HARGA BAHAN MAKANAN/PORSI

Beras Ketan Santan Garam Daun Pandan Gula Pasir Tepung Maizena
150 ml 200 ml 8 gram 30 gram 35 gram 12 gram
Mango Sticky Rice 2,625 2,000 80 600 420 400
Durian Sticky Rice 2,625 2,000 80 600 420 400
Dragon Sticky Rice 2,625 2,000 80 600 420 400
Original Sticky Rice 2,625 2,000 80 600 420 400

Harga satuan Harga Satuan

Beras Ketan 17,500 per liter
Santan 10,000 per liter
Garam 5,000 per 500gr
Daun Pandan 4,000 per 200gr
Gula Pasir 12,000 per kg
Tepung Maizena 5,000 per 150gr
Mangga 15,000 per kg
Durian 55,000 per kg
Buah naga 25,000 per kg
Packaging 1,500 per pc
Air Mineral 36,000 per dus
 Buah Packaging Air Mineral 330ml
Jumlah
150 gram 1 pcs 1 pcs
2,250 1500 1,500 11,375
8,250 1500 1,500 17,375
3,750 1500 1,500 12,875
- 1500 1,500 9,125
ASUMSI PENDAPATAN STICKY RICE

Jumlah rata-rata penjualan perhari 25

Jumlah rata-rata penjualan perbulan 750
Pertumbuhan perbulan 5%

Penjualan B-1 B-2 B-3 B-4

Mango Sticky Rice (50%) 375 394 413 434
Durian Sticky Rice (30%) 225 236 248 260
Dragon Sticky Rice (10%) 75 79 83 87
Original Sticky Rice (10%) 75 79 83 87

Pendapatan B-1 B-2 B-3 B-4

Mango Sticky Rice (Rp. 25.000) 9,375,000 9,843,750 10,335,938 10,852,734
Durian Sticky Rice (Rp. 28.000) 6,300,000 6,615,000 6,945,750 7,293,038
Dragon Sticky Rice (Rp. 28.000) 2,100,000 2,205,000 2,315,250 2,431,013
Original Sticky Rice (Rp. 20.000) 1,500,000 1,575,000 1,653,750 1,736,438

ASUMSI BEBAN STICKY RICE

Beban Bahan Makanan B-1 B-2 B-3 B-4

Mango Sticky Rice (Rp. 25.000) 4,265,625 4,478,906 4,702,852 4,937,994
Durian Sticky Rice (Rp. 28.000) 3,909,375 4,104,844 4,310,086 4,525,590
Dragon Sticky Rice (Rp. 28.000) 965,625 1,013,906 1,064,602 1,117,832
Original Sticky Rice (Rp. 20.000) 684,375 718,594 754,523 792,250
Beban Bahan Makanan per Bulan 9,825,000 10,316,250 10,832,063 11,373,666

Beban Operasional
Beban Tidak Tetap (VARIABLE COST)
Gas
Penggantian gas setiap 1 minggu 2 Kali
Jumlah kebutuhan gas setiap pengganti 3 kg
Harga Gas 20,000 /Gas Elpiji
Total Beban Gas Elpiji perbulan 160,000 Rupiah
Bulan Makanan Gas
Bulan ke -1 9,825,000 160,000
Bulan ke -2 10,316,250 168,000
Bulan ke -3 10,832,063 176,400
Bulan ke -4 11,373,666 185,220
Bulan ke -5 11,942,349 194,481
Bulan ke -6 12,539,466 204,205
Bulan ke -7 13,166,440 214,415
Bulan ke -8 13,824,762 225,136
Bulan ke -9 14,516,000 236,393
Bulan ke -10 15,241,800 248,213
Bulan ke -11 16,003,890 260,623
Bulan ke -12 16,804,084 273,654

Beban Tetap (FIX COST)

Beban Transportasi
Konsumsi BBM 11 Liter/ km
Jarak Tempuh 40 km/hari
Pemakaian BBM 1 Hari 3.6 liter
Beban BBM 1 Hari 24,727 Rupiah
Beban BBM/bulan 741,818 Rupiah

