{"id":1611,"date":"2025-12-21T12:58:27","date_gmt":"2025-12-21T05:58:27","guid":{"rendered":"https:\/\/mifkanawacipta.com\/?page_id=1611"},"modified":"2025-12-21T13:03:57","modified_gmt":"2025-12-21T06:03:57","slug":"1611-2","status":"publish","type":"page","link":"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/","title":{"rendered":"Simulasi Kredit"},"content":{"rendered":"    <div class=\"wp-block-bplugins-custom-html\" id='bPluginsCustomHtml-1'>\r\n    <style>\n.simulator {\n  max-width: 640px;\n  background: #ffffff;\n  padding: 28px;\n  border-radius: 16px;\n  box-shadow: 0 15px 40px rgba(0,0,0,.08);\n}\n.simulator h3 {\n  text-align: center;\n  color: #0b3c5d;\n  margin-bottom: 20px;\n}\n.simulator label {\n  font-weight: 600;\n  margin-top: 14px;\n  display: block;\n}\n.simulator input, .simulator select {\n  width: 100%;\n  padding: 11px;\n  margin-top: 6px;\n  border-radius: 8px;\n  border: 1px solid #ccc;\n}\n.simulator button {\n  width: 100%;\n  background: #0b3c5d;\n  color: #fff;\n  padding: 14px;\n  margin-top: 22px;\n  border: none;\n  border-radius: 10px;\n  font-size: 16px;\n  cursor: pointer;\n}\n.simulator button:hover {\n  background: #072c44;\n}\n.hasil {\n  background: #f4f7fb;\n  padding: 18px;\n  border-radius: 12px;\n  margin-top: 22px;\n}\n.hasil div {\n  display: flex;\n  justify-content: space-between;\n  margin-bottom: 8px;\n}\n.total {\n  font-size: 18px;\n  font-weight: 700;\n}\n<\/style>\n\n<div class=\"simulator\">\n  <h3>Simulasi Kredit Mobil<\/h3>\n\n  <label>Harga Mobil (Rp)<\/label>\n  <input type=\"number\" id=\"harga\" placeholder=\"Contoh: 350000000\">\n\n  <label>DP (%)<\/label>\n  <input type=\"number\" id=\"dpPersen\" value=\"20\">\n\n  <label>Tenor<\/label>\n  <select id=\"tenor\">\n    <option value=\"12\">12 Bulan<\/option>\n    <option value=\"24\">24 Bulan<\/option>\n    <option value=\"36\">36 Bulan<\/option>\n    <option value=\"48\">48 Bulan<\/option>\n    <option value=\"60\">60 Bulan<\/option>\n    <option value=\"72\">72 Bulan<\/option>\n  <\/select>\n\n  <button onclick=\"hitung()\">Hitung Simulasi<\/button>\n\n  <div class=\"hasil\" id=\"hasil\" style=\"display:none\">\n    <div><span>DP<\/span><strong id=\"dp\"><\/strong><\/div>\n    <div><span>Pokok Kredit<\/span><strong id=\"pokok\"><\/strong><\/div>\n    <div><span>Total Bunga<\/span><strong id=\"bunga\"><\/strong><\/div>\n    <div><span>Asuransi<\/span><strong id=\"asuransi\"><\/strong><\/div>\n    <div><span>Admin + Fidusia<\/span><strong id=\"admin\"><\/strong><\/div>\n    <hr>\n    <div class=\"total\"><span>Cicilan \/ Bulan<\/span><strong id=\"cicilan\"><\/strong><\/div>\n  <\/div>\n<\/div>\n\n<script>\nfunction idr(x){return \"Rp \"+x.toLocaleString(\"id-ID\");}\n\nfunction bungaFlat(tenor){\n  if(tenor<=12) return 0.0325;\n  if(tenor<=24) return 0.0375;\n  if(tenor<=36) return 0.045;\n  if(tenor<=48) return 0.0525;\n  if(tenor<=60) return 0.0575;\n  return 0.0625;\n}\n\nfunction hitung(){\n  let harga = Number(hargaEl.value);\n  let dpP = Number(dpPersen.value)\/100;\n  let tenor = Number(tenorEl.value);\n\n  if(!harga) return alert(\"Masukkan harga mobil\");\n\n  let dp = harga * dpP;\n  let pokok = harga - dp;\n\n  let bunga = pokok * bungaFlat(tenor) * (tenor\/12);\n\n  \/\/ asuransi termurah\n  let asuransi = harga * (\n    tenor<=24 ? 0.04 :\n    tenor<=48 ? 0.05 : 0.055\n  );\n\n  let admin = 3000000 + (pokok * 0.01);\n\n  let total = pokok + bunga + asuransi + admin;\n  let cicilan = total \/ tenor;\n\n  hasil.style.display=\"block\";\n  dpEl.innerText = idr(dp);\n  pokokEl.innerText = idr(pokok);\n  bungaEl.innerText = idr(bunga);\n  asuransiEl.innerText = idr(asuransi);\n  adminEl.innerText = idr(admin);\n  cicilanEl.innerText = idr(Math.round(cicilan));\n}\n\nconst hargaEl=document.getElementById(\"harga\"),\ndpPersen=document.getElementById(\"dpPersen\"),\ntenorEl=document.getElementById(\"tenor\"),\nhasil=document.getElementById(\"hasil\"),\ndpEl=document.getElementById(\"dp\"),\npokokEl=document.getElementById(\"pokok\"),\nbungaEl=document.getElementById(\"bunga\"),\nasuransiEl=document.getElementById(\"asuransi\"),\nadminEl=document.getElementById(\"admin\"),\ncicilanEl=document.getElementById(\"cicilan\");\n<\/script>\n    <\/div>\r\n    ","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1611","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Simulasi Kredit - PT Mifka Nawa Cipta<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulasi Kredit - PT Mifka Nawa Cipta\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/\" \/>\n<meta property=\"og:site_name\" content=\"PT Mifka Nawa Cipta\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-21T06:03:57+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/\",\"url\":\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/\",\"name\":\"Simulasi Kredit - PT Mifka Nawa Cipta\",\"isPartOf\":{\"@id\":\"https:\/\/mifkanawacipta.com\/#website\"},\"datePublished\":\"2025-12-21T05:58:27+00:00\",\"dateModified\":\"2025-12-21T06:03:57+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/#breadcrumb\"},\"inLanguage\":\"id\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mifkanawacipta.com\/index.php\/1611-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/mifkanawacipta.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulasi Kredit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mifkanawacipta.com\/#website\",\"url\":\"https:\/\/mifkanawacipta.com\/\",\"name\":\"PT Mifka Nawa Cipta\",\"description\":\"PT Mifka Nawa Cipta Mitra hadir sebagai sahabat perjalanan hidup Anda. 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