Update app.py

app.py

@@ -1493,9 +1493,22 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
         def _t(i, e, h):
             return {'id': i, 'en': e, 'hi': h}[lang]
 
+        # Helper: word-boundary check for short keywords (avoids 'hi' matching 'mempengaruhi')
+        def _kw(msg_low, word_list):
+            for w in word_list:
+                if len(w) <= 3:
+                    if re.search(r'\b' + re.escape(w) + r'\b', msg_low):
+                        return True
+                else:
+                    if w in msg_low:
+                        return True
+            return False
+
         # ① Who is Maya / greetings
-        if any(w in low for w in ['siapa','kamu','km','who are you','nama','you are','maya',
-                                   'halo','hai','hei','hello','hi','perkenalan']):
+        # FIXED: removed 'kamu','km' (too broad — appears in almost every sentence)
+        # FIXED: 'hi','hei','hai' use word-boundary via _kw helper
+        if _kw(low, ['siapa','who are you','perkenalan','halo','hello','hei','hai','hi',
+                     'maya','nama kamu','you are']):
             response = _t(
                 "Hei! Aku **Maya**, AI Credit Advisor kamu Aku dirancang untuk bantu kamu pahami skor kredit dan strategi bisnis UMKM. "
                 "Skor PD kamu sekarang **" + str(round(pd_pct,1)) + "%** — " +
@@ -1532,6 +1545,94 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
             adjustments['digital_presence_score'] = 75
             adjustments['monthly_cash_flow'] = 25000000
 
+        # ⑥ Digital score targeted — MOVED UP before ③ and ⑤
+        # FIXED: was after ③improve which had 'naik' catching 'naikin digital score'
+        elif any(w in low for w in ['digital score','skor digital','digital presence',
+                                     'naikin digital','naik digital','digital jadi','digital ke']):
+            target = 80
+            try:
+                nums = re.findall(r'\d+', user_msg)
+                if nums:
+                    target = int(nums[-1])
+            except Exception:
+                pass
+            target = max(1, min(100, target))
+            adjustments['digital_presence_score'] = target
+            cur_dig = raw_input.get('digital_presence_score', 0)
+            response = _t(
+                "Digital score **" + str(cur_dig) + " → " + str(target) + "** sudah aku set di What-If!\n\n"
+                "Cara naik digital score:\n"
+                "1. **Google Business Profile** — verifikasi & lengkapi info\n"
+                "2. **Aktif di marketplace** — Tokopedia/Shopee/TikTok Shop\n"
+                "3. **Media sosial konsisten** — posting minimal 3x/minggu\n\n"
+                "Cek tab What-If untuk lihat dampak ke PD!",
+                "Digital score **" + str(cur_dig) + " → " + str(target) + "** set in What-If!\n\n"
+                "Ways to improve:\n"
+                "1. **Google Business Profile** — verify & complete\n"
+                "2. **Active marketplace** — Tokopedia/Shopee/TikTok Shop\n"
+                "3. **Consistent social media** — post 3x/week\n\n"
+                "Check the What-If tab for PD impact!",
+                "Digital score **" + str(cur_dig) + " → " + str(target) + "** What-If mein set!\n\n"
+                "Sudhaar ke tarike:\n"
+                "1. Google Business Profile verify karein\n"
+                "2. Marketplace active rahein\n"
+                "3. Social media niyamit rahein\n\n"
+                "What-If tab mein PD prabhav dekhein!"
+            )
+
+        # ⑩ Humor/absurd — MOVED UP before ⑤loan
+        # FIXED: 'kredit' in ⑤loan was catching "beruang... minta kredit bisa gak?"
+        elif any(w in low for w in ['beruang','maling','jerapah','babi','kucing','lucu',
+                                     'absurd','random','hewan','binatang','gajah','dinosaurus']):
+            response = _t(
+                "Haha, oke oke! 😄 Tapi balik ke topik serius — bahkan si beruang pun butuh skor kredit bagus buat pinjam madu dari bank!\n\n"
+                "Profil kamu: PD **" + str(round(pd_pct,1)) + "%** — " +
+                ('udah bagus banget nih!' if pd_pct < 20 else 'masih ada yang bisa diperbaiki.') +
+                " Ada yang mau ditanyain soal kredit atau bisnis?",
+                "Haha, fair enough! 😄 But back to business — even a bear needs good credit to borrow honey from the bank!\n\n"
+                "Your profile: PD **" + str(round(pd_pct,1)) + "%** — " +
+                ('already looking great!' if pd_pct < 20 else 'some room to improve.') +
+                " Anything credit or business related?",
+                "Haha, theek hai! 😄 Lekin credit ki baat karein — bhaaloo ko bhi bank se madhu udhaarne ke liye achha score chahiye!\n\n"
+                "Aapka PD **" + str(round(pd_pct,1)) + "%** — " +
+                ('pehle se badhiya!' if pd_pct < 20 else 'kuch sudhaar ho sakta hai.') +
+                " Kuch aur poochna hai?"
+            )
+
+        # ⑪ 6-month action plan — MOVED UP before ④shap
+        # FIXED: 'apa yang perlu' was triggering ④shap via 'apa yang' substring
+        elif any(w in low for w in ['6 bulan','rencana','plan','action plan','ke depan',
+                                     'persiapan','apply lagi','sebelum apply']):
+            rec_items = []
+            if not npwp:
+                rec_items.append(_t(
+                    "**Bulan 1**: Urus NPWP di pajak.go.id (gratis, 1-3 hari)",
+                    "**Month 1**: Register NPWP at pajak.go.id (free, 1-3 days)",
+                    "**Maah 1**: NPWP register karein pajak.go.id par"
+                ))
+            if dig < 60:
+                rec_items.append(_t(
+                    "**Bulan 1-2**: Aktifkan Google Business + daftar marketplace",
+                    "**Month 1-2**: Activate Google Business + register on marketplace",
+                    "**Maah 1-2**: Google Business activate + marketplace register karein"
+                ))
+            if cf < 15e6:
+                rec_items.append(_t(
+                    "**Bulan 2-4**: Pisah rekening bisnis, dokumentasi semua pemasukan",
+                    "**Month 2-4**: Separate business account, document all income",
+                    "**Maah 2-4**: Vyapaar khaata alag karein, sabhi aay document karein"
+                ))
+            rec_items.append(_t(
+                "**Bulan 5-6**: Simulasikan ulang di What-If, ajukan kredit jika PD < 20%",
+                "**Month 5-6**: Re-simulate in What-If, apply when PD < 20%",
+                "**Maah 5-6**: What-If mein re-simulate karein, PD < 20% ho tab apply karein"
+            ))
+            response = _t(
+                "Action plan 6 bulan buat kamu (PD sekarang **" + str(round(pd_pct,1)) + "%**):\n\n",
+                "6-month action plan (current PD **" + str(round(pd_pct,1)) + "%**):\n\n",
+                "6 maah ka plan (abhi PD **" + str(round(pd_pct,1)) + "%**):\n\n"
+            ) + '\n'.join(rec_items[:4])
+
         # ③ How to improve / lower PD → triggers sliders
         elif any(w in low for w in ['improve','better','lower','reduce','tingkatkan','kurangi',
                                      'turunkan','cara','gimana','bagaimana','naik','turun',
@@ -1576,8 +1677,11 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
             )
 
