@inject('carbon', '\Carbon') @inject('constant', '\App\Util\Constant') @php $financingData = [ [ 'label' => 'Jumlah Pembiayaan', 'value' => 'Rp ' . getPriceNumber($invoice->submissionValue), 'indent' => false ], [ 'label' => 'Jenis Pembiayaan', 'value' => $invoice->loanType, 'indent' => false ], [ 'label' => 'Tujuan Pembiayaan', 'value' => $invoice->financingPurposes, 'indent' => false ], [ 'label' => 'Rating', 'value' => $invoice->rating, 'indent' => false ], [ 'label' => 'Payor', 'value' => $invoice->payorName, 'indent' => false ], [ 'label' => 'Ujroh/Fee Per Tahun', 'value' => 'Eqv ' . number_format((float)(($invoice->investorMarginRate * $invoice->marginRate) / 100), 2, ',', '') . '% flat', 'indent' => false ], [ 'label' => 'Tenor', 'value' => $invoice->period > 0 ? getPriceNumber($invoice->period) . ' bulan' : getPriceNumber($invoice->periodDay) . ' hari', 'indent' => false ], [ 'label' => 'Tanggal Penyaluran', 'value' => empty($invoice->adminFeeDate) ? '-' : parseDateToIndonesian(Carbon\Carbon::parse($invoice->adminFeeDate)->format('d M Y')), 'indent' => false ], [ 'label' => 'Jatuh Tempo Pengembalian', 'value' => empty($invoice->emailDueDate) ? '-' : parseDateToIndonesian(Carbon\Carbon::parse($invoice->emailDueDate)->format('d M Y')), 'indent' => false ], [ 'label' => 'Skema Pengembalian', 'value' => (is_int($invoice->period) && $invoice->period > 3) ? 'Pokok dibayar saat jatuh tempo dan ujroh dibayarkan perbulan' : 'Pokok dan ujroh/fee dibayar saat jatuh tempo', 'indent' => true ] ]; $profileData = [ [ 'label' => 'Nama (Inisial)', 'value' => getCompanyInitialName( $creditApplicationBusiness->businessName, $creditApplicationBusiness->businessType, $creditApplication->creditType ), 'indent' => false ], [ 'label' => 'Bidang Usaha', 'value' => $creditApplicationBusiness->businessField, 'indent' => false ], [ 'label' => 'Berdiri Tahun', 'value' => parseDateToIndonesian($carbon::parse($creditApplicationBusiness->establishmentDeedDate)->format('Y')), 'indent' => false ], [ 'label' => 'Domisili', 'value' => $creditApplicationBusiness->currentCity, 'indent' => false ], [ 'label' => 'NPWP', 'value' => $creditApplicationBusiness->taxNumber, 'indent' => false ], [ 'label' => 'NIB', 'value' => $creditApplicationBusiness->businessPermitNumber1, 'indent' => false ], [ 'label' => 'Informasi Kelompok Usaha (Afiliasi)', 'value' => 'TIdak ada', 'indent' => false ] ]; // Prepare report dates $financial = $creditApplicationBusiness->creditApplicationBusinessFinancialPerformance; $formatDate = function($date) { if (empty($date)) return ""; try { $parsed = parseDateToIndonesian(Carbon\Carbon::parse($date)->format('M-Y')); $parts = explode("-", $parsed); return substr($parts[0], 0, 3) . '-' . $parts[1]; } catch (\Throwable $th) { return ""; } }; $reportDate = $formatDate($financial->reportDate); $reportDate2 = $formatDate($financial->reportDate2); // Define financial data structure $financialSections = [ [ 'title' => 'Neraca', 'items' => [ ['label' => 'Total Current Aset', 'value1' => $financial->totalCurrentAsset, 'value2' => $financial->totalCurrentAsset2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Total Aset', 'value1' => $financial->totalAsset, 'value2' => $financial->totalAsset2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Total Current Liabilities', 'value1' => $financial->totalCurrentLiabilities, 'value2' => $financial->totalCurrentLiabilities2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Total Liabilities', 'value1' => $financial->totalLiabilities, 'value2' => $financial->totalLiabilities2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Ekuitas', 'value1' => $financial->ekuitas, 'value2' => $financial->ekuitas2, 'formatter' => 'getBillionMillionNumber'], ] ], [ 'title' => 'Laba / (Rugi)', 'items' => [ ['label' => 'Pendapatan Usaha', 'value1' => $financial->operatingRevenues, 'value2' => $financial->operatingRevenues2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Laba Kotor', 'value1' => $financial->grossProfit, 'value2' => $financial->grossProfit2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Laba Usaha Sebelum Pajak', 'value1' => $financial->profitBeforeTax, 'value2' => $financial->profitBeforeTax2, 'formatter' => 'getBillionMillionNumber'], ['label' => 'Laba Bersih Setelah Pajak', 'value1' => $financial->nettProfitAfterTax, 'value2' => $financial->nettProfitAfterTax2, 'formatter' => 'getBillionMillionNumber'], ] ], [ 'title' => 'Rasio Keuangan [%]', 'items' => [ ['label' => 'Return On Assets (ROA)', 'value1' => $financial->roa, 'value2' => $financial->roa2, 'formatter' => 'getFormattedNumber', 'suffix' => '%'], ['label' => 'Return On Equity (ROE)', 'value1' => $financial->roe, 'value2' => $financial->roe2, 'formatter' => 'getFormattedNumber', 'suffix' => '%'], ['label' => 'Debt To Equity (DER)', 'value1' => $financial->der, 'value2' => $financial->der2, 'formatter' => 'getFormattedNumber'], ['label' => 'Net Profit Margin (NPM)', 'value1' => $financial->npm, 'value2' => $financial->npm2, 'formatter' => 'getFormattedNumber', 'suffix' => '%'], ['label' => 'Quick Ratio', 'value1' => $financial->currentRatio, 'value2' => $financial->currentRatio2, 'formatter' => 'getFormattedNumber'], ] ] ]; $pefindoFdcScore = [ [ 'label' => 'PEFINDO', 'value' => $invoice->proposalInvoicer->kredit_skor_pefindo, 'indent' => false ], [ 'label' => 'FDC', 'value' => $invoice->proposalInvoicer->kredit_skor_fdc, 'indent' => false ], ]; $historyItems = [ [ 'label' => 'Total Nilai Pembiayaan Sejak Awal', 'value' => 'Rp ' . getPriceNumber($summaryPembiayaan['totalPembiayaanAwal']), 'note' => '' ], [ 'label' => 'Total Nilai Outstanding', 'value' => 'Rp ' . getPriceNumber($summaryPembiayaan['totalNilaiOutstanding']), 'note' => '' ], [ 'label' => 'Jumlah Transaksi Pembiayaan Sejak Awal', 'value' => $summaryPembiayaan['jumlahTransaksiAwal'], 'note' => '' ], [ 'label' => 'Jumlah Transaksi Pengembalian Lancar', 'value' => $summaryPembiayaan['jumlahTransaksiTepatWaktu'], 'note' => 'Dipercepat : ' . $summaryPembiayaan['jumlahTransaksiPercepat'] ], [ 'label' => 'Jumlah Transaksi Pengembalian Terlambat (>7 Hari)', 'value' => $summaryPembiayaan['jumlahTransaksiTerlambat'], 'note' => '' ] ]; @endphp Document
logo

