diff --git a/app/Http/Controllers/GadaiController.php b/app/Http/Controllers/GadaiController.php
index b53b472..3f3ac2b 100644
--- a/app/Http/Controllers/GadaiController.php
+++ b/app/Http/Controllers/GadaiController.php
@@ -3205,8 +3205,11 @@ class GadaiController extends Controller
         $totalpinjaman = $audit->sum('pinjaman');
         $totalbakipjm = $audit->sum('bakipjm');
         $totaltunggakan = $audit->sum('tunggakan');
+        $totalujrah = $audit->sum('tunggakanujrah');
+        $totalonepercent = $audit->sum('tunggakanonepercent');
 
-        $arrayrekod = ['rekod' => $rekodaudit, 'total' => $totalrekod,'totalberat' => $totalberat,'totalnilaimarhun' =>  $totalnilaimarhun,'totalpinjaman'=>$totalpinjaman,'totalbakipjm'=>$totalbakipjm,'totaltunggakan'=>$totaltunggakan];
+
+        $arrayrekod = ['rekod' => $rekodaudit, 'total' => $totalrekod,'totalberat' => $totalberat,'totalnilaimarhun' =>  $totalnilaimarhun,'totalpinjaman'=>$totalpinjaman,'totalbakipjm'=>$totalbakipjm,'totaltunggakan'=>$totaltunggakan,'totalujrah'=>$totalujrah,'totalonepercent'=>$totalonepercent];
 
         return response()->json($arrayrekod,200);
     }
diff --git a/app/Http/Controllers/TebusController.php b/app/Http/Controllers/TebusController.php
index 3eca0fc..676c960 100644
--- a/app/Http/Controllers/TebusController.php
+++ b/app/Http/Controllers/TebusController.php
@@ -42,6 +42,7 @@ use Illuminate\Http\Request;
 use Illuminate\Support\Facades\Log;
 
 use Carbon\Carbon;
+use Illuminate\Support\Facades\DB;
 
 class TebusController extends Controller
 {
@@ -1603,12 +1604,15 @@ class TebusController extends Controller
         if($determine_past->isToday())
         {
             $audit_now = Gadai::on($cawangan['mysql'])
+                ->select(DB::raw('sum(tunggakan) as "akru", 
+                sum(tunggakanujrah) as "akruujrah",  
+                sum(tunggakanonepercent) as "akruonepercent"'))
                 ->where([['tagpalsu','=',0],['t_gadai','<=',$request->tarikh],['sttebus','=','']])
                 ->orWhere([['tagpalsu','=',0],['t_update','>',$request->tarikh],['sttebus','!=',''],['t_gadai','<=',$request->tarikh]])
                 ->orderBy('t_gadai', 'ASC')
-                ->orderBy('sirig', 'ASC');
+                ->orderBy('sirig', 'ASC')->first();
 
-            $totaltunggakan_now = $audit_now->sum('tunggakan');
+            $totaltunggakan_now = $audit_now['akru'] + $audit_now['akruujrah'] + $audit_now['akruonepercent'];
         }else{
 
