PT.

NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

No : 1/2017 15 Desember 2017

Lamp. : 10 (sepuluh) lampiran
Hal : Penyampaian Rencana Finansial

Kepada
Yth. Dr. Ir. Tri Yanto, M.T.
di Purwokerto

Assalamu’alaikum Wr. Wb.

Bersama ini kami sampaikan Rencana Finansial Tahunan PT. NURANI HATI secara garis
besar dari Anggaran Tahun ke-0 sampai tahun ke-5. Sebagaiamana yang dipersyaratkan
terlampir. Berdasarkan analisis sensitifitas pada PT. NURANI HATI maka kami sajikan hasil dari
analisis sensitifitas pada tabel dibawah ini:
NVP IRR PI PBP
Kondisi normal 8.282.481.281 65,252% 3,55 1,44
Penjualan turun 3 % 7.065.277.869 56,549% 3,18 1,61
Penjualan turun 4% 6.659.543.399 53,613% 3,05 1,68
Biaya produksi variable naik 4% 7.700.190.281 61.107% 3,37 1,52
Biaya produksi variable naik 5% 7.554.617.531 60,065% 3,33 1,54
Demikian penyampaian rencana finansial ini kami sampaikan. Atas perhatiannya kami
ucapkan terimakasih.
Wassalamu’alaikum Wr.Wb

Hormat kami,
PT. NURANI HATI,

Tanty Purwaning Atmajayanti

Lampiran 1. Asumsi dan Parameter untuk Analisis Keuangan

No Asumsi Satuan Jumlah

 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

1 Periode proyek Tahun 5

2 Bulan kerja per tahun Bulan 12
3 Hari kerja per bulan Hari 25
4 Produksi VCO per bulan Liter 3.750
5 Volume penjualan Liter 3.750
6 Rendemen produksi % 75
7 Tenaga kerja bersifat tetap Orang 115
8 Discount rate/suku bunga % 12
9 Proporsi Kredit
Kredit % 70
Modal sendiri % 30
10 Jangka waktu kredit investasi Tahun 5
11 Jangka waktu kredit modal kerja Tahun 2

Lampiran 2. Kebutuhan Biaya Investasi

No Jenis biaya Satuan Jumlah Harga/ Total biaya(Rp) Umur Penyusutan/ Nilai sisa
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Thn ke 5
satuan (Rp) tahun) tahun (Rp)
(Rp)

1 Perizinan 18.750.000 5
2 Tanah/lahan m2 2.500 200.000 500.000.000
3 Bangunan pabrik m2 1.750 300.000 525.000.000 15 31.500.000 52.500.000
4 Truk box Unit 6 240.000.000 1.440.000.000 15 86.400.000 144.000.000
Peralatan Produksi
Mesin pengupas buah
5 kelapa Unit 5 4.000.000 20.000.000 5 4.000.000
Mesin pemarut buah
6 kelapa Unit 5 3.400.000 17.000.000 5 3.400.000
7 Mesin pemeras santan Unit 5 9.000.000 45.000.000 5 9.000.000
8 Filling bottle machine Unit 5 45.000.000 225.000.000 5 45.000.000
9 Mesin sentrifuse Unit 5 9.500.000 47.500.000 10 4.275.000 4.750.000
10 Mesin vacuum frying Unit 5 15.500.000 77.500.000 5 15.500.000
11 Tangki pendingin Unit 5 19.500.000 97.500.000 10 8.775.000 9.750.000
12 Ember/wadah besar Unit 30 100.000 3.000.000 5 540.000 300.000
13 Rak besar Unit 20 500.000 10.000.000 5 1.800.000 1.000.000
14 Oven Unit 5 8.400.000 42.000.000 5 7.560.000 4.200.000
15 Drum Unit 10 500.000 5.000.000 5 900.000 500.000
Utilitas
16 Instalasi listrik Unit 1 2.500.000 2.500.000
17 Instalasi air Unit 1 1.500.000 1.500.000
Instalasi telepon dan
18 internet Unit 1 1.000.000 1.000.000
19 Generator Unit 2 6.000.000 12.000.000 10 1.080.000 1.200.000
20 Alat pemadam kebakaran Unit 24 415.000 9.960.000 5 1.992.000
21 Tempat sampah Unit 24 1.250.000 30.000.000 5 5.400.000 3.000.000
22 Pakaian steril karyawan Unit 115 400.000 46.000.000
22 AC Unit 24 2.800.000 67.200.000 5 13.440.000
Peralatan Kantor 0
23 Komputer Unit 11 5.000.000 55.000.000 5 11.000.000
24 Meja dan kursi kantor Unit 11 560.000 6.160.000 5 1.232.000
25 ATK Paket 2 300.000 600.000 5 120.000
26 Sofa dan meja tamu Unit 1 2.350.000 2.350.000 5 470.000
27 Printer Unit 5 2.000.000 10.000.000 5 2.000.000
JUMLAH 3.243.410.000,0 255.384.000 221.200.000

