SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
9,426,000
2,460,000
1,936,000
2,087,000
1,829,000
2,623,000

20,361,000

POKOK
PINJAMAN
9,426,000
11,886,000
13,822,000
15,909,000
17,738,000
20,361,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

637,007
596,347
555,687
515,027
474,367
433,707
393,047
352,387
311,727

29,275,200
26,022,400
22,769,600
19,516,800
16,264,000
13,011,200
9,758,400
6,505,600
3,252,800
-

942,600
1,188,600
1,382,200
1,590,900
1,773,800
2,036,100

8,914,200

3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800

4,391,280
3,903,360
3,415,440
2,927,520
2,439,600
1,951,680
1,463,760
975,840
487,920

7,644,080
7,156,160
6,668,240
6,180,320
5,692,400
5,204,480
4,716,560
4,228,640
3,740,720

29,275,200

21,956,400

51,231,600

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET A

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
2,565,000
672,000
756,000
720,000
660,000
540,000

5,913,000

POKOK
PINJAMAN
2,565,000
3,237,000
3,993,000
4,713,000
5,373,000
5,913,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

184,788
172,993
161,198
149,403
137,608
125,813
114,018
102,223
90,428

8,492,400
7,548,800
6,605,200
5,661,600
4,718,000
3,774,400
2,830,800
1,887,200
943,600
-

256,500
323,700
399,300
471,300
537,300
591,300

2,579,400

943,600
943,600
943,600
943,600
943,600
943,600
943,600
943,600
943,600

1,273,860
1,132,320
990,780
849,240
707,700
566,160
424,620
283,080
141,540

2,217,460
2,075,920
1,934,380
1,792,840
1,651,300
1,509,760
1,368,220
1,226,680
1,085,140

8,492,400

6,369,300

14,861,700

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET B

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
5,065,000
672,000
756,000
720,000
660,000
540,000

8,413,000

POKOK
PINJAMAN
5,065,000
5,737,000
6,493,000
7,213,000
7,873,000
8,413,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

271,825
254,475
237,124
219,774
202,423
185,073
167,722
150,371
133,021

12,492,400
11,104,356
9,716,311
8,328,267
6,940,222
5,552,178
4,164,133
2,776,089
1,388,044
-

506,500
573,700
649,300
721,300
787,300
841,300

4,079,400

1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044

1,873,860
1,665,653
1,457,447
1,249,240
1,041,033
832,827
624,620
416,413
208,207

3,261,904
3,053,698
2,845,491
2,637,284
2,429,078
2,220,871
2,012,664
1,804,458
1,596,251

12,492,400

9,369,300

21,861,700

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET C

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
8,635,000
390,000
330,000
330,000
351,000
351,000

10,387,000

POKOK
PINJAMAN
8,635,000
9,025,000
9,355,000
9,685,000
10,036,000
10,387,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

350,309
327,949
305,589
283,228
260,868
238,508
216,148
193,788
171,428

16,099,300
14,310,489
12,521,678
10,732,867
8,944,056
7,155,244
5,366,433
3,577,622
1,788,811
-

863,500
902,500
935,500
968,500
1,003,600
1,038,700

5,712,300

1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811

2,414,895
2,146,573
1,878,252
1,609,930
1,341,608
1,073,287
804,965
536,643
268,322

4,203,706
3,935,384
3,667,063
3,398,741
3,130,419
2,862,098
2,593,776
2,325,454
2,057,133

16,099,300

12,074,475

28,173,775

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET D

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
9,419,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

15,897,000

POKOK
PINJAMAN
9,419,000
10,731,000
11,887,000
13,007,000
14,067,000
15,897,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

509,119
476,622
444,125
411,628
379,131
346,634
314,137
281,640
249,143

23,397,800
20,798,044
18,198,289
15,598,533
12,998,778
10,399,022
7,799,267
5,199,511
2,599,756
-

