feat(finance): personal vs company scope for banking + finance entries

User-level data privacy on finance entities. Bireysel = sadece sahibi
görür/düzenler/siler, Şirket = takım görür (mevcut davranış).

Schema additions (4 tables, all enum company|personal default 'company'):
- bank_accounts.scope
- bank_loans.scope
- credit_cards.scope
- finance_entries.scope
+ tenantId_scope index on each.

Inherited fields (no own scope, parent's used):
- loan_installments → from bank_loan
- credit_card_statements → from credit_card

Permissions (lib/appwrite/scope-permissions.ts):
- scopedRowPermissions(tenantId, createdBy, scope):
  * company: Permission.read/update Role.team(tenantId), delete Role.team
    owner|admin (current behavior)
  * personal: read/update/delete Role.user(createdBy) only
- canAccessRow(row, userId): true if scope=company OR createdBy=userId.
  Used as a defense-in-depth check inside actions because we use the
  admin SDK (which bypasses row-level perms).

Action updates:
- bank-account-actions, loan-actions, credit-card-actions, finance-actions:
  pickFormFields includes scope; create uses scopedRowPermissions; update
  re-applies perms when scope changes; update/delete check canAccessRow
  on top of the existing tenantId check.
- loan installment payment & credit card statement payment auto-create
  finance entries that inherit the parent's scope, so a personal loan
  installment doesn't create a company income/expense.

Query updates (all accept optional currentUserId):
- listBankAccounts, listLoans, listCreditCards, listFinanceEntries:
  pull all tenant rows then in-JS filter via canAccessRow.
- getBankAccountBalances respects visible accounts only.
- listAllInstallments / listStatements: filter to only those whose
  parent loan/card is visible.

UI:
- New shared component components/finance/scope-toggle.tsx with
  ScopeToggle (form input) and ScopeBadge (visual marker).
- Bank, loan, card form sheets and the finance form sheet now include
  a Şirket/Bireysel toggle at the top.
- Bank account cards display ScopeBadge for personal entries.
- Page-level queries everywhere now pass ctx.user.id so each user only
  sees their personal rows + the team's company rows.

Reports & Dashboard:
- getDashboardData filters finance entries to scope=company only — so
  team-level metrics never include any user's personal data.
- getFinancialReport (CFO view): bank accounts, loans, cards, finance
  entries, installments and statements all filtered to company scope.
  Personal entities never appear in reports anywhere.

Invoice → finance entry sync explicitly tags scope=company since invoices
are inherently company-scope.

src/app/(dashboard)/finance/banks/components/bank-form-sheet.tsx

@@ -21,6 +21,7 @@ import {
   updateBankAccountAction,
 } from "@/lib/appwrite/bank-account-actions";
 import { initialBankAccountState } from "@/lib/appwrite/bank-account-types";
+import { ScopeToggle } from "@/components/finance/scope-toggle";
 
 import type { BankAccountRow } from "./types";
 
@@ -60,6 +61,8 @@ export function BankFormSheet({ open, onOpenChange, account }: Props) {
           {isEdit && account && <input type="hidden" name="id" value={account.id} />}
 
           <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <ScopeToggle defaultValue={(account as { scope?: "company" | "personal" } | null)?.scope ?? "company"} />
+
             <div className="grid gap-4 md:grid-cols-2">
               <div className="grid gap-2">
                 <Label htmlFor="bankName">Banka *</Label>

src/app/(dashboard)/finance/banks/components/banks-client.tsx

@@ -36,6 +36,7 @@ import {
   deleteBankAccountAction,
 } from "@/lib/appwrite/bank-account-actions";
 import { formatTRY } from "@/lib/format";
+import { ScopeBadge } from "@/components/finance/scope-toggle";
 import { cn } from "@/lib/utils";
 
 import { BankFormSheet } from "./bank-form-sheet";
@@ -229,6 +230,7 @@ function AccountCard({
                   Arşivli
                 </Badge>
               )}
+              <ScopeBadge scope={account.scope} />
             </div>
             <p className="text-muted-foreground mt-0.5 truncate text-sm">{account.accountName}</p>
             {account.iban && (

src/app/(dashboard)/finance/banks/components/types.ts

@@ -7,4 +7,5 @@ export type BankAccountRow = {
   notes: string;
   archived: boolean;
   balance: number;
+  scope: "company" | "personal";
 };

src/app/(dashboard)/finance/banks/page.tsx

@@ -21,8 +21,8 @@ export default async function BanksPage() {
   }
 
   const [accounts, balances] = await Promise.all([
-    listBankAccounts(ctx.tenantId),
-    getBankAccountBalances(ctx.tenantId),
+    listBankAccounts(ctx.tenantId, ctx.user.id),
+    getBankAccountBalances(ctx.tenantId, ctx.user.id),
   ]);
 
   return (
@@ -45,6 +45,7 @@ export default async function BanksPage() {
           notes: a.notes ?? "",
           archived: Boolean(a.archived),
           balance: balances.get(a.$id) ?? a.openingBalance ?? 0,
+          scope: (a.scope ?? "company") as "company" | "personal",
         }))}
       />
     </div>

src/app/(dashboard)/finance/cards/components/card-form-sheet.tsx

@@ -28,6 +28,7 @@ import {
   updateCreditCardAction,
 } from "@/lib/appwrite/credit-card-actions";
 import { initialCreditCardState } from "@/lib/appwrite/credit-card-types";
+import { ScopeToggle } from "@/components/finance/scope-toggle";
 
 import type { BankAccountOption, CreditCardRow } from "./types";
 
