431 lines
21 KiB
JavaScript
431 lines
21 KiB
JavaScript
/*
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* Calculator page controller. Results are calculated in the browser (instant,
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* also offline) from the folded public model; printing and copying fetch the
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* official numbers from calc.php first. A logged-in admin calculates with the
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* full parameters to see "Rincian perhitungan".
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*/
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(function () {
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'use strict';
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var meta = window.SERUBI_PUBLIC;
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var F = window.SerubiFormat;
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var PE = window.SerubiPublicEngine;
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if (!meta || !meta.model || !F || !PE) return;
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var model = meta.model;
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var full = meta.full && window.SerubiEngine ? meta.full : null; // admin only
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var PRODUCT_KEYS = ['giro', 'simanja', 'simpeda'];
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var STALE_HOURS = 24; // older than this: the page came from the offline copy
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var MAX_MODEL_AGE_DAYS = 30; // older than this: refuse to calculate with it
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var VERIFY_TIMEOUT_MS = 4000;
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var $ = function (id) { return document.getElementById(id); };
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var form = $('calcForm');
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var nominalEl = $('nominal');
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var display = $('hasil');
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var tape = $('tape');
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var MAX_NOMINAL = 1e15;
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var DEFAULTS = { nominal: 55000000, tenor: 6, cust: 'perorangan' };
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var SHOW_DEPOSITO = false; // perbandingan deposito disembunyikan dari hasil simulasi
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var CUST_LABEL = { perorangan: 'Perorangan', badan: 'Badan usaha' };
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var lastResult = null;
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var feedTimer = null;
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var verifiedKey = null; // inputs whose numbers were confirmed by the server
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var blocked = false;
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function esc(s) {
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return String(s).replace(/[&<>"']/g, function (c) { return { '&': '&', '<': '<', '>': '>', '"': '"', "'": ''' }[c]; });
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}
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// Shrinks an element's font (down to minPx) until its single line fits its box,
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// so very large amounts never wrap mid-number or overflow.
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function fitText(el, minPx) {
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if (!el) return;
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el.style.fontSize = '';
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var size = parseFloat(window.getComputedStyle(el).fontSize);
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for (var i = 0; i < 40 && el.scrollWidth > el.clientWidth + 1 && size > minPx; i++) {
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size = Math.max(minPx, size * 0.94);
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el.style.fontSize = size + 'px';
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}
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}
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function fitAll() { fitText($('dNet'), 18); fitText(nominalEl, 15); }
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function radio(name) { var el = form.querySelector('input[name="' + name + '"]:checked'); return el ? el.value : null; }
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function setRadio(name, value) {
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var el = form.querySelector('input[name="' + name + '"][value="' + value + '"]');
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if (el) el.checked = true;
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}
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function line(label, value, cls) {
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return '<div' + (cls ? ' class="' + cls + '"' : '') + '><dt>' + label + '</dt><dd>' + value + '</dd></div>';
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}
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function tenorText(t) { return t + ' bulan'; }
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function readState() {
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return { nominal: F.parseIdr(nominalEl.value), tenor: Number(radio('tenor')), cust: radio('cust') || 'perorangan' };
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}
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function validate(state) {
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var err = $('nominalErr');
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var msg = '';
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if (state.nominal === null || state.nominal <= 0) msg = 'Masukkan nominal penempatan dana.';
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else if (state.nominal > MAX_NOMINAL) msg = 'Nominal terlalu besar. Maksimal Rp1.000 triliun.';
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err.textContent = msg;
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err.hidden = !msg;
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nominalEl.setAttribute('aria-invalid', msg ? 'true' : 'false');
