> ## Documentation Index > Fetch the complete documentation index at: https://docs.quinnsambal.com/llms.txt > Use this file to discover all available pages before exploring further. # Saldo *** title: "Saldo" description: "Manajemen rekening bank dan kas — saldo real-time auto-refresh 30 detik, deposit/withdrawal workflow, transfer antar rekening, mutasi transaksi, dan rekonsiliasi bank di SNISHOP ERP." ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- # Saldo Saldo Halaman Saldo menampilkan seluruh rekening bank dan kas perusahaan yang terdaftar di sistem. Setiap rekening memiliki **saldo real-time** yang di-refresh otomatis setiap **30 detik**, mendukung **deposit dengan upload bukti transfer** (minimum Rp 10.000), **withdrawal dengan approval admin** (minimum Rp 50.000), **transfer antar rekening internal**, dan **rekonsiliasi bank** otomatis maupun manual. Halaman ini terintegrasi langsung dengan General Ledger dan modul Expense/Invoice. ## Arsitektur Saldo ```mermaid theme={null} graph TB subgraph ACCOUNTS["Rekening Perusahaan"] CASH["Kas
Cash"] BANK["Bank
BCA, Mandiri, BNI, BRI"] EWALLET["E-Wallet
GoPay, OVO, DANA"] OTHER["Other
PayPal, Stripe"] end subgraph FEATURES["Fitur Utama"] REAL["Real-Time Balance
Auto-refresh 30s"] DEP["Deposit
Min Rp 10.000
Upload bukti"] WD["Withdrawal
Min Rp 50.000
Admin approval"] XFER["Transfer
Antar rekening"] RECON["Rekonsiliasi Bank
Auto-match"] end subgraph INTEGRATION["Integrasi"] GL["General Ledger
COA mapping"] EXP["Expense
Payment source"] INV["Invoice
Payment target"] POS["POS
Revenue destination"] end ACCOUNTS --> FEATURES FEATURES --> INTEGRATION ``` ## Rekening Bank ### Tambah Rekening Baru 1. Klik **"Tambah Rekening"** 2. Isi form: | Field | Required | Deskripsi | | - | - | - | | Nama Akun | ✓ | Contoh: BCA Rupiah, Kas Utama | | Tipe | ✓ | cash, bank, e-wallet, other | | Nomor Rekening | ✓ | Nomor rekening bank | | Saldo Awal | ✓ | Saldo saat akun dibuat | | Kode COA | Opsional | Auto-inferred dari tipe | | Default POS | Opsional | Centang jika akun default POS | 3. Klik **"Simpan"** 4. `current_balance` = `initial_balance` ### Informasi Per Rekening | Field | Deskripsi | | - | - | | Nama Bank | BCA, Mandiri, BNI, BRI, dll | | Nomor Rekening | Nomor rekening | | Nama Pemilik | Nama pemilik rekening | | Tipe Akun | Savings, Current, dll | | Saldo Saat Ini | `current_balance` (real-time) | | Saldo Tersedia | Saldo - pending transactions | | Status | Aktif / Nonaktif | | Mata Uang | IDR (default) | | Last Updated | Timestamp terakhir refresh | ### Multiple Rekening Sistem mendukung unlimited rekening: | Bank | Contoh Rekening | | - | - | | BCA | BCA Rupiah, BCA Dollar | | Mandiri | Mandiri Rupiah, Mandiri Bisnis | | BNI | BNI Rupiah | | BRI | BRI Rupiah | | E-Wallet | GoPay, OVO, DANA, ShopeePay | | Kas | Kas Utama, Kas Cabang, Kas Kecil | ## Saldo Real-Time ### Auto-Refresh * Sistem auto-refresh setiap **30 detik** * Menampilkan `current_balance` (server-authoritative) * Bukan field `balance` (undeclared) ### Balance Monitoring | Indikator | Deskripsi | | - | - | | Saldo Saat Ini | `current_balance` dari server | | Saldo Tersedia | Saldo - pending transactions | | Pending Transactions | Transaksi yang belum cleared | | Last Updated | Timestamp terakhir refresh | ### Balance Alerts | Alert | Trigger | Warna | | - | - | - | | Low Balance | Saldo \< threshold | Kuning | | Negative Balance | Saldo \< 0 | Merah | | Unusual Transaction | Transaksi tidak biasa | Oranye | | Reconciliation Overdue | Belum rekonsiliasi > 30 hari | Merah | ## Deposit Workflow ```mermaid theme={null} sequenceDiagram participant U as User participant S as Sistem participant A as Admin participant ACC as Account U->>S: Request deposit (min Rp 10.000) S->>S: Validate amount >= 10.000 S->>S: Generate instruksi transfer S-->>U: Tampilkan instruksi U->>U: Transfer manual dari bank lain U->>S: Upload bukti transfer (JPG/PNG/PDF) S->>A: Notify untuk verifikasi A->>A: Review bukti transfer alt Valid A->>ACC: current_balance += amount A->>S: Mark deposit as verified S->>S: Create FinancialRecord (type: income) S-->>U: Deposit confirmed else Invalid A->>S: Reject deposit S-->>U: Deposit rejected + reason end ``` ### Deposit Rules | Rule | Value | | - | - | | Minimum deposit | Rp 10.000 | | Bukti transfer | Required (JPG, PNG, PDF) | | Approval | Manual oleh admin/finance | | Balance update | Setelah approved | | Journal entry | Auto-created | ## Withdrawal Workflow ```mermaid theme={null} sequenceDiagram participant U as User participant S as Sistem participant A as Admin participant ACC as Account U->>S: Request withdrawal (min Rp 50.000) S->>S: Validate amount >= 50.000 S->>S: Validate current_balance >= amount S->>A: Submit for approval A->>A: Review withdrawal request alt Approved A->>ACC: current_balance -= amount A->>S: Create withdrawal record S->>S: Create FinancialRecord (type: expense) S-->>U: Withdrawal approved else Rejected A->>S: Reject withdrawal S-->>U: Withdrawal rejected + reason end ``` ### Withdrawal Rules | Rule | Value | | - | - | | Minimum withdrawal | Rp 50.000 | | Balance check | current\_balance >= amount | | Approval | Required dari admin | | Balance update | Setelah approved | | Journal entry | Auto-created | ## Transfer Antar Rekening ```mermaid theme={null} sequenceDiagram participant U as User participant S as Sistem participant FROM as Account Asal participant TO as Account Tujuan U->>S: Transfer request S->>S: Validate from_account != to_account S->>S: Validate current_balance >= amount S->>FROM: current_balance -= amount S->>TO: current_balance += amount S->>S: Create FinancialRecord (type: transfer) S->>S: Create GLJournalEntry (reference_type: transfer) S-->>U: Transfer completed ``` ### Transfer Rules | Rule | Deskripsi | | - | - | | Akun asal ≠ tujuan | Tidak bisa transfer ke akun yang sama | | Balance check | Saldo asal harus cukup | | Net zero | Total saldo perusahaan tidak berubah | | Journal entry | Otomatis dibuat untuk audit trail | ### Transfer di Laporan | View | Treatment | | - | - | | All accounts | Transfer net zero (tidak mempengaruhi total) | | Single account | Transfer tercatat sebagai inflow/outflow | ## Mutasi Transaksi ### Incoming Transactions | Sumber | Deskripsi | | - | - | | Customer Payment | Pembayaran invoice | | POS Revenue | Revenue dari transaksi POS | | Transfer In | Transfer dari rekening lain | | Deposit | Deposit yang sudah approved | | Interest Income | Bunga bank | | Other Income | Pendapatan lain | ### Outgoing Transactions | Sumber | Deskripsi | | - | - | | Supplier Payment | Pembayaran PO | | Expense Payment | Pembayaran expense | | Transfer Out | Transfer ke rekening lain | | Withdrawal | Withdrawal yang sudah approved | | Other Expense | Pengeluaran lain | ### Transaction Details | Field | Deskripsi | | - | - | | Date | Tanggal transaksi | | Amount | Nominal | | Description | Keterangan | | Reference Number | Nomor referensi | | Category | Kategori transaksi | | Status | cleared, pending | | Source | pos, invoice, expense, transfer, dll | ### Filter Mutasi | Filter | Opsi | | - | - | | Date Range | Hari ini, Minggu ini, Bulan ini, Custom | | Transaction Type | Incoming, Outgoing, All | | Source | POS, Invoice, Expense, Transfer, dll | | Amount Range | Min - Max | ## Rekonsiliasi Bank ### Import Bank Statement 1. Download statement dari bank (CSV/Excel) 2. Upload ke sistem 3. Sistem auto-match berdasarkan: * Nominal (exact match) * Tanggal (±2 hari) * Deskripsi (fuzzy match) 4. Review unmatched items 5. Complete reconciliation ### Manual Reconciliation 1. Input statement balance 2. List outstanding items 3. Calculate adjusted balance: ``` Adjusted Balance = Statement Balance + Outstanding Deposits - Outstanding Withdrawals ``` 4. Compare with system balance 5. Investigate differences 6. Post adjustments jika perlu ### Reconciliation Report | Item | Deskripsi | | - | - | | Reconciled Items | Transaksi yang sudah cocok | | Unreconciled Items | Transaksi yang belum cocok | | Differences | Selisih | | Resolution Actions | Tindakan koreksi | ## Reporting ### Bank Statement | Report | Deskripsi | | - | - | | Monthly Statement | Laporan bulanan per rekening | | Transaction List | Daftar transaksi | | Balance Summary | Ringkasan saldo | | Reconciliation Status | Status rekonsiliasi | ### Cash Flow Report | Component | Deskripsi | | - | - | | Cash Inflow | Total uang masuk | | Cash Outflow | Total uang keluar | | Net Cash Flow | Inflow - Outflow | | Cash Position | Posisi kas terkini | ### Cash Daily Report **Component**: `CashDailyReport.jsx` (493 lines) | Field | Deskripsi | | - | - | | Date | Tanggal | | Opening Balance | Saldo awal hari | | Cash In | Total masuk hari ini | | Cash Out | Total keluar hari ini | | Closing Balance | Saldo akhir hari | **Drill-down**: Klik tanggal untuk lihat transaksi individual **Trend Analysis**: First half vs second half comparison ## Best Practices ### Security * Limit akses ke rekening bank (hanya owner/finance) * Regular password change * Two-factor authentication * Audit trail untuk semua transaksi ### Reconciliation * Rekonsiliasi minimal sebulan sekali * Investigate semua differences * Document adjustments * Keep records untuk audit ### Monitoring * Check balance harian * Review transactions mingguan * Monitor alerts * Report discrepancies segera *** ## Entity Schema — Saldo & Balance ### Entity Relationship Diagram ```mermaid theme={null} erDiagram Company ||--o{ Account : "memiliki rekening" Company ||--o{ BankAccount : "memiliki rekening bank" Company ||--o{ FinancialRecord : "mencatat transaksi" Company ||--o{ GLJournalEntry : "mencatat jurnal" Company ||--o{ GLAccount : "memiliki COA" Account ||--o{ FinancialRecord : "sumber dana" Account ||--o{ FinancialRecord : "tujuan transfer" Account }o--|| BankAccount : "detail bank" FinancialRecord }o--o| GLJournalEntry : "referensi jurnal" GLJournalEntry ||--|{ GLAccount : "line items (debit/credit)" GLAccount ||--o| GLAccount : "parent (hirarki COA)" Company { string name "nama perusahaan" string owner_id PK "ID owner perusahaan" string owner_email "email owner" string owner_subscription_plan "free|pro|business|advanced|enterprise" string industry "retail|manufacturing|services|..." string tax_id "NPWP" string address "alamat perusahaan" string phone "nomor telepon" string email "email perusahaan" string website "website perusahaan" string logo_url "URL logo" number employee_count "jumlah karyawan" string active_modules "JSON modul aktif" object settings "pengaturan perusahaan" } Account { string user_id PK string company_id FK string name "nama rekening" string type "cash|bank|e-wallet|other" string account_number "nomor rekening" string bank_name "nama bank" number initial_balance "saldo awal" number current_balance "saldo real-time (server-authoritative)" string currency "mata uang (default: IDR)" string icon "icon UI" string color "warna UI" boolean is_active "status aktif" boolean is_default_pos "default POS Kasir" string notes "catatan" string mode "personal|business" } BankAccount { string user_id PK string company_id FK string account_type "bank|ewallet" string provider "nama penyedia (BRI, DANA, dll)" string account_name "nama pemilik rekening" string account_number "nomor rekening / nomor telepon" string description "catatan tambahan" boolean is_primary "rekening utama" number balance "saldo tracking internal" boolean is_active "status aktif" } FinancialRecord { string user_id PK string company_id FK string account_id FK "rekening sumber dana" string type "income|expense|transfer" number amount "jumlah transaksi" string category "kategori" string description "deskripsi" datetime date "tanggal transaksi" string attachment_url "bukti transaksi" string source "manual|pos|ai_scan|..." string mode "personal|business" string transfer_to_account_id FK "rekening tujuan" number transfer_fee "biaya transfer" string reference_id "ID dokumen sumber" string reference_type "invoice_payment|pos_transaction|..." string idempotency_key "kunci idempoten" boolean is_inventory_material "anti double-counting" number channel_fee "potongan marketplace" number cogs_amount "HPP/COGS" number tax_amount "jumlah pajak (PPN)" } GLJournalEntry { string company_id PK date entry_date "tanggal jurnal" string reference_number "nomor referensi" string reference_type "manual|invoice|transfer|..." string reference_id "ID dokumen sumber" string description "deskripsi jurnal" array line_items "debit/credit items" number total_debit "total debit" number total_credit "total kredit" boolean is_balanced "debit = credit" string status "draft|posted|reversed" date posted_date "tanggal