total Aset
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalAsset) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalAsset2) }}
|
Total Current Liabilities
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalCurrentLiabilities) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalCurrentLiabilities2) }}
|
Total Liabilities
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalLiabilities) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->totalLiabilities2) }}
|
Ekuitas
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->ekuitas) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->ekuitas2) }}
|
Laba / (Rugi)
|
|
|
Pendapatan Usaha
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->operatingRevenues) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->operatingRevenues2) }}
|
Laba Kotor
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->grossProfit) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->grossProfit2) }}
|
Laba Usaha Sebelum Pajak
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->profitBeforeTax) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->profitBeforeTax2) }}
|
Laba Bersih Setelah Pajak
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->nettProfitAfterTax) }}
|
{{ getBillionMillionNumber($creditApplicationBusinessFinancialPerformance->nettProfitAfterTax2) }}
|
Rasio Keuangan [%]
|
|
|
Return On Assets (ROA)
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->roa, 2) }}%
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->roa2, 2) }}%
|
Return On Equity (ROE)
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->roe, 2) }}%
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->roe2, 2) }}%
|
Debt To Equity (DER)
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->der, 2) }}
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->der2, 2) }}
|
Net Profit Margin (NPM)
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->npm, 2) }}%
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->npm2, 2) }}%
|
Current Ratio
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->currentRatio, 2) }}
|
{{ getFormattedNumber($creditApplicationBusinessFinancialPerformance->currentRatio2, 2) }}
|
|
6 |
Analisa Laporan Keuangan |
: |
|
|
{!! nl2br($invoice->proposalInvoicer->analisa_risk_note) !!} |
{{--
7 |
Aging Piutang |
: |
255 Hari |
--}}
7 |
Pefindo Score |
: |
{{ $invoice->proposalInvoicer->kredit_skor_pefindo }} |
8 |
FDC |
: |
{{ $invoice->proposalInvoicer->kredit_skor_fdc }} |
9 |
Informasi Usaha |
: |
|
|
{!! nl2br($creditApplication->description) !!} |
10 |
Mutasi Rekening |
: |
|
|
@php
$accountMutationHtml = '';
$numberOfMonths[] = [];
foreach ($creditApplicationBusinessAccountMutation as $key => $accountMutation) {
$mutationData = json_decode($accountMutation->mutationData, true);
$accountMutationHtml =
'
' .
$accountMutation->bank->name .
' (' .
$accountMutation->bankAccountNumber .
') A.N. ' .
strtoupper($accountMutation->bankAccountOwnerName) .
' |
Periode |
Debit |
Kredit |
Saldo |
';
$totalDebit = 0;
$totalCredit = 0;
$totalSaldo = 0;
$numberOfMonths[$key] = 0;
foreach ($mutationData as $mutation) {
$totalDebit += intval(str_replace(',', '', $mutation['mutationAmount']['debit']));
$totalCredit += intval(str_replace(',', '', $mutation['mutationAmount']['credit']));
$mutationMonth = isset($mutation['mutationMonth'])
? $mutation['mutationMonth']
: '';
$mutationYear = isset($mutation['mutationYear']) ? $mutation['mutationYear'] : '';
$numberOfMonths[$key]++;
$accountMutationHtml .=
'
' .
Constant::MONTH_LABELS[$mutationMonth] .
' ' .
$mutationYear .
' |
Rp' .
number_format(
intval(str_replace(',', '', $mutation['mutationAmount']['debit'])),
0,
',',
'.'
) .
' |
Rp' .
number_format(
intval(str_replace(',', '', $mutation['mutationAmount']['credit'])),
0,
',',
'.'
) .
' |
Rp' .
number_format(intval(str_replace(',', '', $mutation['balance'])), 0, ',', '.') .
' |
';
}
$accountMutationHtml .=
'
Total |
Rp' .
number_format($totalDebit, 0, ',', '.') .
' |
Rp' .
number_format($totalCredit, 0, ',', '.') .
