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Edit File: ./sim-depo.php

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>BANK CAKHRA</title>
    <link rel="icon" type="image/png" href="images/logo1.png">
    <style>
        body {
            font-family: Arial, sans-serif;
            margin: 20px;
        }
        form {
            margin-bottom: 20px;
            padding: 15px;
            border: 1px solid #ccc;
            border-radius: 5px;
            background-color: #f9f9f9;
        }
        label {
            display: block;
            margin: 10px 0 5px;
        }
        input[type="text"], select, input[type="number"] {
            width: 95%;
            padding: 8px;
            margin-bottom: 10px;
        }
        input[type="submit"] {
            padding: 10px 20px;
            background-color: #28a745;
            color: white;
            border: none;
            cursor: pointer;
            border-radius: 5px;
        }
        table {
            width: 100%;
            border-collapse: collapse;
            margin-top: 20px;
        }
        table, th, td {
            border: 1px solid #ddd; /* Lighter border color */
            padding: 12px; /* Increased padding for better spacing */
            text-align: center;
        }
        th {
            background-color: #4CAF50; /* Darker green for the header */
            color: white; /* White text color */
            font-weight: bold; /* Bold font for header */
        }
        tr:hover {
            background-color: #f1f1f1; /* Light grey background on hover */
        }
        td {
            background-color: #ffffff; /* White background for table cells */
            color: #333; /* Darker text color for better readability */
        }
        .warning {
            background-color: #ffcccb; /* Warna pink untuk peringatan */
            padding: 10px;
            margin-top: 20px;
            border: 1px solid #ff0000; /* Border merah */
            border-radius: 5px;
            text-align: center;
            font-weight: bold;
            max-width: 600px; /* Batas lebar maksimum untuk pesan peringatan */
            margin-left: auto; /* Memusatkan pesan peringatan */
            margin-right: auto; /* Memusatkan pesan peringatan */
        }
    </style>
</head>
<body>
<?php include 'nav.php'; ?>
<h1>Simulasi Deposito</h1>

<form method="post" action="">
    <label for="nominal">Dana Deposito Awal (Rp):</label>
    <input type="text" id="nominal" name="nominal" required>

<label for="tenor">Tenor Deposito (Bulan):</label>
    <select id="tenor" name="tenor" required>
        <option value="1">1 Bulan</option>
        <option value="3">3 Bulan</option>
        <option value="6">6 Bulan</option>
        <option value="12">12 Bulan</option>
    </select>

<label for="bunga">Bunga Deposito Tahunan (%):</label>
    <input type="number" id="bunga" name="bunga" value="" min="0" step="0.01" required>

<label for="pajak">Pajak Bunga Deposito (%):</label>
    <input type="text" id="pajak" name="pajak" value="20" required readonly>

<input type="submit" value="Hitung Simulasi">
</form>

<?php
if ($_SERVER["REQUEST_METHOD"] == "POST") {
    // Ambil data dari form
    $nominal = floatval(str_replace(",", "", $_POST['nominal']));
    $tenor = intval($_POST['tenor']);
    $bunga_tahunan = floatval($_POST['bunga']) / 100;
    $pajak_bunga = floatval($_POST['pajak']) / 100;

// Fungsi untuk simulasi deposito dengan bunga bulanan
    function simulasi_deposito($nominal_awal, $tenor, $bunga_tahunan, $pajak_bunga) {
        $data = [];
        $nominal = $nominal_awal;
        $jumlah_hari_tahun = 365; // Jumlah hari dalam setahun

for ($month = 1; $month <= $tenor; $month++) {
            $jumlah_hari_bulan = 30; // Jumlah hari dalam sebulan (asumsi)
            $bunga_kotor = $nominal * ($bunga_tahunan / $jumlah_hari_tahun) * $jumlah_hari_bulan; // Bunga kotor bulanan
            $pajak_dipotong = $bunga_kotor * $pajak_bunga; // Pajak bunga
            $bunga_bersih = $bunga_kotor - $pajak_dipotong; // Bunga bersih
            $nominal += $bunga_bersih; // Tambahkan bunga bersih ke nominal
            
            $data[] = [
                'bulan' => $month,
                'nominal' => $nominal,
                'bunga_kotor' => $bunga_kotor,
                'pajak' => $pajak_dipotong,
                'bunga_bersih' => $bunga_bersih,
                'total_bunga_bersih' => $nominal - $nominal_awal
            ];
        }
        return $data;
    }

// Hitung rincian deposito
    $rincian_deposito = simulasi_deposito($nominal, $tenor, $bunga_tahunan, $pajak_bunga);

// Hitung total dana setelah tenor
    $total_dana_setelah_tenor = end($rincian_deposito)['nominal'];
    $bunga_sebelum_pajak = array_sum(array_column($rincian_deposito, 'bunga_bersih'));
    $bunga_setelah_pajak = $total_dana_setelah_tenor - $nominal;
?>

<h2>Hasil Simulasi Deposito</h2>
<table>
    <tr>
        <th>Deskripsi</th>
        <th>Nilai (Rp)</th>
    </tr>
    <tr>
        <td>Dana Deposito Awal</td>
        <td><?php echo "Rp " . number_format($nominal, 0, ',', '.'); ?></td>
    </tr>
    <tr>
        <td>Bunga Sebelum Pajak</td>
        <td><?php echo "Rp " . number_format($bunga_sebelum_pajak, 0, ',', '.'); ?></td>
    </tr>
    <tr>
        <td>Pajak Bunga Deposito (<?php echo $pajak_bunga * 100; ?>%)</td>
        <td><?php echo "Rp " . number_format($bunga_sebelum_pajak * $pajak_bunga, 0, ',', '.'); ?></td>
    </tr>
    <tr>
        <td>Bunga Setelah Pajak</td>
        <td><?php echo "Rp " . number_format($bunga_setelah_pajak, 0, ',', '.'); ?></td>
    </tr>
    <tr>
        <td>Total Dana Setelah Tenor Berakhir</td>
        <td><?php echo "Rp " . number_format($total_dana_setelah_tenor, 0, ',', '.'); ?></td>
    </tr>
</table>

<div class="warning">
    Simulasi ini hanya perkiraan saja. Untuk informasi lebih lanjut, silahkan hubungi Customer Service PT. BPR Cahaya Khatuliswa Sejahtera.
</div>

<h2>Rincian Bulanan Deposito</h2>
<table>
    <tr>
        <th>Bulan</th>
        <th>Nominal Akhir (Rp)</th>
        <th>Bunga Kotor (Rp)</th>
        <th>Pajak (Rp)</th>
        <th>Bunga Bersih (Rp)</th>
        <th>Total Bunga Bersih (Rp)</th>
    </tr>
    <?php foreach ($rincian_deposito as $rincian) : ?>
        <tr>
            <td><?php echo $rincian['bulan']; ?></td>
            <td><?php echo "Rp " . number_format($rincian['nominal'], 0, ',', '.'); ?></td>
            <td><?php echo "Rp " . number_format($rincian['bunga_kotor'], 0, ',', '.'); ?></td>
            <td><?php echo "Rp " . number_format($rincian['pajak'], 0, ',', '.'); ?></td>
            <td><?php echo "Rp " . number_format($rincian['bunga_bersih'], 0, ',', '.'); ?></td>
            <td><?php echo "Rp " . number_format($rincian['total_bunga_bersih'], 0, ',', '.'); ?></td>
        </tr>
    <?php endforeach; ?>
</table>
<?php } ?>
</body>
</html>