PVCF = Present Value Cash Flow Annuitas dipakai jika arus kasnya seragam/sama setiap periodenya

Present Value (Nilai sekarang) Present Value Annuitas

Tahun Cash Flow df 15% PVCF Tahun Cash Flow df = 13% pvcf
0 -35,000,000 1.000000 (35,000,000) 0 -45,000
1 8,000,000 0.869565 6,956,522 1 15,000 0.884956 13,274
2 10,000,000 0.756144 7,561,437 2 15,000 0.783147 11,747
3 15,000,000 0.657516 9,862,743 3 15,000 0.693050 10,396
4 18,000,000 0.571753 10,291,558 4 15,000 0.613319 9,200
5 14,000,000 0.497177 6,960,474 5 15,000 0.542760 8,141
41,632,735 3.517231 52,758
NPV 6,632,735 pvifa13%,5 3.517231 52,758
IRR 21.814% NPV 7,758
Semakin tinggi tingkat bunganya dan semakin IRR 19.858% 3.517231
lama periodenya nilainya semakin kecil 15,000 3.352155
0.01250 0.4745676 6,643,946.44 NPV r1 (45,000.0)
0.4323275959 pvifa30%,5 2.43556975
pvcf 36,533.55 (8,466.45)
Tahun Cash Flow df 9 % PVCF pvcf26%,5 2.63507079
0 -25,000,000 pvcf 39,526.06 (5,473.94)
1 3,000,000 1.23174465 15% 18.476%
2 6,000,000 1.1384893 11% 12.523%
3 10,000,000
4 14,000,000
5 9,000,000

Karena NPV positif dan IRR > df Investasi tersebut

menguntungkan atau layak untuk dilaksanakan
sama setiap periodenya

Suatu Proyek dengan Investasi 60 ribu diharapkan

akan menghasilkan Cash Flow 20 ribu per tahun
selama 5 tahun, jika tingkat bunga 14% carilah
NPV dan IRR

0.28
 Uang 100 juta sekarang di depositokan di bank yang memberi bunga 12 % p.a selama 10 tahun
Berapa jumlah uangnya setelah 10 tahun jika proses perhitungan bunga dilakukan
secara : a) Tahunan b) Semesteran c) Tri Wulan d) bulanan
100,000,000
Berapa nilai sekarang dari
jika tingkat bunganya 12%
5 Harga rumah 600 juta DP 20% jangka waktu/tenor/durasi 15 tahun, bunga 11,7% p.a
Harga rumah neto (PV)
bunga per bulan
periode
PVIFA0,975%,180
a. Angsuran per bulan ?
Saldo Utang tahun ke 5 ?
PVIFA0,975%,120
Saldo Utang tahun ke 5
b. Saldo Utang tahun ke 6 ?
PVIFA0,975%,108
Saldo Utang Tahun ke 6
c. Pokok Pinjaman Tahun ke 6
d. Bunga dibayar tahun ke 6
Angsuran tahun ke 6
Pokok Pinjaman Tahun ke 6
Bunga dibayar tahun ke 6
6 Premi asuransi bulanan
Jangka Waktu 10 tahun
Return / Bunga 12% p.a
FVIFA1%,120
klaim asuransi saat jatuh tempo
7 FVA
Jangka Waktu 20 tahun
Bunga 9% p.a
FVIFA0.75%,240
Pembayaran Premi Bulanan
4.9 PV
PVIFA1,25%,12
Angsuran bulanan
PVr15%
3.10584821 310,584,820.83 Tahunan
3.20713547 320,713,547.22 Semesteran
3.26203779 326,203,779.20 Tri Wulan
3.30038689 330,038,689.46 Bulanan
310,584,820.83 yang diterima 10 tahun yang akan datang
0.321973237 100,000,000.00
480,000,000 PVIFA = Present Value Interest Factor Annuitas
0.00975
180 bulan
84.67863686 Saldo utang tahun ke 5 artinya konsumen telah
5,668,490 membayar angsuran selama 5 tahun, berarti sisa
angsuran masih 10 tahun lagi atau masih 120 bulan
70.55069061 Saldo utang tahun ke 6 artinya konsumen telah
399,915,879 membayar angsuran selama 6 tahun, berarti sisa
angsuran masih 9 tahun lagi atau masih 108 bulan
66.59759197 Pokok Pinjaman tahun ke 6 adalah saldo utang tahun
377,507,779 ke 5 dikurangi saldo utang tahun ke 6
22,408,100 Bunga di bayar tahun ke 6 adalah angsuran tahun
ke 6 sama saja 12 X angsuran bulanan dikurangi
Pokok Pinjaman tahun ke 6
-75,000,000
10,000,000
10,000,000
1,500,000 10,000,000
120 bulan 10,000,000
0.01 bulan 10,000,000
230.038689457367
345,058,034.19
Ibu Aisah ingin klaim asuransi sebesar 500 juta dari
500,000,000 asuransi selama 20 tahun dengan bunga 9% p.a
240 berapa premi bulanannya
0.0075 bulan
667.886869929686 PVr1 322,699,735.89
748,629.78 PVr2 279,607,776.16
30,000,000.00 PVIFA1%,144 76.137157473307
11.079311966037 279,607,776.16
2,758,973.49 PFIVA0,75%,144 87.871091952675
30,567,528.00 322,699,735.91
 PVIFA1,75%,12 10.7395496884261 NPVr1 22,699,735.89
PVr21% 29,630,132.88 NPVr1 - NPVr2 43,091,959.75
NPV r1 567,528.00 0.52677428
NPV r2 (369,867.12) 1.58032283%
937,395.12 937,395.12
0.605430934667919 0.0096
0.000625 3.633%
15%
18.633% per bulan
Harga Rumah 300,000,000
Jangka Waktu 12 tahun 10.50%
PVIFA0,875%,144 81.6899571099005
Angsuran bulanan 3,672,422.053
3,672,422.053
0.005833333333333
7.20% Ibu Aisah ingin klaim asuransi sebesar 500 juta dari
0.006 asuransi selama 15 tahun dengan bunga 10,5% p.a
berapa premi bulanannya
4.13 Future Value 500,000,000 434.0298053277
Jangka Waktu 15 tahun 180 1,151,994.62
Bunga 10,5% p.a 0.105 437.8275661244
bunga per bulan 0.00875 1,142,002.10
Angsuran bulanan 1,151,994.62 1,142,002.10
5,10 Future Value DUE Ibu Aisah ingin klaim asuransi sebesar 500 juta dari
asuransi selama 15 tahun dengan bunga 10,5% p.a
berapa premi bulanannya dibayar mulai hari ini
Present Value Annuitas di tunda
5,14 1,000,000 3,169,865.45
5 1.4641
10% 2,165,060.75
4
2,165,060.75
5.8 Angsuran Tahunan 1,000,000
Jangka Waktu 5 tahun 5
Bunga 12% p.a 12%
FVIFAdue 6.35284736
7,115,189.04
7,115,189.04
82,486,366.55

