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Biaya Pembangunan Karet Tahun ke-0 (P0) per Ha

NO.
A.

B.

C.

D.

Uraian
Tenaga Kerja
Pembersihana lahan
Pengolahan lahan
Mengajir/melubang
Pengendalian hama penyakit
Pemupukan dasar
Penanaman
Penyiangan
Pemupukan
Bahan-bahan
Herbisida
Biofungsida
Bibit
Rockphosphate
Bahan bakar pompa air
Peralatan
Handsprayer
Mesin pompa air + selang
Kontingensi (10%)
Total

Rotasi
Setahun

Harga/Satuan
(Rp/satuan)

Norma

Satuan

64
4
4
20
4
2
15
10
5

HOK
HOK
HOK
HOK
HOK
HOK
HOK
HOK

30,000.00
30,000.00
30,000.00
30,000.00
30,000.00
30,000.00
30,000.00
30,000.00

5
25
575
100
10

Liter
kg
batang
Kg
Liter

40,000.00
10,000.00
2,500.00
1,500.00
4,200.00

0.5
0.5

Unit
Unit

496
7,500
3,720,000
ENTRES

250,000.00
3,000,000.00

20

8000
16

Total Biaya
(Rp/th)
1,920,000
120,000.00
120,000.00
600,000.00
120,000.00
60,000.00
450,000.00
300,000.00
150,000.00
2,079,500.00
200,000.00
250,000.00
1,437,500.00
150,000.00
42,000.00
1,625,000.00
125,000.00
1,500,000.00
562,450.00
6,186,950.00

10000

25
25

128000
29.0625

4
12500 BB
50000

74.4

5
75
15 HA/TH

Biaya Pemeliharaan Tahun ke-1 (P1)


NO.
A.

B.

C.

Uraian
Tenaga kerja
Pemupukan
Pengendalian hama penyakit
Penyiangan
Bahan-bahan
Pupuk SP-36
Urea
KCl
Kieserit
Fungisida/biopestisida
Insektisida
Kontingensi (10%)
Total

Harga/Satuan
(Rp/satuan)

Norma

Satuan

26
16
4
6

HOK
HOK
HOK

30,000.00
30,000.00
30,000.00

100
75
25
38
10
5

kg
kg
kg
kg
kg
kg

2,000.00
1,400.00
2,900.00
2,900.00
10,000.00
15,000.00

Total Biaya
(Rp/th)
780,000.00
480,000.00
120,000.00
180,000.00
662,700.00
200,000.00
105,000.00
72,500.00
110,200.00
100,000.00
75,000.00
144,270.00
1,586,970.00

377,500.00

1442700

Biaya Pemeliharaan Tahun ke-2 (P2)


NO.
A.

Uraian

Tenaga kerja
Pemupukan
Pengendalian hama penyakit
Penyiangan
B. Bahan-bahan
Pupuk SP-36
Urea
KCl
Kieserit
Fungisida/biopestisida
Insektisida
C. Kontingensi (10%)
Total

Harga/Satuan
(Rp/satuan)

Norma

Satuan

15
4
5
6

HOK
HOK
HOK

30,000.00
30,000.00
30,000.00

100
75
40
50
10
5

kg
kg
kg
kg
kg
kg

2,000.00
1,400.00
2,900.00
2,900.00
10,000.00
15,000.00

Total Biaya
(Rp/th)
450,000.00
120,000.00
150,000.00
180,000.00
741,000.00
200,000.00
105,000.00
116,000.00
145,000.00
100,000.00
75,000.00
119,100.00
1,310,100.00

Biaya Pemeliharaan Tahun ke-3 (P3)


NO.
A.

B.

C.

Uraian
Tenaga kerja
Pemupukan
Pengendalian hama penyakit
Penyiangan
Bahan-bahan
Pupuk SP-36
Urea
KCl
Kieserit
Fungisida/biopestisida
Insektisida
Herbisida
Kontingensi (10%)
Total

Harga/Satuan
(Rp/satuan)

Norma

Satuan

21
10
8
3

HOK
HOK
HOK

30,000.00
30,000.00
30,000.00

100
90
40
95
10
5
3

kg
kg
kg
kg
kg
kg
liter

2,000.00
1,400.00
2,900.00
2,900.00
10,000.00
15,000.00
40,000.00

Total Biaya
(Rp/th)
540,000.00
300,000.00
240,000.00
90,000.00
892,500.00
200,000.00
126,000.00
116,000.00
275,500.00
100,000.00
75,000.00
120,000.00
143,250.00
1,575,750.00

Biaya Pemeliharaan Tahun ke-4 (P4)


NO.
A.

B.

C.

Uraian
Tenaga kerja
Penyiangan
Pemupukan
Pengendalian hama penyakit
Bahan-bahan
Pupuk SP-36
Urea
KCl
Kieserit
Fungisida/biopestisida
Herbisida
Insektisida
Kontingensi
Total

Harga/Satuan
(Rp/satuan)

Norma

Satuan

10
3
4
3

HOK
HOK
HOK

30,000.00
30,000.00
30,000.00

100
100
50
45
10
3
5

kg
kg
kg
kg
kg
liter
kg

2,000.00
1,400.00
2,900.00
2,900.00
10,000.00
40,000.00
15,000.00

Total Biaya
(Rp/th)
300,000.00
90,000.00
120,000.00
90,000.00
910,500.00
200,000.00
140,000.00
145,000.00
130,500.00
100,000.00
120,000.00
75,000.00
121,050.00
1,331,550.00

Biaya Pemeliharaan Tanaman Karet menghasilkan tahun 5 per Ha (P5)