' |
|
';
echo $accountMutationHtml;
}
@endphp
|
11 |
Info Mutasi Rekening |
: |
@php
$grandTotalAvgTotalDebit = 0;
$grandTotalAvgTotalCredit = 0;
$grandTotalAvgTotalBalance = 0;
$summaryAccountMutationHtml = '
Bank |
Avg. Saldo Akhir |
Avg. Kredit |
';
foreach ($creditApplicationBusinessAccountMutation as $key => $accountMutation) {
$mutationData = json_decode($accountMutation->mutationData, true);
$totalDebit = 0;
$totalCredit = 0;
$totalBalance = 0;
foreach ($mutationData as $mutation) {
$totalDebit += intval(str_replace(',', '', $mutation['mutationAmount']['debit']));
$totalCredit += intval(str_replace(',', '', $mutation['mutationAmount']['credit']));
$totalBalance += intval(str_replace(',', '', $mutation['balance']));
}
$avgTotalDebit = $totalDebit / $numberOfMonths[$key];
$avgTotalCredit = $totalCredit / $numberOfMonths[$key];
$avgTotalBalance = $totalBalance / $numberOfMonths[$key];
$grandTotalAvgTotalDebit += $avgTotalDebit;
$grandTotalAvgTotalCredit += $avgTotalCredit;
$grandTotalAvgTotalBalance += $avgTotalBalance;
$summaryAccountMutationHtml .=
'
' .
$accountMutation->bank->name .
' ****' .
substr($accountMutation->bankAccountNumber, -3) .
' |
Rp' .
number_format(round($avgTotalBalance, PHP_ROUND_HALF_UP), 0, ',', '.') .
' |
Rp' .
number_format(round($avgTotalCredit, PHP_ROUND_HALF_UP), 0, ',', '.') .
' |
';
}
$summaryAccountMutationHtml .=
'
Total |
Rp' .
number_format(round($grandTotalAvgTotalBalance, PHP_ROUND_HALF_UP), 0, ',', '.') .
' |
Rp' .
number_format(round($grandTotalAvgTotalCredit, PHP_ROUND_HALF_UP), 0, ',', '.') .
' |
';
echo $summaryAccountMutationHtml;
@endphp
|
12 |
Resume Analisa Rek Koran |
: |
|
|
{!! nl2br($invoice->proposalInvoicer->analisa_rek_koran) !!}
|
13 |
Informasi Payor |
: |
{!! nl2br($invoice->proposalInvoicer->informasi_payor) !!} |
14 |
Analisis SWOT |
: |
STRENGTHS (S)
{{ $invoice->proposalInvoicer->strengths }}
WEAKNESSES (W)
{{ $invoice->proposalInvoicer->weaknesses }}
OPPORTUNITIES (O)
{{ $invoice->proposalInvoicer->opportunities }}
THREATS (T)
{{ $invoice->proposalInvoicer->threats }}
|
15 |
Resume |
: |
|
|
{!! nl2br($invoice->proposalInvoicer->mup_resume) !!}
|
16 |
Dokumentasi |
: |
|
|
{{-- --}}
@foreach (json_decode($creditApplicationBusiness->visitDocumentationImage) as $key => $visitImage)
{{--
|
17 |
Form Scoring |
: |
|
No |
Variable |
Weight |
Criteria |
Description |
Calculation |
Score |
Value |
Formula |
1 |
NILAI
PRODUCT (Perbandingan antara nilai project dengan pendapatan 1 tahun) |
5% |
5 :
< 20% dari pendapatan tahunan
4 : => 20% &
< 40%
3 : => 40% &
< 60%
2 : => 60% &
< 90%
1 : => 90% > dari pendapatan tahunan
|
PO/INVOICE |
2.000.000.000 |
Penjualan |
7.209.224.129 |
|
26% |
4 |
0,2 |
Nilai
Project/Total Pendapatan dalam 1 tahun |
2 |
Client /
Bouwheer |
10% |
5 : Perusahaan TBK/Multinasional : Perusahaan privat skala nasional (reputasi
baik :
tidak masuk daftar hitam nasional,
bersih gugatan pidana) dengan history pembayaran ke peminjam minamal 3x dalam 24
bulan terkahir
4 : => Perusahaan TBK/Multinasional belum ada history pembayaran ke peminjam 3x
daam
24 bulan terkahir