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nominalEl.parentNode.classList.toggle('is-invalid', !!msg);
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return !msg;
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}
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function note(text) {
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var el = $('dNote');
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if (!text) { el.hidden = true; el.innerHTML = ''; return; }
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el.innerHTML = '<svg class="icon" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true"><circle cx="12" cy="12" r="10"/><path d="M12 16v-4"/><path d="M12 8h.01"/></svg><span>' + text + '</span>';
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el.hidden = false;
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}
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function ineligibleText(r) {
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if (r.reason === 'tenor') {
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return 'Jangka waktu ' + r.input.tenor + ' bulan tidak termasuk program cashback. Pilih ' +
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model.cashbackTenors.join(', ').replace(/, (\d+)$/, ', atau $1') + ' bulan.';
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}
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if (r.reason === 'nominal') {
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return 'Cashback berlaku mulai ' + F.rp(r.minNominal) + '. Kurang ' + F.rp(r.minNominal - r.input.nominal) + ' lagi.';
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}
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if (r.reason === 'spread') return 'Spread negatif dengan parameter saat ini, sehingga tidak ada cashback.';
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return '';
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}
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function renderEmpty() {
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display.classList.add('is-off');
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$('dNet').textContent = 'Rp0';
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['dGross', 'dMonthly'].forEach(function (id) { $(id).textContent = '—'; });
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$('dEquiv').textContent = '—';
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$('dFlag').textContent = '';
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note('');
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}
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function render(r) {
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var ok = r.eligible;
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var t = r.input.tenor;
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display.classList.toggle('is-off', !ok);
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// display
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$('dNet').textContent = F.rp(r.cashback.net);
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fitText($('dNet'), 18);
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$('dGross').textContent = F.rp(r.cashback.gross);
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$('dEquiv').textContent = F.pct(r.cashback.equiv) + ' p.a.';
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$('dMonthly').textContent = F.rp(r.cashback.monthly);
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$('dFlag').textContent = !ok ? 'Tanpa cashback' : (typeof r.share === 'number' ? 'Porsi nasabah ' + F.pct(r.share).replace(',00', '') : 'Mendapat cashback');
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note(ok ? '' : ineligibleText(r));
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$('mNet').textContent = F.rp(r.cashback.net);
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$('mEquiv').textContent = ok ? F.pct(r.cashback.equiv) + ' p.a.' : 'tanpa cashback';
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// tape: head + totals
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$('tDate').textContent = new Intl.DateTimeFormat('id-ID', { dateStyle: 'medium', timeStyle: 'short' }).format(new Date());
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$('tNominal').textContent = F.rp(r.input.nominal);
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$('tTenor').textContent = tenorText(t);
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$('tTenor2').textContent = tenorText(t);
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$('tCust').textContent = CUST_LABEL[r.input.customerType];
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$('tGross').textContent = F.rp(r.cashback.gross);
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$('tTaxRate').textContent = F.pct(r.cashback.taxRate).replace(',00', '');
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$('tTax').textContent = '−' + F.rp(r.cashback.tax);
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$('tNet').textContent = F.rp(r.cashback.net);
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$('tEquiv').textContent = F.pct(r.cashback.equiv);
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renderComparison(r);
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if ($('calcLines')) renderCalcLines(r); // only present for a logged-in admin
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renderPenalty(r);
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}
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function renderComparison(r) {
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var rows = r.comparison.map(function (c) { return { c: c, dep: false }; });
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if (SHOW_DEPOSITO) rows.push({ dep: true, c: { key: 'deposito', name: 'Deposito', rate: r.deposito.rate, bungaNet: r.deposito.net, cashbackNet: 0, total: r.deposito.net, totalRate: r.deposito.rate } });
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var max = Math.max.apply(null, rows.map(function (x) { return x.c.total; })) || 1;
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var bestKey = rows.reduce(function (a, b) { return b.c.total > a.c.total ? b : a; }).c.key;
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var html = rows.map(function (x) {
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var c = x.c;
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var best = c.key === bestKey && c.total > 0;