         # ④ Why high score / SHAP factors — CoT picks actual SHAP values
-        elif any(w in low for w in ['why','kenapa','mengapa','factor','faktor','shap','pengaruh',
-                                     'driver','apa yang','jelasin','jelaskan','explain','definisi']):
+        # FIXED: removed 'apa yang' (matched 'berapa yang'), 'factor' (too broad)
+        # Use specific phrases instead
+        elif any(w in low for w in ['why','kenapa','mengapa','shap','pengaruh','faktor risiko',
+                                     'driver','jelasin','jelaskan','explain','definisi',
+                                     'kenapa skor','mengapa skor','yang mempengaruhi','apa penyebab']):
             ti  = int(np.argsort(np.abs(shap_vals))[-1])
             ti2 = int(np.argsort(np.abs(shap_vals))[-2])
             fn  = feature_names[ti]
@@ -1632,7 +1736,8 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
             )
 
         # ⑤ Ideal loan amount → trigger loan_rp slider
-        elif any(w in low for w in ['pinjaman','loan','kredit','berapa','amount','besar',
+        # FIXED: removed 'besar' (too broad); ⑥digit and ⑩humor now come before this
+        elif any(w in low for w in ['pinjaman','loan','kredit','berapa','amount',
                                      'limit','ideal','rekomendasi pinjaman']):
             if cf > 0:
                 dur_val = raw_input.get('duration', 24)
@@ -1663,40 +1768,6 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
                     "Sahi sujhaav ke liye pehle maasik naqad pravaah bharein!"
                 )
 