5.1
 1.790848

6.6
berarti sisa
asih 120 bulan

berarti sisa
sih 108 bulan
ldo utang tahun

gsuran tahun

r 500 juta dari

 Tabel Amortisasi Pinjaman TAHUNAN
Angsuran per Bunga per Pokok Saldo
Tahun Tahun Tahun Pinjaman Utang
0 40,000,000
1 11,096,389 4,800,000 6,296,389 33,703,611
2 11,096,389 4,044,433 7,051,956 26,651,655
3 11,096,389 3,198,199 7,898,191 18,753,464
4 11,096,389 2,250,416 8,845,974 9,907,490
5 11,096,389 1,188,899 9,907,490 0
55,481,946 15,481,946 40,000,000

1 Pinjaman 15 juta bunga 9% p.a, jangka waktu 2 tahun

Berapa angsuran bulanannya jika pembayaran cicilan
pinjaman dimulai ketika terjadi transaksi (mulai hari ini)
0.00 1,000,000 6,715,610
0.00 22.0533147 19,654,583
2 Hitung nilai tabungan pada akhir tahun ke 10 dari
pembayaran premi 1 juta setiap tahun mulai hari ini
jika tingkat bunga 12% p.a
Contoh 7.6 hal 154 Edisi 3 hal Edisi 4
Tuan Bento meminjam Rp 400,000,000 dari bank Abu Nawas
untuk membeli rumah. Pinjaman itu akan di lunasi dengan angsuran
selama 15 tahun dengan bunga tetap 21% p.a. Setelah pembayaran
angsuran 2 tahun, tingkat bunga pinjaman di pasar telah turun
menjadi 15% p.a, sehingga Tuan Bento berniat akan melunasi
pinjamannya yang berbunga 21% dengan pinjaman baru yang
berbunga 15%, namun Bank Abu Nawas hanya menyetujui
penulasan lebih cepat jika Tuan Bento bersedia membayar denda
sebanyak 15 kali angsuran bulanan. Keputusan apa yang sebaiknya
di ambil Tuan Bento
Contoh.9.1 Obligasi nominal 100 juta bunga J2 = 12% jatuh tempo 10
tahun.Tentukan harga wajar obligasi jika investor mengharapkan
yield 14% dan 10%
Kupon 3,000,000 12,000,000 100,000,000 6,000,000
pvifa10%,10 6.144567105705 pvifa14%,10 5.2161156462936
pfif10%,10 0.38554328943 pvif14%,10 0.2697438095189
Harga Pasar 112,289,134 Harga Pasar 89,567,769
pvifa2,5%,40 25.10277505 pvifa3,5%,40 21.35507234
pvif2,5%,40 0.37243062 pvif3,5%,40 0.25257247
Harga Pasar 112,551,388 Harga Pasar 89,322,464
pvifa3%,40 23.11477197421 pvifa6%,20 11.469921218565
pvif3%,40 0.306556840774 pvif6%,20 0.3118047268861
Harga Pasar 100,000,000 Harga Pasar 100,000,000
pvifa7%,20 10.594014245516
pvif7%,20 0.2584190028139
Harga Pasar 89,405,985.75
Pinjaman 40,000,000
Bunga 12% p.a 12%
Jangka Waktu 5 tahun
Buatlah Tabel Amortisasi Pinjaman
PVIFA12%,5 3.60477620
PVIFA1%,60 44.9550384062
Angsuran per bln 889,778
Model Flat
Bunga per tahun
bunga selama 5 th
Pokok + Bunga
Angsuran per thn

