diff --git a/app/Http/Controllers/AliranTunaiController.php b/app/Http/Controllers/AliranTunaiController.php
index 06b0820a..e6d616be 100644
--- a/app/Http/Controllers/AliranTunaiController.php
+++ b/app/Http/Controllers/AliranTunaiController.php
@@ -125,10 +125,10 @@ class AliranTunaiController extends Controller
 
         $auth_user = Auth::user();
 
-        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan_gadai)->json();
+        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan_gadai)->throw()->json();
         $gadai_detail = $gadai[0];
 
-        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $teller])->json();
+        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $teller])->throw()->json();
 
         $keluar = $getTunai2['keluar'];
         $bakiakhir = $getTunai2['baki'];
@@ -143,7 +143,7 @@ class AliranTunaiController extends Controller
             'keluar' => $keluar,
             'masuk' => $masuk,
             'bakiakhir' => $bakiakhir
-        ]);
+        ])->throw();
 
         return response()->json($updateTunai,201);
 
@@ -153,13 +153,13 @@ class AliranTunaiController extends Controller
 
         $auth_user = Auth::user();
 
-        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan)->json();
+        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan)->throw()->json();
         $gadai_detail = $gadai[0];
 
-        $tebus = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/listpenebusanhistory/'. $auth_user['cawangan'],['norujukan' => $request->norujukan])->json();
+        $tebus = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/listpenebusanhistory/'. $auth_user['cawangan'],['norujukan' => $request->norujukan])->throw()->json();
         $tebus_detail = $tebus[0];
 
-        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $tebus_detail['teller']])->json();
+        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $tebus_detail['teller']])->throw()->json();
 
         $keluar=$getTunai2['keluar'];
         $baki=$getTunai2['baki'];
@@ -181,7 +181,7 @@ class AliranTunaiController extends Controller
                  'keluar'=>$keluar,
                  'masuk'=>$masuk,
                  'bakiakhir'=>$bakiakhir
-             ]);
+             ])->throw();
 
         }else{
 
@@ -199,7 +199,7 @@ class AliranTunaiController extends Controller
                  'keluar'=>$keluar,
                  'masuk'=>$masuk,
                  'bakiakhir'=>$bakiakhir
-             ]);
+             ])->throw();
         }
 
     }
@@ -208,13 +208,13 @@ class AliranTunaiController extends Controller
 
         $auth_user = Auth::user();
 
-        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan)->json();
+        $gadai = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/gadai/norujukan/'. $auth_user['cawangan'] .'/' .$request->norujukan)->throw()->json();
         $gadai_detail = $gadai[0];
 
-        $tebus = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/listpenebusanhistory/'. $auth_user['cawangan'],['norujukan' => $request->norujukan])->json();
+        $tebus = Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url') . '/api/listpenebusanhistory/'. $auth_user['cawangan'],['norujukan' => $request->norujukan])->throw()->json();
         $tebus_detail = $tebus[0];
 
-        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $tebus_detail['teller']])->json();
+        $getTunai2=Http::withOptions(['verify' => config('app.api_verify')])->get(config('api.url').'/api/GetCurrentTunai/'.$auth_user['cawangan'],['kodlaluan' => $tebus_detail['teller']])->throw()->json();
 
         $keluar=$getTunai2['keluar'];
         $baki=$getTunai2['baki'];
@@ -228,7 +228,7 @@ class AliranTunaiController extends Controller
             'keluar'=>$keluar,
             'masuk'=>$masuk,
             'bakiakhir'=>$bakiakhir
-        ]);
+        ])->throw();
     }
 
     public function alirantunaiUpahBknTawarruq(Request $request){
diff --git a/app/Http/Controllers/GadaianController.php b/app/Http/Controllers/GadaianController.php
index 128855f2..3b92ff49 100644
--- a/app/Http/Controllers/GadaianController.php
+++ b/app/Http/Controllers/GadaianController.php
@@ -285,6 +285,11 @@ class GadaianController extends Controller
     public function store(Request $request)
     {
         $auth_user = Auth::user();
+        $shoraka = app(\App\Services\ShorakaFinancingService::class);
+        if ($shoraka->local($request->norujukan_gadai)) {
+            return $shoraka->pendingResponse($request, $request->norujukan_gadai);
+        }
+        $shoraka->ensureReady();
         $caraTerima = strtoupper((string) $request->input('cara_terima', 'TUNAI'));
         $pinjamanAmt = round((float) $request->pinjaman, 2);
 
@@ -342,16 +347,20 @@ class GadaianController extends Controller
             'nokp' => $request->nokp,
             'kadar_rebate' => $this->parseMoney($request->kadar_rebate),
             'rebate' => $this->parseMoney($request->rebate),
-        ])->json();
+        ])->throw()->json();
 
 
-        $komuditi = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url') . '/api/komuditi/transaksi', [
-            'unit_komuditi' => round($request->pinjaman, 2),
-            'norujukan' => $request->norujukan_gadai,
-            'kodcaw' => $auth_user['cawangan'],
-            'teller' => $auth_user['name']
+        return $shoraka->hold($request, $request->norujukan_gadai, 'gadai', [
+            'cara_terima' => $caraTerima,
+            'pinjaman' => $pinjamanAmt,
         ]);
+    }
 
+    public function completeShorakaFinancing(Request $request)
+    {
+        $auth_user = Auth::user();
+        $caraTerima = $request->cara_terima;
+        $pinjamanAmt = round((float) $request->pinjaman, 2);
         if ($caraTerima === 'ONLINE') {
             $online = Http::withOptions(['verify' => config('app.api_verify')])
                 ->asForm()
@@ -374,7 +383,7 @@ class GadaianController extends Controller
                 $msg = is_array($body) && isset($body['message'])
                     ? $body['message']
                     : 'Gagal daftar pembiayaan online. Sila cuba lagi.';
-                return redirect()->back()->with('error', $msg);
+                throw new \RuntimeException($msg);
             }
 
             $this->notifyPcPembiayaanOnlinePending($auth_user, $request, $pinjamanAmt);
@@ -594,6 +603,7 @@ class GadaianController extends Controller
 
     public function cetakSAG(Request $request)
     {
+        app(\App\Services\ShorakaFinancingService::class)->printData($request->norujukan_modal);
         $auth_user = Auth::user();
 
         $gadai = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url') . '/api/gadai/norujukan/cetak/' . $auth_user['cawangan'] . '/' . $request->norujukan_modal);
@@ -614,6 +624,7 @@ class GadaianController extends Controller
         }
 
         foreach ($arraynorujukan as $index => $norujukan) {
+            app(\App\Services\ShorakaFinancingService::class)->printData($norujukan);
             $gadai = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url') . '/api/gadai/norujukan/serah/' . $auth_user['cawangan'] . '/' . $norujukan);
 
             if ($gadai->failed()) {
@@ -671,6 +682,12 @@ class GadaianController extends Controller
         // $pembayaran_segera = "https://spare.arrahn.com.my/pembayaransegera";
         $pembayaran_segera = "https://pay.arrahn.com.my";
 