-        # ⑥ Digital score targeted question → trigger slider
-        elif any(w in low for w in ['digital score','skor digital','digital presence',
-                                     'naikin digital','naik digital','digital jadi','digital ke']):
-            target = 80
-            try:
-                nums = re.findall(r'\d+', user_msg)
-                if nums:
-                    target = int(nums[-1])
-            except Exception:
-                pass
-            target = max(1, min(100, target))
-            adjustments['digital_presence_score'] = target
-            cur_dig = raw_input.get('digital_presence_score', 0)
-            response = _t(
-                "Digital score **" + str(cur_dig) + " → " + str(target) + "** sudah aku set di What-If!\n\n"
-                "Cara naik digital score:\n"
-                "1. **Google Business Profile** — verifikasi & lengkapi info\n"
-                "2. **Aktif di marketplace** — Tokopedia/Shopee/TikTok Shop\n"
-                "3. **Media sosial konsisten** — posting minimal 3x/minggu\n\n"
-                "Cek tab What-If untuk lihat dampak ke PD!",
-                "Digital score **" + str(cur_dig) + " → " + str(target) + "** set in What-If!\n\n"
-                "Ways to improve:\n"
-                "1. **Google Business Profile** — verify & complete\n"
-                "2. **Active marketplace** — Tokopedia/Shopee/TikTok Shop\n"
-                "3. **Consistent social media** — post 3x/week\n\n"
-                "Check the What-If tab for PD impact!",
-                "Digital score **" + str(cur_dig) + " → " + str(target) + "** What-If mein set!\n\n"
-                "Sudhaar ke tarike:\n"
-                "1. Google Business Profile verify karein\n"
-                "2. Marketplace active rahein\n"
-                "3. Social media niyamit rahein\n\n"
-                "What-If tab mein PD prabhav dekhein!"
-            )
-
         # ⑦ Savings / cash flow topics
         elif any(w in low for w in ['tabungan','saving','nabung','menabung','savings',
                                      'uang','keuangan','finance','financial','simpan']):
@@ -1723,6 +1794,7 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
             adjustments['monthly_cash_flow'] = int(cf * 1.3)
 
         # ⑧ Credit history
+
         elif any(w in low for w in ['riwayat kredit','credit history','kredit history',
                                      'credit record','riwayat','history kredit']):
             ch_val = raw_input.get('credit_history', '-')
@@ -1779,57 +1851,6 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
             if dig < 75:
                 adjustments['digital_presence_score'] = 75
 
-        # ⑩ Humor: absurd / animal / 6-month plan — CoT robustness
-        elif any(w in low for w in ['beruang','maling','jerapah','babi','kucing','lucu',
-                                     'absurd','random','hewan','binatang']):
-            response = _t(
-                "Haha, oke oke! 😄 Tapi balik ke topik serius — bahkan si beruang pun butuh skor kredit bagus buat pinjam madu dari bank!\n\n"
-                "Profil kamu: PD **" + str(round(pd_pct,1)) + "%** — " +
-                ('udah bagus banget nih!' if pd_pct < 20 else 'masih ada yang bisa diperbaiki.') +
-                " Ada yang mau ditanyain soal kredit atau bisnis?",
-                "Haha, fair enough! 😄 But back to business — even a bear needs good credit to borrow honey from the bank!\n\n"
-                "Your profile: PD **" + str(round(pd_pct,1)) + "%** — " +
-                ('already looking great!' if pd_pct < 20 else 'some room to improve.') +
-                " Anything credit or business related?",
-                "Haha, theek hai! 😄 Lekin credit ki baat karein — bhaaloo ko bhi bank se madhu udhaarne ke liye achha score chahiye!\n\n"
-                "Aapka PD **" + str(round(pd_pct,1)) + "%** — " +
-                ('pehle se badhiya!' if pd_pct < 20 else 'kuch sudhaar ho sakta hai.') +
-                " Kuch aur poochna hai?"
-            )
-
-        # ⑪ 6-month action plan
-        elif any(w in low for w in ['6 bulan','rencana','plan','action plan','ke depan',
-                                     'persiapan','apply lagi','sebelum apply']):
-            rec_items = []
-            if not npwp:
-                rec_items.append(_t(
-                    "**Bulan 1**: Urus NPWP di pajak.go.id (gratis, 1-3 hari)",
-                    "**Month 1**: Register NPWP at pajak.go.id (free, 1-3 days)",
-                    "**Maah 1**: NPWP register karein pajak.go.id par"
-                ))
-            if dig < 60:
-                rec_items.append(_t(
-                    "**Bulan 1-2**: Aktifkan Google Business + daftar marketplace",
-                    "**Month 1-2**: Activate Google Business + register on marketplace",
-                    "**Maah 1-2**: Google Business activate + marketplace register karein"
-                ))
-            if cf < 15e6:
-                rec_items.append(_t(
-                    "**Bulan 2-4**: Pisah rekening bisnis, dokumentasi semua pemasukan",
-                    "**Month 2-4**: Separate business account, document all income",
-                    "**Maah 2-4**: Vyapaar khaata alag karein, sabhi aay document karein"
-                ))
-            rec_items.append(_t(
-                "**Bulan 5-6**: Simulasikan ulang di What-If, ajukan kredit jika PD < 20%",
-                "**Month 5-6**: Re-simulate in What-If, apply when PD < 20%",
-                "**Maah 5-6**: What-If mein re-simulate karein, PD < 20% ho tab apply karein"
-            ))
-            response = _t(
-                "Action plan 6 bulan buat kamu (PD sekarang **" + str(round(pd_pct,1)) + "%**):\n\n",
-                "6-month action plan (current PD **" + str(round(pd_pct,1)) + "%**):\n\n",
-                "6 maah ka plan (abhi PD **" + str(round(pd_pct,1)) + "%**):\n\n"
-            ) + '\n'.join(rec_items[:4])
-
         # ⑫ Generic fallback
         else:
             top_issue = _get_top_issue(raw_input, pd_pct, lang)