title: “Financial Goals” description: “Target keuangan perusahaan — 4 jenis goal, priority system, progress tracking, milestone monitoring, dan investment tracking di SNISHOP ERP.”

Financial Goals

Halaman Financial Goals digunakan untuk menetapkan dan memantau target keuangan perusahaan. Sistem mendukung 4 jenis goal (savings, debt_payoff, investment, expense_reduction), 3 level priority (low, medium, high), progress tracking real-time dari target_amount vs current_amount, dan notifikasi otomatis saat milestone tercapai. Setiap goal memiliki target_date untuk deadline dan visualisasi progress bar untuk monitoring cepat.

Arsitektur Financial Goals

Entity FinancialGoal

Field FinancialGoal

Field	Tipe	Deskripsi
name	string	Nama goal
goal_type	enum	savings, debt_payoff, investment, expense_reduction
target_amount	number	Nominal target
current_amount	number	Nominal saat ini
priority	enum	low, medium, high
target_date	date	Deadline pencapaian
description	string	Deskripsi goal
company_id	UUID	Multi-tenant isolation

4 Jenis Goal

Type	Deskripsi	Contoh
savings	Pengumpulan dana	Dana ekspansi, dana darurat, dana pembelian aset
debt_payoff	Pelunasan hutang	Lunas hutang bank, lunas hutang supplier
investment	Investasi	Portofolio saham, reksadana, properti
expense_reduction	Pengurangan biaya	Kurangi biaya operasional 20%

3 Level Priority

Priority	Warna	Use Case
High	Merah	Goal kritis, deadline dekat
Medium	Kuning	Goal penting, timeline normal
Low	Hijau	Goal jangka panjang, fleksibel

Create Financial Goal

Step-by-Step

Klik “Create Goal”
Isi form:

Field	Required	Deskripsi
Name	✓	Nama goal (contoh: “Dana Ekspansi 2026”)
Goal Type	✓	Savings, Debt Payoff, Investment, Expense Reduction
Target Amount	✓	Nominal target
Current Amount	✓	Nominal saat ini (bisa 0)
Priority	✓	Low, Medium, High
Target Date	✓	Deadline pencapaian
Description	Opsional	Detail goal

Save goal
Sistem mulai track progress

Progress Tracking

Progress Calculation

Progress % = (current_amount / target_amount) × 100%
Remaining = target_amount - current_amount

Progress Bar

Status Based on Progress

Progress	Status	Deskripsi
0%	Not Started	Belum ada progress
1-24%	Just Started	Progress awal
25-49%	In Progress	On track
50-74%	Halfway	Good progress
75-99%	Almost There	Hampir tercapai
100%	Completed	Goal tercapai

Auto-Update

current_amount bisa diupdate:

Method	Deskripsi
Manual	User input langsung
Auto-linked	Terhubung dengan Account/Investment
Periodic	Update berkala (mingguan/bulanan)

Dashboard Financial Goals

Goal Cards

Setiap goal ditampilkan sebagai card:

Component	Deskripsi
Name	Nama goal
Type Badge	Savings/Debt/Investment/Expense Reduction
Priority Badge	Low/Medium/High
Progress Bar	Visual progress
Amount	Current / Target
Remaining	Sisa yang harus dikumpulkan
Target Date	Deadline
Days Left	Hari menuju deadline

Summary Cards

Metric	Deskripsi
Total Goals	Jumlah goal aktif
Completed	Goal yang sudah tercapai
On Track	Goal dengan progress sesuai timeline
At Risk	Goal yang progress-nya terlambat

Filter & Sort

Filter	Opsi
Goal Type	Savings, Debt Payoff, Investment, Expense Reduction
Priority	Low, Medium, High
Status	Not Started, In Progress, Completed, At Risk

Sort	Opsi
Priority	High → Low
Progress	100% → 0%
Target Date	Earliest → Latest
Amount	Largest → Smallest