@@ -78,6 +79,8 @@ export function CardFormSheet({
           {isEdit && card && <input type="hidden" name="id" value={card.id} />}
 
           <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <ScopeToggle defaultValue={card?.scope ?? "company"} />
+
             <div className="grid gap-4 md:grid-cols-2">
               <div className="grid gap-2">
                 <Label htmlFor="bankName">Banka *</Label>

src/app/(dashboard)/finance/cards/components/types.ts

@@ -11,6 +11,7 @@ export type CreditCardRow = {
   bankAccountLabel: string;
   archived: boolean;
   notes: string;
+  scope: "company" | "personal";
 };
 
 export type StatementRow = {

src/app/(dashboard)/finance/cards/page.tsx

@@ -22,9 +22,9 @@ export default async function CardsPage() {
   }
 
   const [cards, statements, bankAccounts] = await Promise.all([
-    listCreditCards(ctx.tenantId),
-    listStatements(ctx.tenantId),
-    listBankAccounts(ctx.tenantId),
+    listCreditCards(ctx.tenantId, ctx.user.id),
+    listStatements(ctx.tenantId, ctx.user.id),
+    listBankAccounts(ctx.tenantId, ctx.user.id),
   ]);
 
   const bankMap = new Map(
@@ -55,6 +55,7 @@ export default async function CardsPage() {
           bankAccountLabel: c.bankAccountId ? bankMap.get(c.bankAccountId) ?? "" : "",
           archived: Boolean(c.archived),
           notes: c.notes ?? "",
+          scope: (c.scope ?? "company") as "company" | "personal",
         }))}
         statements={statements.map((s) => ({
           id: s.$id,

src/app/(dashboard)/finance/components/finance-form-sheet.tsx

@@ -28,6 +28,7 @@ import {
   updateFinanceEntryAction,
 } from "@/lib/appwrite/finance-actions";
 import { initialFinanceState } from "@/lib/appwrite/finance-types";
+import { ScopeToggle } from "@/components/finance/scope-toggle";
 
 import type { BankAccountOption, Customer, FinanceRow, FinanceType } from "./types";
 
@@ -95,6 +96,10 @@ export function FinanceFormSheet({
           {isEdit && entry && <input type="hidden" name="id" value={entry.id} />}
 
           <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <ScopeToggle
+              defaultValue={(entry as { scope?: "company" | "personal" } | null | undefined)?.scope ?? "company"}
+            />
+
             <div className="grid gap-4 md:grid-cols-2">
               <div className="grid gap-2">
                 <Label htmlFor="type">Tür *</Label>

src/app/(dashboard)/finance/loans/components/loan-form-sheet.tsx

@@ -26,6 +26,7 @@ import { Textarea } from "@/components/ui/textarea";
 import { createLoanAction } from "@/lib/appwrite/loan-actions";
 import { initialLoanState } from "@/lib/appwrite/loan-types";
 import { formatTRY } from "@/lib/format";
+import { ScopeToggle } from "@/components/finance/scope-toggle";
 
 import type { BankAccountOption } from "./types";
 
@@ -85,6 +86,8 @@ export function LoanFormSheet({
           className="flex flex-1 flex-col"
         >
           <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <ScopeToggle />
+
             <div className="grid gap-4 md:grid-cols-2">
               <div className="grid gap-2">
                 <Label htmlFor="bankName">Banka *</Label>

src/app/(dashboard)/finance/loans/components/types.ts

@@ -17,6 +17,7 @@ export type LoanRow = {
   paidAmount: number;
   remainingCount: number;
   nextDue: string | null;
+  scope: "company" | "personal";
 };
 
 export type InstallmentRow = {

src/app/(dashboard)/finance/loans/page.tsx

@@ -19,9 +19,9 @@ export default async function LoansPage() {
   }
 
   const [loans, installments, bankAccounts] = await Promise.all([
-    listLoans(ctx.tenantId),
-    listAllInstallments(ctx.tenantId),
-    listBankAccounts(ctx.tenantId),
+    listLoans(ctx.tenantId, ctx.user.id),
+    listAllInstallments(ctx.tenantId, ctx.user.id),
+    listBankAccounts(ctx.tenantId, ctx.user.id),
   ]);
 
   const bankMap = new Map(
@@ -90,6 +90,7 @@ export default async function LoansPage() {
             paidAmount: m.paidAmount,
             remainingCount: m.remainingCount,
             nextDue: m.nextDue,
+            scope: (l.scope ?? "company") as "company" | "personal",
           };
         })}
         installments={installments.map((i) => ({

src/app/(dashboard)/finance/page.tsx

@@ -20,9 +20,9 @@ export default async function FinancePage() {
   }
 
   const [entries, customers, bankAccounts] = await Promise.all([
-    listFinanceEntries(ctx.tenantId),
+    listFinanceEntries(ctx.tenantId, ctx.user.id),
     listCustomers(ctx.tenantId),
-    listBankAccounts(ctx.tenantId),
+    listBankAccounts(ctx.tenantId, ctx.user.id),
   ]);
 
   const customerMap = new Map(customers.map((c) => [c.$id, c.name]));