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var cls = 'cmp-row' + (x.dep ? ' is-dep' : '') + (best ? ' is-best' : '');
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var tag = x.dep ? '<span class="cmp-tag">Pembanding</span>' : (best ? '<span class="cmp-tag">Tertinggi</span>' : '');
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var wBunga = Math.max(0, c.bungaNet) / max * 100;
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var wCb = Math.max(0, c.cashbackNet) / max * 100;
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var diff = '';
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if (SHOW_DEPOSITO && !x.dep) {
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var d = c.total - r.deposito.net;
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diff = '<p class="cmp-diff ' + (d >= 0 ? 'up' : 'down') + '">' + (d >= 0 ? '+' : '−') + F.rp(Math.abs(d)).replace('−', '') +
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(d >= 0 ? ' lebih besar' : ' lebih kecil') + ' dari deposito</p>';
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}
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return '<li class="' + cls + '">' +
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'<div class="cmp-top"><span class="cmp-name">' + esc(c.name) + tag + '</span><span class="cmp-total">' + F.rp(c.total) + '</span></div>' +
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'<div class="cmp-bar" role="img" aria-label="Bunga neto ' + F.rp(c.bungaNet) + (x.dep ? '' : ', cashback neto ' + F.rp(c.cashbackNet)) + '">' +
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'<i data-w="' + wBunga.toFixed(2) + '"></i>' + (x.dep ? '' : '<i data-w="' + wCb.toFixed(2) + '"></i>') + '</div>' +
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'<dl class="cmp-meta">' +
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'<div><dt>Rate</dt><dd>' + F.pct(c.rate) + '</dd></div>' +
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'<div><dt>Bunga neto</dt><dd>' + F.rp(c.bungaNet) + '</dd></div>' +
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(x.dep ? '<div><dt>Cashback</dt><dd>—</dd></div>' : '<div><dt>Cashback</dt><dd>' + F.rp(c.cashbackNet) + '</dd></div>') +
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'<div><dt>Total rate</dt><dd>' + F.pct(c.totalRate) + '</dd></div>' +
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'</dl>' + diff + '</li>';
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}).join('');
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$('cmp').innerHTML = html;
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// widths set through the CSSOM: allowed by the Content-Security-Policy (inline style attributes are not)
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$('cmp').querySelectorAll('.cmp-bar i[data-w]').forEach(function (i) { i.style.width = i.getAttribute('data-w') + '%'; });
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if (!document.getElementById('cmpLegend')) {
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$('cmp').insertAdjacentHTML('beforebegin', '<p class="legend" id="cmpLegend"><span><i></i>Bunga neto</span><span><i class="cb"></i>Cashback neto</span></p>');
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}
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}
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function renderCalcLines(r) {
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var s = full.settings, f = r.fund, t = r.input.tenor;
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var html = '<div class="calc-block"><h4>Dana kelolaan</h4><dl class="lines">' +
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line('Nominal penempatan', F.rp(r.input.nominal)) +
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line('GWM ' + F.pct(s.gwm), '−' + F.rp(f.gwm), 'is-neg') +
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line('Kas ' + F.pct(s.kas), '−' + F.rp(f.kas), 'is-neg') +
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line('Dana kelolaan', F.rp(f.managed), 'is-strong') + '</dl></div>';
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html += '<div class="calc-block"><h4>Pendapatan bank selama ' + t + ' bulan</h4><dl class="lines">' +
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line('PUAB<span class="formula">' + F.pct(s.porsi_puab).replace(',00', '') + ' dana × ' + F.pct(s.puab) + ' × ' + s.hari_sebulan + '/' + s.hari_setahun + ' × ' + t + '</span>', F.rp(f.puabIncome)) +
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line('Kredit<span class="formula">' + F.pct(s.porsi_kredit).replace(',00', '') + ' dana × ' + F.pct(s.kredit) + ' × ' + t + '/12</span>', F.rp(f.creditIncome)) +
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line('Total pendapatan', F.rp(f.income), 'is-strong') + '</dl></div>';
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PRODUCT_KEYS.forEach(function (key) {
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var pr = r.products[key];
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html += '<div class="calc-block"><h4>Spread ' + esc(pr.name) + ' (' + F.pct(pr.rate) + ')</h4><dl class="lines">' +
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line('Bunga kotor produk', '−' + F.rp(pr.bungaGross), 'is-neg') +
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(pr.program ? line('Biaya program', '−' + F.rp(pr.program), 'is-neg') : '') +
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line('Overhead cost ' + F.pct(s.ohc) + ' × PUAB', '−' + F.rp(pr.ohc), 'is-neg') +
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line('Premi LPS ' + F.pct(s.premi_lps), '−' + F.rp(pr.lps), 'is-neg') +
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line('Spread', F.rp(pr.spread), 'is-strong') +
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line('Porsi nasabah ' + F.pct(r.share).replace(',00', ''), F.rp(pr.cashbackGross)) + '</dl></div>';
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});
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html += '<div class="calc-block"><h4>Cashback</h4><dl class="lines">' +
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line('Rata-rata porsi nasabah 3 produk', F.rp(r.cashback.gross)) +
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line('Pajak cashback ' + F.pct(r.cashback.taxRate), '−' + F.rp(r.cashback.tax), 'is-neg') +
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line('Cashback neto', F.rp(r.cashback.net), 'is-strong') +