             $result_audit_backdate = $this->StokAuditGenerateTerakru($month_sekarang,$cawangan,$year_generate);
diff --git a/app/Services/Miscellaneous/PanjarServices.php b/app/Services/Miscellaneous/PanjarServices.php
new file mode 100644
index 0000000..107f797
--- /dev/null
+++ b/app/Services/Miscellaneous/PanjarServices.php
@@ -0,0 +1,306 @@
+<?php
+
+namespace App\Services\Miscellaneous;
+
+use App\Audit;
+use App\Cawangan;
+use App\Denominasi;
+use App\DenoPanjar;
+use App\Panjar;
+use App\Vault;
+use Carbon\Carbon;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Log;
+
+class PanjarServices
+{
+
+    /*
+        //////////////
+        /// NOTED ///
+        ////////////
+
+        1. tak buat lgi untuk perubatan. just untuk buat yang panjar biasa.
+
+    */
+    
+    
+    protected $cawangan = 'KB2';
+    protected $namelist_deno = [
+        'bd1' => 100,'bd5' => 500,'bd10' => 1000,'bd20' => 1000,'bd50' => 5000,'bd100' => 5000,
+        'txtsen1' => 0.01,'txtsen5' => 0.05,'txtsen10' => 0.10,'txtsen20' => 0.20,'txtsen50' => 0.50,
+        'txtring1' => 1,'txtring5' => 5,'txtring10' => 10,'txtring20' => 20,'txtring50' => 50,
+        'txtring100' => 100,'txtring1000' => 1000,        
+    ];
+
+    public function __construct($kodcaw){
+        $this->cawangan = $kodcaw;
+    }
+
+    private function calculation_denominasi($array_deno = [],$denominasi = [],$jenis_panjar){
+
+        if(isset($array_deno) <= 0 || isset($denominasi) <= 0){
+            return 'no data';
+        }
+
+        if($jenis_panjar != 'masuk' || $jenis_panjar != 'keluar') return 'no data';
+
+        $records = [];
+        foreach($this->namelist_deno as $deno => $value){
+            $total_deno = 0;$total = 0;
+            $total_deno = ($jenis_panjar == 'masuk') ? $denominasi[$deno] += intval($array_deno[$deno]) : $denominasi[$deno] -= intval($array_deno[$deno]);
+            $total = ($total_deno * $value);
+
+            $records[$deno] = [
+                'keping' => $total_deno,
+                'jumlah' => $total
+            ];
+        }
+
+        /* total Keping */
+        $total_keping =  array_sum(array_column($records, 'jumlah'));
+
+        /* Total Bundle */
+        $filteredKeys = array_filter(array_keys($records), function($key) {
+            return strpos($key, 'bd') !== false;
+        });
+      
+        $filteredRecords = array_filter($records, function($record,$key) use ($filteredKeys) {
+            return in_array($key, $filteredKeys);
+        }, ARRAY_FILTER_USE_BOTH);
+
+        $total_bundle = array_sum(array_column($filteredRecords, 'jumlah'));
+        
+        return [
+            'deno' => $records,
+            'total' => $total_keping,
+            'total_bundle' => $total_bundle,
+            'total_all' => ($total_keping + $total_bundle),
+        ];
+    }
+
+    public function delete(Request $request){
+        $current = Carbon::now();
+        $current = new Carbon();
+
+        $cawangan = Cawangan::on('mysql7')->where('kodcaw', $this->cawangan)->first();
+        $denominasi = Denominasi::on($cawangan['mysql'])->latest('tarikh')->first();
+        $panjar = Panjar::on($cawangan['mysql'])->latest('tarikh')->where('nobaucer', $request->nobaucer)->first();
+        $vault = Vault::on($cawangan['mysql'])->latest('tarikh')->first();
+        $deno_panjar = DenoPanjar::on('mysql7')->where('kodcaw', $this->cawangan)->where('recno', $request->recno)->latest('tarikh','masa')->first();
+
+        try{
+            if (!$panjar) throw new \Exception('Custom Exception: Panjar Does Not Exist!');
+            if (!$denominasi) throw new \Exception('Custom Exception: Denominasi Does Not Exist!');
+            if (!$vault) throw new \Exception('Custom Exception: Vault Does Not Exist!');
+            if (!$deno_panjar) throw new \Exception('Custom Exception: Denominasi Panjar Does Not Exist!');
+            
+            DB::transaction(function () use ($cawangan,$deno_panjar,$panjar,$denominasi,$current,$vault) {
+
+                $return_data = $this->calculation_denominasi($deno_panjar,$denominasi,'masuk');
+                if($return_data == 'no data') throw new \Exception('Custom Exception: Denominasi Panjar Not Return Data');
+
+                Denominasi::on($cawangan['mysql'])->where([['tarikh','=',$current->toDateString()]])->update(array(
+                    'bd1' => $return_data['deno']['bd1']['keping'],
+                    'b1'=> $return_data['deno']['bd1']['jumlah'],
+                    'bd5'=> $return_data['deno']['bd5']['keping'],
+                    'b5'=> $return_data['deno']['bd5']['keping'],
+                    'bd10'=> $return_data['deno']['bd10']['keping'],
+                    'b10'=> $return_data['deno']['bd10']['jumlah'],
+                    'bd20'=> $return_data['deno']['bd20']['keping'],
+                    'b20'=> $return_data['deno']['bd20']['jumlah'],
+                    'bd50'=> $return_data['deno']['bd50']['keping'],
+                    'b50'=> $return_data['deno']['bd50']['jumlah'],
+                    'bd100'=> $return_data['deno']['bd100']['keping'],
+                    'b100'=> $return_data['deno']['bd100']['jumlah'],
+                    'txtring1'=> $return_data['deno']['txtring1']['keping'],
+                    'k1'=> $return_data['deno']['txtring1']['jumlah'],
+                    'txtring5'=> $return_data['deno']['txtring5']['keping'],