Tabel Amortisasi Pinjaman BULANAN

Angsuran per Bunga per Pokok Saldo
Bulan Bulan Bulan Pinjaman Utang
0 40,000,000
1 889,778 400,000 489,778 39,510,222
2 889,778 395,102 494,676 39,015,546
3 889,778 390,155 499,622 38,515,924
4 889,778 385,159 504,619 38,011,305
5 889,778 380,113 509,665 37,501,640
6 889,778 375,016 514,762 36,986,879
7 889,778 369,869 519,909 36,466,970
8 889,778 364,670 525,108 35,941,862
9 889,778 359,419 530,359 35,411,502
10 889,778 354,115 535,663 34,875,839
11 889,778 348,758 541,020 34,334,820
12 889,778 343,348 546,430 33,788,390
13 889,778 337,884 551,894 33,236,496
14 889,778 332,365 557,413 32,679,083
15 889,778 326,791 562,987 32,116,096
16 889,778 321,161 568,617 31,547,479
17 889,778 315,475 574,303 30,973,176
18 889,778 309,732 580,046 30,393,130
19 889,778 303,931 585,847 29,807,283
20 889,778 298,073 591,705 29,215,578
21 889,778 292,156 597,622 28,617,956
22 889,778 286,180 603,598 28,014,358
23 889,778 280,144 609,634 27,404,724
24 889,778 274,047 615,731 26,788,993
25 889,778 267,890 621,888 26,167,105
26 889,778 261,671 628,107 25,538,998
27 889,778 255,390 634,388 24,904,610
28 889,778 249,046 640,732 24,263,878
29 889,778 242,639 647,139 23,616,739
30 889,778 236,167 653,611 22,963,129
31 889,778 229,631 660,147 22,302,982
32 889,778 223,030 666,748 21,636,234
33 889,778 216,362 673,416 20,962,818
34 889,778 209,628 680,150 20,282,669
35 889,778 202,827 686,951 19,595,717
36 889,778 195,957 693,821 18,901,897
37 889,778 189,019 700,759 18,201,138
38 889,778 182,011 707,767 17,493,371
39 889,778 174,934 714,844 16,778,527
40 889,778 167,785 721,993 16,056,534
41 889,778 160,565 729,213 15,327,322
42 889,778 153,273 736,505 14,590,817
43 889,778 145,908 743,870 13,846,947
44 889,778 138,469 751,308 13,095,639
45 889,778 130,956 758,822 12,336,817
46 889,778 123,368 766,410 11,570,408
47 889,778 115,704 774,074 10,796,334
48 889,778 107,963 781,815 10,014,519
49 889,778 100,145 789,633 9,224,887
50 889,778 92,249 797,529 8,427,358
51 889,778 84,274 805,504 7,621,853
52 889,778 76,219 813,559 6,808,294
53 889,778 68,083 821,695 5,986,599
54 889,778 59,866 829,912 5,156,687
55 889,778 51,567 838,211 4,318,476
56 889,778 43,185 846,593 3,471,883
57 889,778 34,719 855,059 2,616,824
58 889,778 26,168 863,610 1,753,214
59 889,778 17,532 872,246 880,968
60 889,778 8,810 880,968 0
Presentasi Proposal Simulasi Bisnis
Kelompok 1 : Tanggal
1 Desember
Kelompok 1 dan 2
Rizka Dini dkk ( klp 1)
Wahyu Nurul Hidayat dkk (klp 2)