posting" string posted_by "user yang posting" string notes "catatan" } GLAccount { string company_id PK string account_code "kode akun (1000, 2100)" string account_name "nama akun" string account_type "asset|liability|equity|revenue|expense" string category "Current Asset, Fixed Asset, dll" string sub_category "sub-kategori" string parent_account_id FK "akun parent (hirarki)" string normal_balance "debit|credit" boolean is_active "status aktif" string description "deskripsi" number level "0: header, 1: main, 2: sub" } ``` ### Tabel Schema — Company Entitas perusahaan yang menjadi wadah seluruh data keuangan, rekening, dan transaksi. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `name` | string | ✓ | — | Nama perusahaan | | `owner_id` | string | ✓ | — | ID owner perusahaan | | `owner_email` | string | ✓ | — | Email owner | | `owner_subscription_plan` | enum | — | — | Plan membership owner: `free`, `pro`, `business`, `advanced`, `enterprise` | | `description` | string | — | — | Deskripsi perusahaan | | `industry` | enum | — | — | Industri: `retail`, `manufacturing`, `services`, `technology`, `food_beverage`, `healthcare`, `education`, `other` | | `address` | string | — | — | Alamat perusahaan | | `phone` | string | — | — | Nomor telepon perusahaan | | `email` | string | — | — | Email perusahaan | | `website` | string | — | — | Website perusahaan | | `logo_url` | string | — | — | URL logo perusahaan | | `tax_id` | string | — | — | NPWP (Nomor Pokok Wajib Pajak) | | `employee_count` | number | — | `0` | Jumlah karyawan | | `metadata` | object | — | — | Data tambahan / legacy | | `landing_page_config` | object | — | — | Konfigurasi landing page perusahaan | | `business_type` | string | — | — | Kategori bisnis yang dipilih saat onboarding | | `active_modules` | string | — | — | JSON string berisi array ID modul aktif | | `settings` | object | — | — | Pengaturan perusahaan (jam kerja, cuti, pajak, dll) | ### Tabel Schema — Account Entitas utama untuk menyimpan seluruh rekening bank, kas, dan e-wallet perusahaan. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `user_id` | string | ✓ | — | ID pengguna pemilik rekening | | `company_id` | string | — | — | ID perusahaan (null untuk personal) | | `name` | string | ✓ | — | Nama rekening (e.g., Kas, BCA, Mandiri) | | `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 saat akun dibuat | | `current_balance` | number | — | `0` | **Saldo real-time server-authoritative**. Di-update oleh POS sales, invoice payment, expense, dan void. Frontend fallback ke derived ledger jika masih 0/null | | `currency` | string | — | `IDR` | Mata uang | | `icon` | string | — | `💰` | Icon untuk tampilan UI | | `color` | string | — | `#3B82F6` | Warna untuk tampilan 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 — BankAccount Detail rekening bank dan e-wallet untuk keperluan pembayaran dan transfer. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `user_id` | string | — | — | ID pengguna pemilik akun | | `company_id` | string | — | — | ID perusahaan pemilik rekening | | `account_type` | enum | ✓ | — | Jenis akun: `bank`, `ewallet` | | `provider` | string | ✓ | — | Nama penyedia (BRI, BNI, DANA, GOPAY, dll) | | `account_name` | string | ✓ | — | Nama pemilik rekening | | `account_number` | string | ✓ | — | Nomor rekening atau nomor telepon E-Wallet | | `description` | string | — | — | Catatan tambahan (max 1000 karakter) | | `is_primary` | boolean | — | `false` | Apakah ini rekening utama | | `balance` | number | — | `0` | Saldo tracking internal (opsional) | | `is_active` | boolean | — | `true` | Status aktif rekening | ### Tabel Schema — FinancialRecord Mencatat seluruh transaksi keuangan (pemasukan, pengeluaran, transfer) yang mempengaruhi saldo rekening. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `user_id` | string | ✓ | — | ID pengguna | | `company_id` | string | — | — | ID perusahaan (null untuk personal) | | `account_id` | string | — | — | ID rekening 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 | — | — | ID rekening tujuan (untuk type=transfer) | | `transfer_fee` | number | — | `0` | Biaya transfer (jika ada) | | `reference_id` | string | — | — | ID referensi dokumen 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 untuk mencegah duplikasi | | `is_inventory_material` | boolean | — | `false` | Pembelian bahan baku (anti double-counting) | | `channel_fee` | number | — | `0` | Potongan biaya marketplace / platform fee | | `cogs_amount` | number | — | `0` | HPP/COGS yang dibekukan saat transaksi POS. Digunakan oleh P\&L untuk menghitung laba kotor | | `tax_amount` | number | — | `0` | Jumlah pajak (PPN keluaran) | ### Tabel Schema — GLJournalEntry Entitas jurnal umum (General Ledger) untuk audit trail dan pembukuan double-entry. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `company_id` | string | ✓ | — | ID perusahaan | | `entry_date` | date | ✓ | — | Tanggal entri jurnal | | `reference_number` | string | — | — | Nomor referensi (TRX-001, INV-001) | | `reference_type` | enum | — | — | Tipe referensi: `manual`, `invoice`, `purchase_order`, `transfer`, `expense` | | `reference_id` | string | — | — | ID dokumen sumber | | `description` | string | ✓ | — | Deskripsi jurnal | | `line_items` | array | ✓ | — | Line items debit/kredit (lihat sub-tabel di bawah) | | `total_debit` | number | — | `0` | Total debit | | `total_credit` | number | — | `0` | Total kredit | | `is_balanced` | boolean | — | `false` | Apakah total\_debit = total\_credit | | `status` | enum | — | `draft` | Status: `draft`, `posted`, `reversed` | | `posted_date` | date | — | — | Tanggal posting ke buku besar | | `posted_by` | string | — | — | User yang memposting | | `notes` | string | — | — | Catatan tambahan | **Sub-tabel `line_items` (array of objects):** | Field | Tipe | Default | Deskripsi | | - | - | - | - | | `account_id` | string | — | ID GLAccount | | `account_code` | string | — | Kode akun | | `debit` | number | `0` | Jumlah debit | | `credit` | number | `0` | Jumlah kredit | | `description` | string | — | Deskripsi line item | ### Tabel Schema — GLAccount Chart of Accounts (COA) — daftar akun pembukuan untuk klasifikasi transaksi keuangan. | Field | Tipe | Required | Default | Deskripsi | | - | - | - | - | - | | `company_id` | string | ✓ | — | ID perusahaan | | `account_code` | string | ✓ | — | Kode akun unik (1000, 2100, 4001) | | `account_name` | string | ✓ | — | Nama akun | | `account_type` | enum | ✓ | — | Tipe: `asset`, `liability`, `equity`, `revenue`, `expense` | | `category` | string | — | — | Kategori (Current Asset, Fixed Asset, Receivable) | | `sub_category` | string | — | — | Sub-kategori akun | | `parent_account_id` | string | — | — | ID akun parent untuk hirarki COA | | `normal_balance` | enum | ✓ | — | Saldo normal: `debit`, `credit` | | `is_active` | boolean | — | `true` | Status aktif | | `description` | string | — | — | Deskripsi akun | | `level` | number | — | `0` | Level hirarki: 0=header, 1=main, 2=sub | ## State Machine — Account Status ```mermaid theme={null} stateDiagram-v2 [*] --> Active: Buat rekening baru\n(is_active = true) state Active { [*] --> SaldoNol SaldoNol --> SaldoPositif: Deposit / Income\n(current_balance += amount) SaldoPositif --> SaldoPositif: Income / Transfer In SaldoPositif --> SaldoPositif: Expense / Withdrawal\n(saldo masih >= 0) SaldoPositif --> SaldoRendah: Saldo < threshold SaldoRendah --> SaldoPositif: Deposit / Transfer In SaldoPositif --> SaldoNegatif: Withdrawal/Expense\nmelebihi saldo SaldoRendah --> SaldoNegatif: Withdrawal besar SaldoNegatif --> SaldoPositif: Deposit pelunasan } Active --> Inactive: Nonaktifkan rekening\n(is_active = false) Inactive --> Active: Aktifkan kembali\n(is_active = true) Inactive --> [*]: Hapus rekening ``` ### State Transition Rules | Dari State | Ke State | Trigger | Validasi | | - | - | - | - | | `[*]` | Active | Create account | `name` required, `type` required | | SaldoNol | SaldoPositif | Deposit, Income, Transfer In | `amount > 0` | | SaldoPositif | SaldoRendah | Expense/Withdrawal | `current_balance < threshold` | | SaldoRendah | SaldoPositif | Deposit/Transfer In | `current_balance >= threshold` | | SaldoPositif | SaldoNegatif | Overdraft/Withdrawal besar | `amount > current_balance` | | Active | Inactive | Nonaktifkan | Tidak ada pending transaction | | Inactive | Active | Aktifkan kembali | — | ## State Machine — GLJournalEntry Lifecycle ```mermaid