XERPIUMKOPERASI

koperasi_base — Foundation

• Members — Extended res.partner: ID number, ID card, RT/RW/village address, member type, status
• Branches — Multi-branch: Head Office, North/South/East Jakarta Branches
• Config — Singleton per company: savings interest rate, loans, penalties, grace period
• Documents — KYC: ID card, family card, payslip, photo, tax ID, business license, certificates
• Sequences — KOP/YYYY/NNNNN (members), auto-generated
• RBAC — 4 level: Member → Staff → Manager → Admin

koperasi_savings — Savings

• 5 Savings Products — Principal (0%), Mandatory (4%), Voluntary (5%), 12-month Term (7.5%), Holiday (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: compute daily interest, post GL entries automatically
• GL Integration — Deposit: DR Bank / CR Savings; Withdrawal: DR Savings / CR Bank

koperasi_loan — Loans

• 4 Loan Products — Consumptive (flat 1.5%), Productive (flat 1.2%), Working Capital (reducing 18%), Emergency (flat 1%)
• Application — APP/YYYY/MM/NNNN: draft → submitted → reviewed → approved → disbursed / rejected
• Loan — LN/YYYY/NNNNN: principal, admin fee, due date, 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 Receivables / CR Bank; Payment: DR Bank / CR Receivables + Interest Income

koperasi_portal — Self-Service

• Member Dashboard — Total savings, active loans, next installment
• Savings View — Savings account list, transaction details, history
• Loan View — Loan list, installment schedule, payment status
• Loan Application — Online loan application form via portal
• Mobile Ready — Responsive design, HTML5 validation
• Portal Routes — /koperasi, /koperasi/savings, /koperasi/loans, /koperasi/apply

Koperasi ↔ Accounting

• Double-Entry GL — Every savings & loan transaction automatically generates a journal entry
• Cooperative COA — 26 specific accounts, 52 account groups (assets, liabilities, equity, revenue, expenses)
• Financial Reports — Balance Sheet, P&L, Trial Balance, Comparative P&L
• Interest Posting — Monthly cron: debit interest expense, credit savings interest payable
• SHU Distribution — Surplus (SHU) per member based on savings & loans
• Multi-Currency — Multi-currency transactions, exchange rate auto-sync
• Bank Reconciliation — Automatic bank reconciliation for cooperative transactions

Koperasi ↔ Sales

• Sale Order — Cooperative product/service sales: principal savings, dues, merchandise
• Invoice Generation — Automatic invoice from sale order, including VAT
• Customer Portal — Members can view invoices, download PDFs, pay online
• Revenue Tracking — Dashboard: total revenue, avg order value, monthly trend
• Dunning — Automatic reminders for overdue invoices via email/SMS
• Credit Limit — Credit limit per member, auto-check before approval
• Loyalty Program — Reward points for repeat transactions

Koperasi ↔ Purchase

• Purchase Order — Operational goods procurement: stationery, furniture, IT equipment
• Vendor Management — Supplier database, rating, payment terms, lead time
• RFQ Workflow — Request for Quotation → 3 quotes → compare → select → PO
• Goods Receipt — Goods receipt with quality check, auto-update stock
• Vendor Bill — Supplier invoice, matched with PO & GR
• Payment Terms — NET 30, NET 60, installments, advance payment
• Cost Analysis — Budget vs actual per department/project

Koperasi ↔ Inventory

• Product Management — Cooperative product inventory: stationery, merchandise, books, assets
• Stock Management — Multi-warehouse, locations, lot tracking, serial numbers
• Stock Adjustment — Physical stocktake, stock variance, write-off
• Internal Transfer — Transfers between warehouses/branches with approval
• Reorder Rules — Min/max stock level, auto purchase request when stock is low
• Valuation — FIFO, Average Cost, real-time stock value
• Barcode — Barcode scanning for receiving, picking, packing

Koperasi ↔ POS (Point of Sale)

• Koperasi Store — POS for direct sales: grocery store, stationery, merchandise
• Payment Methods — Cash, debit/credit card, QRIS, e-wallet, savings deduction
• Membership Discount — Automatic discount based on membership tier
• Loyalty Points — Points accumulation from every POS transaction
• Real-Time Stock — Every POS sale automatically updates warehouse stock
• Receipt — Printed receipt with cooperative name, address, tax ID
• Cash Control — Opening balance, cash in/out, closing reconciliation

Koperasi ↔ HR

• Employee Management — Employee data: ID number, BPJS, tax ID, bank account
• Payroll — Basic salary, allowances, deductions (cooperative loans, BPJS, tax)
• Loan Deduction — Auto-deduct loan installments from payslip
• Attendance — Check-in/check-out, overtime, leave
• Leave Management — Leave request, 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 — Monthly revenue, monthly cost, top members, top suppliers
• ORM Sources — Sales, purchases, invoices, partners, employees
• AI Generate — Natural language → complete dashboard via DeepSeek
• NL → SQL — Natural language → SQL query real-time
• Chart Insight — AI analysis of trends, peaks, anomalies, recommendations
• Copilot Chat — SSE-streamed chat with dashboard context

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 — Run method when a record enters a stage
• RBAC — Staff submit, Manager approve, Admin config

Koperasi ↔ AI Assistant

• Natural Language — "What is member X's total savings?" "Create an invoice for Y"
• Report Generation — Generate financial reports via chat
• Data Lookup — Search members, check balances, view installment schedules
• Automated Tasks — Create journal entries, post interest, mark overdue
• Multilingual — EN, ID, and 9 other languages
• 100+ Tools — Tools for accounting, sales, purchase, inventory, HR

Koperasi ↔ Customs & Coretax

• VAT e-Faktur — Auto-generate tax invoices from sales transactions
• Tax base/VAT/Luxury Goods Tax — Automatic tax calculation from invoice
• VAT Return — Real-time output & input VAT reports
• NPWP Validation — Automatic counterparty tax ID validation
• Coretax Upload — Bulk e-Faktur upload to Coretax via API
• Invoice Returns — Integrated invoice returns & cancellations

Koperasi ↔ Multi-Company

• Multi-Branch — Head Office + North/South/East Jakarta Branches
• Inter-Branch Transfer — Fund transfer between branches with auto journal
• Consolidation — Consolidated Balance Sheet & P&L for all branches
• Shared Master Data — Products, accounts, members can be shared across branches
• Branch Reporting — Report per branch or combined
• Centralized Config — Interest rates, fees, limits controlled centrally

Koperasi ↔ Website & Portal

• Member Portal — Self-service: check balance, schedule, loan requests
• Public Website — Cooperative profile, products, FAQ, contact
• Blog — Financial education articles, cooperative news
• Live Chat — Customer support via website
• Email Marketing — Newsletter, promotions, installment reminders
• SMS Gateway — Automatic notifications: deposit, withdrawal, installment

Koperasi Chart of Accounts

Financial Reports

• Balance Sheet — Current Assets: Cash, Receivables, Inventory; Non-Current Assets: Fixed Assets, Investments
• Profit & Loss (P&L) — Revenue: Loan Interest, Provision, Penalties; Expenses: Savings Interest, Operating
• Comparative Profit & Loss — Period comparison (month/year)
• Trial Balance — Balance list of all accounts for verification
• SHU Report — Surplus (SHU) per member based on savings
• NPL Report — Non-Performing Loan analysis & aging