Direktur Utama Lucy Herlima

Nama Usaha PT. SINAR JAYA ABADI

NERACA Per 31 Januari 2023

Lampiran 1
Kondisi Proyeksi Naik / Turun
URAIAN
Seb. Kredit Set. Kredit Nominal %

1. Aktiva Lancar
a. Kas dan bank (Bulldozer) 5,560,088,035 4,673,588,035 (886,500,000) -15.94%
b. Kas & bank (dana termijn proyek) 0 0 0 #DIV/0!
c. Piutang 7,075,085,700 7,428,839,985 353,754,285 5.00%
d. Piutang Pada Pemegang Saham 0 0 0 #DIV/0!
e. Piutang 0 0 0 #DIV/0!
f. Persediaan Onderdil, minyak, oli, dll 1,023,567,800 1,074,746,190 51,178,390 5.00%
g. Sewa Dibayar Dimuka 0 0 0 #DIV/0!
Total Aktiva Lancar 13,658,741,535 13,177,174,210 (481,567,325) -3.53%

2. Aktiva Tetap
a. Bulldozer 2,386,500,000 4,773,000,000 2,386,500,000 100.00%
b. Kendaraan 35,020,432,431 35,020,432,431 0 0.00%
c. Mesin-mesin 0 0 0 #DIV/0!
d. Peralatan 0 0 0 #DIV/0!
e. Inventaris 53,000,000 53,000,000 0 0.00%
f. Akumulasi Penyusutan Aktiva Tetap (202,441,329) (389,132,658) (186,691,329) 92.22%

3 Aktiva Lainnya 0 0 0 #DIV/0!

Total Aktiva Tetap 37,257,491,102 39,457,299,773 2,199,808,671 5.90%

Total Aktiva 50,916,232,637 52,634,473,983 1,718,241,346 3.37%

3. Hutang Lancar
a. Hutang Usaha 7,525,812,565 7,525,812,565 0 0.00%
b. Hutang Piha 0 0 0 #DIV/0!
c. Hutang BRI 0 0 0 #DIV/0!
d. Hutang Pajak 0 0 0 #DIV/0!
Total Hutang Lancar 7,525,812,565 7,525,812,565 0 0.00%

4. Hutang Jangka Panjang

a. Mestika Dharma 1,076,313,555 1,039,157,999 (37,155,556) -3.45%
b Mestika Dharma 1,859,723,439 1,799,290,106 (60,433,333) -3.25%
c Mestika Dharma 1,701,000,000 1,653,750,000 (47,250,000) -2.78%
d Mestika Dharma 1,205,247,677 1,170,097,677 (35,150,000) -2.92%
e Mestika Dharma 1,144,012,797 1,108,862,797 (35,150,000) -3.07%
f KI MG 0 1,500,000,000 1,500,000,000 #DIV/0!
g Candra Sakti Utama Lising 1,688,466,967 1,630,997,467 (57,469,500) -3.40%
h MANDIRI 0 0 0 #DIV/0!
Total Hutang Jangka Panjang 8,674,764,435 9,902,156,046 1,227,391,611 14.15%
Total Hutang 16,200,577,000 17,427,968,611 1,227,391,611 7.58%
5. M o d a l
a. Modal Disetor dan Ditempatkan 5,000,000,000 5,000,000,000 0 0.00%
b. Laba Ditahan 29,079,905,984 29,469,768,546 389,862,562 1.34%
c. Laba Proyek Priode Berjalan 0 0 0 #DIV/0!
d. Laba Sewa Alat Berat Berjalan 635,749,653 736,736,826 100,987,173 15.88%
Total Modal 34,715,655,637 35,206,505,372 490,849,735 1.41%

Total Pasiva 50,916,232,637 52,634,473,983 1,718,241,346 3.37%

Direktur Utama Lucy Herlima
Nama Usaha PT. SINAR JAYA ABADI
Rugi/Laba Periode Agustus 2022 sd Januari 2023 1.00 3.000
Alat Berat
28 27 27 28 29 28
Agus Sept Okt Nov Des Jan Proyeksi
URAIAN
2022 2022 2022 2022 2022 2023 Set. Kredit

Pendapatan Sewa Alat Berat 1,209,600,000 1,192,320,000 1,166,400,000 1,249,920,000 1,252,800,000 1,223,040,000 1,385,440,000
Harga Pokok Penjualan 0 0 0 0 0 0 0
Laba Kotor 1,209,600,000 1,192,320,000 1,166,400,000 1,249,920,000 1,252,800,000 1,223,040,000 1,385,440,000
Pendapatan lainnya 0 0 0 0 0 0 0
Laba Setelah Pendapatan Lain 1,209,600,000 1,192,320,000 1,166,400,000 1,249,920,000 1,252,800,000 1,223,040,000 1,385,440,000

