COST OF FUND

Giro
Jumlah Dana

Jasa Giro

15,000.00
27,000.00
45,000.00
60,000.00

Biaya Dana
0.00%
1.00%
1.50%
2.00%

270.00
675.00
1,200.00

147,000.00
cost of fund

All Fund
Sumber Dana
Giro
Tabungan
Deposito

2,145.00

cost of fund

Jumlah Dana
Bunga
147,000.00
159,000.00
810,000.00

1.46%
4.38%
7.00%

2,000,000.00
2,500,000.00

Jumlah Dana
147,000.00
159,000.00
810,000.00
2,000,000.00
2,500,000.00
5,616,000.00
total cost of fund

Biaya Dana
2,145.00
6,960.00
56,725.00
65,830.00

total cost of fund

All Fund
Sumber Dana
Giro
Tabungan
Deposito
Obligasi
Subordinated Loan

159,000.00

1.46%

1,116,000.00

Jika issues:
1. obligasi
2. subordinated loan

Tabungan
Jumlah Dana
66,000.00
93,000.00

5.90%

coupon rate
coupon rate

Bunga
1.46%
4.38%
7.00%
12.00%
11.00%

12.00%
11.00%

Biaya Dana
2,145.00
6,960.00
56,725.00
240,000.00
275,000.00
580,830.00
10.34%

Bunga

Biaya Dana
3.5%
5.0%

2,310.00
4,650.00

6,960.00
4.38%

Deposito
Jumlah Dana
Jangka Waktu
Bunga
80,000.00
1
6.0%
160,000.00
3
6.5%
245,000.00
6
7.0%
325,000.00
12
7.5%
810,000.00
cost of fund

7.00%

Biaya Dana
4,800.00
10,400.00
17,150.00
24,375.00
56,725.00

TOTAL COST OF LOANABLE FUND (DEPOSITS ONLY)

Sumber Dana
Giro
Tabungan
Deposito

Jumlah Dana
147,000.00
159,000.00
810,000.00

RR
5%
5%
5%

Loanable Fund
139,650.00
151,050.00
769,500.00

1,116,000.00

Bunga
1.46%
4.38%
7.00%

1,060,200.00

Total Cost of Loanable Fund

TOTAL COST OF LOANABLE FUND (+/+ OTHER SOURCES OF FUND)

Sumber Dana
Giro
Tabungan
Deposito
Obligasi
Subordinated Loan

Jumlah Dana
147,000.00
159,000.00
810,000.00
2,000,000.00
2,500,000.00

RR
5%
5%
5%
0%
0%

Loanable Fund
139,650.00
151,050.00
769,500.00
2,000,000.00
2,500,000.00

5,616,000.00
5,560,200.00
Total Cost of Loanable Fund

Bunga
1.46%
4.38%
7.00%
12.00%
11.00%

Biaya Dana
2,145.00
6,960.00
56,725.00
65,830.00
6.21%

Biaya Dana
2,145.00
6,960.00
56,725.00
240,000.00
275,000.00
580,830.00
10.45%

Sumber Dana
Giro
Tabungan
Deposito
Obligasi
Subordinated Loan

Jumlah Dana
Bunga
Biaya Dana
147,000.00
1.46%
2,145.00
159,000.00
4.38%
6,960.00
810,000.00
7.00%
56,725.00
2,000,000.00
11.00%
220,000.00
2,500,000.00
12.00%
300,000.00
5,616,000.00

Giro < saldo minimum

Tabungan < saldo minimum

39,500.00
3,000.00
42,500.00

Jumlah

5,658,500.00

Cost of Fund

10.43%

Total Cost of Fund

10.35%

585,830.00

Personalia
Administrasi & Umum
Lain-lain

50,000.00
100,000.00
3,500.00

Jumlah Biaya

153,500.00

Raised Funds

5,616,000.00

O/H cost

2.73%

projected profit
projected loan
spread

150,000.00
5,560,200.00
2.70%

1. Impact Loan Provision on Risk Premium

2. Impact Loan Collectibility on Risk Premium
Cadangan Umum
Total Aktiva Produktip
Cadangan Khusus

provision

Cadangan Umum
Cadangan Khusus:
1. Lancar
2. Dalam Perhatian
3. Kurang Lancar
4. Doubtful
5. Macet

1. Lancar
2. Dalam Perhatian
3. Kurang Lancar
4. Doubtful
5. Macet

loan
collectibility
(%)

1.0%
0.0%
5.0%
15.0%
50.0%
100.0%

loan
classification

loan loss
provision
(%)
1%

87%
5%
4%
3%
1%

4,837,374.00
278,010.00
222,408.00
166,806.00
55,602.00

100%

5,560,200.00

provision

0.0%
5.0%
15.0%
50.0%
100.0%

amount
loan loss

55,602.00
13,900.50
33,361.20
83,403.00
55,602.00
241,868.70

4.35%

Base Lending Rate

Cost of Loanable Funds

Overhead Cost
Cost of Money
Spread
Cost of Money + spread
Tax (30%) on Spread
Provision

Base Lending Rate

10.45%
2.73% +
13.18%
2.70% +
15.88%
0.81%
4.35% +
21.04%

21.04%

Base Lending Rate

Risk Premium
Loan Rate

21.04%
2.00%
23.04%

Gross Return on the Loan

1+k

Loan Origination Fee

Compensating Balances
Reserve Requirement

f
b
r

1 + k = 1 + f + (loan rate) / 1 - [b (1 - r) ]

Loan Rate
Loan Origination Fee (f)
Compensating Balances (b)
Reserve Requirement ( r )

23.04%
0.125%
10.00%
5.00%

1 + f + (loan rate) =
1 - [b (1 - r) ] =

123.162%
95.50%

1+k=

128.96%

k=

28.96%

Jika:
Loan Origination Fee (f)
Compensating Balances (b)

0.00%
0.00%

maka:
1+k=

1 + (loan rate)