Harga/Satuan Total Biaya
NO.
Uraian
Norma
Satuan
(Rp/satuan)
(Rp/th)
360,000.00
A. Tenaga kerja
16
30,000.00
120,000.00
Penyiangan
4
HOK
Pemupukan
5
HOK
30,000.00
150,000.00
Pengendalian hama penyakit
4
HOK
30,000.00
120,000.00
Persiapan penyadapan
3
HOK
30,000.00
90,000.00
B. Bahan-bahan
800,500.00
Pupuk SP-36
100
kg
2,000.00
200,000.00
Urea
125
kg
1,400.00
175,000.00
KCl
50
kg
2,900.00
145,000.00
Kieserit
45
kg
2,900.00
130,500.00
Fungisida/biopestisida
5
kg
10,000.00
50,000.00
Formid acid
5
liter
20,000.00
100,000.00
C. Peralatan
1,024,600.00
Mangkok Lateks
500
unit
1,000
500,000.00
Talang Sadap
500
unit
750
375,000.00
Kawat Hanger
4
kg
150
600.00
Tali Palstik
250 meter
150
37,500.00
Ember Pungut 20 liter
1
unit
10,000
10,000.00
Ember Setoran Down Ward 40 liter
1
unit
15,000
15,000.00
Pisau Sadap Tarik
1
unit
25,000
25,000.00
Batu Asahan
1
unit
1,500
1,500.00
Bak Pembeku
3
unit
20,000
60,000.00
D. Kontingensi (10%)
218,510.00
Total
2,403,610.00

Biaya Pemeliharaan dan Panen Tanaman Karet menghasilkan tahun 6 per Ha (P6)
Harga/Satuan
Total Biaya
Uraian
Norma
Satuan
(Rp/satuan)
(Rp/th)
4,800,000.00
A. Tenaga kerja
160
4
HOK
30,000.00
120,000.00
Pengendalian gulma
Pemupukan
4
HOK
30,000.00
120,000.00
Pengendalian hama penyakit
2
HOK
30,000.00
60,000.00
Penyadapan
150
HOK
30,000.00 4,500,000.00
B. Bahan-bahan
850,500.00
Pupuk SP-36
100
kg
2,000.00
200,000.00
Urea
125
kg
1,400.00
175,000.00
KCl
50
kg
2,900.00
145,000.00
Kieserit
45
kg
2,900.00
130,500.00
Formid acid
10
liter
20,000.00
200,000.00
D. Kontingensi (10%)
565,050.00
Total
6,215,550.00

Tabel: Analisis Finansial usahatani karet per hektar


Satuan
No. Komponen biaya dan manfaat
I.

Biaya Investasi
A. Tanaman
1. Tenaga Kerja
Land clearing
Mengajir/melubang
Pengendalian hama penyakit
Penanaman
Penyiangan
Pemupukan
Persiapan sada/penyadapan
2. Bahan
Herbisida
Fungisida/Biofungsida
Bibit
Rockphosphate
Isektisida
Pupuk SP36
Urea
KCl
Kieserit
Formid acid
3. Peralatan
Handsprayer
Mangkok Lateks
Talang Sadap
Kawat Hanger
Tali Palstik
Ember Pungut 20 liter
Ember Setoran Down Ward 40 liter
Pisau Sadap Tarik
Batu Asahan
Bak Pembeku

Nilai
0

HOK
HOK
HOK
HOK
HOK
HOK
HOK

30,000
30,000
30,000
30,000
30,000
30,000
30,000

liter
kg
batang
kg
kg
kg
kg
kg
kg
liter

40,000
10,000
2,500
1,500
15,000
2,000
1,400
2,900
2,900
20,000

5
25
575
100

unit
unit
unit
kg
meter
unit
unit
unit
unit
unit

250,000
1,000
750
150
150
10,000
15,000
25,000
1,500
20,000

0.5

B. Non Tanaman
1. Bangunan
2. Jalan
3. Jembatan
4. Sertifikasi lahan
II. Biaya Operasional
1. Tenaga Kerja
Penyiangan
Pemupukan
Penyadapan
2. Bahan
Pupuk SP36
Urea
KCl
Kieserit

64
8
20
4
15
10
7

30,000
30,000
30,000
2,000
1,400
2,900
2,900

26

15

21

10

16

6
16

6
4

3
10

3
4

4
5
3

10

10

3
10

3
10

5
100
75
25
38

5
100
75
40
50

5
100
90
40
95

5
100
100
50
45

100
125
50
45
5

500
500
4
250
1
1
1
1
3

Formid acid
3. Biaya kotingensi (10%)

Produksi

20,000

1,642

10

11

12

1
1
1

1
1
1

13

14

15

16

17

1
1
1

1
1
1

500
500
4
250
1
1
1

1
1
1

1
1
1

18

19

20

21

1
1
1

1
1
1

500
500
4
250
1
1
1

1
1
1

160

2
4
4
150

100
125
50
45
10

1
1
1

1
1
1

1
1
1

1
1
1

500
500
4
250
1
1
1

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

2,552 3,524 3,596 3,641 3,925 4,305 4,819 3,808 3,808 3,808 3,808 3,808 3,357 3,357 3,357 3,357

22

23

24

25

312
52

1
1
1

1
1
1

1
1
1

1
1
1

158
4
4
150

158
4
4
150

158
4
4
150

158
4
4
150

100
125
50
45

100
125
50
45

100
125
50
45

100
125
50
45

3002

280,800
1,123,200,000
18,720,000

20 klp = mandor
3 pengurus
500000
3 pengawas

10

10

10

10

3,357 3,357 3,357 3,158

Analisis Kelayakan Finansial Investasi Usahatani Karet per 1 ha


55,060,000

No. Komponen biaya dan manfaat


I.

Biaya Pra Investasi


A. Block design

II.

Biaya Investasi
A. Tanaman
1. Tenaga Kerja
2. Bahan
3. Peralatan
4. Kontingensi

III.
IV.

V.
VI.

B. Non Tanaman
1. Bangunan
2. Jalan & jembatan
Biaya Investasi Total
C. Management Fee (5%)
D.. Premi Asuransi (1,5%)
Biaya Investasi Bersih
Biaya Operasional
1. Tenaga Kerja
2. Bahan
3. Peralatan
4. Pembayaran pinjaman
5. Management fee (5%)
Biaya Total (III+IV)

1
61,178
61,178

6,186,950
1,920,000
2,079,500
1,625,000
562,450

2
0

3
0

4
0

5
0

1,586,970 1,310,100 1,575,750 1,331,550


780,000
450,000
540,000
300,000
662,700
741,000
892,500
910,500
144,270
119,100
143,250
121,050

6
0

2,403,610
360,000
800,500
1,024,600
218,510

NPV (df 15%)


IRR
PP (tahun)
ROI
Gross B/C
Net B/C

8
0

9
0

10
0

913,100

913,100

100,000
100,000
6,248,128 1,586,970 1,310,100 1,575,750 1,331,550
312,406
79,349
65,505
78,788
66,578
93,722
23,805
19,652
23,636
19,973
6,654,256 1,690,123 1,395,257 1,678,174 1,418,101
0

