kasus 1

tingkat bunga 5%
periode 5
anuitas
nilai sekrang pv -100000
IDR127,628.16

kasus 2
tingkat bunga 7%
periode 5
anuitas -1000000
nilai sekrang pv IDR5,750,739.01

kasus 3
tingkat bunga 2%
periode 24
anuitas 0
nilai sekrang pv -13000000
IDR395,484,212.16

kasus 4
tingkat bunga 2.92% 35%
periode 12
anuitas -300000
nilai sekrang pv -2500000
tipe pembayaran 0
fv dari anuitas IDR7,769,632.38

kasus 5
tingkat bunga 12%
periode 3
anuitas 0
nilai sekrang pv -2500000
tipe pembayaran 0
fv dari anuitas IDR3,512,320.00

kasus 6
tingkat bunga 11%
periode 5
anuitas
nilai sekrang pv 16000000
tipe pembayaran 0
jadi pv (IDR9,495,221.25)

kasus 7
tingkat bunga 15%
periode 5
anuitas 0
nilai sekrang pv 10000000
tipe pembayaran 0
jadi pv (IDR4,971,767.35)

kasus 8
tingkat bunga 10%
periode 4
anuitas 1000
nilai sekrang pv 0
tipe pembayaran 0
jadi pv (IDR3,169.87)

kasus 9
tingkat bunga 3% 35% 35% di bagi 12 bulan
periode 48 4 thn
anuitas 600000
nilai sekrang pv 0
tipe pembayaran 0
jadi pv (IDR15,395,952.59)

kasus 10
tingkat bunga 1% 17%
periode 72 6
anuitas 9000000
nilai sekrang pv 7500000
tipe pembayaran 0
jadi pv (IDR407,288,616.76)
% di bagi 12 bulan
 kasus 11
angsuran p bunga menurun
angsuran p bunga tetap
angsuran p bunga efektif

Bunga menurun
bunga pinjaman pertahun 15%
jangka waktu pinjaman 48
pokok pinjaman 200,000,000
tanggal pinjaman 1-Mar-20

bulan ke bulan pokok pinjaman cicilan pokok

pinjaman
0 ppmt
1 Mar-20 200,000,000 IDR3,066,149.67
2 Apr-20 196,933,850 IDR3,104,476.54
3 May-20 193,829,374 IDR3,143,282.50
4 Jun-20 190,686,091 IDR3,182,573.53
5 Jul-20 187,503,518 IDR3,222,355.70
6 Aug-20 184,281,162 IDR3,262,635.14
7 Sep-20 181,018,527 IDR3,303,418.08
8 Oct-20 177,715,109 IDR3,344,710.81
9 Nov-20 174,370,398 IDR3,386,519.69
10 Dec-20 170,983,878 IDR3,428,851.19
11 Jan-21 167,555,027 IDR3,471,711.83
12 Feb-21 164,083,315 IDR3,515,108.23
13 Mar-21 160,568,207 IDR3,559,047.08
14 Apr-21 157,009,160 IDR3,603,535.17
15 May-21 153,405,625 IDR3,648,579.36
16 Jun-21 149,757,045 IDR3,694,186.60
17 Jul-21 146,062,859 IDR3,740,363.93
18 Aug-21 142,322,495 IDR3,787,118.48
19 Sep-21 138,535,376 IDR3,834,457.46
20 Oct-21 134,700,919 IDR3,882,388.18
21 Nov-21 130,818,531 IDR3,930,918.03
22 Dec-21 126,887,613 IDR3,980,054.51
23 Jan-22 122,907,558 IDR4,029,805.19
24 Feb-22 118,877,753 IDR4,080,177.75
25 Mar-22 114,797,575 IDR4,131,179.98
26 Apr-22 110,666,395 IDR4,182,819.73
27 May-22 106,483,576 IDR4,235,104.97
28 Jun-22 102,248,471 IDR4,288,043.79
29 Jul-22 97,960,427 IDR4,341,644.33
30 Aug-22 93,618,783 IDR4,395,914.89
31 Sep-22 89,222,868 IDR4,450,863.82
32 Oct-22 84,772,004 IDR4,506,499.62
33 Nov-22 80,265,504 IDR4,562,830.87
34 Dec-22 75,702,673 IDR4,619,866.25
35 Jan-23 71,082,807 IDR4,677,614.58
36 Feb-23 66,405,193 IDR4,736,084.76
37 Mar-23 61,669,108 IDR4,795,285.82
38 Apr-23 56,873,822 IDR4,855,226.89
39 May-23 52,018,595 IDR4,915,917.23
40 Jun-23 47,102,678 IDR4,977,366.20
41 Jul-23 42,125,312 IDR5,039,583.27
42 Aug-23 37,085,728 IDR5,102,578.06
43 Sep-23 31,983,150 IDR5,166,360.29
44 Oct-23 26,816,790 IDR5,230,939.79
45 Nov-23 21,585,850 IDR5,296,326.54
46 Dec-23 16,289,524 IDR5,362,530.62
47 Jan-24 10,926,993 IDR5,429,562.26
48 Feb-24 5,497,431 IDR5,497,431.78
 akhir periode 0
akhir periode 1