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line('Cashback per bulan', F.rp(r.cashback.monthly)) +
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line('Porsi bank', F.pct(r.shareBank).replace(',00', '')) + '</dl></div>';
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html += '<div class="calc-block"><h4>Deposito pembanding</h4><dl class="lines">' +
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line('Rate deposito ' + t + ' bulan', F.pct(r.deposito.rate)) +
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line('Bunga kotor', F.rp(r.deposito.gross)) +
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line('Pajak ' + F.pct(s.pajak_deposito), '−' + F.rp(r.deposito.tax), 'is-neg') +
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line('Bunga neto', F.rp(r.deposito.net), 'is-strong') +
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line('Bunga neto per bulan', F.rp(r.deposito.monthly)) + '</dl></div>';
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$('calcLines').innerHTML = html;
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}
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function renderPenalty(r) {
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var p = r.penalty;
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var pinalti = typeof p.rate === 'number' ? p.rate : model.pinalti;
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$('penaltyLines').innerHTML = r.eligible ?
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line('Pengembalian cashback neto', F.rp(p.refund)) +
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line('Pajak cashback', F.rp(p.tax)) +
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line('Pinalti ' + F.pct(pinalti).replace(',00', '') + ' dari cashback neto', F.rp(p.fee)) +
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line('Total kewajiban nasabah', F.rp(p.total), 'is-strong') :
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line('Tidak ada cashback, tidak ada pinalti', 'Rp0');
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}
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function feed() {
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clearTimeout(feedTimer);
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feedTimer = setTimeout(function () {
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tape.classList.remove('is-feeding');
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void tape.offsetWidth; // restart animation
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tape.classList.add('is-feeding');
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}, 220);
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}
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function syncUrl(state) {
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try {
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var u = new URL(location.href);
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u.searchParams.set('n', state.nominal || '');
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u.searchParams.set('t', state.tenor);
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u.searchParams.set('c', state.cust);
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history.replaceState(null, '', u);
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} catch (e) { /* ignore */ }
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}
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function syncChips(n) {
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form.querySelectorAll('.chip').forEach(function (b) { b.setAttribute('aria-pressed', String(Number(b.dataset.amount) === n)); });
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}
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function stateKey(st) { return st.nominal + '|' + st.tenor + '|' + st.cust; }
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function localResult(st) {
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var input = { nominal: st.nominal, tenor: st.tenor, customerType: st.cust };
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return full ? window.SerubiEngine.calculate(full, input) : PE.calculate(model, input);
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}
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function setVerify(ok, when) {
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var el = $('tVerify');
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if (ok === null) { el.hidden = true; el.textContent = ''; return; }
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el.hidden = false;
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el.textContent = ok
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? 'Angka terverifikasi server Bank Papua, ' + new Intl.DateTimeFormat('id-ID', { dateStyle: 'medium', timeStyle: 'short' }).format(when) + '.'
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: 'Simulasi lokal (tanpa koneksi): angka belum terverifikasi server.';
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}
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function update(animate) {
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var state = readState();
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fitText(nominalEl, 15);
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syncChips(state.nominal);
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if (blocked || !validate(state)) { lastResult = null; renderEmpty(); return; }
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lastResult = localResult(state);
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verifiedKey = null;
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setVerify(null);
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render(lastResult);
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syncUrl(state);
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if (animate) feed();
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}
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/*
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* Official numbers for printing/copying: asks calc.php (server engine, live
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* parameters). Without a connection the local simulation is used and marked
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* as not verified. Calls done(verified) in both cases.