941,900
1,073,100
1,188,700
1,300,700
1,406,700
1,589,700

7,500,800

2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756

3,509,670
3,119,707
2,729,743
2,339,780
1,949,817
1,559,853
1,169,890
779,927
389,963

6,109,426
5,719,462
5,329,499
4,939,536
4,549,572
4,159,609
3,769,646
3,379,682
2,989,719

23,397,800

17,548,350

40,946,150

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET E

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
13,269,000
12,300,000
10,500,000
12,100,000
8,000,000
5,400,000

61,569,000

POKOK
PINJAMAN
13,269,000
25,569,000
36,069,000
48,169,000
56,169,000
61,569,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

1,601,693
1,499,457
1,397,221
1,294,985
1,192,750
1,090,514
988,278
886,043
783,807

73,609,700
65,430,844
57,251,989
49,073,133
40,894,278
32,715,422
24,536,567
16,357,711
8,178,856
-

663,450
1,278,450
1,803,450
2,408,450
2,808,450
3,078,450

12,040,700

8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856

11,041,455
9,814,627
8,587,798
7,360,970
6,134,142
4,907,313
3,680,485
2,453,657
1,226,828

19,220,311
17,993,482
16,766,654
15,539,826
14,312,997
13,086,169
11,859,341
10,632,512
9,405,684

73,609,700

55,207,275

128,816,975

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET F

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
19,000,000
7,500,000
7,000,000
7,500,000

41,000,000

POKOK
PINJAMAN
19,000,000
26,500,000
33,500,000
41,000,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

1,022,685
957,407
892,130
826,852
761,574
696,296
631,019
565,741
500,463

47,000,000
41,777,778
36,555,556
31,333,333
26,111,111
20,888,889
15,666,667
10,444,444
5,222,222
-

950,000
1,325,000
1,675,000
2,050,000

6,000,000

5,222,222
5,222,222
5,222,222
5,222,222
5,222,222
5,222,222
5,222,222
5,222,222
5,222,222

7,050,000
6,266,667
5,483,333
4,700,000
3,916,667
3,133,333
2,350,000
1,566,667
783,333

12,272,222
11,488,889
10,705,556
9,922,222
9,138,889
8,355,556
7,572,222
6,788,889
6,005,556

47,000,000

35,250,000

82,250,000

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
8,204,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

14,682,000

POKOK
PINJAMAN
8,204,000
9,516,000
10,672,000
11,792,000
12,852,000
14,682,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

820,400
951,600
1,067,200
1,179,200
1,285,200
1,468,200

6,771,800

4,290,760
4,290,760
4,290,760
4,290,760
4,290,760

3,218,070
2,574,456
1,930,842
1,287,228
643,614

7,508,830
6,865,216
6,221,602
5,577,988
4,934,374

21,453,800

9,654,210

31,108,010

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

625,736
572,101
518,467
464,832
411,198

21,453,800
17,163,040
12,872,280
8,581,520
4,290,760
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
2,565,000
672,000
756,000
720,000
660,000
540,000

5,913,000

POKOK
PINJAMAN
2,565,000
3,237,000
3,993,000
4,713,000
5,373,000
5,913,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

256,500
323,700
399,300
471,300
537,300
591,300

2,579,400

1,698,480
1,698,480
1,698,480
1,698,480
1,698,480

1,273,860
1,019,088
764,316
509,544
254,772

2,972,340
2,717,568
2,462,796
2,208,024
1,953,252

8,492,400

3,821,580

12,313,980

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

247,695
226,464
205,233
184,002
162,771

8,492,400
6,793,920
5,095,440
3,396,960
1,698,480
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
5,065,000
672,000
756,000
720,000
660,000
540,000

8,413,000

POKOK
PINJAMAN
5,065,000
5,737,000
6,493,000
7,213,000
7,873,000
8,413,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