src/components/finance/scope-toggle.tsx

@@ -0,0 +1,80 @@
+"use client";
+
+import { useState } from "react";
+import { Building2, User } from "lucide-react";
+
+import { Label } from "@/components/ui/label";
+import { cn } from "@/lib/utils";
+
+type Scope = "company" | "personal";
+
+export function ScopeToggle({
+  name = "scope",
+  defaultValue = "company",
+  label = "Kapsam",
+  description,
+}: {
+  name?: string;
+  defaultValue?: Scope;
+  label?: string;
+  description?: string;
+}) {
+  const [value, setValue] = useState<Scope>(defaultValue);
+  return (
+    <div className="grid gap-2">
+      <Label>{label}</Label>
+      <input type="hidden" name={name} value={value} />
+      <div className="grid grid-cols-2 gap-2">
+        <button
+          type="button"
+          onClick={() => setValue("company")}
+          className={cn(
+            "border-input flex flex-col items-start gap-1 rounded-md border p-3 text-left transition-colors",
+            value === "company"
+              ? "border-primary bg-primary/5"
+              : "hover:bg-muted/50",
+          )}
+        >
+          <div className="flex items-center gap-2 text-sm font-medium">
+            <Building2 className="size-4" />
+            Şirket
+          </div>
+          <p className="text-muted-foreground text-xs">
+            Ekipteki herkes görür ve düzenleyebilir.
+          </p>
+        </button>
+        <button
+          type="button"
+          onClick={() => setValue("personal")}
+          className={cn(
+            "border-input flex flex-col items-start gap-1 rounded-md border p-3 text-left transition-colors",
+            value === "personal"
+              ? "border-primary bg-primary/5"
+              : "hover:bg-muted/50",
+          )}
+        >
+          <div className="flex items-center gap-2 text-sm font-medium">
+            <User className="size-4" />
+            Bireysel
+          </div>
+          <p className="text-muted-foreground text-xs">
+            Yalnızca siz görürsünüz, ekibe yansımaz.
+          </p>
+        </button>
+      </div>
+      {description && <p className="text-muted-foreground text-xs">{description}</p>}
+    </div>
+  );
+}
+
+export function ScopeBadge({ scope }: { scope?: Scope }) {
+  if (scope === "personal") {
+    return (
+      <span className="bg-violet-500/15 text-violet-700 dark:text-violet-300 border-violet-500/30 inline-flex items-center gap-1 rounded-md border px-1.5 py-0.5 text-[10px] font-medium">
+        <User className="size-2.5" />
+        Bireysel
+      </span>
+    );
+  }
+  return null; // Company is default — no badge needed
+}

src/lib/appwrite/bank-account-actions.ts

@@ -1,11 +1,12 @@
 "use server";
 
 import { revalidatePath } from "next/cache";
-import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
+import { AppwriteException, ID, Query } from "node-appwrite";
 import { z } from "zod";
 
 import { logAudit } from "./audit";
 import { DATABASE_ID, TABLES, type BankAccount } from "./schema";
+import { canAccessRow, scopedRowPermissions } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import { requireTenant } from "./tenant-guard";
 import type { BankAccountActionState } from "./bank-account-types";
@@ -25,15 +26,6 @@ function flattenErrors(err: z.ZodError): Record<string, string> {
   return out;
 }
 
-function teamRowPermissions(tenantId: string) {
-  return [
-    Permission.read(Role.team(tenantId)),
-    Permission.update(Role.team(tenantId)),
-    Permission.delete(Role.team(tenantId, "owner")),
-    Permission.delete(Role.team(tenantId, "admin")),
-  ];
-}
-
 function pickFormFields(formData: FormData) {
   return {
     bankName: String(formData.get("bankName") ?? "").trim(),
@@ -41,6 +33,7 @@ function pickFormFields(formData: FormData) {
     iban: String(formData.get("iban") ?? "").trim(),
     openingBalance: String(formData.get("openingBalance") ?? "0"),
     notes: String(formData.get("notes") ?? "").trim(),
+    scope: (formData.get("scope") as "company" | "personal" | null) ?? "company",
   };
 }
 
@@ -71,7 +64,7 @@ export async function createBankAccountAction(
         createdBy: ctx.user.id,
         ...parsed.data,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, parsed.data.scope),
     );
 
     await logAudit({
@@ -116,11 +109,17 @@ export async function updateBankAccountAction(
       TABLES.bankAccounts,
       id,
     )) as unknown as BankAccount;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
-    await tablesDB.updateRow(DATABASE_ID, TABLES.bankAccounts, id, parsed.data);
+    await tablesDB.updateRow(
+      DATABASE_ID,
+      TABLES.bankAccounts,
+      id,
+      parsed.data,
+      scopedRowPermissions(ctx.tenantId, existing.createdBy, parsed.data.scope),
+    );
 
     await logAudit({
       tenantId: ctx.tenantId,
@@ -158,7 +157,7 @@ export async function archiveBankAccountAction(
       TABLES.bankAccounts,
       id,
     )) as unknown as BankAccount;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
@@ -203,7 +202,7 @@ export async function deleteBankAccountAction(
       TABLES.bankAccounts,
       id,
     )) as unknown as BankAccount;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 

src/lib/appwrite/bank-account-queries.ts

@@ -2,6 +2,7 @@ import "server-only";
 
 import { Query } from "node-appwrite";
 
+import { canAccessRow } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import {
   DATABASE_ID,
@@ -10,7 +11,15 @@ import {
   type FinanceEntry,
 } from "./schema";
 
-export async function listBankAccounts(tenantId: string): Promise<BankAccount[]> {
+/**
+ * Returns bank accounts the current user is allowed to see:
+ * - all `company` scope rows
+ * - personal-scope rows where createdBy === currentUserId
+ */
+export async function listBankAccounts(
+  tenantId: string,
+  currentUserId?: string,
+): Promise<BankAccount[]> {
   try {
     const { tablesDB } = createAdminClient();
     const result = await tablesDB.listRows({
@@ -22,30 +31,28 @@ export async function listBankAccounts(tenantId: string): Promise<BankAccount[]>
         Query.limit(200),
       ],
     });
-    return result.rows as unknown as BankAccount[];
+    const rows = result.rows as unknown as BankAccount[];
+    if (!currentUserId) return rows;
+    return rows.filter((r) => canAccessRow(r, currentUserId));
   } catch {
     return [];
   }
 }
 