Milestone Monitoring

Milestone Alerts

Sistem mengirim notifikasi saat milestone penting tercapai:

Milestone	Notifikasi
25% reached	”Selamat! Goal X sudah 25% tercapai”
50% reached	”Halfway! Goal X sudah 50% tercapai”
75% reached	”Almost there! Goal X sudah 75% tercapai”
100% reached	”Completed! Goal X sudah tercapai 100%“

Deadline Alerts

Timing	Alert
30 days before	”Goal X jatuh tempo 30 hari lagi”
7 days before	”Goal X jatuh tempo 7 hari lagi”
On deadline	”Goal X jatuh tempo hari ini”
Past deadline	”Goal X sudah melewati deadline”

Investment Tracking

Investment Entity

Untuk goal tipe investment, sistem terintegrasi dengan entity Investment:

Field	Tipe	Deskripsi
asset_type	enum	stocks, mutual_fund, bond, crypto, property, other
purchase_price	number	Harga beli
current_price	number	Harga terkini
gain_loss	calculated	current_price - purchase_price
gain_loss_%	calculated	(gain_loss / purchase_price) × 100%

Portfolio Summary

Metric	Deskripsi
Total Investment	Total nilai investasi
Total Gain/Loss	Total keuntungan/kerugian
Gain/Loss %	Persentase return
Asset Allocation	Distribusi per asset type

Savings Goals

Contoh Savings Goals

Goal	Target	Current	Progress	Deadline
Dana Ekspansi	Rp 500.000.000	Rp 150.000.000	30%	31 Des 2026
Dana Darurat	Rp 100.000.000	Rp 80.000.000	80%	30 Jun 2026
Beli Kendaraan	Rp 200.000.000	Rp 50.000.000	25%	31 Des 2027

Auto-Contribution

Jika goal terhubung dengan Account:

Debt Payoff Goals

Contoh Debt Payoff

Goal	Target	Current	Progress	Deadline
Lunas Hutang Bank	Rp 300.000.000	Rp 200.000.000	67%	31 Des 2026
Lunas Hutang Supplier	Rp 50.000.000	Rp 45.000.000	90%	30 Jun 2026

Payoff Strategy

Strategy	Deskripsi
Snowball	Bayar hutang terkecil dulu
Avalanche	Bayar hutang bunga tertinggi dulu
Custom	Strategi custom

Expense Reduction Goals

Contoh Expense Reduction

Goal	Target	Current	Progress	Deadline
Kurangi Biaya Operasional 20%	Rp 10.000.000	Rp 8.000.000	80%	31 Des 2026

Tracking

Compare actual expense vs baseline
Calculate reduction amount
Track monthly progress

Reporting

Goal Summary

Metric	Deskripsi
Total Goals	Jumlah goal
Completed	Goal tercapai
In Progress	Goal sedang berjalan
At Risk	Goal terlambat
Success Rate	Completed / Total × 100%

Progress by Type

Type	Count	Avg Progress
Savings	5	45%
Debt Payoff	2	78%
Investment	3	32%
Expense Reduction	1	80%

Best Practices

Goal Setting

Tetapkan target yang realistis dan terukur (SMART)
Set tenggat waktu yang jelas
Pecah goal besar menjadi milestone kecil
Prioritaskan goal berdasarkan urgensi

Monitoring

Review progress minimal sebulan sekali
Track trend (apakah progress melambat?)
Adjust target jika kondisi bisnis berubah
Celebrate milestones untuk motivasi

Strategy

Gunakan data historis untuk proyeksi
Align goals dengan business strategy
Balance short-term vs long-term goals
Regular review dan adjustment

