Cash Flow Ramalan Ejen

import pandas as pd
from datetime import datetime

def forecast_cash_flow(historical, months=12):
    avg_inflow = historical['inflow'].mean()
    avg_outflow = historical['outflow'].mean()
    net = avg_inflow - avg_outflow
    forecast = []
    for m in range(1, months + 1):
        forecast.append({'month': m, 'net': net * (1 + 0.02 * m)})
    return forecast

def identify_shortfall(forecast, threshold=0):
    return [f for f in forecast if f['net'] < threshold]