kenaikan gaji

setiap tahun disesuaikan dengan tingkat inflasi

setiap tahun akan dinaikkan sebesar 5% dari tahun sebelumnya

tanya:
1. berapa Rp dana yang harus dikeluarkan oleh perusahaan selama 15 tahun ke depan?
2. jika uang tersebut harus disiapkan sekarang dengan disimpan di bank (4,15 % / tahun) berapa rupiah yang harus disediakan
3. kalau dideposit selama 3 bulanan dengan bunga tertentu,

rapa rupiah yang harus disediakan?

total yang harus ditabung di awal =

uang diambil tiap bulan

2013
f
0
1
2
3
4
5
6
7
8
9
10
11

2014
p
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
873,600,000
10,483,200,000
270,387,054,273

n
873,600,000
870,589,212
867,588,801
864,598,730
861,618,965
858,649,469
855,690,207
852,741,144
849,802,244
846,873,473
843,954,796
841,046,178
10,286,753,221

12
13
14
15
16
17
18
19
20
21
22
23

2014
f

2015
p

961,658,880
922,632,861
961,658,880
919,453,086
961,658,880
916,284,270
961,658,880
913,126,374
961,658,880
909,979,362
961,658,880
906,843,196
961,658,880
903,717,839
961,658,880
900,603,252
961,658,880
897,499,400
961,658,880
894,406,245
961,658,880
891,323,751
961,658,880
888,251,880
11,539,906,560 10,864,121,517

f
24
25
26
27
28
29
30
31
32
33
34
35

2016
p

1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
1,100,233,925
13,202,807,095

n
1,012,746,560
1,009,256,216
1,005,777,901
1,002,311,573
998,857,192
995,414,716
991,984,104
988,565,316
985,158,310
981,763,046
978,379,484
975,007,583
11,925,222,002

36
37
38
39
40
41
42
43
44
45
46
47

2016
f

2017
p

1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
1,223,900,218
14,686,802,613

n
1,080,860,459
1,077,135,366
1,073,423,111
1,069,723,650
1,066,036,939
1,062,362,934
1,058,701,591
1,055,052,867
1,051,416,717
1,047,793,099
1,044,181,970
1,040,583,286
12,727,271,990

f
48
49
50
51
52
53
54
55
56
57
58
59

2018
p

1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
1,391,207,377
16,694,488,530

n
1,178,754,495
1,174,692,019
1,170,643,543
1,166,609,020
1,162,588,402
1,158,581,641
1,154,588,688
1,150,609,497
1,146,644,020
1,142,692,209
1,138,754,018
1,134,829,400
13,879,986,952

60
61
62
63
64
65
66
67
68
69
70
71

2018
f

2019
p

1,588,063,221 1,290,943,248
1,588,063,221 1,286,494,122
1,588,063,221 1,282,060,330
1,588,063,221 1,277,641,819
1,588,063,221 1,273,238,536
1,588,063,221 1,268,850,428
1,588,063,221 1,264,477,443
1,588,063,221 1,260,119,530
1,588,063,221 1,255,776,636
1,588,063,221 1,251,448,709
1,588,063,221 1,247,135,698
1,588,063,221 1,242,837,552
19,056,758,657 15,201,024,051

f
72
73
74
75
76
77
78
79
80
81
82
83

2020
p

1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
1,800,546,080
21,606,552,965

n
1,404,272,773
1,399,433,067
1,394,610,040
1,389,803,636
1,385,013,797
1,380,240,465
1,375,483,584
1,370,743,098
1,366,018,949
1,361,311,081
1,356,619,439
1,351,943,966
16,535,493,896

84
85
86
87
88
89
90
91
92
93
94
95

2020
f

2021
p

1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
1,984,381,835
23,812,582,023

n
1,484,842,365
1,479,724,983
1,474,625,238
1,469,543,068
1,464,478,413
1,459,431,214
1,454,401,409
1,449,388,939
1,444,393,744
1,439,415,764
1,434,454,941
1,429,511,215
17,484,211,292

f
96
97
98
99
100
101
102
103
104
105
106
107

p
2,224,095,161 1,596,674,337
2,224,095,161 1,591,171,536
2,224,095,161 1,585,687,699
2,224,095,161 1,580,222,762
2,224,095,161 1,574,776,659
2,224,095,161 1,569,349,326
2,224,095,161 1,563,940,698
2,224,095,161 1,558,550,710
2,224,095,161 1,553,179,298
2,224,095,161 1,547,826,399
2,224,095,161 1,542,491,947
2,224,095,161 1,537,175,881
26,689,141,931 18,801,047,253