506,500
573,700
649,300
721,300
787,300
841,300

4,079,400

2,498,480
2,498,480
2,498,480
2,498,480
2,498,480

1,873,860
1,499,088
1,124,316
749,544
374,772

4,372,340
3,997,568
3,622,796
3,248,024
2,873,252

12,492,400

5,621,580

18,113,980

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

364,362
333,131
301,900
270,669
239,438

12,492,400
9,993,920
7,495,440
4,996,960
2,498,480
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
8,635,000
390,000
330,000
330,000
351,000
351,000

10,387,000

POKOK
PINJAMAN
8,635,000
9,025,000
9,355,000
9,685,000
10,036,000
10,387,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

863,500
902,500
935,500
968,500
1,003,600
1,038,700

5,712,300

3,219,860
3,219,860
3,219,860
3,219,860
3,219,860

2,414,895
1,931,916
1,448,937
965,958
482,979

5,634,755
5,151,776
4,668,797
4,185,818
3,702,839

16,099,300

7,244,685

23,343,985

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

469,563
429,315
389,066
348,818
308,570

16,099,300
12,879,440
9,659,580
6,439,720
3,219,860
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
9,419,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

15,897,000

POKOK
PINJAMAN
9,419,000
10,731,000
11,887,000
13,007,000
14,067,000
15,897,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

941,900
1,073,100
1,188,700
1,300,700
1,406,700
1,589,700

7,500,800

4,679,560
4,679,560
4,679,560
4,679,560
4,679,560

3,509,670
2,807,736
2,105,802
1,403,868
701,934

8,189,230
7,487,296
6,785,362
6,083,428
5,381,494

23,397,800

10,529,010

33,926,810

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

682,436
623,941
565,447
506,952
448,458

23,397,800
18,718,240
14,038,680
9,359,120
4,679,560
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
13,269,000
12,300,000
10,500,000
12,100,000
8,000,000
5,400,000

61,569,000

POKOK
PINJAMAN
13,269,000
25,569,000
36,069,000
48,169,000
56,169,000
61,569,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

663,450
1,278,450
1,803,450
2,408,450
2,808,450
3,078,450

12,040,700

14,721,940
14,721,940
14,721,940
14,721,940
14,721,940

11,041,455
8,833,164
6,624,873
4,416,582
2,208,291

25,763,395
23,555,104
21,346,813
19,138,522
16,930,231

73,609,700

33,124,365

106,734,065

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

2,146,950
1,962,925
1,778,901
1,594,877
1,410,853

73,609,700
58,887,760
44,165,820
29,443,880
14,721,940
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
13,269,000
12,300,000
10,500,000
12,100,000
8,000,000
5,400,000

61,569,000

POKOK
PINJAMAN
13,269,000
25,569,000
36,069,000
48,169,000
56,169,000
61,569,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

663,450
1,278,450
1,803,450
2,408,450
2,808,450
3,078,450

12,040,700

14,721,940
14,721,940
14,721,940
14,721,940
14,721,940

11,041,455
8,833,164
6,624,873
4,416,582
2,208,291

25,763,395
23,555,104
21,346,813
19,138,522
16,930,231

73,609,700

33,124,365

106,734,065

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

2,146,950
1,962,925
1,778,901
1,594,877
1,410,853

73,609,700
58,887,760
44,165,820
29,443,880
14,721,940
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
9,426,000
2,460,000
1,936,000
2,087,000
1,829,000
2,623,000

20,361,000

POKOK
PINJAMAN
9,426,000
11,886,000
13,822,000
15,909,000
17,738,000
20,361,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

637,007
596,347
555,687
515,027
474,367
433,707
393,047
352,387
311,727

29,275,200
26,022,400
22,769,600
19,516,800
16,264,000
13,011,200
9,758,400
6,505,600
3,252,800
-

942,600
1,188,600
1,382,200
1,590,900
1,773,800
2,036,100

8,914,200

3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800
3,252,800

4,391,280
3,903,360
3,415,440
2,927,520
2,439,600
1,951,680
1,463,760
975,840
487,920

7,644,080
7,156,160
6,668,240
6,180,320
5,692,400
5,204,480
4,716,560
4,228,640
3,740,720

