fiqhpratama
327 lines
12 KiB
PHP
327 lines
12 KiB
PHP
<?php
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namespace App\Helpers;
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use Illuminate\Support\Facades\DB;
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class GlobalHelper
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{
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/**
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* Get the client's age from Oracle using FN_GET_AGE function.
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*
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* @param string $birthDate Birth date in 'YYYY-MM-DD' format
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* @param string $loanStartdate Birth date in 'YYYY-MM-DD' format
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* @return int|null The client's age, or null if no data is found
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*/
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public static function getClientAge($birthDate, $loanStartdate)
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{
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try {
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$query = "SELECT ADMIN_AJK.FN_GET_AGE(:birthDate, :loanstartdate) AS age FROM dual";
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$result = DB::select($query, [
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'birthDate' => date('Y-m-d', strtotime($birthDate)),
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'loanstartdate' => date('Y-m-d', strtotime($loanStartdate))
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]);
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if (!empty($result) && isset($result[0]->age)) {
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return (int) $result[0]->age;
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}
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return null;
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} catch (\Exception $e) {
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report($e);
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return null;
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}
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}
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/**
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* Get the result of auto underwriting for SPAJK.
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*
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* @param string $spajk_id SPAJK ID
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* @return boolean The result of auto underwriting
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*/
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public static function GetCriteriaUnderWriting($spajk_id)
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{
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try {
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$query = "SELECT FN_GET_AUTOUW_SPAJK(:spajk_id) AS RESULT FROM DUAL";
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$result = DB::select($query, ['spajk_id' => $spajk_id]);
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if (!empty($result) && isset($result[0]->result)) {
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if($result[0]->result == 'AUTOUW_CRITERIA_OK') {
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return TRUE;
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}else{
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return FALSE;
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}
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}
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return FALSE;
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} catch (\Exception $e) {
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report($e);
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return FALSE;
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}
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}
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/**
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* Generate SPAJK number based on partner ID
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*
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* @param integer $partner_id Partner ID
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* @return string|null SPAJK number or null if error occurs
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*/
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public static function GenerateSPAJKNo($partner_id)
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{
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try {
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$query = "SELECT FN_GEN_SPAJKNO(:partner_id) AS RESULT FROM DUAL";
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$result = DB::select($query, ['partner_id' => $partner_id]);
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if (!empty($result) && isset($result[0]->result)) {
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return $result[0]->result;
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}
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return null;
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} catch (\Exception $e) {
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report($e);
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return null;
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}
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}
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/**
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* Calculate Net Premium of a policy
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*
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* @param array $params Parameters to calculate the net premium
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* - percentage_fee: The percentage of the fee
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* - percentage_ppn: The percentage of the ppn
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* - percentage_pph: The percentage of the pph
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* - gross_premium: The gross premium
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* - premi_gross_total: The total gross premium
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*
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* @return float The calculated net premium
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*/
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public static function calculateNetPremi($params){
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$percentage_fee = isset($params['percentage_fee']) ? $params['percentage_fee'] : 0;
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$percentage_ppn = isset($params['percentage_ppn']) ? $params['percentage_ppn'] : 0;
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$percentage_pph = isset($params['percentage_pph']) ? $params['percentage_pph'] : 0;
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$UP = isset($params['gross_premium']) ? $params['gross_premium'] : 0;
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$premi_gross_total = isset($params['premi_gross_total']) ? $params['premi_gross_total'] : 0;
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$fee = round($percentage_fee / 100 * $UP,0);
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$dpp_include_ppn = 100 / (100 + $percentage_ppn);
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$dpp = round($dpp_include_ppn * $fee,0);
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$ppn = round($percentage_ppn / 100 * $dpp,0);
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$pph = round($percentage_pph / 100 * $dpp,0);
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$premi_net_total = $premi_gross_total - $fee + $ppn + $pph;
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return $premi_net_total;
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}
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private static function FaktorPenurunan($B40, $B14, $J5) {
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$result = round((1 - pow(1 + $B40, -$B14 + $J5)) / (1 - pow(1 + $B40, -$B14)), 3);
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return $result;
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}
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// Fungsi untuk menghitung Premi Substandard
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private static function CalculatePremiSubstandard($EP, $UP, $faktorPenurunan) {
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$EP_per_month = round($EP / 12, 2);
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$UP_ceiling = ceil($UP);
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$premiSubstandard = ($EP_per_month / 1000) * $UP_ceiling * $faktorPenurunan;
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return round($premiSubstandard, 2);
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}
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/**
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* Menghitung premi substandard berdasarkan parameter yang diberikan.