Beban Perawatan Mobil

Penggantian Oli 5,000 km
Jarak Tempuh 40 km/hari
Siklus Penggantian Oli 125 hari
Siklus Penggantian Oli 4 Bulan Sekali
Beban Oli kap. 3,5 liter @120.000 297,500 Rupiah
Beban lain-lain 100,000 Rupiah
Beban Perawatan Mobil /bulan 174,375 Rupiah/Bulan

Beban Listrik dan Air

Beban Listrik/Hari 15,000 Rupiah
Beban Listrik/Bulan 585,000 Rupiah/Bulan

Beban Keamanan
Beban Keamanan/Hari 5,000 Rupiah
Beban Hari/Bulan 150,000 Rupiah/Bulan

Beban non-Operasional
Beban Sewa Tempat/tahun 400,000 Rupiah
Beban Sewa Tempat/Bulan 33,333 Rupiah/Bulan
 B-5 B-6 B-7 B-8 B-9 B-10 B-11
456 479 503 528 554 582 611
273 287 302 317 332 349 367
91 96 101 106 111 116 122
91 96 101 106 111 116 122

B-5 B-6 B-7 B-8 B-9 B-10 B-11

11,395,371 11,965,140 12,563,397 13,191,566 13,851,145 14,543,702 15,270,887
7,657,689 8,040,574 8,442,603 8,864,733 9,307,969 9,773,368 10,262,036
2,552,563 2,680,191 2,814,201 2,954,911 3,102,656 3,257,789 3,420,679
1,823,259 1,914,422 2,010,143 2,110,651 2,216,183 2,326,992 2,443,342

B-5 B-6 B-7 B-8 B-9 B-10 B-11

5,184,894 5,444,139 5,716,345 6,002,163 6,302,271 6,617,384 6,948,254
4,751,870 4,989,463 5,238,936 5,500,883 5,775,927 6,064,724 6,367,960
1,173,723 1,232,409 1,294,030 1,358,731 1,426,668 1,498,001 1,572,901
831,862 873,455 917,128 962,984 1,011,134 1,061,690 1,114,775
11,942,349 12,539,466 13,166,440 13,824,762 14,516,000 15,241,800 16,003,890
 B-12 T-1 Penjualan Q1
641 5969 Mango Sticky Rice (50%) 1182
385 3581 Durian Sticky Rice (30%) 709
128 1194 Dragon Sticky Rice (10%) 236
128 1194 Original Sticky Rice (10%) 236
11938

B-12 T-1 Pendapatan Q1

16,034,431 149,223,061 Mango Sticky Rice (Rp. 25.000) 29,554,688
10,775,138 100,277,897 Durian Sticky Rice (Rp. 28.000) 19,860,750
3,591,713 33,425,966 Dragon Sticky Rice (Rp. 28.000) 6,620,250
2,565,509 23,875,690 Original Sticky Rice (Rp. 20.000) 4,728,750
306,802,614

B-12 T-1
7,295,666 67,896,493
6,686,358 62,226,016
1,651,546 15,369,975
1,170,513 10,893,283
16,804,084 156,385,768
 Q2 Q3 Q4 Tahun Ke-1
1369 1584 1834 5969
821 951 1100 3581
274 317 367 1194
274 317 367 1194
11938

Q2 Q3 Q4 Tahun Ke-1
34,213,245 39,606,108 45,849,021 149,223,061
22,991,301 26,615,304 30,810,542 100,277,897
7,663,767 8,871,768 10,270,181 33,425,966
5,474,119 6,336,977 7,335,843 23,875,690
306,802,614
ASUMSI PEMBIAYAAN AWAL STICKY RICE

JUMLAH PEMBIAYAAN AWAL

Waktu Pembiayaan 3 Tahun
Investasi
Mobil Box GrandMax 1.3 Tahun 2013 70,000,000
4 Unit Set Meja Makan uk 80x 40cm @350.000 9,000,000
1 Unit Mesin Kasir 2,500,000