theme={null} stateDiagram-v2 [*] --> Draft: Buat jurnal baru\n(status = 'draft') state Draft { [*] --> InputLineItems InputLineItems --> ValidasiBalanced: Submit jurnal ValidasiBalanced --> InputLineItems: Tidak balanced\nkoreksi line_items ValidasiBalanced --> SiapPost: total_debit = total_credit\n(is_balanced = true) } Draft --> Posted: Posting ke buku besar\n(status = 'posted') state Posted { [*] --> Terkunci Terkunci --> Terkunci: Tidak bisa diedit\n(immutable) } Posted --> Reversed: Reverse / pembalikan\n(status = 'reversed') state Reversed { [*] --> Dibatalkan Dibalikan --> Dibalikan: Final state\n(tidak bisa kembali) } Reversed --> [*]: Arsipkan Draft --> [*]: Hapus jurnal draft ``` ### State Transition Rules — GLJournalEntry | Dari State | Ke State | Trigger | Validasi | | - | - | - | - | | `[*]` | Draft | Create journal entry | `company_id`, `entry_date`, `description`, `line_items` required | | Draft | Draft (Validasi) | Submit untuk validasi | `is_balanced` harus `true` | | Draft | Posted | Posting ke buku besar | `is_balanced = true`, `total_debit = total_credit` | | Posted | Reversed | Reverse / pembalikan | Buat jurnal reversal baru | | Draft | `[*]` | Hapus | Hanya journal berstatus `draft` yang bisa dihapus | ## Sequence Diagram — Perhitungan Saldo Real-Time ```mermaid theme={null} sequenceDiagram participant FE as Frontend participant API as API Server participant DB as Database participant FR as FinancialRecord Note over FE: Auto-refresh setiap 30 detik FE->>API: GET /api/accounts/:id/balance API->>DB: SELECT current_balance FROM Account WHERE id = :id DB-->>API: current_balance = 5.000.000 alt current_balance > 0 (authoritative) API-->>FE: { current_balance: 5000000 } else current_balance = 0 atau null (fallback) API->>FR: SELECT SUM(amount) WHERE account_id = :id AND type = 'income' API->>FR: SELECT SUM(amount) WHERE account_id = :id AND type = 'expense' API->>API: derived_balance = SUM(income) - SUM(expense) + initial_balance API-->>FE: { current_balance: derived_balance } end FE->>FE: Render saldo + cek alert thresholds ``` ## Sequence Diagram — Transfer Dana Antar Rekening ```mermaid theme={null} sequenceDiagram participant U as User participant API as API Server participant ACC_FROM as Account Asal participant ACC_TO as Account Tujuan participant FR as FinancialRecord participant GL as GLJournalEntry U->>API: POST /api/transfers { from_account_id, to_account_id, amount } API->>API: Validasi: from_account_id ≠ to_account_id API->>ACC_FROM: Baca current_balance ACC_FROM-->>API: current_balance = 10.000.000 alt Saldo cukup (current_balance >= amount) API->>ACC_FROM: current_balance -= 500.000 → 9.500.000 API->>ACC_TO: current_balance += 500.000 → 2.500.000 API->>FR: Create FinancialRecord { type: 'transfer', amount: 500000, account_id: from, transfer_to_account_id: to } API->>GL: Create GLJournalEntry { reference_type: 'transfer', line_items: [debit: ACC_TO, credit: ACC_FROM] } API->>GL: Validasi: total_debit = total_credit (balanced) API-->>U: 200 OK — Transfer berhasil else Saldo tidak cukup API-->>U: 400 Bad Request — Saldo tidak mencukupi end ``` ## Sequence Diagram — Rekonsiliasi Bank ```mermaid theme={null} sequenceDiagram participant U as User participant API as API Server participant BS as Bank Statement (CSV) participant FR as FinancialRecord participant ACC as Account U->>API: POST /api/reconciliation/import (upload CSV) API->>BS: Parse bank statement entries BS-->>API: List transaksi bank [{date, amount, description}] loop Setiap transaksi bank API->>FR: Cari match: amount exact + date ±2 hari + fuzzy description alt Match ditemukan API->>API: Mark as reconciled else Tidak ada match API->>API: Mark as unreconciled end end API-->>U: Hasil rekonsiliasi { matched: 45, unmatched: 3 } U->>API: Input statement balance untuk validasi API->>API: Hitung Adjusted Balance Note over API: Adjusted = Statement Balance + Outstanding Deposits - Outstanding Withdrawals API->>ACC: Bandingkan Adjusted Balance vs current_balance alt Selisih = 0 API-->>U: Rekonsiliasi berhasil — saldo cocok else Selisih ≠ 0 API-->>U: Peringatan — selisih ditemukan, perlu investigasi end ``` ## Sequence Diagram — Deposit dengan Verifikasi Bukti Transfer ```mermaid