Entity Schema Reference

ER Diagram — Financial Goal Entities

Tabel Schema — FinancialGoal

Field	Tipe	Required	Default	Deskripsi
`id`	string (UUID)	PK	auto-generated	Primary key
`user_id`	string (UUID)	✓	—	ID pengguna pemilik tujuan
`company_id`	string (UUID)	—	null	ID perusahaan (null untuk personal)
`title`	string	✓	—	Judul tujuan keuangan
`description`	string	—	—	Deskripsi detail tujuan
`goal_type`	enum	✓	—	Jenis tujuan: `savings`, `debt_payoff`, `investment`, `expense_reduction`
`target_amount`	number	✓	—	Jumlah target yang ingin dicapai
`current_amount`	number	—	0	Jumlah yang sudah terkumpul/terbayar
`deadline`	date	✓	—	Tanggal target pencapaian
`status`	enum	—	`active`	Status goal: `active`, `paused`, `completed`, `failed`
`priority`	enum	—	`medium`	Prioritas: `low`, `medium`, `high`
`related_budget_id`	string (UUID)	—	null	ID Budget terkait (jika ada)

Tabel Schema — Investment

Field	Tipe	Required	Default	Deskripsi
`id`	string (UUID)	PK	auto-generated	Primary key
`user_id`	string (UUID)	✓	—	ID pengguna pemilik investasi
`company_id`	string (UUID)	—	null	ID perusahaan (null untuk personal)
`asset_name`	string	✓	—	Nama aset investasi
`asset_type`	enum	✓	—	Jenis aset: `stocks`, `mutual_fund`, `bond`, `crypto`, `property`, `other`
`quantity`	number	✓	—	Jumlah/unit kepemilikan
`purchase_price`	number	✓	—	Harga pembelian per unit
`purchase_date`	date	✓	—	Tanggal pembelian
`current_price`	number	—	—	Harga pasar saat ini per unit
`current_value`	number	—	—	Total nilai investasi saat ini (`current_price * quantity`)
`currency`	string	—	`IDR`	Mata uang
`platform`	string	—	—	Platform atau perusahaan penyedia investasi
`notes`	string	—	—	Catatan tambahan

Tabel Schema — Account

Field	Tipe	Required	Default	Deskripsi
`id`	string (UUID)	PK	auto-generated	Primary key
`user_id`	string (UUID)	✓	—	ID pengguna pemilik rekening
`company_id`	string (UUID)	—	null	ID perusahaan (null untuk personal)
`name`	string	✓	—	Nama rekening/kantong (contoh: Kas, BCA, Mandiri, Dompet)
`type`	enum	✓	`cash`	Jenis rekening: `cash`, `bank`, `e-wallet`, `other`
`account_number`	string	—	—	Nomor rekening (opsional)
`bank_name`	string	—	—	Nama bank (untuk `type=bank`)
`initial_balance`	number	—	0	Saldo awal
`current_balance`	number	—	0	Saldo saat ini (server-authoritative)
`currency`	string	—	`IDR`	Mata uang
`icon`	string	—	💰	Icon rekening untuk UI
`color`	string	—	`#3B82F6`	Warna untuk UI
`is_active`	boolean	—	true	Status aktif rekening
`is_default_pos`	boolean	—	false	Rekening default untuk POS Kasir
`notes`	string	—	—	Catatan tambahan
`mode`	enum	—	`personal`	Mode rekening: `personal`, `business`