Alat Masak
1 Unit Kompor 2 Tungku 250,000
2 Unit Dandang 500,000
2 Unit Spatula 30,000
3 Unit Baskom Stainless 150,000
2 Unit Pisau 50,000
1 Unit Timbangan 100,000
2 Unit Tabung Gas 3kg 500,000
Food Freezer 2,000,000
Peralatan Masak Lain lain 1,000,000
Total Investasi yang dibutuhkan 86,080,000
Self Financing 15,000,000 17%
Pembiayaan 71,080,000 83%

Depresiasi Pembiayaan awal Bulan

Metoda garis lurus
Mobil Box GrandMax 1.3 Tahun 2013
Usia Mobil Box GrandMax 1.3 Tahun 2013 72 Bulan
Depresiasi Mobil Box GrandMax 1.3 Tahun 2013 972,222 Rupiah/Bulan

4 Unit Set Meja Makan uk 80x 40cm @350.000

Usia 4 Unit Set Meja Makan 36 Bulan
Depresiasi 4 Unit Set Meja Makan 250,000 Rupiah/Bulan

1 Unit Mesin Kasir

Usia 1 Unit Mesin Kasir 36 Bulan
Depresiasi 1 Unit Mesin Kasir 69,444 Rupiah/Bulan

1 Unit Kompor 2 Tungku

Usia 1 Unit Kompor 2 Tungku 36 Bulan
Depresiasi 1 Unit Kompor 2 Tungku 6,944 Rupiah/Bulan

2 Unit Dandang
Usia 2 Unit Dandang 36 Bulan
Depresiasi 2 Unit Dandang 13,889 Rupiah/Bulan
2 Unit Spatula
Usia 2 Unit Spatula 36 Bulan
Depresiasi 2 Unit Spatula 833 Rupiah/Bulan

3 Unit Baskom Stainless

Usia 3 Unit Baskom Stainless 36 Bulan
Depresiasi 3 Unit Baskom Stainless 4,167 Rupiah/Bulan

2 Unit Pisau
Usia 2 Unit Pisau 36 Bulan
Depresiasi 2 Unit Pisau 1,389 Rupiah/Bulan

1 Unit Timbangan
Usia 3 Unit Baskom Stainless 36 Bulan
Depresiasi 3 Unit Baskom Stainless 2,778 Rupiah/Bulan

Food Freezer
Usia Food Freezer 36 Bulan
DepresiasiFood Freezer 55,556 Rupiah/Bulan

Total Depresiasi Pembiayaan awal Bulan 1,377,222 Rupiah/Bulan

SIMULASI KREDIT USAHA RAKYAT BNI 2017
MANGO STICKY RICE
PLAFOND 100,000,000
J.WAKTU 36 bulan
Bunga 14% p.a.

Bulan ke- Cicilan Pokok Pengembalian Sebenarnya Bunga Bank

Bulan-0
Bulan-1 3,179,973 2,777,778 402,195
Bulan-2 3,179,973 2,777,778 402,195
Bulan-3 3,179,973 2,777,778 402,195
Bulan-4 3,179,973 2,777,778 402,195
Bulan-5 3,179,973 2,777,778 402,195
Bulan-6 3,179,973 2,777,778 402,195
Bulan-7 3,179,973 2,777,778 402,195
Bulan-8 3,179,973 2,777,778 402,195
Bulan-9 3,179,973 2,777,778 402,195
Bulan-10 3,179,973 2,777,778 402,195
Bulan-11 3,179,973 2,777,778 402,195
Bulan-12 3,179,973 2,777,778 402,195
Bulan-13 3,179,973 2,777,778 402,195
Bulan-14 3,179,973 2,777,778 402,195
Bulan-15 3,179,973 2,777,778 402,195
Bulan-16 3,179,973 2,777,778 402,195
Bulan-17 3,179,973 2,777,778 402,195
Bulan-18 3,179,973 2,777,778 402,195
Bulan-19 3,179,973 2,777,778 402,195
Bulan-20 3,179,973 2,777,778 402,195
Bulan-21 3,179,973 2,777,778 402,195
Bulan-22 3,179,973 2,777,778 402,195
Bulan-23 3,179,973 2,777,778 402,195
Bulan-24 3,179,973 2,777,778 402,195
Bulan-25 3,179,973 2,777,778 402,195
Bulan-26 3,179,973 2,777,778 402,195
Bulan-27 3,179,973 2,777,778 402,195
Bulan-28 3,179,973 2,777,778 402,195
Bulan-29 3,179,973 2,777,778 402,195
Bulan-30 3,179,973 2,777,778 402,195
Bulan-31 3,179,973 2,777,778 402,195
Bulan-32 3,179,973 2,777,778 402,195
Bulan-33 3,179,973 2,777,778 402,195
Bulan-34 3,179,973 2,777,778 402,195
Bulan-35 3,179,973 2,777,778 402,195
Bulan-36 3,179,973 2,777,778 402,195
Jumlah 114,479,028 100,000,000 14,479,028
ARUS KAS STICKY RICE