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*/
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function verifyThen(done) {
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var state = readState();
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if (blocked || !lastResult || !validate(state)) { toast('Isi nominal terlebih dahulu.'); return; }
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if (verifiedKey === stateKey(state)) { done(true); return; }
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var url = meta.calcUrl + '?n=' + encodeURIComponent(state.nominal) + '&t=' + encodeURIComponent(state.tenor) + '&c=' + encodeURIComponent(state.cust);
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var timer;
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var timeout = new Promise(function (_, reject) { timer = setTimeout(function () { reject(new Error('timeout')); }, VERIFY_TIMEOUT_MS); });
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toast('Memverifikasi ke server…');
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Promise.race([
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fetch(url, { credentials: 'same-origin', cache: 'no-store', headers: { Accept: 'application/json' } }).then(function (res) {
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return res.json().then(function (body) { if (!res.ok) throw new Error(body.error || 'HTTP ' + res.status); return body; });
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}),
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timeout
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]).then(function (r) {
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clearTimeout(timer);
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if (stateKey(readState()) !== stateKey(state)) return; // inputs changed meanwhile
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lastResult = r;
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verifiedKey = stateKey(state);
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render(r);
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setVerify(true, new Date());
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toast('');
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done(true);
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}, function () {
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clearTimeout(timer);
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setVerify(false);
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toast('');
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done(false);
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});
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}
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// Age of the model: an old one means this page came from the offline copy.
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function checkModelAge() {
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var made = Date.parse(model.generatedAt);
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if (isNaN(made)) return;
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var hours = (Date.now() - made) / 3600000;
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var note = $('modelNote');
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var at = Date.parse(String(model.paramsAt || '').replace(' ', 'T'));
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var per = isNaN(at) ? '' : new Intl.DateTimeFormat('id-ID', { dateStyle: 'medium', timeStyle: 'short' }).format(at);
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if (hours > MAX_MODEL_AGE_DAYS * 24) {
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blocked = true;
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note.textContent = 'Parameter tersimpan di perangkat ini sudah lebih dari ' + MAX_MODEL_AGE_DAYS + ' hari. Sambungkan ke internet lalu muat ulang halaman.';
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note.hidden = false;
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} else if (hours > STALE_HOURS || navigator.onLine === false) {
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note.textContent = 'Mode offline: memakai parameter yang tersimpan di perangkat' + (per ? ' (berlaku per ' + per + ')' : '') + '. Cetak struk dan salin ringkasan akan diverifikasi ke server saat online.';
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note.hidden = false;
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}
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}
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function setState(s) {
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nominalEl.value = F.num(s.nominal);
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setRadio('tenor', s.tenor);
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setRadio('cust', s.cust);
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}
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function summaryText(r, verified) {
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var lines = [
