1 |
Nama Penerima Pembiayaan |
: |
{{ $recipient }}
|
|
Alamat perusahaan saat ini |
: |
{{ $creditApplicationBusiness->currentAddress }},
Kel.{{ $creditApplicationBusiness->currentVillage }},
Kec.{{ $creditApplicationBusiness->currentSubdistrict }},
{{ $creditApplicationBusiness->currentCity }},
{{ $creditApplicationBusiness->currentProvince }}
|
|
Alamat perusahaan sesuai NIB |
: |
{{ $creditApplicationBusiness->businessAddress }},
Kel.{{ $creditApplicationBusiness->businessVillage }},
Kec.{{ $creditApplicationBusiness->businessSubdistrict }},
{{ $creditApplicationBusiness->businessCity }},
{{ $creditApplicationBusiness->businessProvince }}
|
2 |
Nilai Limit |
: |
Rp {{ getPriceNumber($creditApplicationBusiness->totalPlafond) }}
|
{{--
3 |
Tenor |
: |
{{ $creditApplicationBusinessProposal->tenor }}
|
--}}
3 |
Nama Pengurus dan Pemegang Saham |
: |
|
|
@php
$commissioners = json_decode($creditApplicationBusinessManagement);
$noCommissioner = 1;
@endphp
@foreach (json_decode($commissioners->commissionerName, true) as $key => $value)
@php
$commissionerShareValue = json_decode($commissioners->commissionerShareValue, true)[$key];
$commissionerSharePercent = json_decode($commissioners->commissionerSharePercent, true)[$key];
@endphp
{{ $noCommissioner }}. |
{{ ucwords($value) . ' ' . '(' . $constant::MANAGEMENT_COMMISSIONER_ALIAS[json_decode($commissioners->commissionerPosition, true)[$key]] . ')' }}
|
@if ($commissionerShareValue == "" || $commissionerShareValue == null)
|
@else
Rp |
{{ number_format($commissionerShareValue, 0, ',', '.') }}
|
@endif
@if ($commissionerSharePercent == "" || $commissionerSharePercent == null)
|
@else
{{ $commissionerSharePercent }} %
|
@endif
@php
$noCommissioner++;
@endphp
@endforeach
@php
$directors = json_decode($creditApplicationBusinessManagement);
$noDirector = $noCommissioner;
@endphp
@foreach (json_decode($directors->directorName, true) as $key => $value)
@php
$directorShareValue = json_decode($directors->directorShareValue, true)[$key];
$directorSharePercent = json_decode($directors->directorSharePercent, true)[$key];
@endphp
{{ $noDirector }}. |
{{ ucwords($value) . ' ' . '(' . $constant::MANAGEMENT_DIRECTOR_ALIAS[json_decode($directors->directorPosition, true)[$key]] . ')' }}
|
@if ($directorShareValue == "" || $directorShareValue == null)
|
@else
Rp |
{{ number_format($directorShareValue, 0, ',', '.') }}
|
@endif
@if ($directorSharePercent == "" || $directorSharePercent == null)
|
@else
{{ $directorSharePercent }} %
|
@endif
@php
$noDirector++;
@endphp
@endforeach
@php
$shareHolders = json_decode($creditApplicationBusinessManagement);
$combinedData = [];
$shareHolderName = json_decode($shareHolders->shareHolderName, true);
if (count($shareHolderName) <= 1 && $shareHolderName[0] == "") {
$combinedData = [];
} else {
foreach (json_decode($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
$shareHolderShareValue = $data['shareValue'];
$shareHolderSharePercent = $data['sharePercent'];
@endphp
{{ $noShareHolder }}. |
{{ $data['shareHolderName'] }} |
@if ($shareHolderShareValue == "" || $shareHolderShareValue == null)
|
@else
Rp |
{{ number_format($shareHolderShareValue, 0, ',', '.') }}
|
@endif
@if ($shareHolderSharePercent == "" || $shareHolderSharePercent == null)
|
@else
{{ $shareHolderSharePercent }} %
|
@endif
@php
$noShareHolder++;
@endphp
@endforeach
|
4 |
Laporan Keuangan |
: |
Laporan Keuangan (dalam juta Rp.)