6,654,256

1,690,123

1,395,257

1,678,174

1,418,101

2,503,610
125,181
37,554
2,666,345

-6,654,256 -1,690,123 -1,395,257 -1,678,174 -1,418,101


1.0000
0.8696
0.7561
0.6575
0.5718
6,654,256
7,319,682
Rp25,403,851
28.70%

0.96
0.96

1,469,672
2,253,133

1,055,014
1,356,440

1,103,426
1,331,720

810,804
1,007,686

913,100

913,100

0 10,925,633 10,965,107 11,026,281 10,772,455 #########


4,800,000
4,800,000
4,800,000 4,800,000 4,800,000
850,500
850,500
850,500
850,500
850,500
50,000
50,000
50,000
50,000
50,000
4,650,433
4,371,407
4,092,381 3,813,355 3,534,329
574,700
893,200
1,233,400 1,258,600 1,274,350
2,666,345 10,925,633 10,965,107 11,026,281 10,772,455 #########

Penerimaan
Produksi (slab KKK 45%)
Harga (Rp/kg)

VII. Pendapatan (VI-V)


df = 15%
PVB
PVC
PVCI

7
0

-2,666,345
0.4972
1,325,645
1,545,834

11,494,000
1,642
7,000

17,864,000
2,552
7,000

24,668,000 25,172,000 25,487,000


3,524
3,596
3,641
7,000
7,000
7,000

568,367
0.4323
245,721
4,723,453

6,898,893
0.3759
2,593,549
4,122,190

13,641,719 14,399,545 14,064,721


0.3269
0.2843
0.2472
4,459,502 4,093,249 3,476,584
3,604,511 3,062,204 2,823,413

15,502,255
280024.262
310045.096 158276.727 140299.32
14,394,930
1439493
1439493

Tahun
12

11
0

13
0

14
0

15
0

16
0

913,100

17
0

18
0

19
0

20
0

913,100

21
0

913,100

22
0

23
0

24
0

25
0

913,100

913,100

913,100

913,100

913,100

######### ######### ######## 9,451,525 9,172,499 7,033,300 7,033,300 7,033,300 6,875,450 6,875,450 6,875,450 6,875,450 6,875,450 6,875,450 6,875,450
4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000 4,800,000
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
850,500
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
3,255,303 2,976,277 2,697,251 2,418,225 2,139,199
1,373,750 1,506,750 1,686,650 1,332,800 1,332,800 1,332,800 1,332,800 1,332,800 1,174,950 1,174,950 1,174,950 1,174,950 1,174,950 1,174,950 1,174,950
######### ######### ######## 9,451,525 ######## 7,033,300 7,033,300 7,033,300 6,875,450 7,788,550 6,875,450 6,875,450 6,875,450 6,875,450 6,875,450
27,475,000 30,135,000 ######## 26,656,000 ######## 26,656,000 26,656,000 26,656,000 23,499,000 23,499,000 23,499,000 ######## 23,499,000 23,499,000 ########
3,925
4,305
4,819
3,808
3,808
3,808
3,808
3,808
3,357
3,357
3,357
3,357
3,357
3,357
3,357
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
17,145,447 19,951,473 ######## 17,204,475 ######## 19,622,700 19,622,700 19,622,700 16,623,550 15,710,450 16,623,550 ######## 16,623,550 16,623,550 ########
0.2149
0.1869
0.1625
0.1413
0.1229
0.1069
0.0929
0.0808
0.0703
0.0611
0.0531
0.0462
0.0402
0.0349
0.0304
3,685,298 3,729,073 3,843,558 2,431,485 2,036,411 2,096,975 1,823,457 1,585,615 1,168,059
959,913
883,220
768,018
667,842
580,732
504,984
2,220,267 1,903,374 1,638,997 1,335,771 1,239,465
751,612
653,576
568,327
483,106
475,883
365,297
317,650
276,217
240,189
208,860

18,241,555

96,000,000
17,010,000
1,000,000
33,948,159
24,690,050
190,889,764
24,690,050
3,527
294 19.5952778
11,650,432 302,911,236 318,413,491
0
1,712
41,633,246 41,633,246
43,433,177
14,814,496

63%

Laporan Rugi Laba


No.

Komponen

1.

PENERIMAAN
a. Penjualan karet
b. Penjualan padi
c. Penjualan jagung
PENGELUARAN
a. Tenaga kerja
b. Bahan
c. Peralatan sadap
d. Manajemen fee
e. Budidaya padi dan jagung
KEUNTUNGAN USAHA BRUTO
PENYUSUTAN
KOMPONEN BUNGA PINJAMAN
KEUNTUNGAN USAHA

2.

3.
4.
5.
7.

0
-

701,598
-701,598

1
9,400,000
3,400,000
6,000,000
2,785,000
2,785,000
6,615,000
701,598
5,913,402

2
6,000,000
-

4
-

5
-

6,000,000
1,760,000
1,760,000
4,240,000
701,598 701,598 701,598 701,598
3,538,402
-701,598 -701,598 -701,598

6
7
8
9
10
11,494,000 17,864,000 24,668,000 25,172,000 25,487,000
11,494,000 17,864,000 24,668,000 25,172,000 25,487,000

6,275,200
4,800,000
850,500
50,000
574,700

6,593,700
4,800,000
850,500
50,000
893,200

6,933,900
4,800,000
850,500
50,000
1,233,400

6,959,100
4,800,000
850,500
50,000
1,258,600

6,974,850
4,800,000
850,500
50,000
1,274,350

5,218,800 11,270,300 17,734,100 18,212,900 18,512,150


701,598
701,598
701,598
701,598
701,598
2,790,260
2,511,234
2,232,208
1,953,182
1,674,156
1,726,942
8,057,468 14,800,294 15,558,120 16,136,396

Tahun ke11
12
13
14
15
16
17
18
19
20
21
22
23
24
27,475,000 30,135,000 33,733,000 26,656,000 26,656,000 26,656,000 26,656,000 26,656,000 23,499,000 23,499,000 23,499,000 23,499,000 23,499,000 23,499,000
27,475,000 30,135,000 33,733,000 26,656,000 26,656,000 26,656,000 26,656,000 26,656,000 23,499,000 23,499,000 23,499,000 23,499,000 23,499,000 23,499,000

