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<?php
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declare(strict_types=1);
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require __DIR__ . '/includes/auth.php';
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require __DIR__ . '/includes/engine.php';
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// The calculation breakdown is internal: it is only rendered for a logged-in admin.
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try {
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$admin = viewing_admin();
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} catch (Throwable $ex) {
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$admin = null;
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}
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send_security_headers($admin !== null); // admin view is never cached
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try {
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$params = load_params();
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$dbError = null;
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} catch (Throwable $ex) {
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$params = null;
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$dbError = $ex->getMessage();
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}
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$tenors = $params['tenors'] ?? [1, 3, 6, 12, 24];
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$cbTenors = $params['cashbackTenors'] ?? [];
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?>
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<!doctype html>
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<html lang="id">
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<head>
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<meta charset="utf-8">
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<meta name="viewport" content="width=device-width, initial-scale=1, viewport-fit=cover">
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<meta name="color-scheme" content="light dark">
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<meta name="theme-color" content="#0b2e66">
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<title>Kalkulator Cashback SERUBI · Bank Papua</title>
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<?= theme_boot_script() ?>
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<link rel="manifest" href="<?= e(base_url('manifest.webmanifest')) ?>">
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<link rel="icon" href="<?= e(asset('assets/favicon.svg')) ?>" type="image/svg+xml">
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<link rel="preload" href="<?= e(base_url('assets/fonts/archivo-var.woff2')) ?>" as="font" type="font/woff2" crossorigin>
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<link rel="stylesheet" href="<?= e(asset('assets/css/base.css')) ?>">
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<link rel="stylesheet" href="<?= e(asset('assets/css/app.css')) ?>">
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<meta name="app-version" content="<?= e(app_version()) ?>">
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</head>
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<body class="page-calc">
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<a class="skip-link" href="#hasil">Lewati ke hasil simulasi</a>
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<header class="topbar">
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<a class="brand" href="<?= e(base_url()) ?>" aria-label="Bank Papua SERUBI, beranda kalkulator">
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<?= bank_logo('auto') ?>
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<span class="brand-prog">SERUBI</span>
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</a>
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<div class="topbar-actions">
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<button type="button" class="icon-btn" data-theme-toggle aria-label="Ganti tema terang/gelap">
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<?= icon('moon', 'icon icon-moon') ?><?= icon('sun', 'icon icon-sun') ?>
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</button>
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<a class="text-btn" href="<?= e(base_url('admin/')) ?>"><?= icon('lock') ?><span>Admin</span></a>
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</div>
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</header>
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<?php if ($dbError): ?>
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<main class="desk desk-error">
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<div class="panel-error" role="alert">
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<?= icon('alert') ?>
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<div>
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<h1>Parameter tidak dapat dimuat</h1>
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<p>Kalkulator membutuhkan database MySQL. Pastikan MySQL berjalan di port yang diatur pada <code>config.php</code>, lalu muat ulang halaman.</p>
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</div>
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</div>
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</main>
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<?php else: ?>
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<main class="desk">
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<section class="machine" aria-labelledby="machine-title">
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<div class="machine-head">
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<h1 id="machine-title">Kalkulator Cashback</h1>
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<p>Tabungan/Giro + cashback dibandingkan deposito</p>
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</div>
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<div class="display" id="hasil" tabindex="-1">
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<div class="display-top">
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<span class="display-label">Cashback neto</span>
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<span class="display-flag" id="dFlag"></span>
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</div>
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<output class="display-value" id="dNet" for="nominal tenor-group cust-group" aria-live="polite">Rp0</output>
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<dl class="display-sub">
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<div><dt>Bruto</dt><dd id="dGross">Rp0</dd></div>
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<div><dt>Setara</dt><dd id="dEquiv">0,00% p.a.</dd></div>
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<div><dt>Per bulan</dt><dd id="dMonthly">Rp0</dd></div>
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</dl>
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<p class="display-note" id="dNote" hidden></p>
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</div>
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<form class="keys" id="calcForm" novalidate>
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<div class="field">
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<label for="nominal">Nominal penempatan</label>
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<div class="entry">
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<span class="entry-prefix" aria-hidden="true">Rp</span>
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<input id="nominal" name="nominal" type="text" inputmode="numeric" autocomplete="off" enterkeyhint="done"
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value="55.000.000" aria-describedby="nominalHelp nominalErr" spellcheck="false">
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</div>
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<p class="help" id="nominalHelp">Cashback berlaku mulai <span id="minNominal">Rp50.000.000</span></p>
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<p class="field-error" id="nominalErr" hidden></p>
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<div class="quick" role="group" aria-label="Pilih nominal cepat">
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<?php foreach ([50e6 => '50 jt', 100e6 => '100 jt', 250e6 => '250 jt', 500e6 => '500 jt', 1e9 => '1 M', 2e9 => '2 M'] as $v => $lbl): ?>
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<button type="button" class="chip" data-amount="<?= (int)$v ?>"><?= e($lbl) ?></button>
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<?php endforeach; ?>
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</div>
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</div>
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<fieldset class="field" id="tenor-group">
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<legend>Jangka waktu</legend>
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<div class="segmented seg-tenor">
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<?php foreach ($tenors as $t): $noCb = !in_array($t, $cbTenors, true); ?>
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<label class="seg">