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*
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* @param array $params parameter yang diperlukan
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* - extra_premium: nilai extra premi (EP)
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* - gross_premium: nilai premi bruto (UP)
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* - loan_interest: bunga pinjaman per bulan
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* - loan_coverage_month: masa asuransi dalam bulan
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*
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* @return int
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*/
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public static function calculateExtraPremi($params){
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$EP = isset($params['extra_premium']) ? $params['extra_premium'] : 0; // Nilai Extra Premi (EP)
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$UP = isset($params['gross_premium']) ? $params['gross_premium'] : 0;
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$loan_interest = isset($params['loan_interest']) ? $params['loan_interest'] : 0;
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$masa_asuransi_bulan = isset($params['loan_coverage_month']) ? $params['loan_coverage_month'] : 0;
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// Menghitung faktor penurunan
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$iloan = round($loan_interest / 12, 8);
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$faktor_penurunan = 0;
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for ($i = 0; $i < $masa_asuransi_bulan; $i++) {
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$faktor_perbulan = self::FaktorPenurunan($iloan, $masa_asuransi_bulan, $i);
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$faktor_penurunan = $faktor_penurunan + $faktor_perbulan;
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}
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$result = self::CalculatePremiSubstandard($EP, $UP,round($faktor_penurunan,2));
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return round($result,0);
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}
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/**
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* Calculate the extra mortality based on given parameters.
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*
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* @param array $params {
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* Array containing parameters for calculation.
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*
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* @type int 'em' The extra mortality percentage (default 0).
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* @type int 'gross_premi' The gross premium amount (default 0).
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* }
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* @return int The calculated extra mortality value.
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*/
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public static function calculateExtraMortality($params){
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$em = isset($params['extra_mortality']) ? $params['extra_mortality'] : 0;
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$gross_premi = isset($params['gross_premi']) ? $params['gross_premi'] : 0;
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$gross_premi_total = intval($em) / 100 * intval($gross_premi);
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$gross_premi_total = round(intval($gross_premi_total), 0);
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$extra_mortality = intval($gross_premi_total) + intval( $gross_premi);
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return $extra_mortality;
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}
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public static function calculateGrossPremi($params)
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{
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try {
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$product_id = isset($params['product_id']) ? $params['product_id'] : 0;
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$usia_masuk = isset($params['usia_masuk']) ? $params['usia_masuk'] : 0;
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$loan_start_date = isset($params['loan_start_date']) ? $params['loan_start_date'] : '0000-00-00';
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$loan_end_date = isset($params['loan_end_date']) ? $params['loan_end_date'] : '0000-00-00';
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$loan_amount = isset($params['loan_amount']) ? $params['loan_amount'] : 0; //Besar Pinjaman (UP)
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$query = "SELECT PREMIUM_RATE_ID, PREMIUM_RATE_CODE, FORMULA_RATE_ID, FORMULA_RATE_CODE FROM VW_PRODUCT_DETAIL WHERE PRODUCT_ID = :product_id";
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$product_premi = DB::select($query, ['product_id' => $product_id])[0];
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if (!empty($product_premi)) {
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$premium_rate_id = $product_premi->premium_rate_id;
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$formula_rate_code = $product_premi->formula_rate_code;
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switch ($formula_rate_code) {
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case 'RUP': //ROUNDING UP
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return self::calculatePremiRoundingUp($loan_start_date, $loan_end_date, $usia_masuk, $loan_amount, $premium_rate_id);
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case 'PRO': //PRORATE
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return self::calculatePremiProrate($loan_start_date, $loan_end_date, $usia_masuk, $loan_amount, $premium_rate_id);
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}
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}
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return null;
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} catch (\Exception $e) {
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throw $e;
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}
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}
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public static function calculatePremiProrate($loan_start_date, $loan_end_date, $usia_masuk, $loan_ammount, $RatePremi)
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{
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try {
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$loan_start_date_obj = \Carbon\Carbon::createFromFormat('d-m-Y', $loan_start_date);
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$loan_end_date_obj = \Carbon\Carbon::createFromFormat('d-m-Y', $loan_end_date);