bunga angsuran perbulan saldo pokok pinjaman

ipmt pmt 200,000,000
IDR2,500,000.00 IDR5,566,149.65 IDR196,933,850.33
IDR2,461,673.13 IDR5,566,149.65 IDR193,829,373.79
IDR2,422,867.17 IDR5,566,149.65 IDR190,686,091.30
IDR2,383,576.14 IDR5,566,149.65 IDR187,503,517.77
IDR2,343,793.97 IDR5,566,149.65 IDR184,281,162.07
IDR2,303,514.53 IDR5,566,149.65 IDR181,018,526.93
IDR2,262,731.59 IDR5,566,149.65 IDR177,715,108.85
IDR2,221,438.86 IDR5,566,149.65 IDR174,370,398.04
IDR2,179,629.98 IDR5,566,149.65 IDR170,983,878.35
IDR2,137,298.48 IDR5,566,149.65 IDR167,555,027.16
IDR2,094,437.84 IDR5,566,149.65 IDR164,083,315.33
IDR2,051,041.44 IDR5,566,149.65 IDR160,568,207.10
IDR2,007,102.59 IDR5,566,149.65 IDR157,009,160.02
IDR1,962,614.50 IDR5,566,149.65 IDR153,405,624.85
IDR1,917,570.31 IDR5,566,149.65 IDR149,757,045.49
IDR1,871,963.07 IDR5,566,149.65 IDR146,062,858.89
IDR1,825,785.74 IDR5,566,149.65 IDR142,322,494.96
IDR1,779,031.19 IDR5,566,149.65 IDR138,535,376.48
IDR1,731,692.21 IDR5,566,149.65 IDR134,700,919.02
IDR1,683,761.49 IDR5,566,149.65 IDR130,818,530.84
IDR1,635,231.64 IDR5,566,149.65 IDR126,887,612.80
IDR1,586,095.16 IDR5,566,149.65 IDR122,907,558.29
IDR1,536,344.48 IDR5,566,149.65 IDR118,877,753.10
IDR1,485,971.92 IDR5,566,149.65 IDR114,797,575.35
IDR1,434,969.70 IDR5,566,149.65 IDR110,666,395.37
IDR1,383,329.95 IDR5,566,149.65 IDR106,483,575.65
IDR1,331,044.70 IDR5,566,149.65 IDR102,248,470.67
IDR1,278,105.89 IDR5,566,149.65 IDR97,960,426.89
IDR1,224,505.34 IDR5,566,149.65 IDR93,618,782.56
IDR1,170,234.79 IDR5,566,149.65 IDR89,222,867.67
IDR1,115,285.85 IDR5,566,149.65 IDR84,772,003.85
IDR1,059,650.06 IDR5,566,149.65 IDR80,265,504.23
IDR1,003,318.81 IDR5,566,149.65 IDR75,702,673.36
IDR946,283.42 IDR5,566,149.65 IDR71,082,807.11
IDR888,535.10 IDR5,566,149.65 IDR66,405,192.53
IDR830,064.91 IDR5,566,149.65 IDR61,669,107.77
IDR770,863.86 IDR5,566,149.65 IDR56,873,821.95
IDR710,922.78 IDR5,566,149.65 IDR52,018,595.05
IDR650,232.45 IDR5,566,149.65 IDR47,102,677.82
IDR588,783.48 IDR5,566,149.65 IDR42,125,311.62
IDR526,566.41 IDR5,566,149.65 IDR37,085,728.35
IDR463,571.61 IDR5,566,149.65 IDR31,983,150.29
IDR399,789.39 IDR5,566,149.65 IDR26,816,790.00
IDR335,209.89 IDR5,566,149.65 IDR21,585,850.20
IDR269,823.14 IDR5,566,149.65 IDR16,289,523.66
IDR203,619.06 IDR5,566,149.65 IDR10,926,993.04
IDR136,587.42 IDR5,566,149.65 IDR5,497,430.78
IDR68,717.90 IDR5,566,149.65 (IDR1.00)
saldo menurun

