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ERP Koperasi Simpan Pinjam

XERPIUMKOPERASI

Solusi ERP Lengkap untuk Koperasi — Simpanan, Pinjaman, Portal Anggota, Dashboard & Accounting

8 Modul
50+ Model
100+ Test Cases
100% GL Integrated
Ringkasan

Ekosistem ERP Koperasi Lengkap

XERPIUM KOPERASI adalah ekosistem modul ERP koperasi simpan pinjam yang terintegrasi penuh dengan accounting, sales, purchase, inventory, HR, dan AI assistant.

💰
SIMPANAN
Pokok, Wajib, Sukarela, Berjangka
💳
PINJAMAN
Flat & Reducing Balance
🌐
PORTAL
Self-Service Anggota
📈
DASHBOARD
KPI Real-Time
Foundation

Modul Inti Koperasi

🏢

koperasi_base — Foundation

  • Members — Res partner extended: NIK, KTP, alamat RT/RW/kelurahan, tipe anggota, status
  • Branches — Multi-cabang: Kantor Pusat, Cabang Jakarta Utara/Selatan/Timur
  • Config — Singleton per company: suku bunga simpanan, pinjaman, denda, grace period
  • Documents — KYC: KTP, KK, slip gaji, foto, NPWP, SIUP, sertifikat
  • Sequences — KOP/YYYY/NNNNN (anggota), auto-generated
  • RBAC — 4 level: Member → Staff → Manager → Admin
💰

koperasi_savings — Simpanan

  • 5 Produk Simpanan — Pokok (0%), Wajib (4%), Sukarela (5%), Berjangka 12bln (7.5%), Hari Raya (6%)
  • Savings Account — SAV/YYYY/NNNNNN, balance stored, interest accrued YTD
  • Transactions — TRX/YYYY/MM/NNNNN: deposit, withdrawal, interest, fee, transfer, correction
  • Withdrawal — WDR/YYYY/MM/NNNNN: draft → submitted → approved → completed / rejected
  • Interest Posting — Monthly cron: hitung bunga harian, post GL entry otomatis
  • GL Integration — Deposit: DR Bank / CR Simpanan; Withdrawal: DR Simpanan / CR Bank
💳

koperasi_loan — Pinjaman

  • 4 Produk Pinjaman — Konsumtif (flat 1.5%), Produktif (flat 1.2%), Modal Usaha (reducing 18%), Darurat (flat 1%)
  • Application — APP/YYYY/MM/NNNN: draft → submitted → reviewed → approved → disbursed / rejected
  • Loan — LN/YYYY/NNNNN: principal, admin fee, jatuh tempo, outstanding balance
  • Amortization — Flat: equal principal + constant interest; Reducing: PMT annuity formula
  • Overdue — Daily cron: mark overdue installments, penalty calculation, grace period
  • Guarantor — Collateral description, guarantor data, document upload
  • GL Integration — Disbursement: DR Piutang / CR Bank; Payment: DR Bank / CR Piutang + Pendapatan Bunga
🌐

koperasi_portal — Self-Service

  • Member Dashboard — Total simpanan, pinjaman aktif, angsuran berikutnya
  • Savings View — Daftar rekening simpanan, detail transaksi, riwayat
  • Loan View — Daftar pinjaman, jadwal angsuran, status pembayaran
  • Loan Application — Form pengajuan pinjaman online via portal
  • Mobile Ready — Responsive design, HTML5 validation
  • Portal Routes — /koperasi, /koperasi/savings, /koperasi/loans, /koperasi/apply
📷
Screenshot: Koperasi Member Dashboard
Total Simpanan, Pinjaman Aktif, Angsuran Berikutnya — Portal Anggota
Serba Usaha

Koperasi Serba Usaha

Selain simpan pinjam, XERPIUM KOPERASI mendukung unit usaha retail, distribusi, logistik, dan lainnya — semuanya terintegrasi dengan accounting & inventory.