+                    'k5'=> $return_data['deno']['txtring5']['jumlah'],
+                    'txtsen1'=> $return_data['deno']['txtsen1']['keping'],
+                    'k01'=> $return_data['deno']['txtsen1']['jumlah'],
+                    'txtsen5'=> $return_data['deno']['txtsen5']['keping'],
+                    'k05'=> $return_data['deno']['txtsen5']['jumlah'],
+                    'txtsen10'=> $return_data['deno']['txtsen10']['keping'],
+                    'k010'=> $return_data['deno']['txtsen10']['jumlah'],
+                    'txtsen20'=> $return_data['deno']['txtsen20']['keping'],
+                    'k020'=> $return_data['deno']['txtsen20']['jumlah'],
+                    'txtsen50'=> $return_data['deno']['txtsen50']['keping'],
+                    'k050'=> $return_data['deno']['txtsen50']['jumlah'],
+                    'txtring10'=> $return_data['deno']['txtring10']['keping'],
+                    'k10'=> $return_data['deno']['txtring10']['jumlah'],
+                    'txtring20'=> $return_data['deno']['txtring20']['keping'],
+                    'k20'=> $return_data['deno']['txtring20']['jumlah'],
+                    'txtring50'=> $return_data['deno']['txtring50']['keping'],
+                    'k50'=> $return_data['deno']['txtring50']['jumlah'],
+                    'txtring100'=> $return_data['deno']['txtring100']['keping'],
+                    'k100'=> $return_data['deno']['txtring100']['jumlah'],
+                    'txtring1000'=> $return_data['deno']['txtring1000']['keping'],
+                    'k1000'=> $return_data['deno']['txtring1000']['jumlah'],
+                    'jumlahbundle'=> $return_data['total_bundle'],
+                    'txtjumlah'=> $return_data['total_all'],
+                    'jumlahkeping' => $return_data['total']
+                ) );
+
+                $totalpanjar = ($vault['totpanjar'] - $deno_panjar['serahan']);
+                $bakiakhir = ($vault['bakiawal'] - $vault['keluar'] + $vault['masuk'] + $vault['pendahuluan'] - $vault['serahan'] - $totalpanjar);
+
+                if($bakiakhir <= 0) throw new \Exception('Custom Exception: Amaun Baki Akhir Cannot Be Zero');
+                if($totalpanjar < 0) throw new \Exception('Custom Exception: Amaun Panjar Cannot Be Zero');
+
+                Vault::on($cawangan['mysql'])->where('kodcaw','=', $cawangan['kodcaw'])->latest('tarikh')->update(array(
+                    'totpanjar' => $totalpanjar,
+                    'bakiakhir'=>$bakiakhir,
+                    'bakieod'=>$bakiakhir
+                 ));
+
+                DenoPanjar::on('mysql7')->where('kodcaw', $this->cawangan)->where('recno', $panjar['recno'])->latest('tarikh','masa')->delete();
+                Panjar::on($cawangan['mysql'])->where('recno',$panjar['recno'])->delete();
+
+                $audit = new Audit();
+                $audit->users = $request->tuntutoleh;
+                $audit->actions = "Keluarkan Perbelanjaan";
+                $audit->new_data = $panjar;
+                $audit->kodcaw = $this->cawangan;
+                $audit->created_at = $current;
+                $audit->updated_at = $current;
+                $audit->save();
+
+            });
+        }catch(\Exception $e){
+            dd($e->getMessage());
+            Log::error('Exception: ' , $e->getMessage());
+        }
+    }
+
+    public function create(Request $request){
+        $current = Carbon::now();
+        $current = new Carbon();
+
+        $cawangan = Cawangan::on('mysql7')->where('kodcaw', $this->cawangan)->first();
+        $denominasi = Denominasi::on($cawangan['mysql'])->latest('tarikh')->first();
+        $vault = Vault::on($cawangan['mysql'])->latest('tarikh')->first();
+
+        try{
+            if (!$denominasi) throw new \Exception('Custom Exception: Denominasi Does Not Exist!');
+            if (!$vault) throw new \Exception('Custom Exception: Vault Does Not Exist!');
+            
+            DB::transaction(function () use ($cawangan,$denominasi,$current,$vault,$request) {
+
+                $panjar = Panjar::on($cawangan['mysql'])
+                ->create([ 
+                    'tarikh'=> $current->toDateString(),
+                    'deskripsi'=> $request->deskripsi,
+                    'bayaran' => $request->bayaran,
+                    'tag' => $request->tag,
+                    'kategori' => $request->kategori,
+                    'id' => $request->id,
+                    'bakiperubatan' => $request->bakiperubatan,
+                    'nobaucer' => $request->nobaucer,
+                    'nobil' => $request->nobil,
+                    'tuntutoleh' => $request->tuntutoleh
+                ]);
+
+                $denopanjar = DenoPanjar::on('mysql7')->create([ 
+                    'tarikh' => $current->toDateString(),
+                    'masa' => $current->toTimeString(),
+                    'kodcaw' => $this->cawangan,
+                    'kodlaluan' => $request->kodlaluan,
+                    'serahan' => $request->serahan,
+                    'bd1' => $request->bd1,
+                    'bd5' => $request->bd5,
+                    'bd10' => $request->bd10,
+                    'bd20' => $request->bd20,
+                    'bd50' => $request->bd50,
+                    'bd100' => $request->bd100,
+                    'txtring1' => $request->txtring1,
+                    'txtring5' => $request->txtring5,
+                    'txtring10' => $request->txtring10,
