asd

includes/params.php

@@ -0,0 +1,113 @@
+<?php
+declare(strict_types=1);
+
+require_once __DIR__ . '/db.php';
+
+const SERUBI_PRODUCTS = ['giro' => 'Giro Umum', 'simanja' => 'Tabungan SIMANJA', 'simpeda' => 'Tabungan SIMPEDA'];
+
+const SERUBI_GROUPS = [
+    'dana'     => ['Struktur dana', 'Bagaimana dana nasabah dibagi sebelum menghasilkan pendapatan.'],
+    'bunga'    => ['Suku bunga pendapatan', 'Rate yang menghasilkan pendapatan bank dari dana kelolaan.'],
+    'biaya'    => ['Biaya', 'Biaya yang mengurangi spread sebelum dibagi ke nasabah.'],
+    'pajak'    => ['Pajak', 'Tarif pajak atas bunga dan cashback.'],
+    'konvensi' => ['Konvensi perhitungan', 'Hari bunga, pinalti, dan batas minimal.'],
+];
+
+/** Raw settings rows keyed by skey. */
+function settings_rows(): array
+{
+    $rows = db()->query('SELECT * FROM settings ORDER BY sort')->fetchAll();
+    return array_column($rows, null, 'skey');
+}
+
+function to_num($v): ?float
+{
+    return $v === null ? null : (float)$v;
+}
+
+const PARAMS_CACHE_TTL = 300;   // seconds; the cache is also cleared whenever an admin saves
+
+function params_cache_file(): string
+{
+    $dir = (string)(app_config()['app']['cache_dir'] ?? '');
+    if ($dir === '') {
+        $dir = sys_get_temp_dir() . '/serubi-' . substr(md5(__DIR__), 0, 12);
+    }
+    return rtrim($dir, '/\\') . '/params.json';
+}
+
+/** Parameters in the shape assets/js/engine.js expects (cached to spare the database). */
+function load_params(): array
+{
+    $file = params_cache_file();
+    if (is_file($file) && time() - (int)@filemtime($file) < PARAMS_CACHE_TTL) {
+        $cached = json_decode((string)@file_get_contents($file), true);
+        if (is_array($cached) && isset($cached['settings'])) {
+            return $cached;
+        }
+    }
+    $params = load_params_db();
+    $dir = dirname($file);
+    if (is_dir($dir) || @mkdir($dir, 0700, true)) {
+        $tmp = $file . '.' . bin2hex(random_bytes(4));
+        if (@file_put_contents($tmp, json_encode($params, JSON_PRESERVE_ZERO_FRACTION)) !== false) {
+            @rename($tmp, $file);
+        }
+        @unlink($tmp);
+    }
+    return $params;
+}
+
+function params_cache_clear(): void
+{
+    @unlink(params_cache_file());
+}
+
+function load_params_db(): array
+{
+    $pdo = db();
+    $settings = [];
+    $updated = null;
+    foreach (settings_rows() as $key => $row) {
+        $settings[$key] = (float)$row['value'];
+        $updated = max($updated ?? '', $row['updated_at']);
+    }
+
+    $tenors = $pdo->query('SELECT months, cashback FROM tenors ORDER BY months')->fetchAll();
+
+    $productRates = array_fill_keys(array_keys(SERUBI_PRODUCTS), []);
+    foreach ($pdo->query('SELECT product, max_nominal, rate FROM product_rates ORDER BY product, sort, id') as $r) {
+        $productRates[$r['product']][] = ['max' => to_num($r['max_nominal']), 'rate' => (float)$r['rate']];
+    }
+
+    $bands = $pdo->query('SELECT id, max_nominal FROM deposito_bands ORDER BY sort, id')->fetchAll();
+    $rates = [];
+    foreach ($pdo->query('SELECT band_id, tenor, rate FROM deposito_rates') as $r) {
+        $rates[$r['band_id']][$r['tenor']] = (float)$r['rate'];
+    }
+    $depositoRates = [];
+    foreach ($tenors as $t) {
+        $m = (int)$t['months'];
+        $depositoRates[$m] = array_map(fn($b) => [
+            'max' => to_num($b['max_nominal']),
+            'rate' => $rates[$b['id']][$m] ?? 0.0,
+        ], $bands);
+    }
+
+    $tiers = array_map(fn($r) => ['min' => (float)$r['min_nominal'], 'nasabah' => (float)$r['share_nasabah']],
+        $pdo->query('SELECT min_nominal, share_nasabah FROM cashback_tiers ORDER BY min_nominal')->fetchAll());
+
+    $last = $pdo->query("SELECT username, created_at FROM audit_log WHERE action LIKE 'param%' ORDER BY id DESC LIMIT 1")->fetch();
+
+    return [
+        'settings'       => $settings,
+        'tenors'         => array_map(fn($t) => (int)$t['months'], $tenors),
+        'cashbackTenors' => array_values(array_map(fn($t) => (int)$t['months'], array_filter($tenors, fn($t) => (int)$t['cashback'] === 1))),
+        'productRates'   => $productRates,
+        'depositoBands'  => array_map(fn($b) => to_num($b['max_nominal']), $bands),
+        'depositoRates'  => $depositoRates,
+        'cashbackTiers'  => $tiers,
+        'updatedAt'      => $last['created_at'] ?? $updated,
+        'updatedBy'      => $last['username'] ?? null,
+    ];
+}