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Jadwal angsuran & Analisis Present Value

Debitur : Hadi Nurmanto

(Rp 000,-)
No Bulan KMK Provisi Denda Tagihan Total DF (bunga PV Eksekusi PV
Pokok BAP Bunga.ditunda Bunga berjalan lainnya angs sblmnya) restruktur. agunan eksekusi
Saldo Angs. Saldo Angs. Saldo Angs. % Rp 8.53% DJPLN agunan
0 Apr-17 430,175 24,563 0 0 0 0 1.0000 0
1 May-17 426,175 4,000 24,563 0 0 0 11.00% 3,943 0 0 0 7,943 0.9929 7,887 0 0
2 Jun-17 422,175 4,000 24,563 0 0 0 11.00% 3,907 0 0 0 7,907 0.9859 7,795 0 0
3 Jul-17 418,175 4,000 24,563 0 0 0 11.00% 3,870 0 0 0 7,870 0.9790 7,704 0 0
4 Aug-17 414,175 4,000 24,563 0 0 0 11.00% 3,833 0 0 0 7,833 0.9721 7,614 0 0
5 Sep-17 410,175 4,000 24,563 0 0 0 11.00% 3,797 0 0 0 7,797 0.9652 7,525 0 0
6 Oct-17 406,175 4,000 24,563 0 0 0 11.00% 3,760 0 0 0 7,760 0.9584 7,437 0 0
7 Nov-17 402,175 4,000 24,563 0 0 0 11.00% 3,723 0 0 0 7,723 0.9516 7,350 0 0
8 Dec-17 398,175 4,000 24,563 0 0 0 11.00% 3,687 0 0 0 7,687 0.9449 7,263 0 0
9 Jan-18 394,175 4,000 24,563 0 0 0 11.00% 3,650 0 0 0 7,650 0.9382 7,177 0 0
10 Feb-18 390,175 4,000 24,563 0 0 0 11.00% 3,613 0 0 0 7,613 0.9316 7,093 0 0
11 Mar-18 386,175 4,000 24,563 0 0 0 11.00% 3,577 0 0 0 7,577 0.9250 7,009 0 0
12 Apr-18 382,175 4,000 24,563 0 0 0 11.00% 3,540 0 0 0 7,540 0.9185 6,926 0 0
13 May-18 376,675 5,500 24,563 0 0 0 11.00% 3,503 0 0 0 9,003 0.9120 8,211 0 0
14 Jun-18 371,175 5,500 24,563 0 0 0 11.00% 3,453 0 0 0 8,953 0.9056 8,108 0 0
15 Jul-18 365,675 5,500 24,563 0 0 0 11.00% 3,402 0 0 0 8,902 0.8992 8,005 0 0
16 Aug-18 360,175 5,500 24,563 0 0 0 11.00% 3,352 0 0 0 8,852 0.8929 7,904 0 0
17 Sep-18 354,675 5,500 24,563 0 0 0 11.00% 3,302 0 0 0 8,802 0.8866 7,803 0 0
18 Oct-18 349,175 5,500 24,563 0 0 0 11.00% 3,251 0 0 0 8,751 0.8803 7,704 0 0
19 Nov-18 343,675 5,500 24,563 0 0 0 11.00% 3,201 0 0 0 8,701 0.8741 7,605 0 0
20 Dec-18 338,175 5,500 24,563 0 0 0 11.00% 3,150 0 0 0 8,650 0.8679 7,508 0 0
21 Jan-19 332,675 5,500 24,563 0 0 0 11.00% 3,100 0 0 0 8,600 0.8618 7,411 0 0
22 Feb-19 327,175 5,500 24,563 0 0 0 11.00% 3,050 0 0 0 8,550 0.8557 7,316 0 0
23 Mar-19 321,675 5,500 24,563 0 0 0 11.00% 2,999 0 0 0 8,499 0.8497 7,221 0 0
24 Apr-19 316,175 5,500 24,563 0 0 0 11.00% 2,949 0 0 0 8,449 0.8437 7,128 0 0
25 May-19 309,175 7,000 24,563 0 0 0 11.00% 2,898 0 0 0 9,898 0.8377 8,292 0 0
26 Jun-19 302,175 7,000 24,563 0 0 0 11.00% 2,834 0 0 0 9,834 0.8318 8,180 0 0
27 Jul-19 295,175 7,000 24,563 0 0 0 11.00% 2,770 0 0 0 9,770 0.8259 8,069 0 0
28 Aug-19 288,175 7,000 24,563 0 0 0 11.00% 2,706 0 0 0 9,706 0.8201 7,960 0 0
29 Sep-19 281,175 7,000 24,563 0 0 0 11.00% 2,642 0 0 0 9,642 0.8143 7,851 0 0