Biaya Operasional :
a. Gaji Operator 26,880,000 25,920,000 25,920,000 26,880,000 27,840,000 26,880,000 30,800,000
b. Gaji Pembantu Operator 18,000,000 18,000,000 18,000,000 18,000,000 18,000,000 18,000,000 19,500,000
c. Gaji Pengurus 48,000,000 48,000,000 48,000,000 48,000,000 48,000,000 48,000,000 52,000,000
d. Biaya Bahan Bakar 102,835,200 109,262,400 102,835,200 102,835,200 96,408,000 102,835,200 111,404,800
e. Listrik, Air dan Telepon 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000 2,200,000
f. Perawatan Bulldozer 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,500,000
g. Biaya Mobilisasi Alat 32,400,000 32,400,000 32,400,000 32,400,000 32,400,000 32,400,000 35,100,000
h. Biaya Umum dan adm kantor 250,000 250,000 250,000 250,000 250,000 250,000 250,000
i. Biaya Lain-lain 130,000 130,000 130,000 130,000 130,000 130,000 130,000
Total Biaya Operasional 236,495,200 241,962,400 235,535,200 236,495,200 231,028,000 236,495,200 257,884,800
Laba Operasional 973,104,800 950,357,600 930,864,800 1,013,424,800 1,021,772,000 986,544,800 1,127,555,200
Penyusutan 175,941,329 175,941,329 175,941,329 175,941,329 175,941,329 175,941,329 186,691,329
Laba Seb. Bunga dan Pajak 797,163,471 774,416,271 754,923,471 837,483,471 845,830,671 810,603,471 940,863,871
Bunga bank 96,278,018 96,278,018 96,278,018 96,278,018 96,278,018 96,278,018 113,069,685
Laba Sebelum Pajak 700,885,453 678,138,253 658,645,453 741,205,453 749,552,653 714,325,453 827,794,187
Pajak 77,097,400 74,595,208 72,451,000 81,532,600 82,450,792 78,575,800 91,057,361
Laba Bersih 623,788,053 603,543,045 586,194,453 659,672,853 667,101,861 635,749,653 736,736,826

51.57% 50.62% 50.26% 52.78% 53.25% 51.98% 53.18%

PT. SINAR JAYA ABADI
Cash Flow

Agus Sept Okt Nov Des Jan Proyeksi

URAIAN
2022 2022 2022 2022 2022 2023 Set. Kredit

Kas Masuk dari Penjualan 1,209,600,000 1,192,320,000 1,166,400,000 1,249,920,000 1,252,800,000 1,223,040,000 1,385,440,000
Kas Masuk dari pendapatan lain-lain 0 0 0 0 0 0 0
Kas Keluar :
a. Harga Pokok Penjualan - - - - - - -
b. Biaya Operasional 236,495,200 241,962,400 235,535,200 236,495,200 231,028,000 236,495,200 257,884,800
c. P a j a k 77,097,400 74,595,208 72,451,000 81,532,600 82,450,792 78,575,800 91,057,361

Total Kas Keluar 313,592,600 316,557,608 307,986,200 318,027,800 313,478,792 315,071,000 348,942,161

Saldo Kas seb. Kewajiban Kpd Bank 896,007,400 875,762,392 858,413,800 931,892,200 939,321,208 907,969,000 1,036,497,839

Kewajiban Bank 368,886,407 368,886,407 368,886,407 368,886,407 368,886,407 368,886,407 448,178,074

a. Pokok 272,608,389 272,608,389 272,608,389 272,608,389 272,608,389 272,608,389 335,108,389
b. Bunga 96,278,018 96,278,018 96,278,018 96,278,018 96,278,018 96,278,018 113,069,685

Kas Surplus 527,120,993 506,875,985 489,527,393 563,005,793 570,434,801 539,082,593 588,319,766

 3.000

Lampiran 2
Naik / Turun
Nominal %

162,400,000 13.28%
0 #DIV/0!
162,400,000 13.28%
0 #DIV/0!
162,400,000 13.28%

3,920,000 14.58%
1,500,000 8.33%
4,000,000 8.33%
8,569,600 8.33%
200,000 10.00%
500,000 8.33%
2,700,000 8.33%
0 0.00%
0 0.00%
21,389,600 9.04%
141,010,400 14.29%
10,750,000 6.11%
130,260,400 16.07%
16,791,667 17.44%
113,468,733 15.88%
12,481,561 15.88%
100,987,173 15.88%

Naik / Turun
Nominal %

162,400,000 13%
0 #DIV/0!

- #DIV/0!
21,389,600 9%
12,481,561 16%

33,871,161 11%

128,528,839 14%

79,291,667 21%
62,500,000 23%
16,791,667 17%

49,237,173 9%
Direktur Utama Lucy Herlima
Nama Usaha PT. SINAR JAYA ABADI
Rugi/Laba Periode Agustus 2022 sd Januari 2023

Lampiran 3
Kondisi
URAIAN
sd Des 2021

Penerimaan bersih dari proyek 0

0
Laba Kotor 0
Pendapatan lainnya 0
Laba Setelah Pendapatan Lain 0

Biaya Operasional :
a. Biaya bahan 0
b. Biaya upah dan honor personil lapangan 0
c. Biaya peralatan dan transportasi 0
d. Biaya administrasi dan operasional proyek 0

Biaya Adm dan Umum

a. Biaya Gaji karyawan 0
b. Biaya Gaji Pengurus 0
c. Biaya pemeliharaan dan transportasi 0
d. Biaya listrik, air, telepon 0
e. Biaya Lainnya 0
Total Biaya Operasional 0
Laba Operasional 0
Penyusutan 0
Laba Seb. Bunga dan Pajak 0
Bunga bank 0
Laba Sebelum Pajak 0
Pajak 0
Laba Bersih 0

