A1

A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Porsi Pemilik Dana

Saldo RataPendapatanNisbahh Nominal
A
B
C
D
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
sigma D

puo - Pendapatan Utama Operasi

Pemilik Dana
Porsi Bank
%p.a
Nisbah
Nominal
E
F
G
#DIV/0! 100.00%
#DIV/0!
#DIV/0! 100.00%
#DIV/0!
#DIV/0! 100.00%
#DIV/0!
#DIV/0! 100.00%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

100.00%
100.00%
100.00%
100.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
sigma G

ma Operasi

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625
Saldo
Pendapatan yg
Rata2
dibagi
A
B
200,000
7,782
70,000
2,724
100,000
3,891
800,000
31,128

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

200,000
300,000
400,000
500,000
2,570,000
% p.a =

7,782
11,673
15,564
19,455
100,000
46.69%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
100,000

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

38.9 Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Saldo Rata2 %p.a

0
9000
0
6000
5000
4000
3000
2000
29000

0.00%
4.67%
0.00%
14.01%
0.00%
18.68%
19.61%
20.54%
21.48%
13878.97%

Porsi Pemilik Dana

Nisbahh

Nominal

Porsi Bank
%p.a

Nisbah

Nominal

%p.a

0%
0
10% 272.3735
0%
0
30% 9338.521

E
0.00%
4.67%
0.00%
14.01%

F
100.00%
90.00%
100.00%
70.00%

G
7782.101
2451.362
3891.051
21789.88

H
46.69% Nibah Bank + Nismbah Na
42.02% 2723.735
46.69% Total Nisbah dan Bank Nom
32.68%

40% 3112.84
42% 4902.724
44% 6848.249
46% 8949.416
33424.1

18.68%
19.61%
20.54%
21.48%
15.61%

60.00%
58.00%
56.00%
54.00%

4669.261
6770.428
8715.953
10505.84
66575.9

oto yg judulnya "Bagi hasil per individu)

28.02%
27.08%
26.15%
25.21%
31.09%

Return
(dalam ribuan Rp)
35,019
70,039
77,821
65,370
51,362
35,798
335,409

--> hati2, remponggg judulnya

puo - Pendapatan Utama Operasi

ibah Bank + Nismbah Nasabah harus 100%

F+G=B
otal Nisbah dan Bank Nominal Per baris harus sama dengan kolom B

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625

Porsi Pemilik Da
Saldo
Rata2

Jenis Simpanan
A
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

5,000
25,000
5,000
30,000
20,000
25,000
30,000
10,000
150,000

Pendapatan yg
Nisbahh
dibagi
B
C
75
0%
375
25%
75
0%
450
30%
300
375
450
150
2,250

45%
46%
47%
48%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
2,250

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

15 Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

puo - Pendapatan Utama Operasi

Porsi Pemilik Dana

Nominal
D

Porsi Bank

%p.a
E

Nisbah
F

Nominal
G

0
93.75
0
135

0.00%
4.50%
0.00%
5.40%

100.00%
75.00%
100.00%
70.00%

75
281.25
75
315

135
172.5
211.5
72
819.75

8.10%
8.28%
8.46%
8.64%

55.00%
54.00%
53.00%
52.00%

165
202.5
238.5
78
1430.25

lnya "Bagi hasil per individu)

375 F+G=B
Total Nisbah dan Bank Nominal Per baris harus s

patan Utama Operasi

Nominal Per baris harus sama dengan kolom B

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625

Porsi Pemilik Da
Saldo
Pendapatan yg
Nisbahh
Rata2
dibagi
A
B
C
10,000
192
0%
40,000
769
20%
20,000
385
0%
50,000
962
25%

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

20,000
30,000
40,000
50,000
260,000
% p.a =

385
577
769
962
5,000
23.08%

40%
42%
44%
46%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
5,000

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

19 Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Saldo Rata2 %p.a

0
50
20
80
50
75
100
125
500

Return
0.00%
4.62%
0.00%
5.77%
0.00%
9.23%
9.69%
10.15%
10.62%
8.45%

0.000
0.192
0.000
0.385
0.000
0.385
0.606
0.846
1.106
3.519

puo - Pendapatan Utama Operasi

Porsi Pemilik Dana

Nominal

Nisbah

Nominal

%p.a

0
153.8462
0
240.3846

E
0.00%
4.62%
0.00%
5.77%

F
100.00%
80.00%
100.00%
75.00%

G
192.3077
615.3846
384.6154
721.1538

H
23.08% Nibah Bank + Nismbah Nasabah harus 100%
18.46% 769.2308 F+G=B
23.08% Total Nisbah dan Bank Nominal Per baris harus s
17.31%