29,275,200

21,956,400

51,231,600

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET A

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
2,565,000
672,000
756,000
720,000
660,000
540,000

5,913,000

POKOK
PINJAMAN
2,565,000
3,237,000
3,993,000
4,713,000
5,373,000
5,913,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

184,788
172,993
161,198
149,403
137,608
125,813
114,018
102,223
90,428

8,492,400
7,548,800
6,605,200
5,661,600
4,718,000
3,774,400
2,830,800
1,887,200
943,600
-

256,500
323,700
399,300
471,300
537,300
591,300

2,579,400

943,600
943,600
943,600
943,600
943,600
943,600
943,600
943,600
943,600

1,273,860
1,132,320
990,780
849,240
707,700
566,160
424,620
283,080
141,540

2,217,460
2,075,920
1,934,380
1,792,840
1,651,300
1,509,760
1,368,220
1,226,680
1,085,140

8,492,400

6,369,300

14,861,700

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET B

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
5,065,000
672,000
756,000
720,000
660,000
540,000

8,413,000

POKOK
PINJAMAN
5,065,000
5,737,000
6,493,000
7,213,000
7,873,000
8,413,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

271,825
254,475
237,124
219,774
202,423
185,073
167,722
150,371
133,021

12,492,400
11,104,356
9,716,311
8,328,267
6,940,222
5,552,178
4,164,133
2,776,089
1,388,044
-

506,500
573,700
649,300
721,300
787,300
841,300

4,079,400

1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044
1,388,044

1,873,860
1,665,653
1,457,447
1,249,240
1,041,033
832,827
624,620
416,413
208,207

3,261,904
3,053,698
2,845,491
2,637,284
2,429,078
2,220,871
2,012,664
1,804,458
1,596,251

12,492,400

9,369,300

21,861,700

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET C

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
8,635,000
390,000
330,000
330,000
351,000
351,000

10,387,000

POKOK
PINJAMAN
8,635,000
9,025,000
9,355,000
9,685,000
10,036,000
10,387,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

350,309
327,949
305,589
283,228
260,868
238,508
216,148
193,788
171,428

16,099,300
14,310,489
12,521,678
10,732,867
8,944,056
7,155,244
5,366,433
3,577,622
1,788,811
-

863,500
902,500
935,500
968,500
1,003,600
1,038,700

5,712,300

1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811
1,788,811

2,414,895
2,146,573
1,878,252
1,609,930
1,341,608
1,073,287
804,965
536,643
268,322

4,203,706
3,935,384
3,667,063
3,398,741
3,130,419
2,862,098
2,593,776
2,325,454
2,057,133

16,099,300

12,074,475

28,173,775

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET D

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
9,419,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

15,897,000

POKOK
PINJAMAN
9,419,000
10,731,000
11,887,000
13,007,000
14,067,000
15,897,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

509,119
476,622
444,125
411,628
379,131
346,634
314,137
281,640
249,143

23,397,800
20,798,044
18,198,289
15,598,533
12,998,778
10,399,022
7,799,267
5,199,511
2,599,756
-

941,900
1,073,100
1,188,700
1,300,700
1,406,700
1,589,700

7,500,800

2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756
2,599,756

3,509,670
3,119,707
2,729,743
2,339,780
1,949,817
1,559,853
1,169,890
779,927
389,963

6,109,426
5,719,462
5,329,499
4,939,536
4,549,572
4,159,609
3,769,646
3,379,682
2,989,719

23,397,800

17,548,350

40,946,150

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

PAKET E

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PENARIKAN
KREDIT
13,269,000
12,300,000
10,500,000
12,100,000
8,000,000
5,400,000

61,569,000

POKOK
PINJAMAN
13,269,000
25,569,000
36,069,000
48,169,000
56,169,000
61,569,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN
PER BULAN

SISA POKOK
+ IDC

1,601,693
1,499,457
1,397,221
1,294,985
1,192,750
1,090,514
988,278
886,043
783,807

73,609,700
65,430,844
57,251,989
49,073,133
40,894,278
32,715,422
24,536,567
16,357,711
8,178,856
-