+        $shorakaPrint = app(\App\Services\ShorakaFinancingService::class)->printData($gadai_detail['norujukan']);
+        if ($shorakaPrint) {
+            $komoditi = $shorakaPrint['komoditi'];
+            $product = $shorakaPrint['product'];
+            $kuantiti = $shorakaPrint['kuantiti'];
+        } else {
         $komoditi = Http::withOptions(['verify' => config('app.api_verify')])
             ->get($api_url . '/api/komuditi/check')
             ->json();
@@ -678,6 +695,7 @@ class GadaianController extends Controller
             ->get($api_url . '/api/komuditi/description', ['kodproduk' => $komoditi['kodproduct']])
             ->json();
         $kuantiti = $gadai_detail['pinjaman'] / $komoditi['nilai'];
+        }
 
         if ($gadai_detail['tagbaru'] == 1) {
             $cawangan_info = Http::withOptions(['verify' => config('app.api_verify')])
diff --git a/app/Http/Controllers/PembiayaanOnlineController.php b/app/Http/Controllers/PembiayaanOnlineController.php
index 18ea958c..1971c53b 100644
--- a/app/Http/Controllers/PembiayaanOnlineController.php
+++ b/app/Http/Controllers/PembiayaanOnlineController.php
@@ -522,6 +522,12 @@ class PembiayaanOnlineController extends Controller
 
         $pembayaran_segera = 'https://pay.arrahn.com.my';
 
+        $shorakaPrint = app(\App\Services\ShorakaFinancingService::class)->printData($gadai_detail['norujukan']);
+        if ($shorakaPrint) {
+            $komoditi = $shorakaPrint['komoditi'];
+            $product = $shorakaPrint['product'];
+            $kuantiti = $shorakaPrint['kuantiti'];
+        } else {
         $komoditi = $this->api()->get($api_url . '/api/komuditi/check')->json();
         $product = $this->api()
             ->get($api_url . '/api/komuditi/description', [
@@ -531,6 +537,7 @@ class PembiayaanOnlineController extends Controller
 
         $nilai = is_array($komoditi) ? (float) ($komoditi['nilai'] ?? 0) : 0;
         $kuantiti = $nilai > 0 ? ((float) ($gadai_detail['pinjaman'] ?? 0) / $nilai) : 0;
+        }
 
         if (($gadai_detail['tagbaru'] ?? 0) == 1) {
             $cawangan_info = $this->api()
diff --git a/app/Http/Controllers/PenebusanController.php b/app/Http/Controllers/PenebusanController.php
index 32ef7f7f..c5f5e446 100644
--- a/app/Http/Controllers/PenebusanController.php
+++ b/app/Http/Controllers/PenebusanController.php
@@ -271,6 +271,7 @@ class PenebusanController extends Controller
 
     public function tambahpinjaman(Request $request)
     {
+        app(\App\Services\ShorakaFinancingService::class)->ensureReady();
         $api_url = config('api.url');
         $current = Carbon::now();
         $current = new Carbon();
@@ -405,33 +406,16 @@ class PenebusanController extends Controller
             'upah12' => $keuntungan12bulan,
             'hargajualan' => $hargajualan,
             'kuantiti_marhun' => $request->kuantiti_marhun
-        ])->json();
-
-        $komuditi = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url').'/api/komuditi/transaksi',[
-            'unit_komuditi' => round($request->pinjaman, 2),
-            'norujukan' => $norujukanbaru,
-            'kodcaw' => $auth_user['cawangan'],
-            'teller' => $auth_user['name']
-        ]);
-
-        ////////////////////////////
-        ////Update History Gadaian///
-        ////////////////////////////
-
-        $updatehistorygadaian = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url').'/api/gadai/updatehistory/'. $auth_user['cawangan'] .'/' . $norujukanbaru,[
-            'historygadaian' => $request->norujukan,
-            'jenistebus' => $request->jenistebus,
-        ])->json();
-
-
-        event(new TebusNotify('lulus',Auth::user()->cawangan));
-        event(new GadaiNotify('lulus',Auth::user()->cawangan));
-        $this->AliranTunaiController->alirantunaiTebus($request);
+        ])->throw()->json();
 
+        return app(\App\Services\ShorakaFinancingService::class)->hold(
+            $request, $norujukanbaru, 'refinance', ['update_history' => true]
+        );
     }
 
     public function tambahpinjaman_latest(Request $request)
     {
+        app(\App\Services\ShorakaFinancingService::class)->ensureReady();
         $api_url = config('api.url');
         $current = Carbon::now();
         $current = new Carbon();
@@ -475,17 +459,18 @@ class PenebusanController extends Controller
         ])->json();
 
 
-        if($updatetebus['result'] == 'success'){
-            event(new TebusNotify('lulus',Auth::user()->cawangan));
-            event(new GadaiNotify('lulus',Auth::user()->cawangan));
-            $this->AliranTunaiController->alirantunaiTebus($request);
+        if (($updatetebus['result'] ?? null) === 'success') {
+            abort_unless(!empty($updatetebus['norujukan_baru']), 502, 'Rujukan gadaian baharu tidak diterima.');
+            return app(\App\Services\ShorakaFinancingService::class)->hold(
+                $request, $updatetebus['norujukan_baru'], 'refinance'
+            );
         }
-        return response()->json($updatetebus['result'],200);
-
+        return response()->json($updatetebus['result'] ?? 'error', 200);
     }
 
     public function tebusautotawarruq(Request $request)
     {
+        app(\App\Services\ShorakaFinancingService::class)->ensureReady();
         $auth_user = Auth::user();
 
         ////////////////////////
@@ -515,17 +500,18 @@ class PenebusanController extends Controller
             "noic" => $request->noic,
             "jenisAT" => $request->jenisAT,
         ])->json();
-        if($updatetebus['result'] == 'success'){
-            $alirantunai = new AliranTunaiController();
-            event(new TebusNotify('lulus',Auth::user()->cawangan));
-            event(new GadaiNotify('lulus',Auth::user()->cawangan));
-            $alirantunai->alirantunaiTebusAutoTawarruq($request);
+        if (($updatetebus['result'] ?? null) === 'success') {
+            abort_unless(!empty($updatetebus['norujukan_baru']), 502, 'Rujukan gadaian baharu tidak diterima.');
+            return app(\App\Services\ShorakaFinancingService::class)->hold(
+                $request, $updatetebus['norujukan_baru'], 'autotawarruq'
+            );
         }
-        return response()->json($updatetebus['result'],200);
+        return response()->json($updatetebus['result'] ?? 'error', 200);
     }
 
     public function tebusseparuh(Request $request)
     {
+        app(\App\Services\ShorakaFinancingService::class)->ensureReady();
         $api_url = config('api.url');
         $current = Carbon::now();
         $current = new Carbon();
@@ -666,39 +652,13 @@ class PenebusanController extends Controller
             'upah12' => $keuntungan12bulan,
             'hargajualan' => $hargajualan,
             'kuantiti_marhun' => $request->kuantiti_marhun
-        ])->json();
+        ])->throw()->json();
         