8 Desember 2018
Marsito dkk (klp 3)
Andre Cendana (klp 4)

15 Desember 2018
Resto dkk (klp 5)
Martin dkk (klp 6)

22 Desember
Ismawati dkk (klp 7)
Sulistyaningsih dkk (klp 8)
 Tabel Amortisasi Pinjaman Bulanan PVIFA1%,60 FV
Angsuran Bunga Pokok Saldo 44.9550384 Bunga p.a
Bulan Bulanan per bulan Pinjaman Utang Tenor (th)
0 30,000,000 Tahun
1 1 667,333 300,000 367,333 29,632,667
2 2 667,333 296,327 371,007 29,261,660 1
3 3 667,333 292,617 374,717 28,886,943 2
4 4 667,333 288,869 378,464 28,508,479 3
5 5 667,333 285,085 382,249 28,126,230 4
6 6 667,333 281,262 386,071 27,740,159 5
7 7 667,333 277,402 389,932 27,350,227 6
8 8 667,333 273,502 393,831 26,956,396 7
9 9 667,333 269,564 397,769 26,558,627 8
10 10 667,333 265,586 401,747 26,156,880 9
11 11 667,333 261,569 405,765 25,751,115 10
12 12 667,333 257,511 409,822 25,341,293
13 13 667,333 253,413 413,921 24,927,372
14 14 667,333 249,274 418,060 24,509,312 Bulan
15 15 667,333 245,093 422,240 24,087,072 1
16 16 667,333 240,871 426,463 23,660,609 2
17 17 667,333 236,606 430,727 23,229,882 3
18 18 667,333 232,299 435,035 22,794,847 4
19 19 667,333 227,948 439,385 22,355,463 5
20 20 667,333 223,555 443,779 21,911,684 6
21 21 667,333 219,117 448,217 21,463,467 7
22 22 667,333 214,635 452,699 21,010,768 8
23 23 667,333 210,108 457,226 20,553,543 9
24 24 667,333 205,535 461,798 20,091,745 10
25 25 667,333 200,917 466,416 19,625,329 11
26 26 667,333 196,253 471,080 19,154,248 12
27 27 667,333 191,542 475,791 18,678,458 13
28 28 667,333 186,785 480,549 18,197,909 14
29 29 667,333 181,979 485,354 17,712,554 15
30 30 667,333 177,126 490,208 17,222,346 16
31 31 667,333 172,223 495,110 16,727,236 17
32 32 667,333 167,272 500,061 16,227,175 18
33 33 667,333 162,272 505,062 15,722,114 19
34 34 667,333 157,221 510,112 15,212,001 20
35 35 667,333 152,120 515,213 14,696,788 21
36 36 667,333 146,968 520,366 14,176,422 22
37 37 667,333 141,764 525,569 13,650,853 23
38 38 667,333 136,509 530,825 13,120,028 24
39 39 667,333 131,200 536,133 12,583,895 25
40 40 667,333 125,839 541,494 12,042,401 26
41 41 667,333 120,424 546,909 11,495,491 27
42 42 667,333 114,955 552,379 10,943,113 28
43 43 667,333 109,431 557,902 10,385,211 29
44 44 667,333 103,852 563,481 9,821,729 30
45 45 667,333 98,217 569,116 9,252,613 31
46 46 667,333 92,526 574,807 8,677,806 32
47 47 667,333 86,778 580,555 8,097,250 33
48 48 667,333 80,973 586,361 7,510,889 34
49 49 667,333 75,109 592,225 6,918,665 35
50 50 667,333 69,187 598,147 6,320,518 36
51 51 667,333 63,205 604,128 5,716,390 37
52 52 667,333 57,164 610,170 5,106,220 38
53 53 667,333 51,062 616,271 4,489,949 39
54 54 667,333 44,899 622,434 3,867,515 40
55 55 667,333 38,675 628,658 3,238,857 41
56 56 667,333 32,389 634,945 2,603,912 42
57 57 667,333 26,039 641,294 1,962,618 43
58 58 667,333 19,626 647,707 1,314,910 44
59 59 667,333 13,149 654,184 660,726 45
60 60 667,333 6,607 660,726 0 46
40,040,006 10,040,006 30,000,000 47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
 73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
 1,000,000,000 Angsuran : FVIFA10,2%,10 16.091069967
10.20% Tabungan Tahunan 62,146,271.32 FVIFA0,85%,120 207.20780994
10 Tabungan Bulanan 4,826,072.92
Tabungan Bunga Saldo Akhir Tahun
Tahunan Tahunan Tahun
62,146,271.32 62,146,271.32 0
62,146,271.32 6,338,919.67 130,631,462.31 1
62,146,271.32 13,324,409.16 206,102,142.79 2
62,146,271.32 21,022,418.56 289,270,832.67 3
62,146,271.32 29,505,624.93 380,922,728.93 4
62,146,271.32 38,854,118.35 481,923,118.60 5
62,146,271.32 49,156,158.10 593,225,548.02 6
62,146,271.32 60,509,005.90 715,880,825.23 7
62,146,271.32 73,019,844.17 851,046,940.73 8
62,146,271.32 86,806,787.95 1,000,000,000.00 9