 /**
- * Computes a current balance for each account: openingBalance + Σ(income/receivable) − Σ(expense/debt).
+ * Computes a current balance for each visible account.
  */
 export async function getBankAccountBalances(
   tenantId: string,
+  currentUserId?: string,
 ): Promise<Map<string, number>> {
   const balances = new Map<string, number>();
   try {
-    const { tablesDB } = createAdminClient();
-    const accounts = await tablesDB.listRows({
-      databaseId: DATABASE_ID,
-      tableId: TABLES.bankAccounts,
-      queries: [Query.equal("tenantId", tenantId), Query.limit(200)],
-    });
-    for (const a of accounts.rows as unknown as BankAccount[]) {
-      balances.set(a.$id, a.openingBalance ?? 0);
-    }
+    const accounts = await listBankAccounts(tenantId, currentUserId);
+    const visibleIds = new Set(accounts.map((a) => a.$id));
+    for (const a of accounts) balances.set(a.$id, a.openingBalance ?? 0);
 
+    const { tablesDB } = createAdminClient();
     const entries = await tablesDB.listRows({
       databaseId: DATABASE_ID,
       tableId: TABLES.financeEntries,
@@ -56,12 +63,11 @@ export async function getBankAccountBalances(
       ],
     });
     for (const e of entries.rows as unknown as FinanceEntry[]) {
-      if (!e.bankAccountId) continue;
+      if (!e.bankAccountId || !visibleIds.has(e.bankAccountId)) continue;
       const cur = balances.get(e.bankAccountId);
       if (cur === undefined) continue;
       if (e.type === "income") balances.set(e.bankAccountId, cur + e.amount);
       else if (e.type === "expense") balances.set(e.bankAccountId, cur - e.amount);
-      // debt/receivable don't affect cash balance
     }
   } catch {
     /* ignore */

src/lib/appwrite/credit-card-actions.ts

@@ -1,7 +1,7 @@
 "use server";
 
 import { revalidatePath } from "next/cache";
-import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
+import { AppwriteException, ID, Query } from "node-appwrite";
 import { z } from "zod";
 
 import { logAudit } from "./audit";
@@ -11,6 +11,7 @@ import {
   type CreditCard,
   type CreditCardStatement,
 } from "./schema";
+import { canAccessRow, scopedRowPermissions } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import { requireTenant } from "./tenant-guard";
 import type { CreditCardActionState } from "./credit-card-types";
@@ -30,15 +31,6 @@ function flattenErrors(err: z.ZodError): Record<string, string> {
   return out;
 }
 
-function teamRowPermissions(tenantId: string) {
-  return [
-    Permission.read(Role.team(tenantId)),
-    Permission.update(Role.team(tenantId)),
-    Permission.delete(Role.team(tenantId, "owner")),
-    Permission.delete(Role.team(tenantId, "admin")),
-  ];
-}
-
 function toIso(v: string): string {
   if (!v) return v;
   if (/^\d{4}-\d{2}-\d{2}$/.test(v)) return `${v}T00:00:00.000+00:00`;
@@ -58,6 +50,7 @@ function pickCardFields(formData: FormData) {
     interestRate: String(formData.get("interestRate") ?? "4.25"),
     bankAccountId: String(formData.get("bankAccountId") ?? ""),
     notes: String(formData.get("notes") ?? "").trim(),
+    scope: (formData.get("scope") as "company" | "personal" | null) ?? "company",
   };
 }
 
@@ -88,7 +81,7 @@ export async function createCreditCardAction(
         createdBy: ctx.user.id,
         ...parsed.data,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, parsed.data.scope),
     );
 
     await logAudit({
@@ -133,11 +126,17 @@ export async function updateCreditCardAction(
       TABLES.creditCards,
       id,
     )) as unknown as CreditCard;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
-    await tablesDB.updateRow(DATABASE_ID, TABLES.creditCards, id, parsed.data);
+    await tablesDB.updateRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      id,
+      parsed.data,
+      scopedRowPermissions(ctx.tenantId, existing.createdBy, parsed.data.scope),
+    );
 
     await logAudit({
       tenantId: ctx.tenantId,
@@ -175,7 +174,7 @@ export async function archiveCreditCardAction(
       TABLES.creditCards,
       id,
     )) as unknown as CreditCard;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
     const newArchivedState = !existing.archived;
@@ -219,7 +218,7 @@ export async function deleteCreditCardAction(
       TABLES.creditCards,
       id,
     )) as unknown as CreditCard;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
@@ -310,11 +309,13 @@ export async function createStatementAction(
       TABLES.creditCards,
       parsed.data.cardId,
     )) as unknown as CreditCard;
-    if (card.tenantId !== ctx.tenantId) {
+    if (card.tenantId !== ctx.tenantId || !canAccessRow(card, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
     const status = computeStatus(parsed.data.totalDebt, 0, parsed.data.dueDate);
+    // Statements inherit the card's scope.
+    const cardScope = card.scope ?? "company";
 
     const row = await tablesDB.createRow(
       DATABASE_ID,
@@ -333,7 +334,7 @@ export async function createStatementAction(
         status,
         notes: parsed.data.notes,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, cardScope),
     );
 