7,074,250
4,800,000
850,500
50,000
1,373,750

7,207,250
4,800,000
850,500
50,000
1,506,750

7,387,150
4,800,000
850,500
50,000
1,686,650

7,033,300
4,800,000
850,500
50,000
1,332,800

7,033,300
4,800,000
850,500
50,000
1,332,800

7,033,300
4,800,000
850,500
50,000
1,332,800

7,033,300
4,800,000
850,500
50,000
1,332,800

7,033,300
4,800,000
850,500
50,000
1,332,800

6,875,450
4,800,000
850,500
50,000
1,174,950

6,875,450
4,800,000
850,500
50,000
1,174,950

6,875,450
4,800,000
850,500
50,000
1,174,950

6,875,450
4,800,000
850,500
50,000
1,174,950

6,875,450
4,800,000
850,500
50,000
1,174,950

6,875,450
4,800,000
850,500
50,000
1,174,950

20,400,750 22,927,750 26,345,850 19,622,700 19,622,700 19,622,700 19,622,700 19,622,700 16,623,550 16,623,550 16,623,550 16,623,550 16,623,550 16,623,550
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
701,598
1,395,130
1,116,104
837,078
558,052
279,026
18,304,022 21,110,048 24,807,174 18,363,050 18,642,076 18,921,102 18,921,102 18,921,102 15,921,952 15,921,952 15,921,952 15,921,952 15,921,952 15,921,952

25
23,499,000
23,499,000

6,875,450
4,800,000
850,500
50,000
1,174,950
16,623,550
701,598
15,921,952

Analisis Aliran Kas


No.

Komponen

A. Sumber Dana
1. Modal Sendiri/Pemerintah
2. Pinjaman
3. Keuntungan Usaha
4. Nilai Sisa aset
Total Sumber Dana
B. Penggunaan Dana
1. Investasi
2. Pembayaran bunga
3. Pelunasan pokok pinjaman
Total Penggunaan Dana
C. Saldo
D. Akumulasi

t
0

10

6,654,256
-701,598

1,690,123
5,913,402

1,395,257
3,538,402

1,678,174
-701,598

1,418,101
-701,598

2,666,345
-701,598 1,726,942 8,057,468 14,800,294 15,558,120 16,136,396

5,952,658

7,603,525

4,933,658

976,575

716,502

1,964,746 1,726,942 8,057,468 14,800,294 15,558,120 16,136,396

6,654,256

1,690,123

1,395,257

1,678,174

1,418,101

6,654,256
-701,598
-701,598

1,690,123
5,913,402
5,211,803

1,395,257
3,538,402
8,750,205

1,678,174
-701,598
8,048,607

1,418,101
-701,598
7,347,009

2,666,345

0
2,790,260
1,860,173
2,666,345 4,650,433
-701,598 -2,923,491
6,645,410 3,721,920

0
0
0
913,100
2,511,234 2,232,208 1,953,182 1,674,156
1,860,173 1,860,173 1,860,173 1,860,173
4,371,407 4,092,381 3,813,355 4,447,429
3,686,061 10,707,913 11,744,765 11,688,967
7,407,981 18,115,894 29,860,659 41,549,627

11

12

tahun ke13

14

15

16

17

18

19

20

21

22

23

24

18,304,022 21,110,048

24,807,174

18,363,050

18,642,076 18,921,102

18,921,102

18,921,102

15,921,952

15,921,952

15,921,952

15,921,952 15,921,952 15,921,952

18,304,022 21,110,048

24,807,174

18,363,050

18,642,076 18,921,102

18,921,102

18,921,102

15,921,952

15,921,952

15,921,952

15,921,952 15,921,952 15,921,952

0
0
1,395,130 1,116,104
1,860,173 1,860,173
3,255,303 2,976,277
15,048,719 18,133,771
56,598,346 74,732,116

0
0
913,100
0
0
0
0
913,100
0
0
0
0
837,078
558,052
279,026
1,860,173
1,860,173
1,860,173
2,697,251
2,418,225
3,052,299
0
0
0
0
913,100
0
0
0
0
22,109,923 15,944,825 15,589,777 18,921,102 18,921,102 18,921,102 15,921,952 15,008,852 15,921,952 15,921,952 15,921,952 15,921,952
96,842,039 112,786,864 128,376,641 147,297,743 166,218,844 185,139,946 201,061,898 216,070,749 231,992,701 247,914,653 263,836,605 279,758,556

25

15,921,952
15,921,952
0

0
15,921,952
295,680,508

Per ha
Tahun ke
Investasi
Bunga

0
6,654,256
10%
665,426

1
1,690,123
10%
169,012
731,968

2
1,395,257
10%
139,526
259,110

3
1,678,174
10%
167,817
179,389

4
1,418,101
10%
141,810
202,538

5
2,666,345
10%
266,634
176,245

7,319,682

2,591,104

1,793,893

2,025,380

1,762,449

3,109,224

1
2
18,601,731 16,741,558
4,650,433 4,371,407
2,790,260 2,511,234
1,860,173 1,860,173

3
14,881,385
4,092,381
2,232,208
1,860,173

4
13,021,212
3,813,355
1,953,182
1,860,173

Sisa pinjaman
Angsuran
Bunga
Pokok

1
2
18,601,731 14,881,385
6,510,606 5,952,554
2,790,260 2,232,208
3,720,346 3,720,346

3
11,161,039
5,394,502
1,674,156
3,720,346

4
7,440,692
4,836,450
1,116,104
3,720,346

5
3,720,346
4,278,398
558,052
3,720,346

Cash flow total


Sisa pinjaman
Angsuran
Bunga
Pokok

25,014,716 20,011,773
8,755,151 8,004,709
3,752,207 3,001,766
5,002,943 5,002,943

15,008,830
7,254,268
2,251,324
5,002,943

10,005,887
6,503,826
1,500,883
5,002,943

5,002,943
5,753,385
750,441
5,002,943

IDC
Total pinjaman

0.15
5
10
Sisa pinjaman
Angsuran
Bunga
Pokok

tahun tanam ke10


11
5
6
11,161,039 9,300,865
3,534,329 3,255,303
1,674,156 1,395,130
1,860,173 1,860,173

