CPF Contribution Flow

# CPF Contribution Flow

Skema kontribusi CPF untuk Delivery Buddy berdasarkan aturan platform worker (mulai 1 Jan 2025).

```mermaid
graph TD
    DB[Delivery Buddy] --> CheckDOB{Cek tanggal lahir}

    CheckDOB -->|Lahir 1 Jan 1995 atau setelahnya| Mandatory[Mandatory Cohort<br/>Wajib kontribusi CPF]
    CheckDOB -->|Lahir sebelum 1 Jan 1995| OptIn[Eligible opt-in<br/>via CPF website]
    
    OptIn -->|Opt-in| OptedIn[Setuju permanent<br/>Opt-in irreversible]
    OptIn -->|Tidak opt-in| NoCPF[Tidak kena CPF<br/>dari platform work]
    
    Mandatory --> CPFActive[CPF contributions apply]
    OptedIn --> CPFActive

    CPFActive --> MinEarnings{Net earnings<br/>> $50/bulan?}
    MinEarnings -->|No| NoCPF
    MinEarnings -->|Yes| Calc[Kalkulasi CPF]

    subgraph Calculation["Kalkulasi CPF"]
        Gross[Gross earnings] --> FEDA["Kurang Fixed Expense Deduction Amount (tergantung moda transport)"]
        FEDA --> Net[Net earnings]
        Net --> Rates["Apply CPF rates<br/>(sesuai age band)"]
    end

    Calc --> Deduction[Send potong dari earnings]
    Deduction --> Submit[Send submit ke CPF Board<br/>setiap bulan]
    
    subgraph OverWithholding["Over-withholding"]
        OW1[Jika kebanyakan dipotong]
        OW2[Dikembalikan ke Send Wallet]
        OW3[Transfer ke bank account<br/>hari kerja berikutnya]
    end

    Deduction -->|Kelebihan| OverWithholding

    subgraph CPFApplicable["Earnings subject to CPF"]
        E1[Delivery fees]
        E2[Incentives per delivery]
        E3[Performance bonuses]
        E4[Rewards aktivitas]
        E5[Cash rewards]
        E6[Tips]
    end

    CPFActive --> CPFApplicable
```