Tabungan Bunga Saldo Akhir

Bulanan Bulanan Bulan Bulan
4,826,072.92 4,826,072.92 0
4,826,072.92 41,021.62 9,693,167.46 1
4,826,072.92 82,391.92 14,601,632.30 2
4,826,072.92 124,113.87 19,551,819.09 3
4,826,072.92 166,190.46 24,544,082.47 4
4,826,072.92 208,624.70 29,578,780.09 5
4,826,072.92 251,419.63 34,656,272.64 6
4,826,072.92 294,578.32 39,776,923.88 7
4,826,072.92 338,103.85 44,941,100.65 8
4,826,072.92 381,999.36 50,149,172.92 9
4,826,072.92 426,267.97 55,401,513.81 10
4,826,072.92 470,912.87 60,698,499.59 11
4,826,072.92 515,937.25 66,040,509.76 12
4,826,072.92 561,344.33 71,427,927.01 13
4,826,072.92 607,137.38 76,861,137.31 14
4,826,072.92 653,319.67 82,340,529.89 15
4,826,072.92 699,894.50 87,866,497.32 16
4,826,072.92 746,865.23 93,439,435.46 17
4,826,072.92 794,235.20 99,059,743.58 18
4,826,072.92 842,007.82 104,727,824.32 19
4,826,072.92 890,186.51 110,444,083.74 20
4,826,072.92 938,774.71 116,208,931.37 21
4,826,072.92 987,775.92 122,022,780.21 22
4,826,072.92 1,037,193.63 127,886,046.76 23
4,826,072.92 1,087,031.40 133,799,151.07 24
4,826,072.92 1,137,292.78 139,762,516.78 25
4,826,072.92 1,187,981.39 145,776,571.09 26
4,826,072.92 1,239,100.85 151,841,744.86 27
4,826,072.92 1,290,654.83 157,958,472.61 28
4,826,072.92 1,342,647.02 164,127,192.55 29
4,826,072.92 1,395,081.14 170,348,346.60 30
4,826,072.92 1,447,960.95 176,622,380.46 31
4,826,072.92 1,501,290.23 182,949,743.62 32
4,826,072.92 1,555,072.82 189,330,889.36 33
4,826,072.92 1,609,312.56 195,766,274.83 34
4,826,072.92 1,664,013.34 202,256,361.09 35
4,826,072.92 1,719,179.07 208,801,613.08 36
4,826,072.92 1,774,813.71 215,402,499.71 37
4,826,072.92 1,830,921.25 222,059,493.87 38
4,826,072.92 1,887,505.70 228,773,072.49 39
4,826,072.92 1,944,571.12 235,543,716.52 40
4,826,072.92 2,002,121.59 242,371,911.03 41
4,826,072.92 2,060,161.24 249,258,145.19 42
4,826,072.92 2,118,694.23 256,202,912.34 43
4,826,072.92 2,177,724.75 263,206,710.02 44
4,826,072.92 2,237,257.04 270,270,039.97 45
4,826,072.92 2,297,295.34 277,393,408.23 46
4,826,072.92 2,357,843.97 284,577,325.12 47
4,826,072.92 2,418,907.26 291,822,305.30 48
4,826,072.92 2,480,489.60 299,128,867.81 49
4,826,072.92 2,542,595.38 306,497,536.11 50
4,826,072.92 2,605,229.06 313,928,838.08 51
4,826,072.92 2,668,395.12 321,423,306.12 52
4,826,072.92 2,732,098.10 328,981,477.14 53
4,826,072.92 2,796,342.56 336,603,892.62 54
4,826,072.92 2,861,133.09 344,291,098.62 55
4,826,072.92 2,926,474.34 352,043,645.88 56
4,826,072.92 2,992,370.99 359,862,089.79 57
4,826,072.92 3,058,827.76 367,746,990.47 58
4,826,072.92 3,125,849.42 375,698,912.81 59
4,826,072.92 3,193,440.76 383,718,426.48 60
4,826,072.92 3,261,606.63 391,806,106.03 61
4,826,072.92 3,330,351.90 399,962,530.85 62
4,826,072.92 3,399,681.51 408,188,285.28 63
4,826,072.92 3,469,600.42 416,483,958.62 64
4,826,072.92 3,540,113.65 424,850,145.19 65
4,826,072.92 3,611,226.23 433,287,444.34 66
4,826,072.92 3,682,943.28 441,796,460.53 67
4,826,072.92 3,755,269.91 450,377,803.37 68
4,826,072.92 3,828,211.33 459,032,087.61 69
4,826,072.92 3,901,772.74 467,759,933.28 70
4,826,072.92 3,975,959.43 476,561,965.63 71
4,826,072.92 4,050,776.71 485,438,815.25 72
4,826,072.92 4,126,229.93 494,391,118.10 73
4,826,072.92 4,202,324.50 503,419,515.52 74
4,826,072.92 4,279,065.88 512,524,654.33 75
4,826,072.92 4,356,459.56 521,707,186.81 76
4,826,072.92 4,434,511.09 530,967,770.81 77
4,826,072.92 4,513,226.05 540,307,069.78 78
4,826,072.92 4,592,610.09 549,725,752.79 79
4,826,072.92 4,672,668.90 559,224,494.61 80
4,826,072.92 4,753,408.20 568,803,975.73 81
4,826,072.92 4,834,833.79 578,464,882.44 82
4,826,072.92 4,916,951.50 588,207,906.86 83