Lampiran 3. Kebutuhan Biaya Operasional (Biaya Variabel)

No Uraian Satuan Jumlah Total per Total per Tahun (Rp)

 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Harga per
Kebutuhan per
Satuan Bulan (Rp)
bulan
(Rp)
Bahan Baku
1 Kelapa buah 8.000 5.625 45.000.000 540.000.000
2 Botol spray buah 7.500 25.000 187.500.000 2.250.000.000
3 Dus kemasan buah 5.000 25.000 125.000.000 1.500.000.000
4 Dus besar buah 10.000 500 5.000.000 60.000.000
Jumlah bahan baku 5.625 45.000.000 4.350.000.000

Lampiran 4. Kebutuhan Biaya Overhead (Biaya Tetap)

 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Harga per Jumlah Total per Total per

No Uraian Satuan
Satuan (Rp) Kebutuhan Bulan (Rp) Tahun (Rp)
Tenaga Kerja
1 Manajer orang 5.000.000 3 15.000.000 180.000.000
2 Tenaga pengupas kelapa orang 1.800.000 10 18.000.000 216.000.000
3 Tenaga pemarut kelapa orang 1.800.000 10 18.000.000 216.000.000
Tenaga pemerasan dan
4 penyaringan kelapa orang 1.900.000 12 22.800.000 273.600.000
Tenaga pemisah cream,
5 skim, dan endapan orang 1.950.000 10 19.500.000 234.000.000
Tenaga pemanasan
6 minyak orang 1.800.000 10 18.000.000 216.000.000
7 Tenaga pengemas orang 1.850.000 15 27.750.000 333.000.000
8 Supir orang 1.500.000 6 9.000.000 108.000.000
9 Satpam orang 1.450.000 6 8.700.000 104.400.000
10 Marketing orang 2.000.000 5 10.000.000 120.000.000
11 Tenaga quality control orang 2.250.000 5 11.250.000 135.000.000
12 Salesman orang 2.000.000 10 20.000.000 240.000.000
13 Supervisor orang 4.000.000 3 12.000.000 144.000.000
14 Office boy orang 1.750.000 10 17.500.000 210.000.000
Jumlah Tenaga Kerja 115 227.500.000 2.730.000.000
8 Listrik bulan 2.500.000 1 2.500.000 30.000.000
9 Air bulan 1.500.000 1 1.500.000 18.000.000
10 Telepon dan internet bulan 1.000.000 1 1.000.000 12.000.000
11 Transportasi hari 700.000 25 17.500.000 210.000.000
12 Perawatan bangunan tahun 2.500.000 1 2.500.000 30.000.000
13 Perawatan kendaraan bulan 2.000.000 1 2.000.000 24.000.000
14 Pajak Bumi & Bangunan bulan 1.025.000 1 1.025.000 12.300.000
15 Asuransi bangunan bulan 1.000.000 1 1.000.000 12.000.000
Penggantian surat-surat
16 kendaraan tahun 600.000 1 600.000 7.200.000
Jumlah Total 232.500.000 3.085.500.000