#DIV/0!
Direktur Utama Lucy Herlima
Nama Usaha PT. SINAR JAYA ABADI
Rugi/Laba Periode Agustus 2022 sd Januari 2023
Gabungan
Lampiran 4
Jumlah Jumlah
URAIAN
Agus 2022 sd Jan 2023 Rata-rata per bln
Usaha Sewa Bulldozer
Pendapatan Sewa Alat Berat 7,294,080,000 1,215,680,000
Harga Pokok Penjualan - -
Laba Kotor 7,294,080,000 1,215,680,000
Pendapatan lainnya - -
Laba Setelah Pendapatan Lain 7,294,080,000 1,215,680,000
Biaya Operasional :
a. Gaji Operator 160,320,000 26,720,000
b. Gaji Pembantu Operator 108,000,000 18,000,000
c. Gaji Pengurus 288,000,000 48,000,000
d. Biaya Bahan Bakar 617,011,200 102,835,200
e. Listrik, Air dan Telepon 12,000,000 2,000,000
f. Perawatan Bulldozer 36,000,000 6,000,000
g. Biaya Mobilisasi Alat 194,400,000 32,400,000
h. Biaya Umum dan adm kantor 1,500,000 250,000
i. Biaya Lain-lain 780,000 130,000
Total Biaya Operasional 1,418,011,200 236,335,200
Laba Operasional 5,876,068,800 979,344,800
Penyusutan 1,055,647,973 175,941,329
Laba Seb. Bunga dan Pajak 4,820,420,827 803,403,471
Bunga bank 577,668,108 96,278,018
Laba Sebelum Pajak 4,242,752,719 707,125,453
Pajak 472,697,227 78,782,871
Laba Bersih 3,770,055,492 628,342,582

Usaha Kontraktor
Penerimaan bersih dari proyek 0 0
0 0
Laba Kotor 0 0
Pendapatan lainnya 0 0
Laba Setelah Pendapatan Lain 0 0

Biaya Operasional :
a. Biaya bahan 0 0
b. Biaya upah dan honor personil lapangan 0 0
c. Biaya peralatan dan transportasi 0 0
d. Biaya administrasi dan operasional proyek 0 0

Biaya Adm dan Umum

a. Biaya Gaji karyawan 0 0
b. Biaya Gaji Pengurus 0 0
c. Biaya pemeliharaan dan transportasi 0 0
d. Biaya listrik, air, telepon 0 0
e. Biaya Lainnya 0 0
Total Biaya Operasional 0 0
Laba Operasional 0 0
Penyusutan 0 0
Laba Seb. Bunga dan Pajak 0 0
Bunga bank 0 0
Laba Sebelum Pajak 0 0
Pajak 0 0
Laba Bersih 0 0
Laba Bersih Gabungan 3,770,055,492 628,342,582
51.69% 51.69%
Direktur Utama Lucy Herlima
Nama Usaha PT. SINAR JAYA ABADI
Rugi/Laba Proyeksi Laba Rugi Objek Investasi
Dalam Sebulan
Lampiran 5

URAIAN Periode

Pendapatan Sewa Alat Berat 162,400,000

Harga Pokok Penjualan 0
Laba Kotor 162,400,000
Pendapatan lainnya 0
Laba Setelah Pendapatan Lain 162,400,000

Biaya Operasional :
a. Gaji Operator 3,920,000
b. Gaji Pembantu Operator 1,500,000
c. Gaji Pengurus 4,000,000
d. Biaya Bahan Bakar 8,569,600
e. Listrik, Air dan Telepon 500,000
f. Perawatan Excavator 500,000
g. Biaya Mobilisasi Alat 2,700,000
h. Biaya Umum dan adm kantor 250,000
i. Biaya Lain-lain 130,000
Total Biaya Operasional 22,069,600
Laba Operasional 140,330,400
Penyusutan 10,750,000
Laba Seb. Bunga dan Pajak 129,580,400
Bunga bank 16,791,667
Laba Sebelum Pajak 112,788,733
Pajak 12,406,761
Laba Bersih 100,381,973

61.81%
Direktur Utama Lucy Herlima
Cash Flow

URAIAN Periode

Kas Masuk dari Penjualan 162,400,000

Kas Masuk dari pendapatan lain-lain 0
Kas Keluar :
a. Harga Pokok Penjualan -
b. Biaya Operasional 22,069,600
c. P a j a k 12,406,761

Total Kas Keluar 34,476,361

Saldo Kas seb. Kewajiban Kpd Bank 127,923,639

Kewajiban Bank 79,291,667

a. Pokok 62,500,000
b. Bunga 16,791,667

Kas Surplus 48,631,973

Nama Usaha PT. SINAR JAYA ABADI
Rasio Keuangan Per 31 Januari 2023
Lampiran 6
Kondisi Proyeksi Naik / Turun
URAIAN
Seb. Kredit Set. Kredit Nominal

1. Nilai Modal 34,715,655,637 35,206,505,372 490,849,735

2. Likuiditas
a. Modal Kerja Bersih 6,132,928,970 5,651,361,645 (481,567,325)
b. Current Ratio 181.49% 175.09% -6.40%

3. Solvabilitas
a. Aktiva Thd. Total Hutang (Aset to liability ratio) 314.29% 302.01% -12.28%
b. Total Hutang thd. Modal (debt to equity ratio) 46.67% 49.50% 2.84%

4. Aktivitas
a. Perputaran Piutang (Collection periode) 174 161 -13
b. Perputaran Asset (Aset turn over) 1,249 1,140 -109

5. Profitabilitas
a. Profit Margin 51.98% 53.18% 1.20%
b. Return On Asset (R O A) 1.25% 1.40% 0.15%
c. Return On Equity (R O E ) 1.83% 2.09% 0.26%
 Penyst

