PASS | Health Check | Status: 200
PASS | Admin Login | Role: ADMIN
PASS | Auth Me (Admin) | Role: ADMIN
PASS | MFO Login | Role: MFO
PASS | CSA Login | Role: CSA
PASS | SLIK Login | Role: SLIK
PASS | CA_TL Login | Role: CA_TL
PASS | BM Login | Role: BM
PASS | Invalid Login Rejected | Msg: Username atau password salah
PASS | List Users | Count: 10
PASS | List Branches | Count: 5
PASS | Admin Settings | Count: 7
PASS | Workflow Settings | Count: 7
PASS | Update Workflow Setting | BM SLA → 180 min
PASS | List Products | Count: 1
PASS | Document Configs | Count: 12
PASS | Scoring Configs | Count: 4
PASS | Add Blacklist | NIK: 1234567890123456
PASS | List Blacklist | Count: 1
PASS | Admin Route RBAC (MFO denied) | Status: 403 or denied
PASS | Create Customer | AppNo: APP-20260225-0007
PASS | List Customers (MFO) | Total: 6
PASS | Get Customer Detail | Status: DRAFT
PASS | NIK Check (valid) | Result: NIK valid
PASS | NIK Check (blacklisted) | Reason: BLACKLISTED
PASS | Update Personal Details | Name: Agus Setiawan
PASS | Update Contacts | Count: 2
PASS | Update Addresses | Count: 2
PASS | Update Business Details | Sector: Perdagangan
PASS | Update Spouse Details | Name: Rina Marlina
PASS | Update Loan Details | Tenor: 24, Weekly: 427083.33
PASS | Installment Calculator | Weekly: 427083, Disbursed: 9900000
PASS | Update Cashflow MFO | Revenue: 5000000
PASS | Update Survey Report | House: good
PASS | Save Declaration | Agreed: true
PASS | Submit Application | Msg: Pengajuan berhasil disubmit
PASS | Status After Submit | Status: CSA_REVIEW
PASS | Remove Blacklist | Removed ID: 3
PASS | CSA Queue | Pending: 1
FAIL | CSA Approve | Msg: Internal server error
FAIL | Status After CSA Approve | Status: CSA_REVIEW
PASS | SLIK Upload (OK) | Msg: Hasil SLIK berhasil diperbarui
FAIL | SLIK Approve | Msg: Internal server error
FAIL | Status After SLIK | Status: CSA_REVIEW
FAIL | CA/TL Cashflow Save | Msg: Internal server error
FAIL | CA/TL Approve | Msg: Internal server error
FAIL | Status After CA/TL | Status: CSA_REVIEW
FAIL | Credit Score Calculated | Score: null, Grade: null
FAIL | BM Approve | Msg: Internal server error
FAIL | Status After BM (escalated to AM) | Status: CSA_REVIEW
FAIL | Approval History | Steps: 1
PASS | Workflow Stats | Total: {"draft":4,"csaReview":1,"caTlReview":0,"bmReview":0,"approved":0,"rejected":2,"returned":0,"total":7}
PASS | Notification List | Count: undefined
FAIL | Unread Count | Unread: undefined
PASS | Public Tracking (by code) | Status: Review CSA, Name: Agus Setiawan
PASS | Public Tracking (by appNo) | Status: Review CSA
PASS | Invalid Tracking Code (404) | Msg: Pengajuan tidak ditemukan
PASS | Reporting Summary | Total: 7, Approved: 0
PASS | Dashboard Stats | Total: 7
PASS | Audit Logs | Count: 20
PASS | CSV Export | Content-Type: text/csv; charset=utf-8
PASS | Create Customer #2 | AppNo: APP-20260225-0008
PASS | Submit Customer #2 | Msg: Pengajuan berhasil disubmit
PASS | CSA Return Application | Msg: Pengajuan berhasil dikembalikan ke MFO
PASS | Status After Return | Status: RETURNED
PASS | Re-submit After Return | Msg: Pengajuan berhasil disubmit
PASS | CSA Reject Application | Msg: Pengajuan berhasil ditolak
PASS | Status After Reject | Status: REJECTED

RESULTS: 56 passed, 12 failed out of 68 tests
FAILURES:
  - CSA Approve: Msg: Internal server error
  - Status After CSA Approve: Status: CSA_REVIEW
  - SLIK Approve: Msg: Internal server error
  - Status After SLIK: Status: CSA_REVIEW
  - CA/TL Cashflow Save: Msg: Internal server error
  - CA/TL Approve: Msg: Internal server error
  - Status After CA/TL: Status: CSA_REVIEW
  - Credit Score Calculated: Score: null, Grade: null
  - BM Approve: Msg: Internal server error
  - Status After BM (escalated to AM): Status: CSA_REVIEW
  - Approval History: Steps: 1
  - Unread Count: Unread: undefined