-        $komuditi = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url').'/api/komuditi/transaksi',[
-            'unit_komuditi' => round($request->pinjaman, 2),
-            'norujukan' => $norujukanbaru,
-            'kodcaw' => $auth_user['cawangan'],
-            'teller' => $auth_user['name']
-        ]);
-
-        ////////////////////////////
-       ////Update History Gadaian///
-       ////////////////////////////
-
-        $updatehistorygadaian = Http::withOptions(['verify' => config('app.api_verify')])->put(config('api.url').'/api/gadai/updatehistory/'. $auth_user['cawangan'] .'/' . $norujukanbaru,[
-            'historygadaian' => $request->norujukan,
-            'jenistebus' => $request->jenistebus,
-        ])->json();
-
-
-        $alirantunai = new AliranTunaiController();
-        event(new TebusNotify('lulus',Auth::user()->cawangan));
-        event(new GadaiNotify('lulus',Auth::user()->cawangan));
-
-        $alirantunai->alirantunaiTebus($request);
-
-
-        return response()->json($updatemarhun,200);
-
+        return app(\App\Services\ShorakaFinancingService::class)->hold(
+            $request, $norujukanbaru, 'refinance', ['update_history' => true]
+        );
     }
 
-
-    //Wakil Function
-
     public function getfirstWakil()
     {
         $auth_user = Auth::user();
diff --git a/app/Http/Controllers/ShorakaController.php b/app/Http/Controllers/ShorakaController.php
new file mode 100644
index 00000000..3c6dfb31
--- /dev/null
+++ b/app/Http/Controllers/ShorakaController.php
@@ -0,0 +1,73 @@
+<?php
+
+namespace App\Http\Controllers;
+
+use App\ShorakaFinancing;
+use App\Services\ShorakaFinancingService;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\Auth;
+use Throwable;
+
+class ShorakaController extends Controller
+{
+    public function index()
+    {
+        $records = ShorakaFinancing::where('kodcaw', Auth::user()->cawangan)
+            ->orderByDesc('id')->limit(100)->get();
+        $cawangan_info = ['details_caw' => Auth::user()->cawangan, 'kodcaw' => Auth::user()->cawangan];
+        return view('shoraka.index', compact('records', 'cawangan_info'));
+    }
+
+    public function show(string $norujukan, ShorakaFinancingService $service)
+    {
+        $record = $service->local($norujukan);
+        $data = null;
+        $error = null;
+        try {
+            $data = $service->api()->get($service->url($norujukan))->throw()->json()['data'];
+        } catch (Throwable $exception) {
+            $error = 'Maklumat Shoraka tidak dapat diambil. Bayaran dan SAG masih ditahan.';
+        }
+        $cawangan_info = ['details_caw' => Auth::user()->cawangan, 'kodcaw' => Auth::user()->cawangan];
+        return view('shoraka.show', compact('norujukan', 'record', 'data', 'error', 'cawangan_info'));
+    }
+
+    public function submit(string $norujukan, ShorakaFinancingService $service)
+    {
+        $record = $service->local($norujukan);
+        abort_unless($record && $record->teller === Auth::user()->name, 403);
+        $response = $service->api()->post($service->url($norujukan, '/submit'));
+        return redirect()->route('shoraka.show', compact('norujukan'))
+            ->with('shoraka_message', $response->successful()
+                ? 'Order dihantar. Semak status sebelum menyelesaikan pembiayaan.'
+                : (($response->json()['message'] ?? null) ?: 'Order belum berjaya. Semak status sebelum cuba semula.'));
+    }
+
+    public function refresh(string $norujukan, ShorakaFinancingService $service)
+    {
+        try {
+            $response = $service->api()->post($service->url($norujukan, '/refresh'));
+            $message = $response->successful() ? 'Status dikemas kini.'
+                : (($response->json()['message'] ?? null) ?: 'Status tidak dapat dikemas kini.');
+        } catch (Throwable $exception) {
+            $message = 'Sambungan terganggu. Jangan hantar order semula.';
+        }
+        return redirect()->route('shoraka.show', compact('norujukan'))->with('shoraka_message', $message);
+    }
+
+    public function finish(Request $request, string $norujukan, ShorakaFinancingService $service)
+    {
+        return $service->finish($request, $norujukan);
+    }
+
+    public function certificate(string $norujukan, ShorakaFinancingService $service)
+    {
+        $response = $service->api()->get($service->url($norujukan, '/certificate'))->throw();
+        abort_unless(substr($response->body(), 0, 5) === '%PDF-', 502);
+        return response($response->body(), 200, [
+            'Content-Type' => 'application/pdf',
+            'Content-Disposition' => 'attachment; filename="sijil-shoraka.pdf"',
+            'Cache-Control' => 'private, no-store',
+        ]);
+    }
+}
diff --git a/app/Services/ShorakaFinancingService.php b/app/Services/ShorakaFinancingService.php
new file mode 100644
index 00000000..ded8ecd7
--- /dev/null
+++ b/app/Services/ShorakaFinancingService.php
@@ -0,0 +1,153 @@
+<?php
+
+namespace App\Services;
+
+use App\ShorakaFinancing;
+use App\Http\Controllers\GadaianController;
+use App\Http\Controllers\AliranTunaiController;
+use App\Events\Dashboard\GadaiNotify;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\Auth;
+use Illuminate\Support\Facades\Http;
+use Throwable;
+
+class ShorakaFinancingService
+{
+    public function ensureReady(): void
+    {
+        // Check local migration before any registration side effect.
+        ShorakaFinancing::where('kodcaw', Auth::user()->cawangan)->exists();
+        $response = $this->api()->get(rtrim(config('api.url'), '/') . '/api/shoraka/readiness')->throw()->json();
+        abort_unless(!empty($response['ready']), 503, 'Shoraka belum dikonfigurasi. Pembiayaan baharu ditahan.');
+    }
+
+    public function api()
+    {
+        return Http::withOptions(['verify' => config('app.api_verify')])
+            ->acceptJson()->timeout(75);
+    }
+
+    public function url(string $reference, string $suffix = ''): string
+    {
+        return rtrim(config('api.url'), '/') . '/api/shoraka/gadai/'
+            . rawurlencode(Auth::user()->cawangan) . '/' . rawurlencode($reference) . $suffix;
+    }
+
+    public function local(string $reference)
+    {
+        return ShorakaFinancing::where('kodcaw', Auth::user()->cawangan)
+            ->where('norujukan', $reference)->first();
+    }
+
+    public function hold(Request $request, string $reference, string $action, array $extra = [])
+    {
+        $user = Auth::user();
+        $record = ShorakaFinancing::firstOrCreate(
+            ['kodcaw' => $user->cawangan, 'norujukan' => $reference],
+            [
+                'teller' => $user->name, 'action' => $action, 'state' => 'WAITING',
+                'context' => array_merge($request->except(['_token', 'password']), $extra),
