Nama : Sagita Nurcahya

NIM : 171011200050
Ruang/kelas : 05SAKM001 / A330

I. Perhitungan Rata-rata Saldo Utang

Pemberi pinjaman Saldo utang tiap akhir bula
Nama 1 2 3 4 5 6
Bank QNB 10,075,247,345 10,250,793,922 7,260,132,606 10,651,829,951 11,854,564,217 929,440,208
Jrust Bank - - - - - -
Bank Muamalat - - - - - -
Jumlah 10,075,247,345 10,250,793,922 7,260,132,606 10,651,829,951 11,854,564,217 929,440,208

II. Perhitungan Rata-rata modal

Rincian Modal Saldo modal tiap akhir bul
1 2 3 4 5 6
Modal saham 604,166,667 604,166,667 604,166,667 604,166,667 604,166,667 604,166,667
Agio saham - - - - - -
Laba ditahan 752,848,946 752,848,946 752,848,946 752,848,946 752,848,946 752,848,946
Saldo laba 124,273,713 73,863,774 163,908,207 53,070,781 203,930,985 33,122,680
Pinjaman tanpa bunga - - - - - -
Jumlah 1,481,289,326 1,430,879,387 1,520,923,820 1,410,086,394 1,560,946,598 1,390,138,293

III. Perhitungan besarnya perbandingan antara utang dan modal

Perhitungan = Jumlah saldo rata-rata utang / jumlah saldo rata-rata modal
= 12,781,100,724 / 4,283,870,920
= 2.98
Biaya pinjaman yang
Pemberi pinjaman Saldo Rata-rata utang Biaya pinjaman
dapat diperhitungkan
Bank QNB 6,533,677,976 4,261,033,575 4,261,033,575
Jrust Bank 4,474,422,748 4,261,033,575 4,261,033,575
Bank Muamalat 1,775,000,000 4,261,033,575 4,261,033,575
Jumlah 12,783,100,724 12,783,100,724 12,783,100,724
Saldo utang tiap akhir bulan
7 8 9 10 11 12 Rata-rata saldo utang
8,727,548,212 11,305,602,077 7,348,977,172 - - - 6,533,677,976
- - - 26,660,661,843 6,642,540,993 20,365,870,145 4,472,422,748
- - - - - 21,300,000,000 1,775,000,000
8,727,548,212 11,305,602,077 7,348,977,172 26,660,661,843 6,642,540,993 41,665,870,145 12,781,100,724

Saldo modal tiap akhir bulan

7 8 9 10 11 12 Rata-rata saldo modal
604,166,667 604,166,667 604,166,667 604,166,667 604,166,667 604,166,667 604,166,667
- - - - - - -
752,848,946 752,848,946 752,848,946 752,848,946 752,848,946 752,848,946 752,848,946
127,784,660 125,926,834 96,221,169 (37,344,427) 177,189,392 (113,714,524) 85,686,104
- - - - - 34,094,030,450 2,841,169,204
1,484,800,273 1,482,942,447 1,453,236,782 1,319,671,186 1,534,205,005 35,337,331,539 4,283,870,920