30 Oct-19 274,175 7,000 24,563 0 0 0 11.00% 2,577 0 0 0 9,577 0.8086 7,744 0 0
31 Nov-19 267,175 7,000 24,563 0 0 0 11.00% 2,513 0 0 0 9,513 0.8029 7,638 0 0
32 Dec-19 260,175 7,000 24,563 0 0 0 11.00% 2,449 0 0 0 9,449 0.7972 7,533 0 0
33 Jan-20 253,175 7,000 24,563 0 0 0 11.00% 2,385 0 0 0 9,385 0.7916 7,429 0 0
34 Feb-20 246,175 7,000 24,563 0 0 0 11.00% 2,321 0 0 0 9,321 0.7860 7,326 0 0
35 Mar-20 239,175 7,000 24,563 0 0 0 11.00% 2,257 0 0 0 9,257 0.7804 7,224 0 0
36 Apr-20 232,175 7,000 24,563 0 0 0 11.00% 2,192 0 0 0 9,192 0.7749 7,123 0 0
37 May-20 223,175 9,000 24,563 0 0 0 11.00% 2,128 0 0 0 11,128 0.7695 8,563 0 0
38 Jun-20 214,175 9,000 24,563 0 0 0 11.00% 2,046 0 0 0 11,046 0.7640 8,439 0 0
39 Jul-20 205,175 9,000 24,563 0 0 0 11.00% 1,963 0 0 0 10,963 0.7586 8,317 0 0
40 Aug-20 196,175 9,000 24,563 0 0 0 11.00% 1,881 0 0 0 10,881 0.7533 8,196 0 0
41 Sep-20 187,175 9,000 24,563 0 0 0 11.00% 1,798 0 0 0 10,798 0.7480 8,077 0 0
42 Oct-20 178,175 9,000 24,563 0 0 0 11.00% 1,716 0 0 0 10,716 0.7427 7,958 0 0
43 Nov-20 169,175 9,000 24,563 0 0 0 11.00% 1,633 0 0 0 10,633 0.7374 7,841 0 0
44 Dec-20 160,175 9,000 24,563 0 0 0 11.00% 1,551 0 0 0 10,551 0.7322 7,726 0 0
45 Jan-21 151,175 9,000 24,563 0 0 0 11.00% 1,468 0 0 0 10,468 0.7271 7,611 0 0
46 Feb-21 142,175 9,000 24,563 0 0 0 11.00% 1,386 0 0 0 10,386 0.7219 7,498 0 0
47 Mar-21 133,175 9,000 24,563 0 0 0 11.00% 1,303 0 0 0 10,303 0.7168 7,386 0 0
48 Apr-21 124,175 9,000 24,563 0 0 0 11.00% 1,221 0 0 0 10,221 0.7118 7,275 0 0
49 May-21 114,175 10,000 24,563 0 0 0 11.00% 1,138 0 0 0 11,138 0.7068 7,872 0 0
50 Jun-21 104,175 10,000 24,563 0 0 0 11.00% 1,047 0 0 0 11,047 0.7018 7,752 0 0
51 Jul-21 94,175 10,000 24,563 0 0 0 11.00% 955 0 0 0 10,955 0.6968 7,634 0 0
52 Aug-21 84,175 10,000 24,563 0 0 0 11.00% 863 0 0 0 10,863 0.6919 7,516 0 0
53 Sep-21 74,175 10,000 24,563 0 0 0 11.00% 772 0 0 0 10,772 0.6870 7,400 0 0
54 Oct-21 64,175 10,000 24,563 0 0 0 11.00% 680 0 0 0 10,680 0.6822 7,285 0 0
55 Nov-21 54,175 10,000 24,563 0 0 0 11.00% 588 0 0 0 10,588 0.6773 7,172 0 0
56 Dec-21 44,175 10,000 24,563 0 0 0 11.00% 497 0 0 0 10,497 0.6726 7,060 0 0
57 Jan-22 34,175 10,000 24,563 0 0 0 11.00% 405 0 0 0 10,405 0.6678 6,949 0 0
58 Feb-22 24,175 10,000 24,563 0 0 0 11.00% 313 0 0 0 10,313 0.6631 6,839 0 0
59 Mar-22 14,175 10,000 24,563 0 0 0 11.00% 222 0 0 0 10,222 0.6584 6,730 0 0
60 Apr-22 4,175 10,000 24,563 0 0 0 11.00% 130 0 0 0 10,130 0.6538 6,623 0 0
0 4,175 24,563 11.00% 38 28,776
Jumlah 416,000 0 141,729 557,729 448,169 0 0
Jadwal angsuran & Analisis Present Value
Debitur : Hadi Nurmanto