+            ]
+        );
+        // A duplicate request only opens the saved workflow; it never replays registration.
+        if ($record->wasRecentlyCreated) {
+            try {
+                $this->api()->post($this->url($reference, '/submit'));
+            } catch (Throwable $exception) {
+                // The persisted workflow remains available after timeouts.
+            }
+        }
+        return $this->pendingResponse($request, $reference);
+    }
+
+    public function pendingResponse(Request $request, string $reference)
+    {
+        $url = route('shoraka.show', ['norujukan' => $reference]);
+        if ($request->ajax() || $request->expectsJson()) {
+            return response()->json(['shoraka_pending' => true, 'redirect' => $url], 202);
+        }
+        return redirect($url);
+    }
+
+    public function finish(Request $request, string $reference)
+    {
+        $record = $this->local($reference);
+        abort_unless($record && $record->teller === Auth::user()->name, 403,
+            'Pembiayaan perlu diselesaikan oleh teller asal.');
+        if ($record->state === 'DONE') {
+            return redirect()->route('shoraka.show', ['norujukan' => $reference]);
+        }
+        abort_unless($record->state === 'WAITING', 409,
+            'Penyelesaian telah diproses atau memerlukan semakan operasi. Jangan ulang bayaran.');
+
+        $this->api()->post($this->url($reference, '/refresh'))->throw();
+        $snapshot = $this->api()->get($this->url($reference))->throw()->json()['data'];
+        abort_unless(!empty($snapshot['can_complete']), 409,
+            'Bayaran ditahan sehingga Shoraka Completed dan amaun sepadan.');
+
+        abort_unless(
+            number_format((float) ($record->context['pinjaman'] ?? 0), 2, '.', '')
+                === number_format((float) ($snapshot['order_amount'] ?? 0), 2, '.', ''),
+            409, 'Amaun pembiayaan berubah. Semakan operasi diperlukan sebelum bayaran.'
+        );
+
+        $claimed = ShorakaFinancing::where('id', $record->id)->where('state', 'WAITING')
+            ->update(['state' => 'PROCESSING', 'updated_at' => now()]);
+        abort_unless($claimed === 1, 409, 'Penyelesaian sedang diproses.');
+
+        $saved = new Request($record->context);
+        $saved->setLaravelSession($request->session());
+        try {
+            if ($record->action === 'gadai') {
+                $result = app(GadaianController::class)->completeShorakaFinancing($saved);
+            } else {
+                if (!empty($record->context['update_history'])) {
+                    $this->api()->put(rtrim(config('api.url'), '/') . '/api/gadai/updatehistory/'
+                        . rawurlencode($record->kodcaw) . '/' . rawurlencode($reference), [
+                            'historygadaian' => $saved->norujukan,
+                            'jenistebus' => $saved->jenistebus,
+                        ])->throw();
+                }
+                $cash = app(AliranTunaiController::class);
+                if ($record->action === 'autotawarruq') {
+                    $cash->alirantunaiTebusAutoTawarruq($saved);
+                } else {
+                    $cash->alirantunaiTebus($saved);
+                }
+                event(new \App\Events\Dashboard\TebusNotify('lulus', $record->kodcaw));
+                event(new GadaiNotify('lulus', $record->kodcaw));
+                $result = redirect()->route('shoraka.show', ['norujukan' => $reference]);
+            }
+            $record->update(['state' => 'DONE', 'context' => []]);
+            return $result;
+        } catch (Throwable $exception) {
+            // A failed remote payment response can be ambiguous. Never retry automatically.
+            $record->update(['state' => 'REVIEW']);
+            throw $exception;
+        }
+    }
+
+    public function printData(string $reference): ?array
+    {
+        $response = $this->api()->get($this->url($reference))->throw()->json()['data'];
+        $order = $response['order'] ?? null;
+        if (!$order) {
+            abort_if($this->local($reference), 409, 'SAG ditahan: transaksi Shoraka belum tersedia.');
+            return null; // Historical financing keeps its historical print path.
+        }
+        abort_unless(!empty($response['can_complete']), 409, 'SAG ditahan: Shoraka belum Completed.');
+        $details = $response['details'] ?? [];
+        $certificate = explode('|', $details['certificateDetails1'] ?? '')[0];
+        abort_unless($certificate !== '' && isset($details['unit'], $details['volume'], $details['commodityType']),
+            409, 'Maklumat sijil belum lengkap. Semak status Shoraka dahulu.');
+        return [
+            'komoditi' => ['no_sijil' => $certificate],
+            'product' => [
+                'kodproduk' => $details['commodityType'],
+                'description' => $details['commodityType'] === '000-COPPER' ? 'Copper' : 'Plastic resin',
+                'unit' => $details['unit'],
+            ],
+            'kuantiti' => $details['volume'],
+        ];
+    }
+}
diff --git a/app/ShorakaFinancing.php b/app/ShorakaFinancing.php
new file mode 100644
index 00000000..3e1e8564
--- /dev/null
+++ b/app/ShorakaFinancing.php
@@ -0,0 +1,11 @@
+<?php
+
+namespace App;
+
+use Illuminate\Database\Eloquent\Model;
+
+class ShorakaFinancing extends Model
+{
+    protected $guarded = [];
+    protected $casts = ['context' => 'array'];
+}
diff --git a/database/migrations/2026_10_05_120000_create_shoraka_financings_table.php b/database/migrations/2026_10_05_120000_create_shoraka_financings_table.php
new file mode 100644
index 00000000..1e4090bd
--- /dev/null
+++ b/database/migrations/2026_10_05_120000_create_shoraka_financings_table.php
@@ -0,0 +1,28 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+class CreateShorakaFinancingsTable extends Migration
+{
+    public function up()
+    {
+        Schema::create('shoraka_financings', function (Blueprint $table) {
+            $table->bigIncrements('id');
+            $table->string('kodcaw', 20);
+            $table->string('norujukan');
+            $table->string('teller');
+            $table->string('action', 30);
+            $table->string('state', 30)->default('WAITING');
+            $table->json('context');
+            $table->timestamps();
+            $table->unique(['kodcaw', 'norujukan']);
+        });
+    }
+
+    public function down()
+    {
+        Schema::dropIfExists('shoraka_financings');
+    }
+}
diff --git a/resources/views/callcenter/v2/index.blade.php b/resources/views/callcenter/v2/index.blade.php
index e0dab1a0..bd13e2bf 100644
--- a/resources/views/callcenter/v2/index.blade.php
+++ b/resources/views/callcenter/v2/index.blade.php
@@ -2814,25 +2814,25 @@
 
