@inject('carbon', '\Carbon') @inject('constant', '\App\Util\Constant') Profil Borrower
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Profil
Penerima Pembiayaan

deskripsi penerima pembiayaan

{{ isset($creditApplication) ? nl2br($creditApplication->description) : '-' }}

 

pengurus & pemegang saham
@if (isset($creditApplicationBusinessManagement)) @php $commissioners = json_decode($creditApplicationBusinessManagement); @endphp @if (is_object($commissioners)) @forelse (json_decode($commissioners->commissionerName, true) as $key => $value) @empty @endforelse @else Data tidak valid @endif @endif @if (isset($creditApplicationBusinessManagement)) @php $directors = json_decode($creditApplicationBusinessManagement); @endphp @if (is_object($directors)) @forelse (json_decode($directors->directorName, true) as $key => $value) @empty @endforelse @else Data tidak valid @endif @endif @if (isset($creditApplicationBusinessManagement)) @if (is_array($shareHolderShareData)) @forelse ($shareHolderShareData as $index => $value) @empty @endforelse @else Data tidak valid @endif @endif

Dewan Komisaris
{{ $constant::MANAGEMENT_COMMISSIONER_LABELS[json_decode($commissioners->commissionerPosition, true)[$key]] }} : {{ $value }} Pefindo Score {{ json_decode($commissioners->commissionerPEFINDOScore, true)[$key] }}
FDC - {{ json_decode($commissioners->commissionerFDCScore, true)[$key] }}
Belum ada data direksi
 

Direksi
{{ $constant::MANAGEMENT_DIRECTOR_LABELS[json_decode($directors->directorPosition, true)[$key]] }} : {{ $value }} Pefindo Score {{ json_decode($directors->directorPEFINDOScore, true)[$key] }}
FDC - {{ json_decode($directors->directorFDCScore, true)[$key] }}
Belum ada data direksi
 

Pemegang Saham (%)
{{ $value['name'] }} : {{ $value['sharePercent'] . '%' }}
Belum ada data pemegang saham
 

profil perusahaan
Berdiri Tahun : {{ isset($creditApplicationBusiness->establishmentDeedDate) ? date('Y', strtotime($creditApplicationBusiness->establishmentDeedDate)) : '-' }}
Bidang Usaha : {{ isset($creditApplicationBusiness->economicSector) ? $constant::ECONOMIC_SECTOR_LABELS[$creditApplicationBusiness->economicSector] : '-' }}
Domisili : {{ isset($creditApplicationBusiness->currentProvince) ? $creditApplicationBusiness->currentProvince : '-' }}
NPWP : {{ isset($creditApplicationBusiness->taxNumber) ? $creditApplicationBusiness->taxNumber : '-' }}
NIB : {{ isset($creditApplicationBusiness->businessPermitNumber1) ? $creditApplicationBusiness->businessPermitNumber1 : '-' }}
Jumlah Karyawan : {{ isset($creditApplicationBusiness->totalEmployees) ? $constant::BUSINESS_TOTAL_EMPLOYEE_LABELS[$creditApplicationBusiness->totalEmployees] : '-' }}
Kepemilikan Kantor : {{ isset($creditApplicationBusiness->businessLocationOwnership) ? $constant::BUSINESS_LOCATION_OWNERSHIP_LABELS[$creditApplicationBusiness->businessLocationOwnership] : '-' }}

pefindo score & fintect data center
Pefindo : {{ isset($creditApplicationBusinessProposal) ? $creditApplicationBusinessProposal->kredit_skor_pefindo : '-' }}
FDC : {{ isset($creditApplicationBusinessProposal) ? $creditApplicationBusinessProposal->kredit_skor_fdc : '-' }}
 

struktur pembiayaan
Rating Pembiayaan : {{ isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->rating : '-' }}
Plafon Pembiayaan : {{ isset($creditApplicationBusiness) ? number_format($creditApplicationBusiness->totalPlafond, 0, ',', '.') : '-' }}
Maksimum Tenor : {{ isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->maksimum_tenor : '-' }}
Skema Pembiayaan : {!! isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->skema_pembiayaan : '-' !!}
Tujuan Pembiayaan : {{ isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->tujuan_pembiayaan : '-' }}
Kategori Payor : @php $kategori_payor = ""; if (isset($creditApplicationBusinessProfilBorrower) && !empty($creditApplicationBusinessProfilBorrower->kategori_payor)) { if (array_key_exists($creditApplicationBusinessProfilBorrower->kategori_payor, $constant::PAYOR_CATEGORIES)) { $kategori_payor = $constant::PAYOR_CATEGORIES[$creditApplicationBusinessProfilBorrower->kategori_payor]; } else { $kategori_payor = '#INVALID_KEY'; } } else { $kategori_payor = ''; } @endphp {{ $kategori_payor }}
Skema Pengembalian : {!! isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->skema_pengembalian : '-' !!}
 

jaminan pembiayaan
@if(isset($creditApplicationBusiness))
    @foreach(json_decode($creditApplicationBusiness->businessGuarantee) as $index => $item)
  1. {{ $constant::BUSINESS_GUARANTEE_LABELS[$item] }}
    2. @endforeach
@endif
 

riwayat pembiayaan
: Rp {{ getPriceNumber($summaryPembiayaan['totalPembiayaanAwal']) }}
: Rp {{ getPriceNumber($summaryPembiayaan['totalNilaiOutstanding']) }}
: {{ $summaryPembiayaan['jumlahTransaksiAwal'] }}
: {{ $summaryPembiayaan['jumlahTransaksiTepatWaktu'] }} @if ($summaryPembiayaan['jumlahTransaksiPercepat'] > 0) (pengembalian dipercepat : {{ $summaryPembiayaan['jumlahTransaksiPercepat'] }}) @endif
: {{ $summaryPembiayaan['jumlahTransaksiTerlambat'] }}

keunggulan bersaing
{{ isset($creditApplication) ? $creditApplication->competitiveAdvantageDescription : '-' }}
 

risiko
{!! isset($creditApplicationBusinessProfilBorrower) ? $creditApplicationBusinessProfilBorrower->risiko : '-' !!}
 

kinerja 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

 

 

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) }}

analisa laporan keuangan
{!! isset($creditApplicationBusinessFinancialPerformance) ? nl2br($creditApplicationBusinessFinancialPerformance->notes) : '-' !!}
 

analisa industri
{!! isset($creditApplicationBusinessProfilBorrower) ? nl2br($creditApplicationBusinessProfilBorrower->analisa_industri) : '-' !!}
 

informasi payor (klien)
@if(isset($invoices) && !empty($invoices)) {!! nl2br($informasiPayorList) !!} @else Belum ada pembiayaan @endif

dokumentasi
@if (isset($creditApplicationBusiness) && !empty($creditApplicationBusiness->visitDocumentationImage)) @foreach (json_decode($creditApplicationBusiness->visitDocumentationImage) as $index => $item) @endforeach @else Belum ada foto dokumentasi kunjungan @endif

PT. DUHA MADANI SYARIAH

Gedung Millennium Centenial Center Lantai 37 Unit B

Jl. Jenderal Sudirman Kav. 25 Kelurahan Karet,

Kecamatan Setiabudi Jakarta Selatan, 12920

Telp: 021-3026-5454

Berizin dan Diawasi oleh
Otoritas Jasa Keuangan
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