Asumsi Pendapatan Hasil Penjualan Andesit (Rp)

TAHUN
URAIAN TOTAL
1 2 3 4 5
Penjualan (Ton) 66,864 66,864 66,864 66,864 66,864 334,320
Harga Jual (Rp/Ton) 60,000 65,911 69,081 72,404 75,887 343,282
TOTAL 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314 5,074,078,819 22,953,236,442
 Biaya Proyek
TAHUN
URAIAN
0 1 2 3 4
BIAYA INVESTASI
Modal Tetap 1,228,350,000
Modal Kerja 900,000,000
TOTAL BIAYA INVESTASI 2,128,350,000
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan 5,139,754 7,528,120 7,890,222 8,269,742
Biaya Reklamasi 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang 28,038,641
Biaya Tak Terduga 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap
Biaya Gaji 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL BIAYA OPERASI 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
TOTAL BIAYA PROYEK 2,128,350,000 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746

Pendapatan Sebelum Pajak

TAHUN
URAIAN
1 2 3 4 5
Pendapatan
Penjualan (Ton) 66,864 66,864 66,864 66,864 66,864
Harga Jual (Rp/Ton) 60,000 65,911 69,081 72,404 75,887
Pendapatan Hasil Penjualan 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314 5,074,078,819
Pengeluaran
Biaya Investasi 2,128,350,000
Biaya Operasi 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
 5

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738

444,000,000
1,375,000,000
40,000,000
2,717,756,122
2,717,756,122
Total Pengeluaran 5,177,760,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
Pendapatan Sebelum Pajak - 1,165,920,637 1,870,481,668 831,974,904 2,197,908,568 2,356,322,697
Sesuai dengan Pasal 17 ayat 1, Undang-Undang No. 36 Estimasi Pajak
tahun 2008, tarif pajak penghasilan pribadi
perhitungannya dengan menggunakan tarif progresif TAHUN
URAIAN
sebagai berikut: 1 2
Penghasilan Netto Kena Pajak Tarif Pajak Penghasilan Kena Pajak - 1,165,920,637 1,870,481,668
Sampai dengan 50 juta 5% Penjualan (Ton) 66,864 66,864
50 juta sampai dengan 250 juta 15% Pajak Daerah 125,370,000 125,370,000
250 juta sampai dengan 500 juta 25% Pajak Penghasilan (PPh) - 561,144,500
Diatas 500 juta 30% Total Pajak 125,370,000 686,514,500
Estimasi Pajak
TAHUN
TOTAL
3 4 5
831,974,904 2,197,908,568 2,356,322,697 6,090,767,200
66,864 66,864 66,864 334,320
125,370,000 125,370,000 125,370,000 626,850,000 1,875
249,592,471 659,372,571 706,896,809 2,177,006,351
374,962,471 784,742,571 832,266,809 2,803,856,351
 Asumsi Laba Rugi
TAHUN
URAIAN
1 2 3 4 5
PENDAPATAN
Penjualan (Ton) 66,864 66,864 66,864 66,864 66,864
Harga Jual (Rp/Ton) 60,000 65,911 69,081 72,404 75,887
PENDAPATAN HASIL PENJUALAN 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314 5,074,078,819
Pengeluaran
Biaya Investasi 2,128,350,000
Biaya Operasi 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
TOTAL PENGELUARAN 5,177,760,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
PENDAPATAN SEBELUM PAJAK - 1,165,920,637 1,870,481,668 831,974,904 2,197,908,568 2,356,322,697
PAJAK
Pajak Daerah 125,370,000 125,370,000 125,370,000 125,370,000 125,370,000
Pajak Penghasilan (PPh) - 561,144,500 249,592,471 659,372,571 706,896,809
TOTAL PAJAK 125,370,000 686,514,500 374,962,471 784,742,571 832,266,809
LABA BERSIH - 1,291,290,637 1,183,967,168 457,012,433 1,413,165,998 1,524,055,888

HARGA POKOK PENJUALAN (HPP)