4,826,072.92 4,999,767.21 598,033,746.99 84
4,826,072.92 5,083,286.85 607,943,106.76 85
4,826,072.92 5,167,516.41 617,936,696.08 86
4,826,072.92 5,252,461.92 628,015,230.92 87
4,826,072.92 5,338,129.46 638,179,433.30 88
4,826,072.92 5,424,525.18 648,430,031.40 89
4,826,072.92 5,511,655.27 658,767,759.59 90
4,826,072.92 5,599,525.96 669,193,358.46 91
4,826,072.92 5,688,143.55 679,707,574.93 92
4,826,072.92 5,777,514.39 690,311,162.23 93
4,826,072.92 5,867,644.88 701,004,880.03 94
4,826,072.92 5,958,541.48 711,789,494.43 95
4,826,072.92 6,050,210.70 722,665,778.05 96
4,826,072.92 6,142,659.11 733,634,510.08 97
4,826,072.92 6,235,893.34 744,696,476.33 98
4,826,072.92 6,329,920.05 755,852,469.30 99
4,826,072.92 6,424,745.99 767,103,288.21 100
4,826,072.92 6,520,377.95 778,449,739.08 101
4,826,072.92 6,616,822.78 789,892,634.78 102
4,826,072.92 6,714,087.40 801,432,795.09 103
4,826,072.92 6,812,178.76 813,071,046.77 104
4,826,072.92 6,911,103.90 824,808,223.58 105
4,826,072.92 7,010,869.90 836,645,166.40 106
4,826,072.92 7,111,483.91 848,582,723.23 107
4,826,072.92 7,212,953.15 860,621,749.30 108
4,826,072.92 7,315,284.87 872,763,107.09 109
4,826,072.92 7,418,486.41 885,007,666.41 110
4,826,072.92 7,522,565.16 897,356,304.50 111
4,826,072.92 7,627,528.59 909,809,906.00 112
4,826,072.92 7,733,384.20 922,369,363.12 113
4,826,072.92 7,840,139.59 935,035,575.63 114
4,826,072.92 7,947,802.39 947,809,450.94 115
4,826,072.92 8,056,380.33 960,691,904.19 116
4,826,072.92 8,165,881.19 973,683,858.29 117
4,826,072.92 8,276,312.80 986,786,244.01 118
4,826,072.92 8,387,683.07 1,000,000,000.00 119
 1,000,000,000 FVIFA.due 15.091069967056 66,264,354
ANUITAS DI MUKA 672.89602145416
500,000,000 743,056.85
Tabungan Bunga Saldo Akhir Tahun Tabungan Bunga
Tahunan Tahunan Tahun Tahunan Tahunan
62,146,271.32
62,146,271.32 6,338,919.67 130,631,462.31 0 66,264,354
62,146,271.32 13,324,409.16 206,102,142.79 1 66,264,354 6,758,964
62,146,271.32 21,022,418.56 289,270,832.67 2 66,264,354 14,207,343
62,146,271.32 29,505,624.93 380,922,728.93 3 66,264,354 22,415,456
62,146,271.32 38,854,118.35 481,923,118.60 4 66,264,354 31,460,796
62,146,271.32 49,156,158.10 593,225,548.02 5 66,264,354 41,428,761
62,146,271.32 60,509,005.90 715,880,825.23 6 66,264,354 52,413,459
62,146,271.32 73,019,844.17 851,046,940.73 7 66,264,354 64,518,596
62,146,271.32 86,806,787.95 1,000,000,000.00 8 66,264,354 77,858,457
9 66,264,354 92,558,984
Tabungan Bunga Saldo Akhir
Bulanan Bulanan Bulan
4,826,072.92
4,826,072.92 41,021.62 9,693,167.46
4,826,072.92 82,391.92 14,601,632.30
4,826,072.92 124,113.87 19,551,819.09
4,826,072.92 166,190.46 24,544,082.47
4,826,072.92 208,624.70 29,578,780.09
4,826,072.92 251,419.63 34,656,272.64
4,826,072.92 294,578.32 39,776,923.88
4,826,072.92 338,103.85 44,941,100.65
4,826,072.92 381,999.36 50,149,172.92
4,826,072.92 426,267.97 55,401,513.81
4,826,072.92 470,912.87 60,698,499.59
4,826,072.92 515,937.25 66,040,509.76
4,826,072.92 561,344.33 71,427,927.01
4,826,072.92 607,137.38 76,861,137.31
4,826,072.92 653,319.67 82,340,529.89
4,826,072.92 699,894.50 87,866,497.32
4,826,072.92 746,865.23 93,439,435.46
4,826,072.92 794,235.20 99,059,743.58
4,826,072.92 842,007.82 104,727,824.32
4,826,072.92 890,186.51 110,444,083.74
4,826,072.92 938,774.71 116,208,931.37
4,826,072.92 987,775.92 122,022,780.21
4,826,072.92 1,037,193.63 127,886,046.76
4,826,072.92 1,087,031.40 133,799,151.07
4,826,072.92 1,137,292.78 139,762,516.78
4,826,072.92 1,187,981.39 145,776,571.09
4,826,072.92 1,239,100.85 151,841,744.86
4,826,072.92 1,290,654.83 157,958,472.61
4,826,072.92 1,342,647.02 164,127,192.55
4,826,072.92 1,395,081.14 170,348,346.60