             $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/customers/v1/info.blade.php b/resources/views/customers/v1/info.blade.php
index 7a70644c..f1e2ddf1 100644
--- a/resources/views/customers/v1/info.blade.php
+++ b/resources/views/customers/v1/info.blade.php
@@ -461,25 +461,25 @@
         }else{
             $.ajax({
                 method:'get',
-                url: api_url + '/api/komuditi/check',
+                url: api_url + '/api/shoraka/readiness',
                 success:function(data){
                     var check_komuditi = Object.keys(data).length;
-                    if(check_komuditi == 0){
+                    if (!data.ready){
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komoditi Berbaki Minima',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komoditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         $("#daftar_gadai").prop('disabled', false);
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(data['unit_komuditi']) <= min_komoditi){
+                        if (!data.ready){
                             $("#daftar_gadai").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Unit Komoditi Berbaki Minima',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komoditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/customers/v2/info.blade.php b/resources/views/customers/v2/info.blade.php
index 9ab201a7..4d1cb40d 100644
--- a/resources/views/customers/v2/info.blade.php
+++ b/resources/views/customers/v2/info.blade.php
@@ -758,25 +758,25 @@
         } else {
             $.ajax({
                 method: 'get',
-                url: api_url + '/api/komuditi/check',
+                url: api_url + '/api/shoraka/readiness',
                 success: function(data) {
                     var check_komuditi = Object.keys(data).length;
-                    if (check_komuditi == 0) {
+                    if (!data.ready) {
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komoditi Berbaki Minima',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komoditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         $("#daftar_gadai").prop('disabled', false);
                         event.preventDefault();
                         return false;
                     } else {
-                        if (Number(data['unit_komuditi']) <= min_komoditi) {
+                        if (!data.ready) {
                             $("#daftar_gadai").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Unit Komoditi Berbaki Minima',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komoditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/gadaian/v1/index.blade.php b/resources/views/gadaian/v1/index.blade.php
index a4be210d..7aa435ed 100644
--- a/resources/views/gadaian/v1/index.blade.php
+++ b/resources/views/gadaian/v1/index.blade.php
@@ -819,25 +819,25 @@
                 }else{
                     $.ajax({
                         method:'get',
-                        url: api_url + '/api/komuditi/check',
+                        url: api_url + '/api/shoraka/readiness',
                         success:function(data){
                             var check_komuditi = Object.keys(data).length;
-                            if(check_komuditi == 0){
+                            if (!data.ready){
                                 $("#terima_gadai").prop('disabled', false);
                                 Swal.fire({
                                     icon: 'error',
-                                    title: 'Unit Komuditi Berbaki Minumum',
-                                    text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                    title: 'Shoraka Belum Tersedia',
+                                    text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                                 });
                                 event.preventDefault();
                                 return false;
                             }else{
-                                if(Number(data['unit_komuditi']) < pinjaman){
+                                if (!data.ready){
                                     $("#terima_gadai").prop('disabled', false);
                                     Swal.fire({
                                         icon: 'error',
-                                        title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                        text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                        title: 'Shoraka Belum Tersedia',
+                                        text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                                     });
                                     event.preventDefault();
                                     return false;
diff --git a/resources/views/gadaian/v2/index.blade.php b/resources/views/gadaian/v2/index.blade.php
index 57a5ae45..b01646e6 100644
--- a/resources/views/gadaian/v2/index.blade.php
+++ b/resources/views/gadaian/v2/index.blade.php
@@ -1655,25 +1655,25 @@
                 }else{
                     $.ajax({
                         method:'get',
-                        url: api_url + '/api/komuditi/check',
+                        url: api_url + '/api/shoraka/readiness',
                         success:function(data){
                             var check_komuditi = Object.keys(data).length;
-                            if(check_komuditi == 0){
+                            if (!data.ready){
                                 $("#terima_gadai").prop('disabled', false);
                                 Swal.fire({
                                     icon: 'error',
-                                    title: 'Unit Komuditi Berbaki Minumum',
-                                    text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                    title: 'Shoraka Belum Tersedia',
+                                    text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                                 });
                                 event.preventDefault();
                                 return false;
                             }else{
-                                if(Number(data['unit_komuditi']) < pinjaman){
+                                if (!data.ready){
                                     $("#terima_gadai").prop('disabled', false);
                                     Swal.fire({
                                         icon: 'error',
-                                        title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                        text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                        title: 'Shoraka Belum Tersedia',
+                                        text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                                     });
                                     event.preventDefault();
                                     return false;
diff --git a/resources/views/layouts/app.blade.php b/resources/views/layouts/app.blade.php
index d7d138b2..948c78c3 100644
--- a/resources/views/layouts/app.blade.php
+++ b/resources/views/layouts/app.blade.php
@@ -405,6 +405,7 @@
         @endif
 