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'Simulasi Cashback SERUBI – Bank Papua',
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'Nominal ' + F.rp(r.input.nominal) + ' · ' + tenorText(r.input.tenor) + ' · ' + CUST_LABEL[r.input.customerType],
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r.eligible ? 'Cashback neto: ' + F.rp(r.cashback.net) + ' (setara ' + F.pct(r.cashback.equiv) + ' per tahun)' : 'Tanpa cashback: ' + ineligibleText(r),
|
||
'',
|
||
'Total diterima selama ' + tenorText(r.input.tenor) + ':'
|
||
];
|
||
r.comparison.forEach(function (c) { lines.push('• ' + c.name + ': ' + F.rp(c.total) + ' (' + F.pct(c.totalRate) + ' p.a.)'); });
|
||
if (SHOW_DEPOSITO) lines.push('• Deposito: ' + F.rp(r.deposito.net) + ' (' + F.pct(r.deposito.rate) + ' p.a.)');
|
||
if (!verified) lines.push('', '(Simulasi lokal tanpa koneksi, belum terverifikasi server.)');
|
||
lines.push('', '*Hasil simulasi (estimasi), bukan dokumen resmi atau penawaran yang mengikat; dapat berubah sesuai ketentuan Bank Papua.');
|
||
return lines.join('\n');
|
||
}
|
||
|
||
function toast(msg) {
|
||
var el = $('toast');
|
||
el.textContent = msg;
|
||
clearTimeout(toast.t);
|
||
toast.t = setTimeout(function () { el.textContent = ''; }, 2600);
|
||
}
|
||
|
||
// ---- events ----
|
||
nominalEl.addEventListener('input', function () { F.liveFormatIdr(nominalEl); update(true); });
|
||
var resizeTimer = null;
|
||
window.addEventListener('resize', function () { clearTimeout(resizeTimer); resizeTimer = setTimeout(fitAll, 120); });
|
||
if (document.fonts && document.fonts.ready) document.fonts.ready.then(fitAll);
|
||
nominalEl.addEventListener('keydown', function (ev) { if (ev.key === 'Enter') { ev.preventDefault(); nominalEl.blur(); display.focus({ preventScroll: true }); } });
|
||
form.addEventListener('change', function (ev) { if (ev.target.name === 'tenor' || ev.target.name === 'cust') update(true); });
|
||
form.addEventListener('submit', function (ev) { ev.preventDefault(); });
|
||
form.querySelectorAll('.chip').forEach(function (b) {
|
||
b.addEventListener('click', function () { nominalEl.value = F.num(Number(b.dataset.amount)); update(true); });
|
||
});
|
||
$('btnReset').addEventListener('click', function () { setState(DEFAULTS); update(true); nominalEl.focus(); });
|
||
$('btnPrint').addEventListener('click', function () {
|
||
verifyThen(function () {
|
||
var d = document.querySelectorAll('.tape-details');
|
||
var was = Array.prototype.map.call(d, function (x) { return x.open; });
|
||
d.forEach(function (x) { x.open = true; });
|
||
window.print();
|
||
d.forEach(function (x, i) { x.open = was[i]; });
|
||
});
|
||
});
|
||
$('btnCopy').addEventListener('click', function () {
|
||
verifyThen(function (verified) {
|
||
var text = summaryText(lastResult, verified);
|
||
var done = function () { toast('Ringkasan disalin. Tempel di WhatsApp atau email.'); };
|
||
// the browser may refuse a late clipboard write; a second tap copies at once (already verified)
|
||
var failed = function () { toast('Belum tersalin. Tekan "Salin ringkasan" sekali lagi.'); };
|
||
if (navigator.clipboard && window.isSecureContext) {
|
||
navigator.clipboard.writeText(text).then(done, function () { fallbackCopy(text) ? done() : failed(); });
|
||
} else if (fallbackCopy(text)) done(); else failed();
|
||
});
|
||
});
|
||
function fallbackCopy(text) {
|
||
var ta = document.createElement('textarea');
|
||
ta.value = text; ta.setAttribute('readonly', ''); ta.style.position = 'fixed'; ta.style.opacity = '0';
|
||
document.body.appendChild(ta); ta.select();
|
||
var ok = false;
|
||
try { ok = document.execCommand('copy'); } catch (e) { ok = false; }
|
||
document.body.removeChild(ta);
|
||
return ok;
|
||
}
|
||
|
||
// mini display on phones once the main display is out of view
|
||
if ('IntersectionObserver' in window) {
|
||
var mini = $('miniDisplay');
|
||
new IntersectionObserver(function (entries) {
|
||
var hidden = !entries[0].isIntersecting && entries[0].boundingClientRect.top < 0;
|
||
mini.classList.toggle('is-shown', hidden && !!lastResult);
|
||
}).observe(display);
|
||
}
|
||
|
||
// details open by default on wide screens
|
||
if ($('detailCalc') && window.matchMedia('(min-width: 900px)').matches) $('detailCalc').open = true;
|
||
|
||
// initial state: deep link ?n=&t=&c=
|
||
var q = new URLSearchParams(location.search);
|
||
var init = {
|
||
nominal: F.parseIdr(q.get('n')) || DEFAULTS.nominal,
|
||
tenor: model.tenors.indexOf(Number(q.get('t'))) >= 0 ? Number(q.get('t')) : DEFAULTS.tenor,
|
||
cust: q.get('c') === 'badan' ? 'badan' : DEFAULTS.cust
|
||
};
|
||
$('minNominal').textContent = F.rp(model.minNominal);
|
||
checkModelAge();
|
||
setState(init);
|
||
update(false);
|
||
fitAll();
|
||
|
||
// Offline copy of the page and its model (sw.js): the calculator keeps working without signal.
|
||
if ('serviceWorker' in navigator && meta.swUrl && window.isSecureContext) {
|
||
window.addEventListener('load', function () { navigator.serviceWorker.register(meta.swUrl).catch(function () { /* optional */ }); });
|
||
}
|
||
})();
|