PERHITUNGAN PELUNASAN

PBTW ( Diisi = 1 jika Ya, dan = 2 jika Tidak )

BUNGA PERTAHUN
JANGKA WAKTU
PLAFOND
TGL REALISASI
TGL PELUNASAN
ANGS POKOK SD BLN BERJALAN
ANGS BUNGA SD BLN BERJALAN
ADVANCE PAYMENT
TOTAL PELUNASAN
ERHITUNGAN PELUNASAN PINJAMAN
iisi = 1 jika Ya, dan = 2 jika Tidak )
PERTAHUN
WAKTU
D 90,00
LISASI 4
UNASAN 5
OKOK SD BLN BERJALAN 1,79
UNGA SD BLN BERJALAN 1,00
E PAYMENT
TOTAL PELUNASAN 89,786
PINJAMAN
2
11.40
96
90,000,000
7 2012
8 2013
1,792,500
1,000,000
-
89,786,469
 PERHITUNGAN PELUNASAN P
PBTW ( Diisi = 1 jika Ya, dan = 2 jika Tidak )
BUNGA PERTAHUN
JANGKA WAKTU
PLAFOND
TGL REALISASI
TGL PELUNASAN
TAGIHAN S/D BULAN INI (P + B)
TOTAL PELUNASAN

PERIODE
BAKI DEBET
BULAN KE

0 50,000,000
1 49,166,700
2 48,333,400
3 47,500,100
4 46,666,800
5 45,833,500
6 45,000,200
7 44,166,900
8 43,333,600
9 42,500,300
10 41,667,000
11 40,833,700
12 40,000,400
13 39,167,100
14 38,333,800
15 37,500,500
16 36,667,200
17 35,833,900
18 35,000,600
19 34,167,300
20 33,334,000
21 32,500,700
22 31,667,400
23 30,834,100
24 30,000,800
25 29,167,500
26 28,334,200
27 27,500,900
28 26,667,600
29 25,834,300
30 25,001,000
31 24,167,700
32 23,334,400
33 22,501,100
34 21,667,800
35 20,834,500
36 20,001,200
37 19,167,900
38 18,334,600
39 17,501,300
40 16,668,000
41 15,834,700
42 15,001,400
43 14,168,100
44 13,334,800
45 12,501,500
46 11,668,200
47 10,834,900
48 10,001,600
49 9,168,300
50 8,335,000
51 7,501,700
52 6,668,400
53 5,835,100
54 5,001,800
55 4,168,500
56 3,335,200
57 2,501,900
58 1,668,600
59 835,300
60 2,000
61 (831,300)
62 (1,664,600)
63 (2,497,900)
64 (3,331,200)
65 (4,164,500)
66 (4,997,800)
67 (5,831,100)
68 (6,664,400)
69 (7,497,700)
70 (8,331,000)
71 (9,164,300)
72 (9,997,600)
73 (10,830,900)
74 (11,664,200)
75 (12,497,500)
76 (13,330,800)
77 (14,164,100)
78 (14,997,400)
79 (15,830,700)
80 (16,664,000)
81 (17,497,300)
82 (18,330,600)
83 (19,163,900)
84 (19,997,200)
85 (20,830,500)
86 (21,663,800)
87 (22,497,100)
88 (23,330,400)
89 (24,163,700)
90 (24,997,000)
91 (25,830,300)
92 (26,663,600)
93 (27,496,900)
94 (28,330,200)
95 (29,163,500)
96 (29,996,800)
97 (30,830,100)
98 (31,663,400)
99 (32,496,700)
100 (33,330,000)
101 (34,163,300)
102 (34,996,600)
103 (35,829,900)
104 (36,663,200)
105 (37,496,500)
106 (38,329,800)
107 (39,163,100)
108 (39,996,400)
109 (40,829,700)
110 (41,663,000)
111 (42,496,300)
112 (43,329,600)
113 (44,162,900)
114 (44,996,200)
115 (45,829,500)
116 (46,662,800)
117 (47,496,100)
118 (48,329,400)
119 (49,162,700)
120 (49,996,000)
ERHITUNGAN PELUNASAN PINJAMAN
iisi = 1 jika Ya, dan = 2 jika Tidak ) 2
PERTAHUN 19.20
WAKTU 60
D 50,000,000
LISASI 1 1
UNASAN 2 1
N S/D BULAN INI (P + B) -
OTAL PELUNASAN 46,135,930
ANGSURAN

POKOK BUNGA TOTAL

833,300 800,000 1,633,300

833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
833,300 800,000 1,633,300
NJAMAN
2
19.20
60
50,000,000
2014
2015
-
46,135,930
PRODUKTIFITAS

