@inject('carbon', '\Carbon') @inject('constant', '\App\Util\Constant') @php $title = 'MEMORANDUM USULAN PEMBIAYAAN'; @endphp {{ $title }} @php $romawiBulan = ['I', 'II', 'III', 'IV', 'V', 'VI', 'VII', 'VIII', 'IX', 'X', 'XI', 'XII']; $invoiceDate = $invoice->createdAt; // $monthInvoiceDate = (int) date('m', strtotime($invoiceDate)); $monthInvoiceDate = (int) date('m', strtotime($carbon::now()->format('M'))); @endphp

No MUP

:

{{ $invoice->invoiceNumber }}/{{ $romawiBulan[$monthInvoiceDate - 1] }}/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 :
@php $noUrutGroupFormScoring = 1; $totalScore = 0; foreach ($creditApplicationBusinessFormScoring as $formScoring) { $arrParentScore = json_decode($formScoring->score, true); $sumParentScore = array_sum($arrParentScore); echo ""; $noUrutGroupFormScoring++; $totalScore += $sumParentScore; } @endphp

PARAMETER CREDIT SCORING PT DMS
Group Parameter Bobot Score
" . $noUrutGroupFormScoring . " " . $formScoring->parameterGroupParent->title . " " . $formScoring->parameterGroupParent->weight . "% " . $sumParentScore . "

@php $gradeText = ''; $gradeColor = ''; $riskRating = ''; $totalScore = (float) $totalScore; if ($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 {{ $riskRating }}
{{--
Catatan : Total Pinjaman
(Existing dan Non Existing)
DD Scoring 1 - 2.99 High Risk (Reject) Rencana pinjaman Duha Rp{{ getBillionMillionNumber($invoice->fundingValue) }}
CC 16% - 18% Scoring 3 - 3.65 Medium Risk Hutang lainnya Rp{{ getBillionMillionNumber($totalOtherDebts) }}
BB 14% - 16% Scoring 3.66 - 3.99 Low Risk
AA 12% - 14% Scoring 4.00 - 5.00 Very Low Risk Existing dan Non Existing Rp{{ getBillionMillionNumber($invoice->fundingValue + $totalOtherDebts) }}
--}}
@php $tdImageTandaTangan = ''; if ($creditApplication->status === 'VERIFICATION_STAFF' || $creditApplication->status === 'VERIFICATION_SCF') { $tdImageTandaTangan .= ' '; } elseif ($creditApplication->status === 'VERIFICATION_CMO') { $tdImageTandaTangan .= ' '; } elseif ($creditApplication->status === 'VERIFICATION_CEO' || $creditApplication->status === 'APPROVED') { $tdImageTandaTangan .= ' '; } else { $tdImageTandaTangan = ''; } echo $tdImageTandaTangan; @endphp
Merkomendasikan Menyetujui
Financing Reviewer Manager Operasional Financing Reviewer Manager Operasional CMO Financing Reviewer Manager Operasional CMO CEO
Syahroni
Financing Reviewer
Yudhistira
Manager Operasional
M Hanif Amir
CMO
Hot Asi
CME


Catatan Pemutus :