Lampiran 7
DAFTAR PENYUSUTAN AKTIVA TETAP
PT. SINAR JAYA ABADI
Per 31 Januari 2023
Nilai Buku Tahun Perk. Umur Perk. Nilai Penyusutan Penyusutan Jumlah
No. Aktiva tetap
(Perolehan) Perolehan Teknis Residu Per- bulan Per- tahun Penyusutan
1 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
2 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
3 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
4 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
5 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
6 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
7 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
8 DT MITSUBISHITRONTON 625,000,000 2011 10 40% 3,125,000 37,500,000 3,125,000
9 DT MITSUBISHITRONTON 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
10 DT MITSUBISHITRONTON 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
11 DT MITSUBISHITRONTON 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
12 DT MITSUBISHITRONTON 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
13 DT MITSUBISHITRONTON 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
14 DT MITSUBISHITRONTON 675,000,000 2013 10 40% 3,375,000 40,500,000 3,375,000
15 DT MITSUBISHITRONTON 675,000,000 2013 10 40% 3,375,000 40,500,000 3,375,000
16 DT MITSUBISHITRONTON 675,000,000 2013 10 40% 3,375,000 40,500,000 3,375,000
17 SANY PC 200 650,000,000 2012 10 40% 3,250,000 39,000,000 3,250,000
18 KOMATSU D 85 ES 450,000,000 2012 10 40% 2,250,000 27,000,000 2,250,000
19 KOMATSU D 85 ES 450,000,000 2012 10 40% 2,250,000 27,000,000 2,250,000
20 HAMM 311 D 575,000,000 2012 10 40% 2,875,000 34,500,000 2,875,000
21 HITACHI PC 300 800,000,000 2015 10 40% 4,000,000 48,000,000 4,000,000
22 HITACHI PC 300 800,000,000 2015 10 40% 4,000,000 48,000,000 4,000,000
23 HITACHI PC 300 800,000,000 2015 10 40% 4,000,000 48,000,000 4,000,000
24 SANY DUMP TRUCK SYZ326C-BWR SN : HNZX2631036147 1,235,000,000 2022 10 40% 6,175,000 74,100,000 6,175,000
25 SANY DUMP TRUCK SYZ326C-BWR SN : HNZX2631036151 1,235,000,000 2022 10 40% 6,175,000 74,100,000 6,175,000
26 SANY DUMP TRUCK SYZ326C-BWR SN : HNZ2631036149 1,235,000,000 2022 10 40% 6,175,000 74,100,000 6,175,000
27 SANY DUMP TRUCK SYZ326C-BWR SN : HNZ2631036148 1,235,000,000 2022 10 40% 6,175,000 74,100,000 6,175,000
28 SANY DUMP TRUCK SYZ326C-BWR SN : HNZX2631036146 1,235,000,000 2022 10 40% 6,175,000 74,100,000 6,175,000
29 KABELCO HYDRAULIC EXCAVATOR SK200-10/SK200XDL-10L 1,425,000,000 2022 10 40% 7,125,000 85,500,000 7,125,000
30 KABELCO HYDRAULIC EXCAVATOR SK200-10/SK200XDL-10L 1,425,000,000 2022 10 40% 7,125,000 85,500,000 7,125,000
31 KABELCO HYDRAULIC EXCAVATOR SK330-10/SK200XDL-10L 1,425,000,000 2022 10 40% 7,125,000 85,500,000 7,125,000
32 KABELCO HYDRAULIC EXCAVATOR SK330-10/SK200XDL-10L 1,425,000,000 2022 10 40% 7,125,000 85,500,000 7,125,000
33 HITACHI ZX210F-5G 1,520,000,000 2022 10 40% 7,600,000 91,200,000 7,600,000
34 SANY SINGLE ROLLER DRUM (2022), TYPE : SSR220C-BH,S/N 945,945,945 2022 10 40% 4,729,730 56,756,757 4,729,730
35 SANY EXCAVATOR SY215C SN SY021HCBB7198 1,190,000,000 2022 10 40% 5,950,000 71,400,000 5,950,000
36 SANY MOTOR GRADER, TYPE :STG1900C-8S 1,243,243,243 2022 10 40% 6,216,216 74,594,595 6,216,216
37 SANY MOTOR GRADER 190HP (2022), TYPE : STG190C-8S, S/N :P 1,243,243,243 2022 10 40% 6,216,216 74,594,595 6,216,216
38 LIUGONG BULLDOZER MODEL CLGB230/ SN : LGCB23OZLN C00 2,150,000,000 2022 10 40% 10,750,000 129,000,000 10,750,000

Page 8
 Penyst

39 INVENTARIS LAINNYA 53,000,000 2022 4 0% 1,104,167 13,250,000 27,604,167

Total 35,020,432,431 175,941,329 2,111,295,946 202,441,329

Page 9
 67,813
162,400,000
PT. SINAR JAYA ABADI
PERHITUNGAN / PROYEKSI LABA / RUGI KI-MG YANG DIBIAYAI Lampiran 8
1.025 1.025
Total Tahun Tahun Tahun
URAIAN
Ke 1 Ke 2 Ke 3

1. Total Pendapatan 1,948,800,000 1,997,520,000 0

Pendapatan Sewa Alat Berat 1,948,800,000 1,997,520,000 0
2 Harga Pokok 0 0 0
- 0 0 0
Laba Kotor 1,948,800,000 1,997,520,000 0
3 Penerimaan Lainnya 0 0 0
Pendapatan 0 0 0
Pendapatan 0 0 0
4 Total Laba Kotor 1,948,800,000 1,997,520,000 0
Biaya Penyusutan 129,000,000 129,000,000 0
Biaya Operasional 264,835,200 271,456,080 0
Comitment fee, Supervisi, adm dan notaris 28,110,200 0 0
5. Laba Sebelum Bunga & Pajak 1,526,854,600 1,597,063,920 0
Kewajiban Bunga Bank Nagari 155,322,917 54,572,917 0
Kewajiban Bunga Pinjaman Lainnya 0 0 0
6. Laba Sebelum Pajak 1,371,531,683 1,542,491,003 0
7. Pajak 150,868,485 169,674,010 0
LABA BERSIH 1,220,663,198 1,372,816,993 0