     await logAudit({
@@ -393,6 +394,10 @@ export async function payStatementAction(formData: FormData): Promise<CreditCard
       TABLES.creditCards,
       existing.cardId,
     )) as unknown as CreditCard;
+    if (!canAccessRow(card, ctx.user.id)) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+    const cardScope = card.scope ?? "company";
 
     const fe = await tablesDB.createRow(
       DATABASE_ID,
@@ -406,8 +411,9 @@ export async function payStatementAction(formData: FormData): Promise<CreditCard
         date: new Date().toISOString(),
         description: `${card.bankName} ${card.cardName} ${existing.period} ekstre ödemesi`,
         bankAccountId: card.bankAccountId,
+        scope: cardScope,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, cardScope),
     );
 
     const newPaid = (existing.paidAmount ?? 0) + payAmount;
@@ -459,6 +465,15 @@ export async function deleteStatementAction(
     if (existing.tenantId !== ctx.tenantId) {
       return { ok: false, error: "Erişim engellendi." };
     }
+    // Statement inherits its parent card's scope.
+    const parent = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      existing.cardId,
+    )) as unknown as CreditCard;
+    if (!canAccessRow(parent, ctx.user.id)) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
     if (existing.financeEntryId) {
       try {
         await tablesDB.deleteRow(

src/lib/appwrite/credit-card-queries.ts

@@ -2,6 +2,7 @@ import "server-only";
 
 import { Query } from "node-appwrite";
 
+import { canAccessRow } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import {
   DATABASE_ID,
@@ -10,7 +11,10 @@ import {
   type CreditCardStatement,
 } from "./schema";
 
-export async function listCreditCards(tenantId: string): Promise<CreditCard[]> {
+export async function listCreditCards(
+  tenantId: string,
+  currentUserId?: string,
+): Promise<CreditCard[]> {
   try {
     const { tablesDB } = createAdminClient();
     const result = await tablesDB.listRows({
@@ -22,18 +26,25 @@ export async function listCreditCards(tenantId: string): Promise<CreditCard[]> {
         Query.limit(200),
       ],
     });
-    return result.rows as unknown as CreditCard[];
+    const rows = result.rows as unknown as CreditCard[];
+    if (!currentUserId) return rows;
+    return rows.filter((r) => canAccessRow(r, currentUserId));
   } catch {
     return [];
   }
 }
 
+/**
+ * Lists statements whose parent card is visible to the user.
+ */
 export async function listStatements(
   tenantId: string,
+  currentUserId?: string,
 ): Promise<CreditCardStatement[]> {
   try {
     const { tablesDB } = createAdminClient();
-    const result = await tablesDB.listRows({
+    const [allStmt, allCards] = await Promise.all([
+      tablesDB.listRows({
         databaseId: DATABASE_ID,
         tableId: TABLES.creditCardStatements,
         queries: [
@@ -41,8 +52,22 @@ export async function listStatements(
           Query.orderDesc("statementDate"),
           Query.limit(500),
         ],
-    });
-    return result.rows as unknown as CreditCardStatement[];
+      }),
+      tablesDB.listRows({
+        databaseId: DATABASE_ID,
+        tableId: TABLES.creditCards,
+        queries: [Query.equal("tenantId", tenantId), Query.limit(200)],
+      }),
+    ]);
+    if (!currentUserId) return allStmt.rows as unknown as CreditCardStatement[];
+    const visibleCardIds = new Set(
+      (allCards.rows as unknown as CreditCard[])
+        .filter((c) => canAccessRow(c, currentUserId))
+        .map((c) => c.$id),
+    );
+    return (allStmt.rows as unknown as CreditCardStatement[]).filter((s) =>
+      visibleCardIds.has(s.cardId),
+    );
   } catch {
     return [];
   }

src/lib/appwrite/dashboard-queries.ts

@@ -97,7 +97,11 @@ export async function getDashboardData(
 
   const customerList = customers.rows as unknown as Customer[];
   const invoiceList = invoices.rows as unknown as Invoice[];
-  const entryList = financeEntries.rows as unknown as FinanceEntry[];
+  // Dashboard KPIs reflect company finances only — personal-scope rows belong
+  // to a single user and shouldn't influence team-level metrics.
+  const entryList = (financeEntries.rows as unknown as FinanceEntry[]).filter(
+    (e) => (e.scope ?? "company") === "company",
+  );
   const taskList = tasks.rows as unknown as Task[];
 
   const customerMap = new Map(customerList.map((c) => [c.$id, c.name]));

src/lib/appwrite/finance-actions.ts

@@ -1,11 +1,12 @@
 "use server";
 
 import { revalidatePath } from "next/cache";
-import { AppwriteException, ID, Permission, Role } from "node-appwrite";
+import { AppwriteException, ID } from "node-appwrite";
 import { z } from "zod";
 
 import { logAudit } from "./audit";
 import { DATABASE_ID, TABLES, type FinanceEntry } from "./schema";
+import { canAccessRow, scopedRowPermissions } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import { requireTenant } from "./tenant-guard";
 import type { FinanceActionState } from "./finance-types";
@@ -25,15 +26,6 @@ function flattenErrors(err: z.ZodError): Record<string, string> {
   return out;
 }
 