SUKU BUNGA
ANGSURAN SISA POKOK
YANG DITERIMA YG SEHARISNYA efektif METODE
BUNGA EFEKTIF anuitas
IRR

FLAT EFEKTIF

- 50,000,000
800,000 1,271,158 2.54% 1,271,158 49,637,858
1,600,000 2,533,110 2.54% 1,261,952 49,266,510
2,400,000 3,785,621 2.54% 1,252,511 48,885,721
3,200,000 5,028,451 2.54% 1,242,830 48,495,251
4,000,000 6,261,353 2.54% 1,232,903 48,094,853
4,800,000 7,484,077 2.54% 1,222,724 47,684,277
5,600,000 8,696,362 2.54% 1,212,285 47,263,262
6,400,000 9,897,944 2.54% 1,201,582 46,831,544
7,200,000 11,088,550 2.54% 1,190,606 46,388,850
8,000,000 12,267,902 2.54% 1,179,352 45,934,902
8,800,000 13,435,713 2.54% 1,167,811 45,469,413
9,600,000 14,591,689 2.54% 1,155,976 44,992,089
10,400,000 15,735,530 2.54% 1,143,841 44,502,630
11,200,000 16,866,928 2.54% 1,131,398 44,000,728
12,000,000 17,985,566 2.54% 1,118,638 43,486,066
12,800,000 19,091,120 2.54% 1,105,554 42,958,320
13,600,000 20,183,256 2.54% 1,092,137 42,417,156
14,400,000 21,261,635 2.54% 1,078,378 41,862,235
15,200,000 22,325,905 2.54% 1,064,271 41,293,205
16,000,000 23,375,709 2.54% 1,049,804 40,709,709
16,800,000 24,410,679 2.54% 1,034,970 40,111,379
17,600,000 25,430,438 2.54% 1,019,758 39,497,838
18,400,000 26,434,598 2.54% 1,004,160 38,868,698
19,200,000 27,422,763 2.54% 988,165 38,223,563
20,000,000 28,394,527 2.54% 971,764 37,562,027
20,800,000 29,349,473 2.54% 954,946 36,883,673
21,600,000 30,287,173 2.54% 937,700 36,188,073
22,400,000 31,207,188 2.54% 920,015 35,474,788
23,200,000 32,109,070 2.54% 901,881 34,743,370
24,000,000 32,992,356 2.54% 883,287 33,993,356
24,800,000 33,856,575 2.54% 864,219 33,224,275
25,600,000 34,701,241 2.54% 844,666 32,435,641
26,400,000 35,525,858 2.54% 824,617 31,626,958
27,200,000 36,329,915 2.54% 804,057 30,797,715
28,000,000 37,112,891 2.54% 782,975 29,947,391
28,800,000 37,874,248 2.54% 761,358 29,075,448
29,600,000 38,613,438 2.54% 739,190 28,181,338
30,400,000 39,329,897 2.54% 716,459 27,264,497
31,200,000 40,023,047 2.54% 693,150 26,324,347
32,000,000 40,692,295 2.54% 669,248 25,360,295
32,800,000 41,337,034 2.54% 644,739 24,371,734
33,600,000 41,956,641 2.54% 619,607 23,358,041
34,400,000 42,550,477 2.54% 593,835 22,318,577
35,200,000 43,117,885 2.54% 567,409 21,252,685
36,000,000 43,658,196 2.54% 540,311 20,159,696
36,800,000 44,170,719 2.54% 512,523 19,038,919
37,600,000 44,654,749 2.54% 484,030 17,889,649
38,400,000 45,109,560 2.54% 454,812 16,711,160
39,200,000 45,534,411 2.54% 424,851 15,502,711
40,000,000 45,928,539 2.54% 394,128 14,263,539
40,800,000 46,291,163 2.54% 362,624 12,992,863
41,600,000 46,621,483 2.54% 330,320 11,689,883
42,400,000 46,918,677 2.54% 297,194 10,353,777
43,200,000 47,181,903 2.54% 263,226 8,983,703
44,000,000 47,410,297 2.54% 228,394 7,578,797
44,800,000 47,602,974 2.54% 192,677 6,138,174
45,600,000 47,759,026 2.54% 156,052 4,660,926
46,400,000 47,877,521 2.54% 118,496 3,146,121
47,200,000 47,957,506 2.54% 79,984 1,592,806
48,000,000 47,998,000 2.54% 40,494 0
48,800,000 47,998,000 2.54% 0 (1,633,300)
49,600,000 47,956,476 2.54% (41,524) (3,308,124)
50,400,000 47,872,373 2.54% (84,103) (5,025,527)