4,826,072.92 1,447,960.95 176,622,380.46
4,826,072.92 1,501,290.23 182,949,743.62
4,826,072.92 1,555,072.82 189,330,889.36
4,826,072.92 1,609,312.56 195,766,274.83
4,826,072.92 1,664,013.34 202,256,361.09
4,826,072.92 1,719,179.07 208,801,613.08
4,826,072.92 1,774,813.71 215,402,499.71
4,826,072.92 1,830,921.25 222,059,493.87
4,826,072.92 1,887,505.70 228,773,072.49
4,826,072.92 1,944,571.12 235,543,716.52
4,826,072.92 2,002,121.59 242,371,911.03
4,826,072.92 2,060,161.24 249,258,145.19
4,826,072.92 2,118,694.23 256,202,912.34
4,826,072.92 2,177,724.75 263,206,710.02
4,826,072.92 2,237,257.04 270,270,039.97
4,826,072.92 2,297,295.34 277,393,408.23
4,826,072.92 2,357,843.97 284,577,325.12
4,826,072.92 2,418,907.26 291,822,305.30
4,826,072.92 2,480,489.60 299,128,867.81
4,826,072.92 2,542,595.38 306,497,536.11
4,826,072.92 2,605,229.06 313,928,838.08
4,826,072.92 2,668,395.12 321,423,306.12
4,826,072.92 2,732,098.10 328,981,477.14
4,826,072.92 2,796,342.56 336,603,892.62
4,826,072.92 2,861,133.09 344,291,098.62
4,826,072.92 2,926,474.34 352,043,645.88
4,826,072.92 2,992,370.99 359,862,089.79
4,826,072.92 3,058,827.76 367,746,990.47
4,826,072.92 3,125,849.42 375,698,912.81
4,826,072.92 3,193,440.76 383,718,426.48
4,826,072.92 3,261,606.63 391,806,106.03
4,826,072.92 3,330,351.90 399,962,530.85
4,826,072.92 3,399,681.51 408,188,285.28
4,826,072.92 3,469,600.42 416,483,958.62
4,826,072.92 3,540,113.65 424,850,145.19
4,826,072.92 3,611,226.23 433,287,444.34
4,826,072.92 3,682,943.28 441,796,460.53
4,826,072.92 3,755,269.91 450,377,803.37
4,826,072.92 3,828,211.33 459,032,087.61
4,826,072.92 3,901,772.74 467,759,933.28
4,826,072.92 3,975,959.43 476,561,965.63
4,826,072.92 4,050,776.71 485,438,815.25
4,826,072.92 4,126,229.93 494,391,118.10
4,826,072.92 4,202,324.50 503,419,515.52
4,826,072.92 4,279,065.88 512,524,654.33
4,826,072.92 4,356,459.56 521,707,186.81
4,826,072.92 4,434,511.09 530,967,770.81
4,826,072.92 4,513,226.05 540,307,069.78
4,826,072.92 4,592,610.09 549,725,752.79
4,826,072.92 4,672,668.90 559,224,494.61
4,826,072.92 4,753,408.20 568,803,975.73
4,826,072.92 4,834,833.79 578,464,882.44
4,826,072.92 4,916,951.50 588,207,906.86
4,826,072.92 4,999,767.21 598,033,746.99
4,826,072.92 5,083,286.85 607,943,106.76
4,826,072.92 5,167,516.41 617,936,696.08
4,826,072.92 5,252,461.92 628,015,230.92
4,826,072.92 5,338,129.46 638,179,433.30
4,826,072.92 5,424,525.18 648,430,031.40
4,826,072.92 5,511,655.27 658,767,759.59
4,826,072.92 5,599,525.96 669,193,358.46
4,826,072.92 5,688,143.55 679,707,574.93
4,826,072.92 5,777,514.39 690,311,162.23
4,826,072.92 5,867,644.88 701,004,880.03
4,826,072.92 5,958,541.48 711,789,494.43
4,826,072.92 6,050,210.70 722,665,778.05
4,826,072.92 6,142,659.11 733,634,510.08
4,826,072.92 6,235,893.34 744,696,476.33
4,826,072.92 6,329,920.05 755,852,469.30
4,826,072.92 6,424,745.99 767,103,288.21
4,826,072.92 6,520,377.95 778,449,739.08
4,826,072.92 6,616,822.78 789,892,634.78
4,826,072.92 6,714,087.40 801,432,795.09
4,826,072.92 6,812,178.76 813,071,046.77
4,826,072.92 6,911,103.90 824,808,223.58
4,826,072.92 7,010,869.90 836,645,166.40
4,826,072.92 7,111,483.91 848,582,723.23
4,826,072.92 7,212,953.15 860,621,749.30
4,826,072.92 7,315,284.87 872,763,107.09
4,826,072.92 7,418,486.41 885,007,666.41
4,826,072.92 7,522,565.16 897,356,304.50
4,826,072.92 7,627,528.59 909,809,906.00
4,826,072.92 7,733,384.20 922,369,363.12
4,826,072.92 7,840,139.59 935,035,575.63
4,826,072.92 7,947,802.39 947,809,450.94
4,826,072.92 8,056,380.33 960,691,904.19
4,826,072.92 8,165,881.19 973,683,858.29
4,826,072.92 8,276,312.80 986,786,244.01
4,826,072.92 8,387,683.07 1,000,000,000.00
Saldo Akhir
Tahun