         <main class="py-4">
+            @include('shoraka.navigation')
             @yield('content')
         </main>
     </div>
diff --git a/resources/views/penebusan/v1/index.blade.php b/resources/views/penebusan/v1/index.blade.php
index a43f13de..94c81ed5 100644
--- a/resources/views/penebusan/v1/index.blade.php
+++ b/resources/views/penebusan/v1/index.blade.php
@@ -2022,25 +2022,25 @@
 
 	        $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/penebusan/v2/index-khazanah.blade.php b/resources/views/penebusan/v2/index-khazanah.blade.php
index 54a367fa..18e23193 100644
--- a/resources/views/penebusan/v2/index-khazanah.blade.php
+++ b/resources/views/penebusan/v2/index-khazanah.blade.php
@@ -2258,25 +2258,25 @@
 
 	        $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/penebusan/v2/index.blade.php b/resources/views/penebusan/v2/index.blade.php
index a3b75d77..14a40473 100644
--- a/resources/views/penebusan/v2/index.blade.php
+++ b/resources/views/penebusan/v2/index.blade.php
@@ -2264,27 +2264,27 @@
             let komuditiblock = false;
             $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 async:false,
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         komuditiblock = true;
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             komuditiblock = true;
                             event.preventDefault();
@@ -2646,29 +2646,29 @@
             let komuditiblock = false;
             $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 async:false,
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.close();
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         komuditiblock = true;
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.close();
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             komuditiblock = true;
                             event.preventDefault();
@@ -3106,25 +3106,25 @@
 
             $.ajax({
                 method:'get',
-                url: api + '/api/komuditi/check',
+                url: api + '/api/shoraka/readiness',
                 success:function(komoditi){
                     var check_komuditi = Object.keys(komoditi).length;
-                    if(check_komuditi == 0){
+                    if (!komoditi.ready){
                         $("#terima_transaksi").prop('disabled', false);
                         Swal.fire({
                             icon: 'error',
-                            title: 'Unit Komuditi Berbaki Minumum',
-                            text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                            title: 'Shoraka Belum Tersedia',
+                            text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                         });
                         event.preventDefault();
                         return false;
                     }else{
-                        if(Number(komoditi['unit_komuditi']) < pinjaman_baru){
+                        if (!komoditi.ready){
                             $("#terima_transaksi").prop('disabled', false);
                             Swal.fire({
                                 icon: 'error',
-                                title: 'Baki Unit Komuditi Tidak Mencukupi',
-                                text: 'Sila Hubungi Operasi Untuk Membuat Pembelian Komuditi'
+                                title: 'Shoraka Belum Tersedia',
+                                text: 'Sila hubungi operasi untuk semakan sambungan Shoraka.'
                             });
                             event.preventDefault();
                             return false;
diff --git a/resources/views/print/sag.blade.php b/resources/views/print/sag.blade.php
index 8f2267a4..2ef1d719 100644
--- a/resources/views/print/sag.blade.php
+++ b/resources/views/print/sag.blade.php
@@ -556,9 +556,16 @@
   </table>
 
   @php
-    $komuditi = Http::withOptions(['verify' => config('app.api_verify')])->get($api_url . '/api/komuditi/check')->json();
+    $shorakaPrint = app(\App\Services\ShorakaFinancingService::class)->printData($gadai_detail['norujukan']);
+        if ($shorakaPrint) {
+            $komuditi = $shorakaPrint['komoditi'];
+            $product = $shorakaPrint['product'];
+            $kuantiti = $shorakaPrint['kuantiti'];
+        } else {
+$komuditi = Http::withOptions(['verify' => config('app.api_verify')])->get($api_url . '/api/komuditi/check')->json();
     $product = Http::withOptions(['verify' => config('app.api_verify')])->get($api_url . '/api/komuditi/description',['kodproduk'=>$komuditi['kodproduct']])->json();
     $kuantiti = $gadai_detail['pinjaman']/$komuditi['nilai'];
+        }
   @endphp
 
   <table style="margin-bottom:10px;" id="keuntungan">
diff --git a/resources/views/print/sag_ujrah.blade.php b/resources/views/print/sag_ujrah.blade.php
index 8844952e..d0d6cfd5 100644
--- a/resources/views/print/sag_ujrah.blade.php
+++ b/resources/views/print/sag_ujrah.blade.php
@@ -654,13 +654,20 @@
 
