Perhitungan Saldo Rata-Rata Harian (Dalam 1 Bulan)

Tabungan Mudharabah
Andi
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Setor Awal 1,500,000 12 18,000,000 580,645

13 Bayar Uang SPP (50,000) 1,450,000 2 2,900,000 93,548
15 Hadiah dari Ayah 500,000 1,950,000 11 21,450,000 691,935
26 Setor Tunai 400,000 2,350,000 1 2,350,000 75,806
27 Iuaran OSIS (100,000) 2,250,000 3 6,750,000 217,742
30 Setor Tunai 500,000 2,750,000 2 5,500,000 177,419
31 56,950,000 1,837,097

1,837,096.77
Haji Milikimas
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Saldo Awal 2,000,000 4 8,000,000

5 Bagi Hasil Deposito 500,000 2,500,000 4 10,000,000
9 Setor Kliring 2,500,000 5,000,000 10 50,000,000
19 Setor Tunai 1,000,000 6,000,000 1 6,000,000
20 Tarik Tunai (500,000) 5,500,000 6 33,000,000
26 Transfer masuk 1,000,000 6,500,000 6 39,000,000
31 146,000,000 4,709,677

Haji Makarim
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Saldo Awal 2,500,000 12 30,000,000

13 Setor Tunai 1,000,000 3,500,000 2 7,000,000
15 Setor Tunai 3,000,000 6,500,000 1 6,500,000
16 Setor Tunai 2,000,000 8,500,000 10 85,000,000
26 Tarik Tunai (1,500,000) 7,000,000 6 42,000,000
31 170,500,000 5,500,000

Haji Mansyur
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Setor Awal - 29 -

30 Setoran awal 10,000,000 10,000,000 2 20,000,000
31 20,000,000 645,161

Qubro RMD
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Saldo Awal 15,000,000 5 75,000,000

6 Tarik Tunai (1,500,000) 13,500,000 2 27,000,000
8 Tarik Tunai (1,000,000) 12,500,000 21 262,500,000
29 Tarik Tunai (2,500,000) 10,000,000 1 10,000,000
30 Setor Tunai 10,000,000 20,000,000 2 40,000,000
31 414,500,000 13,370,968
62 829,000,000 13,370,968

Total Saldo Harian Nasabah 26,062,903

Catatan : PR Dari Bpk.Duddy Yustiadi, Penghitungan Bagi Hasil/Profit Distribution

 Perhitungan Saldo Rata-Rata Harian (Dalam 1 Bulan)
DEPOSITO MUDHARABAH
1 Deposito jangka waktu 1 bulan

No Nama Tgl Investasi Tgl Jt Tempo Nisbah Nominal Hari Perhitungan Saldo Rata-rata harian

1 Amir 6 Juni 2004 6 Juli 2004 60 : 40 5,000,000 5 25,000,000 806,452

2 Aman 5 5 Juli 2004 5 Agustus 2004 60 : 40 4,000,000 27 108,000,000 3,483,871
3 Datuk 14 14 Juli 2004 14 Agustus 2004 60 : 40 3,000,000 18 54,000,000 1,741,935
4 Ahmad 19 19 Juli 2004 19 Agustus 2004 60 : 40 4,500,000 13 58,500,000 1,887,097
5 Engkus 20 20 Juli 2004 20 Agustus 2004 60 : 40 3,000,000 12 36,000,000 1,161,290
Total saldo rata-rata harian 9,080,645

2 Deposito jangka waktu 3 bulan

No Nama Tgl Investasi Tgl Jt Tempo Nisbah Nominal Hari Perhitungan Saldo Rata-rata harian