(Rp 000,-)
No Bulan KMK Provisi Denda Tagihan Total DF (bunga PV Eksekusi PV
Pokok BAP Bunga.ditunda Bunga berjalan lainnya angs sblmnya) restruktur. agunan eksekusi
Saldo Angs. Saldo Angs. Saldo Angs. % Rp 8.53% DJPLN agunan
0 Apr-17 430,175 24,563 0 0 0 0 1.0000 0
1 May-17 426,118 4,057 24,563 0 0 0 11.00% 3,943 0 0 0 8,000 0.9929 7,944 0 0
2 Jun-17 422,024 4,094 24,563 0 0 0 11.00% 3,906 0 0 0 8,000 0.9859 7,887 0 0
3 Jul-17 417,893 4,131 24,563 0 0 0 11.00% 3,869 0 0 0 8,000 0.9790 7,832 0 0
4 Aug-17 413,724 4,169 24,563 0 0 0 11.00% 3,831 0 0 0 8,000 0.9721 7,777 0 0
5 Sep-17 409,516 4,208 24,563 0 0 0 11.00% 3,792 0 0 0 8,000 0.9652 7,722 0 0
6 Oct-17 405,270 4,246 24,563 0 0 0 11.00% 3,754 0 0 0 8,000 0.9584 7,667 0 0
7 Nov-17 400,985 4,285 24,563 0 0 0 11.00% 3,715 0 0 0 8,000 0.9516 7,613 0 0
8 Dec-17 396,661 4,324 24,563 0 0 0 11.00% 3,676 0 0 0 8,000 0.9449 7,559 0 0
9 Jan-18 392,297 4,364 24,563 0 0 0 11.00% 3,636 0 0 0 8,000 0.9382 7,506 0 0
10 Feb-18 387,893 4,404 24,563 0 0 0 11.00% 3,596 0 0 0 8,000 0.9316 7,453 0 0
11 Mar-18 383,448 4,444 24,563 0 0 0 11.00% 3,556 0 0 0 8,000 0.9250 7,400 0 0
12 Apr-18 378,963 4,485 24,563 0 0 0 11.00% 3,515 0 0 0 8,000 0.9185 7,348 0 0
13 May-18 373,437 5,526 24,563 0 0 0 11.00% 3,474 0 0 0 9,000 0.9120 8,208 0 0
14 Jun-18 367,860 5,577 24,563 0 0 0 11.00% 3,423 0 0 0 9,000 0.9056 8,150 0 0
15 Jul-18 362,232 5,628 24,563 0 0 0 11.00% 3,372 0 0 0 9,000 0.8992 8,093 0 0
16 Aug-18 356,553 5,680 24,563 0 0 0 11.00% 3,320 0 0 0 9,000 0.8929 8,036 0 0
17 Sep-18 350,821 5,732 24,563 0 0 0 11.00% 3,268 0 0 0 9,000 0.8866 7,979 0 0
18 Oct-18 345,037 5,784 24,563 0 0 0 11.00% 3,216 0 0 0 9,000 0.8803 7,923 0 0
19 Nov-18 339,200 5,837 24,563 0 0 0 11.00% 3,163 0 0 0 9,000 0.8741 7,867 0 0
20 Dec-18 333,309 5,891 24,563 0 0 0 11.00% 3,109 0 0 0 9,000 0.8679 7,811 0 0
21 Jan-19 327,365 5,945 24,563 0 0 0 11.00% 3,055 0 0 0 9,000 0.8618 7,756 0 0
22 Feb-19 321,366 5,999 24,563 0 0 0 11.00% 3,001 0 0 0 9,000 0.8557 7,701 0 0
23 Mar-19 315,311 6,054 24,563 0 0 0 11.00% 2,946 0 0 0 9,000 0.8497 7,647 0 0
24 Apr-19 309,202 6,110 24,563 0 0 0 11.00% 2,890 0 0 0 9,000 0.8437 7,593 0 0
25 May-19 302,036 7,166 24,563 0 0 0 11.00% 2,834 0 0 0 10,000 0.8377 8,377 0 0
26 Jun-19 294,805 7,231 24,563 0 0 0 11.00% 2,769 0 0 0 10,000 0.8318 8,318 0 0
27 Jul-19 287,507 7,298 24,563 0 0 0 11.00% 2,702 0 0 0 10,000 0.8259 8,259 0 0
28 Aug-19 280,143 7,365 24,563 0 0 0 11.00% 2,635 0 0 0 10,000 0.8201 8,201 0 0
29 Sep-19 272,711 7,432 24,563 0 0 0 11.00% 2,568 0 0 0 10,000 0.8143 8,143 0 0