Lampiran 5. Pengembalian Kredit Investasi pada PT. Nurani Hati

 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

KREDIT ANGSURAN ANGSURAN TOTAL SALDO

PERIODE SALDO AWAL
INVESTASI POKOK BUNGA ANGSURAN AKHIR

Tahun-0 2.270.387.000 2.270.387.000 2.270.387.000

Bulan -1 37.839.783 22.703.870 60.543.653 2.270.387.000 2.232.547.217
Bulan -2 37.839.783 22.325.472 60.165.256 2.232.547.217 2.194.707.433
Bulan -3 37.839.783 21.947.074 59.786.858 2.194.707.433 2.156.867.650
Bulan -4 37.839.783 21.568.677 59.408.460 2.156.867.650 2.119.027.867
Bulan -5 37.839.783 21.190.279 59.030.062 2.119.027.867 2.081.188.083
Bulan -6 37.839.783 20.811.881 58.651.664 2.081.188.083 2.043.348.300
Bulan -7 37.839.783 20.433.483 58.273.266 2.043.348.300 2.005.508.517
Bulan -8 37.839.783 20.055.085 57.894.869 2.005.508.517 1.967.668.733
Bulan -9 37.839.783 19.676.687 57.516.471 1.967.668.733 1.929.828.950
Bulan -10 37.839.783 19.298.290 57.138.073 1.929.828.950 1.891.989.167
Bulan -11 37.839.783 18.919.892 56.759.675 1.891.989.167 1.854.149.383
Bulan -12 37.839.783 18.541.494 56.381.277 1.854.149.383 1.816.309.600

Tahun-1 454.077.400 247.472.183 701.549.583

Bulan -1 37.839.783 18.163.096 56.002.879 1.816.309.600 1.778.469.817
Bulan -2 37.839.783 17.784.698 55.624.482 1.778.469.817 1.740.630.033
Bulan -3 37.839.783 17.406.300 55.246.084 1.740.630.033 1.702.790.250
Bulan -4 37.839.783 17.027.903 54.867.686 1.702.790.250 1.664.950.467
Bulan -5 37.839.783 16.649.505 54.489.288 1.664.950.467 1.627.110.683
Bulan -6 37.839.783 16.271.107 54.110.890 1.627.110.683 1.589.270.900
Bulan -7 37.839.783 15.892.709 53.732.492 1.589.270.900 1.551.431.117
Bulan -8 37.839.783 15.514.311 53.354.095 1.551.431.117 1.513.591.333
Bulan -9 37.839.783 15.135.913 52.975.697 1.513.591.333 1.475.751.550
Bulan -10 37.839.783 14.757.516 52.597.299 1.475.751.550 1.437.911.767
Bulan -11 37.839.783 14.379.118 52.218.901 1.437.911.767 1.400.071.983
Bulan -12 37.839.783 14.000.720 51.840.503 1.400.071.983 1.362.232.200

Tahun-2 454.077.400 192.982.895 647.060.295

KREDIT ANGSURAN ANGSURAN TOTAL SALDO

PERIODE SALDO AWAL
INVESTASI POKOK BUNGA ANGSURAN AKHIR
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Bulan -1 37.839.783 13.622.322 51.462.105 1.362.232.200 1.324.392.417

Bulan -2 37.839.783 13.243.924 51.083.708 1.324.392.417 1.286.552.633
Bulan -3 37.839.783 12.865.526 50.705.310 1.286.552.633 1.248.712.850
Bulan -4 37.839.783 12.487.129 50.326.912 1.248.712.850 1.210.873.067
Bulan -5 37.839.783 12.108.731 49.948.514 1.210.873.067 1.173.033.283
Bulan -6 37.839.783 11.730.333 49.570.116 1.173.033.283 1.135.193.500
Bulan -7 37.839.783 11.351.935 49.191.718 1.135.193.500 1.097.353.717
Bulan -8 37.839.783 10.973.537 48.813.321 1.097.353.717 1.059.513.933
Bulan -9 37.839.783 10.595.139 48.434.923 1.059.513.933 1.021.674.150
Bulan -10 37.839.783 10.216.742 48.056.525 1.021.674.150 983.834.367
Bulan -11 37.839.783 9.838.344 47.678.127 983.834.367 945.994.583
Bulan -12 37.839.783 9.459.946 47.299.729 945.994.583 908.154.800