663,450
1,278,450
1,803,450
2,408,450
2,808,450
3,078,450

12,040,700

8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856
8,178,856

11,041,455
9,814,627
8,587,798
7,360,970
6,134,142
4,907,313
3,680,485
2,453,657
1,226,828

19,220,311
17,993,482
16,766,654
15,539,826
14,312,997
13,086,169
11,859,341
10,632,512
9,405,684

73,609,700

55,207,275

128,816,975

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
8,204,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

14,682,000

POKOK
PINJAMAN
8,204,000
9,516,000
10,672,000
11,792,000
12,852,000
14,682,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

820,400
951,600
1,067,200
1,179,200
1,285,200
1,468,200

6,771,800

4,290,760
4,290,760
4,290,760
4,290,760
4,290,760

3,218,070
2,574,456
1,930,842
1,287,228
643,614

7,508,830
6,865,216
6,221,602
5,577,988
4,934,374

21,453,800

9,654,210

31,108,010

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

625,736
572,101
518,467
464,832
411,198

21,453,800
17,163,040
12,872,280
8,581,520
4,290,760
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
2,565,000
672,000
756,000
720,000
660,000
540,000

5,913,000

POKOK
PINJAMAN
2,565,000
3,237,000
3,993,000
4,713,000
5,373,000
5,913,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

256,500
323,700
399,300
471,300
537,300
591,300

2,579,400

1,698,480
1,698,480
1,698,480
1,698,480
1,698,480

1,273,860
1,019,088
764,316
509,544
254,772

2,972,340
2,717,568
2,462,796
2,208,024
1,953,252

8,492,400

3,821,580

12,313,980

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

247,695
226,464
205,233
184,002
162,771

8,492,400
6,793,920
5,095,440
3,396,960
1,698,480
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
5,065,000
672,000
756,000
720,000
660,000
540,000

8,413,000

POKOK
PINJAMAN
5,065,000
5,737,000
6,493,000
7,213,000
7,873,000
8,413,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

506,500
573,700
649,300
721,300
787,300
841,300

4,079,400

2,498,480
2,498,480
2,498,480
2,498,480
2,498,480

1,873,860
1,499,088
1,124,316
749,544
374,772

4,372,340
3,997,568
3,622,796
3,248,024
2,873,252

12,492,400

5,621,580

18,113,980

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

364,362
333,131
301,900
270,669
239,438

12,492,400
9,993,920
7,495,440
4,996,960
2,498,480
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
8,635,000
390,000
330,000
330,000
351,000
351,000

10,387,000

POKOK
PINJAMAN
8,635,000
9,025,000
9,355,000
9,685,000
10,036,000
10,387,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

863,500
902,500
935,500
968,500
1,003,600
1,038,700

5,712,300

3,219,860
3,219,860
3,219,860
3,219,860
3,219,860

2,414,895
1,931,916
1,448,937
965,958
482,979

5,634,755
5,151,776
4,668,797
4,185,818
3,702,839

16,099,300

7,244,685

23,343,985

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

469,563
429,315
389,066
348,818
308,570

16,099,300
12,879,440
9,659,580
6,439,720
3,219,860
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
9,419,000
1,312,000
1,156,000
1,120,000
1,060,000
1,830,000

15,897,000

POKOK
PINJAMAN
9,419,000
10,731,000
11,887,000
13,007,000
14,067,000
15,897,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

941,900
1,073,100
1,188,700
1,300,700
1,406,700
1,589,700

7,500,800

4,679,560
4,679,560
4,679,560
4,679,560
4,679,560

3,509,670
2,807,736
2,105,802
1,403,868
701,934

8,189,230
7,487,296
6,785,362
6,083,428
5,381,494

23,397,800

10,529,010

33,926,810

*) Talangan bunga selama kebun belum berproduksi, suku bunga 10 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