30 Oct-19 265,210 7,500 24,563 0 0 0 11.00% 2,500 0 0 0 10,000 0.8086 8,086 0 0
31 Nov-19 257,641 7,569 24,563 0 0 0 11.00% 2,431 0 0 0 10,000 0.8029 8,029 0 0
32 Dec-19 250,003 7,638 24,563 0 0 0 11.00% 2,362 0 0 0 10,000 0.7972 7,972 0 0
33 Jan-20 242,295 7,708 24,563 0 0 0 11.00% 2,292 0 0 0 10,000 0.7916 7,916 0 0
34 Feb-20 234,516 7,779 24,563 0 0 0 11.00% 2,221 0 0 0 10,000 0.7860 7,860 0 0
35 Mar-20 226,666 7,850 24,563 0 0 0 11.00% 2,150 0 0 0 10,000 0.7804 7,804 0 0
36 Apr-20 218,743 7,922 24,563 0 0 0 11.00% 2,078 0 0 0 10,000 0.7749 7,749 0 0
37 May-20 209,749 8,995 24,563 0 0 0 11.00% 2,005 0 0 0 11,000 0.7695 8,464 0 0
38 Jun-20 200,671 9,077 24,563 0 0 0 11.00% 1,923 0 0 0 11,000 0.7640 8,404 0 0
39 Jul-20 191,511 9,161 24,563 0 0 0 11.00% 1,839 0 0 0 11,000 0.7586 8,345 0 0
40 Aug-20 182,266 9,244 24,563 0 0 0 11.00% 1,756 0 0 0 11,000 0.7533 8,286 0 0
41 Sep-20 172,937 9,329 24,563 0 0 0 11.00% 1,671 0 0 0 11,000 0.7480 8,228 0 0
42 Oct-20 163,522 9,415 24,563 0 0 0 11.00% 1,585 0 0 0 11,000 0.7427 8,169 0 0
43 Nov-20 154,021 9,501 24,563 0 0 0 11.00% 1,499 0 0 0 11,000 0.7374 8,112 0 0
44 Dec-20 144,433 9,588 24,563 0 0 0 11.00% 1,412 0 0 0 11,000 0.7322 8,055 0 0
45 Jan-21 134,757 9,676 24,563 0 0 0 11.00% 1,324 0 0 0 11,000 0.7271 7,998 0 0
46 Feb-21 124,992 9,765 24,563 0 0 0 11.00% 1,235 0 0 0 11,000 0.7219 7,941 0 0
47 Mar-21 115,138 9,854 24,563 0 0 0 11.00% 1,146 0 0 0 11,000 0.7168 7,885 0 0
48 Apr-21 105,194 9,945 24,563 0 0 0 11.00% 1,055 0 0 0 11,000 0.7118 7,830 0 0
49 May-21 94,158 11,036 24,563 0 0 0 11.00% 964 0 0 0 12,000 0.7068 8,481 0 0
50 Jun-21 83,021 11,137 24,563 0 0 0 11.00% 863 0 0 0 12,000 0.7018 8,421 0 0
51 Jul-21 71,782 11,239 24,563 0 0 0 11.00% 761 0 0 0 12,000 0.6968 8,362 0 0
52 Aug-21 60,440 11,342 24,563 0 0 0 11.00% 658 0 0 0 12,000 0.6919 8,303 0 0
53 Sep-21 48,994 11,446 24,563 0 0 0 11.00% 554 0 0 0 12,000 0.6870 8,244 0 0
54 Oct-21 37,443 11,551 24,563 0 0 0 11.00% 449 0 0 0 12,000 0.6822 8,186 0 0
55 Nov-21 25,786 11,657 24,563 0 0 0 11.00% 343 0 0 0 12,000 0.6773 8,128 0 0
56 Dec-21 14,023 11,764 24,563 0 0 0 11.00% 236 0 0 0 12,000 0.6726 8,071 0 0
57 Jan-22 2,151 11,871 24,563 0 0 0 11.00% 129 0 0 0 12,000 0.6678 8,014 0 0
58 Feb-22 0 2,151 0 24,563 0 0 11.00% 20 0 0 0 26,734 0.6631 17,727 0 0
Jumlah 430,175 24,563 135,996 590,734 472,838 0 0
Jadwal angsuran & Analisis Present Value
Debitur : Razudin
(Rp 000,-)
No Bulan KI Provisi Denda Tagihan Total DF (bunga PV Eksekusi PV
Pokok BAP Bunga.ditunda Bunga berjalan lainnya angs sblmnya) restruktur. agunan eksekusi