1 Marsinah 8 Mei 2004 8 Agustus 2004 65 : 35 10,000,000 31 310,000,000 10,000,000

2 Marwan 20 Juni 2004 20 Spt 2004 65 : 35 5,000,000 31 155,000,000 5,000,000
3 Ghoib 10 10 Juli 2004 10 Oktober 2004 65 : 35 4,000,000 22 88,000,000 2,838,710
4 Setianop 12 12 Juli 2004 12 Oktober 2004 65 : 35 6,000,000 20 120,000,000 3,870,968
5 Joko 19 19 Juli 2004 19 Oktober 2004 65 : 35 10,000,000 13 130,000,000 4,193,548
Total saldo rata-rata harian 25,903,226

3 Deposito jangka waktu 6 bulan

No Nama Tgl Investasi Tgl Jt Tempo Nisbah Nominal Hari Perhitungan Saldo Rata-rata harian

1 Zaki 4-Apr-04 04 Oktober 2004 66:34 6,000,000 31 186,000,000 6,000,000

2 Indra 07 Mei 2004 7-Nov-04 66:34 8,000,000 31 248,000,000 8,000,000
3 Marzuki 8 Juni 2004 08 Desember 2004 66:34 10,000,000 31 310,000,000 10,000,000
4 Akbar 9 09 Juli 2004 09 Januari 2005 66:34 20,000,000 23 460,000,000 14,838,710
5 Makruh 10 10 Juli 2004 10 Januari 2005 66:34 30,000,000 22 660,000,000 21,290,323
Total saldo rata-rata harian 60,129,032

4 Deposito jangka waktu 12 bulan

No Nama Tgl Investasi Tgl Jt Tempo Nisbah Nominal Hari Perhitungan Saldo Rata-rata harian

1 Marbun 27 Desember 2003 27 Desember 2004 70:30 15,000,000 31 465,000,000 15,000,000

2 Deka 05 Januari 2004 05 Januari 2005 70:30 10,000,000 31 310,000,000 10,000,000
3 Deki 26 Maret 2004 26 Maret 2005 70:30 20,000,000 31 620,000,000 20,000,000
4 Yanu'an 30-Apr-04 30-Apr-05 70:30 5,000,000 31 155,000,000 5,000,000
5 Sahid 20 Mei 2004 20 Mei 2005 70:30 5,000,000 31 155,000,000 5,000,000
Total saldo rata-rata harian 55,000,000

Catatan : PR Dari Bpk.Duddy Yustiadi, Penghitungan Bagi Hasil/Profit Distribution

 Perhitungan Saldo Rata-Rata Harian (Dalam 1 Bulan)
GIRO WADIAH
1 Hajah Siti Aminah
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian Bonus
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Setor Awal 1,000,000 1 1,000,000

2 Setor Kliring 2,000,000 3,000,000 3 9,000,000
5 Setor Tunai 3,000,000 6,000,000 9 54,000,000
14 Transfer ke Bank lain (500,000) 5,500,000 2 11,000,000
16 Tarik Tunai (1,000,000) 4,500,000 10 45,000,000
26 Setor Kliring 4,000,000 8,500,000 6 51,000,000
31 171,000,000 5,516,129 103,134

2 Ahmad Badrudin
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Saldo Awal 3,000,000 2 6,000,000

3 Penarikan Tunai (500,000) 2,500,000 3 7,500,000
6 Setor Tunai 2,000,000 4,500,000 6 27,000,000
12 Setor Kliring 1,000,000 5,500,000 8 44,000,000
20 Tarik Tunai (2,000,000) 3,500,000 5 17,500,000
25 Setor Tunai 1,000,000 4,500,000 7 31,500,000
31 133,500,000 4,306,452 80,517

3 Tuan Adam
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Saldo Awal - 18 -

19 Setor Kliring 2,000,000 2,000,000 0 -
19 Transfer Dari Bank lain 5,000,000 7,000,000 1 7,000,000
20 Tarik Via Kliring (2,000,000) 5,000,000 2 10,000,000
22 Setor Via Kliring 4,000,000 9,000,000 1 9,000,000
23 Setor Tunai 1,000,000 10,000,000 5 50,000,000
28 Bagi Hasil Deposito 500,000 10,500,000 4 42,000,000
 31 118,000,000 3,806,452 71,169

