{"id":72,"date":"2019-02-07T00:59:12","date_gmt":"2019-02-07T00:59:12","guid":{"rendered":"http:\/\/bprcitra.com\/?page_id=72"},"modified":"2025-05-08T05:40:02","modified_gmt":"2025-05-08T04:40:02","slug":"kalkulator-tabungan","status":"publish","type":"page","link":"https:\/\/bprcitra.com\/index.php\/kalkulator-tabungan\/","title":{"rendered":"Kalkulator Tabungan BPR Citra Dumoga"},"content":{"rendered":"\n<div style=\"max-width:700px; margin:auto; padding:20px; border:1px solid #ccc; border-radius:10px;\">\n  <h2 style=\"background-color: red; color: white; padding: 10px; text-align: center;\">Kalkulator Tabungan<\/h2>\n\n  <label for=\"jenis\">Pilih Jenis Tabungan:<\/label><br>\n  <select id=\"jenis\" onchange=\"setDefaultValues(); updateInfo();\">\n    <option value=\"tabunganku\">Tabunganku<\/option>\n    <option value=\"citra\">Tabungan Citra Dumoga<\/option>\n    <option value=\"bisnis\">Tabungan Citra Bisnis<\/option>\n  <\/select><br><br>\n\n  <div id=\"infoTabungan\" style=\"background:#f0f0f0; padding:10px; border-radius:5px;\"><\/div><br>\n\n  <label for=\"setoranAwal\">Setoran Awal:<\/label><br>\n  <input type=\"number\" id=\"setoranAwalInput\" onblur=\"validateSetoranAwal();\"><br><br>\n\n  <label for=\"setoran\">Setoran Bulanan (Rp):<\/label><br>\n  <input type=\"number\" id=\"setoran\" onblur=\"validateSetoranBulanan();\"><br><br>\n\n  <label for=\"bulan\">Lama Menabung (bulan):<\/label><br>\n  <input type=\"number\" id=\"bulan\" min=\"1\"><br><br>\n\n  <button onclick=\"hitungTabungan()\">Hitung<\/button><br><br>\n\n  <div id=\"hasil\" style=\"font-weight:bold;\"><\/div>\n  <div id=\"tabelHasil\" style=\"margin-top:20px;\"><\/div>\n<\/div>\n\n<script>\n  const dataTabungan = {\n    tabunganku: {\n      bunga: 0.01,\n      setoranAwal: 20000,\n      setoranMin: 5000,\n      nama: \"Tabunganku\"\n    },\n    citra: {\n      bunga: 0.02,\n      setoranAwal: 50000,\n      setoranMin: 10000,\n      nama: \"Tabungan Citra Dumoga\"\n    },\n    bisnis: {\n      bunga: 0.04,\n      setoranAwal: 25000000,\n      setoranMin: 100000,\n      nama: \"Tabungan Citra Bisnis\"\n    }\n  };\n\n  function setDefaultValues() {\n    const jenis = document.getElementById(\"jenis\").value;\n    const data = dataTabungan[jenis];\n    document.getElementById(\"setoran\").value = data.setoranMin;\n    document.getElementById(\"bulan\").value = 1;\n    document.getElementById(\"hasil\").innerText = \"\";\n    document.getElementById(\"tabelHasil\").innerHTML = \"\";\n    document.getElementById(\"setoranAwalInput\").value = data.setoranAwal;\n    updateInfo();\n  }\n\n  function updateInfo() {\n    const jenis = document.getElementById(\"jenis\").value;\n    const data = dataTabungan[jenis];\n    document.getElementById(\"infoTabungan\").innerHTML = `\n      <strong>${data.nama}<\/strong><br>\n      Setoran Awal Minimum: Rp${data.setoranAwal.toLocaleString()}<br>\n      Suku Bunga: ${(data.bunga * 100).toFixed(2)}% per tahun<br>\n      Setoran Bulanan Minimum: Rp${data.setoranMin.toLocaleString()}\n    `;\n  }\n\n  function validateSetoranAwal() {\n    const jenis = document.getElementById(\"jenis\").value;\n    const minSetoranAwal = dataTabungan[jenis].setoranAwal;\n    let value = parseInt(document.getElementById(\"setoranAwalInput\").value);\n    if (isNaN(value) || value < minSetoranAwal) {\n      alert(`Setoran awal minimal adalah Rp${minSetoranAwal.toLocaleString()}`);\n      document.getElementById(\"setoranAwalInput\").value = minSetoranAwal;\n    }\n  }\n\n  function validateSetoranBulanan() {\n    const jenis = document.getElementById(\"jenis\").value;\n    const minSetoran = dataTabungan[jenis].setoranMin;\n    let value = parseInt(document.getElementById(\"setoran\").value);\n    if (isNaN(value) || value < minSetoran) {\n      alert(`Setoran bulanan minimal adalah Rp${minSetoran.toLocaleString()}`);\n      document.getElementById(\"setoran\").value = minSetoran;\n    }\n  }\n\n  