3 : => BUMN non publik
2 : => Perusahaan privat beroperasi min.2 tahun
1 : => Perusahaan privat beroperasi <2 tahun
|
PT PERKEBUNAN MINANGA OGAN
|
5 |
5 |
0,5 |
|
3 |
Current
Ratio (CR) |
5% |
5 : => 5
4 : 3 - 5
3 : 2 - 3
2 : 1 - 2
1 :
<= 1
|
Current Asset |
9.294.117.449 |
Current Liabilities
|
9.079.880.226 |
|
1,8 |
2 |
0,1 |
|
4 |
Debt
Equity Ratio (DER) |
5% |
Skor 5 : DER
<= 0.5
Skor 4 : DER 0.5 - 1
Skor 3 : DER 1 - 1.5
Skor 2 : DER 1.5 - 2
Skor 1 : DER >= 2
|
Total Liabilities
|
9.079.880.226 |
Equitas |
6.345.888.377 |
|
1,8 |
2 |
0,1 |
|
5 |
Return
On Asset |
5% |
Skor 5 : ROA > 6%
Skor 4 : ROA 3% - 6%
Skor 3 : ROA 1.5% - 3%
Skor 2 : ROA 1% - 1.5%
Skor 1 : ROA
<= 1%
|
Laba bersih setelah
pajak |
1.245.163.204 |
Total Asset |
11.425.768.603 |
|
11% |
5 |
0,25
|
|
6 |
Return
On Equity |
5% |
Skor 5 : ROE => 40%
Skor 4 : ROE 30 - 39%
Skor 3 : ROE 20 - 29%
Skor 2 : ROE 10 - 19%
Skor 1 : ROE
<= 1 - 9
|
Laba bersih setelah
pajak |
1.245.163.204 |
Equitas/Modal |
6.345.888.377 |
|
20% |
3 |
0,15
|
|
7 |
Net
Profit Margin |
5% |
Skor 5 : NPM > 5%
Skor 4 : NPM 3% - 5%
Skor 3 : NPM 1.5% - 3%
Skor 2 : NPM 1% - 1.5%
Skor 1 : NPM
<= 1%
|
Laba bersih setelah
pajak |
1.245.163.204 |
Pendapatan Usaha
|
7.809.844.129 |
|
16% |
5 |
0,25
|
|
8 |
Riwayat
Pembayaran dari Payor |
5% |
5 : (tidak pernah terlambat 6 bulan terkahir)
4 : (pernah terlambat tidak lebih dari 30 hari dalam 6 bulan terkahir)
3 : NPM 1.5% - 3%
2 : NPM 1% - 1.5%
1 : NPM
<= 1%
|
|
16% |
5 |
0,15
|
|
9 |
Pengalaman Usaha |
5% |
5 : > 5 tahun
4 : 3 - 4 tahun
3 : 2 - 3 tahun
2 : 1 - 2 tahun
1 : Kurang dari 1 tahun
|
Berdiri sejak tahun 2019
|
5 |
5 |
0,25
|
|
10 |
Riwayat
Pembayaran Fintech Data Center (FDC) |
5% |
Skor 5 : DPD Lancar
Skor 3 : DPD 2 > 30 hari
Skor 1 : DPD > 30 hari
|
|
5 |
5 |
0,4 |
|
11 |
Sektor
Usaha Payor |
5% |
5 : Perdangangan
4 : Jasa
3 : Perindustrian / manufaktur
2 : Pertanian
1 : Peternakan dan lainnya
|
|
5 |
5 |
0,25
|
|
12 |
Jenis
Usaha Yang Dijalankan |
5% |
5 : Satu Jenis
4 : Dua Jenis Berhubungan
3 : Lebih Dari Dua Berhubungan
2 : Dua Jenis Tidak Berhubungan
1 : Lebih Dari Dua Tidak Berhubungan
|
|
5 |
5 |
0,25
|
|
13 |
Tenor
Pembiayaan |
5% |
5 :
< 30 hari
4 : 30 - 60 hari
3 : 60 - 90 hari
2 : 90 - 120 hari
1 : > 120 hari
|
|
5 |
5 |
0,15
|
|
14 |
Pefindo : Peminjam untuk borrower PT.
skor pefindo rata-rata berdasarkan skor pefindo :
- peminjam
- penjamin, dan
- komisaris plus direksi
|
10% |
PEFINDO
5 : Score 677 - 900
4 : Score 641 - 676
3 : Score 574 - 640
2 : Score 530 - 573
1 : Score 250 - 259
|
645
|
4 |
4 |
0,4 |
|
15 |
SALDO RATA-RATA (perbandingan antara saldo rata-rata dengan nominal total
pinjaman)
|
15% |
5 : > 100% dari jumlah pinjaman
4 : > 50% ,
<= 100%
3 : > 25% ,
<= 50%
2 : > 10% ,
<= 25%
1 :
<= 10% dari jumlah pinjaman
|
Saldo rata-rata
terakhir |
582.244.733 |
Total Pinjaman
(Existing dan Non Existing) |
2.729.389.192 |
|
20% |
2 |
0,3 |
Saldo rata-rata / Total pinjaman (C3 minta RKPG)
|
16 |
Survey
Borrower |
2,0%
|
Ya atau Tidak
|
Ya
|
Default
Score |
5 |
0,1 |
Umur
Akrif Nomor Telepon |
|
100%
|
TOTAL SCORING |
65 |
3,90
88 |
|