bunga pinjaman pertahun 15%

jangka waktu pinjaman 48
pokok pinjaman 200,000,000
tanggal pinjaman 1-Mar-20

bulan ke bulan pokok pinjaman cicilan pokok

pinjaman

0
1 Mar-20 Rp200,000,000 Rp4,166,667
2 Apr-20 Rp195,833,333 Rp4,166,667
3 May-20 Rp191,666,667 Rp4,166,667
4 Jun-20 Rp187,500,000 Rp4,166,667
5 Jul-20 Rp183,333,333 Rp4,166,667
6 Aug-20 Rp179,166,667 Rp4,166,667
7 Sep-20 Rp175,000,000 Rp4,166,667
8 Oct-20 Rp170,833,333 Rp4,166,667
9 Nov-20 Rp166,666,667 Rp4,166,667
10 Dec-20 Rp162,500,000 Rp4,166,667
11 Jan-21 Rp158,333,333 Rp4,166,667
12 Feb-21 Rp154,166,667 Rp4,166,667
13 Mar-21 Rp150,000,000 Rp4,166,667
14 Apr-21 Rp145,833,333 Rp4,166,667
15 May-21 Rp141,666,667 Rp4,166,667
16 Jun-21 Rp137,500,000 Rp4,166,667
17 Jul-21 Rp133,333,333 Rp4,166,667
18 Aug-21 Rp129,166,667 Rp4,166,667
19 Sep-21 Rp125,000,000 Rp4,166,667
20 Oct-21 Rp120,833,333 Rp4,166,667
21 Nov-21 Rp116,666,667 Rp4,166,667
22 Dec-21 Rp112,500,000 Rp4,166,667
23 Jan-22 Rp108,333,333 Rp4,166,667
24 Feb-22 Rp104,166,667 Rp4,166,667
25 Mar-22 Rp100,000,000 Rp4,166,667
26 Apr-22 Rp95,833,333 Rp4,166,667
27 May-22 Rp91,666,667 Rp4,166,667
28 Jun-22 Rp87,500,000 Rp4,166,667
29 Jul-22 Rp83,333,333 Rp4,166,667
30 Aug-22 Rp79,166,667 Rp4,166,667
31 Sep-22 Rp75,000,000 Rp4,166,667
32 Oct-22 Rp70,833,333 Rp4,166,667
33 Nov-22 Rp66,666,667 Rp4,166,667
34 Dec-22 Rp62,500,000 Rp4,166,667
35 Jan-23 Rp58,333,333 Rp4,166,667
36 Feb-23 Rp54,166,667 Rp4,166,667
37 Mar-23 Rp50,000,000 Rp4,166,667
38 Apr-23 Rp45,833,333 Rp4,166,667
39 May-23 Rp41,666,667 Rp4,166,667
40 Jun-23 Rp37,500,000 Rp4,166,667
41 Jul-23 Rp33,333,333 Rp4,166,667
42 Aug-23 Rp29,166,667 Rp4,166,667
43 Sep-23 Rp25,000,000 Rp4,166,667
44 Oct-23 Rp20,833,333 Rp4,166,667
45 Nov-23 Rp16,666,667 Rp4,166,667
46 Dec-23 Rp12,500,000 Rp4,166,667
47 Jan-24 Rp8,333,333 Rp4,166,667
48 Feb-24 Rp4,166,667 Rp4,166,667
bunga angsuran perbulan saldo pokok pinjaman