2022
n

f
108
109
110
111
112
113
114
115
116
117
118
119

2023
p

2,442,723,715 1,682,461,756
2,442,723,715 1,676,663,296
2,442,723,715 1,670,884,819
2,442,723,715 1,665,126,258
2,442,723,715 1,659,387,542
2,442,723,715 1,653,668,605
2,442,723,715 1,647,969,378
2,442,723,715 1,642,289,792
2,442,723,715 1,636,629,781
2,442,723,715 1,630,989,276
2,442,723,715 1,625,368,211
2,442,723,715 1,619,766,519
29,312,684,583 19,811,205,232

f
120
121
122
123
124
125
126
127
128
129
130
131

p
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
2,748,064,180
32,976,770,156

1,815,957,148
1,809,698,607
1,803,461,636
1,797,246,159
1,791,052,104
1,784,879,396
1,778,727,962
1,772,597,728
1,766,488,622
1,760,400,570
1,754,333,500
1,748,287,339
21,383,130,772

2024
n

f
132
133
134
135
136
137
138
139
140
141
142
143

2025
p

3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
3,087,175,299
37,046,103,593

n
1,957,257,149
1,950,511,630
1,943,789,359
1,937,090,255
1,930,414,239
1,923,761,231
1,917,131,153
1,910,523,924
1,903,939,467
1,897,377,702
1,890,838,552
1,884,321,939
23,046,956,600

f
144
145
146
147
148
149
150
151
152
153
154
155

p
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
3,404,845,638
40,858,147,653

2,071,056,263
2,063,918,545
2,056,805,426
2,049,716,822
2,042,652,649
2,035,612,821
2,028,597,255
2,021,605,869
2,014,638,577
2,007,695,297
2,000,775,947
1,993,880,444
24,386,955,916

2026
n

f
156
157
158
159
160
161
162
163
164
165
166
167

2027
p

3,810,022,269 2,223,462,741
3,810,022,269 2,215,799,767
3,810,022,269 2,208,163,203
3,810,022,269 2,200,552,957
3,810,022,269 2,192,968,940
3,810,022,269 2,185,411,060
3,810,022,269 2,177,879,227
3,810,022,269 2,170,373,353
3,810,022,269 2,162,893,347
3,810,022,269 2,155,439,120
3,810,022,269 2,148,010,583
3,810,022,269 2,140,607,648
45,720,267,224 26,181,561,945

f
168
169
170
171
172
173
174
175
176
177
178
179

p
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
4,227,600,709
50,731,208,512

2,367,032,260
2,358,874,486
2,350,744,827
2,342,643,185
2,334,569,466
2,326,523,572
2,318,505,408
2,310,514,877
2,302,551,885
2,294,616,337
2,286,708,138
2,278,827,194
27,872,111,634

2013
n

f
0
1
2
3

total/3 bulan =
total yang harus ditabung diawal=
asumsi deposito diambil tiap 3 bulan

i
2,620,800,000.00
2,620,800,000.00
2,620,800,000.00
2,620,800,000.00
237,362,030,439.06

p
0.014375
0.014375
0.014375
0.014375

2,620,800,000.00
2,583,659,889.09
2,547,046,101.39
2,510,951,178.20
10,262,457,168.68