Saldo Angs. Saldo Angs. Saldo Angs. % Rp 12.00% DJPLN agunan
0 Apr-17 219,008 10,499 0 0 0 0 1.0000 0
1 May-17 218,508 500 10,499 0 0 0 12.00% 2,190 0 0 0 2,690 0.9901 2,663 0 0
2 Jun-17 216,758 1,750 10,499 0 0 0 12.00% 2,185 0 0 0 3,935 0.9803 3,858 0 0
3 Jul-17 215,008 1,750 10,499 0 0 0 12.00% 2,168 0 0 0 3,918 0.9706 3,802 0 0
4 Aug-17 213,258 1,750 10,499 0 0 0 12.00% 2,150 0 0 0 3,900 0.9610 3,748 0 0
5 Sep-17 211,508 1,750 10,499 0 0 0 12.00% 2,133 0 0 0 3,883 0.9515 3,694 0 0
6 Oct-17 209,758 1,750 10,499 0 0 0 12.00% 2,115 0 0 0 3,865 0.9420 3,641 0 0
7 Nov-17 208,008 1,750 10,499 0 0 0 12.00% 2,098 0 0 0 3,848 0.9327 3,589 0 0
8 Dec-17 206,258 1,750 10,499 0 0 0 12.00% 2,080 0 0 0 3,830 0.9235 3,537 0 0
9 Jan-18 204,508 1,750 10,499 0 0 0 12.00% 2,063 0 0 0 3,813 0.9143 3,486 0 0
10 Feb-18 202,758 1,750 10,499 0 0 0 12.00% 2,045 0 0 0 3,795 0.9053 3,436 0 0
11 Mar-18 201,008 1,750 10,499 0 0 0 12.00% 2,028 0 0 0 3,778 0.8963 3,386 0 0
12 Apr-18 199,258 1,750 10,499 0 0 0 12.00% 2,010 0 0 0 3,760 0.8874 3,337 0 0
13 May-18 197,298 1,960 10,499 0 0 0 12.00% 1,993 0 0 0 3,953 0.8787 3,473 0 0
14 Jun-18 195,338 1,960 10,499 0 0 0 12.00% 1,973 0 0 0 3,933 0.8700 3,422 0 0
15 Jul-18 193,378 1,960 10,499 0 0 0 12.00% 1,953 0 0 0 3,913 0.8613 3,371 0 0
16 Aug-18 191,418 1,960 10,499 0 0 0 12.00% 1,934 0 0 0 3,894 0.8528 3,321 0 0
17 Sep-18 189,458 1,960 10,499 0 0 0 12.00% 1,914 0 0 0 3,874 0.8444 3,271 0 0
18 Oct-18 187,498 1,960 10,499 0 0 0 12.00% 1,895 0 0 0 3,855 0.8360 3,222 0 0
19 Nov-18 185,538 1,960 10,499 0 0 0 12.00% 1,875 0 0 0 3,835 0.8277 3,174 0 0
20 Dec-18 183,578 1,960 10,499 0 0 0 12.00% 1,855 0 0 0 3,815 0.8195 3,127 0 0
21 Jan-19 181,618 1,960 10,499 0 0 0 12.00% 1,836 0 0 0 3,796 0.8114 3,080 0 0
22 Feb-19 179,658 1,960 10,499 0 0 0 12.00% 1,816 0 0 0 3,776 0.8034 3,034 0 0
23 Mar-19 177,698 1,960 10,499 0 0 0 12.00% 1,797 0 0 0 3,757 0.7954 2,988 0 0
24 Apr-19 175,738 1,960 10,499 0 0 0 12.00% 1,777 0 0 0 3,737 0.7876 2,943 0 0
25 May-19 173,563 2,175 10,499 0 0 0 12.00% 1,757 0 0 0 3,932 0.7798 3,066 0 0
26 Jun-19 171,413 2,150 10,499 0 0 0 12.00% 1,736 0 0 0 3,886 0.7720 3,000 0 0
27 Jul-19 169,263 2,150 10,499 0 0 0 12.00% 1,714 0 0 0 3,864 0.7644 2,954 0 0
28 Aug-19 167,113 2,150 10,499 0 0 0 12.00% 1,693 0 0 0 3,843 0.7568 2,908 0 0
29 Sep-19 164,963 2,150 10,499 0 0 0 12.00% 1,671 0 0 0 3,821 0.7493 2,863 0 0
30 Oct-19 162,813 2,150 10,499 0 0 0 12.00% 1,650 0 0 0 3,800 0.7419 2,819 0 0
31 Nov-19 160,663 2,150 10,499 0 0 0 12.00% 1,628 0 0 0 3,778 0.7346 2,775 0 0