4 Tuan Ihsan
Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Setor Awal 4,000,000 6 24,000,000

7 Penarikan Tunai (1,000,000) 3,000,000 5 15,000,000
12 Saldo - 3,000,000 2 6,000,000
14 Setor Tunai 3,500,000 6,500,000 2 13,000,000
16 Transfer ke Bank lain (500,000) 6,000,000 10 60,000,000
26 Setor Kliring 1,000,000 7,000,000 2 14,000,000
28 Tarik Via Kliring (4,000,000) 3,000,000 4 12,000,000
31 144,000,000 4,645,161 86,850

5 Ir. Khalid Khan

Bln Tgl Keterangan Mutasi Saldo Hari Perhitungan Saldo Rata-rata harian
1 2 3 4=(2x3) 5 = (Total 4xjumlah hari dalam 1 bulan)

Juli 1 Setor Awal 20,000,000 18 360,000,000

19 Saldo 20,000,000 3 60,000,000
22 Setor Kliring Cek/Efektif 15,000,000 35,000,000 1 35,000,000
23 Tolakan Kliring - 35,000,000 9 315,000,000

31 770,000,000 24,838,710 464,405

Total Saldo Harian Nasabah 43,112,903 806,074

Catatan : PR Dari Bpk.Duddy Yustiadi, Penghitungan Bagi Hasil/Profit Distribution

 DISTRIBUSI PENDAPATAN

RATA-RATA SEBULAN PENDAPATAN PORSI SHAHIBUL MAAL PORSI MUDHARIB

JENIS SIMPANAN SALDO HARIAN YANG DIBAGI NISBAH PENDAPATAN RTN NISBAH PENDAPATAN RTN
(A) (B) (C) (D)=(B)X(C) (E) (F)=(B)X(E)

GIRO WADIAH 43,112,903 4,030,369 0.20 806,074 1.87% 0.80 3,224,296 7.5%

TABUNGAN MUDHARABAH 26,062,903 2,436,466 0.53 1,291,327 4.95% 0.47 1,145,139 4.4%

DEPOSITO MUDHARABAH

1 BLN 9,080,645 848,896 0.60 509,337 5.61% 0.40 339,558 3.7%

3 BLN 25,903,226 2,421,539 0.65 1,574,000 6.08% 0.35 847,539 3.3%

6 BLN 60,129,032 5,621,106 0.66 3,709,930 6.17% 0.34 1,911,176 3.2%

12 BLN 55,000,000 5,141,624 0.70 3,599,137 6.54% 0.30 1,542,487 2.8%

GRAND TOTAL 219,288,710 20,500,000 11,489,805 9,010,195

Edy Setiadi/BTN
Catatan : PR Dari Bpk.Duddy Yustiadi, Penghitungan Bagi Hasil/Profit Distribution
 TABEL BAGI HASIL
PEMBAGIAN PENDAPATAN SEBELUM ZAKAT DAN PAJAK
UNTUK PENYIMPAN DANA DAN BANK
Edy Setiadi/BTN

RATA-RATA SEBULAN PORSI PENDAPATAN DISTRIBUSI PENYIMPAN DANA BANK

JENIS SIMPANAN SALDO HARIAN BOBOT TERTIMBANG PENDAPATAN PORSI PENDAPATAN RTN PORSI PENDAPATAN RTN
(A) (B) (A)X(B)=(C) (D)=C1/Ttl C x Ttl D (E) (F)=(D)X(E) (G)=F1/A1*100 (H) (I)=(D)X(G) (J)=H1/A1*100