2014
n

f
4
5
6
7

i
2,884,976,640.00
2,884,976,640.00
2,884,976,640.00
2,884,976,640.00

2015
p

0.014375
0.014375
0.014375
0.014375

n
2,724,884,837.42
2,686,269,710.34
2,648,201,809.33
2,610,673,379.50
10,670,029,736.59

f
8
9
10
11

3,300,701,773.82
3,300,701,773.82
3,300,701,773.82
3,300,701,773.82

2015
i

p
0.014375
0.014375
0.014375
0.014375

n
2,944,543,599.25
2,902,815,624.64
2,861,678,989.17
2,821,125,312.80
11,530,163,525.86

f
12
13
14
15

3,671,700,653.20
3,671,700,653.20
3,671,700,653.20
3,671,700,653.20

2016
i
0.014375
0.014375
0.014375
0.014375

2016
p

n
3,093,747,182.22
3,049,904,800.71
3,006,683,722.20
2,964,075,142.03
12,114,410,847.15

f
16
17
18
19

2017
i
4,173,622,132.49
4,173,622,132.49
4,173,622,132.49
4,173,622,132.49

p
0.014
0.014
0.014
0.014

3,321,517,401.30
3,274,447,222.48
3,228,044,088.71
3,182,298,547.09
13,006,307,259.58

f
20
21
22
23

2018
i
4,764,189,664.24
4,764,189,664.24
4,764,189,664.24
4,764,189,664.24

2019
p
0.014
0.014
0.014
0.014

n
3,581,115,259.65
3,530,366,244.88
3,480,336,409.00
3,431,015,560.32
14,022,833,473.84

f
24
25
26
27

5,401,638,241.32
5,401,638,241.32
5,401,638,241.32
5,401,638,241.32

2019
i

p
0.014
0.014
0.014
0.014

n
3,834,957,922.16
3,780,611,629.98
3,727,035,494.74
3,674,218,602.33
15,016,823,649.21

f
28
29
30
31

2020
i
5,953,145,505.76
5,953,145,505.76
5,953,145,505.76
5,953,145,505.76

p
0.014
0.014
0.014
0.014

3,991,971,728.04
3,935,400,348.04
3,879,630,657.34
3,824,651,294.97
15,631,654,028.38

2021
i

f
32
33
34
35

6,672,285,482.85
6,672,285,482.85
6,672,285,482.85
6,672,285,482.85

2022
p
0.014
0.014
0.014
0.014

n
4,225,921,549.14
4,166,034,798.90
4,106,996,721.04
4,048,795,288.76
16,547,748,357.83

f
36
37
38
39

7,328,171,145.82
7,328,171,145.82
7,328,171,145.82
7,328,171,145.82

2022
i

p
0.014
0.014
0.014
0.014

n
4,383,775,098.60
4,321,651,360.30
4,260,407,995.37
4,200,032,527.78
17,165,866,982.04

f
40
41
42
43

2023
i
8,244,192,539.04
8,244,192,539.04
8,244,192,539.04
8,244,192,539.04

p
0.014
0.014
0.014
0.014

4,658,076,740.60
4,592,065,794.80
4,526,990,309.11
4,462,837,026.85
18,239,969,871.37

f
44
45
46
47

2024
i
9,261,525,898.36
9,261,525,898.36
9,261,525,898.36
9,261,525,898.36

2025
p
0.014
0.014
0.014
0.014

n
4,942,502,640.51
4,872,461,013.44
4,803,411,966.42
4,735,341,433.32
19,353,717,053.68

f
48
49
50
51

10,214,536,913.30
10,214,536,913.30
10,214,536,913.30
10,214,536,913.30

2025
i

p
0.014
0.014
0.014
0.014

n
5,148,596,985.14
5,075,634,735.82
5,003,706,455.52
4,932,797,491.58
20,160,735,668.05

2026
i

f
52
53
54
55

11,430,066,805.99
11,430,066,805.99
11,430,066,805.99
11,430,066,805.99

p
0.014
0.014
0.014
0.014

5,441,577,713.44
5,364,463,549.91
5,288,442,193.38
5,213,498,157.37
21,307,981,614.11

f
56
57
58
59

2027
i
12,682,802,127.92
12,682,802,127.92
12,682,802,127.92
12,682,802,127.92

p
0.014
0.014
0.014
0.014

5,702,918,107.62
5,622,100,414.17
5,542,428,011.50
5,463,884,669.38
22,331,331,202.67

no

keterangan

pemasukan

keuangan
pengeluaran
saldo
180000000
198000000
180000000
198000000
180000000
198000000
180000000
198000000
180000000
198000000
180000000
198000000
1080000000
1188000000

