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Edit File: ./sim-kre.php

<?php
// Fungsi untuk menghitung cicilan bulanan
function hitungKredit($plafon, $suku_bunga, $durasi_tahun) {
    $jumlah_bulan = $durasi_tahun * 12;
    $bunga_per_bulan = $suku_bunga / 12 / 100;

// Cek apakah bunga per bulan adalah 0
    if ($bunga_per_bulan == 0) {
        $cicilan_per_bulan = $plafon / $jumlah_bulan;
    } else {
        // Hitung cicilan per bulan dengan bunga
        $cicilan_per_bulan = $plafon * ($bunga_per_bulan * pow(1 + $bunga_per_bulan, $jumlah_bulan)) / (pow(1 + $bunga_per_bulan, $jumlah_bulan) - 1);
    }

// Hitung total pembayaran dan total bunga
    $total_pembayaran = $cicilan_per_bulan * $jumlah_bulan;
    $total_bunga = $total_pembayaran - $plafon;

// Menghitung rincian angsuran
    $angsuran = [];
    $sisa_pokok = $plafon;
    for ($bulan = 1; $bulan <= $jumlah_bulan; $bulan++) {
        $bunga_bulan_ini = $sisa_pokok * $bunga_per_bulan;
        $pokok_bulan_ini = $cicilan_per_bulan - $bunga_bulan_ini;
        $sisa_pokok -= $pokok_bulan_ini;

$angsuran[] = [
            'bulan' => $bulan,
            'cicilan' => $cicilan_per_bulan,
            'bunga' => $bunga_bulan_ini,
            'pokok' => $pokok_bulan_ini,
            'sisa_pokok' => max($sisa_pokok, 0) // Pastikan sisa pokok tidak negatif
        ];
    }

return [
        'cicilan_per_bulan' => $cicilan_per_bulan,
        'total_pembayaran' => $total_pembayaran,
        'total_bunga' => $total_bunga,
        'angsuran' => $angsuran
    ];
}

// Ambil data dari form
$plafon = isset($_POST['plafon']) ? floatval($_POST['plafon']) : 0;
$suku_bunga = isset($_POST['suku_bunga']) ? floatval($_POST['suku_bunga']) : 0;
$durasi_tahun = isset($_POST['durasi_tahun']) ? intval($_POST['durasi_tahun']) : 0;

// Pastikan semua data valid
if ($plafon <= 0 || $durasi_tahun <= 0) {
    $hasil = [
        'cicilan_per_bulan' => 0,
        'total_pembayaran' => 0,
        'total_bunga' => 0,
        'angsuran' => []
    ];
} else {
    // Hitung hasil simulasi
    $hasil = hitungKredit($plafon, $suku_bunga, $durasi_tahun);
}
?>

<!DOCTYPE html>
<html lang="id">
<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;
        }
        .container {
            max-width: 600px;
            margin: 0 auto;
            padding: 20px;
            background: #f9f9f9;
            border-radius: 8px;
            box-shadow: 0 4px 8px rgba(0,0,0,0.1);
        }
        .form-group {
            margin-bottom: 15px;
        }
        .form-group label {
            display: block;
            margin-bottom: 5px;
        }
        .form-group input {
            width: 100%;
            padding: 10px;
            border: 1px solid #ddd;
            border-radius: 4px;
        }
        .form-group button {
            padding: 10px 20px;
            border: none;
            border-radius: 4px;
            background-color: #007BFF;
            color: white;
            font-size: 16px;
            cursor: pointer;
        }
        .form-group button:hover {
            background-color: #0056b3;
        }
        .result {
            margin-top: 20px;
        }
        .result table {
            width: 100%;
            border-collapse: collapse;
            margin-top: 20px;
        }
        .result table, .result th, .result td {
            border: 1px solid #ddd;
        }
        .result th, .result td {
            padding: 10px;
            text-align: center;
        }
        .result th {
            background-color: #f4f4f4;
        }
        .result tbody tr:nth-child(odd) {
            background-color: #f9f9f9;
        }
        .result tbody tr:nth-child(even) {
            background-color: #e9ecef;
        }
        @media (max-width: 600px) {
            .container {
                padding: 10px;
            }
            .form-group input, .form-group button {
                font-size: 14px;
            }
            .result table, .result th, .result td {
                font-size: 14px;
            }
        }
    </style>
</head>
<body>
    <?php include 'nav.php'; ?>
    <div class="container">
        <h1>Simulasi Kredit</h1>
        <form method="post">
            <div class="form-group">
                <label for="plafon">Plafon Kredit (Rp):</label>
                <input type="number" id="plafon" name="plafon" step="0.01" required>
            </div>
            <div class="form-group">
                <label for="suku_bunga">Suku Bunga Tahunan (%):</label>
                <input type="number" id="suku_bunga" name="suku_bunga" step="0.01" required>
            </div>
            <div class="form-group">
                <label for="durasi_tahun">Durasi (Tahun):</label>
                <input type="number" id="durasi_tahun" name="durasi_tahun" min="1" required>
            </div>
            <div class="form-group">
                <button type="submit">Hitung</button>
            </div>
        </form>
        <?php if ($_SERVER['REQUEST_METHOD'] == 'POST'): ?>
            <div class="result">
                <h2>Hasil Simulasi</h2>
                <table>
                    <thead>
                        <tr>
                            <th>Deskripsi</th>
                            <th>Nilai</th>
                        </tr>
                    </thead>
                    <tbody>
                        <tr>
                            <td>Cicilan Per Bulan</td>
                            <td>Rp <?php echo number_format($hasil['cicilan_per_bulan'], 2, ',', '.'); ?></td>
                        </tr>
                        <tr>
                            <td>Total Pembayaran</td>
                            <td>Rp <?php echo number_format($hasil['total_pembayaran'], 2, ',', '.'); ?></td>
                        </tr>
                        <tr>
                            <td>Total Bunga</td>
                            <td>Rp <?php echo number_format($hasil['total_bunga'], 2, ',', '.'); ?></td>
                        </tr>
                    </tbody>
                </table>

<h2>Rincian Angsuran</h2>
                <table>
                    <thead>
                        <tr>
                            <th>Bulan</th>
                            <th>Cicilan</th>
                            <th>Bunga</th>
                            <th>Pokok</th>
                            <th>Sisa Pokok</th>
                        </tr>
                    </thead>
                    <tbody>
                        <?php foreach ($hasil['angsuran'] as $angsuran): ?>
                            <tr>
                                <td><?php echo $angsuran['bulan']; ?></td>
                                <td>Rp <?php echo number_format($angsuran['cicilan'], 2, ',', '.'); ?></td>
                                <td>Rp <?php echo number_format($angsuran['bunga'], 2, ',', '.'); ?></td>
                                <td>Rp <?php echo number_format($angsuran['pokok'], 2, ',', '.'); ?></td>
                                <td>Rp <?php echo number_format($angsuran['sisa_pokok'], 2, ',', '.'); ?></td>
                            </tr>
                        <?php endforeach; ?>
                    </tbody>
                </table>
            </div>
        <?php endif; ?>
    </div>
</body>
</html>