Tahun-3 454.077.400 138.493.607 592.571.007

Bulan -1 37.839.783 9.081.548 46.921.331 908.154.800 870.315.017
Bulan -2 37.839.783 8.703.150 46.542.934 870.315.017 832.475.233
Bulan -3 37.839.783 8.324.752 46.164.536 832.475.233 794.635.450
Bulan -4 37.839.783 7.946.355 45.786.138 794.635.450 756.795.667
Bulan -5 37.839.783 7.567.957 45.407.740 756.795.667 718.955.883
Bulan -6 37.839.783 7.189.559 45.029.342 718.955.883 681.116.100
Bulan -7 37.839.783 6.811.161 44.650.944 681.116.100 643.276.317
Bulan -8 37.839.783 6.432.763 44.272.547 643.276.317 605.436.533
Bulan -9 37.839.783 6.054.365 43.894.149 605.436.533 567.596.750
Bulan -10 37.839.783 5.675.968 43.515.751 567.596.750 529.756.967
Bulan -11 37.839.783 5.297.570 43.137.353 529.756.967 491.917.183
Bulan -12 37.839.783 4.919.172 42.758.955 491.917.183 454.077.400

Tahun-4 454.077.400 84.004.319 538.081.719

KREDIT ANGSURAN ANGSURAN TOTAL SALDO

PERIODE SALDO AWAL
INVESTASI POKOK BUNGA ANGSURAN AKHIR

Bulan -1 37.839.783 4.540.774 42.380.557 454.077.400 416.237.617

Bulan -2 37.839.783 4.162.376 42.002.160 416.237.617 378.397.833
Bulan -3 37.839.783 3.783.978 41.623.762 378.397.833 340.558.050
Bulan -4 37.839.783 3.405.581 41.245.364 340.558.050 302.718.267
Bulan -5 37.839.783 3.027.183 40.866.966 302.718.267 264.878.483
Bulan -6 37.839.783 2.648.785 40.488.568 264.878.483 227.038.700
Bulan -7 37.839.783 2.270.387 40.110.170 227.038.700 189.198.917
Bulan -8 37.839.783 1.891.989 39.731.773 189.198.917 151.359.133
Bulan -9 37.839.783 1.513.591 39.353.375 151.359.133 113.519.350
Bulan -10 37.839.783 1.135.194 38.974.977 113.519.350 75.679.567
Bulan -11 37.839.783 756.796 38.596.579 75.679.567 37.839.783
Bulan -12 37.839.783 378.398 38.218.181 37.839.783 0

Tahun-5 454.077.400 29.515.031 483.592.431

Lampiran 6. Pengembalian Kredit Modal Kerja pada Rolling Oil

KREDIT ANGSURAN ANGSURAN TOTAL SALDO SALDO

PERIODE
INVESTASI POKOK BUNGA ANGSURAN AWAL AKHIR
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Tahun-1 973.023.000 973.023.000 973.023.000

Bulan -1 40.542.625 9.730.230 50.272.855 973.023.000 932.480.375
Bulan -2 40.542.625 9.324.804 49.867.429 932.480.375 891.937.750
Bulan -3 40.542.625 8.919.378 49.462.003 891.937.750 851.395.125
Bulan -4 40.542.625 8.513.951 49.056.576 851.395.125 810.852.500
Bulan -5 40.542.625 8.108.525 48.651.150 810.852.500 770.309.875
Bulan -6 40.542.625 7.703.099 48.245.724 770.309.875 729.767.250
Bulan -7 40.542.625 7.297.673 47.840.298 729.767.250 689.224.625
Bulan -8 40.542.625 6.892.246 47.434.871 689.224.625 648.682.000
Bulan -9 40.542.625 6.486.820 47.029.445 648.682.000 608.139.375
Bulan -10 40.542.625 6.081.394 46.624.019 608.139.375 567.596.750
Bulan -11 40.542.625 5.675.968 46.218.593 567.596.750 527.054.125
Bulan -12 40.542.625 5.270.541 45.813.166 527.054.125 486.511.500

