Target laba tiap tahun Rp 7,000,000,000

Banyaknya periode 10
Bunga 15%
Nilai investasi maksimum Rp 35,131,380,381

Periode Nilai investasi Bunga Laba

1 Rp 35,131,380,381 Rp 5,269,707,057 Rp 7,000,000,000
2 Rp 33,401,087,438 Rp 5,010,163,116 Rp 7,000,000,000
3 Rp 31,411,250,554 Rp 4,711,687,583 Rp 7,000,000,000
4 Rp 29,122,938,137 Rp 4,368,440,721 Rp 7,000,000,000
5 Rp 26,491,378,857 Rp 3,973,706,829 Rp 7,000,000,000
6 Rp 23,465,085,686 Rp 3,519,762,853 Rp 7,000,000,000
7 Rp 19,984,848,539 Rp 2,997,727,281 Rp 7,000,000,000
8 Rp 15,982,575,820 Rp 2,397,386,373 Rp 7,000,000,000
9 Rp 11,379,962,193 Rp 1,706,994,329 Rp 7,000,000,000
10 Rp 6,086,956,522 Rp 913,043,478 Rp 7,000,000,000

Present Value
40000000000
35000000000
30000000000 Periode
Nilai investasi
25000000000 Bunga
20000000000 Laba
Nilai akhir
15000000000
10000000000
5000000000
0
1 2 3 4 5 6 7 8 9 10

Nlai Kredit Rp 20,000,000

Bunga per tahun 18%
Waktu 10
Angsuran per Tahun Rp 4,450,293

Tahun ke Saldo Awal Angsuran per tahun Bunga per Tahun

1 Rp 20,000,000 Rp 4,450,293 Rp 3,600,000
2 Rp 19,149,707 Rp 4,450,293 Rp 3,446,947
3 Rp 18,146,362 Rp 4,450,293 Rp 3,266,345
4 Rp 16,962,414 Rp 4,450,293 Rp 3,053,235
5 Rp 15,565,356 Rp 4,450,293 Rp 2,801,764
6 Rp 13,916,827 Rp 4,450,293 Rp 2,505,029
7 Rp 11,971,563 Rp 4,450,293 Rp 2,154,881
8 Rp 9,676,151 Rp 4,450,293 Rp 1,741,707
9 Rp 6,967,566 Rp 4,450,293 Rp 1,254,162
10 Rp 3,771,435 Rp 4,450,293 Rp 678,858

Fungsi PMT
100%
90%
80% Saldo akhir
70% Cicilan pokok pinjaman
Bunga per Tahun
60%
Angsuran per tahun
50% Saldo Awal
40% Tahun ke
30%
20%
10%
0%
1 2 3 4 5 6 7 8 9 10
 Bunga per tahun
Jumlah periode
Nilai
Total ditambah bunga

Nilai akhir Periode Nilai

Rp 33,401,087,438 1 Rp 1,176,065,432
Rp 31,411,250,554 2 Rp 2,563,822,641
Rp 29,122,938,137 3 Rp 5,589,133,357
Rp 26,491,378,857 4 Rp 12,184,310,719
Rp 23,465,085,686 5 Rp 26,561,797,367
Rp 19,984,848,539 6 Rp 57,904,718,259
Rp 15,982,575,820 7 Rp 126,232,285,805
Rp 11,379,962,193 8 Rp 275,186,383,056
Rp 6,086,956,522 9 Rp 599,906,315,062
Rp - 10 Rp 1,307,795,766,835

Future Value
3500000000000

3000000000000
Periode
2500000000000
Nilai investasi
Bunga 2000000000000
Laba
Nilai akhir 1500000000000

1000000000000

500000000000

0
10 1 2 3 4 5 6 7 8 9 10

Harga perolehan
Umur ekonomis
Nilai Sisa
Metode Garis Lurus
Tahun
Cicilan pokok pinjaman Saldo akhir 1
Rp 850,293 Rp 19,149,707 2
Rp 1,003,346 Rp 18,146,362 3
Rp 1,183,948 Rp 16,962,414 4
 Rp 1,397,058 Rp 15,565,356 5
Rp 1,648,529 Rp 13,916,827 6
Rp 1,945,264 Rp 11,971,563 7
Rp 2,295,412 Rp 9,676,151 8
Rp 2,708,586 Rp 6,967,566 9
Rp 3,196,131 Rp 3,771,435 10
Rp 3,771,435 Rp -

Straight Line Method

100000000
90000000
Saldo akhir 80000000
Cicilan pokok pinjaman 70000000
Bunga per Tahun 60000000
Angsuran per tahun 50000000
Saldo Awal 40000000
Tahun ke 30000000
20000000
10000000
0
1 2 3 4 5 6 7 8 9 10
 18%
10
Rp 50,000,000
Rp 1,176,065,432

Bunga Total
Rp 211,691,778 Rp 1,387,757,209
Rp 461,488,075 Rp 3,025,310,716
Rp 1,006,044,004 Rp 6,595,177,361
Rp 2,193,175,929 Rp 14,377,486,648
Rp 4,781,123,526 Rp 31,342,920,893
Rp 10,422,849,287 Rp 68,327,567,546
Rp 22,721,811,445 Rp 148,954,097,250
Rp 49,533,548,950 Rp 324,719,932,006
Rp 107,983,136,711 Rp 707,889,451,773
Rp 235,403,238,030 Rp 1,543,199,004,865

Future Value

Total
Bunga
Nilai
Periode

3 4 5 6 7 8 9 10

Rp 100,000,000
10
Rp 15,000,000
Metode Garis Lurus
Penyusutan Akumulasi Penyusutan Nilai Sisa
Rp 8,500,000 Rp 8,500,000 Rp 91,500,000
Rp 8,500,000 Rp 17,000,000 Rp 83,000,000
Rp 8,500,000 Rp 25,500,000 Rp 74,500,000
Rp 8,500,000 Rp 34,000,000 Rp 66,000,000
 Rp 8,500,000 Rp 42,500,000 Rp 57,500,000
Rp 8,500,000 Rp 51,000,000 Rp 49,000,000
Rp 8,500,000 Rp 59,500,000 Rp 40,500,000
Rp 8,500,000 Rp 68,000,000 Rp 32,000,000
Rp 8,500,000 Rp 76,500,000 Rp 23,500,000
Rp 8,500,000 Rp 85,000,000 Rp 15,000,000

Straight Line Method

Tahun
Penyusutan
Akumulasi Penyusutan
Nilai Sisa

1 2 3 4 5 6 7 8 9 10