Keterangan B-0 B-1 B-2 B-3 B-4 B-5 B-6 B-7 B-8 B-9 B-10 B-11
Pendapatan Bulanan
Mango Sticky Rice (Rp. 25.000) 9,375,000 9,843,750 10,335,938 10,852,734 11,395,371 11,965,140 12,563,397 13,191,566 13,851,145 14,543,702 15,270,887
Durian Sticky Rice (Rp. 28.000) 6,300,000 6,615,000 6,945,750 7,293,038 7,657,689 8,040,574 8,442,603 8,864,733 9,307,969 9,773,368 10,262,036
Dragon Sticky Rice (Rp. 28.000) 2,100,000 2,205,000 2,315,250 2,431,013 2,552,563 2,680,191 2,814,201 2,954,911 3,102,656 3,257,789 3,420,679
Original Sticky Rice (Rp. 20.000) 1,500,000 1,575,000 1,653,750 1,736,438 1,823,259 1,914,422 2,010,143 2,110,651 2,216,183 2,326,992 2,443,342
Total Pendapatan Bulanan 19,275,000 20,238,750 21,250,688 22,313,222 23,428,883 24,600,327 25,830,343 27,121,861 28,477,954 29,901,851 31,396,944
Pengeluaran
Beban Operasional
Beban Gas 160,000 160,000 160,000 160,000 160,000 160,000 160,000 160,000 160,000 160,000 160,000
Beban Bahan Makanan 9,825,000 10,316,250 10,832,063 11,373,666 11,942,349 12,539,466 13,166,440 13,824,762 14,516,000 15,241,800 16,003,890
Beban Bensin 741,818 741,818 741,818 741,818 741,818 741,818 741,818 741,818 741,818 741,818 741,818
Beban Perawatan Mobil 174,375 174,375 174,375 174,375 174,375 174,375 174,375 174,375 174,375 174,375 174,375
Beban Listrik dan Air 585,000 585,000 585,000 585,000 585,000 585,000 585,000 585,000 585,000 585,000 585,000
Beban Keamanan 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000 150,000
Beban Depresiasi Pembiayaan Awal 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222
Total Beban Operasional 11,636,193 13,504,665 14,020,478 14,562,081 15,130,764 15,727,882 16,354,855 17,013,177 17,704,415 18,430,215 19,192,305
Beban Non Operasional
Sewa Tempat 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333
Lain-lain
Total Beban Non Operasional - 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333 33,333
Arus Kas dari Operasi - 7,605,473 6,700,751 7,196,876 7,717,808 8,264,785 8,839,112 9,442,155 10,075,350 10,740,205 11,438,303 12,171,305

Investasi
Total Investasi (86,080,000)
Arus Kas Investasi (86,080,000)
Pemniayaan
Self Financing 15,000,000
Pembiayaan 100,000,000
Administrasi (0,5%) (500,000)
Cicilan (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973)
Arus Kas Pembiayaan 114,500,000 (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973) (3,179,973)

Arus Kas Bersih 28,420,000 4,425,500 3,520,778 4,016,903 4,537,835 5,084,812 5,659,139 6,262,182 6,895,377 7,560,232 8,258,330 8,991,332