Tahun-1 486.511.500 90.004.628 576.516.128

Bulan -1 40.542.625 4.865.115 45.407.740 486.511.500 445.968.875
Bulan -2 40.542.625 4.459.689 45.002.314 445.968.875 405.426.250
Bulan -3 40.542.625 4.054.263 44.596.888 405.426.250 364.883.625
Bulan -4 40.542.625 3.648.836 44.191.461 364.883.625 324.341.000
Bulan -5 40.542.625 3.243.410 43.786.035 324.341.000 283.798.375
Bulan -6 40.542.625 2.837.984 43.380.609 283.798.375 243.255.750
Bulan -7 40.542.625 2.432.558 42.975.183 243.255.750 202.713.125
Bulan -8 40.542.625 2.027.131 42.569.756 202.713.125 162.170.500
Bulan -9 40.542.625 1.621.705 42.164.330 162.170.500 121.627.875
Bulan -10 40.542.625 1.216.279 41.758.904 121.627.875 81.085.250
Bulan -11 40.542.625 810.853 41.353.478 81.085.250 40.542.625
Bulan -12 40.542.625 405.426 40.948.051 40.542.625 0

Tahun-2 486.511.500 31.623.248 518.134.748

Lampiran 7. Perkembangan Harga Produk

Harga Tahun Harga Tahun Harga Tahun Harga Tahun

No Jenis Produk Satuan
2014 2015 2016 2017
1 VCO botol (150 ml) 38.000 38.000 40.000 40.000
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

2 Sabut kg 2.500 2.500 3.000 3.000

3 Tempurung kelapa kg 1.000 1.000 1.500 1.500
4 Air kelapa liter 200 200 250 250
5 Blondo kg 9.000 9.000 10.000 10.000
6 Ampas kelapa kg 1.700 1.700 1.700 1.700
7 Pakan ternak kg 1.000 1.000 1.500 1.500

Lampiran 8. Proyeksi Penjualan Produk

Harga Total Penjualan Total Penjualan

No Jenis Produk Satuan Volume
/Satuan(Rp) per Bulan (Rp) per Tahun (Rp)
VCO botol (150 40.0 25.0 1.000.000.0 12.000.000.0
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

1 ml) 00 00 00 00
3.0 5 1.687.5 20.250.0
2 Sabut kg 00 63 00 00
Tempurung 1.5 1.1 1.687.5 20.250.0
3 kelapa kg 00 25 00 00
2 1.4 351.5 4.218.7
4 Air kelapa liter 50 06 63 50
10.0 5 5.625.0 67.500.0
5 Blondo kg 00 63 00 00
1.7 5 956.2 11.475.0
6 Ampas kelapa kg 00 63 50 00
1.5 37.5 450.0
7 Pakan ternak kg 00 25 00 00

Jumlah 1.001.687.500 12.124.143.750

Lampiran 9. Proyeksi Rugi Laba Usaha

Tahun
No Uraian
1 2 3 4 5
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

80% 90% 100% 100% 100%

A Penerimaan Penjualan
Total Penjualan 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.124.143.750

B Pengeluaran
Biaya Variabel 3.480.000.000 3.915.000.000 4.350.000.000 4.350.000.000 4.350.000.000
Biaya Tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
Depresiasi 255.384.000 255.384.000 255.384.000 255.384.000 255.384.000
Angsuran Bunga 337.476.811 224.606.143 138.493.607 84.004.319 29.515.031
Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000

C Total Pengeluaran 7.218.360.811 7.540.490.143 7.889.377.607 7.834.888.319 7.780.399.031

D R/L Sebelum Pajak 2.480.954.190 3.371.239.233 4.234.766.143 4.289.255.431 4.343.744.719

Pajak (25%) 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180

E Laba Setelah Pajak 1.860.715.642 2.528.429.424 3.176.074.607 3.216.941.573 3.257.808.539

F Profit on Sales 19,18% 23,17% 26,20% 26,53% 26,87%

Profit on Sales rata-
rata 24,39%

G BEP: Rupiah 5.103.501.716 5.458.493.287 5.834.949.000 5.834.949.000 5.834.949.000

Lampiran 10. Proyeksi Arus Kas dan Kelayakan Usaha

TAHUN
NO URAIAN
0 1 2 3 4 5
A ARUS MASUK
i. Penerimaan 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.124.143.750
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