|
@php
$reportDate = "";
$reportDate2 = "";
if (!empty($creditApplicationBusinessFinancialPerformance->reportDate)) {
$reportDate = parseDateToIndonesian(\Carbon::parse($creditApplicationBusinessFinancialPerformance->reportDate)->format('M-Y'));
$reportDate =substr(explode('-', $reportDate)[0], 0, 3) . '-' . explode('-', $reportDate)[1];
}
if (!empty($creditApplicationBusinessFinancialPerformance->reportDate2)) {
$reportDate2 = parseDateToIndonesian(\Carbon::parse($creditApplicationBusinessFinancialPerformance->reportDate2)->format('M-Y'));
$reportDate2 =substr(explode('-', $reportDate2)[0], 0, 3) . '-' . explode('-', $reportDate2)[1];
}
@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($creditApplicationBusinessFinancialPerformance->currentRatio2, 2) }}
|
|
5 |
Analisa Laporan Keuangan |
: |
{!! nl2br($creditApplicationBusinessFinancialPerformance->notes) !!}
|
6 |
PEFINDO Score |
: |
{{ $creditApplicationBusinessProposal->kredit_skor_pefindo }} |
7 |
FDC |
: |
{{ $creditApplicationBusinessProposal->kredit_skor_fdc }} |
8 |
Informasi Usaha |
: |
|
|
{!! nl2br($creditApplication->description) !!} |
9 |
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
|
10 |
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 $summaryAccountMutationHtml;
@endphp
|
11 |
Resume Analisa Rek Koran |
: |
{!! nl2br($creditApplicationBusinessProposal->analisa_rek_koran) !!} |
12 |
Informasi Payor |
: |
{!! nl2br($creditApplicationBusinessProposal->informasi_payor) !!} |
13 |
Analisis SWOT |
: |
STRENGTHS (S)
{!! nl2br($creditApplicationBusinessProposal->strengths) !!}
WEAKNESSES (W)
{!! nl2br($creditApplicationBusinessProposal->weaknesses) !!}
OPPORTUNITIES (O)
{!! nl2br($creditApplicationBusinessProposal->opportunities) !!}
THREATS (T)
{!! nl2br($creditApplicationBusinessProposal->threats) !!}
|
14 |
Resume |
: |
|
|
{!! nl2br($creditApplicationBusinessProposal->resume) !!}
|
15 |
Dokumentasi |
: |
|
|
@php
$visitDocumentationImage = null;
if (isset($creditApplicationBusiness->visitdocumentationimage)) {
$visitDocumentationImage = $creditApplicationBusiness->visitdocumentationimage;
} else {
$visitDocumentationImage = $creditApplicationBusiness->visitDocumentationImage;
}
@endphp
@foreach (json_decode($visitDocumentationImage) as $key => $visitImage)
|
@if (($key + 1) % 2 == 0)
@endif
@endforeach
|
16 |
Form Scoring |
: |
|
|
PARAMETER CREDIT SCORING PT DMS |
Group Parameter
|
Bobot |
Score |
@php
$noUrutGroupFormScoring = 1;
$totalScore = 0;
foreach ($creditApplicationBusinessFormScoring as $formScoring) {
$arrParentScore = json_decode($formScoring->score, true);
$sumParentScore = array_sum($arrParentScore);
echo "
" .
$noUrutGroupFormScoring .
" |
" .
$formScoring->parameterGroupParent->title .
" |
" .
$formScoring->parameterGroupParent->weight .
"% |
" .
number_format($sumParentScore, 2, ',', '.') .
" |
";
$noUrutGroupFormScoring++;
$totalScore += $sumParentScore;
}
@endphp
@php
$gradeText = '';
$gradeColor = '';
$riskRating = '';
$totalScore = (float) $totalScore;
if ($totalScore > 5.00) {
$totalScore = 5.00;
}
if ($totalScore >= 0 && $totalScore <= 2.99) {
$gradeText = 'High Risk (Reject)';
$gradeColor = '#C00000';
$riskRating = 'DD';
} elseif ($totalScore >= 3.0 && $totalScore <= 3.65) {
$gradeText = 'Medium Risk';
$gradeColor = '#FFFF00';
$riskRating = 'CC';
} elseif ($totalScore >= 3.66 && $totalScore <= 3.99) {
$gradeText = 'Low Risk';
$gradeColor = '#A9D08E';
$riskRating = 'BB';
} elseif ($totalScore >= 4.0 && $totalScore <= 5.0) {
$gradeText = 'Very Low Risk';
$gradeColor = '#00B050';
$riskRating = 'AA';
}
@endphp
Score |
{{ number_format($totalScore, 2, ',', '.') }} |
Grade |
{{ $gradeText }} |
Risk Rating |
{{ $riskRating }} |
|