101,721,933 114,401,416 -
PT. SINAR JAYA ABADI
PERHITUNGAN / PROYEKSI LABA / RUGI KI-MG YANG DIBIAYAI
Sesitivitas Pendapatan Turun 5% 0.95 0.950 0.950
Total Tahun Tahun Tahun
URAIAN
Ke 1 Ke 2 Ke 3

1. Total Penjualan 1,851,360,000 1,897,644,000 0

Pendapatan Sewa Alat Berat 1,851,360,000 1,897,644,000 0
2 Harga Pokok 0 0 0
- 0 0 0
Laba Kotor 1,851,360,000 1,897,644,000 0
3 Penerimaan Lainnya 0 0 0
Pendapatan 0 0 0
Pendapatan 0 0 0
4 Total Laba Kotor 1,851,360,000 1,897,644,000 0
Biaya Penyusutan 129,000,000 129,000,000 0
Biaya Operasional 264,835,200 271,456,080 0
Biaya Provisi, adm dan notaris 28,110,200 0 0
5. Laba Sebelum Bunga & Pajak 1,429,414,600 1,497,187,920 0
Kewajiban Bunga Bank Nagari 155,322,917 54,572,917 0
Kewajiban Bunga Pinjaman Lainnya 0 0 0
6. Laba Sebelum Pajak 1,274,091,683 1,442,615,003 0
7. Pajak 140,150,085 158,687,650 0
LABA BERSIH 1,133,941,598 1,283,927,353 0

PT. SINAR JAYA ABADI

PERHITUNGAN / PROYEKSI LABA / RUGI KI-MG SELURUH ALAT BERAT
1.025 1.025
Total Tahun Tahun Tahun
URAIAN
Ke 1 Ke 2 Ke 3

1. Total Pendapatan 25,334,400,000 25,967,760,000 0

Pendapatan Sewa Alat Berat 25,334,400,000 25,967,760,000 0
2 Harga Pokok 0 0 0
- 0 0 0
Laba Kotor 25,334,400,000 25,967,760,000 0
3 Penerimaan Lainnya 0 0 0
Pendapatan 0 0 0
Pendapatan 0 0 0
4 Total Laba Kotor 25,334,400,000 25,967,760,000 0
Biaya Penyusutan 1,677,000,000 1,677,000,000 0
Biaya Operasional 3,442,857,600 3,528,929,040 0
Comitment fee, Supervisi, adm dan notaris 28,110,200 0 0
5. Laba Sebelum Bunga & Pajak 20,186,432,200 20,761,830,960 0
Kewajiban Bunga Bank Nagari 155,322,917 54,572,917 0
Kewajiban Bunga Pinjaman Lainnya 1,155,336,216 1,155,336,216 0
6. Laba Sebelum Pajak 18,875,773,067 19,551,921,827 0
7. Pajak 2,076,335,037 2,150,711,401 0
LABA BERSIH 16,799,438,030 17,401,210,426 0
PERHITUNGAN / PROYEKSI CASH FLOW BULLDOZER YANG DIBIAYAI
PT. SINAR JAYA ABADI 1.025 1.025 Lampiran 9
Tahun Tahun Tahun Tahun
URAIAN Jumlah
0 Ke 1 Ke 2 Ke 3

A Kas Masuk (Cash Inflow)

1 Pendapatan Sewa Alat Berat 1,948,800,000 1,997,520,000 0 3,946,320,000
2 Penerimaan lainnya 0 #N/A #N/A #N/A
3 Kredit Modal Kerja 0 #N/A #N/A #N/A
4 Pinjaman pihak ke 3 lainnya 0 #N/A #N/A #N/A
5 Setoran Dana Sendiri 886,500,000 0 #N/A #N/A #N/A
6 KI-MG 1,500,000,000 0 0 0 0
Total Cash Inflow 2,386,500,000 1,948,800,000 #N/A #N/A #N/A

B Kas Keluar (Cash Outflow)

1 Investasi Pembelian Bulldozer 2,386,500,000 0
2 Harga Pokok Penjualan 0 0 0 0
Sub Total Harga Pokok Penjualan 0 0 0 0
3 Biaya Operasional 264,835,200 271,456,080 0 536,291,280
Sub Total Biaya Operasional 264,835,200 271,456,080 0 536,291,280
4 Kewajiban Bank
a. Biaya Provisi, Adm, asuransi, notaris 28,110,200 0 0 28,110,200
b. Bunga Bank 155,322,917 54,572,917 0 209,895,833 baca SOP KI-MG apa itu IRR, NPV, ratio, benefit,
c. Pokok Bank 750,000,000 750,000,000 0 1,500,000,000
d. Lainnya 0 0 0 0
Sub Total Kewajiban Bank & lainnya 933,433,117 804,572,917 0 1,738,006,033
5 Kewajiban lainnya
a. Pinjaman pihak ke 3 lainnya 0 0 0 0
b. Pajak 140,150,085 158,687,650 0 298,837,736
Sub Total Kewajiban Lainnya 140,150,085 158,687,650 0 298,837,736
Total Cash Outflow 2,386,500,000 1,338,418,402 1,234,716,647 0 2,573,135,049
C Selisih Kas (Kas Akhir) 0 610,381,598 #N/A #N/A #N/A