 
     @php
-        $komuditi = Http::withOptions(['verify' => config('app.api_verify')])
+        $shorakaPrint = app(\App\Services\ShorakaFinancingService::class)->printData($gadai_detail['norujukan']);
+        if ($shorakaPrint) {
+            $komuditi = $shorakaPrint['komoditi'];
+            $product = $shorakaPrint['product'];
+            $kuantiti = $shorakaPrint['kuantiti'];
+        } else {
+$komuditi = Http::withOptions(['verify' => config('app.api_verify')])
             ->get($api_url . '/api/komuditi/check')
             ->json();
         $product = Http::withOptions(['verify' => config('app.api_verify')])
             ->get($api_url . '/api/komuditi/description', ['kodproduk' => $komuditi['kodproduct']])
             ->json();
         $kuantiti = $gadai_detail['pinjaman'] / $komuditi['nilai'];
+        }
     @endphp
 
     <table style="margin-bottom:10px;" id="keuntungan">
diff --git a/resources/views/print/sag_ujrah_2.blade.php b/resources/views/print/sag_ujrah_2.blade.php
index 923c9007..342af026 100644
--- a/resources/views/print/sag_ujrah_2.blade.php
+++ b/resources/views/print/sag_ujrah_2.blade.php
@@ -713,13 +713,20 @@
         </tr>
     </table>
     @php
-        $komuditi = Http::withOptions(['verify' => config('app.api_verify')])
+        $shorakaPrint = app(\App\Services\ShorakaFinancingService::class)->printData($gadai_detail['norujukan']);
+        if ($shorakaPrint) {
+            $komuditi = $shorakaPrint['komoditi'];
+            $product = $shorakaPrint['product'];
+            $kuantiti = $shorakaPrint['kuantiti'];
+        } else {
+$komuditi = Http::withOptions(['verify' => config('app.api_verify')])
             ->get($api_url . '/api/komuditi/check')
             ->json();
         $product = Http::withOptions(['verify' => config('app.api_verify')])
             ->get($api_url . '/api/komuditi/description', ['kodproduk' => $komuditi['kodproduct']])
             ->json();
         $kuantiti = $gadai_detail['pinjaman'] / $komuditi['nilai'];
+        }
     @endphp
 
     <table id="keuntungan" style="margin-bottom:10px;">
diff --git a/resources/views/shoraka/index.blade.php b/resources/views/shoraka/index.blade.php
new file mode 100644
index 00000000..f5a60e66
--- /dev/null
+++ b/resources/views/shoraka/index.blade.php
@@ -0,0 +1,21 @@
+@extends('layouts.app')
+@section('content')
+<div class="container py-3">
+    <h3>Pembiayaan Shoraka</h3>
+    <p>Semak transaksi komoditi dan selesaikan pembiayaan selepas status Completed.</p>
+    <table class="table table-bordered">
+        <thead><tr><th>No. rujukan</th><th>Teller</th><th>Penyelesaian pembiayaan</th><th></th></tr></thead>
+        <tbody>
+        @forelse($records as $record)
+            <tr>
+                <td>{{ $record->norujukan }}</td><td>{{ $record->teller }}</td>
+                <td>{{ ['WAITING' => 'Menunggu Shoraka / penyelesaian', 'PROCESSING' => 'Sedang diproses', 'REVIEW' => 'Perlu semakan operasi', 'DONE' => 'Selesai'][$record->state] ?? $record->state }}</td>
+                <td><a class="btn btn-primary" href="{{ route('shoraka.show', $record->norujukan) }}">Buka</a></td>
+            </tr>
+        @empty
+            <tr><td colspan="4">Tiada transaksi.</td></tr>
+        @endforelse
+        </tbody>
+    </table>
+</div>
+@endsection
diff --git a/resources/views/shoraka/navigation.blade.php b/resources/views/shoraka/navigation.blade.php
new file mode 100644
index 00000000..4953cb22
--- /dev/null
+++ b/resources/views/shoraka/navigation.blade.php
@@ -0,0 +1,27 @@
+@auth
+@if(in_array(Auth::user()->roles, ['teller', 'penilai', 'pc', 'ppc', 'admin', 'masteradmin', 'operasi']) || Auth::user()->role_harian === 'teller')
+<div class="container-fluid text-right py-1">
+    <a class="btn btn-sm btn-outline-primary" href="{{ route('shoraka.index') }}">Pembiayaan Shoraka</a>
+</div>
+@endif
+@endauth
+<script>
+// Existing refinancing AJAX handlers must not print receipts or announce payment
+// success when the server has deferred the financial completion.
+$.ajaxPrefilter(function (options) {
+    var success = options.success;
+    options.success = function (data) {
+        if (data && data.shoraka_pending && data.redirect) {
+            window.location.assign(data.redirect);
+            return;
+        }
+        if (typeof success === 'function') {
+            return success.apply(this, arguments);
+        }
+        if (Array.isArray(success)) {
+            var args = arguments, context = this;
+            success.forEach(function (callback) { callback.apply(context, args); });
+        }
+    };
+});
+</script>
diff --git a/resources/views/shoraka/show.blade.php b/resources/views/shoraka/show.blade.php
new file mode 100644
index 00000000..ad6e7f97
--- /dev/null
+++ b/resources/views/shoraka/show.blade.php
@@ -0,0 +1,57 @@
+@extends('layouts.app')
+@section('content')
+<div class="container py-3">
+    <a href="{{ route('shoraka.index') }}">Kembali ke senarai</a>
+    <h3 class="mt-3">Komoditi Shoraka — {{ $norujukan }}</h3>
+    @if($error)<div class="alert alert-danger">{{ $error }}</div>@endif
+    @if(session('shoraka_message'))<div class="alert alert-info">{{ session('shoraka_message') }}</div>@endif
+    @php
+        $order = $data['order'] ?? null;
+        $status = $order['status'] ?? 'Belum dihantar';
+        $ready = !empty($data['can_complete']);
+    @endphp
+    <dl class="row">
+        <dt class="col-sm-4">Status komoditi</dt><dd class="col-sm-8">{{ $status }}</dd>
+        <dt class="col-sm-4">Order ID</dt><dd class="col-sm-8">{{ $order['order_id'] ?? '—' }}</dd>
+        <dt class="col-sm-4">Pembiayaan</dt><dd class="col-sm-8">RM {{ number_format($data['order_amount'] ?? 0, 2) }}</dd>
+        <dt class="col-sm-4">Harga jualan</dt><dd class="col-sm-8">RM {{ number_format($data['murabaha_amount'] ?? 0, 2) }}</dd>
+    </dl>
+    @if(!$ready)
+        <div class="alert alert-warning">Bayaran pembiayaan dan SAG ditahan sehingga transaksi komoditi Completed.</div>
+    @endif
+    @if(in_array($status, ['UNKNOWN', 'FAILED', 'PENDING']))
+        <p>Jangan hantar order sekali lagi. Hubungi operasi untuk semakan dengan Shoraka.</p>
+    @endif
+    @if($record && in_array($record->state, ['REVIEW', 'PROCESSING']))
+        <div class="alert alert-warning">Penyelesaian sedang diproses atau memerlukan semakan operasi. Jangan ulang bayaran.</div>
+    @elseif($record && $record->state === 'DONE')
+        <div class="alert alert-success">Pembiayaan telah diselesaikan.</div>
+    @endif
+    <div class="d-flex flex-wrap">
+        @if($order && !empty($order['order_id']))
+        <form class="mr-2 mb-2" method="post" action="{{ route('shoraka.refresh', $norujukan) }}">@csrf
+            <button class="btn btn-info" type="submit">Semak Status</button>
+        </form>
+        @elseif($data && !$order && $record && $record->teller === Auth::user()->name)
+        <form class="mr-2 mb-2" method="post" action="{{ route('shoraka.submit', $norujukan) }}">@csrf
+            <button class="btn btn-primary" type="submit">Hantar Order</button>
+        </form>
+        @endif
+        @if($ready && $record && $record->state === 'WAITING' && $record->teller === Auth::user()->name)
+        <form class="mr-2 mb-2" method="post" action="{{ route('shoraka.finish', $norujukan) }}">@csrf
+            <button class="btn btn-success" type="submit">Selesaikan Pembiayaan</button>
+        </form>
+        @endif
+        @if($ready)
+        <a class="btn btn-secondary mb-2" href="{{ route('shoraka.certificate', $norujukan) }}">Muat Turun Sijil</a>
+        @endif
+    </div>
+</div>
+<script>
+document.querySelectorAll('form').forEach(function (form) {
+    form.addEventListener('submit', function () {
+        form.querySelectorAll('button[type="submit"]').forEach(function (button) { button.disabled = true; });
+    });
+});
+</script>
+@endsection
diff --git a/routes/web.php b/routes/web.php
index 64bf6c4c..ad6b00b4 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -605,4 +605,12 @@ Route::post('/pampasan/terima',['as' => 'pampasan.terima', 'uses' => 'KhazanahCo
 Route::get(('/pampasan/resit'), ['as' => 'pampasan.resit', 'uses' => 'KhazanahController@resitPampasan'])->middleware('auth', 'khazanah');
 