Total
Tahun
Investasi
Bunga

6
15,502,255
10%
1,550,225
1,549,251

1,690,123
10%
169,012
731,968

Total pinjaman

7,319,682

2,591,104

0.15
5
10
Sisa pinjaman
Angsuran
Bunga
Pokok

1
18,601,731
4,650,433
2,790,260
1,860,173

2
16,741,558
4,371,407
2,511,234
1,860,173

IDC

18,601,731
(tot. pinjaman
186,017

3,099,476
16.66

12

13

14

15

7
7,440,692
2,976,277
1,116,104
1,860,173

8
5,580,519
2,697,251
837,078
1,860,173

9
3,720,346
2,418,225
558,052
1,860,173

10
1,860,173
2,139,199
279,026
1,860,173

hun tanam ke-

837077893.1
13,951,298

6,654,256
10%
665,426

1,395,257
10%
139,526
259,110

1,678,174
10%
167,817
179,389

1,418,101
10%
141,810
202,538

1,793,893

2,025,380

1,762,449

3
14,881,385
4,092,381
2,232,208
1,860,173

4
13,021,212
3,813,355
1,953,182
1,860,173

5
11,161,039
3,534,329
1,674,156
1,860,173

2,666,345 15,502,255
10%
266,634 1,550,225
176,245 1,549,251 3,099,476
3,109,224 18,601,731

6
9,300,865
3,255,303
1,395,130
1,860,173

16.66%

7
8
9
10
7,440,692 5,580,519 3,720,346 1,860,173
2,976,277 2,697,251 2,418,225 2,139,199
1,116,104 837,078 558,052 279,026
1,860,173 1,860,173 1,860,173 1,860,173

Fee manajemen
Manejer
K afdelling
Mandor
Pengurus

1 3,000,000
3 2,000,000
9 750,000
6 500,000

3,000,000
6,000,000
6,750,000
3,000,000
0
0
0
0
0
0
0
0
0
18,750,000

12

225,000,000
250,000

900
1 sampel per ha

180

36,000,000

total per bulan


manajemen fee per ha per th
blok design
1 Jasa analisa
200,000
2 survey:
utama
250,000
pendamping
150,000
t. lokal
50,000
trasport
600,000
konsumsi
60,000
3 interpretasi data
4 jasa alat
2,000,000
5 peta
2,500,000

total biaya
biaya per ha

3
3
6
3
12
1 paket
1 paket

3
3
3
3
3

2,250,000
1,350,000
900,000
5,400,000
2,160,000
2,500,000
2,000,000
2,500,000

55,060,000
61,178

Analisis Aliran Kas


No.

Komponen

A. Sumber Dana
1. Modal Sendiri/Pemerintah
2. Pinjaman
3. Penerimaan karet
4. Penerimaan padi
5. Penerimaan jagung
6. Nilai Sisa aset
Total Sumber Dana
B. Penggunaan Dana
1. Investasi
2. Budidaya padi
3. Budidaya jagung
3. Pembayaran bunga
4. Pelunasan pokok pinjaman
5. Operasi
Total Penggunaan Dana
C. Saldo
D. Akumulasi

6,654,256

1,690,123

1,395,257

1,678,174

1,418,101

2,666,345

3,400,000
6,000,000

6,000,000

6,654,256 11,090,123

7,395,257

6,654,256

1,690,123
1,025,000
1,760,000

1,395,257

1,678,174
1,678,174

1,418,101
1,418,101

2,666,345
2,666,345

1,760,000

0
0
0
0
0
0
6,654,256 4,475,123 3,155,257 1,678,174 1,418,101 2,666,345
0 6,615,000 4,240,000
0
0
0
0 6,615,000 10,855,000 10,855,000 10,855,000 10,855,000

10

11

tahun ke13

12

11,494,000

17,864,000 24,668,000

25,172,000

25,487,000

27,475,000 30,135,000 33,733,000

11,494,000

17,864,000 24,668,000

25,172,000

25,487,000

27,475,000 30,135,000 33,733,000

913,100

2,790,260
2,511,234 2,232,208
1,953,182
1,674,156
1,395,130
1,116,104
837,078
1,860,173
1,860,173 1,860,173
1,860,173
1,860,173
1,860,173
1,860,173
1,860,173
6,275,200
6,593,700 6,933,900
6,959,100
6,974,850
7,074,250
7,207,250
7,387,150
10,925,633 10,965,107 11,026,281 10,772,455 11,422,279 10,329,553 10,183,527 10,084,401
568,367
6,898,893 13,641,719 14,399,545 14,064,721 17,145,447 19,951,473 23,648,599
11,423,367 18,322,260 31,963,980 46,363,525 60,428,246 77,573,693 97,525,166 121,173,765

ahun ke14

15

16

17

18

19

20

21

26,656,000

26,656,000

26,656,000

26,656,000

26,656,000

23,499,000

23,499,000

23,499,000

26,656,000

26,656,000

26,656,000

26,656,000

26,656,000

23,499,000

23,499,000

23,499,000

913,100

913,100

558,052
279,026
1,860,173
1,860,173
7,033,300
7,033,300
7,033,300
7,033,300
7,033,300
6,875,450
6,875,450
6,875,450
9,451,525 10,085,599
7,033,300
7,033,300
7,033,300
6,875,450
7,788,550
6,875,450
17,204,475 16,570,401 19,622,700 19,622,700 19,622,700 16,623,550 15,710,450 16,623,550
138,378,240 154,948,641 174,571,341 194,194,041 213,816,741 230,440,291 246,150,741 262,774,291

22

23

24

25

23,499,000

23,499,000

23,499,000

23,499,000

23,499,000

23,499,000

23,499,000

23,499,000

6,875,450
6,875,450
6,875,450
6,875,450
6,875,450
6,875,450
6,875,450
6,875,450
16,623,550 16,623,550 16,623,550 16,623,550
279,397,841 296,021,391 312,644,941 329,268,491

Analisis Finansial Pananaman baru Karet 1 ha


No.
I.

II.

