{"id":920,"date":"2025-11-05T06:52:41","date_gmt":"2025-11-05T06:52:41","guid":{"rendered":"https:\/\/eriekashaher.com\/?page_id=920"},"modified":"2025-11-05T07:19:48","modified_gmt":"2025-11-05T07:19:48","slug":"kalkulator-pinjaman-islamik","status":"publish","type":"page","link":"https:\/\/eriekashaher.com\/index.php\/kalkulator-pinjaman-islamik\/","title":{"rendered":"Kalkulator Pinjaman Islamik"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\n\n\n \n \n Kalkulator Pembiayaan Kereta Islamik \u2014 Erieka Shaher<\/title>\n <style>\n :root{--bg:#f7fafc;--card:#ffffff;--accent:#0ea5a4;--muted:#6b7280}\n *{box-sizing:border-box}\n body{font-family:Inter, ui-sans-serif, system-ui, -apple-system, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial; background:var(--bg); color:#0f172a; margin:0; padding:32px}\n .container{max-width:920px;margin:0 auto}\n .card{background:var(--card);border-radius:12px;padding:22px;box-shadow:0 6px 18px rgba(2,6,23,0.08)}\n h1{font-size:20px;margin:0 0 8px}\n p.lead{margin:0 0 18px;color:var(--muted)}\n .grid{display:grid;gap:12px;grid-template-columns:repeat(2,1fr)}\n .full{grid-column:1\/-1}\n label{display:block;font-size:13px;color:var(--muted);margin-bottom:6px}\n input[type=\"number\"], select{width:100%;padding:10px;border:1px solid #e6e9ee;border-radius:8px;font-size:15px}\n .row{display:flex;gap:12px}\n button{background:var(--accent);color:#fff;padding:10px 14px;border-radius:8px;border:0;cursor:pointer;font-weight:600}\n button.secondary{background:#eef2f2;color:#0f172a}\n .result{margin-top:16px;padding:14px;border-radius:10px;background:#f1f9f8;border:1px solid rgba(14,165,164,0.12)}\n .result .value{font-size:20px;font-weight:700}\n table{width:100%;border-collapse:collapse;margin-top:14px}\n table th, table td{padding:8px;border-bottom:1px solid #eef2f2;text-align:right;font-size:13px}\n table th{text-align:left;color:var(--muted);font-weight:600}\n .muted{color:var(--muted)}\n .small{font-size:13px}\n @media (max-width:700px){.grid{grid-template-columns:1fr}.row{flex-direction:column}}\n <\/style>\n<\/head>\n<body>\n <div class=\"container\">\n <div class=\"card\">\n <h1>Kalkulator Pembiayaan Kereta Islamik (Bank Malaysia)<\/h1>\n <p class=\"lead\">Masukkan Harga Kereta, Downpayment, Kadar Keuntungan (profit rate) dan Tempoh Pembiayaan. Kalkulator ini menggunakan kaedah <strong>Kadar Rata (Flat Rate)<\/strong> seperti pembiayaan bank Islam di Malaysia.<\/p>\n\n <div class=\"grid\" role=\"form\">\n <div>\n <label for=\"bankSelect\">Pilih Bank Islam<\/label>\n <select id=\"bankSelect\">\n <option value=\"\">Pilih Bank<\/option>\n <option value=\"2.35\">Maybank Islamic (2.35%)<\/option>\n <option value=\"2.45\">CIMB Islamic (2.45%)<\/option>\n <option value=\"2.50\">Bank Islam Malaysia (2.50%)<\/option>\n <option value=\"2.60\">Bank Muamalat (2.60%)<\/option>\n <option value=\"2.70\">Public Islamic Bank (2.70%)<\/option>\n <\/select>\n <\/div>\n\n <div>\n <label for=\"carPrice\">Harga Kereta (RM)<\/label>\n <input id=\"carPrice\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"Contoh: 80,000\">\n <\/div>\n\n <div>\n <label for=\"downPayment\">Downpayment (RM)<\/label>\n <input id=\"downPayment\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"Contoh: 8,000\">\n <\/div>\n\n <div>\n <label for=\"profitRate\">Kadar Keuntungan Tahunan (%)<\/label>\n <input id=\"profitRate\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"Contoh: 2.35\">\n <\/div>\n\n <div>\n <label for=\"tenureYears\">Tempoh Pembiayaan (Tahun)<\/label>\n <select id=\"tenureYears\">\n <option value=\"1\">1 tahun<\/option>\n <option value=\"2\">2 tahun<\/option>\n <option value=\"3\" selected>3 tahun<\/option>\n <option value=\"4\">4 tahun<\/option>\n <option