Listed directory btm-koperasi
Viewed web.php:1-342
Viewed SAVINGS_MODULE_ANALYSIS.md:1-423

This project, **BTM Koperasi**, is a comprehensive, production-grade enterprise resource planning (ERP) system tailored for **Baitul Maal wat Tamwil (BTM)**—a type of Islamic microfinance cooperative. 

Built with the modern **Laravel 12 (PHP 8.3)**, **React 19 (Inertia v2)**, and **Tailwind CSS v4** stack, it provides a highly responsive, single-page application (SPA) experience for managing the full lifecycle of cooperative members, their financial products, and staff operations.

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### 🚀 Core Features & Modules

#### 👥 Member Management
*   **Complete Lifecycle**: Manages members from registration and KYC (Know Your Customer) to verification and account closing. Includes cascading regional data (Province → Regency → District → Village) for precise address tracking.
*   **Data Integrity**: Includes a dedicated **Data Cleansing** module to merge duplicate records and clean up legacy data migrated from older systems.
*   **Advanced Exports**: High-speed generation of member directories in CSV, Excel, and PDF formats.

#### 🏦 Savings Management (Simpanan)
*   **Product Flexibility**: Supports multiple savings products with unique rules.
*   **Real-time Transactions**: Efficient deposit and withdrawal processing with automated receipt generation.
*   **Audit Compliance**: Features automated audit logging for every balance-changing event, ensuring transparency for OJK/regulatory standards.

#### 💰 Financing Management (Pembiayaan)
*   **Loan Workflow**: Structured application flow from initial request to Approval/Rejection and finally **Disbursement**.
*   **Installment Engine**: Automatically generates and tracks payment schedules (installments).
*   **Smart Payment Entry**: Allows tellers to record payments with ease, including support for "Quick Payments" during field collections.
*   **NPF Tracking**: Monitors **Non-Performing Financing (NPF)** ratios—a critical health metric for financial cooperatives.

#### 📅 Daily Field Operations
*   **Daily Collection Dashboard**: A specialized view for field collectors to see their daily targets and record collections in real-time.
*   **Teller Terminal**: A unified, high-performance interface for tellers to handle all incoming and outgoing cash flows.
*   **Staff Performance**: Real-time monitoring of collector productivity and collection completion rates.

#### 📉 Core Accounting & Financial Reporting
*   **Automated Ledger**: Almost every action (savings deposit, loan disbursement, payment) triggers automatic double-entry journal postings to the General Ledger.
*   **Chart of Accounts (COA)**: Fully configurable accounting structure following standard cooperative financial guidelines.
*   **Real-time Financials**: Instant generation of:
    *   **Trial Balance** (Neraca Saldo)
    *   **Balance Sheet** (Neraca)
    *   **Income Statement** (Laporan Rugi-Laba)

#### 🛡️ Administration & Security
*   **Multi-Branch Support**: Managed architecture for cooperatives operating across multiple geographic locations.
*   **Role-Based Access Control (RBAC)**: Granular permissions for Administrators, Managers, Tellers, and Collectors.
*   **Physical Cash Verification**: A "Cash Count" (Hitung Kas) module to reconcile system balances with physical cash sitting in the vaults at the end of each day.

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### 🎨 Technical Excellence
*   **Modern UI**: Uses **Tailwind v4** for high-performance styling and **React 19** for a smooth, app-like feel.
*   **Inertia v2 Performance**: Leverages **Deferred Props** and **Prefetching** to load complex financial data without blocking the UI.
*   **Bulletproof Backend**: Strict type-hinting, Service Layer architecture, and comprehensive **Pest 4** unit/feature testing suite.

> [!TIP]
> This project follows the **Service Layer Pattern**, moving all complex financial logic out of controllers into dedicated `app/Services/` classes for maximum testability and reuse.