CASE STUDY - RENTAL HARIAN

Investasi kendaraan Asumsi

Avanza G MT OTR ### Okupasi Sewa 75% 21 hari / bulan
Discount (2,000,000) Jarak tempuh 125 Km / hari
Asesoris Tambahan 1,000,000 2,625 Km / Bulan
Asuransi Kendaraan 3 Th ### Tanpa Mobil Pengganti
Total Investasi : ### Biaya Overhead untuk 3 - 5 unit kendaraan

Estimasi Pendapatan : Pendanaan :

per hari / tanpa sopir 400,000 Modal 20% ### *) TDP
Income per bulan 8,400,000 Hutang 80% ### *) Kredit
###
Biaya- Biaya :
Perawatan rutin kendaraan per Tahun per Bulan
Tahun 1 1.50% 2,230,500 185,875
Tahun 2 2.00% 2,974,000 247,833
Tahun 3 2.50% 3,717,500 309,792
Perpanjangan STNK
Tahun 2 1.30% 1,933,100 161,092
Tahun 3 1.20% 1,784,400 148,700
Tahun 4 1.00% 1,487,000 123,917

Biaya Mobilisasi Kendaraan 300,000 25,000

General Admin & Office
Sumber Daya Manusia 3,000,000 250,000
Overhead Kantor - -
Office Supplies 120,000 10,000
Biaya Pemasaran 600,000 50,000
 SIMULASI PENDAPATAN USAHA RENTAL
Nama Cabang
Nama Customer CV NIRMALA PRIMA USAHA
Application ID
Tanggal Simulasi 01-Jul-10
Catatan

Jenis Rental Tanpa Kontrak

RENTAL TANPA KONTRAK (RENTAL HARIAN)

Estimasi Gross Income per 1 Kendaraan per Hari (Rp.) Rp 400,000
Estimasi Jumlah Hari dimana 1 Kendaraan Disewa (HARI) 21 HARI
Estimasi Gross Income per Bulan (Rp.) Rp 8,400,000

Biaya - biaya Langsung (Direct Expense) yang Dikeluarkan per 1 Hari Rental
Jika data Income yang diperoleh adalah Net
Biaya Bahan Bakar per 1 Hari Rental Rp 50,000 (Hasil Survey)
Income per 1 Hari Rental,
maka bagian biaya - biaya langsung (Direct
Biaya Driver per 1 Hari Rental Rp 50,000 (Hasil Survey)
Expense) ini tidak perlu diisi
Biaya Administrasi per 1 Hari Rental Rp 20,000 (Hasil Survey)
Biaya - Biaya Lainnya per 1 Hari Rental Rp -
Total Biaya Langsung (Direct Expense) per 1 Hari Rental Rp 120,000
Total Biaya Langsung (Direct Expense) per Bulan Rp 2,520,000

Biaya - Biaya Tidak Langsung (Indirect Expense) yang Dikeluarkan per Bu Year-1 Year-2 Year-3
Biaya Perawatan (Maintenance) per Bulan Rp 185,875 Rp 247,833 Rp 309,792 (Hasil Survey)
Biaya Administrasi per Bulan Rp 25,000 Rp 100,000 Rp 100,000 (Hasil Survey)
Biaya - Biaya Lainnya per Bulan Rp 310,000 Rp 310,000 Rp 310,000 (Hasil Survey)
Biaya Surat - Surat Kendaraan PER TAHUN Rp 161,092 Rp 148,700 Rp 123,917 (Hasil Survey)
Biaya KIR PER TAHUN Rp - Rp - Rp - (Hasil Survey)
Total Biaya Tidak Langsung (Indirect Expense) per Bulan Rp 534,299 Rp 670,225 Rp 730,118
Cadangan (2%) Rp 153,000 Rp 153,000
Rp 3,343,225 Rp 3,403,118