+                    'txtring20' => $request->txtring20,
+                    'txtring50' => $request->txtring50,
+                    'txtring100' => $request->txtring100,
+                    'txtring1000' => $request->txtring1000,
+                    'txtsen1' => $request->txtsen1,
+                    'txtsen5' => $request->txtsen5,
+                    'txtsen10' => $request->txtsen10,
+                    'txtsen20' => $request->txtsen20,
+                    'txtsen50' => $request->txtsen50,
+                    'jenis' =>$request->jenis,
+                    'recno' =>$panjar['recno'],
+                    'update' => '0'
+                ]);
+
+                $return_data = $this->calculation_denominasi($denopanjar,$denominasi,'masuk');
+                if($return_data == 'no data') throw new \Exception('Custom Exception: Denominasi Panjar Not Return Data');
+
+                Denominasi::on($cawangan['mysql'])->where([['tarikh','=',$current->toDateString()]])->update(array(
+                    'bd1' => $return_data['deno']['bd1']['keping'],
+                    'b1'=> $return_data['deno']['bd1']['jumlah'],
+                    'bd5'=> $return_data['deno']['bd5']['keping'],
+                    'b5'=> $return_data['deno']['bd5']['keping'],
+                    'bd10'=> $return_data['deno']['bd10']['keping'],
+                    'b10'=> $return_data['deno']['bd10']['jumlah'],
+                    'bd20'=> $return_data['deno']['bd20']['keping'],
+                    'b20'=> $return_data['deno']['bd20']['jumlah'],
+                    'bd50'=> $return_data['deno']['bd50']['keping'],
+                    'b50'=> $return_data['deno']['bd50']['jumlah'],
+                    'bd100'=> $return_data['deno']['bd100']['keping'],
+                    'b100'=> $return_data['deno']['bd100']['jumlah'],
+                    'txtring1'=> $return_data['deno']['txtring1']['keping'],
+                    'k1'=> $return_data['deno']['txtring1']['jumlah'],
+                    'txtring5'=> $return_data['deno']['txtring5']['keping'],
+                    'k5'=> $return_data['deno']['txtring5']['jumlah'],
+                    'txtsen1'=> $return_data['deno']['txtsen1']['keping'],
+                    'k01'=> $return_data['deno']['txtsen1']['jumlah'],
+                    'txtsen5'=> $return_data['deno']['txtsen5']['keping'],
+                    'k05'=> $return_data['deno']['txtsen5']['jumlah'],
+                    'txtsen10'=> $return_data['deno']['txtsen10']['keping'],
+                    'k010'=> $return_data['deno']['txtsen10']['jumlah'],
+                    'txtsen20'=> $return_data['deno']['txtsen20']['keping'],
+                    'k020'=> $return_data['deno']['txtsen20']['jumlah'],
+                    'txtsen50'=> $return_data['deno']['txtsen50']['keping'],
+                    'k050'=> $return_data['deno']['txtsen50']['jumlah'],
+                    'txtring10'=> $return_data['deno']['txtring10']['keping'],
+                    'k10'=> $return_data['deno']['txtring10']['jumlah'],
+                    'txtring20'=> $return_data['deno']['txtring20']['keping'],
+                    'k20'=> $return_data['deno']['txtring20']['jumlah'],
+                    'txtring50'=> $return_data['deno']['txtring50']['keping'],
+                    'k50'=> $return_data['deno']['txtring50']['jumlah'],
+                    'txtring100'=> $return_data['deno']['txtring100']['keping'],
+                    'k100'=> $return_data['deno']['txtring100']['jumlah'],
+                    'txtring1000'=> $return_data['deno']['txtring1000']['keping'],
+                    'k1000'=> $return_data['deno']['txtring1000']['jumlah'],
+                    'jumlahbundle'=> $return_data['total_bundle'],
+                    'txtjumlah'=> $return_data['total_all'],
+                    'jumlahkeping' => $return_data['total']
+                ) );
+
+                $totalpanjar = ($vault['totpanjar'] + $denopanjar['serahan']);
+                $bakiakhir = ($vault['bakiawal'] - $vault['keluar'] + $vault['masuk'] + $vault['pendahuluan'] - $vault['serahan'] - $totalpanjar);
+
+                if($bakiakhir <= 0) throw new \Exception('Custom Exception: Amaun Baki Akhir Cannot Be Zero');
+                if($totalpanjar < 0) throw new \Exception('Custom Exception: Amaun Panjar Cannot Be Zero');
+
+                Vault::on($cawangan['mysql'])->where('kodcaw','=', $cawangan['kodcaw'])->latest('tarikh')->update(array(
+                    'totpanjar' => $totalpanjar,
+                    'bakiakhir'=>$bakiakhir,
+                    'bakieod'=>$bakiakhir
+                 ));
+
+                $audit = new Audit();
+                $audit->users = $request->tuntutoleh;
+                $audit->actions = "Daftar Perbelanjaan";
+                $audit->new_data = $panjar;
+                $audit->kodcaw = $this->cawangan;
+                $audit->created_at = $current;
+                $audit->updated_at = $current;
+                $audit->save();
+
+            });
+        }catch(\Exception $e){
+            dd($e->getMessage());
+            Log::error('Exception: ' , $e->getMessage());
+        }
+    }
+}
diff --git a/app/Services/Reports/OnePercentService.php b/app/Services/Reports/OnePercentService.php
index 6dede56..a937433 100644
--- a/app/Services/Reports/OnePercentService.php
+++ b/app/Services/Reports/OnePercentService.php
@@ -46,6 +46,8 @@ class OnePercentService
 