50,865,133 #N/A #N/A

#N/A

Sesitivitas Pendapatan Turun 5%

PERHITUNGAN / PROYEKSI CASH FLOW BULLDOZER YANG DIBIAYAI
PT. SINAR JAYA ABADI 0.95 0.95 0.95
Tahun Tahun Tahun Tahun
URAIAN Jumlah
0 Ke 1 Ke 2 Ke 3

A Kas Masuk (Cash Inflow)

1 Pendapatan Sewa Alat Berat 1,851,360,000 1,897,644,000 0 3,749,004,000
2 Penerimaan lainnya 0 0 0 0
3 Kredit Modal Kerja 0 0 0 0
4 Pinjaman pihak ke 3 lainnya 0 0 0 0
5 Setoran Dana Sendiri 886,500,000 0 0 0 0
6 KI-MG 1,500,000,000 0 0 0 0
Total Cash Inflow 2,386,500,000 1,851,360,000 1,897,644,000 0 3,749,004,000

B Kas Keluar (Cash Outflow)

1 Investasi Pembelian Ruko 2,386,500,000 0
2 Harga Pokok Penjualan 0 0 0 0
Sub Total Harga Pokok Penjualan 0 0 0 0
3 Biaya Operasional 264,835,200 271,456,080 0 536,291,280
Sub Total Biaya Operasional 264,835,200 271,456,080 0 536,291,280
4 Kewajiban Bank
a. Biaya Provisi, Adm, asuransi, notaris 28,110,200 0 0 28,110,200
b. Bunga Bank 155,322,917 54,572,917 0 209,895,833
c. Pokok Bank 750,000,000 750,000,000 0 1,500,000,000
d. Lainnya 0 0 0 0
Sub Total Kewajiban Bank & lainnya 933,433,117 804,572,917 0 1,738,006,033
5 Kewajiban lainnya
a. Pinjaman pihak ke 3 lainnya 0 0 0 0
b. Pajak 140,150,085 158,687,650 0 298,837,736
Sub Total Kewajiban Lainnya 140,150,085 158,687,650 0 298,837,736
Total Cash Outflow 2,386,500,000 1,338,418,402 1,234,716,647 0 2,573,135,049
C Selisih Kas (Kas Akhir) 0 512,941,598 662,927,353 0 1,175,868,951

-97,440,000 #N/A #N/A 1,175,868,951

PERHITUNGAN / PROYEKSI CASH FLOW SELURUH EXCAVATOR

PT. SINAR JAYA ABADI 19551921827.3333 0
Tahun Tahun Tahun Tahun
URAIAN Jumlah
0 Ke 1 Ke 2 Ke 3

A Kas Masuk (Cash Inflow)

1 Pendapatan Sewa Alat Berat 25,334,400,000 25,967,760,000 0 51,302,160,000
2 Penerimaan lainnya 0 #N/A #N/A #N/A
3 Kredit Modal Kerja 0 #N/A #N/A #N/A
4 Pinjaman pihak ke 3 lainnya 0 #N/A #N/A #N/A
5 Setoran Dana Sendiri 886,500,000 0 #N/A #N/A #N/A
6 KI-MG 1,500,000,000 0 0 0 0
Total Cash Inflow 2,386,500,000 25,334,400,000 #N/A #N/A #N/A

B Kas Keluar (Cash Outflow)

1 Investasi Pembelian Excavator 2,386,500,000 0 0
2 Harga Pokok Penjualan 0 0 0 0
Sub Total Harga Pokok Penjualan 0 0 0 0
3 Biaya Operasional 3,442,857,600 3,528,929,040 0 6,971,786,640
Sub Total Biaya Operasional 3,442,857,600 3,528,929,040 0 6,971,786,640
4 Kewajiban Bank
a. Biaya Provisi, Adm, asuransi, notaris 28,110,200 0 0 28,110,200
b. Bunga Bank 155,322,917 54,572,917 0 209,895,833
c. Pokok Bank 1,022,608,389 1,022,608,389 0 2,045,216,778
d. Lainnya 0 0 0 0
Sub Total Kewajiban Bank & lainnya 1,206,041,506 1,077,181,306 0 2,283,222,811
5 Kewajiban lainnya
a. Pinjaman pihak ke 3 lainnya 7,525,812,565 5,644,359,424 0 13,170,171,989
b. Pajak 2,076,335,037 2,150,711,401 0 4,227,046,438
Sub Total Kewajiban Lainnya 9,602,147,602 7,795,070,825 0 17,397,218,427
Total Cash Outflow 2,386,500,000 14,251,046,708 12,401,181,170 0 26,652,227,878
C Selisih Kas (Kas Akhir) 0 11,083,353,292 #N/A #N/A #N/A
 Lampiran 10
P + I *( 1 - T ) + D
( HASIL )
1 1,489,453,823
2 1,550,932,618
3 0

Sesitivitas Pendapatan Turun 5%

P + I *( 1 - T ) + D
( HASIL )
1 1,402,732,223
2 1,462,042,978
3 0
ANALISA NPV, IRR, B/C RATIO

TAHUN NET CASH INFLOW CAPITAL NET DF PRESENT DF PRESENT NET CASH INFLOW
(PROCEED) OUTLAYS PROCEED 12.00% VALUE 17.65% VALUE DISCOUNTED
12.00% 17.65%
0 - 2,386,500,000 (2,386,500,000) 1.0000 (2,386,500,000) 1.0000 (2,386,500,000) -
1 1,489,453,823 - 1,489,453,823 0.8929 1,329,869,485 0.8500 1,266,005,222 1,329,869,485
2 1,550,932,618 - 1,550,932,618 0.7972 1,236,393,988 0.7225 1,120,494,778 1,236,393,988
3 - - - - - -
Jumlah 3,040,386,441 2,386,500,000 653,886,441 179,763,473 - 2,566,263,473

