@inject('carbon', '\Carbon') @inject('constant', '\App\Util\Constant') @php $title = 'MEMORANDUM USULAN PEMBIAYAAN'; @endphp {{ $title }}

No MUP

:

{{ $invoice->invoiceNumber }}/IV/MUP-DMS/{{ $carbon::now()->format('Y') }}
logo

Tanggal

:

{{ parseDateToIndonesian($carbon::now()->format('d M Y')) }}

Penerima Pembiayaan

:

{{ $creditApplicationBusiness->businessType . ' ' . $creditApplicationBusiness->businessName }}

Produk

:

{{ $constant::INVOICE_LOAN_TYPE_LABELS[$invoice->loanType] }}

Bidang Usaha

:

{{ $creditApplicationBusiness->businessField }}

Rating

:

{{ $invoice->rating }}

Deviasi

:

{{ $constant::YES_NO_LABELS[$invoice->proposalInvoicer->deviasi] }}

{{ $title }}
{{-- --}}
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) @php $noCommissioner++; @endphp @endforeach @php $directors = json_decode($creditApplicationBusinessManagement); $noDirector = $noCommissioner; @endphp @foreach (json_decode($directors->directorName, true) as $key => $value) @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) @php $noShareHolder++; @endphp @endforeach
{{ $noCommissioner }}. {{ ucwords($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] }}%
{{ $noDirector }}. {{ ucwords($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] }}%
{{ $noShareHolder }}. {{ $data['shareHolderName'] }}
Rp
{{ number_format($data['shareValue'], 0, ',', '.') }}
{{ $data['sharePercent'] }}%
5 Laporan Keuangan : @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

Laporan Keuangan (dalam juta Rp.)

{{ $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 = ' '; $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 .= ' '; } $accountMutationHtml .= '
' . $accountMutation->bank->name . ' (' . $accountMutation->bankAccountNumber . ') A.N. ' . strtoupper($accountMutation->bankAccountOwnerName) . '
Periode Debit Kredit Saldo
' . 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(',', '', $mutation['balance'])), 0, ',', '.') . '
Total Rp' . number_format($totalDebit, 0, ',', '.') . ' Rp' . number_format($totalCredit, 0, ',', '.') . '
'; echo $accountMutationHtml; } @endphp
11 Info Mutasi Rekening : @php $grandTotalAvgTotalDebit = 0; $grandTotalAvgTotalCredit = 0; $grandTotalAvgTotalBalance = 0; $summaryAccountMutationHtml = ' '; foreach ($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 .= ' '; } $summaryAccountMutationHtml .= '
Bank Avg. Saldo Akhir Avg. Kredit
' . $accountMutation->bank->name . ' ****' . substr($accountMutation->bankAccountNumber, -3) . ' Rp' . number_format(round($avgTotalBalance, PHP_ROUND_HALF_UP), 0, ',', '.') . ' Rp' . number_format(round($avgTotalCredit, PHP_ROUND_HALF_UP), 0, ',', '.') . '
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) {{--
--}}
visitDocumentationImage{{ $key + 1 }}
@endforeach
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 :
  1. peminjam
  2. penjamin, dan
  3. 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
Catatan : Total Pinjaman
(Existing dan Non Existing)
DD Scoring 1 - 2.99 High Risk (Reject) Rencana pinjaman Duha 2.000.000.000
CC 16% - 18% Scoring 3 - 3.65 Medium Risk Hutang lainnya 729.389.192
BB 14% - 16% Scoring 3.66 - 3.99 Low Risk
AA 12% - 14% Scoring 4.00 - 5.00 Very Low Risk Existing dan Non Existing 2.729.389.192

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