Penjualan
ii. Kredit
- Investasi 2.270.387.000
- Modal Kerja 973.023.000
iii. Modal Sendiri
- Investasi 973.023.000
- Modal Kerja 417.009.857 -
iv. Nilai Sisa 221.200.000
Total Arus Masuk 3.243.410.000 11.089.347.857 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Arus Masuk untuk
- 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Menghitung IRR

B ARUS KELUAR
i. Biaya Investasi 3.243.410.000
ii. Angsuran Tetap
940.588.900 940.588.900 454.077.400 454.077.400 454.077.400
(KI + KMK)
iii. Bunga (KI +
337.476.811 224.606.143 29.515.031
KMK) 138.493.607 84.004.319
iv. Biaya Variabel 3.480.000.000 3.915.000.000 4.350.000.000 4.350.000.000 4.350.000.000
v. Biaya tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
vi.
Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
vii.Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000
ix. Pajak 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180
Total Arus Keluar 3.243.410.000 8.523.804.258 9.068.504.851 9.146.762.543 9.105.895.577 9.065.028.611
Arus Keluar untuk
3.243.410.000 7.245.738.547 7.903.309.808 8.554.191.536 8.567.813.858 8.581.436.180
Menghitung IRR

ARUS BERSIH
(NET CASH 2.565.543.599 1.843.224.524 2.977.381.207 3.018.248.173 3.280.315.139
FLOW )
Cash Flow untuk
C (3.243.410.000) 2.453.576.453 3.008.419.567 3.569.952.214 3.556.329.892 3.763.907.570
Menghitung IRR
Discount Factor
1 0,8929 0,7972 0,7118 0,6355 0,5674
(12%)
D PRESENT VALUE (3.243.410.000) 2.190.798.415 2.398.312.079 2.541.091.986 2.260.047.647 2.135.641.155
E CUMMULATIF (3.243.410.000) (1.052.611.585) 1.345.700.493 3.886.792.479 6.146.840.126 8.282.481.281

NPV (12%) 8.282.481.281

IRR 65,252%
PI 3,55
PBP (Tahun) 1,44

Lampiran 11. Proyeksi Arus Kas Penjualan Turun 3%

N TAHUN
URAIAN
O 0 1 2 3 4 5
A ARUS MASUK
i. Penerimaan Penjualan 9.408.335.550 10.584.377.494 11.760.419.438 11.760.419.438 11.760.419.438
ii. Kredit
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

- Investasi 2.270.387.000
- Modal Kerja 973.023.000
iii. Modal Sendiri
- Investasi 973.023.000
- Modal Kerja 417.009.857 -
iv. Nilai Sisa 221.200.000
Total Arus Masuk 3.243.410.000 10.798.368.407 10.584.377.494 11.760.419.438 11.760.419.438 11.981.619.438
Arus Masuk untuk
- 9.408.335.550 10.584.377.494 11.760.419.438 11.760.419.438 11.981.619.438
Menghitung IRR

B ARUS KELUAR
i. Biaya Investasi 3.243.410.000
ii. Angsuran Tetap (KI +
940.588.900 940.588.900 454.077.400 454.077.400 454.077.400
KMK)
iii. Bunga (KI + KMK) 337.476.811 224.606.143 138.493.607 84.004.319 29.515.031
iv. Biaya Variabel 3.480.000.000 3.915.000.000 4.350.000.000 4.350.000.000 4.350.000.000
v. Biaya tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
vi. Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
vii.Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000
ix. Pajak 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180
Total Arus Keluar 3.243.410.000 8.523.804.258 9.068.504.851 9.146.762.543 9.105.895.577 9.065.028.611
Arus Keluar untuk
3.243.410.000 7.245.738.547 7.903.309.808 8.554.191.536 8.567.813.858 8.581.436.180
Menghitung IRR

ARUS BERSIH (NET

2.274.564.149 1.515.872.643 2.613.656.895 2.654.523.861 2.916.590.827
CASH FLOW )
Cash Flow untuk
C (3.243.410.000) 2.162.597.003 2.681.067.686 3.206.227.902 3.192.605.580 3.400.183.258
Menghitung IRR
Discount Factor (12%) 1 0,8929 0,7972 0,7118 0,6355 0,5674

