TABEL SPESIFIKASI KREDIT

JENIS KREDIT
KUK Konsumtif Investasi
Terminologi Jk Menengah Jk Pendek Jk Panjang
Plafon Maksimal Rp 10,000,000.00 Rp 50,000,000.00 Rp 20,000,000.00
Waktu Maksimal 2 1 5

LAPORAN

PERMOHONAN
NO KODE TGL PINJAM
JUMLAH WAKTU
1 C-03005 05 Rp 12,500,000.00 3 tahun
2 K-01307 07 Rp 17,500,000.00 5 tahun
3 C-04911 11 Rp 3,500,000.00 8 tahun
4 B-04311 11 Rp 7,240,000.00 2 tahun
5 K-01314 14 Rp 27,500,000.00 4 tahun
6 S-02117 17 Rp 6,250,000.00 2 tahun
7 K-01328 28 Rp 19,000,000.00 4 tahun
8 C-03314 14 Rp 15,000,000.00 3 tahun
9 K-02314 14 Rp 6,750,000.00 3 tahun
10 S-02117 17 Rp 3,600,000.00 2 tahun
11 K-01328 28 Rp 32,750,000.00 5 tahun
12 C-03314 14 Rp 6,500,000.00 2 tahun
 TABEL RINCIAN BIAYA PINJAMAN

Bunga/tah Bea Adm

Eksploitasi 01 06.75% 75000
Jk Menengah 02 08.35% 100000
Rp 7,500,000.00 03 05.50% 150000
3 05 07.25% 200000
Keterangan 1 tahun 12 bulan

PT BANK BPR NUSANTARA JAYA

LAPORAN REALISASI KREDIT BULAN JANUARI-2015

TERMINOLO REALISASI KREDIT

JENIS DOMISILI DEBITUR BUNGA
GI PLAFON MAKS WAKTU MAKS
Investasi Kota Cimahi Jk Panjang Rp 12,500,000 05 7.25%
KUK Kabupaten Bandung Jk Menengah Rp 10,000,000 02 8.35%
Eksploitasi Kota Cimahi Jk Menengah Rp 3,500,000 03 5.50%
Eksploitasi Kota Bandung Jk Menengah Rp 7,240,000 03 5.50%
KUK Kabupaten Bandung Jk Menengah Rp 10,000,000 02 8.35%
Konsumtif Kabupaten Sumedang Jk Pendek Rp 6,250,000 01 6.75%
KUK Kabupaten Bandung Jk Menengah Rp 10,000,000 02 8.35%
Investasi Kota Cimahi Jk Panjang Rp 15,000,000 05 7.25%
Konsumtif Kabupaten Bandung Jk Pendek Rp 6,750,000 01 6.75%
Konsumtif Kabupaten Sumedang Jk Pendek Rp 3,600,000 01 6.75%
KUK Kabupaten Bandung Jk Menengah Rp 10,000,000 02 8.35%
Investasi Kota Cimahi Jk Panjang Rp 6,500,000 05 7.25%
CIAN BIAYA PINJAMAN

Provisi/ta Asuransi
01.00% 02.00%
01.25% 02.25%
01.50% 02.75%
01.75% 03.00%
12 bulan

Lama Pengembalian Pokok ANGSURAN

Pinjam Pinjaman BULAN 1 BULAN 2 BULAN 3
03 Rp 208,333.33 Rp428,350.63 Rp428,350.63 Rp428,350.63
01 Rp 416,666.67 Rp1,580,104.17 Rp1,580,104.17 Rp1,580,104.17
04 Rp 97,222.22 Rp90,330.96 Rp90,330.96 Rp90,330.96
04 Rp 201,111.11 Rp186,856.05 Rp186,856.05 Rp186,856.05
01 Rp 416,666.67 Rp2,483,020.83 Rp2,483,020.83 Rp2,483,020.83
02 Rp 520,833.33 Rp296,759.44 Rp296,759.44 Rp296,759.44
01 Rp 416,666.67 Rp1,715,541.67 Rp1,715,541.67 Rp1,715,541.67
03 Rp 250,000.00 Rp514,020.76 Rp514,020.76 Rp514,020.76
02 Rp 562,500.00 Rp320,500.20 Rp320,500.20 Rp320,500.20
02 Rp 300,000.00 Rp170,933.44 Rp170,933.44 Rp170,933.44
01 Rp 416,666.67 Rp2,957,052.08 Rp2,957,052.08 Rp2,957,052.08
03 Rp 108,333.33 Rp222,742.33 Rp222,742.33 Rp222,742.33
 PD PRATAMA
1. Perusahaan sebaiknya menggunakan
Besar Kredit Rp 500,000,000 2. Total Beban bunga
Jangka waktu 4 Flate Rate
Tingkat bunga (FR) 12.50% Sliding Rate
Anuitas 12.50% Anuitas
Sliding rate 12.50%