 //Surat Pampasan
-Route::get('/pampasan/surat/{norujukan}', ['as' => 'pampasan.surat', 'uses' => 'KhazanahController@suratPampasan'])->middleware('auth', 'role:teller,khazanah');
\ No newline at end of file
+Route::get('/pampasan/surat/{norujukan}', ['as' => 'pampasan.surat', 'uses' => 'KhazanahController@suratPampasan'])->middleware('auth', 'role:teller,khazanah');
+Route::group(['prefix' => 'shoraka', 'middleware' => ['auth', 'role:teller,penilai,khazanah,admin,masteradmin,operasi']], function () {
+    Route::get('/', 'ShorakaController@index')->name('shoraka.index');
+    Route::get('/{norujukan}', 'ShorakaController@show')->name('shoraka.show');
+    Route::post('/{norujukan}/submit', 'ShorakaController@submit')->name('shoraka.submit');
+    Route::post('/{norujukan}/refresh', 'ShorakaController@refresh')->name('shoraka.refresh');
+    Route::post('/{norujukan}/finish', 'ShorakaController@finish')->name('shoraka.finish');
+    Route::get('/{norujukan}/certificate', 'ShorakaController@certificate')->name('shoraka.certificate');
+});
diff --git a/tests/Feature/ShorakaFinancingTest.php b/tests/Feature/ShorakaFinancingTest.php
new file mode 100644
index 00000000..4fc80192
--- /dev/null
+++ b/tests/Feature/ShorakaFinancingTest.php
@@ -0,0 +1,238 @@
+<?php
+
+namespace Tests\Feature;
+
+use App\ShorakaFinancing;
+use App\User;
+use App\Services\ShorakaFinancingService;
+use App\Http\Controllers\GadaianController;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Http;
+use Illuminate\Http\Client\Factory;
+use Mockery;
+use Tests\TestCase;
+
+class ShorakaFinancingTest extends TestCase
+{
+    protected function setUp(): void
+    {
+        parent::setUp();
+        config([
+            'database.default' => 'shoraka_test',
+            'database.connections.shoraka_test' => ['driver' => 'sqlite', 'database' => ':memory:', 'prefix' => ''],
+            'api.url' => 'https://api.test', 'session.driver' => 'array',
+        ]);
+        DB::purge('shoraka_test');
+        require_once database_path('migrations/2026_10_05_120000_create_shoraka_financings_table.php');
+        (new \CreateShorakaFinancingsTable())->up();
+        $this->actingAs(new User(['name' => 'teller1', 'cawangan' => 'KB2', 'roles' => 'teller']));
+        Http::swap(new Factory());
+    }
+
+    protected function record(): ShorakaFinancing
+    {
+        return ShorakaFinancing::create([
+            'kodcaw' => 'KB2', 'norujukan' => 'SAG-001', 'teller' => 'teller1',
+            'action' => 'gadai', 'state' => 'WAITING',
+            'context' => ['norujukan_gadai' => 'SAG-001', 'pinjaman' => 1000, 'cara_terima' => 'TUNAI'],
+        ]);
+    }
+
+    protected function request(): Request
+    {
+        $request = new Request(['norujukan_gadai' => 'SAG-001', 'pinjaman' => 1000, '_token' => 'private']);
+        $request->setLaravelSession(app('session.store'));
+        return $request;
+    }
+
+    public function testHoldPersistsAndNeverSubmitsTwice(): void
+    {
+        Http::fake(function ($request) {
+            $this->assertSame('https://api.test/api/shoraka/gadai/KB2/SAG-001/submit', $request->url());
+            return Http::response(['success' => true, 'data' => ['status' => 'Active']]);
+        });
+        $service = new ShorakaFinancingService();
+        $service->hold($this->request(), 'SAG-001', 'gadai');
+        $service->hold($this->request(), 'SAG-001', 'gadai');
+        $this->assertSame(1, ShorakaFinancing::count());
+        $this->assertSame('WAITING', ShorakaFinancing::first()->state);
+        $this->assertArrayNotHasKey('_token', ShorakaFinancing::first()->context);
+        Http::assertSentCount(1);
+    }
+
+    public function testPendingStatusCannotTriggerPayment(): void
+    {
+        $record = $this->record();
+        Http::fake(function () { return Http::response(['data' => ['can_complete' => false]]); });
+        $controller = Mockery::mock(GadaianController::class);
+        $controller->shouldNotReceive('completeShorakaFinancing');
+        $this->app->instance(GadaianController::class, $controller);
+        try {
+            (new ShorakaFinancingService())->finish($this->request(), 'SAG-001');
+            $this->fail('Pending trade must block payment.');
+        } catch (\Symfony\Component\HttpKernel\Exception\HttpException $exception) {
+            $this->assertSame(409, $exception->getStatusCode());
+            $this->assertSame('WAITING', $record->fresh()->state);
+        }
+    }
+
+    public function testCompletedTradePaysOnlyOnce(): void
+    {
+        $record = $this->record();
+        Http::fake(function () { return Http::response(['data' => ['can_complete' => true, 'order_amount' => 1000]]); });
+        $controller = Mockery::mock(GadaianController::class);
+        $controller->shouldReceive('completeShorakaFinancing')->once()->andReturn(redirect('/'));
+        $this->app->instance(GadaianController::class, $controller);
+        $service = new ShorakaFinancingService();
+        $service->finish($this->request(), 'SAG-001');
+        $service->finish($this->request(), 'SAG-001');
+        $this->assertSame('DONE', $record->fresh()->state);
+        $this->assertSame([], $record->fresh()->context);
+        Http::assertSentCount(2);
+    }
+
+    public function testAmbiguousPaymentFailureRequiresReview(): void
+    {
+        $record = $this->record();
+        Http::fake(function () { return Http::response(['data' => ['can_complete' => true, 'order_amount' => 1000]]); });
+        $controller = Mockery::mock(GadaianController::class);
+        $controller->shouldReceive('completeShorakaFinancing')->once()->andThrow(new \RuntimeException('Timeout'));
+        $this->app->instance(GadaianController::class, $controller);
+        try {
+            (new ShorakaFinancingService())->finish($this->request(), 'SAG-001');
+            $this->fail('Expected payment failure.');
+        } catch (\RuntimeException $exception) {
+            $this->assertSame('REVIEW', $record->fresh()->state);
+        }
+        $this->expectException(\Symfony\Component\HttpKernel\Exception\HttpException::class);
+        (new ShorakaFinancingService())->finish($this->request(), 'SAG-001');
+    }
+
+    public function testDifferentTellerCannotCompletePayment(): void
+    {
+        $record = $this->record();
+        $record->update(['teller' => 'someone-else']);
+        Http::fake();
+        try {
+            (new ShorakaFinancingService())->finish($this->request(), 'SAG-001');
+            $this->fail('Expected teller restriction.');
+        } catch (\Symfony\Component\HttpKernel\Exception\HttpException $exception) {
+            $this->assertSame(403, $exception->getStatusCode());
+        }
+        Http::assertNothingSent();
+    }
+
+    public function testPendingTradeCannotPrintSag(): void
+    {
+        $this->record();
+        Http::fake(function () { return Http::response(['data' => [
+            'can_complete' => false, 'order' => ['status' => 'Active'],
+        ]]); });
+        $this->expectException(\Symfony\Component\HttpKernel\Exception\HttpException::class);
+        (new ShorakaFinancingService())->printData('SAG-001');
+    }
+
+    public function testPrintUsesOrderCertificateAndVolume(): void
+    {
+        Http::fake(function () { return Http::response(['data' => [
+            'can_complete' => true, 'order' => ['status' => 'Completed'],
+            'details' => ['certificateDetails1' => 'CERT-01|timestamp|seller', 'unit' => 'Tonnes',
+                'volume' => '1.25', 'commodityType' => '000-COPPER'],
+        ]]); });
+        $data = (new ShorakaFinancingService())->printData('SAG-001');
+        $this->assertSame('CERT-01', $data['komoditi']['no_sijil']);
+        $this->assertSame('1.25', $data['kuantiti']);
+    }
+
+    public function testBranchComesFromAuthenticatedUser(): void
+    {
+        $service = new ShorakaFinancingService();
+        $this->assertSame('https://api.test/api/shoraka/gadai/KB2/SAG-001', $service->url('SAG-001'));
+        $record = $this->record();
+        $record->update(['kodcaw' => 'KB3']);
+        $this->assertNull($service->local('SAG-001'));
+    }
+
+    public function testRegistrationDefersCashAndOnlinePayment(): void
+    {
+        \Illuminate\Support\Facades\Event::fake();
+        Http::fake(function ($request) {
+            if (strpos($request->url(), '/shoraka/readiness') !== false) {
+                return Http::response(['ready' => true]);
+            }
+            if (strpos($request->url(), '/marhun/gadai/') !== false) {
+                return Http::response('2000.00');
+            }
+            if (strpos($request->url(), '/gadai/norujukan/') !== false) {
+                return Http::response('true');
+            }
+            if (strpos($request->url(), '/shoraka/gadai/') !== false) {
+                return Http::response(['success' => true, 'data' => ['status' => 'Active']]);
+            }
+            $this->fail('Unexpected payment request: ' . $request->url());
+        });
+        $request = $this->request();
+        $request->merge([
+            'cara_terima' => 'TUNAI', 'keuntungan_sebulan' => 10,
+            'kadarkeuntungan' => 1, 'total_berat' => 5, 'nokp' => 'IC-1',
+        ]);
+        $result = app(GadaianController::class)->store($request);
+        $this->assertStringContainsString('/shoraka/SAG-001', $result->getTargetUrl());
+        $this->assertSame('WAITING', ShorakaFinancing::first()->state);
+        app(GadaianController::class)->store($request);
+        Http::assertSentCount(4);
+        \Illuminate\Support\Facades\Event::assertNotDispatched(\App\Events\Dashboard\GadaiNotify::class);
+    }
+
+    public function testReadinessFailureBlocksRegistrationBeforeSave(): void
+    {
+        Http::fake(function () { return Http::response(['ready' => false]); });
+        try {
+            app(GadaianController::class)->store($this->request());
+            $this->fail('Registration should be blocked.');
+        } catch (\Symfony\Component\HttpKernel\Exception\HttpException $exception) {
+            $this->assertSame(503, $exception->getStatusCode());
+        }
+        Http::assertSentCount(1);
+        $this->assertSame(0, ShorakaFinancing::count());
+    }
+
+    public function testRefinancingUsesNewReferenceAndDefersCash(): void
+    {
+        \Illuminate\Support\Facades\Event::fake();
+        Http::fake(function ($request) {
+            if (strpos($request->url(), '/shoraka/readiness') !== false) {
+                return Http::response(['ready' => true]);
+            }
+            if (strpos($request->url(), '/updatetambahpinjaman/') !== false) {
+                return Http::response(['result' => 'success', 'norujukan_baru' => 'NEW-SAG']);
+            }
+            if (strpos($request->url(), '/shoraka/gadai/KB2/NEW-SAG/submit') !== false) {
+                return Http::response(['success' => true]);
+            }
+            $this->fail('Unexpected cash/legacy commodity request: ' . $request->url());
+        });
+        $request = $this->request();
+        $request->merge(['norujukan' => 'OLD-SAG']);
+        $request->headers->set('X-Requested-With', 'XMLHttpRequest');
+        $result = app(\App\Http\Controllers\PenebusanController::class)->tambahpinjaman_latest($request);
+        $this->assertSame(202, $result->getStatusCode());
+        $this->assertSame('NEW-SAG', ShorakaFinancing::first()->norujukan);
+        $this->assertSame('refinance', ShorakaFinancing::first()->action);
+        \Illuminate\Support\Facades\Event::assertNotDispatched(\App\Events\Dashboard\GadaiNotify::class);
+    }
+
+    public function testChangedSavedPayoutAmountCannotBePaid(): void
+    {
+        $this->record();
+        Http::fake(function () { return Http::response(['data' => [
+            'can_complete' => true, 'order_amount' => 2000,
+        ]]); });
+        $controller = Mockery::mock(GadaianController::class);
+        $controller->shouldNotReceive('completeShorakaFinancing');
+        $this->app->instance(GadaianController::class, $controller);
+        $this->expectException(\Symfony\Component\HttpKernel\Exception\HttpException::class);
+        (new ShorakaFinancingService())->finish($this->request(), 'SAG-001');
+    }
+}