D PRESENT VALUE (3.243.410.000) 1.930.982.864 2.137.347.159 2.282.193.020 2.028.900.846 1.929.263.980

E CUMMULATIF (3.243.410.000) (1.312.427.136) 824.920.023 3.107.113.043 5.136.013.889 7.065.277.869

NPV (12%) 7.065.277.869

IRR 56,549%
PI 3,18
PBP (Tahun) 1,61

Lampiran 12. Proyeksi Arus Kas Penjualan Turun 4%

TAHUN
NO URAIAN
0 1 2 3 4 5
A ARUS MASUK
i. Penerimaan Penjualan 9.311.342.400 10.475.260.200 11.639.178.000 11.639.178.000 11.639.178.000
ii. Kredit
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

- Investasi 2.270.387.000
- Modal Kerja 973.023.000
iii. Modal Sendiri
- Investasi 973.023.000
- Modal Kerja 417.009.857 -
iv. Nilai Sisa 221.200.000
Total Arus Masuk 3.243.410.000 10.701.375.257 10.475.260.200 11.639.178.000 11.639.178.000 11.860.378.000
Arus Masuk untuk
- 9.311.342.400 10.475.260.200 11.639.178.000 11.639.178.000 11.860.378.000
Menghitung IRR

B ARUS KELUAR
i. Biaya Investasi 3.243.410.000
ii. Angsuran Tetap (KI +
940.588.900 940.588.900 454.077.400 454.077.400 454.077.400
KMK)
iii. Bunga (KI + KMK) 337.476.811 224.606.143 138.493.607 84.004.319 29.515.031
iv. Biaya Variabel 3.480.000.000 3.915.000.000 4.350.000.000 4.350.000.000 4.350.000.000
v. Biaya tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
vi. Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
vii.Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000
ix. Pajak 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180
Total Arus Keluar 3.243.410.000 8.523.804.258 9.068.504.851 9.146.762.543 9.105.895.577 9.065.028.611
Arus Keluar untuk
3.243.410.000 7.245.738.547 7.903.309.808 8.554.191.536 8.567.813.858 8.581.436.180
Menghitung IRR

ARUS BERSIH (NET

2.177.570.999 1.406.755.349 2.492.415.457 2.533.282.423 2.795.349.389
CASH FLOW )
Cash Flow untuk
C (3.243.410.000) 2.065.603.853 2.571.950.392 3.084.986.464 3.071.364.142 3.278.941.820
Menghitung IRR
Discount Factor (12%) 1 0,8929 0,7972 0,7118 0,6355 0,5674

D PRESENT VALUE (3.243.410.000) 1.844.377.680 2.050.358.852 2.195.893.365 1.951.851.912 1.860.471.589

E CUMMULATIF (3.243.410.000) (1.399.032.320) 651.326.532 2.847.219.898 4.799.071.810 6.659.543.399

NPV (12%) 6.659.543.399

IRR 53,613%
PI 3,05
PBP (Tahun) 1,68

Lampiran 13. Proyeksi Arus Kas Biaya Produksi Variabel Naik 4%

TAHUN
NO URAIAN
0 1 2 3 4 5
A ARUS MASUK
i. Penerimaan Penjualan 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.124.143.750
ii. Kredit
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

- Investasi 2.270.387.000
- Modal Kerja 973.023.000
iii. Modal Sendiri
- Investasi 973.023.000
- Modal Kerja 417.009.857 -
iv. Nilai Sisa 221.200.000
Total Arus Masuk 3.243.410.000 11.089.347.857 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Arus Masuk untuk
- 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Menghitung IRR

B ARUS KELUAR
i. Biaya Investasi 3.243.410.000
ii. Angsuran Tetap (KI +
940.588.900 940.588.900 454.077.400 454.077.400 454.077.400
KMK)
iii. Bunga (KI + KMK) 337.476.811 224.606.143 138.493.607 84.004.319 29.515.031
iv. Biaya Variabel 3.619.200.000 4.071.600.000 4.524.000.000 4.524.000.000 4.524.000.000
v. Biaya tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
vi. Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
vii.Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000
ix. Pajak 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180
Total Arus Keluar 3.243.410.000 8.663.004.258 9.225.104.851 9.320.762.543 9.279.895.577 9.239.028.611
Arus Keluar untuk
3.243.410.000 7.384.938.547 8.059.909.808 8.728.191.536 8.741.813.858 8.755.436.180
Menghitung IRR