🛒
RETAIL
Toko & Minimarket
📦
DISTRIBUTION
Supply Chain
🚚
LOGISTIK
Pengiriman & Gudang
⚙
PRODUKSI
Manufacturing

🛒 Retail — Toko & Minimarket

POS Inventory Loyalty
  • Point of Sale — Multi-kasir, multi-payment (tunai, kartu, QRIS, e-wallet, potong simpanan)
  • Product Catalog — SKU, barcode, harga jual, diskon, pajak, gambar
  • Stock Management — Multi-gudang, real-time stock, reorder rules, stock opname
  • Membership Integration — Diskon otomatis berdasarkan tier, loyalty points
  • Promotion Engine — Bundle, buy-1-get-1, happy hour, seasonal discount
  • Receipt & Report — Struk cetak, daily sales report, cash control
  • E-Commerce — Online catalog, order via WhatsApp, delivery scheduling

📦 Distribution — Supply Chain

Sales Order Delivery Fleet
  • Sales Order — PO dari pelanggan → delivery order → invoice
  • Route Planning — Rute pengiriman optimal, manifest, proof of delivery
  • Fleet Management — Kendaraan, driver, trip tracking, maintenance
  • Warehouse Operations — Picking, packing, cross-docking, cold chain
  • Customer Portal — Pelanggan tracking order real-time via web
  • Invoice & Payment — Auto-invoice dari delivery, dunning, reconciliation
  • Analytics — Delivery performance, route efficiency, cost per km

🚚 Logistik — Pengiriman & Gudang

Freight Warehouse Cold Chain
  • Shipment Management — Create, track, deliver shipments with multi-carrier
  • Freight Forwarding — Customs clearance, shipping docs, AWB
  • Warehouse Zones — Storage zones, bin locations, putaway rules
  • Cross-Docking — Direct transfer tanpa storage untuk fast-moving goods
  • Cold Chain — Temperature monitoring, expiry tracking, compliance
  • Claims Management — Kerusakan/kehilangan, insurance claim, resolution
  • Rate Cards — Tarif per weight/volume/distance, service categories

⚙ Produksi — Manufacturing

BOM MO Quality
  • Bill of Materials — Multi-level BOM untuk produk olahan koperasi
  • Manufacturing Orders — Buat, konfirmasi, lacak produksi dari BOM
  • Work Centers — Mesin, line produksi, capacity planning
  • Quality Control — Control points, checks, alerts untuk produk jadi
  • Cost Accounting — WIP journal, cost rollup (material + labor + overhead)
  • Raw Material — Auto-purchase request saat bahan baku menipis
  • Finished Goods — Auto-update stock setelah MO selesai

💼 Jasa — Service Business

Project Timesheet
  • Project Management — Task, milestone, gantt chart, resource planning
  • Timesheet — Time tracking per project, billing rate per jam
  • Service Quotation — Penawaran jasa dengan detail scope & deliverables
  • Contract Management — SLA, renewal, recurring billing
  • Expense Tracking — Biaya proyek, reimbursement, cost allocation

🌱 Pertanian — Agriculture

Crop Livestock
  • Crop Management — Planting, harvesting, yield tracking per lahan
  • Livestock — Ternak registry, pen management, feed programs
  • Quality Grading — Grade A/B/C, moisture, contamination check
  • Cold Storage — Temperature monitoring, shelf life tracking
  • Contract Farming — Perjanjian dengan petani, harga jaminan
  • Traceability — Farm-to-table tracking untuk komoditas

🧼 Kebersihan & Perawatan

Service Schedule
  • Service Scheduling — Jadwal rutin: harian, mingguan, bulanan
  • Checklist — Template pekerjaan per area/tipe
  • Staff Assignment — Penugasan petugas berdasarkan lokasi
  • Quality Score — Penilaian kepuasan pelanggan
  • Material Usage — Tracking penggunaan bahan kimia/alat