51,200,000 47,744,609 2.54% (127,765) (6,786,591)
52,000,000 47,572,072 2.54% (172,537) (8,592,428)
52,800,000 47,353,625 2.54% (218,447) (10,444,175)
53,600,000 47,088,101 2.54% (265,524) (12,342,999)
54,400,000 46,774,303 2.54% (313,798) (14,290,097)
55,200,000 46,411,003 2.54% (363,300) (16,286,697)
56,000,000 45,996,944 2.54% (414,059) (18,334,056)
56,800,000 45,530,834 2.54% (466,110) (20,433,466)
57,600,000 45,011,351 2.54% (519,483) (22,586,249)
58,400,000 44,437,137 2.54% (574,214) (24,793,763)
59,200,000 43,806,801 2.54% (630,336) (27,057,399)
60,000,000 43,118,916 2.54% (687,885) (29,378,584)
60,800,000 42,372,019 2.54% (746,897) (31,758,781)
61,600,000 41,564,611 2.54% (807,409) (34,199,489)
62,400,000 40,695,151 2.54% (869,459) (36,702,249)
63,200,000 39,762,064 2.54% (933,087) (39,268,636)
64,000,000 38,763,731 2.54% (998,333) (41,900,269)
64,800,000 37,698,493 2.54% (1,065,238) (44,598,807)
65,600,000 36,564,650 2.54% (1,133,843) (47,365,950)
66,400,000 35,360,458 2.54% (1,204,192) (50,203,442)
67,200,000 34,084,127 2.54% (1,276,331) (53,113,073)
68,000,000 32,733,825 2.54% (1,350,303) (56,096,675)
68,800,000 31,307,670 2.54% (1,426,155) (59,156,130)
69,600,000 29,803,733 2.54% (1,503,936) (62,293,367)
70,400,000 28,220,039 2.54% (1,583,695) (65,510,361)
71,200,000 26,554,558 2.54% (1,665,481) (68,809,142)
72,000,000 24,805,211 2.54% (1,749,346) (72,191,789)
72,800,000 22,969,867 2.54% (1,835,344) (75,660,433)
73,600,000 21,046,340 2.54% (1,923,528) (79,217,260)
74,400,000 19,032,386 2.54% (2,013,954) (82,864,514)
75,200,000 16,925,708 2.54% (2,106,678) (86,604,492)
76,000,000 14,723,947 2.54% (2,201,761) (90,439,553)
76,800,000 12,424,687 2.54% (2,299,260) (94,372,113)
77,600,000 10,025,449 2.54% (2,399,238) (98,404,651)
78,400,000 7,523,691 2.54% (2,501,758) (102,539,709)
79,200,000 4,916,807 2.54% (2,606,884) (106,779,893)
80,000,000 2,202,124 2.54% (2,714,683) (111,127,876)
80,800,000 (623,099) 2.54% (2,825,223) (115,586,399)
81,600,000 (3,561,671) 2.54% (2,938,572) (120,158,271)
82,400,000 (6,616,475) 2.54% (3,054,804) (124,846,375)
83,200,000 (9,790,465) 2.54% (3,173,990) (129,653,665)
84,000,000 (13,086,672) 2.54% (3,296,207) (134,583,172)
84,800,000 (16,508,203) 2.54% (3,421,531) (139,638,003)
85,600,000 (20,058,243) 2.54% (3,550,040) (144,821,343)
86,400,000 (23,740,060) 2.54% (3,681,817) (150,136,460)
87,200,000 (27,557,005) 2.54% (3,816,944) (155,586,705)
88,000,000 (31,512,512) 2.54% (3,955,507) (161,175,512)
88,800,000 (35,610,104) 2.54% (4,097,592) (166,906,404)
89,600,000 (39,853,393) 2.54% (4,243,289) (172,782,993)
90,400,000 (44,246,084) 2.54% (4,392,691) (178,808,984)
91,200,000 (48,791,975) 2.54% (4,545,891) (184,988,175)
92,000,000 (53,494,960) 2.54% (4,702,985) (191,324,460)
92,800,000 (58,359,034) 2.54% (4,864,074) (197,821,834)
93,600,000 (63,388,292) 2.54% (5,029,258) (204,484,392)
94,400,000 (68,586,932) 2.54% (5,198,641) (211,316,332)
95,200,000 (73,959,263) 2.54% (5,372,331) (218,321,963)
96,000,000 (79,509,699) 2.54% (5,550,436) (225,505,699)
REKALKULASI (metode IRR)