function hitungTabungan() {\n    const jenis = document.getElementById(\"jenis\").value;\n    const data = dataTabungan[jenis];\n    const bungaBulanan = data.bunga \/ 12;\n    const setoranAwal = parseInt(document.getElementById(\"setoranAwalInput\").value);\n    const setoranBulanan = parseInt(document.getElementById(\"setoran\").value);\n    const bulan = parseInt(document.getElementById(\"bulan\").value);\n\n    if (isNaN(setoranAwal) || setoranAwal < data.setoranAwal) {\n      alert(`Setoran awal minimal adalah Rp${data.setoranAwal.toLocaleString()}`);\n      return;\n    }\n\n    if (isNaN(setoranBulanan) || setoranBulanan < data.setoranMin) {\n      alert(`Setoran bulanan minimal adalah Rp${data.setoranMin.toLocaleString()}`);\n      return;\n    }\n\n    if (isNaN(bulan) || bulan < 1) {\n      alert(\"Lama menabung minimal 1 bulan.\");\n      return;\n    }\n\n    let saldo = setoranAwal;\n    let totalBunga = 0;\n    let totalPajak = 0;\n    let tabel = `<table style=\"width:100%; border-collapse: collapse;\" border=\"1\">\n      <tr style=\"background:#e0e0e0;\">\n        <th>Bulan<\/th><th>Saldo Awal<\/th><th>Setoran Bulanan<\/th><th>Bunga<\/th><th>Pajak<\/th><th>Saldo Akhir<\/th>\n      <\/tr>`;\n\n    for (let i = 1; i <= bulan; i++) {\n      let saldoAwal = saldo;\n\n      if (i > 1) saldo += setoranBulanan;\n\n      let bunga = saldo * bungaBulanan;\n      let pajak = 0;\n\n      if ((saldo + bunga) > 7500000) {\n        pajak = bunga * 0.2;\n        bunga -= pajak;\n      }\n\n      saldo += bunga;\n\n      totalBunga += bunga;\n      totalPajak += pajak;\n\n      tabel += `<tr>\n        <td style=\"text-align:center;\">${i}<\/td>\n        <td style=\"text-align:right;\">Rp${Math.round(saldoAwal).toLocaleString()}<\/td>\n        <td style=\"text-align:right;\">${i > 1 ? 'Rp' + setoranBulanan.toLocaleString() : '-'}<\/td>\n        <td style=\"text-align:right;\">Rp${Math.round(bunga).toLocaleString()}<\/td>\n        <td style=\"text-align:right;\">Rp${Math.round(pajak).toLocaleString()}<\/td>\n        <td style=\"text-align:right;\">Rp${Math.round(saldo).toLocaleString()}<\/td>\n      <\/tr>`;\n    }\n\n    tabel += `<\/table>\n      <p style=\"font-size: 12px; color: #555; margin-top: 10px;\">\n        Catatan: Pajak bunga (PPH 20%) dikenakan jika saldo setelah bunga melebihi Rp7.500.000.\n      <\/p>\n      <a href=\"https:\/\/contohbank.com\/buka-rekening\" target=\"_blank\" \n         style=\"display:inline-block; margin-top:10px; padding:10px 15px; background:#28a745; color:white; text-decoration:none; border-radius:5px;\">\n         Buka Rekening Tabungan Sekarang\n      <\/a>`;\n\n    document.getElementById(\"hasil\").innerHTML = `\n      Estimasi total tabungan setelah ${bulan} bulan: <strong>Rp${Math.round(saldo).toLocaleString()}<\/strong><br>\n      Total bunga bersih yang diperoleh: <strong>Rp${Math.round(totalBunga).toLocaleString()}<\/strong><br>\n      Total pajak yang dibayarkan: <strong>Rp${Math.round(totalPajak).toLocaleString()}<\/strong>\n    `;\n    document.getElementById(\"tabelHasil\").innerHTML = tabel;\n  }\n\n  \/\/ Jalankan saat pertama kali\n  setDefaultValues();\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Kalkulator Tabungan Pilih Jenis Tabungan: TabungankuTabungan Citra DumogaTabungan Citra Bisnis Setoran Awal: Setoran Bulanan (Rp): Lama Menabung (bulan): Hitung<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-72","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/pages\/72","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/comments?post=72"}],"version-history":[{"count":19,"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/pages\/72\/revisions"}],"predecessor-version":[{"id":1207,"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/pages\/72\/revisions\/1207"}],"wp:attachment":[{"href":"https:\/\/bprcitra.com\/index.php\/wp-json\/wp\/v2\/media?parent=72"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}