🏢 Integrasi Simpan Pinjam & Serba Usaha

Unified GL Single DB
  • Single Chart of Accounts — COA gabungan: simpan pinjam + operasional bisnis
  • Consolidated Reporting — Neraca & P&L gabungan semua unit usaha
  • Inter-Unit Transfer — Transfer dana antar unit: retail → simpan pinjam
  • Member Cross-Sell — Anggota simpan pinjam → pelanggan retail/distribusi
  • Unified Dashboard — KPI gabungan: simpanan, pinjaman, penjualan, stok
  • SHU Distribution — SHU dari semua unit usaha didistribusikan ke anggota
  • Compliance — Laporan keuangan sesuai standar koperasi nasional
📷
Screenshot: Serba Usaha Dashboard
Retail Sales, Distribution Routes, Inventory Status, Manufacturing Orders — Unified View
Savings

Alur Simpanan

Workflow Simpanan

Anggota Daftar
→
Buka Rekening
→
Deposit
→
Saldo Bertambah
/
Withdrawal
→
Approval
→
Dana Cair

Produk Simpanan

ProdukSuku BungaMin DepositPenarikan
Simpanan Pokok0%Rp 100,000Tidak
Simpanan Wajib4%Rp 50,000Tidak
Simpanan Sukarela5%Rp 10,000Ya (1% fee <3bln)
Berjangka 12 Bulan7.5%Rp 1,000,000Ya (5% fee <12bln)
Hari Raya6%Rp 50,000Ya (3% fee <6bln)

Jurnal Akuntansi Simpanan

// Setoran Simpanan DR Bank Rp 500,000 CR Simpanan Pokok Rp 100,000 CR Simpanan Wajib Rp 50,000 CR Simpanan Sukarela Rp 350,000 // Penarikan Simpanan DR Simpanan Sukarela Rp 200,000 CR Bank Rp 198,000 CR Pendapatan Denda Rp 2,000 // Bunga Bulanan (Cron) DR Beban Bunga Simpanan Rp 25,000 CR Utang Bunga Simpanan Rp 25,000
Loans

Alur Pinjaman

Workflow Pinjaman

Pengajuan
→
Review
→
Approval
→
Pencairan
→
Angsuran
→
Lunas

Produk Pinjaman

ProdukMetodeSuku BungaJangka Waktu
KonsumtifFlat1.5%/bln3-36 bulan
ProduktifFlat1.2%/bln6-60 bulan
Modal UsahaReducing18%/thn12-60 bulan
DaruratFlat1.0%/bln1-12 bulan

Jurnal Akuntansi Pinjaman

// Pencairan Pinjaman DR Piutang Anggota Lancar Rp 10,000,000 CR Bank Rp 9,900,000 CR Pendapatan Provisi Rp 100,000 // Pembayaran Angsuran (Pokok + Bunga) DR Bank Rp 500,000 CR Piutang Anggota Rp 333,333 CR Pendapatan Bunga Rp 166,667 // Denda Keterlambatan DR Bank Rp 25,000 CR Pendapatan Denda Rp 25,000
📷
Screenshot: Loan Application & Amortization
Pengajuan Pinjaman, Jadwal Angsuran, Status Pembayaran
Analytics

Dashboard & Laporan

KPI real-time, laporan keuangan, SQL views untuk analisis mendalam.

14
Dashboard Widgets
3
Financial Reports
SQL
Views for Analytics

Dashboard KPI

  • Total Pendapatan — Sum amount_untaxed dari invoices
  • Total Pembelian — Sum amount_untaxed dari POs
  • Outstanding AR — Piutang belum dibayar
  • Anggota Teratas — Top customers by revenue
  • Pemasok Teratas — Top suppliers by cost
  • Pendapatan Bulanan — Area chart trend
  • Pembelian Bulanan — Line chart trend

Laporan Koperasi

  • Neraca (Balance Sheet) — Aset, Liabilitas, Ekuitas dengan 52 account groups
  • Laba Rugi (P&L) — Pendapatan, HPP, Beban Operasional, Non-Operasional
  • Laba Rugi Komparatif — Perbandingan antar periode
  • SQL Views — Savings report, loan portfolio, member analytics
  • NPL Ratio — Non-Performing Loan ratio otomatis
  • SHU Distribution — Sisa Hasil Usaha per anggota
📷
Screenshot: Dashboard Koperasi
KPI Tiles, Revenue Chart, Top Members, Outstanding AR — Dashboard Studio
Ecosystem

Integrasi Cross-Module

Koperasi terintegrasi penuh dengan seluruh ekosistem XERPIUM.