Saldo Awal Kas - 28,420,000 32,845,500 36,366,279 40,383,182 44,921,017 50,005,829 55,664,968 61,927,150 68,822,527 76,382,759 84,641,089

Saldo Akhir Kas 28,420,000 32,845,500 36,366,279 40,383,182 44,921,017 50,005,829 55,664,968 61,927,150 68,822,527 76,382,759 84,641,089 93,632,422
 B-12 T-1

16,034,431 149,223,061
10,775,138 100,277,897
3,591,713 33,425,966
2,565,509 23,875,690
32,966,791 306,802,614

160,000 1,920,000
16,804,084 156,385,768
741,818 8,901,818
174,375 2,092,500
585,000 7,020,000
150,000 1,800,000
1,377,222 16,526,667
19,992,500 193,269,531 (R12:R17)
-
33,333 400,000
-
33,333 400,000
12,940,958 113,133,083

(3,179,973) (38,159,676)
(3,179,973) (38,159,676)

9,760,985 74,973,407

93,632,422 28,420,000

103,393,407 103,393,407
LAPORAN LABA RUGI STICKY RICE

Keterangan B-1 B-2 B-3 B-4

Pendapatan Bulanan
Mango Sticky Rice (Rp. 25.000) 9,375,000 9,843,750 10,335,938 10,852,734
Durian Sticky Rice (Rp. 28.000) 6,300,000 6,615,000 6,945,750 7,293,038
Dragon Sticky Rice (Rp. 28.000) 2,100,000 2,205,000 2,315,250 2,431,013
Original Sticky Rice (Rp. 20.000) 1,500,000 1,575,000 1,653,750 1,736,438
Total Pendapatan 19,275,000 20,238,750 21,250,688 22,313,222
Pengeluaran
Beban Operasional
Beban Gas 160,000 168,000 176,400 185,220
Beban Bahan Makanan 9,825,000 10,316,250 10,832,063 11,373,666
Beban Bensin 741,818 741,818 741,818 741,818
Beban Perawatan Mobil 174,375 174,375 174,375 174,375
Beban Listrik dan Air 585,000 585,000 585,000 585,000
Beban Keamanan 150,000 150,000 150,000 150,000
Beban Depresiasi Pembiayaan Awal 1,377,222 1,377,222 1,377,222 1,377,222
Laba Operasional 11,636,193 12,135,443 12,659,656 13,210,079
Biaya Non Operasional
Sewa Tempat 33,333 33,333 33,333 33,333
Lain-lain - - - -
Biaya Non Operasional 33,333 33,333 33,333 33,333

Laba Usaha 7,605,473 8,069,973 8,557,698 9,069,810

 B-5 B-6 B-7 B-8 B-9 B-10

11,395,371 11,965,140 12,563,397 13,191,566 13,851,145 14,543,702

7,657,689 8,040,574 8,442,603 8,864,733 9,307,969 9,773,368
2,552,563 2,680,191 2,814,201 2,954,911 3,102,656 3,257,789
1,823,259 1,914,422 2,010,143 2,110,651 2,216,183 2,326,992
23,428,883 24,600,327 25,830,343 27,121,861 28,477,954 29,901,851

194,481 204,205 214,415 225,136 236,393 248,213

11,942,349 12,539,466 13,166,440 13,824,762 14,516,000 15,241,800
741,818 741,818 741,818 741,818 741,818 741,818
174,375 174,375 174,375 174,375 174,375 174,375
585,000 585,000 585,000 585,000 585,000 585,000
150,000 150,000 150,000 150,000 150,000 150,000
1,377,222 1,377,222 1,377,222 1,377,222 1,377,222 1,377,222
13,788,023 14,394,865 15,032,048 15,701,091 16,403,586 17,141,205

