# BLUEPRINT CETAK BIRU MODUL: BANKING & KREDIT BANK
**Modul:** `banking`  
**Workspace:** `new_san_variant`  
**Standard:** Single Variant Standard & Dual-Write Rollout  
**Tanggal Analisis:** 2026-07-29  

---

## 1. IDENTITAS MODUL

- **Nama Modul:** `banking`
- **Pola Kompleksitas:** **Transaksi Kompleks** (Pengelolaan Pinjaman / Kredit Bank via `_processSelectPlafonHutangBank`, Pembayaran Angsuran Pokok & Bunga, Biaya Administrasi Bank, Rekonsiliasi Bank, & Journal Rebalancing).
- **Jenis Transaksi (`jenisTr` Utama):**
  - `444` : Pencairan Pinjaman / Kredit Bank
  - `445` : Pembayaran Angsuran Pokok Pinjaman Bank
  - `446` : Pembayaran Bunga & Admin Bank
  - `757` : Rekonsiliasi / Adjust Rekening Bank

---

## 2. DAFTAR FUNGSI & LOGIKA BISNIS (REVERSE ENGINEERING)

### 2.1 Base Controller & Configuration

#### [Modul_Controller.php](file:///c:/xampp/htdocs/new_san_variant/application/modules/banking/controllers/Modul_Controller.php)
- **Fungsi `__construct()`**: Load config `coTransaksiUi`, `coTransaksiCore`, `coTransaksiLayout`, `coTransaksiValues`.

---

### 2.2 Entry Banking & Plafon Loan Engine

#### [_processSelectPlafonHutangBank.php](file:///c:/xampp/htdocs/new_san_variant/application/modules/banking/controllers/_processSelectPlafonHutangBank.php)
- **Fungsi Bank Loan Ceiling Manager**:
  - *Input*: ID Bank, Nomor Fasilitas Kredit, Limit Plafon Pinjaman, Sisa Utang Bank.
  - *Logic*: Menghitung saldo sisa utang bank, jadwal angsuran pokok, & alokasi beban bunga.

#### [Create.php](file:///c:/xampp/htdocs/new_san_variant/application/modules/banking/controllers/Create.php)
- **Fungsi `index()`, `preview()`, `save()`**: Entry pencairan kredit baru atau formulir pembayaran angsuran pinjaman bank.

---

### 2.3 Executing & FollowUp Approval

#### [FollowUp.php](file:///c:/xampp/htdocs/new_san_variant/application/modules/banking/controllers/FollowUp.php)
- **Fungsi `doFollowup()`** *(Execution Banking Transaction)*:
  - *Query & Models*:
    1. **Bank Loan Balance Update**: Mengurangi sisa utang pokok bank (`445`) atau menambah saldo kas/bank dari pencairan kredit (`444`).
    2. **Jurnal Perbankan**: Memanggil `ComJurnal` mencatat Utang Bank / Bunga (D) vs Kas/Bank (K).
    3. **Registry Update**: Log step registrasi di `transaksi_registry`.

---

## 3. IDENTIFIKASI PERBEDAAN DENGAN MOCKUP GLOBAL

| No | Komponen / Fitur Unik | Deskripsi & Perbedaannya dengan Mockup Standar |
|:--:|:----------------------|:------------------------------------------------|
| 1 | **Bank Loan Limit & Amortization Manager (`_processSelectPlafonHutangBank`)** | Pengelolaan fasilitas plafon pinjaman bank dan angsuran pokok. |
| 2 | **Bank Reconciliation Processor (`_processSelectBank.php`)** | Pencocokan mutasi koran bank dengan buku kas internal perusahaan. |

---

## 4. ARSITEKTUR KODE BARU (THE BLUEPRINT)

### 4.1 Struktur Controller Baru

```
application/modules/banking/
├── config/
│   ├── coTransaksiCore.php
│   ├── coTransaksiUi.php
│   ├── coTransaksiLayout.php
│   └── coTransaksiValues.php
├── controllers/
│   ├── Modul_Controller.php       # Base controller
│   ├── Create.php                 # Form Bank Loan / Settlement Entry
│   ├── FollowUp.php               # Approval & Execution Amortization
│   ├── Transaksi.php              # Bank Loan Transaction List
│   ├── ActivityReport.php         # Laporan Transaksi Perbankan
│   ├── History.php                # Riwayat Pinjaman Bank
│   ├── Printing.php               # Cetak Voucher Perbankan
│   ├── ViewDetails.php            # Modal Detail View
│   ├── _processSelectPlafonHutangBank.php # Bank Loan Ceiling Controller
│   └── _shoppingCart.php          # Cart Manager
└── views/
    ├── transaksi_modul.php
    ├── shoppingCart.php
    └── printing.php
```

---

### 4.2 Panduan Langkah-demi-Langkah Developer

1. **Langkah 1: Gunakan `_processSelectPlafonHutangBank.php` untuk Pengelolaan Pinjaman Bank**
   - Pastikan pembaruan saldo utang pokok dan alokasi bunga terhitung presisi.

2. **Langkah 2: Integrasikan `ComJurnal` pada `FollowUp.php`**
   - Pencatatan utang pinjaman bank dan beban bunga.

3. **Langkah 3: Verifikasi PHP 5.6 & Update UAT Checklist**
   - Lakukan linting `C:\xampp\php\php.exe -l` dan update `docs/uat-checklist.md`.

---

### 5. KESIMPULAN & STATUS EKSEKUSI

- 🟢 **Pekerjaan Selesai (Completed & Verified)**:
  1. Blueprint modul `banking` diselesaikan.
  2. File [blueprint_banking.md](file:///c:/xampp/htdocs/new_san_variant/blueprint_banking.md) dan `dev-jurnal.md` diterbitkan.