FACT SHEET

No Invoice

:

{{ $invoice->invoiceNumber }}

Tanggal

:

{{ empty($invoice->createdAt) ? "" : parseDateToIndonesian($carbon::parse($invoice->createdAt)->format('d M Y')) }}

DETAIL PEMBIAYAAN

@foreach($financingData as $item) @endforeach

{{ $item['label'] }}

:

@if($item['indent']) {{ $item['value'] }} @else {{ $item['value'] }} @endif

JAMINAN

@if (empty($creditApplicationBusiness->businessGuarantee)) @else @foreach (json_decode($creditApplicationBusiness->businessGuarantee) as $item) @endforeach @endif
Tidak ada jaminan
- {{ $constant::BUSINESS_GUARANTEE_LABELS[$item] }}

PROFIL PENERIMA PEMBIAYAAN

@foreach($profileData as $item) @endforeach

{{ $item['label'] }}

:

@if($item['indent']) {{ $item['value'] }} @else {{ $item['value'] }} @endif

INFORMASI USAHA

@if (empty($creditApplication->description)) @else @endif
Tidak ada informasi usaha
{!! nl2br($creditApplication->description) !!}

KINERJA KEUANGAN

@foreach($financialSections as $section) @foreach($section['items'] as $item) @endforeach @endforeach

Laporan Keuangan (dalam juta Rp.)

{{ $reportDate }}

{{ $reportDate2 }}

{{ $section['title'] }}

{{ $item['label'] }}

{{ $item['formatter']($item['value1'], 2) }}{{ isset($item['suffix']) ? $item['suffix'] : '' }}

{{ $item['formatter']($item['value2'], 2) }}{{ isset($item['suffix']) ? $item['suffix'] : '' }}

Catatan kinerja keuangan :
{!! nl2br($financial->notes) !!}

KEUNGGULAN BERSAING

{!! nl2br($creditApplication->competitiveAdvantageDescription) !!}

PEFINDO & FINTECH DATA CENTER SCORE

@foreach($pefindoFdcScore as $item) @endforeach

{{ $item['label'] }}

:

@if($item['indent']) {{ $item['value'] }} @else {{ $item['value'] }} @endif

ANALISA RESIKO

{!! nl2br($invoice->proposalInvoicer->analisa_risk_note) !!}

Jenis Resiko:

{!! nl2br($invoice->proposalInvoicer->analisa_risk_jenis) !!}

Mitigasi Resiko:

{!! nl2br($invoice->proposalInvoicer->analisa_risk_mitigasi) !!}

INFORMASI PAYOR

{!! nl2br($invoice->proposalInvoicer->informasi_payor) !!}

RIWAYAT PEMBIAYAAN

@foreach($historyItems as $item) @endforeach

{{ $item['label'] }}

:

{{ $item['value'] }} @if(!empty($item['note'])) ({{ $item['note'] }}) @endif

Wajib Diperhatikan:

Mohon untuk membaca dan memahami informasi pembiayaan ini karena mengandung potensi risiko yang dapat mengakibatkan kerugian. Duha Syariah tidak memberikan rekomendasi, usulan, paksaan, dan tidak menjamin risiko yang mungkin terjadi.

{{--

Mohon untuk membaca dan memahami informasi pembiayaan ini karena mengandung potensi risiko yang dapat mengakibatkan kerugian. Duha Syariah tidak memberikan rekomendasi, usulan, paksaan, dan tidak menjamin risiko yang mungkin terjadi.

--}}