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