NPV 179,763,473
IRR 17.65% 17.64989569%
B/C ratio 1.08

Sesitivitas Pendapatan Turun 5%

ANALISA NPV, IRR, B/C RATIO

TAHUN NET CASH INFLOW CAPITAL NET DF PRESENT DF PRESENT NET CASH INFLOW
(PROCEED) OUTLAYS PROCEED 12.00% VALUE 13.00% VALUE DISCOUNTED
12.00% 13.00%
0 - 2,386,500,000 (2,386,500,000) 1.0000 (2,386,500,000) 1.0000 (2,386,500,000) -
1 1,402,732,223 - 1,402,732,223 0.8929 1,252,439,485 0.8500 1,192,293,639 1,252,439,485
2 1,462,042,978 - 1,462,042,978 0.7972 1,165,531,711 0.7225 1,056,275,110 1,165,531,711
3 - - - - - -
Jumlah 2,864,775,201 2,386,500,000 478,275,201 31,471,196 (137,931,250) 2,417,971,196

NPV 31,471,196
IRR 13.00% 12.99520228%
B/C ratio 1.01
 Lampiran 11
NET CAPITAL OUTLAYS
DISCOUNTED

2,386,500,000
-
-
-
2,386,500,000

NET CAPITAL OUTLAYS

DISCOUNTED

2,386,500,000
-
-
-
2,386,500,000
 PERHITUNGAN KEBUTUHAN INVESTASI PEMBELIAN
PT. SINAR JAYA ABADI
Lampiran 12
Uraian Harga Total
Harga 1 (satu) unit Liugong Bulldozer B230 2,150,000,000 2,150,000,000
PPN (11%) 236,500,000 236,500,000
Total Kebutuhan 2,386,500,000
Dana sendiri 37.15% 886,500,000
Fasilitas KI-MG yang diusulkan 62.85% 1,500,000,000
 Lampiran 13
PLAFOND 1,500,000,000
JANGKA WAKTU (BULAN) 24 2 TAHUN
SUKU BUNGA SLIDING 13.00%

SIMULASI SUKU BUNGA SLIDING

Bulan Angsuran Pokok Angsuran Bunga Total Angsuran Baki Debet
1 62,500,000 16,791,667 79,291,667 1,437,500,000
2 62,500,000 16,092,014 78,592,014 1,375,000,000
3 62,500,000 15,392,361 77,892,361 1,312,500,000
4 62,500,000 14,692,708 77,192,708 1,250,000,000
5 62,500,000 13,993,056 76,493,056 1,187,500,000
6 62,500,000 13,293,403 75,793,403 1,125,000,000
7 62,500,000 12,593,750 75,093,750 1,062,500,000
8 62,500,000 11,894,097 74,394,097 1,000,000,000
9 62,500,000 11,194,444 73,694,444 937,500,000
10 62,500,000 10,494,792 72,994,792 875,000,000
11 62,500,000 9,795,139 72,295,139 812,500,000
12 62,500,000 9,095,486 71,595,486 750,000,000
Tahun 1 750,000,000 155,322,917 905,322,917
13 62,500,000 8,395,833 70,895,833 687,500,000
14 62,500,000 7,696,181 70,196,181 625,000,000
15 62,500,000 6,996,528 69,496,528 562,500,000
16 62,500,000 6,296,875 68,796,875 500,000,000
17 62,500,000 5,597,222 68,097,222 437,500,000
18 62,500,000 4,897,569 67,397,569 375,000,000
19 62,500,000 4,197,917 66,697,917 312,500,000
20 62,500,000 3,498,264 65,998,264 250,000,000
21 62,500,000 2,798,611 65,298,611 187,500,000
22 62,500,000 2,098,958 64,598,958 125,000,000
23 62,500,000 1,399,306 63,899,306 62,500,000
24 62,500,000 699,653 63,199,653 0
Tahun 2 750,000,000 54,572,917 804,572,917
 Lampiran 12
PLAFOND 1,500,000,000
JANGKA WAKTU (BULAN) 24 2 TAHUN
SUKU BUNGA SLIDING 13.00%