TAHUN
URAIAN
1 2 3 4 5
PENJUALAN
Penjualan (Ton) 66,864 66,864 66,864 66,864 66,864
Pengeluaran
Biaya Investasi 2,128,350,000
Biaya Operasi 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
TOTAL PENGELUARAN 5,177,760,637 2,536,579,173 3,787,065,563 2,643,307,746 2,717,756,122
HPP 77,437 37,936 56,638 39,533 40,646
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 66,864 66,864 66,864 66,864
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM - 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan - 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,139,754 7,528,120 7,890,222 8,269,742
2 Biaya Reklamasi - 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang - - - - 28,038,641
Biaya Tak Terduga - 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap - - - - -
Biaya Gaji - 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi - 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi - 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL PENGELUARAN - 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,228,350,000
4
Modal Kerja 900,000,000
TOTAL INVESTASI 2,128,350,000
5 NET CASHFLOW - 2,128,350,000 837,059,363 1,183,967,168 457,012,433 1,413,165,998
6 CUMULATIVE CASHFLOW - 2,128,350,000 - 1,291,290,637 - 107,323,469 349,688,964 1,762,854,962

IRR 11% 11%

Discount Rate 15%
NPV 1,360,977,453 1,360,977,453
PBP 3.23 Tahun 3.23
Inflasi 4.81%
 5

66,864
75,887
5,074,078,819

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738
-
444,000,000
1,375,000,000
40,000,000
2,717,756,122

125,370,000
706,896,809
832,266,809

1,524,055,888
3,286,910,849

IRR

NPV
Tahun
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 65,527 65,527 65,527 65,527
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 3,931,603,200 4,318,919,624 4,526,659,658 4,744,391,988
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM - 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan - 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,139,754 7,528,120 7,890,222 8,269,742
2 Biaya Reklamasi - 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang - - - - 28,038,641
Biaya Tak Terduga - 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap - - - - -
Biaya Gaji - 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi - 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi - 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL PENGELUARAN - 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,228,350,000
4
Modal Kerja 900,000,000
TOTAL INVESTASI 2,128,350,000
5 NET CASHFLOW - 2,128,350,000 756,822,563 1,095,825,951 364,631,624 1,316,341,672
6 CUMULATIVE CASHFLOW - 2,128,350,000 - 1,371,527,437 - 275,701,486 88,930,137 1,405,271,809

IRR 3%
Discount Rate 15%
NPV 1,058,003,116
PBP 3.76 Tahun
Inflasi 4.81%
 5

65,527
75,887
4,972,597,242

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738
-
444,000,000
1,375,000,000
40,000,000
2,717,756,122

125,370,000
706,896,809
832,266,809

1,422,574,311
2,827,846,120
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 64,858 64,858 64,858 64,858
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 3,891,484,800 4,274,849,016 4,480,469,254 4,695,979,825
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM - 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan - 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,139,754 7,528,120 7,890,222 8,269,742
2 Biaya Reklamasi - 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang - - - - 28,038,641
Biaya Tak Terduga - 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap - - - - -
Biaya Gaji - 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi - 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi - 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL PENGELUARAN - 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,228,350,000
4
Modal Kerja 900,000,000
TOTAL INVESTASI 2,128,350,000
5 NET CASHFLOW - 2,128,350,000 716,704,163 1,051,755,343 318,441,219 1,267,929,508
6 CUMULATIVE CASHFLOW - 2,128,350,000 - 1,411,645,837 - 359,890,495 - 41,449,276 1,226,480,233

IRR -1%
Discount Rate 15%
NPV 906,515,948
PBP 4.03 Tahun
Inflasi 4.81%
 5

64,858
75,887
4,921,856,454

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738
-
444,000,000
1,375,000,000
40,000,000
2,717,756,122