32 Dec-19 158,513 2,150 10,499 0 0 0 12.00% 1,607 0 0 0 3,757 0.7273 2,732 0 0
33 Jan-20 156,363 2,150 10,499 0 0 0 12.00% 1,585 0 0 0 3,735 0.7201 2,690 0 0
34 Feb-20 154,213 2,150 10,499 0 0 0 12.00% 1,564 0 0 0 3,714 0.7130 2,648 0 0
35 Mar-20 152,063 2,150 10,499 0 0 0 12.00% 1,542 0 0 0 3,692 0.7059 2,606 0 0
36 Apr-20 149,913 2,150 10,499 0 0 0 12.00% 1,521 0 0 0 3,671 0.6989 2,565 0 0
37 May-20 147,563 2,350 10,499 0 0 0 12.00% 1,499 0 0 0 3,849 0.6920 2,664 0 0
38 Jun-20 145,213 2,350 10,499 0 0 0 12.00% 1,476 0 0 0 3,826 0.6852 2,621 0 0
39 Jul-20 142,863 2,350 10,499 0 0 0 12.00% 1,452 0 0 0 3,802 0.6784 2,579 0 0
40 Aug-20 140,513 2,350 10,499 0 0 0 12.00% 1,429 0 0 0 3,779 0.6717 2,538 0 0
41 Sep-20 138,163 2,350 10,499 0 0 0 12.00% 1,405 0 0 0 3,755 0.6650 2,497 0 0
42 Oct-20 135,813 2,350 10,499 0 0 0 12.00% 1,382 0 0 0 3,732 0.6584 2,457 0 0
43 Nov-20 133,463 2,350 10,499 0 0 0 12.00% 1,358 0 0 0 3,708 0.6519 2,417 0 0
44 Dec-20 131,113 2,350 10,499 0 0 0 12.00% 1,335 0 0 0 3,685 0.6454 2,378 0 0
45 Jan-21 128,763 2,350 10,499 0 0 0 12.00% 1,311 0 0 0 3,661 0.6391 2,340 0 0
46 Feb-21 126,413 2,350 10,499 0 0 0 12.00% 1,288 0 0 0 3,638 0.6327 2,302 0 0
47 Mar-21 124,063 2,350 10,499 0 0 0 12.00% 1,264 0 0 0 3,614 0.6265 2,264 0 0
48 Apr-21 124,063
49 May-21 124,063
50 Jun-21 124,063
51 Jul-21 124,063
52 Aug-21 124,063
53 Sep-21 124,063
54 Oct-21 124,063
55 Nov-21 124,063
56 Dec-21 124,063
57 Jan-22 124,063
58 Feb-22 124,063
59 Mar-22 124,063
60 Apr-22 121,713 2,350 10,499 0 0 0 12.00% 1,241 0 0 0 3,591 0.5504 1,976 0 0
61 May-22 119,063 2,650 10,499 0 0 0 12.00% 1,217 0 0 0 3,867 0.5450 2,108 0 0
62 Jun-22 116,413 2,650 10,499 0 0 0 12.00% 1,191 0 0 0 3,841 0.5396 2,072 0 0
63 Jul-22 113,763 2,650 10,499 0 0 0 12.00% 1,164 0 0 0 3,814 0.5343 2,038 0 0
64 Aug-22 111,113 2,650 10,499 0 0 0 12.00% 1,138 0 0 0 3,788 0.5290 2,004 0 0
65 Sep-22 108,463 2,650 10,499 0 0 0 12.00% 1,111 0 0 0 3,761 0.5237 1,970 0 0
66 Oct-22 105,813 2,650 10,499 0 0 0 12.00% 1,085 0 0 0 3,735 0.5185 1,937 0 0
67 Nov-22 103,163 2,650 10,499 0 0 0 12.00% 1,058 0 0 0 3,708 0.5134 1,904 0 0
68 Dec-22 100,513 2,650 10,499 0 0 0 12.00% 1,032 0 0 0 3,682 0.5083 1,871 0 0
69 Jan-23 97,863 2,650 10,499 0 0 0 12.00% 1,005 0 0 0 3,655 0.5033 1,840 0 0
70 Feb-23 95,213 2,650 10,499 0 0 0 12.00% 979 0 0 0 3,629 0.4983 1,808 0 0
71 Mar-23 92,563 2,650 10,499 0 0 0 12.00% 952 0 0 0 3,602 0.4934 1,777 0 0
72 Apr-23 0 92,563 0 10,499 0 0 12.00% 926 0 0 0 93,489 0.4885 45,669 1,220,700 596,307
Jumlah 219,008 10,499 96,843 315,851 162,814 1,220,700 596,307
Neraca Laporan Laba Rugi