SIMULASI SUKU BUNGA SLIDING

Bulan Angsuran Pokok Angsuran Bunga Total Angsuran Baki Debet
1 62,500,000 16,791,667 79,291,667 1,437,500,000
2 62,500,000 16,092,014 78,592,014 1,375,000,000
3 62,500,000 15,392,361 77,892,361 1,312,500,000
4 62,500,000 14,692,708 77,192,708 1,250,000,000
5 62,500,000 13,993,056 76,493,056 1,187,500,000
6 62,500,000 13,293,403 75,793,403 1,125,000,000
7 62,500,000 12,593,750 75,093,750 1,062,500,000
8 62,500,000 11,894,097 74,394,097 1,000,000,000
9 62,500,000 11,194,444 73,694,444 937,500,000
10 62,500,000 10,494,792 72,994,792 875,000,000
11 62,500,000 9,795,139 72,295,139 812,500,000
12 62,500,000 9,095,486 71,595,486 750,000,000
Tahun 1 750,000,000 155,322,917 905,322,917
13 62,500,000 8,395,833 70,895,833 687,500,000
14 62,500,000 7,696,181 70,196,181 625,000,000
15 62,500,000 6,996,528 69,496,528 562,500,000
16 62,500,000 6,296,875 68,796,875 500,000,000
17 62,500,000 5,597,222 68,097,222 437,500,000
18 62,500,000 4,897,569 67,397,569 375,000,000
19 62,500,000 4,197,917 66,697,917 312,500,000
20 62,500,000 3,498,264 65,998,264 250,000,000
21 62,500,000 2,798,611 65,298,611 187,500,000
22 62,500,000 2,098,958 64,598,958 125,000,000
23 62,500,000 1,399,306 63,899,306 62,500,000
24 62,500,000 699,653 63,199,653 0
Tahun 2 750,000,000 54,572,917 804,572,917
 Bank BRI Rek No. 005801003805305
Mutasi Rekening Koran Bank Periode Ags 2022 sd Jan 2023
Bulan Debet Frek Kredit Frek
Ags 22 774,131,932 18 1,333,671,426 6
Sept 22 769,653,062 13 217,377,811 6
Okt 22 1,021,343,832 13 2,685,586,094 3
Nov 22 1,563,016,906 20 337,028 1
Des 22 2,475,360,705 17 2,473,371,327 4
Jan 23
Jlh 6,603,506,437 81 6,710,343,686 20
Rata2 1,320,701,287 16 1,342,068,737 4

Bank Nagari Rek No. 2100.0103.038777

Mutasi Rekening Koran Bank Periode Agus 2022 sd Jan 2023
Bulan Debet Frek Kredit Frek
Ags 22 20,000 1 - -
Sept 22 20,000 1 - -
Okt 22 20,000 1 - -
Nov 22 22,500 2 - -
Des 22 22,500 2 - -
Jan 23 22,500 2 - -
Jlh 127,500 9 - -
Rata2 21,250 2 - -

Bank BNI Rek No. 8116666700

Mutasi Rekening Koran Bank Periode Ags 2022 sd Jan 2023
Bulan Debet Frek Kredit Frek
Ags 22 50,000 2 - -
Sept 22 50,000 2 - -
Okt 22 50,000 2 - -
Nov 22 50,000 2 - -
Des 22 150,050,000 3 150,250,000 4
Jan 23 50,000 2 - -
Jlh 150,300,000 13 150,250,000 4
Rata2 25,050,000 2 25,041,667 1
 Perhitungan NPV, IRR dan B/C RATIO

Capital Outlay DF
Tahun Net Cashflow (NCF) NCF - CO
(CO)
14.25%
0 0 2,386,500,000 -2,386,500,000 1.0000
1 1,489,453,823 0 1,489,453,823 0.8753
2 1,550,932,618 0 1,550,932,618 0.7661
3 0 0 0 0.6706
4 #REF! 0 #REF! 0.5869
5 #REF! 0 #REF! 0.5137
6 #REF! 0 #REF! 0.4496
7 #REF! 0 #REF! 0.3936
8 #REF! 0 #REF! 0.3445
9 #REF! 0 #REF! 0.3015
10 #REF! 0 #REF! 0.2639

#REF! 2,386,500,000 #REF!

NPV =
IRR
B/C Ratio

KESIMPULAN PROYEK LAYAK UNTUK DIBIA

- NPV Positif
- IRR lebih besar dari suku bunga
- B/C Ratio besar dari 1
n NPV, IRR dan B/C RATIO
Lampiran 6

PV of NCF pada PV of CO pada

PV of NCF DF PV of NCF
bunga bunga

14.25% 39.42% 39.42% 14.25% 14.25%

-2,386,500,000 1.0000 -2,386,500,000 0 2,386,500,000
1,303,679,495 0.7173 1,068,321,491 1,303,679,495 0
1,188,175,279 0.5145 797,889,542 1,188,175,279 0
0 0.3690 0 0 0
#REF! 0.2647 #REF! #REF! 0
#REF! 0.1898 #REF! #REF! 0
#REF! 0.1362 #REF! #REF! 0
#REF! 0.0977 #REF! #REF! 0
#REF! 0.0700 #REF! #REF! 0
#REF! 0.0502 #REF! #REF! 0
#REF! 0.0360 #REF! #REF! 0

#REF! #REF! #REF! 2,386,500,000

#REF!
#REF!
#REF!

PROYEK LAYAK UNTUK DIBIAYAI, KARENA :

NPV Positif
IRR lebih besar dari suku bunga acuan (cut of rate)
B/C Ratio besar dari 1
1 Ha : 20 sd 25 jam tergantung kemiringan lahan
1 Hari 8 jam kerja 240
1 jam 20 liter

Ha Jam Harga Pdpt Pdpt maks

Jun 10 200 400,000 80,000,000 83,200,000
Jul
Ags
Sept
Okt
Nov

250,000
103,000
353,000
1 Hari 8 jam kerja
1 ha 20 jam
1 ha ; 2.5 hari 10.00 2.5 25
30 2.5 12.00
BBM
5,150
No Nama Debitur & Grup Jenis Kredit Plafond Baki Debet
1 PT. Asiva Mandiri Pratama KI-MG 1,039,000,000 1,039,000,000
2 PT. Sangir Putra Reksindo KRK 1,150,000,000 1,150,000,000
3 Wandra Yunaldi KUR 245,000,000 224,583,332
4 Jumlah 2,434,000,000 2,413,583,332
5 Permohonan PT. Asiva Mandiri Pratama KI-MG 1,039,000,000 1,039,000,000
6 Total Kredit Debitur & Grup Set Permohonan 3,473,000,000 3,452,583,332