Komponen biaya dan manfaat


Biaya Pra Investasi
A. Studi Kelayakan (1%)
B. Rancangan Detil (0,5%)
C. Sertifikasi lahan
Biaya Investasi
A. Tanaman
1. Tenaga Kerja
Land clearing
Mengajir/melubang
Pengendalian hama penyakit
Penanaman
Penyiangan
Pemupukan
Persiapan sadap/penyadapan
2. Bahan
Herbisida
Fungisida/Biofungisida
Bibit
Rockphosphate
Isektisida
Pupuk SP36
Urea
KCl
Kieserit
Formid acid
3. Peralatan
Handsprayer
Mangkok Lateks
Talang Sadap
Kawat Hanger

0
233,966
155,977
77,989

1
0

2
0
-

3
0
-

4
0
-

5
0
-

6
0
-

4,082,500 1,442,700 1,191,000 1,642,500 1,210,500 2,305,100


1,920,000
780,000
450,000
630,000
300,000
480,000
240,000
600,000
120,000
120,000
150,000
240,000
90,000
120,000
450,000
300,000
180,000
180,000
90,000
90,000
120,000
210,000
480,000
120,000
300,000
120,000
150,000
90,000
2,037,500
662,700
741,000 1,012,500
910,500
800,500
200,000
120,000
120,000
250,000
100,000
100,000
100,000
100,000
50,000
1,437,500
150,000
75,000
75,000
75,000
75,000
200,000
200,000
200,000
200,000
200,000
105,000
105,000
126,000
140,000
175,000
72,500
116,000
116,000
145,000
145,000
110,200
145,000
275,500
130,500
130,500
100,000
125,000
0
0
0
0
1,024,600
125,000
0
500,000
375,000
600

7
0
-

0
0
-

0
0

Tali Palstik
Ember Pungut 20 liter
Ember Setoran Down Ward 40 liter
Pisau Sadap Tarik
Batu Asahan
Bak Pembeku
B. Non Tanaman
1. Bangunan
2. Jalan
3. Jembatan

100,000
100,000
-

37,500
10,000
15,000
25,000
1,500
60,000
0

8
0

9
0
-

10
0
-

0
-

913,100

913,100
500,000
375,000
600

Tahun
13
0

12
0
-

11
0

0
-

913,100

913,100
500,000
375,000
600

17
0
-

16
0
-

15
0
-

14
0

18
0
-

0
-

0
-

0
-

37,500
0

37,500
0

19
0

20
0
-

21
0
-

22
0
-

23
0
-

24
0
-

Total (Rp)

25
0
-

913,100
-

0
-

913,100
500,000
375,000
600

0
-

0
-

0
-

0
0
-

0
-

0
-

0
-

2,037,500
0

37,500
0

No.
A.
B.
C.
D.
E.

Jenis biaya
Tenaga kerja
Bahan
Peralatan
Pembayaran pinjaman
Management fee
Total

Nilai investasi (Rp)


96,000,000
17,010,000
1,000,000
33,948,159
24,690,050
172,648,209

14,224,424
186,872,633

Prosentase (%)
55.60
9.85
0.58
19.66
14.30
100.00

Analisis Finansial Pananaman baru Karet 900 ha (Rp000)


No.

Komponen biaya dan manfaat

0
213,737
142,491
71,246
0

I.

Biaya Pra Investasi


A. Studi Kelayakan (1%)
B. Rancangan Detil (0,5%)
C. Sertifikasi lahan

II.

Biaya Investasi
A. Tanaman
3,674,250
1,728,000
1. Tenaga Kerja
Land clearing
216,000
Mengajir/melubang
540,000
Pengendalian hama penyakit
108,000
Penanaman
405,000
Penyiangan
270,000
Pemupukan
189,000
Persiapan sadap/penyadapan
0
2. Bahan
1,833,750
Herbisida
180,000
Fungisida/Biofungisida
225,000
Bibit
1,293,750
Rockphosphate
135,000
Isektisida
0
Pupuk SP36
0
Urea
0
KCl
0
Kieserit
0
Formid acid
0
3. Peralatan
112,500
Handsprayer
112,500
Mangkok Lateks
0
Talang Sadap
0
Kawat Hanger
0
Tali Palstik
0
Ember Pungut 20 liter
0
Ember Setoran Down Ward 40 liter
0
Pisau Sadap Tarik
0
Batu Asahan
0
Bak Pembeku
0
B. Non Tanaman
1. Bangunan
2. Jalan
3. Jembatan
Biaya Investasi Total
C. Biaya Kontingensi (10%)
Biaya Investasi Kotor
D. Manajemen Fee (5%)
E. Premi Asuransi (1,5%)
Biaya Investasi Bersih

90,000
90,000
0
0
3,977,987
397,799
4,375,786
218,789
65,637
4,441,423

1
0

2
0

1,298,430
702,000
0
0
108,000
0
162,000
432,000
0
596,430
0
90,000
0
0
67,500
180,000
94,500
65,250
99,180
0
0
0
0
0
0
0
0
0
0
0
0

3
0

1,071,900
405,000
0
0
135,000
0
162,000
108,000
0
666,900
0
90,000
0
0
67,500
180,000
94,500
104,400
130,500
0
0
0
0
0
0
0
0
0
0
0
0

4
0

1,478,250 1,089,450
567,000
270,000
0
0
0
0
216,000
81,000
0
0
81,000
81,000
270,000
108,000
0
0
911,250
819,450
108,000
108,000
90,000
90,000
0
0
0
0
67,500
67,500
180,000
180,000
113,400
126,000
104,400
130,500
247,950
117,450
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1,298,430
129,843
1,428,273
71,414
21,424
1,449,697

1,071,900
107,190
1,179,090
58,955
17,686
1,196,776

1,478,250
147,825
1,626,075
81,304
24,391
1,650,466

1,089,450
108,945
1,198,395
59,920
17,976
1,216,371

III. Biaya Operasional


A. Tenaga Kerja
Penyiangan
Pemupukan
Penyadapan
B. Bahan
Pupuk SP36
Urea
KCl
Kieserit
Formid acid
C. Peralatan
Ember Pungut 20 liter
Ember Setoran Down Ward 40 liter
Pisau Sadap Tarik
D. Pembayaran pinjaman
IV. Biaya Total (I+II+III)
V

4,441,423

1,449,697

1,196,776

-4,441,423

-1,449,697

-1,196,776

1,650,466

1,216,371

Penerimaan
Produksi
Harga

VI. Pendapatan (V-IV)

NPV (df 15%)


IRR
PP

Rp35,316,443
40.84%
6.95

-1,650,466 -1,216,371

5
0

6
0

2,074,590
432,000
0
0
108,000
0
108,000
135,000
81,000
720,450
0
45,000
0
0
0
180,000
157,500
130,500
117,450
90,000
922,140
0
450,000
337,500
540
33,750
9,000
13,500
22,500
1,350
54,000