-function teamRowPermissions(tenantId: string) {
-  return [
-    Permission.read(Role.team(tenantId)),
-    Permission.update(Role.team(tenantId)),
-    Permission.delete(Role.team(tenantId, "owner")),
-    Permission.delete(Role.team(tenantId, "admin")),
-  ];
-}
-
 function pickFormFields(formData: FormData) {
   return {
     type: formData.get("type") as "income" | "expense" | "debt" | "receivable",
@@ -50,6 +42,7 @@ function pickFormFields(formData: FormData) {
       | "other"
       | null,
     bankAccountId: String(formData.get("bankAccountId") ?? ""),
+    scope: (formData.get("scope") as "company" | "personal" | null) ?? "company",
   };
 }
 
@@ -87,7 +80,7 @@ export async function createFinanceEntryAction(
         createdBy: ctx.user.id,
         ...data,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, parsed.data.scope),
     );
 
     await logAudit({
@@ -132,12 +125,18 @@ export async function updateFinanceEntryAction(
       TABLES.financeEntries,
       id,
     )) as unknown as FinanceEntry;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
     const data = { ...parsed.data, date: toIso(parsed.data.date) };
-    await tablesDB.updateRow(DATABASE_ID, TABLES.financeEntries, id, data);
+    await tablesDB.updateRow(
+      DATABASE_ID,
+      TABLES.financeEntries,
+      id,
+      data,
+      scopedRowPermissions(ctx.tenantId, existing.createdBy, parsed.data.scope),
+    );
 
     await logAudit({
       tenantId: ctx.tenantId,
@@ -175,7 +174,7 @@ export async function deleteFinanceEntryAction(
       TABLES.financeEntries,
       id,
     )) as unknown as FinanceEntry;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 

src/lib/appwrite/finance-queries.ts

@@ -2,10 +2,14 @@ import "server-only";
 
 import { Query } from "node-appwrite";
 
+import { canAccessRow } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import { DATABASE_ID, TABLES, type FinanceEntry } from "./schema";
 
-export async function listFinanceEntries(tenantId: string): Promise<FinanceEntry[]> {
+export async function listFinanceEntries(
+  tenantId: string,
+  currentUserId?: string,
+): Promise<FinanceEntry[]> {
   try {
     const { tablesDB } = createAdminClient();
     const result = await tablesDB.listRows({
@@ -17,7 +21,9 @@ export async function listFinanceEntries(tenantId: string): Promise<FinanceEntry
         Query.limit(1000),
       ],
     });
-    return result.rows as unknown as FinanceEntry[];
+    const rows = result.rows as unknown as FinanceEntry[];
+    if (!currentUserId) return rows;
+    return rows.filter((r) => canAccessRow(r, currentUserId));
   } catch {
     return [];
   }

src/lib/appwrite/finance-report-queries.ts

@@ -183,14 +183,25 @@ export async function getFinancialReport(
       .catch(() => ({ rows: [] as unknown[] })),
   ]);
 
+  // Reports reflect COMPANY finances only — personal-scope entities are
+  // private to their creator and must not flow into team-level metrics.
+  const isCompany = <T extends { scope?: "company" | "personal" }>(r: T) =>
+    (r.scope ?? "company") === "company";
+
   const customerList = customers.rows as unknown as Customer[];
   const invoiceList = invoices.rows as unknown as Invoice[];
-  const entryList = finance.rows as unknown as FinanceEntry[];
-  const bankList = bankAccounts.rows as unknown as BankAccount[];
-  const loanList = loans.rows as unknown as BankLoan[];
-  const installmentList = installments.rows as unknown as LoanInstallment[];
-  const cardList = cards.rows as unknown as CreditCard[];
-  const statementList = statements.rows as unknown as CreditCardStatement[];
+  const entryList = (finance.rows as unknown as FinanceEntry[]).filter(isCompany);
+  const bankList = (bankAccounts.rows as unknown as BankAccount[]).filter(isCompany);
+  const loanList = (loans.rows as unknown as BankLoan[]).filter(isCompany);
+  const cardList = (cards.rows as unknown as CreditCard[]).filter(isCompany);
+  const visibleLoanIds = new Set(loanList.map((l) => l.$id));
+  const visibleCardIds = new Set(cardList.map((c) => c.$id));
+  const installmentList = (installments.rows as unknown as LoanInstallment[]).filter(
+    (i) => visibleLoanIds.has(i.loanId),
+  );
+  const statementList = (statements.rows as unknown as CreditCardStatement[]).filter(
+    (s) => visibleCardIds.has(s.cardId),
+  );
 
   const customerMap = new Map(customerList.map((c) => [c.$id, c.name]));
   const cardMap = new Map(

src/lib/appwrite/invoice-actions.ts

@@ -111,6 +111,7 @@ async function syncPaymentEntry(
             description: `Fatura ${invoice.number} tahsilatı`,
             customerId: invoice.customerId,
             invoiceId: invoice.$id,
+            scope: "company",
           },
           [
             Permission.read(Role.team(tenantId)),

src/lib/appwrite/loan-actions.ts

@@ -1,7 +1,7 @@
 "use server";
 
 import { revalidatePath } from "next/cache";
-import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
+import { AppwriteException, ID, Query } from "node-appwrite";
 import { z } from "zod";
 
 import { logAudit } from "./audit";
@@ -11,6 +11,7 @@ import {
   type BankLoan,
   type LoanInstallment,
 } from "./schema";
+import { canAccessRow, scopedRowPermissions } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import { requireTenant } from "./tenant-guard";
 import type { LoanActionState } from "./loan-types";
@@ -30,15 +31,6 @@ function flattenErrors(err: z.ZodError): Record<string, string> {
   return out;
 }
 