Debitur : Dasun Debitur : Dasun


Status audit : Unaudited Unaudited Unaudited Status audit : Unaudited Unaudited Unaudited

(Rp. 000 ) (Rp. 000 )


No Keterangan 12/31/2012 12/31/2013 12/31/2014 No Keterangan 12/31/2012 12/31/2013 12/31/2014
Aktiva
1 Kas : 3,150 5,690 1,050 1 Penjualan bersih : 1,455,300 1,528,065 1,375,259
2 Bank : 10,645 1,183 152 2 Harga pokok penjualan : 1,164,240 1,222,452 1,100,207
3 Piutang usaha/dagang : 36,900 128,275 134,434 3 Laba kotor : 291,060 305,613 275,052
4 Persediaan barang : 164,216 228,573 177,150 4 Biaya adm.& penjualan : 72,765 76,403 68,763
5 Uang muka : 0 0 0 5 Laba operasional : 218,295 229,210 206,289
6 Proyek dlm progres : 0 0 0 6 Biaya lains : 0 0 0
7 Jumlah aktiva lancar : 214,911 363,721 312,786 7 Pendapatan lains : 0 0 0
8 Aktiva tetap netto : 446,646 412,896 589,146 8 EBITDA : 218,295 229,210 206,289
9 Jumlah aktiva tetap : 446,646 412,896 589,146 9 Biaya bunga pinjaman : 24,054 18,349 28,891
10 Jumlah aktiva : 661,557 776,617 901,932 10 Biaya penyusutan : 49,750 48,750 73,750
Passiva 11 Biaya/Pend Non Ops Lain : 0 0 0
1 Hutang dagang : 0 0 0 12 EBT : 144,491 162,111 103,648
2 Hutang jk.pjg.jt.tempo : 0 0 0 13 Pajak : 35,797 40,527 42,440
3 Hutang bank (BRI) : 149,808 143,284 134,979 14 Laba bersih : 108,694 121,584 61,208
4 Hutang lainnya : 0 0 72,413
5 Jumlah hutang lancar : 149,808 143,284 207,392
6 Hutang jk.panjang (BRI) : 0 0 0
7 Jumlah hutang jk.pjg. : 0 0 0
Perhitungan Repayment Capacity (RPC) : per bulan
8 Jumlah seluruh hutang : 149,808 143,284 207,392
9 Hutang pd.persero/prive : 0 0 0 RPC = 75% x (laba bersih+penyusutan)
10 Modal disetor : 403,055 511,749 633,333 = 75% x 11,246
11 Laba ditahan : 0 0 0 = 8,435 (dlm ribuan)
12 Laba thn.berjalan : 108,694 121,584 61,208
13 Jumlah modal sendiri : 511,749 633,333 694,541
14 Jumlah passiva : 661,557 776,617 901,933
Proyeksi arus kas