7
0

0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

8
0

9
0

10
0

Tahun
12
0

11
0

821,790

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
450,000
337,500
540
33,750

0
0
0
0
0
0

0
0
0
0
0
0

0
0

0
0

0
0

0
0

0
0

0
0

2,074,590
207,459
2,282,049
114,102
34,231
2,316,280

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
821,790
0
0
821,790

0
0
0
0
0
0

0
0
0
0
0
0

8,424,000
4,212,000
108,000
54,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
40,500
8,100
12,150
20,250
4,650,433
2,316,280 8,424,000

9,726,883
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
4,371,407
9,726,883

9,447,857
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
4,092,381
9,447,857

9,168,831
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
3,813,355
9,168,831

8,889,805
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
3,534,329
9,711,595

8,610,779
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
3,255,303
8,610,779

8,331,753
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
2,976,277
8,331,753

10,344,600 16,077,600 22,201,200 22,654,800 22,938,300 24,727,500 27,121,500 30,359,700


1,478
2,297
3,172
3,236
3,277
3,533
3,875
4,337
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
8,028,320

7,653,600 12,474,317 13,206,943 13,769,469 15,015,905 18,510,721 22,027,947

12,271,013
122,710
206,662

142,491
155,977

Tahun
13
0

14
0

15
0

16
0

821,790

17
0

18
0

19
0

20
0

821,790

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
450,000
337,500
540
33,750

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
450,000
337,500
540
33,750

0
0

0
0

0
0

0
0

0
0

0
0

0
0

0
0

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
821,790
0
0
821,790

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

821,790
0
821,790
0
0
821,790

8,052,727
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
2,697,251
8,052,727

7,773,701
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
2,418,225
7,773,701

7,494,675
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500
2,139,199
8,316,465

7,215,649
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

7,215,649

5,076,450

5,076,450

5,076,450

5,898,240

23,990,400 23,990,400 23,990,400 23,990,400 23,990,400


3,427
3,427
3,427
3,427
3,427
7,000
7,000
7,000
7,000
7,000

21,149,100 21,149,100 21,149,100


3,021
3,021
3,021
7,000
7,000
7,000

15,937,673 16,216,699 15,673,935 16,774,751 18,913,950

16,072,650 16,072,650 15,250,860

21
0

22
0

23
0

24
0

25
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0

0
0

0
0

0
0

0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450
4,266,000
108,000
108,000
4,050,000
765,450
180,000
157,500
130,500
117,450
180,000
45,000
9,000
13,500
22,500

5,076,450

5,076,450

5,076,450

5,076,450

5,076,450 153,561,092

21,149,100 21,149,100 21,149,100 21,149,100 19,895,400


3,021
3,021
3,021
3,021
2,842
7,000
7,000
7,000
7,000
7,000
16,072,650 16,072,650 16,072,650 16,072,650 14,818,950

22,110,300

Kebutuhan biaya Tanaman Sela 1 ha


No.

Kegiatan

Volume

Padi Ladang
Harga Satuan

Jumlah

Jagung
Harga Satuan

Volume

Total
Jumlah

BIAYA USAHATANI
2

Sarana Produksi
- Benih
- Pupuk Urea
- Pupuk SP.36
- Pupuk KCl
- Pestisida
- Herbisida Pra Tumbuh
Total Sarana Produksi
Total Biaya Usahatani

30
150
100
50
2
4

4,000
1,400
2,000
2,900
75,000
50,000

120,000.00
210,000.00
200,000.00
145,000.00
150,000.00
200,000.00
1,025,000.00
1,025,000.00

20
300
200
100
2
2

20,000
1,400
2,000
2,900
75,000
50,000

400,000

520,000

420,000

630,000

400,000

600,000

290,000

435,000

150,000

300,000

100,000

300,000

1,760,000

2,785,000
2,785,000

1,760,000

Pinjaman Dana tahun ke-2=Kebutuhan dana tahun 2 - dana tahun 1


831000

No

Uraian/Kegiatan

A BIAYA USAHATANI
BIAYA USAHATANI KARET
1. Tenaga Kerja
Land clearing
Mengajir/melubang
Pengendalian hama penyakit
Penanaman
Penyiangan
Pemupukan
Persiapan sada/penyadapan
2. Bahan
Herbisida
Fungisida/Biofungsida
Bibit
Rockphosphate
Isektisida
Pupuk SP36
Urea
KCl
Kieserit
Formid acid
3. Peralatan
Total

0
0
120,000
0
180,000
480,000
0

0
0
150,000
0
180,000
120,000
0

0
0
240,000
0
90,000
300,000
0

200,000
0
250,000
100,000
1,437,500
0
150,000
0
0
75,000
0
200,000
0
105,000
0
72,500
0
110,200
0
0
125,000
0
4,082,500 1,442,700

0
100,000
0
0
75,000
200,000
105,000
116,000
145,000
0
0
1,191,000

120,000
100,000
0
0
75,000
200,000
126,000
116,000
275,500
0
0
1,642,500

Pembayaran kredit + bunga


Total Pengeluaran

0
0
4,082,500 1,442,700

0
1,191,000

0
1,642,500

0
0
0

0
0
0

0
0
0

-4,082,500 -1,442,700

-1,191,000

-1,642,500

PENERIMAAN
PRODUKSI KARET (Bokar)
HARGA
PENERIMAAN KARET
PENDAPATAN
PENDAPATAN

NPV (DF = 15%)


IRR

240,000
600,000
120,000
450,000
300,000
210,000
0

0
0
0

Rp32,017,397
35%

Tahun ke
4

10

11

0
0
90,000
0
90,000
120,000
0

0
0
120,000
0
120,000
150,000
90,000

0
0
60,000
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
0
0
0
0
0
0
0
0
120,000
120,000
120,000
120,000
120,000
120,000
4,500,000 4,500,000 4,500,000

0
0
0
0
120,000
120,000
4,500,000

120,000
100,000
0
0
75,000
200,000
140,000
145,000
130,500
0
0
1,210,500

0
50,000
0
0
0
200,000
175,000
145,000
130,500
100,000
1,024,600
2,305,100

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,650,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
200,000
200,000
200,000
175,000
175,000
175,000
145,000
145,000
145,000
130,500
130,500
130,500
200,000
200,000
200,000
0
0
0
5,590,500 5,590,500 5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
1,210,500