theme={null} sequenceDiagram participant U as User participant API as API Server participant DB as Database participant ACC as Account participant FR as FinancialRecord participant GL as GLJournalEntry participant A as Admin/Finance U->>API: POST /api/deposits { account_id, amount, attachment_url } API->>API: Validasi: amount >= 10.000 API->>DB: INSERT FinancialRecord { type: 'income', source: 'manual', status: 'pending_approval' } DB-->>API: FinancialRecord created (id: FR-001) API->>A: Notifikasi: ada deposit baru perlu verifikasi A->>API: GET /api/deposits/FR-001/attachment API-->>A: Tampilkan bukti transfer alt Bukti valid dan amount cocok A->>API: POST /api/deposits/FR-001/approve API->>ACC: current_balance += amount API->>FR: Update status → 'verified' API->>GL: Create GLJournalEntry { reference_type: 'manual', line_items: [debit: Kas, credit: Modal] } API->>GL: Validasi: is_balanced = true API-->>U: Deposit confirmed — saldo diperbarui else Bukti tidak valid A->>API: POST /api/deposits/FR-001/reject { reason } API->>FR: Update status → 'rejected' API-->>U: Deposit ditolak — { reason } end ``` ## Sequence Diagram — Withdrawal dengan Approval Admin ```mermaid theme={null} sequenceDiagram participant U as User participant API as API Server participant DB as Database participant ACC as Account participant FR as FinancialRecord participant GL as GLJournalEntry participant A as Admin/Finance U->>API: POST /api/withdrawals { account_id, amount, description } API->>API: Validasi: amount >= 50.000 API->>ACC: Baca current_balance ACC-->>API: current_balance = 3.000.000 alt Saldo tidak cukup API-->>U: 400 Bad Request — Saldo tidak mencukupi else Saldo cukup API->>DB: INSERT FinancialRecord { type: 'expense', source: 'manual', status: 'pending_approval' } DB-->>API: FinancialRecord created (id: FR-002) API->>A: Notifikasi: ada withdrawal baru perlu approval A->>API: Review withdrawal request alt Approved A->>API: POST /api/withdrawals/FR-002/approve API->>ACC: current_balance -= amount API->>FR: Update status → 'approved' API->>GL: Create GLJournalEntry { reference_type: 'expense', line_items: [debit: Beban, credit: Kas] } API->>GL: Validasi: is_balanced = true API-->>U: Withdrawal approved — saldo diperbarui else Rejected A->>API: POST /api/withdrawals/FR-002/reject { reason } API->>FR: Update status → 'rejected' API-->>U: Withdrawal ditolak — { reason } end end ``` ## Enum Tables ### Enum: `Account.type` (Jenis Rekening) | Value | Deskripsi | Contoh | | - | - | - | | `cash` | Kas / uang tunai | Kas Utama, Kas Cabang, Kas Kecil | | `bank` | Rekening bank | BCA Rupiah, Mandiri Bisnis, BNI Rupiah | | `e-wallet` | Dompet elektronik | GoPay, OVO, DANA, ShopeePay | | `other` | Lainnya | PayPal, Stripe | ### Enum: `BankAccount.account_type` | Value | Deskripsi | | - | - | | `bank` | Rekening bank konvensional | | `ewallet` | Akun e-wallet / dompet digital | ### Enum: `FinancialRecord.type` (Jenis Transaksi) | Value | Deskripsi | Pengaruh Saldo | | - | - | - | | `income` | Pemasukan | `current_balance += amount` | | `expense` | Pengeluaran | `current_balance -= amount` | | `transfer` | Transfer antar rekening | Net zero (sumber -, tujuan +) | ### Enum: `FinancialRecord.source` (Sumber Transaksi) | Value | Deskripsi | | - | - | | `manual` | Input manual oleh user | | `ai_text` | Dari AI text parsing | | `ai_scan` | Dari AI scan dokumen | | `pos` | Transaksi POS Kasir | | `manufacturing` | Modul manufaktur | | `distribution` | Modul distribusi | | `recall` | Batch recall | | `stock_opname` | Stock opname | ### Enum: `FinancialRecord.reference_type` (Tipe Referensi) | Value | Deskripsi | | - | - | | `invoice_payment` | Pembayaran invoice | | `pos_transaction` | Transaksi POS | | `expense` | Pengeluaran | | `manual` | Input manual | | `transfer` | Transfer antar rekening | | `production_order` | Production order | | `distribution_shipment` | Pengiriman distribusi | | `distribution_return` | Retur distribusi | | `batch_recall` | Batch recall | | `stock_opname` | Stock opname | ### Enum: `GLJournalEntry.status` (Status Jurnal) | Value | Deskripsi | | - | - | | `draft` | Belum diposting, bisa diedit | | `posted` | Sudah diposting ke buku besar | | `reversed` | Sudah