125,370,000
706,896,809
832,266,809

1,371,833,523
2,598,313,756
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 66,864 66,864 66,864 66,864
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,415,525,217 448,784,693 1,595,677,499 492,996,093
Biaya PPM - 57,375,000 84,036,291 88,078,437 92,315,010
Biaya Keselamatan Pertambangan - 84,341,250 80,954,960 84,848,894 88,930,126
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,242,549 7,678,682 8,048,027 8,435,137
2 Biaya Reklamasi - 8,593,533 6,846,060 11,189,757 15,991,403
Biaya Pascatambang - - - - 28,599,414
Biaya Tak Terduga - 117,186,301 62,830,069 178,784,261 72,726,718
Biaya Tetap - - - - -
Biaya Gaji - 339,660,000 452,880,000 452,880,000 452,880,000
Depresiasi - 1,051,875,000 1,402,500,000 1,402,500,000 1,402,500,000
Amortisasi - 30,600,000 40,800,000 40,800,000 40,800,000
TOTAL PENGELUARAN - 3,110,398,850 2,587,310,756 3,862,806,875 2,696,173,901
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,228,350,000
4
Modal Kerja 900,000,000
TOTAL INVESTASI 2,128,350,000
5 NET CASHFLOW - 2,128,350,000 776,071,150 1,133,235,584 381,271,122 1,360,299,843
6 CUMULATIVE CASHFLOW - 2,128,350,000 - 1,352,278,850 - 219,043,266 162,227,856 1,522,527,699

IRR 6%
Discount Rate 15%
NPV 1,162,532,219
PBP 3.57 Tahun
Inflasi 4.81%
 5

66,864
75,887
5,074,078,819

516,709,206
96,755,362
93,207,665
8,840,867
50,812,987
29,975,045
79,630,113
-
452,880,000
1,402,500,000
40,800,000
2,772,111,245

125,370,000
706,896,809
832,266,809

1,469,700,765
2,992,228,464
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 66,864 66,864 66,864 66,864
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,429,402,915 453,184,543 1,611,321,396 497,829,388
Biaya PPM - 57,937,500 84,860,176 88,941,951 93,220,059
Biaya Keselamatan Pertambangan - 85,168,125 81,748,637 85,680,746 89,801,990
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,293,947 7,753,963 8,126,929 8,517,834
2 Biaya Reklamasi - 8,677,783 6,913,179 11,299,461 16,148,181
Biaya Pascatambang - - - - 28,879,800
Biaya Tak Terduga - 118,335,187 63,446,050 180,537,048 73,439,725
Biaya Tetap - - - - -
Biaya Gaji - 342,990,000 457,320,000 457,320,000 457,320,000
Depresiasi - 1,062,187,500 1,416,250,000 1,416,250,000 1,416,250,000
Amortisasi - 30,900,000 41,200,000 41,200,000 41,200,000
TOTAL PENGELUARAN - 3,140,892,956 2,612,676,548 3,900,677,530 2,722,606,978
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,228,350,000
4
Modal Kerja 900,000,000
TOTAL INVESTASI 2,128,350,000
5 NET CASHFLOW - 2,128,350,000 745,577,044 1,107,869,793 343,400,466 1,333,866,766
6 CUMULATIVE CASHFLOW - 2,128,350,000 - 1,382,772,956 - 274,903,164 68,497,302 1,402,364,068

IRR 3%
Discount Rate 15%
NPV 1,063,309,602
PBP 3.80 Tahun
Inflasi 4.81%
 5

66,864
75,887
5,074,078,819

521,774,982
97,703,944
94,121,466
8,927,542
51,311,154
30,268,918
80,410,801
-
457,320,000
1,416,250,000
41,200,000
2,799,288,806

125,370,000
706,896,809
832,266,809

1,442,523,204
2,844,887,272
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 66,864 66,864 66,864 66,864
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM - 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan - 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,139,754 7,528,120 7,890,222 8,269,742
2 Biaya Reklamasi - 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang - - - - 28,038,641
Biaya Tak Terduga - 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap - - - - -
Biaya Gaji - 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi - 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi - 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL PENGELUARAN - 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,252,917,000
4
Modal Kerja 918,000,000
TOTAL INVESTASI 2,170,917,000
5 NET CASHFLOW - 2,170,917,000 837,059,363 1,183,967,168 457,012,433 1,413,165,998
6 CUMULATIVE CASHFLOW - 2,170,917,000 - 1,333,857,637 - 149,890,469 307,121,964 1,720,287,962