0 4,650,433
2,305,100 10,300,933

4,371,407
9,961,907

4,092,381 3,813,355 3,534,329


9,682,881 9,403,855 9,124,829

3,255,303
8,845,803

0
0
0

0
1,642
2,552
3,524
3,596
3,641
3,925
0
7,000
7,000
7,000
7,000
7,000
7,000
0 11,494,000 17,864,000 24,668,000 25,172,000 25,487,000 27,475,000

-1,210,500 -2,305,100

32

1,193,067

7,902,093 14,985,119 15,768,145 16,362,171 18,629,197

Tahun ke
12

13

14

15

16

17

18

19

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

2,976,277
8,566,777

2,697,251
8,287,751

2,418,225
8,008,725

2,139,199
7,729,699

0
5,590,500

0
5,590,500

0
5,590,500

0
5,590,500

4,305
4,819
3,808
3,808
3,808
3,808
3,808
3,357
7,000
7,000
7,000
7,000
7,000
7,000
7,000
7,000
30,135,000 33,733,000 26,656,000 26,656,000 26,656,000 26,656,000 26,656,000 23,499,000

21,568,223 25,445,249 18,647,275 18,926,301 21,065,500 21,065,500 21,065,500 17,908,500

20

21

22

23

24

25

0
0
0
0
0
0
0
0
120,000
120,000
120,000
120,000
4,500,000 4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
120,000
120,000
4,500,000

0
0
0
0
0
0
0
0
120,000
120,000
120,000
120,000
4,500,000 4,500,000

0
0
0
0
0
0
0
0
0
0
200,000
200,000
175,000
175,000
145,000
145,000
130,500
130,500
200,000
200,000
0
0
5,590,500 5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
200,000
175,000
145,000
130,500
200,000
0
5,590,500

0
0
0
0
0
0
0
0
0
0
200,000
200,000
175,000
175,000
145,000
145,000
130,500
130,500
200,000
200,000
0
0
5,590,500 5,590,500

0
0
5,590,500 5,590,500

0
5,590,500

0
5,590,500

0
0
5,590,500 5,590,500

3,357
3,357
3,357
3,357
3,357
3,357
7,000
7,000
7,000
7,000
7,000
7,000
23,499,000 23,499,000 23,499,000 23,499,000 23,499,000 23,499,000

17,908,500 17,908,500 17,908,500 17,908,500 17,908,500 17,908,500

33,948,159

No

Uraian/Kegiatan

A BIAYA PRA INVESTASI (Rp000)


1. Studi Kelayakan (1% dari investasi)
2. Rancangan Detil (0,5% dari investasi)
B. BIAYA INVESTASI (Rp000)
1. Tanaman
- Karet
2. Non Tanaman
- Bangunan
- Jalan
- Jembatan
- Sertifikat
Total Investasi (A + B)
Biaya cadangan (10%)
Total Investasi (A + B) + Cadangan
Biaya Bunga Investasi (IDC)
Total Invetasi bersih
Premi asuransi (1,5% dari A+B)
Total Biaya (B)
Angsuran
Total Biaya Proyek
Fee manajemen (5%)
C. PENERIMAAN (Rp000)
1. Karet
2. Tanaman Sela
Total Penerimaan
D. PENDAPATAN (Rp000)

NPV (Rp000) (df=15%)


IRR
ROI = laba setelah pajak/jmlh aktiva
PP =BT/PNR

244,791
122,396

3,674,250

1,298,430

1,071,900

1,478,250

30,000
0
0
0
4,071,437
407,144
4,478,581
0
0
4,478,581
216,041
4,694,622
0
4,694,622

0
0
0
0
1,298,430
129,843
1,428,273
447,858
0
1,876,131
216,041
2,092,172
0
2,092,172

0
0
0
0
1,071,900
107,190
1,179,090
142,827
447,858
1,769,775
216,041
1,985,817
0
1,985,817

0
0
0
0
1,478,250
147,825
1,626,075
117,909
142,827
1,886,811
216,041
2,102,853
0
2,102,853

0
0
0

#REF!
#REF!

#REF!
#REF!

0
0
0

-4,694,622

#REF!

#REF!

-2,102,853

#REF!
#VALUE!
#REF!
#REF!

Tahun ke
4

1,089,450

2,074,590

0
0
0
0
1,089,450
108,945
1,198,395
162,608
117,909
1,478,912
216,041
1,694,953
0
1,694,953

0
0
0
0
2,074,590
207,459
2,282,049
119,840
162,608
2,564,496
216,041
2,780,537
0
2,780,537

0
0
0
-1,694,953

10

0
0
0
0
0
0
0
228,205
119,840
348,044
216,041
564,086
0
564,086

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
216,041
216,041
8,755,151
8,971,192

0
216,041
216,041
8,004,709
8,220,750

0
216,041
216,041
7,254,268
7,470,309

0
216,041
216,041
6,503,826
6,719,867

0 10,344,600
0
0
0 10,344,600

16,077,600
0
16,077,600

22,201,200
0
22,201,200

22,654,800
0
22,654,800

22,938,300
0
22,938,300

9,780,514

15,861,559

21,985,159

22,438,759

22,722,259

14,402,750
144,028
221,531

15,915,039
159,150
244,791

-2,780,537

Tahun ke
11

12

13

14

15

16

17

30,000
0
0
0
30,000
3,000
33,000

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

33,000
216,041
249,041
5,753,385
6,002,426

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

24,727,500

27,121,500
0
27,121,500

30,359,700
0
30,359,700

24,478,459

27,121,500

30,359,700

24,727,500

23,990,400 23,990,400
0
0
23,990,400 23,990,400
23,990,400

23,990,400

23,990,400 23,990,400
0
0
23,990,400 23,990,400
23,990,400

23,990,400

18

19

20

21

22

23

24

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

23,990,400 21,149,100 21,149,100 21,149,100 21,149,100 21,149,100 21,149,100


0
0
0
0
0
0
0
23,990,400 21,149,100 21,149,100 21,149,100 21,149,100 21,149,100 21,149,100
23,990,400

21,149,100

21,149,100

21,149,100

21,149,100

21,149,100

21,149,100