200,000,000
Rp2,500,000 Rp6,666,667 Rp195,833,333
Rp2,447,917 Rp6,614,583 Rp191,666,667
Rp2,395,833 Rp6,562,500 Rp187,500,000
Rp2,343,750 Rp6,510,417 Rp183,333,333
Rp2,291,667 Rp6,458,333 Rp179,166,667
Rp2,239,583 Rp6,406,250 Rp175,000,000
Rp2,187,500 Rp6,354,167 Rp170,833,333
Rp2,135,417 Rp6,302,083 Rp166,666,667
Rp2,083,333 Rp6,250,000 Rp162,500,000
Rp2,031,250 Rp6,197,917 Rp158,333,333
Rp1,979,167 Rp6,145,833 Rp154,166,667
Rp1,927,083 Rp6,093,750 Rp150,000,000
Rp1,875,000 Rp6,041,667 Rp145,833,333
Rp1,822,917 Rp5,989,583 Rp141,666,667
Rp1,770,833 Rp5,937,500 Rp137,500,000
Rp1,718,750 Rp5,885,417 Rp133,333,333
Rp1,666,667 Rp5,833,333 Rp129,166,667
Rp1,614,583 Rp5,781,250 Rp125,000,000
Rp1,562,500 Rp5,729,167 Rp120,833,333
Rp1,510,417 Rp5,677,083 Rp116,666,667
Rp1,458,333 Rp5,625,000 Rp112,500,000
Rp1,406,250 Rp5,572,917 Rp108,333,333
Rp1,354,167 Rp5,520,833 Rp104,166,667
Rp1,302,083 Rp5,468,750 Rp100,000,000
Rp1,250,000 Rp5,416,667 Rp95,833,333
Rp1,197,917 Rp5,364,583 Rp91,666,667
Rp1,145,833 Rp5,312,500 Rp87,500,000
Rp1,093,750 Rp5,260,417 Rp83,333,333
Rp1,041,667 Rp5,208,333 Rp79,166,667
Rp989,583 Rp5,156,250 Rp75,000,000
Rp937,500 Rp5,104,167 Rp70,833,333
Rp885,417 Rp5,052,083 Rp66,666,667
Rp833,333 Rp5,000,000 Rp62,500,000
Rp781,250 Rp4,947,917 Rp58,333,333
Rp729,167 Rp4,895,833 Rp54,166,667
Rp677,083 Rp4,843,750 Rp50,000,000
Rp625,000 Rp4,791,667 Rp45,833,333
Rp572,917 Rp4,739,583 Rp41,666,667
Rp520,833 Rp4,687,500 Rp37,500,000
Rp468,750 Rp4,635,417 Rp33,333,333
Rp416,667 Rp4,583,333 Rp29,166,667
Rp364,583 Rp4,531,250 Rp25,000,000
Rp312,500 Rp4,479,167 Rp20,833,333
Rp260,417 Rp4,427,083 Rp16,666,667
Rp208,333 Rp4,375,000 Rp12,500,000
Rp156,250 Rp4,322,917 Rp8,333,333
Rp104,167 Rp4,270,833 Rp4,166,667
Rp52,083 Rp4,218,750 Rp0
Bunga flat