IRR 9%
Discount Rate 15%
NPV 1,318,410,453
PBP 3.33 Tahun
Inflasi 4.81%
 5

66,864
75,887
5,074,078,819

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738
-
444,000,000
1,375,000,000
40,000,000
2,717,756,122

125,370,000
706,896,809
832,266,809

1,524,055,888
3,244,343,849
 ARUS KAS PENAMBANGAN
TAHUN
No DESKRIPSI
0 1 2 3 4
PENDAPATAN
Penjualan (Ton) - 66,864 66,864 66,864 66,864
1
Harga Jual (Rp/Ton) - 60,000 65,911 69,081 72,404
PENDAPATAN HASIL PENJUALAN - 4,011,840,000 4,407,060,841 4,619,040,468 4,841,216,314
PENGELUARAN
BIAYA OPERASI
Biaya Variabel
Biaya Penambangan - 1,387,769,820 439,984,993 1,564,389,705 483,329,503
Biaya PPM - 56,250,000 82,388,521 86,351,409 90,504,911
Biaya Keselamatan Pertambangan - 82,687,500 79,367,608 83,185,190 87,186,398
Biaya Pengelolaan dan Pemantauan Lingkungan - 5,139,754 7,528,120 7,890,222 8,269,742
2 Biaya Reklamasi - 8,425,032 6,711,824 10,970,350 15,677,846
Biaya Pascatambang - - - - 28,038,641
Biaya Tak Terduga - 114,888,531 61,598,107 175,278,688 71,300,704
Biaya Tetap - - - - -
Biaya Gaji - 333,000,000 444,000,000 444,000,000 444,000,000
Depresiasi - 1,031,250,000 1,375,000,000 1,375,000,000 1,375,000,000
Amortisasi - 30,000,000 40,000,000 40,000,000 40,000,000
TOTAL PENGELUARAN - 3,049,410,637 2,536,579,173 3,787,065,563 2,643,307,746
PAJAK
Pajak Daerah - 125,370,000 125,370,000 125,370,000 125,370,000
3
Pajak PPh 21 - - 561,144,500 249,592,471 659,372,571
TOTAL PAJAK - 125,370,000 686,514,500 374,962,471 784,742,571
INVESTASI
Modal Tetap 1,265,200,500
4
Modal Kerja 927,000,000
TOTAL INVESTASI 2,192,200,500
5 NET CASHFLOW - 2,192,200,500 837,059,363 1,183,967,168 457,012,433 1,413,165,998
6 CUMULATIVE CASHFLOW - 2,192,200,500 - 1,355,141,137 - 171,173,969 285,838,464 1,699,004,462

IRR 9%
Discount Rate 15%
NPV 1,297,126,953
PBP 3.37 Tahun
Inflasi 4.81%
 5

66,864
75,887
5,074,078,819

506,577,652
94,858,198
91,380,064
8,667,517
49,816,654
29,387,299
78,068,738
-
444,000,000
1,375,000,000
40,000,000
2,717,756,122

125,370,000
706,896,809
832,266,809

1,524,055,888
3,223,060,349
 NPV IRR PBP
Kondisi Awal
1,360,977,453 11% 3.23 Tahun

Tingkat Produksi NPV IRR PBP

2% 1,058,003,116 3% 3.76 Tahun
Turun
3% 906,515,948 -1% 4.03 Tahun

Pengeluaran NPV IRR PBP

2% 1,162,532,219 6% 3.57 Tahun
Naik
3% 1,063,309,602 3% 3.80 Tahun

Investasi NPV IRR PBP

2% 1,318,410,453 9% 3.33 Tahun
Naik
3% 1,297,126,953 9% 3.37 Tahun