dibalik (reversal) | ### Enum: `GLJournalEntry.reference_type` | Value | Deskripsi | | - | - | | `manual` | Entri manual | | `invoice` | Dari invoice | | `purchase_order` | Dari purchase order | | `transfer` | Dari transfer | | `expense` | Dari expense | ### Enum: `GLAccount.account_type` (Tipe Akun COA) | Value | Saldo Normal | Deskripsi | | - | - | - | | `asset` | Debit | Harta / aset perusahaan | | `liability` | Kredit | Kewajiban / utang | | `equity` | Kredit | Modal / ekuitas | | `revenue` | Kredit | Pendapatan | | `expense` | Debit | Beban / pengeluaran | ### Enum: `GLAccount.normal_balance` | Value | Deskripsi | | - | - | | `debit` | Saldo normal di sisi debit (Asset, Expense) | | `credit` | Saldo normal di sisi kredit (Liability, Equity, Revenue) | ### Enum: `Account.mode` & `FinancialRecord.mode` | Value | Deskripsi | | - | - | | `personal` | Mode pribadi (personal finance) | | `business` | Mode bisnis (company finance) | ### Enum: `Company.owner_subscription_plan` | Value | Deskripsi | | - | - | | `free` | Plan gratis — fitur dasar | | `pro` | Plan profesional — fitur lanjutan | | `business` | Plan bisnis — fitur lengkap | | `advanced` | Plan advanced — fitur premium | | `enterprise` | Plan enterprise — fitur tanpa batas | ### Enum: `Company.industry` | Value | Deskripsi | | - | - | | `retail` | Perdagangan / ritel | | `manufacturing` | Manufaktur / produksi | | `services` | Jasa / layanan | | `technology` | Teknologi | | `food_beverage` | Makanan dan minuman (F\&B) | | `healthcare` | Kesehatan | | `education` | Pendidikan | | `other` | Industri lainnya | ## RBAC — Hak Akses Saldo | Aksi | Owner | Admin | Finance | Staff | Viewer | | - | - | - | - | - | - | | Lihat daftar rekening | ✓ | ✓ | ✓ | ✓ | ✓ | | Lihat detail saldo | ✓ | ✓ | ✓ | ✓ | ✓ | | Tambah rekening baru | ✓ | ✓ | ✓ | ✗ | ✗ | | Edit rekening | ✓ | ✓ | ✓ | ✗ | ✗ | | Hapus rekening | ✓ | ✓ | ✗ | ✗ | ✗ | | Deposit | ✓ | ✓ | ✓ | ✗ | ✗ | | Withdrawal | ✓ | ✓ | ✓ | ✗ | ✗ | | Approve withdrawal | ✓ | ✓ | ✗ | ✗ | ✗ | | Approve deposit | ✓ | ✓ | ✗ | ✗ | ✗ | | Transfer antar rekening | ✓ | ✓ | ✓ | ✗ | ✗ | | Import bank statement | ✓ | ✓ | ✓ | ✗ | ✗ | | Rekonsiliasi bank | ✓ | ✓ | ✓ | ✗ | ✗ | | Lihat laporan kas | ✓ | ✓ | ✓ | ✓ | ✓ | | Export laporan | ✓ | ✓ | ✓ | ✗ | ✗ | | Posting jurnal GL | ✓ | ✓ | ✓ | ✗ | ✗ | | Reverse jurnal GL | ✓ | ✓ | ✗ | ✗ | ✗ | | Hapus jurnal draft | ✓ | ✓ | ✓ | ✗ | ✗ | ## RBAC — Row-Level Security (RLS) Policies Policy RLS yang diterapkan pada setiap entitas berdasarkan data JSONC. ### RLS: `Account` | Operasi | Kondisi | | - | - | | CREATE | `company_id` = `user.active_company_id` DAN `company_id` tidak null/empty, ATAU `created_by_id` = `user.id`, ATAU `user_id` = `user.id`, ATAU user role = `admin` | | READ | Sama dengan CREATE | | UPDATE | Sama dengan CREATE | | DELETE | Sama dengan CREATE | ### RLS: `BankAccount` | Operasi | Kondisi | | - | - | | CREATE | `user_id` = `user.id`, ATAU `created_by_id` = `user.id`, ATAU user role = `admin`, ATAU `company_id` = `user.active_company_id` | | READ | Sama dengan CREATE | | UPDATE | Sama dengan CREATE | | DELETE | Sama dengan CREATE | ### RLS: `FinancialRecord` | Operasi | Kondisi | | - | - | | CREATE | `company_id` = `user.active_company_id` DAN `company_id` tidak null/empty, ATAU `created_by_id` = `user.id`, ATAU `user_id` = `user.id`, ATAU user role = `admin` | | READ | Sama dengan CREATE | | UPDATE | Sama dengan CREATE | | DELETE | Sama dengan CREATE | ### RLS: `GLAccount` & `GLJournalEntry` | Operasi | Kondisi | | - | - | | CREATE | Terbuka (policy kosong — diatur di layer aplikasi) | | READ | Terbuka (policy kosong — diatur di layer aplikasi) | | UPDATE | Terbuka (policy kosong — diatur di layer aplikasi) | | DELETE | Terbuka (policy kosong — diatur di layer aplikasi) | **Catatan RLS**: Semua entitas menggunakan Row-Level Security (RLS). Akses dibatasi berdasarkan `user_id`, `company_id`, dan `active_company_id`. Admin global dapat mengakses semua data. Data personal dan bisnis terisolasi berdasarkan field `mode`. Entitas GLAccount dan GLJournalEntry menggunakan policy kosong di level database karena kontrol akses dikelola di layer aplikasi/API. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.