GIRO WADIAH 250,000,000 0.70 175,000,000 14,757,104 0.25 3,689,276 1.48% 0.75 11,067,828 4.43%

TABUNGAN MUDHARABAH 350,000,000 1.00 350,000,000 29,514,207 0.55 16,232,814 4.64% 0.45 13,281,393 3.79%

DEPOSITO MUDHARABAH

1 BLN 500,000,000 0.80 400,000,000 33,730,522 0.57 19,226,398 3.85% 0.43 14,504,125 2.90%

3 BLN 550,000,000 0.85 467,500,000 39,422,548 0.60 23,653,529 4.30% 0.40 15,769,019 2.87%

6 BLN 650,000,000 0.90 585,000,000 49,330,889 0.58 28,611,916 4.40% 0.42 20,718,973 3.19%

12 BLN 750,000,000 1.00 750,000,000 63,244,730 0.57 36,049,496 4.81% 0.43 27,195,234 3.63%

GRAND TOTAL 3,050,000,000 2,727,500,000 230,000,000 127,463,428 102,536,572

Edy Setiadi/BTN
Catatan : PR Dari Bpk.Duddy Yustiadi, Penghitungan Bagi Hasil/Profit Distribution
 SALDO AKHIR
JENIS DPK BOBOT
BULAN
(A) (B)

GIRO WADIAH 600,000,000 0.95

TABUNGAN MUDHARABAH 1,000,000,000 0.95

DEPOSITO MUDHARABAH

1 BLN 575,000,000 0.95

3 BLN 450,000,000 0.95

6 BLN 825,000,000 0.95

12 BLN 740,000,000 0.95

GRAND TOTAL 4,190,000,000

Rp 600.000.000,- Bonus 20%

Tabungan Mudharabah Rp 1.000.000.000,- Nisbah 30 : 70
Deposito 1 bulan Rp 575.000.000,- Nisbah 35 : 65
Deposito 3 bulan Rp 450.000.000,- Nisbah 35 : 65
Deposito 6 bulan Rp 825.000.000,- Nisbah 40 : 60
Deposito 12 bulan Rp 740.000.000,- Nisbah 45 : 55
Giro Wajib Minimum 5%, Excess Reserve 5% dan Floating Rate 2%. Pendapatan dari pembiayaan tersebut adalah
Dari data tersebut,:
a. Hitunglah bobot dengan menggunakan metode saldo bulanan, rata-rata harian, dan bobot ketika GWM, ER dan
b. Buatlah tabel distribusi bagi hasil dengan menggunakan metode saldo rata-rata harian!
 PORSI PENDAPATAN DISTRIBUSI NASABAH
TERTIMBANG PENDAPATAN NISBAH PENDAPATAN
C=(A)X(B) (D)=C1/Ttl C x Ttl D (E) (F)=(D)X(E)

570,000,000 257,756,563.25 0.20 51,551,313

- -
950,000,000 429,594,272.08 0.30 128,878,282
- -
- -
- -
546,250,000 247,016,706.44 0.35 86,455,847
- -
427,500,000 193,317,422.43 0.35 67,661,098
- -
783,750,000 354,415,274.46 0.40 141,766,110
- -
703,000,000 317,899,761.34 0.45 143,054,893

3,980,500,000 1,800,000,000

dapatan dari pembiayaan tersebut adalah sebesar Rp 1.800.000.000,-.

harian, dan bobot ketika GWM, ER dan FR ditanggung oleh modal bank!
o rata-rata harian!
ASABAH BANK
E.RATE NISBAH PENDAPATAN E.RATE
(G)=F1/A1*100% (H) (I)=(D)X(H) (J)=I1/A1*100%

8.59% 0.80

12.89% 0.70

15.04% 0.65

15.04% 0.65

17.18% 0.65

19.33% 0.65
 nacabah

250,000,000 3,689,275
350,000,000 16,232,814
500,000,000 19,226,398
550,000,000 23,653,528
650,000,000 28,611,916
750,000,000 36,049,496
rtn

1.48% 11,067,825 4.43%

4.64% 13,281,393 3.79%
3.85% 14,504,124 2.90%
4.30% 15,769,020 2.87%
4.40% 20,718,973 3.19%
4.81% 27,195,234 3.63%