682,436
623,941
565,447
506,952
448,458

23,397,800
18,718,240
14,038,680
9,359,120
4,679,560
-

SIMULASI PERHITUNGAN KREDIT PROGRAM REVITALISASI PERKEBUNAN NON KEMITRAAN

THN
0
1
2
3
4
5
6
7
8
9
10

PENARIKAN
KREDIT
13,269,000
12,300,000
10,500,000
12,100,000
8,000,000
5,400,000

61,569,000

POKOK
PINJAMAN
13,269,000
25,569,000
36,069,000
48,169,000
56,169,000
61,569,000

IDC *)

ANGSURAN PER TAHUN

POKOK
BUNGA **)
JUMLAH

ANGSURAN SISA POKOK

PER BULAN
+ IDC

663,450
1,278,450
1,803,450
2,408,450
2,808,450
3,078,450

12,040,700

14,721,940
14,721,940
14,721,940
14,721,940
14,721,940

11,041,455
8,833,164
6,624,873
4,416,582
2,208,291

25,763,395
23,555,104
21,346,813
19,138,522
16,930,231

73,609,700

33,124,365

106,734,065

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

2,146,950
1,962,925
1,778,901
1,594,877
1,410,853

73,609,700
58,887,760
44,165,820
29,443,880
14,721,940
-

Plafond Kredit Berdasarkan SK Dirjen Bun

Kegiatan
Per tahun Luas
Tanam
0
1
2
3

1
1
1
1

Angsuran Per Tahun

Penarikan
Kredit

Pokok
Pinjaman

19,000,000
7,500,000
7,000,000
7,500,000

19,000,000
26,500,000
33,500,000
41,000,000

41,000,000

(IDC*)

Pokok

Bunga **)

Angsuran
Perbulan

Jumlah

950,000
1,325,000
1,675,000
2,050,000

6,000,000

7,833,333
7,833,333
7,833,333
7,833,333
7,833,333
7,833,333

7,050,000
5,875,000
4,700,000
3,525,000
2,350,000
1,175,000

14,883,333
13,708,333
12,533,333
11,358,333
10,183,333
9,008,333

47,000,000

24,675,000

71,675,000

Biaya Per Ha 41.000.000

*) Talangan bunga selama kebun belum berproduksi, suku bunga 5 % per tahun.
**) Suku bunga komersial, diasumsikan sebesar 15 % per tahun.

1,240,278
1,142,361
1,044,444
946,528
848,611
750,694

Sisa Pokok +
IDC

47,000,000
39,166,667
31,333,333
23,500,000
15,666,667
7,833,333
-

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Rata-rata Jumlah Pokok Kelapa Sawit Per Ha

134 Batang
134
Berat Rata-rata TBS
Pelunasan
4 Kg
134
1
5 Kg
134
2
6 Kg
134
3
7 Kg
134
4
8 Kg
134
5
9 Kg
134
6
10 Kg
134
7
11 Kg
134
8
12 Kg
134
9
13 Kg
134
10
14 Kg
134
11
15 Kg
134
12
16 Kg
134
13
17 Kg
134
14
18 Kg
134
15
19 Kg
134
16
20 Kg
134
17
21 Kg
134
18
22 Kg
134
19
24 Kg
134
20
26 Kg
134
21
28 Kg
134
22

Hasil/Kg/bln Harga rata2 (Rp) Jumlah

536
800
428,800
670
800
536,000
804
800
643,200
938
800
750,400
1,072
800
857,600
1,206
800
964,800
1,340
800
1,072,000
1,474
800
1,179,200
1,608
800
1,286,400
1,742
800
1,393,600
1,876
900
1,688,400
2,010
900
1,809,000
2,144
900
1,929,600
2,278
900
2,050,200
2,412
900
2,170,800
2,546
900
2,291,400
2,680
900
2,412,000
2,814
900
2,532,600
2,948
900
2,653,200
3,216
900
2,894,400
3,484
900
3,135,600
3,752
900
3,376,800

(811,478)
(606,361)
(401,244)
(196,128)
8,989
214,106
1,072,000
1,179,200