-function teamRowPermissions(tenantId: string) {
-  return [
-    Permission.read(Role.team(tenantId)),
-    Permission.update(Role.team(tenantId)),
-    Permission.delete(Role.team(tenantId, "owner")),
-    Permission.delete(Role.team(tenantId, "admin")),
-  ];
-}
-
 function pickLoanFields(formData: FormData) {
   return {
     bankAccountId: String(formData.get("bankAccountId") ?? ""),
@@ -58,6 +50,7 @@ function pickLoanFields(formData: FormData) {
     startDate: String(formData.get("startDate") ?? ""),
     paymentDay: String(formData.get("paymentDay") ?? "1"),
     notes: String(formData.get("notes") ?? "").trim(),
+    scope: (formData.get("scope") as "company" | "personal" | null) ?? "company",
   };
 }
 
@@ -138,6 +131,9 @@ export async function createLoanAction(
 
   let loanId: string | null = null;
   const admin = createAdminClient();
+  // Installments inherit the loan's scope so personal-loan installments stay
+  // hidden from the rest of the team too.
+  const rowPerms = scopedRowPermissions(ctx.tenantId, ctx.user.id, parsed.data.scope);
   try {
     const loan = await admin.tablesDB.createRow(
       DATABASE_ID,
@@ -158,8 +154,9 @@ export async function createLoanAction(
         paymentDay: parsed.data.paymentDay,
         status: "active",
         notes: parsed.data.notes,
+        scope: parsed.data.scope,
       },
-      teamRowPermissions(ctx.tenantId),
+      rowPerms,
     );
     loanId = loan.$id;
 
@@ -181,7 +178,7 @@ export async function createLoanAction(
           interestPart: slice.interestPart,
           paid: false,
         },
-        teamRowPermissions(ctx.tenantId),
+        rowPerms,
       );
     }
 
@@ -239,7 +236,7 @@ export async function deleteLoanAction(formData: FormData): Promise<LoanActionSt
       TABLES.bankLoans,
       id,
     )) as unknown as BankLoan;
-    if (existing.tenantId !== ctx.tenantId) {
+    if (existing.tenantId !== ctx.tenantId || !canAccessRow(existing, ctx.user.id)) {
       return { ok: false, error: "Erişim engellendi." };
     }
 
@@ -305,8 +302,13 @@ export async function payInstallmentAction(formData: FormData): Promise<LoanActi
       TABLES.bankLoans,
       existing.loanId,
     )) as unknown as BankLoan;
+    if (!canAccessRow(loan, ctx.user.id)) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
 
-    // Create finance entry: expense, linked
+    const loanScope = loan.scope ?? "company";
+    // Create finance entry: expense, linked. Inherit loan's scope so personal
+    // installments don't leak into company finance.
     const fe = await tablesDB.createRow(
       DATABASE_ID,
       TABLES.financeEntries,
@@ -319,8 +321,9 @@ export async function payInstallmentAction(formData: FormData): Promise<LoanActi
         date: new Date().toISOString(),
         description: `${loan.bankName} — ${loan.loanName} #${existing.installmentNo} taksit ödemesi`,
         bankAccountId: loan.bankAccountId,
+        scope: loanScope,
       },
-      teamRowPermissions(ctx.tenantId),
+      scopedRowPermissions(ctx.tenantId, ctx.user.id, loanScope),
     );
 
     await tablesDB.updateRow(DATABASE_ID, TABLES.loanInstallments, id, {
@@ -388,6 +391,16 @@ export async function unpayInstallmentAction(
     }
     if (!existing.paid) return { ok: true };
 
+    // Verify the parent loan is also accessible (handles personal scope).
+    const parent = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.bankLoans,
+      existing.loanId,
+    )) as unknown as BankLoan;
+    if (!canAccessRow(parent, ctx.user.id)) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
     if (existing.financeEntryId) {
       try {
         await tablesDB.deleteRow(

src/lib/appwrite/loan-queries.ts

@@ -2,6 +2,7 @@ import "server-only";
 
 import { Query } from "node-appwrite";
 
+import { canAccessRow } from "./scope-permissions";
 import { createAdminClient } from "./server";
 import {
   DATABASE_ID,
@@ -10,7 +11,10 @@ import {
   type LoanInstallment,
 } from "./schema";
 
-export async function listLoans(tenantId: string): Promise<BankLoan[]> {
+export async function listLoans(
+  tenantId: string,
+  currentUserId?: string,
+): Promise<BankLoan[]> {
   try {
     const { tablesDB } = createAdminClient();
     const result = await tablesDB.listRows({
@@ -22,7 +26,9 @@ export async function listLoans(tenantId: string): Promise<BankLoan[]> {
         Query.limit(200),
       ],
     });
-    return result.rows as unknown as BankLoan[];
+    const rows = result.rows as unknown as BankLoan[];
+    if (!currentUserId) return rows;
+    return rows.filter((r) => canAccessRow(r, currentUserId));
   } catch {
     return [];
   }
@@ -50,15 +56,35 @@ export async function listInstallmentsForLoan(
   }
 }
 