bunga pinjaman pertahun 15%

jangka waktu pinjaman 48
pokok pinjaman 200,000,000
tanggal pinjaman 1-Mar-20

bulan ke bulan pokok pinjaman cicilan pokok

pinjaman
0
1 Mar-20 Rp200,000,000 Rp4,166,667
2 Apr-20 Rp195,833,333 Rp4,166,667
3 May-20 Rp191,666,667 Rp4,166,667
4 Jun-20 Rp187,500,000 Rp4,166,667
5 Jul-20 Rp183,333,333 Rp4,166,667
6 Aug-20 Rp179,166,667 Rp4,166,667
7 Sep-20 Rp175,000,000 Rp4,166,667
8 Oct-20 Rp170,833,333 Rp4,166,667
9 Nov-20 Rp166,666,667 Rp4,166,667
10 Dec-20 Rp162,500,000 Rp4,166,667
11 Jan-21 Rp158,333,333 Rp4,166,667
12 Feb-21 Rp154,166,667 Rp4,166,667
13 Mar-21 Rp150,000,000 Rp4,166,667
14 Apr-21 Rp145,833,333 Rp4,166,667
15 May-21 Rp141,666,667 Rp4,166,667
16 Jun-21 Rp137,500,000 Rp4,166,667
17 Jul-21 Rp133,333,333 Rp4,166,667
18 Aug-21 Rp129,166,667 Rp4,166,667
19 Sep-21 Rp125,000,000 Rp4,166,667
20 Oct-21 Rp120,833,333 Rp4,166,667
21 Nov-21 Rp116,666,667 Rp4,166,667
22 Dec-21 Rp112,500,000 Rp4,166,667
23 Jan-22 Rp108,333,333 Rp4,166,667
24 Feb-22 Rp104,166,667 Rp4,166,667
25 Mar-22 Rp100,000,000 Rp4,166,667
26 Apr-22 Rp95,833,333 Rp4,166,667
27 May-22 Rp91,666,667 Rp4,166,667
28 Jun-22 Rp87,500,000 Rp4,166,667
29 Jul-22 Rp83,333,333 Rp4,166,667
30 Aug-22 Rp79,166,667 Rp4,166,667
31 Sep-22 Rp75,000,000 Rp4,166,667
32 Oct-22 Rp70,833,333 Rp4,166,667
33 Nov-22 Rp66,666,667 Rp4,166,667
34 Dec-22 Rp62,500,000 Rp4,166,667
35 Jan-23 Rp58,333,333 Rp4,166,667
36 Feb-23 Rp54,166,667 Rp4,166,667
37 Mar-23 Rp50,000,000 Rp4,166,667
38 Apr-23 Rp45,833,333 Rp4,166,667
39 May-23 Rp41,666,667 Rp4,166,667
40 Jun-23 Rp37,500,000 Rp4,166,667
41 Jul-23 Rp33,333,333 Rp4,166,667
42 Aug-23 Rp29,166,667 Rp4,166,667
43 Sep-23 Rp25,000,000 Rp4,166,667
44 Oct-23 Rp20,833,333 Rp4,166,667
45 Nov-23 Rp16,666,667 Rp4,166,667
46 Dec-23 Rp12,500,000 Rp4,166,667
47 Jan-24 Rp8,333,333 Rp4,166,667
48 Feb-24 Rp4,166,667 Rp4,166,667
 bunga angsuran perbulan saldo pokok
pinjaman
200,000,000
Rp2,500,000 Rp6,666,667 Rp195,833,333
Rp2,500,000 Rp6,666,667 Rp191,666,667
Rp2,500,000 Rp6,666,667 Rp187,500,000
Rp2,500,000 Rp6,666,667 Rp183,333,333
Rp2,500,000 Rp6,666,667 Rp179,166,667
Rp2,500,000 Rp6,666,667 Rp175,000,000
Rp2,500,000 Rp6,666,667 Rp170,833,333
Rp2,500,000 Rp6,666,667 Rp166,666,667
Rp2,500,000 Rp6,666,667 Rp162,500,000
Rp2,500,000 Rp6,666,667 Rp158,333,333
Rp2,500,000 Rp6,666,667 Rp154,166,667
Rp2,500,000 Rp6,666,667 Rp150,000,000
Rp2,500,000 Rp6,666,667 Rp145,833,333
Rp2,500,000 Rp6,666,667 Rp141,666,667
Rp2,500,000 Rp6,666,667 Rp137,500,000
Rp2,500,000 Rp6,666,667 Rp133,333,333
Rp2,500,000 Rp6,666,667 Rp129,166,667
Rp2,500,000 Rp6,666,667 Rp125,000,000
Rp2,500,000 Rp6,666,667 Rp120,833,333
Rp2,500,000 Rp6,666,667 Rp116,666,667
Rp2,500,000 Rp6,666,667 Rp112,500,000
Rp2,500,000 Rp6,666,667 Rp108,333,333
Rp2,500,000 Rp6,666,667 Rp104,166,667
Rp2,500,000 Rp6,666,667 Rp100,000,000
Rp2,500,000 Rp6,666,667 Rp95,833,333
Rp2,500,000 Rp6,666,667 Rp91,666,667
Rp2,500,000 Rp6,666,667 Rp87,500,000
Rp2,500,000 Rp6,666,667 Rp83,333,333
Rp2,500,000 Rp6,666,667 Rp79,166,667
Rp2,500,000 Rp6,666,667 Rp75,000,000
Rp2,500,000 Rp6,666,667 Rp70,833,333
Rp2,500,000 Rp6,666,667 Rp66,666,667
Rp2,500,000 Rp6,666,667 Rp62,500,000
Rp2,500,000 Rp6,666,667 Rp58,333,333
Rp2,500,000 Rp6,666,667 Rp54,166,667
Rp2,500,000 Rp6,666,667 Rp50,000,000
Rp2,500,000 Rp6,666,667 Rp45,833,333
Rp2,500,000 Rp6,666,667 Rp41,666,667
Rp2,500,000 Rp6,666,667 Rp37,500,000
Rp2,500,000 Rp6,666,667 Rp33,333,333
Rp2,500,000 Rp6,666,667 Rp29,166,667
Rp2,500,000 Rp6,666,667 Rp25,000,000
Rp2,500,000 Rp6,666,667 Rp20,833,333
Rp2,500,000 Rp6,666,667 Rp16,666,667
Rp2,500,000 Rp6,666,667 Rp12,500,000
Rp2,500,000 Rp6,666,667 Rp8,333,333
Rp2,500,000 Rp6,666,667 Rp4,166,667
Rp2,500,000 Rp6,666,667 Rp0