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$difference = $loan_start_date_obj->diff($loan_end_date_obj);
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$coverage_year = $difference->y;
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$coverage_day = $difference->d;
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$add_month = ($coverage_day >= 1 && $coverage_day <= 31) ? 1 : 0;
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$masa_asuransi_month = $loan_start_date_obj->diffInMonths($loan_end_date_obj) + $add_month;
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$coverage_month_mod = $masa_asuransi_month % 12;
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if ($coverage_year == 0) {
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throw new \Exception("Loan tidak boleh kurang dari 1 tahun.");
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}
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$rate_low = DB::table('MS_RATE_PREMI as mrp')
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->where('mrp.AGE', '=', $usia_masuk)
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->where('mrp.INSURANCE_PERIODE_YEAR', '=', $coverage_year)
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->where('mrp.MS_PREMIUM_RATE_ID', '=', $RatePremi)
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->value('mrp.PREMI_VALUE') ?? 0;
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$rate_high = DB::table('MS_RATE_PREMI as mrp')
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->where('mrp.AGE', '=', $usia_masuk)
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->where('mrp.INSURANCE_PERIODE_YEAR', '=', ($coverage_year + 1))
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->where('mrp.MS_PREMIUM_RATE_ID', '=', $RatePremi)
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->value('mrp.PREMI_VALUE') ?? 0;
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if (!isset($rate_low) || !isset($rate_high)) {
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throw new \Exception("Rate untuk perhitungan Gross Premium tidak tersedia.");
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}
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$calculate_rate = ($rate_low + $coverage_month_mod / 12 * ($rate_high - $rate_low));
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$up = ceil($loan_ammount);
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$premi_standard = $calculate_rate / 1000 * $up;
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$premi = round($premi_standard, 0);
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return $premi;
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} catch (\Exception $e) {
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throw $e;
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}
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}
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public static function calculatePremiRoundingUp($loan_start_date, $loan_end_date, $usia_masuk, $loan_ammount, $RatePremi)
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{
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try {
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$loan_start_date_obj = \Carbon\Carbon::createFromFormat('d-m-Y', $loan_start_date);
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$loan_end_date_obj = \Carbon\Carbon::createFromFormat('d-m-Y', $loan_end_date);
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$masa_asuransi = $loan_start_date_obj->diffInMonths($loan_end_date_obj);
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$round_up = ceil($masa_asuransi / 12);
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$premi_value = DB::table('MS_RATE_PREMI as mrp')
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->where('mrp.AGE', '=', $usia_masuk)
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->where('mrp.INSURANCE_PERIODE_YEAR', '=', $round_up)
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->where('mrp.MS_PREMIUM_RATE_ID', '=', $RatePremi)
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->value('mrp.PREMI_VALUE');
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$up = ceil($loan_ammount);
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if (!isset($premi_value)) {
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throw new \Exception("Rate untuk perhitungan Gross Premium tidak tersedia.");
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}
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$premi_standard = $premi_value / 1000 * $up;
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$premi = round($premi_standard, 0);
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return $premi;
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} catch (\Exception $e) {
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throw $e;
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}
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}
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public static function generateCertificateSPAJK($product_id,$partner_id)
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{
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$product_prefix = DB::table('PRODUCT as p')
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->select('mbp.ABBREVIATION as prefx')
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->join('MS_BASIC_PRODUCT as mbp', 'p.BASIC_PRODUCT', '=', 'mbp.ID')
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->where('p.ID', '=', $product_id)
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->first();
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$no_certif = DB::select("SELECT SEQ_NO_CERTIFICATE.NEXTVAL as no_certif FROM dual");
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$no_certif_value = $no_certif[0]->no_certif;
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$formatted_no_certif = str_pad($no_certif_value, 5, '0', STR_PAD_LEFT);
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$partner = DB::table('MS_PARTNER')
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->select('abbreviation_name as prefx')
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->where('code', '=', $partner_id)
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->first();
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$singkatan_value = $product_prefix ? $product_prefix->prefx : '';
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$partner_value = $partner ? $partner->prefx : '';
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$awalan = "PK";
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$certifNo = $awalan . '/' . $singkatan_value . '/' . $partner_value . '-' . $formatted_no_certif;
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return $certifNo;
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}
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}
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