ARUS BERSIH (NET

2.426.343.599 1.686.624.524 2.803.381.207 2.844.248.173 3.106.315.139
CASH FLOW )
Cash Flow untuk
C (3.243.410.000) 2.314.376.453 2.851.819.567 3.395.952.214 3.382.329.892 3.589.907.570
Menghitung IRR
Discount Factor (12%) 1 0,8929 0,7972 0,7118 0,6355 0,5674

D PRESENT VALUE (3.243.410.000) 2.066.506.735 2.273.470.559 2.417.238.786 2.149.470.647 2.036.913.555

E CUMMULATIF (3.243.410.000) (1.176.903.265) 1.096.567.293 3.513.806.079 5.663.276.726 7.700.190.281

NPV (12%) 7.700.190.281

IRR 61,107%
PI 3,37
PBP (Tahun) 1,52

Lampiran 14. Proyeksi Arus Kas Biaya Produksi Variabel Naik 5%

TAHUN
NO URAIAN
0 1 2 3 4 5
A ARUS MASUK
i. Penerimaan
Penjualan 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.124.143.750
ii. Kredit
 PT. NURANI HATI
CANTIQUE VCO
Jl. Tentara Pelajar No. 16 Cikoneng, Ciamis | Jawa Barat 46261
(0265)321295 |  nuranihati@gmail.com
www.nuranihati.com

- Investasi 2.270.387.000
- Modal Kerja 973.023.000
iii. Modal Sendiri
- Investasi 973.023.000
- Modal Kerja 417.009.857 -
iv. Nilai Sisa 221.200.000
Total Arus Masuk 3.243.410.000 11.089.347.857 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Arus Masuk untuk
- 9.699.315.000 10.911.729.375 12.124.143.750 12.124.143.750 12.345.343.750
Menghitung IRR

B ARUS KELUAR
i. Biaya Investasi 3.243.410.000
ii. Angsuran Tetap (KI
940.588.900 940.588.900 454.077.400 454.077.400 454.077.400
+ KMK)
iii. Bunga (KI + KMK) 337.476.811 224.606.143 138.493.607 84.004.319 29.515.031
iv. Biaya Variabel 3.654.000.000 4.110.750.000 4.567.500.000 4.567.500.000 4.567.500.000
v. Biaya tetap 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000 3.085.500.000
vi.
Pemasaran/Distribusi 5.000.000 5.000.000 5.000.000 5.000.000 5.000.000
vii.Promosi 55.000.000 55.000.000 55.000.000 55.000.000 55.000.000
ix. Pajak 620.238.547 842.809.808 1.058.691.536 1.072.313.858 1.085.936.180
Total Arus Keluar 3.243.410.000 8.697.804.258 9.264.254.851 9.364.262.543 9.323.395.577 9.282.528.611
Arus Keluar untuk
3.243.410.000 7.419.738.547 8.099.059.808 8.771.691.536 8.785.313.858 8.798.936.180
Menghitung IRR

ARUS BERSIH (NET

2.391.543.599 1.647.474.524 2.759.881.207 2.800.748.173 3.062.815.139
CASH FLOW )
Cash Flow untuk
C (3.243.410.000) 2.279.576.453 2.812.669.567 3.352.452.214 3.338.829.892 3.546.407.570
Menghitung IRR
Discount Factor (12%) 1 0,8929 0,7972 0,7118 0,6355 0,5674

D PRESENT VALUE (3.243.410.000) 2.035.433.815 2.242.260.179 2.386.275.486 2.121.826.397 2.012.231.655

E CUMMULATIF (3.243.410.000) (1.207.976.185) 1.034.283.993 3.420.559.479 5.542.385.876 7.554.617.531

NPV (12%) 7.554.617.531

IRR 60,065%
PI 3,33
PBP (Tahun) 1,54