Bunga Flat
Total Pembayaran Rp800,903,320.31

Bulan Pokok Bunga Cicilan

1 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
2 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
3 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
4 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
5 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
6 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
7 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
8 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
9 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
10 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
11 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
12 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
13 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
14 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
15 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
16 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
17 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
18 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
19 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
20 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
21 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
22 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
23 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
24 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
25 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
26 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
27 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
28 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
29 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
30 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
31 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
 32 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
33 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
34 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
35 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
36 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
37 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
38 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
39 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
40 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
41 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
42 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
43 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
44 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
45 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
46 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
47 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
48 Rp 10,416,666.67 Rp 6,268,819.17 Rp 16,685,485.84
TOTAL Rp 500,000,000.00 Rp 300,903,320.31 Rp 800,903,320.31
ahaan sebaiknya menggunakan sliding rate karena beban bunganya lebih kecil dibandingkan yang lain.
Beban bunga
Rp 300,903,320.31
Rp 127,604,166.67
Rp137,919,973.40

Bunga Anuitas

Bulan Pokok Bunga Cicilan

1 Rp8,081,666.11 Rp5,208,333.33 Rp13,289,999.45
2 Rp8,165,850.13 Rp5,124,149.31 Rp13,289,999.45
3 Rp8,250,911.07 Rp5,039,088.37 Rp13,289,999.45
4 Rp8,336,858.06 Rp4,953,141.38 Rp13,289,999.45
5 Rp8,423,700.34 Rp4,866,299.11 Rp13,289,999.45
6 Rp8,511,447.21 Rp4,778,552.23 Rp13,289,999.45
7 Rp8,600,108.12 Rp4,689,891.32 Rp13,289,999.45
8 Rp8,689,692.58 Rp4,600,306.86 Rp13,289,999.45
9 Rp8,780,210.21 Rp4,509,789.23 Rp13,289,999.45
10 Rp8,871,670.74 Rp4,418,328.71 Rp13,289,999.45
11 Rp8,964,083.97 Rp4,325,915.47 Rp13,289,999.45
12 Rp9,057,459.85 Rp4,232,539.60 Rp13,289,999.45
13 Rp9,151,808.39 Rp4,138,191.06 Rp13,289,999.45
14 Rp9,247,139.72 Rp4,042,859.72 Rp13,289,999.45
15 Rp9,343,464.10 Rp3,946,535.35 Rp13,289,999.45
16 Rp9,440,791.85 Rp3,849,207.60 Rp13,289,999.45
17 Rp9,539,133.43 Rp3,750,866.02 Rp13,289,999.45
18 Rp9,638,499.40 Rp3,651,500.04 Rp13,289,999.45
19 Rp9,738,900.44 Rp3,551,099.01 Rp13,289,999.45
20 Rp9,840,347.32 Rp3,449,652.13 Rp13,289,999.45
21 Rp9,942,850.94 Rp3,347,148.51 Rp13,289,999.45
22 Rp10,046,422.30 Rp3,243,577.15 Rp13,289,999.45
23 Rp10,151,072.53 Rp3,138,926.91 Rp13,289,999.45
24 Rp10,256,812.87 Rp3,033,186.57 Rp13,289,999.45
25 Rp10,363,654.67 Rp2,926,344.77 Rp13,289,999.45
26 Rp10,471,609.41 Rp2,818,390.04 Rp13,289,999.45
27 Rp10,580,688.67 Rp2,709,310.77 Rp13,289,999.45
28 Rp10,690,904.18 Rp2,599,095.27 Rp13,289,999.45
29 Rp10,802,267.76 Rp2,487,731.68 Rp13,289,999.45
30 Rp10,914,791.39 Rp2,375,208.06 Rp13,289,999.45
31 Rp11,028,487.13 Rp2,261,512.31 Rp13,289,999.45
 32 Rp11,143,367.21 Rp2,146,632.24 Rp13,289,999.45
33 Rp11,259,443.95 Rp2,030,555.50 Rp13,289,999.45
34 Rp11,376,729.82 Rp1,913,269.62 Rp13,289,999.45
35 Rp11,495,237.42 Rp1,794,762.02 Rp13,289,999.45
36 Rp11,614,979.48 Rp1,675,019.97 Rp13,289,999.45
37 Rp11,735,968.85 Rp1,554,030.60 Rp13,289,999.45
38 Rp11,858,218.53 Rp1,431,780.92 Rp13,289,999.45
39 Rp11,981,741.64 Rp1,308,257.81 Rp13,289,999.45
40 Rp12,106,551.44 Rp1,183,448.00 Rp13,289,999.45
41 Rp12,232,661.35 Rp1,057,338.09 Rp13,289,999.45
42 Rp12,360,084.91 Rp929,914.54 Rp13,289,999.45
43 Rp12,488,835.79 Rp801,163.65 Rp13,289,999.45
44 Rp12,618,927.83 Rp671,071.61 Rp13,289,999.45
45 Rp12,750,375.00 Rp539,624.45 Rp13,289,999.45
46 Rp12,883,191.41 Rp406,808.04 Rp13,289,999.45
47 Rp13,017,391.32 Rp272,608.13 Rp13,289,999.45
48 Rp13,152,989.14 Rp137,010.30 Rp13,289,999.45
TOTAL Rp500,000,000.00 Rp137,919,973.40 Rp637,919,973.40
 Sliding Rate