198000000

187500000 mesin
660000000
847,500,000
4233554.475

1188000000

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29

Jabatan
Direktur Utama
Direktur Teknik dan Produksi
Direktur Keuangan dan Administrasi
Kepala Bagian Produksi
Kepala Bagian Pemeliharaan, Listrik dan Insrumentasi
Kepala Bagian Penelitian, Pengembangan dan Pengendalian Mutu
Kepala Bagian Keuangan dan Pemasaran
Kepala Bagian Umum
Kepala Bagian Administrasi
Kepala Seksi Proses
Kepala Seksi Utilitas
Kepala Seksi Pemeliharaan dan Bengkel
Kepala Seksi Listrik dan Instrumentasi
Kepala Seksi Penelitian dan Pengembangan
Kepala Seksi Laboratorium dan Pengendalian Mutu
Kepala Seksi Keuangan
Kepala Seksi Pemasaran
Kepala Seksi Tata Usaha dan Personalia
Kepala Seksi Humas dan Keamanan
Kepala Seksi Kesehatan dan Keselamatan Kerja
Kepala Shift
Operator
Staf I (S1)
Staf II (D3)
Staf III (SLTA)
Kepala Regu Keamanan (SLTA)
Satpam
Pegawai Shift (Hiperkes/Akper)
Pesuruh dan Kebersihan
Total Biaya Karyawan (Rp/ bulan)

Kebutuhan
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
8
96
5
17
24
4
32
4
12
222

Gaji
(Rp/bulan)
50,000,000.00
30,000,000.00
30,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
5,000,000.00
2,500,000.00
6,000,000.00
4,000,000.00
2,500,000.00
2,500,000.00
1,800,000.00
4,000,000.00
1,000,000.00

Biaya Karyawan
(Rp/bulan)
50,000,000.00
30,000,000.00
30,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
20,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
10,000,000.00
40,000,000.00
240,000,000.00
30,000,000.00
68,000,000.00
60,000,000.00
10,000,000.00
57,600,000.00
16,000,000.00
12,000,000.00
873,600,000.00

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

jangka

Inflasi Sesungguhnya
Tahun % /tahun
2012
0.0595
2013
0.0508
2014
0.0941
2015
0.0624
2016
0.0867
2017
0.0915
2018
0.0838
2019
0.0521
2020
0.0708
2021
0.0483
2022
0.0750
2023
0.0734
2024
0.0529
2025
0.0690
2026
0.0596
2027
0.0946
2028
0.0783
2029
0.0643
2030
0.0660
2031
0.0902

0.05

total gaji / tahun

tahun
n
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

10,483,200,000.00
total
inflasi
10,483,200,000.00
10,483,200,000.00
11,539,906,560.00
13,202,807,095.30
14,686,802,612.81
16,694,488,529.98
19,056,758,656.97
21,606,552,965.27
23,812,582,023.03
26,689,141,931.41
29,312,684,583.27
32,976,770,156.17
37,046,103,593.45
40,858,147,653.21
45,720,267,223.94
50,731,208,511.69

naik 5 %
532,546,560.00
1,085,905,207.30
823,855,162.75
1,273,345,786.53
1,527,545,700.49
1,596,956,375.45
1,125,701,409.49
1,685,930,807.23
1,289,085,555.29
2,198,451,343.74
2,420,494,929.46
1,959,738,880.09
2,819,212,188.07
2,724,927,926.55
4,799,172,325.21

524,160,000.0000
576,995,328.0000
660,140,354.7648
734,340,130.6404
834,724,426.4989
952,837,932.8485
1,080,327,648.2636
1,190,629,101.1513
1,334,457,096.5704
1,465,634,229.1633
1,648,838,507.8087
1,852,305,179.6723
2,042,907,382.6606
2,286,013,361.1972
2,536,560,425.5844

total 15 tahun

total
10,483,200,000.00
11,539,906,560.00
13,202,807,095.30
14,686,802,612.81
16,694,488,529.98
19,056,758,656.97
21,606,552,965.27
23,812,582,023.03
26,689,141,931.41
29,312,684,583.27
32,976,770,156.17
37,046,103,593.45
40,858,147,653.21
45,720,267,223.94
50,731,208,511.69
58,066,941,262.48

394,417,422,096.49

394,417,422,096.49