Tabel Schema — FinancialRecord

Field	Tipe	Required	Default	Deskripsi
`id`	string (UUID)	PK	auto-generated	Primary key
`user_id`	string (UUID)	✓	—	ID pengguna
`company_id`	string (UUID)	—	null	ID perusahaan (null untuk personal)
`account_id`	string (UUID)	—	—	ID rekening/kantong sumber dana
`type`	enum	✓	—	Jenis transaksi: `income`, `expense`, `transfer`
`amount`	number	✓	—	Jumlah transaksi
`category`	string	—	—	Kategori transaksi
`description`	string	—	—	Deskripsi singkat
`date`	datetime	✓	—	Tanggal transaksi
`attachment_url`	string	—	—	URL bukti transaksi
`source`	enum	—	`manual`	Sumber: `manual`, `ai_text`, `ai_scan`, `pos`, `manufacturing`, `distribution`, `recall`, `stock_opname`
`mode`	enum	—	`personal`	Mode: `personal`, `business`
`transfer_to_account_id`	string (UUID)	—	—	ID rekening tujuan (untuk `type=transfer`)
`transfer_fee`	number	—	0	Biaya transfer (jika ada)
`reference_id`	string	—	—	ID referensi transaksi sumber (invoice, POS, expense)
`reference_type`	enum	—	—	Tipe referensi: `invoice_payment`, `pos_transaction`, `expense`, `manual`, `transfer`, `production_order`, `distribution_shipment`, `distribution_return`, `batch_recall`, `stock_opname`
`idempotency_key`	string	—	—	Kunci idempoten transaksi keuangan
`is_inventory_material`	boolean	—	false	Apakah pembelian bahan baku persediaan (anti double-counting)
`channel_fee`	number	—	0	Potongan biaya marketplace / platform fee
`cogs_amount`	number	—	0	Biaya pokok penjualan (HPP/COGS)
`tax_amount`	number	—	0	Jumlah pajak yang termasuk dalam amount

State Machine — Goal Lifecycle

Transisi Status

Dari	Ke	Trigger	Deskripsi
`[*]`	`active`	Create goal	Goal baru dibuat langsung aktif
`active`	`paused`	User pause	User menjeda goal sementara
`active`	`completed`	`current_amount >= target_amount`	Target tercapai secara otomatis
`active`	`failed`	`deadline < today`	Deadline terlewat tanpa target tercapai
`paused`	`active`	User resume	User melanjutkan goal yang dijeda
`paused`	`completed`	Target tercapai	Auto-complete meskipun paused
`paused`	`failed`	`deadline < today`	Deadline terlewat saat paused
`failed`	`active`	User reactivate	User mengaktifkan ulang dengan deadline baru

Sequence Diagrams

1. Goal Creation Flow

2. Progress Tracking Flow

3. Goal Achievement & Investment Linking

Enum Tables

goal_type

Value	Label (ID)	Deskripsi	Contoh Use Case
`savings`	Tabungan	Pengumpulan dana untuk tujuan tertentu	Dana ekspansi, dana darurat, dana pembelian aset
`debt_payoff`	Pelunasan Hutang	Pelunasan kewajiban/hutang	Lunas hutang bank, lunas hutang supplier
`investment`	Investasi	Pertumbuhan nilai melalui instrumen investasi	Portofolio saham, reksadana, obligasi, properti
`expense_reduction`	Pengurangan Biaya	Menurunkan pengeluaran hingga target tertentu	Kurangi biaya operasional 20%

goal_status

Value	Label (ID)	Deskripsi	Kondisi
`active`	Aktif	Goal sedang berjalan dan dipantau	Default saat dibuat, progress < 100% dan belum melewati deadline
`paused`	Dijeda	Goal sementara dihentikan oleh user	User memilih untuk menjeda sementara
`completed`	Tercapai	Goal berhasil dicapai	`current_amount >= target_amount`
`failed`	Gagal	Goal gagal dicapai dalam deadline	`deadline < today` dan `current_amount < target_amount`

priority

Value	Label (ID)	Warna Badge	Deskripsi	SLA Review
`high`	Tinggi	Merah	Goal kritis dengan deadline dekat atau dampak besar	Mingguan
`medium`	Sedang	Kuning	Goal penting dengan timeline normal	Bulanan
`low`	Rendah	Hijau	Goal jangka panjang, fleksibel timeline-nya	Kuartalan

asset_type (Investment)

