XERPIUM KOPERASI

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.

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RETAIL

Toko & Minimarket

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DISTRIBUTION

Supply Chain

🚚

LOGISTIK

Pengiriman & Gudang

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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

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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

Produk	Suku Bunga	Min Deposit	Penarikan
Simpanan Pokok	0%	Rp 100,000	Tidak
Simpanan Wajib	4%	Rp 50,000	Tidak
Simpanan Sukarela	5%	Rp 10,000	Ya (1% fee <3bln)
Berjangka 12 Bulan	7.5%	Rp 1,000,000	Ya (5% fee <12bln)
Hari Raya	6%	Rp 50,000	Ya (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

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Review

→

Approval

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Pencairan

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Angsuran

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Lunas

Produk Pinjaman

Produk	Metode	Suku Bunga	Jangka Waktu
Konsumtif	Flat	1.5%/bln	3-36 bulan
Produktif	Flat	1.2%/bln	6-60 bulan
Modal Usaha	Reducing	18%/thn	12-60 bulan
Darurat	Flat	1.0%/bln	1-12 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
        

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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

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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

Kode	Nama Akun	Tipe
211001	Simpanan Pokok	Liability
212001	Simpanan Wajib	Liability
213001	Simpanan Sukarela	Liability
214001	Simpanan Berjangka	Liability
121001	Pinjaman Anggota Lancar	Asset
121002	Pinjaman Anggota Berjangka	Asset
410001	Pendapatan Bunga Pinjaman	Income
420001	Pendapatan Provisi/Admin	Income
430001	Pendapatan Denda	Income
511001	Beban Bunga Simpanan	Expense

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

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Python Hook

→

Server Action

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RBAC Check

→

State Sync

Koperasi Workflows

Model	Stages
Loan Application	Draft → Submitted → Reviewed → Approved → Disbursed
Loan	Active → Overdue → Restructured → Paid Off
Savings Withdrawal	Draft → Submitted → Approved → Completed
Member	Active → Inactive → Suspended → Resigned
Document	Draft → 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

Industri	Modul	Dashboard	Report
Inventory & WMS	275+	✓	✓
Manufacturing	230+	✓	✓
Purchase	105	✓	✓
HR & Payroll	29	✓	✓
Aerospace	10	✓	✓
Accounting	9	✓	✓
University	9	✓	✓
Distribution	8	✓	✓
Koperasi	8	✓	✓
Retail & POS	7+	✓	✓
Gold Mining & Refinery	7	✓	✓
Aviation	6	✓	✓
Coal Mining	6	✓	✓
Hospital & Pharmacy	6	✓	✓
Travel Haji & Umroh	6	✓	✓
Logistics	5	✓	✓
Hotel & Property	5	✓	✓
Beauty Clinic	5	✓	✓
Rental	4	✓	✓
Livestock	4	✓	✓
Fishery	4	✓	✓
Software House	4	✓	✓
Event Organizer	4	✓	✓
Satellite City	2	✓	✓
Education Foundation	2	✓	✓
Food & Beverage	1	✓	✓
Civil Construction	1	✓	✓
Garment	1	✓	✓
Agriculture	1	✓	✓
Theme Park	1	✓	✓
Data Center / IT	1	✓	✓
Sawit / Palm Oil	1	✓	✓
Feedmill	1	✓	✓
Building Management	1	✓	✓
Auditor	1	✓	✓

XERPIUMKOPERASI