     public function getTotalKeuntungan($type = 'B',$start = '2023-12-14',$end = '2023-12-14') : Float{        
         if($type == 'B'){
+
+            $akrual = Gadai::on($this->cawangan['mysql'])->where([['sttebus',''],['tagbaru',1]])->sum('tunggakanonepercent');
             $norujukan = Gadai::on($this->cawangan['mysql'])->where('sttebus','T')->where('tagbaru',1)->pluck('norujukan');
             
             $keuntungan = TransaksiKeuntungan::on('mysql7')
@@ -53,28 +55,37 @@ class OnePercentService
             ->sum('onepercent_rebet');
 
         }else if($type == 'L'){
+            $akrual = Gadai::on($this->cawangan['mysql'])->where([['sttebus',''],['tagbaru',1],['t_update','>=',$start],['t_update','<=',$end]])->sum('tunggakanonepercent');
+
             $norujukan = Gadai::on($this->cawangan['mysql'])->where('sttebus','T')->where('tagbaru',1)->where('t_update','>=',$start)->where('t_update','<=',$end)->pluck('norujukan');
 
             $keuntungan = TransaksiKeuntungan::on('mysql7')
                 ->whereIn('norujukan',$norujukan)
                 ->whereDate('tarikh_bayaran','>=',$start)
                 ->whereDate('tarikh_bayaran','<=',$end)
-                ->sum('onepercent_rebet');; 
+                ->sum('onepercent_rebet');
         }
 