Bulan Pokok Bunga Cicilan Total Pinjaman

0 Rp - Rp - Rp - Rp 500,000,000.00
1 Rp 10,416,666.67 Rp 5,208,333.33 Rp 15,625,000.00 Rp 489,583,333.33
2 Rp 10,416,666.67 Rp 5,099,826.39 Rp 15,516,493.06 Rp 479,166,666.67
3 Rp 10,416,666.67 Rp 4,991,319.44 Rp 15,407,986.11 Rp 468,750,000.00
4 Rp 10,416,666.67 Rp 4,882,812.50 Rp 15,299,479.17 Rp 458,333,333.33
5 Rp 10,416,666.67 Rp 4,774,305.56 Rp 15,190,972.22 Rp 447,916,666.67
6 Rp 10,416,666.67 Rp 4,665,798.61 Rp 15,082,465.28 Rp 437,500,000.00
7 Rp 10,416,666.67 Rp 4,557,291.67 Rp 14,973,958.33 Rp 427,083,333.33
8 Rp 10,416,666.67 Rp 4,448,784.72 Rp 14,865,451.39 Rp 416,666,666.67
9 Rp 10,416,666.67 Rp 4,340,277.78 Rp 14,756,944.44 Rp 406,250,000.00
10 Rp 10,416,666.67 Rp 4,231,770.83 Rp 14,648,437.50 Rp 395,833,333.33
11 Rp 10,416,666.67 Rp 4,123,263.89 Rp 14,539,930.56 Rp 385,416,666.67
12 Rp 10,416,666.67 Rp 4,014,756.94 Rp 14,431,423.61 Rp 375,000,000.00
13 Rp 10,416,666.67 Rp 3,906,250.00 Rp 14,322,916.67 Rp 364,583,333.33
14 Rp 10,416,666.67 Rp 3,797,743.06 Rp 14,214,409.72 Rp 354,166,666.67
15 Rp 10,416,666.67 Rp 3,689,236.11 Rp 14,105,902.78 Rp 343,750,000.00
16 Rp 10,416,666.67 Rp 3,580,729.17 Rp 13,997,395.83 Rp 333,333,333.33
17 Rp 10,416,666.67 Rp 3,472,222.22 Rp 13,888,888.89 Rp 322,916,666.67
18 Rp 10,416,666.67 Rp 3,363,715.28 Rp 13,780,381.94 Rp 312,500,000.00
19 Rp 10,416,666.67 Rp 3,255,208.33 Rp 13,671,875.00 Rp 302,083,333.33
20 Rp 10,416,666.67 Rp 3,146,701.39 Rp 13,563,368.06 Rp 291,666,666.67
21 Rp 10,416,666.67 Rp 3,038,194.44 Rp 13,454,861.11 Rp 281,250,000.00
22 Rp 10,416,666.67 Rp 2,929,687.50 Rp 13,346,354.17 Rp 270,833,333.33
23 Rp 10,416,666.67 Rp 2,821,180.56 Rp 13,237,847.22 Rp 260,416,666.67
24 Rp 10,416,666.67 Rp 2,712,673.61 Rp 13,129,340.28 Rp 250,000,000.00