66,264,354
139,287,672
219,759,368
308,439,177
406,164,327
513,857,443
632,535,256
763,318,206
907,441,016
1,066,264,354
 Present Value Interest Factor Anuity due
Tabel Amortisasi Pinjaman Bulanan Utang 30,000,000
Angsuran Bunga Pokok Saldo Bunga 12%
Bulan Bulanan per bulan Pinjaman Utang Tenor 5
30,000,000 PVIFA1%,60 45.40458879029
0 660,726 29,339,274 PVIFA12%,5 4.037349346626
1 660,726 293,393 367,333 28,971,940
2 660,726 289,719 371,007 28,600,934 Present Value Interest Factor Anuity d
3 660,726 286,009 374,717 28,226,217 Tabel Amortisasi Pinjaman Tahunan
4 660,726 282,262 378,464 27,847,753 Angsuran Bunga
5 660,726 278,478 382,249 27,465,504 Tahun Tahunan per Tahun
6 660,726 274,655 386,071 27,079,433
7 660,726 270,794 389,932 26,689,501 0 7,430,618
8 660,726 266,895 393,831 26,295,670 1 7,430,618 2,708,326
9 660,726 262,957 397,769 25,897,901 2 7,430,618 2,141,651
10 660,726 258,979 401,747 25,496,153 3 7,430,618 1,506,975
11 660,726 254,962 405,765 25,090,389 4 7,430,618 796,138
12 660,726 250,904 409,822 24,680,566 37,153,089
13 660,726 246,806 413,921 24,266,646
14 660,726 242,666 418,060 23,848,586
15 660,726 238,486 422,240 23,426,346
16 660,726 234,263 426,463 22,999,883
17 660,726 229,999 430,727 22,569,156
18 660,726 225,692 435,035 22,134,121
19 660,726 221,341 439,385 21,694,736
20 660,726 216,947 443,779 21,250,958
21 660,726 212,510 448,217 20,802,741
22 660,726 208,027 452,699 20,350,042
23 660,726 203,500 457,226 19,892,816
24 660,726 198,928 461,798 19,431,018
25 660,726 194,310 466,416 18,964,602
26 660,726 189,646 471,080 18,493,522
27 660,726 184,935 475,791 18,017,731
28 660,726 180,177 480,549 17,537,183
29 660,726 175,372 485,354 17,051,828
30 660,726 170,518 490,208 16,561,620
31 660,726 165,616 495,110 16,066,510
32 660,726 160,665 500,061 15,566,449
33 660,726 155,664 505,062 15,061,388
34 660,726 150,614 510,112 14,551,275
35 660,726 145,513 515,213 14,036,062
36 660,726 140,361 520,366 13,515,696
37 660,726 135,157 525,569 12,990,127
38 660,726 129,901 530,825 12,459,302
39 660,726 124,593 536,133 11,923,169
40 660,726 119,232 541,494 11,381,675
41 660,726 113,817 546,909 10,834,765
42 660,726 108,348 552,379 10,282,387
43 660,726 102,824 557,902 9,724,484
44 660,726 97,245 563,481 9,161,003
45 660,726 91,610 569,116 8,591,887
46 660,726 85,919 574,807 8,017,080
47 660,726 80,171 580,555 7,436,524
48 660,726 74,365 586,361 6,850,163
49 660,726 68,502 592,225 6,257,939
50 660,726 62,579 598,147 5,659,792
51 660,726 56,598 604,128 5,055,664
52 660,726 50,557 610,170 4,445,494
53 660,726 44,455 616,271 3,829,223
54 660,726 38,292 622,434 3,206,789
55 660,726 32,068 628,658 2,578,131
56 660,726 25,781 634,945 1,943,186
57 660,726 19,432 641,294 1,301,892
58 660,726 13,019 647,707 654,184
59 660,726 6,542 654,184 0
Interest Factor Anuity due
asi Pinjaman Tahunan
Pokok Saldo
Pinjaman Utang
30,000,000
22,569,382
4,722,292 17,847,090
5,288,967 12,558,123
5,923,643 6,634,480
6,634,480 0