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<input type="radio" name="tenor" value="<?= (int)$t ?>" <?= $t === 6 ? 'checked' : '' ?>>
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<span class="seg-face">
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<span class="seg-num"><?= (int)$t ?></span>
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<span class="seg-unit">bulan</span>
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<?php if ($noCb): ?><span class="seg-tag">tanpa cashback</span><?php endif; ?>
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</span>
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</label>
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<?php endforeach; ?>
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</div>
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</fieldset>
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<fieldset class="field" id="cust-group">
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<legend>Jenis nasabah</legend>
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<div class="segmented seg-cust">
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<label class="seg"><input type="radio" name="cust" value="perorangan" checked><span class="seg-face">Perorangan</span></label>
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<label class="seg"><input type="radio" name="cust" value="badan"><span class="seg-face">Badan usaha</span></label>
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</div>
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</fieldset>
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<div class="machine-actions">
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<button type="button" class="key key-plain" id="btnReset"><?= icon('reset') ?><span>Reset</span></button>
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<button type="button" class="key key-plain" id="btnCopy"><?= icon('copy') ?><span>Salin ringkasan</span></button>
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<button type="button" class="key key-gold" id="btnPrint"><?= icon('printer') ?><span>Cetak struk</span></button>
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</div>
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<p class="toast" id="toast" role="status" aria-live="polite"></p>
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<p class="model-note" id="modelNote" role="status" hidden></p>
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</form>
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</section>
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<section class="tape-wrap" aria-labelledby="tape-title">
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<div class="tape-slot" aria-hidden="true"></div>
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<article class="tape" id="tape">
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<header class="tape-head">
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<?= bank_logo('color', 'tape-logo') ?>
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<h2 id="tape-title">Simulasi Cashback SERUBI</h2>
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<p class="tape-meta"><time id="tDate"></time></p>
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<dl class="lines lines-input">
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<div><dt>Nominal</dt><dd id="tNominal"></dd></div>
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<div><dt>Jangka waktu</dt><dd id="tTenor"></dd></div>
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<div><dt>Jenis nasabah</dt><dd id="tCust"></dd></div>
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</dl>
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</header>
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<section class="tape-sec">
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<dl class="lines lines-total">
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<div><dt>Cashback bruto</dt><dd id="tGross"></dd></div>
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<div><dt>Pajak cashback <span id="tTaxRate"></span></dt><dd id="tTax"></dd></div>
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<div class="is-strong"><dt>Cashback neto</dt><dd id="tNet"></dd></div>
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<div><dt>Setara per tahun</dt><dd id="tEquiv"></dd></div>
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</dl>
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</section>
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<section class="tape-sec">
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<h3>Total diterima selama <span id="tTenor2"></span></h3>
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<ol class="cmp" id="cmp"></ol>
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<p class="tape-note">Total rate = rate produk + cashback neto disetahunkan.</p>
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</section>
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<?php if ($admin): ?>
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<details class="tape-sec tape-details" id="detailCalc">
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<summary><h3>Rincian perhitungan <span class="cmp-tag">Hanya admin</span></h3><?= icon('chevron', 'icon chev') ?></summary>
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<div id="calcLines"></div>
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</details>
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<?php endif; ?>
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<details class="tape-sec tape-details" id="detailPenalty">
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<summary><h3>Bila dicairkan sebelum jatuh tempo</h3><?= icon('chevron', 'icon chev') ?></summary>
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<dl class="lines" id="penaltyLines"></dl>
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<p class="tape-note">Nasabah mengembalikan cashback neto beserta pajaknya, ditambah pinalti dari cashback neto.</p>
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</details>
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<footer class="tape-foot">
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<p>Parameter berlaku per <span id="tParamDate"><?= e(fmt_datetime($params['updatedAt'])) ?></span>.</p>
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<p class="tape-verify" id="tVerify" hidden></p>
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<p>Hasil simulasi bersifat estimasi, bukan dokumen resmi atau penawaran yang mengikat, dan dapat berubah sesuai ketentuan Bank Papua.</p>
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</footer>
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</article>
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</section>
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</main>
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<div class="mini-display" id="miniDisplay" aria-hidden="true">
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<span class="mini-label">Cashback neto</span>
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<span class="mini-value" id="mNet">Rp0</span>
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<span class="mini-equiv" id="mEquiv"></span>
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</div>
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<?php
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// Visitors calculate in the browser (instant, also offline) from the folded
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// model: one margin per tenor instead of the bank's internal parameters.
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// Printing and copying fetch the official numbers from calc.php.
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// A logged-in admin also gets the full parameters for "Rincian perhitungan".
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$client = ['model' => engine_client_model($params), 'calcUrl' => base_url('calc.php'), 'swUrl' => base_url('sw.js')];
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if ($admin) {
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$client['full'] = $params;
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}
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?>
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<script nonce="<?= e(csp_nonce()) ?>">window.SERUBI_PUBLIC = <?= json_encode($client, JSON_HEX_TAG | JSON_HEX_AMP | JSON_UNESCAPED_UNICODE | JSON_PRESERVE_ZERO_FRACTION) ?>;</script>
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<script src="<?= e(asset('assets/js/engine-public.js')) ?>"></script>
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<?php if ($admin): ?><script src="<?= e(asset('assets/js/engine.js')) ?>"></script><?php endif; ?>
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<script src="<?= e(asset('assets/js/format.js')) ?>"></script>
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<script src="<?= e(asset('assets/js/app.js')) ?>"></script>
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<?php endif; ?>
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<script src="<?= e(asset('assets/js/theme.js')) ?>"></script>
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</body>
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</html>
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