33,333 33,333 33,333 33,333 33,333 33,333

- - - - - -
33,333 33,333 33,333 33,333 33,333 33,333

9,607,527 10,172,129 10,764,962 11,387,436 12,041,035 12,727,313

 B-11 B-12 T-1 Keterangan
Pendapatan Bulanan
15,270,887 16,034,431 149,223,061 Mango Sticky Rice (Rp. 25.000)
10,262,036 10,775,138 100,277,897 Durian Sticky Rice (Rp. 28.000)
3,420,679 3,591,713 33,425,966 Dragon Sticky Rice (Rp. 28.000)
2,443,342 2,565,509 23,875,690 Original Sticky Rice (Rp. 20.000)
31,396,944 32,966,791 306,802,614 Total Pendapatan
Pengeluaran
- Beban Operasional
260,623 273,654 2,546,740 Beban Gas
16,003,890 16,804,084 156,385,768 Beban Bahan Makanan
741,818 741,818 8,901,818 Beban Bensin
174,375 174,375 2,092,500 Beban Perawatan Mobil
585,000 585,000 7,020,000 Beban Listrik dan Air
150,000 150,000 1,800,000 Beban Keamanan
1,377,222 1,377,222 16,526,667 Beban Depresiasi Pembiayaan Awal
17,915,706 18,728,932 178,746,826 Laba Operasional
Biaya Non Operasional
33,333 33,333 400,000 Sewa Tempat
- - - Lain-lain
33,333 33,333 400,000 Biaya Non Operasional

13,447,905 14,204,526 127,655,787 Laba Usaha

Rata - rata Laba #REF!

 Q1 Q2 Q3 Q4 Tahun Ke-1

29,554,688 34,213,245 39,606,108 45,849,021 149,223,061

19,860,750 22,991,301 26,615,304 30,810,542 100,277,897
6,620,250 7,663,767 8,871,768 10,270,181 33,425,966
4,728,750 5,474,119 6,336,977 7,335,843 23,875,690
60,764,438 70,342,432 81,430,158 94,265,586 306,802,614
- - - - -
- - - - -
504,400 583,906 675,944 782,490 2,546,740
30,973,313 35,855,481 41,507,201 48,049,774 156,385,768
2,225,455 2,225,455 2,225,455 2,225,455 8,901,818
523,125 523,125 523,125 523,125 2,092,500
1,755,000 1,755,000 1,755,000 1,755,000 7,020,000
450,000 450,000 450,000 450,000 1,800,000
4,131,667 4,131,667 4,131,667 4,131,667 16,526,667
36,431,292 41,392,966 47,136,725 53,785,843 178,746,826
- - - - -
100,000 100,000 100,000 100,000 400,000
- - - - -
100,000 100,000 100,000 100,000 400,000
- - - - -
24,233,145 28,849,465 34,193,433 40,379,743 127,655,787
Break Event Point
Biaya Tetap
Beban Bensin 741,818 /Bulan
Beban Perawatan Mobil 174,375 /Bulan
Beban Listrik dan Air 585,000 /Bulan
Beban Keamanan 150,000 /Bulan
Beban Depresiasi Pembiayaan Awal 1,377,222 /Bulan
Jumlah Biaya Tetap (FIX COST) 3,028,415 /Bulan

Harga Jual/Porsi
Mango Sticky Rice 25,000 /Porsi
Durian Sticky Rice 28,000 /Porsi
Dragon Sticky Rice 28,000 /Porsi
Original Sticky Rice 20,000 /Porsi

Investasi Awal 86,080,000

Rata-rata Laba perbulan ditahun ke-1 10,637,982
Uang Kembali 8 Bulan
 Biaya Tidak Tetap
keterangan Gas Bahan Makanan Jumlah Biaya Variable
Mango Sticky Rice (Rp. 25.000) 213 11,375 Rp 11,588 /porsi
Durian Sticky Rice (Rp. 28.000) 213 17,375 Rp 17,588 /porsi
Dragon Sticky Rice (Rp. 28.000) 213 12,875 Rp 13,088 /porsi
Original Sticky Rice (Rp. 20.000) 213 9,125 Rp 9,338 /porsi

BEP
Mango Sticky Rice 226 Porsi/bulan 9 Porsi/hari
Durian Sticky Rice 291 Porsi/bulan 12 Porsi/hari
Dragon Sticky Rice 203 Porsi/bulan 8 Porsi/hari
Original Sticky Rice 284 Porsi/bulan 11 Porsi/hari