💰

Koperasi ↔ Accounting

  • Double-Entry GL — Setiap transaksi simpanan & pinjaman otomatis generate journal entry
  • COA Koperasi — 26 akun khusus, 52 account groups (aset, liabilitas, ekuitas, pendapatan, beban)
  • Financial Reports — Balance Sheet, P&L, Trial Balance, P&L Komparatif
  • Interest Posting — Monthly cron: debit beban bunga, credit utang bunga simpanan
  • SHU Distribution — Sisa Hasil Usaha per anggota berdasarkan simpanan & pinjaman
  • Multi-Currency — Transaksi multi-mata uang, exchange rate auto-sync
  • Bank Reconciliation — Rekonsiliasi bank otomatis untuk transaksi koperasi
📄

Koperasi ↔ Sales

  • Sale Order — Penjualan produk/layanan koperasi: simpanan pokok, iuran, merchandise
  • Invoice Generation — Invoice otomatis dari sale order, termasuk PPN
  • Customer Portal — Anggota bisa lihat invoice, download PDF, bayar online
  • Revenue Tracking — Dashboard: total revenue, avg order value, monthly trend
  • Dunning — Reminder otomatis untuk invoice overdue via email/SMS
  • Credit Limit — Limit kredit per anggota, auto-check sebelum approve
  • Loyalty Program — Poin reward untuk transaksi berulang
📦

Koperasi ↔ Purchase

  • Purchase Order — Pengadaan barang operasional: ATK, furniture, IT equipment
  • Vendor Management — Database supplier, rating, payment terms, lead time
  • RFQ Workflow — Request for Quotation → 3 quotes → compare → select → PO
  • Goods Receipt — Penerimaan barang dengan quality check, auto-update stock
  • Vendor Bill — Invoice dari supplier, matching dengan PO & GR
  • Payment Terms — NET 30, NET 60, cicilan, bayar di muka
  • Cost Analysis — Budget vs actual per departemen/proyek
📦

Koperasi ↔ Inventory

  • Product Management — Inventaris produk koperasi: ATK, merchandise, buku, aset
  • Stock Management — Multi-gudang, lokasi, lot tracking, serial numbers
  • Stock Adjustment — Opname fisik, selisih stock, write-off
  • Internal Transfer — Transfer antar gudang/cabang dengan approval
  • Reorder Rules — Min/max stock level, auto purchase request saat stok rendah
  • Valuation — FIFO, Average Cost, real-time stock value
  • Barcode — Barcode scanning untuk receiving, picking, packing
💳

Koperasi ↔ POS (Point of Sale)

  • Toko Koperasi — POS untuk penjualan langsung: toko kelontong, ATK, merchandise
  • Payment Methods — Tunai, kartu debit/kredit, QRIS, e-wallet, potong simpanan
  • Membership Discount — Diskon otomatis berdasarkan tier keanggotaan
  • Loyalty Points — Akumulasi poin dari setiap transaksi POS
  • Real-Time Stock — Setiap penjualan POS otomatis update stok gudang
  • Receipt — Struk cetak dengan nama koperasi, alamat, NPWP
  • Cash Control — Opening balance, cash in/out, closing reconciliation
👥

Koperasi ↔ HR

  • Employee Management — Data karyawan: NIK, BPJS, npwp, rekening bank
  • Payroll — Gaji pokok, tunjangan, potongan (pinjaman koperasi, BPJS, pajak)
  • Loan Deduction — Auto potong angsuran pinjaman dari slip gaji
  • Attendance — Check-in/check-out, overtime, cuti
  • Leave Management — Pengajuan cuti, approval, tracking
  • Performance — KPI, appraisal, training record
  • Recruitment — Job posting, applicant tracking, onboarding
📈

Koperasi ↔ Dashboard Studio

  • 14 Widgets — Tiles, area chart, line chart, bar chart, lists
  • SQL Sources — Revenue bulanan, cost bulanan, top members, top suppliers
  • ORM Sources — Sales, purchases, invoices, partners, employees
  • AI Generate — Natural language → dashboard lengkap via DeepSeek
  • NL → SQL — Natural language → SQL query real-time
  • Chart Insight — AI analisis tren, peak, anomaly, rekomendasi
  • Copilot Chat — SSE-streamed chat dengan konteks dashboard
⚙