153.8462
242.3077
338.4615
442.3077
1571.15

9.23%
9.69%
10.15%
10.62%
7.25%

60.00%
58.00%
56.00%
54.00%

230.7692
334.6154
430.7692
519.2308
3428.85

%p.a

Porsi Bank

lnya "Bagi hasil per individu)

13.85%
13.38%
12.92%
12.46%
15.83%

patan Utama Operasi

Nasabah harus 100%

Nominal Per baris harus sama dengan kolom B

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625

Porsi Pemilik Da
Saldo
Pendapatan yg
Nisbahh
Rata2
dibagi
A
B
C
20,000
462
0%
80,000
1,846
10%
50,000
1,154
0%
150,000
3,462
20%

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

50,000
75,000
100,000
125,000
650,000
% p.a =

1,154
1,731
2,308
2,885
15,000
27.7%

41%
44%
47%
50%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
PUO =

15000 --> Soal ini udh diketahui langsung.kl ga d

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

- Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Saldo Rata2 %p.a

10
50
40
100
0
100
0
200
500

Return
0.00%
2.77%
0.00%
5.54%
0.00%
11.35%
12.18%
13.02%
13.85%
9.36%

0.000
0.115
0.000
0.462
0.000
0.000
1.015
0.000
2.308
3.9

puo - Pendapatan Utama Operasi

Porsi Pemilik Dana

Nominal

Nisbah

Nominal

0
184.6154
0
692.3077

E
0.00%
2.77%
0.00%
5.54%

F
100.00%
90.00%
100.00%
80.00%

G
461.5385
1661.538
1153.846
2769.231

473.0769
761.5385
1084.615
1442.308
4638.46

11.35%
12.18%
13.02%
13.85%
8.56%

59.00%
56.00%
53.00%
50.00%

680.7692
969.2308
1223.077
1442.308
10361.5

%p.a

Porsi Bank
%p.a

H
27.7% Nibah Bank + Nismbah Nasabah harus 100%
24.9% 1846.154 F+G=B
27.7% Total Nisbah dan Bank Nominal Per baris harus s
22.2%
16.3%
15.5%
14.7%
13.8%
19.13%

etahui langsung.kl ga diketahui hrs cari dulu pake rumus di Latihan

lnya "Bagi hasil per individu)

patan Utama Operasi

Nasabah harus 100%

Nominal Per baris harus sama dengan kolom B

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625

Porsi Pemilik Da
Saldo
Pendapatan yg
Nisbahh
Rata2
dibagi
A
B
C
20,000
462
0%
80,000
1,846
10%
50,000
1,154
0%
150,000
3,462
20%

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

50,000
75,000
100,000
125,000
650,000
% p.a =

1,154
1,731
2,308
2,885
15,000
27.7%

41%
44%
47%
50%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
PUO =

15000 --> Soal ini udh diketahui langsung.kl ga d

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

- Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Saldo Rata2 %p.a

10
50
40
100
0
100
0
200
500

Return
0.00%
2.77%
0.00%
5.54%
0.00%
11.35%
12.18%
13.02%
13.85%
9.36%

0.000
0.115
0.000
0.462
0.000
0.000
1.015
0.000
2.308
3.9

puo - Pendapatan Utama Operasi

Porsi Pemilik Dana

Nominal

Nisbah

Nominal

0
184.6154
0
692.3077

E
0.00%
2.77%
0.00%
5.54%

F
100.00%
90.00%
100.00%
80.00%

G
461.5385
1661.538
1153.846
2769.231

473.0769
761.5385
1084.615
1442.308
4638.46

11.35%
12.18%
13.02%
13.85%
8.56%

59.00%
56.00%
53.00%
50.00%

680.7692
969.2308
1223.077
1442.308
10361.5

%p.a

Porsi Bank
%p.a

H
27.7% Nibah Bank + Nismbah Nasabah harus 100%
24.9% 1846.154 F+G=B
27.7% Total Nisbah dan Bank Nominal Per baris harus s
22.2%
16.3%
15.5%
14.7%
13.8%
19.13%

etahui langsung.kl ga diketahui hrs cari dulu pake rumus di Latihan

lnya "Bagi hasil per individu)

patan Utama Operasi

Nasabah harus 100%

Nominal Per baris harus sama dengan kolom B

I/s
Sales (Revenue)
COGS
Gross Profit
Operationaal Expense

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan
Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