TOTAL YANG
HARUS DIBAYAR

471,158 51,271,158
933,110 50,899,810
1,385,621 50,519,021
1,828,451 50,128,551
2,261,353 49,728,153
2,684,077 49,317,577
3,096,362 48,896,562
3,497,944 48,464,844
3,888,550 48,022,150
4,267,902 47,568,202
4,635,713 47,102,713
4,991,689 46,625,389
5,335,530 46,135,930
5,666,928 45,634,028
5,985,566 45,119,366
6,291,120 44,591,620
6,583,256 44,050,456
6,861,635 43,495,535
7,125,905 42,926,505
7,375,709 42,343,009
7,610,679 41,744,679
7,830,438 41,131,138
8,034,598 40,501,998
8,222,763 39,856,863
8,394,527 39,195,327
8,549,473 38,516,973
8,687,173 37,821,373
8,807,188 37,108,088
8,909,070 36,376,670
8,992,356 35,626,656
9,056,575 34,857,575
9,101,241 34,068,941
9,125,858 33,260,258
9,129,915 32,431,015
9,112,891 31,580,691
9,074,248 30,708,748
9,013,438 29,814,638
8,929,897 28,897,797
8,823,047 27,957,647
8,692,295 26,993,595
8,537,034 26,005,034
8,356,641 24,991,341
8,150,477 23,951,877
7,917,885 22,885,985
7,658,196 21,792,996
7,370,719 20,672,219
7,054,749 19,522,949
6,709,560 18,344,460
6,334,411 17,136,011
5,928,539 15,896,839
5,491,163 14,626,163
 5,021,483 13,323,183
4,518,677 11,987,077
3,981,903 10,617,003
3,410,297 9,212,097
2,802,974 7,771,474
2,159,026 6,294,226
1,477,521 4,779,421
757,506 3,226,106
(2,000) 1,633,300
(802,000) 0
(1,643,524) (1,674,824)
(2,527,627) (3,392,227)
(3,455,391) (5,153,291)
(4,427,928) (6,959,128)
(5,446,375) (8,810,875)
(6,511,899) (10,709,699)
(7,625,697) (12,656,797)
(8,788,997) (14,653,397)
(10,003,056) (16,700,756)
(11,269,166) (18,800,166)
(12,588,649) (20,952,949)
(13,962,863) (23,160,463)
(15,393,199) (25,424,099)
(16,881,084) (27,745,284)
(18,427,981) (30,125,481)
(20,035,389) (32,566,189)
(21,704,849) (35,068,949)
(23,437,936) (37,635,336)
(25,236,269) (40,266,969)
(27,101,507) (42,965,507)
(29,035,350) (45,732,650)
(31,039,542) (48,570,142)
(33,115,873) (51,479,773)
(35,266,175) (54,463,375)
(37,492,330) (57,522,830)
(39,796,267) (60,660,067)
(42,179,961) (63,877,061)
(44,645,442) (67,175,842)
(47,194,789) (70,558,489)
 (49,830,133) (74,027,133)
(52,553,660) (77,583,960)
(55,367,614) (81,231,214)
(58,274,292) (84,971,192)
(61,276,053) (88,806,253)
(64,375,313) (92,738,813)
(67,574,551) (96,771,351)
(70,876,309) (100,906,409)
(74,283,193) (105,146,593)
(77,797,876) (109,494,576)
(81,423,099) (113,953,099)
(85,161,671) (118,524,971)
(89,016,475) (123,213,075)
(92,990,465) (128,020,365)
(97,086,672) (132,949,872)
(101,308,203) (138,004,703)
(105,658,243) (143,188,043)
(110,140,060) (148,503,160)
(114,757,005) (153,953,405)
(119,512,512) (159,542,212)
(124,410,104) (165,273,104)
(129,453,393) (171,149,693)
(134,646,084) (177,175,684)
(139,991,975) (183,354,875)
(145,494,960) (189,691,160)
(151,159,034) (196,188,534)
(156,988,292) (202,851,092)
(162,986,932) (209,683,032)
(169,159,263) (216,688,663)
(175,509,699) (223,872,399)
 12,000,000
6
1.00% 1.71%

pokok flat
1 2,000,000 120,000
2 2,000,000 120,000
3 2,000,000 120,000
4 2,000,000 120,000
5 2,000,000 120,000
6 2,000,000 120,000
720,000

12,720,000
 1.69%

(12,000,000) efektif baki debet

2,120,000 202,880 12,000,000
2,120,000 206,310 12,202,880
2,120,000 209,798 12,409,191
2,120,000 213,345 12,618,989
2,120,000 216,952 12,832,334
2,120,000 220,620 13,049,287
1.69% 1,269,907 720,000
1,269,907
13,269,907 549,907