-export async function listAllInstallments(tenantId: string): Promise<LoanInstallment[]> {
+/**
+ * Pulls all installments and filters to those whose parent loan is visible to the user.
+ */
+export async function listAllInstallments(
+  tenantId: string,
+  currentUserId?: string,
+): Promise<LoanInstallment[]> {
   try {
     const { tablesDB } = createAdminClient();
-    const result = await tablesDB.listRows({
+    const [allInst, allLoans] = await Promise.all([
+      tablesDB.listRows({
         databaseId: DATABASE_ID,
         tableId: TABLES.loanInstallments,
         queries: [Query.equal("tenantId", tenantId), Query.limit(2000)],
-    });
-    return result.rows as unknown as LoanInstallment[];
+      }),
+      tablesDB.listRows({
+        databaseId: DATABASE_ID,
+        tableId: TABLES.bankLoans,
+        queries: [Query.equal("tenantId", tenantId), Query.limit(500)],
+      }),
+    ]);
+    const visibleLoanIds = new Set(
+      (allLoans.rows as unknown as BankLoan[])
+        .filter((l) => !currentUserId || canAccessRow(l, currentUserId))
+        .map((l) => l.$id),
+    );
+    return (allInst.rows as unknown as LoanInstallment[]).filter((i) =>
+      visibleLoanIds.has(i.loanId),
+    );
   } catch {
     return [];
   }

src/lib/appwrite/schema.ts

@@ -139,6 +139,7 @@ export interface FinanceEntry extends Row {
   invoiceId?: string;
   paymentMethod?: PaymentMethod;
   bankAccountId?: string;
+  scope?: "company" | "personal";
 }
 
 export type InvoiceStatus = "draft" | "sent" | "paid" | "overdue" | "cancelled";
@@ -181,6 +182,8 @@ export interface AuditLog extends Row {
   userAgent?: string;
 }
 
+export type FinanceScope = "company" | "personal";
+
 export interface BankAccount extends Row {
   tenantId: string;
   createdBy: string;
@@ -190,6 +193,7 @@ export interface BankAccount extends Row {
   openingBalance?: number;
   notes?: string;
   archived?: boolean;
+  scope?: FinanceScope;
 }
 
 export type LoanType = "consumer" | "vehicle" | "housing" | "commercial" | "kmh" | "other";
@@ -210,6 +214,7 @@ export interface BankLoan extends Row {
   paymentDay?: number;
   status?: LoanStatus;
   notes?: string;
+  scope?: FinanceScope;
 }
 
 export interface LoanInstallment extends Row {
@@ -238,6 +243,7 @@ export interface CreditCard extends Row {
   bankAccountId?: string;
   archived?: boolean;
   notes?: string;
+  scope?: FinanceScope;
 }
 
 export type StatementStatus = "pending" | "partial" | "paid" | "overdue";

src/lib/appwrite/scope-permissions.ts

@@ -0,0 +1,53 @@
+import "server-only";
+
+import { Permission, Role } from "node-appwrite";
+
+import type { FinanceScope } from "./schema";
+
+/**
+ * Returns row-level permissions for finance-related entities.
+ *
+ * - `company`: visible to the whole tenant team. Owner/admin can delete.
+ * - `personal`: visible/editable/deletable only by the creator.
+ *
+ * The Appwrite "users" table-level perms still gate writes; these row-level
+ * perms gate reads and per-row mutations.
+ */
+export function scopedRowPermissions(
+  tenantId: string,
+  createdBy: string,
+  scope: FinanceScope,
+): string[] {
+  if (scope === "personal") {
+    return [
+      Permission.read(Role.user(createdBy)),
+      Permission.update(Role.user(createdBy)),
+      Permission.delete(Role.user(createdBy)),
+    ];
+  }
+  return [
+    Permission.read(Role.team(tenantId)),
+    Permission.update(Role.team(tenantId)),
+    Permission.delete(Role.team(tenantId, "owner")),
+    Permission.delete(Role.team(tenantId, "admin")),
+  ];
+}
+
+export function normalizeScope(v: unknown): FinanceScope {
+  return v === "personal" ? "personal" : "company";
+}
+
+/**
+ * Returns true if the current user is allowed to read the row.
+ * - company-scope: any team member
+ * - personal-scope: only the creator
+ */
+export function canAccessRow(
+  row: { scope?: FinanceScope; createdBy?: string },
+  currentUserId: string,
+): boolean {
+  if ((row.scope ?? "company") === "personal") {
+    return row.createdBy === currentUserId;
+  }
+  return true;
+}

src/lib/validation/bank-accounts.ts

@@ -23,6 +23,7 @@ export const bankAccountSchema = z.object({
     .max(500)
     .optional()
     .transform((v) => (v ? v : undefined)),
+  scope: z.enum(["company", "personal"]).optional().default("company"),
 });
 
 export type BankAccountInput = z.infer<typeof bankAccountSchema>;

src/lib/validation/bank-loans.ts

@@ -30,6 +30,7 @@ export const bankLoanSchema = z.object({
       return Number.isFinite(n) ? Math.min(28, Math.max(1, n)) : 1;
     }),
   notes: z.string().trim().max(1000).optional().transform((v) => (v ? v : undefined)),
+  scope: z.enum(["company", "personal"]).optional().default("company"),
 });
 
 export type BankLoanInput = z.infer<typeof bankLoanSchema>;

src/lib/validation/credit-cards.ts

@@ -43,6 +43,7 @@ export const creditCardSchema = z.object({
     }),
   bankAccountId: z.string().optional().transform((v) => (v ? v : undefined)),
   notes: z.string().trim().max(500).optional().transform((v) => (v ? v : undefined)),
+  scope: z.enum(["company", "personal"]).optional().default("company"),
 });
 
 export type CreditCardInput = z.infer<typeof creditCardSchema>;

src/lib/validation/finance.ts

@@ -15,6 +15,7 @@ export const financeEntrySchema = z.object({
     .optional()
     .transform((v) => v || undefined),
   bankAccountId: z.string().optional().transform((v) => (v ? v : undefined)),
+  scope: z.enum(["company", "personal"]).optional().default("company"),
 });
 
 export type FinanceEntryInput = z.infer<typeof financeEntrySchema>;