-        return $keuntungan;
+        $totalkeuntungan = $keuntungan + $akrual;
+
+        return $totalkeuntungan;
     }
 
     public function getTotalUjrah($type = 'B',$start = '2023-12-14',$end = '2023-12-14') : Float{
 
 
         if($type == 'B'){
+            $akrual = Gadai::on($this->cawangan['mysql'])->where([['sttebus',''],['tagbaru',1]])->sum('tunggakanujrah');
+
             $norujukan = Gadai::on($this->cawangan['mysql'])->where('sttebus','T')->where('tagbaru',1)->pluck('norujukan');
 
             $ujrah = TransaksiKeuntungan::on('mysql7')
             ->whereIn('norujukan',$norujukan)
             ->sum('ujrah_rebet');
+
         }else if($type == 'L'){
+            $akrual = Gadai::on($this->cawangan['mysql'])->where([['sttebus',''],['tagbaru',1],['t_update','>=',$start],['t_update','<=',$end]])->sum('tunggakanujrah');
+
             $norujukan = Gadai::on($this->cawangan['mysql'])->where('sttebus','T')->where('tagbaru',1)->pluck('norujukan');
 
             $ujrah = TransaksiKeuntungan::on('mysql7')
@@ -84,7 +95,8 @@ class OnePercentService
                 ->sum('ujrah_rebet');;
         }
 
-        return $ujrah;
+        $totalujrah = $ujrah + $akrual;
+        return $totalujrah;
     }
 
     
diff --git a/app/Support/v2/GadaiV2.php b/app/Support/v2/GadaiV2.php
index b9d71ed..96cfd7b 100644
--- a/app/Support/v2/GadaiV2.php
+++ b/app/Support/v2/GadaiV2.php
@@ -101,6 +101,8 @@ class GadaiV2
 
             $hargajualan = $request->pinjaman + $upah12;
 
+            $akrual = $this->kiraupahTawarruqStokAuditUjrahOnePercent(0.5,0,$kadar_raw['kadarujrah'],$request->pinjaman,$total_nilai_marhun,$margin_pinjam);
+
             $gadai = Gadai::on($cawangan['mysql'])
                 ->where('norujukan','=',$norujukan)
                 ->update(array(
@@ -132,7 +134,9 @@ class GadaiV2
                     'ujrah' => $ujrah,
                     'onepercent' => $onepercent,
                     'margin_semasa' => $margin_pinjam,
-                    'tagbaru' => 1
+                    'tagbaru' => 1,
+                    'tunggakanujrah' => $akrual['ujrah'],
+                    'tunggakanonepercent' => $akrual['keuntungan'],
                 ));
 
             $new_data = Gadai::on($cawangan['mysql'])->where('norujukan','=',$norujukan)->first();
@@ -283,6 +287,7 @@ class GadaiV2
                     DB::connection($cawangan['mysql'])->transaction(function () use($cawangan,$baki_pinjaman,$current,$norujukan,$gadai,$baki_hargajualan,$lelong_tawarruq,$margin_semasa){
 
                         $margin_updated = ($baki_pinjaman / $gadai['nilaimarhun']) * 100;
+                        $akrual = $this->kiraupahTawarruqStokAuditUjrahOnePercent($gadai['tempoh'],$gadai['tempohbayar'],$gadai['kadarujrah'],$gadai['bakipjm'],$gadai['nilaimarhun'],$margin_semasa);
 
                         $update_gadai = Gadai::on($cawangan['mysql'])->where('norujukan','=',$norujukan)->update(array(
                             'bakipjm' => $baki_pinjaman,
@@ -292,6 +297,8 @@ class GadaiV2
                             'tempohbayar' => $gadai['tempoh'],
                             'lelong_tawarruq' => $lelong_tawarruq,
                             'margin_semasa' => $margin_updated,
+                            'tunggakanujrah' => $akrual['ujrah'],
+                            'tunggakanonepercent' => $akrual['keuntungan']
                         ));
                     });
 
@@ -364,7 +371,7 @@ class GadaiV2
                     Gadai::on($cawangan_mysql['mysql'])->where('norujukan','=',$gadai['norujukan'])->update(array(
                         'jbg' => $tempoh_gadai,
                         'tempoh' => $tempoh_gadai,
-                        'tunggakan' => $upah_semasa['pendapatan'],
+                        'tunggakan' => 0,
                         'tunggakanujrah' => $upah_semasa['ujrah'],
                         'tunggakanonepercent' => $upah_semasa['keuntungan'],
                     ));