Debitur : Dasun
(Rp 000,-)
Proyeksi
Periode Juli 14 - Okt 14 Nov 14 - Jan 15 Feb 15 - April 15 Mei 15 - Juli 15
No Keterangan Jml.bln dlm periode 3 3 3 3
A. Laba Rugi :
1 Penjualan bersih : 386,140 386,140 386,140 386,140
2 Harga pokok penjualan : 308,912 308,912 308,912 308,912
3 Laba kotor : 77,228 77,228 77,228 77,228
4 Biaya adm.& penjualan : 19,307 19,307 19,307 19,307
5 Laba operasional : 57,921 57,921 57,921 57,921
6 Biaya lains : 0 0 0 0
7 Pendapatan lains : 0 0 0 0
8 EBITDA : 57,921 57,921 57,921 57,921
B. Kas awal : 1,050 1,191 1,332 1,472
C. Arus kas masuk :
1 EBITDA (Arus kas operasional tersedia) : 57,921 57,921 57,921 57,921
2 Penjualan aktiva tetap : 0 0 0 0
3 Penambahan modal/setoran prive : 0 0 0 0
4 Penambahan pinjaman (termasuk dr.luar BRI) : 0 0 0 0
5 Arus kas masuk lainnya diluar C.1 s/d C.4 : 0 0 0 0
6 Jumlah arus kas masuk : 57,921 57,921 57,921 57,921
D. Arus kas keluar :
1 Pembelian aktiva tetap : 0 0 0 0
2 Pencairan modal/pengambilan prive : 0 0 0 0
3 Angsuran pinjaman (termasuk diluar BRI) : 0 0 0 0
4 Arus kas keluar lainnya diluar D.1 s/d D.3 : 0 0 0 0
5 Jumlah arus kas keluar : 0 0 0 0
E. Ringkasan arus kas tersedia (A+B-C) : 58,971 59,112 59,253 59,393
F. Penggunaan arus kas tersedia :
1 Pajak : 4,938 4,938 4,938 4,938
2 Pembayaran provisi : 0 0 0 0
3 Pembayaran bunga berjalan KMK efektif : 0 0 0 0
4 Angsuran pokok (suplesi) KMK : 0 0 0 0
5 Angsuran BAP KMK : 0 0 0 0
6 Angsuran bunga ditunda KMK : 0 0 0 0
7 Pembayaran bunga berjalan KI efektif : 9,207 8,052 6,897 5,742
8 Angsuran pokok (suplesi) KI : 42,000 42,000 42,000 42,000
9 Angsuran BAP KI : 1,635 2,790 3,945 4,163
10 Angsuran bunga ditunda KI : 0 0 0 0
11 Angsuran denda : 0 0 0 0
12 Pembayaran tagihan lainnya (a.l biaya administrasi) : 0 0 0 0
13 Jumlah penggunaan kas : 57,780 57,780 57,780 56,843
H. Kas akhir periode (D-E) : 1,191 1,332 1,472 2,550
No Asumsi : 3 Prd. terakhir Juli 14 - Okt 14 Nov 14 - Jan 15 Feb 15 - April 15 Mei 15 - Juli 15
1 Proyeksi kenaikan penjualan/bulan : 128,713 0.0% 0.00% 0.00% 0.00%
2 Proyeksi harga pokok penjualan/bulan (% thd.penj.) : 80.00% 80.00% 80.00% 80.00% 80.00%
3 Proyeksi biaya adm.& penjualan/bulan (% thd.penj.) : 5.00% 5.00% 5.00% 5.00% 5.00%
4 Penjualan aktiva tetap : 0 0 0 0
5 Penambahan modal/setoran prive : 0 0 0 0
6 Penambahan pinjaman (termasuk dr.luar BRI) : 0 0 0 0
7 Arus kas masuk lainnya diluar C.1 s/d C.4 : 0 0 0 0
8 Pembelian aktiva tetap : 0 0 0 0
9 Pencairan modal/pengambilan prive : 0 0 0 0
10 Angsuran pinjaman (termasuk diluar BRI) : 0 0 0 0
11 Arus kas keluar lainnya diluar D.1 s/d D.3 : 0 0 0 0
12 Tarif pajak s/d 25 juta : 0.05 0.05 0.05 0.05
13 Tarif pajak > 25 s/d 50 juta : 0.10 0.10 0.10 0.10
14 Tarif pajak > 50 s/d 100 juta : 0.15 0.15 0.15 0.15
15 Tarif pajak >100 s/d 200 juta : 0.25 0.25 0.25 0.25
16 Tarif pajak > 200 juta : 0.35 0.35 0.35 0.35
17 Tarif provisi : 0.0000 0.000 0.000 0.000
18 Saldo provisi : 0 0 0 0 0
19 Suku bunga KMK : 0.0% 0.0% 0.0% 0.0%
20 Suku bunga KMK efektif dibayar : 0.0% 0.0% 0.0% 0.0%
21 Kewajiban bunga berjalan KMK/periode : 0 0 0 0
22 Saldo pinjaman KMK (akhir periode) : 0 0 0 0 0
23 Saldo BAP KMK (akhir periode) : 0 0 0 0 0
24 Bunga berjalan ditunda KMK/periode : 0 0 0 0
25 Saldo bunga ditunda KMK : 0 0 0 0 0
26 Suku bunga KI : 11.0% 11.0% 11.0% 11.0%
27 Suku bunga KI efektif dibayar : 11.0% 11.0% 11.0% 11.0%
28 Kewajiban bunga berjalan KI/periode : 9,207 8,052 6,897 5,742
29 Saldo pinjaman KI (akhir periode) : 334,800 292,800 250,800 208,800 166,800
30 Saldo BAP KI (akhir periode) : 10,499 8,864 6,074 2,129 (2,034)
31 Bunga berjalan ditunda KI/periode : 0 0 0 0
32 Saldo bunga ditunda KI : 0 0 0 0 0
33 Saldo denda : 0 0 0 0 0
34 Saldo tagihan lainnya : 0 0 0 0 0
35 Angsuran sesuai janji debitur : 0 0 0 0
Analisis Agunan

Debitur : Hadi Nurmanto

(Rp 000,-)
NPW PNPW NL PNL

T/B 0 0 0 0
T/B 0 0 0 0
T/B 0 0 0 0
Bangunan 0 0 0 0
Tanah 1,220,700 1,342,770 1,098,630 1,208,493
Mesin 0 0 0 0
Kendaraan 0 0 0 0
Kendaraan 0 0 0
Kendaraan 0 0 0

Total 1,220,700 1,342,770 1,098,630 1,208,493


Porsi biad dan uang miskin 6.0%
Biad & uang miskin 72,510
Total diterima 1,135,983
ANALISIS KEUNTUNGAN/KERUGIAN RESTRUKTURISASI

Debitur : Razudin

(Rp 000,-)
Sebelum Restrukturisasi Kolektibilitas 4
PPAP 109,504
Setelah Restrukturisasi Kolektibilitas 1
PPAP 1,628
Kelebihan PPAP 107,876
Cadangan Restrukturisasi -
Keuntungan (kerugian) Restrukturisasi 107,876
KESIMPULAN

Debitur : Hadi Nurmanto

(Rp 000,-)
1. Pokok pinjaman = 219,008 > PV restrukturisasi pinjaman = 162,814 ---> Tidak layak
2. PV restrukturisasi pinjaman = 162,814 < PV eksekusi agunan melalui DJPLN/KP2LN = 596,307 ---> Tidak layak
3. Keuntungan restrukturisasi melalui penghematan PPAP = 107,876 ---> Layak
4 Pokok pinjaman = 219,008 < PV Restruk + PPAP = 270,690 ---> Layak