Emkan Finance
End-to-end finance flow

Two markets. One connected journey.

Saudi is the primary market and fallback; Kuwait is the second market. The same country state travels through financing, tracking, dashboard, payment, transfer, approval letters and the new installment store.

1

Open link

Saudi is detected from timezone/locale and used as fallback. A country link can explicitly open Kuwait. The selector now offers only Saudi and Kuwait.

country = saudi | kuwait
2

Submit application

Apply form uses that country's currency, ID label and placeholder. Submission is saved locally with status Submitted.

id = customer ID
3

Admin approves

Admin sees Saudi and Kuwait records, filters by market, clicks Approve and adds banks for one selected country.

status = approved
4

Track by ID

Customer enters the same Iqama / Civil ID. Track reads the saved status and shows Approved, Review or Rejected.

approved result
5

Dashboard

Opens with the same ID. Amount, monthly payment, fee and terms are converted into that country's currency.

country-specific financing
6

Payment

Only the selected country's bank accounts appear — including any custom bank added from admin for that country.

no mixed-country banks
7

Transfer & PDF

Transfer uses the same country's bank examples and fees. A detailed 2-page approval letter is generated for Saudi or Kuwait.

country PDF
8

Open Emkan Store

Shop Now opens a separate 51-product store with real branded product photography, Saudi/Kuwait prices and hot deals.

shop.html
9

Product details

Every product has colours, variations, quantity, Add to Cart and Buy Now. The mandatory first down payment is shown in detail.

down payment first
10

Cart & checkout

Cart keeps selected colour/variation. Checkout accepts card payment or continues to the existing payment.html bank-transfer flow.

card or payment.html
11

Payment order

The store order, due-today amount, processing fee and status appear at the top of payment.html when arriving from checkout.

shared localStorage
✓

Shared terms

Processing fee 200 base, 0% interest, 0% markup and the on-time fee rejection note appear across hero, details, apply success, portal and store pages.

consistent everywhere
⚡

Cloudinary + Firestore

51 real product images and every admin upload are on Cloudinary. Website text, products, applications, banks, proofs and orders live in Firestore; SDK listeners start only for the opened section.

fast assets · live text
3×

Perfect 3-column boxes

Store and admin product grids show 3 products per row. Every image is contained in a white box with padding and Cloudinary c_pad — no crop, no vertical one-by-one list.

object-fit: contain
🔐

One secure admin

admin / zeeshan opens applications with step marks, payment proof slips, payment method updates, a separate Shop product editor, website text, orders and image library.

admin.html

What each market shows

Same layout, different data. The country chip at the top of every portal page confirms the active market.

MarketCurrencyID usedRegulatorFee (200 base)Banks shown
🇸🇦 SaudiSARNational ID / IqamaSAMASAR 200Al Rajhi Bank, Saudi National Bank
🇰🇼 KuwaitKWDKuwait Civil IDCBKKWD 16.400Kuwait Finance House, National Bank of Kuwait