Koperasi ↔ Dynamic Stage

  • Loan Application — Draft → Submitted → Reviewed → Approved → Disbursed
  • Loan — Active → Overdue → Restructured → Paid Off
  • Savings Withdrawal — Draft → Submitted → Approved → Completed
  • Member — Active → Inactive → Suspended → Resigned
  • Python Hooks — Jalankan method saat record masuk stage
  • RBAC — Staff submit, Manager approve, Admin config
🤖

Koperasi ↔ AI Assistant

  • Natural Language — "Berapa total simpanan anggota X?" "Buat invoice untuk Y"
  • Report Generation — Generate laporan keuangan via chat
  • Data Lookup — Cari anggota, cek saldo, lihat jadwal angsuran
  • Automated Tasks — Create journal entries, post interest, mark overdue
  • Multilingual — EN, ID, dan 9 bahasa lainnya
  • 100+ Tools — Tools untuk accounting, sales, purchase, inventory, HR
🌏

Koperasi ↔ Bea Cukai & Coretax

  • e-Faktur PPN — Auto-generate faktur pajak dari transaksi penjualan
  • DPP/PPN/PPnBM — Perhitungan otomatis pajak dari invoice
  • SPT Masa PPN — Laporan PPN keluar & masuk real-time
  • NPWP Validation — Validasi NPWP lawan transaksi otomatis
  • Coretax Upload — Massal upload e-Faktur ke Coretax via API
  • Retur Faktur — Retur & pembatalan faktur terintegrasi
🏢

Koperasi ↔ Multi-Company

  • Multi-Cabang — Kantor Pusat + Cabang Jakarta Utara/Selatan/Timur
  • Inter-Branch Transfer — Transfer dana antar cabang dengan auto journal
  • Consolidation — Neraca & P&L konsolidasi semua cabang
  • Shared Master Data — Produk, akun, anggota bisa shared antar cabang
  • Branch Reporting — Laporan per cabang atau gabungan
  • Centralized Config — Suku bunga, fee, limit dikontrol dari pusat
🌐

Koperasi ↔ Website & Portal

  • Member Portal — Self-service: cek saldo, jadwal, pengajuan pinjaman
  • Public Website — Profil koperasi, produk, FAQ, kontak
  • Blog — Artikel edukasi keuangan, berita koperasi
  • Live Chat — Customer support via website
  • Email Marketing — Newsletter, promosi, reminder angsuran
  • SMS Gateway — Notifikasi otomatis: deposit, penarikan, angsuran
📷
Screenshot: Accounting Integration
GL Entries, Journal Items, Balance Sheet — Double-Entry Accounting
Accounting

Chart of Accounts & Laporan Keuangan

Chart of Accounts Koperasi

KodeNama AkunTipe
211001Simpanan PokokLiability
212001Simpanan WajibLiability
213001Simpanan SukarelaLiability
214001Simpanan BerjangkaLiability
121001Pinjaman Anggota LancarAsset
121002Pinjaman Anggota BerjangkaAsset
410001Pendapatan Bunga PinjamanIncome
420001Pendapatan Provisi/AdminIncome
430001Pendapatan DendaIncome
511001Beban Bunga SimpananExpense

Laporan Keuangan

  • Neraca (Balance Sheet) — Aset Lancar: Kas, Piutang, Persediaan; Aset Tidak Lancar: Aset Tetap, Investasi
  • Laba Rugi (P&L) — Pendapatan: Bunga Pinjaman, Provisi, Denda; Beban: Bunga Simpanan, Operasional
  • Laba Rugi Komparatif — Perbandingan antar periode (bulan/tahun)
  • Trial Balance — Daftar saldo semua akun untuk verifikasi
  • SHU Report — Sisa Hasil Usaha per anggota berdasarkan simpanan
  • NPL Report — Non-Performing Loan analysis & aging
📷
Screenshot: Balance Sheet & P&L
Laporan Keuangan Koperasi — Neraca, Laba Rugi, Trial Balance
Workflow

Dynamic Stage Workflow

Framework stage configurable untuk semua model koperasi — dengan Python hooks, server actions, dan RBAC.

