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assets/js/engine-public.js

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+/*
+ * SERUBI public engine: the customer-facing result, calculated in the browser
+ * from the folded model of engine_client_model() (includes/engine.php). The
+ * page never receives the bank's internal parameters, only one margin per
+ * tenor. Same numbers as assets/js/engine.js and includes/engine.php, checked
+ * against the reference workbook by tests/validate_public.js.
+ * Works in the browser (window.SerubiPublicEngine) and in Node (module.exports).
+ */
+(function (root, factory) {
+  if (typeof module === 'object' && module.exports) module.exports = factory();
+  else root.SerubiPublicEngine = factory();
+})(typeof self !== 'undefined' ? self : this, function () {
+  'use strict';
+
+  var PRODUCTS = [
+    { key: 'giro', name: 'Giro Umum' },
+    { key: 'simanja', name: 'Tabungan SIMANJA' },
+    { key: 'simpeda', name: 'Tabungan SIMPEDA' }
+  ];
+
+  // Excel ROUNDDOWN(x, 0) on 15 significant digits (see engine.js).
+  function rounddown(x) {
+    var v = Number(x.toPrecision(15));
+    return v < 0 ? Math.ceil(v) : Math.floor(v);
+  }
+
+  function tierRate(tiers, n) {
+    if (!tiers || !tiers.length) return 0;
+    for (var i = 0; i < tiers.length; i++) {
+      var t = tiers[i];
+      if (t.max === null || t.max === undefined || n <= t.max) return Number(t.rate) || 0;
+    }
+    return 0;
+  }
+
+  function shareFor(m, n, tenor) {
+    if ((m.cashbackTenors || []).indexOf(tenor) === -1) return { share: null, reason: 'tenor' };
+    var tiers = (m.cashbackTiers || []).slice().sort(function (a, b) { return b.min - a.min; });
+    for (var i = 0; i < tiers.length; i++) {
+      if (n >= tiers[i].min) return { share: Number(tiers[i].nasabah), reason: null };
+    }
+    return { share: null, reason: 'nominal' };
+  }
+
+  function calculate(m, input) {
+    var n = Math.max(0, Number(input.nominal) || 0);
+    var t = Number(input.tenor) || 0;
+    var customerType = input.customerType === 'badan' ? 'badan' : 'perorangan';
+    var year = m.days.year, month = m.days.month;
+
+    var sh = shareFor(m, n, t);
+    var eligible = sh.share !== null;
+    var share = eligible ? sh.share : 0;
+
+    // Bunga per produk (COB!J24/N24/R24), identical to the full engine
+    var bunga = {}, bungaSum = 0;
+    PRODUCTS.forEach(function (prod) {
+      var rate = tierRate((m.productRates || {})[prod.key], n);
+      var b = rounddown(((n * rate * month) / year) * t);
+      bunga[prod.key] = { rate: rate, gross: b };
+      bungaSum += b;
+    });
+
+    // Rata-rata spread 3 produk = margin × nominal − rata-rata bunga − biaya program/3 − premi LPS
+    var lps = Math.min(n, m.lps.cap) * m.lps.rate;
+    var avgSpread = n * (m.margin[t] || 0) - bungaSum / 3 - m.programAvg - lps;
+    var gross = eligible ? avgSpread * share : 0;
+    var negative = gross < 0;
+    if (negative) gross = 0;
+    var taxRate = m.tax[customerType];
+    var tax = gross * taxRate;
+    var net = gross - tax;
+    var equiv = n > 0 && t > 0 ? (net / n) * (year / (month * t)) : 0;
+
+    var comparison = PRODUCTS.map(function (prod) {
+      var b = bunga[prod.key];
+      var bungaNet = b.gross - b.gross * m.tax.bunga;
+      var total = bungaNet + net;
+      return { key: prod.key, name: prod.name, rate: b.rate, bungaNet: bungaNet, cashbackNet: net, total: total, totalRate: b.rate + equiv };
+    });
+
+    var penalty = { refund: net, tax: gross * taxRate, fee: net * m.pinalti, rate: m.pinalti };
+    penalty.total = penalty.refund + penalty.tax + penalty.fee;
+
+    var mins = (m.cashbackTiers || []).map(function (x) { return x.min; });
+    return {
+      input: { nominal: n, tenor: t, customerType: customerType },
+      eligible: eligible && !negative,
+      reason: negative ? 'spread' : sh.reason,
+      minNominal: mins.length ? Math.min.apply(null, mins) : 0,
+      share: share,
+      cashback: { gross: gross, taxRate: taxRate, tax: tax, net: net, monthly: t ? net / t : 0, equiv: equiv },
+      comparison: comparison,
+      penalty: penalty
+    };
+  }
+
+  return { calculate: calculate, PRODUCTS: PRODUCTS };
+});