HARGA EMAS

Harga Emas/grm
Jumlah Gram
Total Harga

340,000
100 grm
34,000,000

GADAI BRI
Nilai Taksir Bank
Maximum Gadai
Nilai Gadai (Pinjaman)
Uang Investasi (Uang Sendiri)

329,650
93%
30,657,450
9.83%

BIAYA TITIP
Biaya Titip/grm/bulan

3,900

Total Biaya Titip/bulan

390,000

Rasio Biaya Titip Terhadap Harga Emas

1.15%

3,342,550

ANALISA INVESTASI
Asumsi Kenaikan Emas/Tahun

20%

Harga EMAS Saat Ini

34,000,000

Asumsi Harga Emas 1 Tahun Kemudian

40,800,000

Selisih Harga Emas

6,800,000

Biaya Titip Selama 1 Tahun

4,680,000

Selisih Harga Emas - Biaya Titip (d-e)

2,120,000

Uang Sendiri Yg Di Investasikan Emas

3,342,550

Rasio Selisih Bersih Dgn Uang Sendiri

63.42%

f/g * 100%

Harga EMAS/grm
Jumlah EMAS
Total Harga EMAS
Nilai Taksir EMAS BRI

340,000
100
34,000,000
329,650

grm

Maksimum Gadai
Biaya Titip Per-Bulan/Gram
Total Biaya Titip/Bulan
Total Biaya Titip/Tahun
Nilai Gadai (Pinjaman)
Uang Sendiri
37,400,000
38,080,000
38,760,000
39,440,000
40,120,000
40,800,000

93%

90%

3,900
390,000
4,680,000

3,750
375,000
4,500,000

30,657,450
3,342,550

29,668,500
4,331,500

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

Kenaikan Harga EMAS

10%
12%
14%
16%
18%
20%

Selisih Bersih
(Kurangi Biaya Titip)
Per Kenaikan Harga EMAS

10%
12%
14%
16%
18%
20%

(1,280,000)
(600,000)
80,000
760,000
1,440,000
2,120,000

(1,100,000)
(420,000)
260,000
940,000
1,620,000
2,300,000

Rasio Selisih Bersih

Dgn Uang Sendiri
Per Kenaikan Harga EMAS

10%
12%
14%
16%
18%
20%

-38.29%
-17.95%
2.39%
22.74%
43.08%
63.42%

-25.40%
-9.70%
6.00%
21.70%
37.40%
53.10%

85%

80%

75%

70%

65%

60%

3,550
355,000
4,260,000

3,350
335,000
4,020,000

3,150
315,000
3,780,000

2,900
290,000
3,480,000

2,700
270,000
3,240,000

2,500
250,000
3,000,000

28,020,250
5,979,750

26,372,000
7,628,000

24,723,750
9,276,250

23,075,500
10,924,500

21,427,250
12,572,750

19,779,000
14,221,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

(860,000)
(180,000)
500,000
1,180,000
1,860,000
2,540,000

(620,000)
60,000
740,000
1,420,000
2,100,000
2,780,000

(380,000)
300,000
980,000
1,660,000
2,340,000
3,020,000

(80,000)
600,000
1,280,000
1,960,000
2,640,000
3,320,000

160,000
840,000
1,520,000
2,200,000
2,880,000
3,560,000

400,000
1,080,000
1,760,000
2,440,000
3,120,000
3,800,000

-14.38%
-3.01%
8.36%
19.73%
31.10%
42.48%

-8.13%
0.79%
9.70%
18.62%
27.53%
36.44%

-4.10%
3.23%
10.56%
17.90%
25.23%
32.56%

-0.73%
5.49%
11.72%
17.94%
24.17%
30.39%

1.27%
6.68%
12.09%
17.50%
22.91%
28.32%

2.81%
7.59%
12.38%
17.16%
21.94%
26.72%

55%

50%

2,300
230,000
2,760,000

2,100
210,000
2,520,000

18,130,750
15,869,250

16,482,500
17,517,500

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

3,400,000
4,080,000
4,760,000
5,440,000
6,120,000
6,800,000

640,000
1,320,000
2,000,000
2,680,000
3,360,000
4,040,000

880,000
1,560,000
2,240,000
2,920,000
3,600,000
4,280,000

4.03%
8.32%
12.60%
16.89%
21.17%
25.46%

5.02%
8.91%
12.79%
16.67%
20.55%
24.43%

93%
90%
85%
80%
75%
70%
65%
60%
55%
50%

3,900
3,750
3,550
3,350
3,150
2,900
2,700
2,500
2,300
2,100

Untuk Merubah Parameter Biaya Titip Copy kan Salah Satu Tabel di Kanan Ke Kiri