PUO yg akan dibagihasilkan

PUO x Funding / Financing
50,000,000,000

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)
20

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

175,000
2,625
Saldo Rata2
A
100,000,000,000
500,000,000,000
200,000,000,000
700,000,000,000

% p.a =

Pendapatan yg
dibagi
B
2,000,000,000
10,000,000,000
4,000,000,000
14,000,000,000

100,000,000,000
2,000,000,000
200,000,000,000
4,000,000,000
300,000,000,000
6,000,000,000
400,000,000,000
8,000,000,000
2,500,000,000,000 50,000,000,000
24.00%

Cara pakenya liat di foto yg judulnya "Bagi hasil per individu)

Saldo Rata2

%p.a
300,000,000
100,000,000
200,000,000
500,000,000
900,000,000
2,000,000,000

0.00%
1.20%
0.00%
3.60%
0.00%
10.80%
12.00%
13.20%
14.40%
10.32%

Porsi Pemilik Dana

Nisbahh

Nominal

Porsi Bank
%p.a

0%
5%
0%
15%

500,000,000
2,100,000,000

E
0.00%
1.20%
0.00%
3.60%

45%
50%
55%
60%

900,000,000
2,000,000,000
3,300,000,000
4,800,000,000
13,600,000,000

10.80%
12.00%
13.20%
14.40%
6.53%

Nisbah

Nominal

%p.a

F
100.00%
95.00%
100.00%
85.00%

G
2,000,000,000
9,500,000,000
4,000,000,000
11,900,000,000

H
24.00%
22.80%
24.00%
20.40%

55.00%
50.00%
45.00%
40.00%

1,100,000,000
2,000,000,000
2,700,000,000
3,200,000,000
36,400,000,000

13.20%
12.00%
10.80%
9.60%
17.47%

Return
300,000
600,000
5,500,000
10,800,000
17,200,000

puo - Pendapatan Utama Operasi

Nibah Bank + Nismbah Nasabah harus 100%

1.0E+010 F+G=B
Total Nisbah dan Bank Nominal Per baris harus sama dengan kolom B

A1
A2
a3
a4
a5
a6
a7
a8
sigma A

rata2
rata2

--> rata2 dr a1 sampe a8

rata2 dirata2in lg

B1 bagian dr B utk A1
B2 bagian dr B utk A2
C1

Saldo rata-rata pembiayaan

Total Pendapatan Pembiayaan

175,000
2,625
Saldo
Pendapatan yg
Rata2
dibagi
A
B
50,000
2,500
150,000
7,500
10,000
500
190,000
9,500

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

400,000
100,000
75,000
25,000
1,000,000
% p.a =

20,000
5,000
3,750
1,250
50,000
60.00%

PUO yg akan dibagihasilkan

PUO x Funding / Financing
50,000

Ada cara lain menghitug HI per mil

(Hasil investasi per seribu)

50.0 Cara pakenya liat di foto yg judulnya "Bagi hasil per ind

Jenis Simpanan
Giro Wadiah
Giro Mudharabah
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudhaarabah
1 Buan
3 Bulan
6 Bulan
12 Bulan

Saldo Rata2 %p.a

0
300
100
200
0
0
500
900
2000

0.00%
12.00%
0.00%
15.00%
0.00%
36.00%
37.80%
39.00%
30.00%
26550.00%

Porsi Pemilik Dana

Nisbahh

Nominal

Porsi Bank
%p.a

Nisbah
F
100.00%
80.00%
100.00%
75.00%

G
2500
6000
500
7125

40.00%
37.00%
35.00%
50.00%

8000
1850
1312.5
625
27912.5

0%
20%
0%
25%

0
1500
0
2375

E
0.00%
12.00%
0.00%
15.00%

60%
63%
65%
50%

12000
3150
2437.5
625
22087.5

36.00%
37.80%
39.00%
30.00%
26.51%

oto yg judulnya "Bagi hasil per individu)

Nominal

%p.a

H
60.00% Nibah Bank + Nismbah Na
48.00%
7500
60.00% Total Nisbah dan Bank Nom
45.00%
24.00%
22.20%
21.00%
30.00%
33.50%

Return
(dalam ribuan Rp)
3,000
2,500
16,250
22,500
44,250

--> hati2, remponggg judulnya

puo - Pendapatan Utama Operasi

ibah Bank + Nismbah Nasabah harus 100%

F+G=B
otal Nisbah dan Bank Nominal Per baris harus sama dengan kolom B