RENTAL DENGAN KONTRAK

Lama Kontrak per 1 Kendaraan dengan End User (BULAN) 18 BULAN
Nilai Kontrak per 1 Kendaraan dengan End User (Rp.) Rp 72,000,000
Estimasi Gross Income per Bulan (Rp.) Rp 4,000,000

Biaya - Biaya Tidak Langsung (Indirect Expense) yang Dikeluarkan per Bulan
Biaya Perawatan (Maintenance) per Bulan Rp -
Biaya Administrasi per Bulan Rp 100,000
Biaya - Biaya Lainnya per Bulan Rp -
Biaya Surat - Surat Kendaraan PER TAHUN Rp 1,200,000
Biaya KIR PER TAHUN Rp 1,200,000
Total Biaya Tidak Langsung (Indirect Expense) per Bulan Rp 300,000

MONTHLY CASH FLOW PER 1 UNIT KENDARAAN

Income Turun … % Cost Naik … %
Kondisi Normal
5% 5%
Gross Income Rp 8,400,000 Rp 7,980,000 Rp 8,400,000
Value Added Tax (VAT) 10% Rp 840,000 Rp 798,000 Rp 840,000
Income Setelah VAT Rp 7,560,000 Rp 7,182,000 Rp 7,560,000

Total Biaya Langsung (Direct Expense) Rp 2,520,000 Rp 2,520,000 Rp 2,646,000

Total Biaya Tidak Langsung (Indirect Expense) Rp 534,000 Rp 534,000 Rp 561,000
Biaya Cadangan 2% Rp 153,000 Rp 56,000 Rp 58,000
Total Biaya Rp 3,207,000 Rp 3,110,000 Rp 3,265,000

Net Income Rp 4,353,000 Rp 4,072,000 Rp 4,295,000

Angsuran per Bulan (per 1 Unit Kendaraan) Rp 4,361,735 Rp 4,361,735 Rp 4,361,735
Net Income dikurangi Angsuran per Bulan Rp (8,735) Rp (289,735) Rp (66,735)

Ratio Net Income terhadap Angsuran per Bulan 1.00 x ANGSURAN 0.93 x ANGSURAN 0.98 x ANGSURAN
 CREDIT TERMS UNTUK 1 UNIT KENDARAAN Resale Value Nilai Depresiasi Resale Value
OTR Rp 147,700,000 Tahun Pertama 100% Rp 147,700,000
Total Principal Rp 130,841,136 Tahun Kedua 80% Rp 118,160,000
Tenor 36 Tahun Ketiga 80% Rp 118,160,000
ADDM / ADDB ADDM Tahun Keempat 70% Rp 103,390,000
Bunga Eff 13.0073% Tahun Kelima 70% Rp 103,390,000
Bunga Flat 6.67%
Total Interest Rp 26,181,311
Total AR Rp 157,022,447
Angsuran Rp 4,361,735
Total Bayar Pertama Rp 50,000,000

CASH FLOW PROJECTION UNTUK KONDISI NORMAL

0 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 30 31 32 33 34 35 36
Income Setelah VAT Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000
Resale Value Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 118,160,000
Total Pendapatan Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 125,720,000

Total Bayar Pertama Rp 50,000,000

Biaya Lain (jika ada)
Total Biaya per Bulan Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118
Angsuran per Bulan Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735
Kewajiban Lainnya per Bulan (jika ada)
Total Pengeluaran Rp (50,000,000) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853)

Total Cash Flow Rp (50,000,000) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp 117,955,147
Total Out Flow Rp (50,000,000) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (144,960) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp (204,853) Rp -
Total In flow Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 117,955,147

Net Present Value (NPV) Rp 26,857,365

Internal Rate of Return (IRR) 27.36%
Profitability Index (PI) 149.65%

CASH FLOW PROJECTION UNTUK KONDISI INCOME TURUN 5 %

0 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 30 31 32 33 34 35 36
Income Setelah VAT Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000
Resale Value Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 118,160,000
Total Pendapatan Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 7,182,000 Rp 125,342,000