25 Rp 10,416,666.67 Rp 2,604,166.67 Rp 13,020,833.33 Rp 239,583,333.33
26 Rp 10,416,666.67 Rp 2,495,659.72 Rp 12,912,326.39 Rp 229,166,666.67
27 Rp 10,416,666.67 Rp 2,387,152.78 Rp 12,803,819.44 Rp 218,750,000.00
28 Rp 10,416,666.67 Rp 2,278,645.83 Rp 12,695,312.50 Rp 208,333,333.33
29 Rp 10,416,666.67 Rp 2,170,138.89 Rp 12,586,805.56 Rp 197,916,666.67
30 Rp 10,416,666.67 Rp 2,061,631.94 Rp 12,478,298.61 Rp 187,500,000.00
 31 Rp 10,416,666.67 Rp 1,953,125.00 Rp 12,369,791.67 Rp 177,083,333.33
32 Rp 10,416,666.67 Rp 1,844,618.06 Rp 12,261,284.72 Rp 166,666,666.67
33 Rp 10,416,666.67 Rp 1,736,111.11 Rp 12,152,777.78 Rp 156,250,000.00
34 Rp 10,416,666.67 Rp 1,627,604.17 Rp 12,044,270.83 Rp 145,833,333.33
35 Rp 10,416,666.67 Rp 1,519,097.22 Rp 11,935,763.89 Rp 135,416,666.67
36 Rp 10,416,666.67 Rp 1,410,590.28 Rp 11,827,256.94 Rp 125,000,000.00
37 Rp 10,416,666.67 Rp 1,302,083.33 Rp 11,718,750.00 Rp 114,583,333.33
38 Rp 10,416,666.67 Rp 1,193,576.39 Rp 11,610,243.06 Rp 104,166,666.67
39 Rp 10,416,666.67 Rp 1,085,069.44 Rp 11,501,736.11 Rp 93,750,000.00
40 Rp 10,416,666.67 Rp 976,562.50 Rp 11,393,229.17 Rp 83,333,333.33
41 Rp 10,416,666.67 Rp 868,055.56 Rp 11,284,722.22 Rp 72,916,666.67
42 Rp 10,416,666.67 Rp 759,548.61 Rp 11,176,215.28 Rp 62,500,000.00
43 Rp 10,416,666.67 Rp 651,041.67 Rp 11,067,708.33 Rp 52,083,333.33
44 Rp 10,416,666.67 Rp 542,534.72 Rp 10,959,201.39 Rp 41,666,666.67
45 Rp 10,416,666.67 Rp 434,027.78 Rp 10,850,694.44 Rp 31,250,000.00
46 Rp 10,416,666.67 Rp 325,520.83 Rp 10,742,187.50 Rp 20,833,333.33
47 Rp 10,416,666.67 Rp 217,013.89 Rp 10,633,680.56 Rp 10,416,666.67
48 Rp 10,416,666.67 Rp 108,506.94 Rp 10,525,173.61 Rp (0.00)
TOTAL Rp 500,000,000.00 Rp 127,604,166.67 Rp 627,604,166.67