public function angsuranCreate(): void
{
    $loanId = (int)($_GET['loan_id'] ?? 0);
    $loan = $this->findLoanAny($loanId);

    if (!$loan) {
        flash_set('msg', 'Pinjaman tidak ditemukan.', 'warning');
        redirect('/pinjaman/angsuran');
    }

    // ==========================================================
    // installments
    // ==========================================================
    $installments = [];
    try {
        if ($this->model && method_exists($this->model, 'listInstallments')) {
            $installments = $this->model->listInstallments($loanId);
        } elseif ($this->m && method_exists($this->m, 'listInstallments')) {
            $installments = $this->m->listInstallments($loanId);
        } else {
            // fallback query
            $st = db()->prepare("
                SELECT *
                FROM loan_installments
                WHERE loan_id=?
                ORDER BY pay_date ASC, id ASC
            ");
            $st->execute([$loanId]);
            $installments = $st->fetchAll() ?: [];
        }
    } catch (Throwable $e) {
        $installments = [];
    }

    // ==========================================================
    // [ADDED] ambil akun COA (KeuanganModel / JurnalModel)
    // ==========================================================
    $accounts = [];
    try {
        if (class_exists('KeuanganModel')) {
            $keu = new KeuanganModel();
            if (method_exists($keu, 'getAccounts')) {
                $accounts = $keu->getAccounts();
            }
        }
        if (empty($accounts) && class_exists('JurnalModel')) {
            $jm = new JurnalModel();
            if (method_exists($jm, 'listAccounts')) {
                $accounts = $jm->listAccounts();
            }
        }
    } catch (Throwable $e) {}

    // ==========================================================
    // akun kas / bank (legacy + baru)
    // ==========================================================
    $cashAccounts = $this->getCashBankAccountsAny();

    // outstanding info
    $outstanding = $this->getOutstandingPrincipal($loan);

    // pilih view
    $view = 'pinjaman/angsuran_create';
    if ($this->model && is_file(APP_PATH . '/views/pinjaman/angsuran_form.php')) {
        $view = 'pinjaman/angsuran_form';
    }

    // ==========================================================
    // render
    // ==========================================================
    $this->render($view, [
        'title' => 'Bayar Angsuran',

        // data utama
        'loan' => $loan,
        'installments' => $installments,
        'outstanding' => $outstanding,

        // ======================================================
        // [ADDED] COA + default account
        // ======================================================
        'accounts' => $accounts,
        'defaultPayAccountId' => default_cash_account_id(),
        'defaultCashId' => default_cash_account_id(),
        'defaultBankId' => default_bank_account_id(),

        // ======================================================
        // legacy & new key (tidak dihapus)
        // ======================================================
        'cash_accounts' => $cashAccounts,
        'cashAccounts' => $cashAccounts,

        // form default
        'form' => [
            'pay_date' => date('Y-m-d'),
            'amount_principal' => '',
            'amount_interest' => '',
            'amount_total' => '',
            'auto_split' => 1,
            'cash_account_id' => $cashAccounts[0]['id'] ?? '',
            'note' => ''
        ]
    ]);
}
<br />
<b>Fatal error</b>:  Uncaught PDOException: SQLSTATE[08004] [1040] Too many connections in /home/edigital/applikasiupdate.simkopmer3.e-digital.id/config/database.php:40
Stack trace:
#0 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/config/database.php(40): PDO-&gt;__construct()
#1 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/app/controllers/AuthController.php(25): db()
#2 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/app/routes/web.php(234): AuthController-&gt;__construct()
#3 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/app/routes/web.php(72): {closure}()
#4 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/app/routes/web.php(947): Router-&gt;dispatch()
#5 /home/edigital/applikasiupdate.simkopmer3.e-digital.id/index.php(225): require_once('/home/edigital/...')
#6 {main}
  thrown in <b>/home/edigital/applikasiupdate.simkopmer3.e-digital.id/config/database.php</b> on line <b>40</b><br />