Total Bayar Pertama Rp 50,000,000

Biaya Lain (jika ada) Rp -
Total Biaya per Bulan Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,110,000 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,343,225 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118 Rp 3,403,118
Angsuran per Bulan Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735
Kewajiban Lainnya per Bulan (jika ada) Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp -
Total Pengeluaran Rp (50,000,000) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,471,735) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,704,960) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853) Rp (7,764,853)

Total Cash Flow Rp (50,000,000) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp 117,577,147
Total Out Flow Rp (50,000,000) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (289,735) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (522,960) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp (582,853) Rp -
Total In flow Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 117,577,147

Net Present Value (NPV) Rp 16,520,952

Internal Rate of Return (IRR) 21.78%
Profitability Index (PI) 124.88%

CASH FLOW PROJECTION UNTUK KONDISI COST NAIK 5 %

0 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 30 31 32 33 34 35 36
Income Setelah VAT Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000
Resale Value Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 118,160,000
Total Pendapatan Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 125,720,000

Total Bayar Pertama Rp 50,000,000

Biaya Lain (jika ada) Rp -
Total Biaya per Bulan Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,265,000 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,432,161 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156 Rp 3,435,156
Angsuran per Bulan Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735
Kewajiban Lainnya per Bulan (jika ada) Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp -
Total Pengeluaran Rp (50,000,000) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,626,735) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,793,896) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891) Rp (7,796,891)

Total Cash Flow Rp (50,000,000) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp 117,923,109
Total Out Flow Rp (50,000,000) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (66,735) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (233,896) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp (236,891) Rp -
Total In flow Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 117,923,109

Net Present Value (NPV) Rp 24,909,368

Internal Rate of Return (IRR) 26.27%
Profitability Index (PI) 144.18%

CASH FLOW PROJECTION JIKA KENDARAAN DITARIK & CUSTOMER MELAKUKAN EARLY TERMINATION SETELAH 1 TAHUN PERTAMA
0 1 2 3 4 5 6 7 8 9 10 11 12
Income Setelah VAT Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000
Resale Value Rp 147,700,000
Total Pendapatan Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 7,560,000 Rp 155,260,000

Total Bayar Pertama Rp 50,000,000

Biaya Lain (jika ada) Rp -
Total Biaya per Bulan Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000 Rp 3,207,000
Angsuran per Bulan Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735 Rp 4,361,735
Kewajiban Lainnya per Bulan (jika ada) Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp -
Nilai Early Termination Rp 93,673,000
Total Pengeluaran Rp (50,000,000) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (7,568,735) Rp (101,241,735)

Total Cash Flow Rp (50,000,000) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp 54,018,265
Total Out Flow Rp (50,000,000) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp (8,735) Rp -
Total In flow Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp - Rp 54,018,265

Net Present Value (NPV) Rp (2,627,164)

Internal Rate of Return (IRR) 7.57%
Profitability Index (PI) 94.76%
 HASIL SIMULASI PENDAPATAN USAHA RENTAL

Nama Cabang
Nama Customer CV NIRMALA PRIMA USAHA
Application ID
Tanggal Simulasi 01-Jul-10

Jika Kendaraan Ditarik Setelah

Kondisi Normal Kondisi Income Turun 5% Kondisi Cost Naik 5%
1 Tahun Pertama

Net Income dikurangi Angsuran per Bulan Rp (8,735) Rp (289,735) Rp (66,735) Rp (8,735)

Ratio Net Income terhadap Angsuran per Bulan 1.00 x ANGSURAN 0.93 x ANGSURAN 0.98 x ANGSURAN 1.00 x ANGSURAN

Net Present Value (NPV) Rp 26,857,365 Rp 16,520,952 Rp 24,909,368 Rp (2,627,164)

Internal Rate of Return (IRR) 27% 22% 26% 8%

Profitability Index (PI) 150% 125% 144% 95%