value=\"5\">5 tahun<\/option>\n <option value=\"6\">6 tahun<\/option>\n <option value=\"7\">7 tahun<\/option>\n <option value=\"8\">8 tahun<\/option>\n <option value=\"9\">9 tahun<\/option>\n <option value=\"10\">10 tahun<\/option>\n <\/select>\n <\/div>\n\n <div class=\"full row\" style=\"margin-top:6px\">\n <button id=\"calcBtn\">Kira Ansuran Bulanan<\/button>\n <button id=\"resetBtn\" class=\"secondary\" type=\"button\">Reset<\/button>\n <button id=\"amortBtn\" class=\"secondary\" type=\"button\">Tunjuk Jadual Pembayaran<\/button>\n <\/div>\n <\/div>\n\n <div id=\"results\" class=\"result\" hidden aria-live=\"polite\">\n <div><span class=\"small muted\">Jumlah Pembiayaan<\/span><\/div>\n <div class=\"value\" id=\"financeAmount\">RM 0.00<\/div>\n\n <div style=\"display:flex;gap:18px;margin-top:10px\">\n <div>\n <div class=\"small muted\">Ansuran Bulanan<\/div>\n <div id=\"monthly\">RM 0.00<\/div>\n <\/div>\n <div>\n <div class=\"small muted\">Jumlah Bayaran<\/div>\n <div id=\"totalPayment\">RM 0.00<\/div>\n <\/div>\n <div>\n <div class=\"small muted\">Jumlah Keuntungan<\/div>\n <div id=\"totalProfit\">RM 0.00<\/div>\n <\/div>\n <\/div>\n\n <div id=\"amortization\" style=\"margin-top:14px;display:none\">\n <h3 class=\"small\">Jadual Pembayaran (36 bulan pertama)<\/h3>\n <div style=\"max-height:220px;overflow:auto\">\n <table id=\"amortTable\" aria-label=\"Jadual Pembayaran\">\n <thead>\n <tr><th>Bln<\/th><th>Ansuran<\/th><th>Keuntungan<\/th><th>Pokok<\/th><th>Baki<\/th><\/tr>\n <\/thead>\n <tbody><\/tbody>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n\n <p class=\"small muted\" style=\"margin-top:12px\">Nota: Kalkulator ini menggunakan <strong>kaedah kadar rata (Flat Rate)<\/strong> di mana keuntungan dikira atas prinsipal asal bagi keseluruhan tempoh. Contoh: RM200,000 \u00d7 2.3% \u00d7 9 tahun = RM41,400 keuntungan.<\/p>\n <\/div>\n <\/div>\n\n <script>\n const fmt = new Intl.NumberFormat('ms-MY', { style: 'currency', currency: 'MYR', maximumFractionDigits: 2 });\n\n const getEl = id => document.getElementById(id);\n const carPrice = getEl('carPrice');\n const downPayment = getEl('downPayment');\n const profitRate = getEl('profitRate');\n const tenureYears = getEl('tenureYears');\n const calcBtn = getEl('calcBtn');\n const resetBtn = getEl('resetBtn');\n const amortBtn = getEl('amortBtn');\n const bankSelect = getEl('bankSelect');\n\n const results = getEl('results');\n const financeAmountEl = getEl('financeAmount');\n const monthlyEl = getEl('monthly');\n const totalPaymentEl = getEl('totalPayment');\n const totalProfitEl = getEl('totalProfit');\n const amortSection = getEl('amortization');\n const amortTableBody = document.querySelector('#amortTable tbody');\n\n function numberOrZero(v){ const n = parseFloat(v); return isFinite(n) ? n : 0 }\n\n bankSelect.addEventListener('change', ()=>{\n if(bankSelect.value){ profitRate.value = bankSelect.value; }\n });\n\n function calculate(){\n const price = numberOrZero(carPrice.value);\n const down = numberOrZero(downPayment.value);\n const P = price - down; \/\/ jumlah pembiayaan\n const rate = numberOrZero(profitRate.value);\n const years = parseInt(tenureYears.value,10) || 0;\n const n = years * 12;\n\n if (price <= 0) { alert('Sila masukkan Harga Kereta yang sah.'); return; }\n if (down < 0) { alert('Downpayment tidak boleh negatif.'); return; }\n if (down >= price) { alert('Downpayment sama atau lebih besar daripada Harga Kereta. Tiada pembiayaan diperlukan.'); return; }\n if (P <= 0 || n <= 0) { alert('Sila semak Jumlah Pembiayaan dan Tempoh.'); return; }\n\n const totalProfit = P * (rate\/100) * years; \/\/ simple flat rate interest\n const totalPayment = P + totalProfit;\n const monthly = totalPayment \/ n;\n\n amortTableBody.innerHTML = '';\n let balance = P;\n const monthlyInterestFixed = P * (rate\/100) \/ 12;\n for (let i = 1; i <= Math.min(n, 36); i++){\n const interest = monthlyInterestFixed;\n const principal = monthly - interest;\n balance = Math.max(0, balance - principal);\n const tr = document.createElement('tr');\n tr.innerHTML = `<td style=\"text-align:left\">${i}<\/td><td>${fmt.format(monthly)}<\/td><td>${fmt.format(interest)}<\/td><td>${fmt.format(principal)}<\/td><td>${fmt.format(balance)}<\/td>`;\n amortTableBody.appendChild(tr);\n }\n\n financeAmountEl.textContent = fmt.format(P);\n monthlyEl.textContent = fmt.format(monthly);\n totalPaymentEl.textContent = fmt.format(totalPayment);\n totalProfitEl.textContent = fmt.format(totalProfit);\n results.hidden = false;\n\n if (amortSection.style.display !== 'none') amortSection.style.display = '';\n }\n\n calcBtn.addEventListener('click', (e)=>{\n if (!downPayment.value) downPayment.value = '0.00';\n calculate();\n });\n\n resetBtn.addEventListener('click', ()=>{\n carPrice.value = '';\n downPayment.value = '';\n profitRate.value = '';\n tenureYears.value = '3';\n bankSelect.value = '';\n results.hidden = true;\n amortSection.style.display = 'none';\n amortTableBody.innerHTML = '';\n });\n\n amortBtn.addEventListener('click', ()=>{\n amortSection.style.display = (amortSection.style.display === 'none' || amortSection.style.display === '') ? '' : 'none';\n if (!results.hidden && amortTableBody.children.length === 0) calculate();\n });\n\n [carPrice, downPayment].forEach(inp=>{\n inp.addEventListener('blur', ()=>{\n const v = numberOrZero(inp.value);\n if (v) inp.value = v.toFixed(2);\n });\n });\n <\/script>\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a15469 e-flex e-con-boxed e-con e-parent\" data-id=\"0a15469\" data-element_type=\"container\" data-settings=\"{"ekit_has_onepagescroll_dot":"yes"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdc7946 elementor-widget elementor-widget-image\" data-id=\"cdc7946\" data-element_type=\"widget\" data-settings=\"{"ekit_we_effect_on":"none"}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"780\" height=\"1200\" src=\"https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-780x1200.png\" class=\"attachment-large size-large wp-image-937\" alt=\"\" srcset=\"https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-780x1200.png 780w, https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-325x500.png 325w, https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-195x300.png 195w, https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-768x1181.png 768w, https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-49x75.png 49w, https:\/\/eriekashaher.com\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-05-at-2.57.07-PM-484x744.png 484w\" sizes=\"(max-width:767px) 484px, (max-width:780px) 100vw, 780px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kalkulator Pembiayaan Kereta Islamik \u2014 Erieka Shaher Kalkulator Pembiayaan Kereta Islamik (Bank Malaysia) Masukkan Harga Kereta, Downpayment, Kadar Keuntungan (profit rate) dan Tempoh Pembiayaan. Kalkulator ini<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/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-920","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/pages\/920","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/comments?post=920"}],"version-history":[{"count":18,"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/pages\/920\/revisions"}],"predecessor-version":[{"id":940,"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/pages\/920\/revisions\/940"}],"wp:attachment":[{"href":"https:\/\/eriekashaher.com\/index.php\/wp-json\/wp\/v2\/media?parent=920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}