Value	Label (ID)	Deskripsi	Contoh
`stocks`	Saham	Instrumen ekuitas publik	Saham BBCA, TLKM, BBRI
`mutual_fund`	Reksadana	Dana investasi dikelola manajer	Reksadana pendapatan tetap
`bond`	Obligasi	Surat hutang (pemerintah/korporasi	SBN, ORA, obligasi korporasi
`crypto`	Kripto	Aset digital terdesentralisasi	Bitcoin, Ethereum
`property`	Properti	Aset tidak bergerak	Tanah, gedung, ruko
`other`	Lainnya	Jenis aset di luar kategori above	Emas, barang koleksi, P2P lending

account_type

Value	Label (ID)	Deskripsi	Contoh
`cash`	Tunai	Uang tunai fisik	Kas kecil, dompet
`bank`	Bank	Rekening bank	BCA, Mandiri, BNI, BRI
`e-wallet`	E-Wallet	Dompet digital	GoPay, OVO, DANA, ShopeePay
`other`	Lainnya	Akun keuangan lainnya	PayPal, Payoneer

financial_record_type

Value	Label (ID)	Deskripsi	Efek pada Saldo
`income`	Pemasukan	Uang masuk	`current_balance` bertambah
`expense`	Pengeluaran	Uang keluar	`current_balance` berkurang
`transfer`	Transfer	Perpindahan antar rekening	Sumber berkurang, tujuan bertambah

RBAC — Hak Akses Financial Goals

Role	Create	Read	Update	Delete	Deskripsi
Admin	✓	✓	✓	✓	Akses penuh ke semua goal dalam perusahaan
Manager	✓	✓	✓	✗	Dapat membuat dan mengelola goal, tidak bisa hapus
Staff	✓	✓	✓ (own)	✗	Dapat membuat goal sendiri, update goal sendiri
Viewer	✗	✓	✗	✗	Hanya bisa melihat goal (read-only)

Row-Level Security (RLS)

Operasi	Kondisi Akses	Deskripsi
Create	`company_id = user.active_company_id` AND `company_id IS NOT NULL`	User harus berada dalam perusahaan yang aktif
Read	`company_id = user.active_company_id` OR `user_id = current_user` OR `role = admin`	User bisa baca goal perusahaan atau goal pribadi
Update	`company_id = user.active_company_id` OR `user_id = current_user` OR `role = admin`	Same as read — owner atau admin
Delete	`company_id = user.active_company_id` OR `user_id = current_user` OR `role = admin`	Same as read — owner atau admin

​title: “Financial Goals” description: “Target keuangan perusahaan — 4 jenis goal, priority system, progress tracking, milestone monitoring, dan investment tracking di SNISHOP ERP.”

​Financial Goals

​Arsitektur Financial Goals

​Entity FinancialGoal

​Field FinancialGoal

​4 Jenis Goal

​3 Level Priority

​Create Financial Goal

​Step-by-Step

​Progress Tracking

​Progress Calculation

​Progress Bar

​Status Based on Progress

​Auto-Update

​Dashboard Financial Goals

​Goal Cards

​Summary Cards

​Filter & Sort

​Milestone Monitoring

​Milestone Alerts

​Deadline Alerts

​Investment Tracking

​Investment Entity

​Portfolio Summary

​Savings Goals

​Contoh Savings Goals

​Auto-Contribution

​Debt Payoff Goals

​Contoh Debt Payoff

​Payoff Strategy

​Expense Reduction Goals

​Contoh Expense Reduction

​Tracking

​Reporting

​Goal Summary

​Progress by Type

​Best Practices

​Goal Setting

​Monitoring

​Strategy

​Entity Schema Reference

​ER Diagram — Financial Goal Entities

​Tabel Schema — FinancialGoal

​Tabel Schema — Investment

​Tabel Schema — Account

​Tabel Schema — FinancialRecord

​State Machine — Goal Lifecycle

​Transisi Status

​Sequence Diagrams

​1. Goal Creation Flow

​2. Progress Tracking Flow

​3. Goal Achievement & Investment Linking

​Enum Tables

​goal_type

​goal_status

​priority

​asset_type (Investment)

​account_type

​financial_record_type

​RBAC — Hak Akses Financial Goals

​Row-Level Security (RLS)

​Data Isolation