Workflow Pipeline

Stage Enter
→
Python Hook
→
Server Action
→
RBAC Check
→
State Sync

Koperasi Workflows

ModelStages
Loan ApplicationDraft → Submitted → Reviewed → Approved → Disbursed
LoanActive → Overdue → Restructured → Paid Off
Savings WithdrawalDraft → Submitted → Approved → Completed
MemberActive → Inactive → Suspended → Resigned
DocumentDraft → Verified

Framework Features

  • Configurable per Model — Stage independen untuk setiap model
  • Python Hooks — Jalankan method saat record masuk stage
  • Server Actions — Automated actions on stage enter
  • RBAC Groups — Staff submit, Manager approve, Admin config
  • Native State Sync — Auto-sync stage ↔ native state field
  • Back Navigation — Support stage mundur (configurable)
Comparison

Mengapa XERPIUM KOPERASI?

Aspek Sistem Manual / Excel XERPIUM KOPERASI
Data Anggota Excel, rentan error ✓ Database terintegrasi, KYC lengkap
Simpanan Manual hitung, susah trace ✓ Auto interest, GL otomatis, multi produk
Pinjaman Kalkulasi manual, sering salah ✓ Flat & Reducing, amortization otomatis
Accounting Pisah sistem, rekonsiliasi sulit ✓ Double-entry, COA koperasi, B/S & P&L
Portal Anggota ✗ Tidak ada ✓ Self-service: cek saldo, jadwal, pengajuan
Dashboard ✗ Tidak ada ✓ 14 widgets, charts, SQL views
Multi-Cabang Sulit konsolidasi ✓ Multi-branch, inter-co transactions
Compliance Ribet audit trail ✓ Full audit trail, GL entries, report structure
AI Assistant ✗ Tidak ada ✓ 100+ tools, natural language
Dynamic Stage ✗ Tidak ada ✓ Configurable workflow per model
Platform

Fitur Unduhan XERPIUM

🤖

AI Assistant

100+ tools, natural language, multilingual. Buat laporan, cek data, generate invoice via chat.

📈

Dashboard Studio

19 chart types, AI auto-generate, NL→SQL, copilot chat. 33 industry dashboards.

⚙

Dynamic Stage

Configurable workflow untuk semua model. Python hooks, server actions, RBAC.

Portfolio

Portofolio Industri XERPIUM

IndustriModulDashboardReport
Inventory & WMS275+✓✓
Manufacturing230+✓✓
Purchase105✓✓
HR & Payroll29✓✓
Aerospace10✓✓
Accounting9✓✓
University9✓✓
Distribution8✓✓
Koperasi8✓✓
Retail & POS7+✓✓
Gold Mining & Refinery7✓✓
Aviation6✓✓
Coal Mining6✓✓
Hospital & Pharmacy6✓✓
Travel Haji & Umroh6✓✓
Logistics5✓✓
Hotel & Property5✓✓
Beauty Clinic5✓✓
Rental4✓✓
Livestock4✓✓
Fishery4✓✓
Software House4✓✓
Event Organizer4✓✓
Satellite City2✓✓
Education Foundation2✓✓
Food & Beverage1✓✓
Civil Construction1✓✓
Garment1✓✓
Agriculture1✓✓
Theme Park1✓✓
Data Center / IT1✓✓
Sawit / Palm Oil1✓✓
Feedmill1✓✓
Building Management1✓✓
Auditor1✓✓

Video

ERP Koperasi Simpan Pinjam: Simpanan, Pinjaman & Portal Anggota | Xerpium
ERP Koperasi Simpan Pinjam: Simpanan, Pinjaman & Portal Anggota | Xerpium
Tonton di YouTube: https://youtu.be/YsL9kSmepGI

XERPIUM KOPERASI

ERP Koperasi Simpan Pinjam — Terintegrasi Penuh

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