NOMOR 1

Jumlah Cost of Fund RR

Giro 9,000,000 3.50% 9.00%
Tabungan 17,000,000 5.50%
Deposito Berjangka 20,000,000 8%
Obligasi 5,000,000 9.25%
Subordinated Loan 6,000,000 11.05%

JAWABAN BLR
1 Dana Pihak Ketiga
Jumlah Cost of Fund
Giro 9,000,000 3.50% 315,000.00
Tabungan 17,000,000 5.50% 935,000.00
Deposito Berjangka 20,000,000 8.00% 1,600,000.00
Jumlah DPK 46,000,000 2,850,000.00
CoF DPK 6.20%

2 Total Sumber Dana

Jumlah Cost of Fund
Giro 9,000,000 3.50% 315,000.00
Tabungan 17,000,000 5.50% 935,000.00
Deposito Berjangka 20,000,000 8.00% 1,600,000.00
Obligasi 5,000,000 9.25% 462,500.00
Subordinated Loan 6,000,000 11.05% 663,000.00
Total Fund 57,000,000 3,975,500.00
CoF Total Fund 6.97%

3 Loanable Fund
Jumlah RR Cost of Fund Loanable Fund Cost of Fund
Giro 9,000,000 9% 3.50% 8,190,000 315,000
Tabungan 17,000,000 5.50% 15,470,000 935,000
Deposito Berjangka 20,000,000 8.00% 18,200,000 1,600,000
Obligasi 5,000,000 9.25% 4,550,000 462,500
Subordinated Loan 6,000,000 11.05% 5,460,000 663,000
Total LF 51,870,000 3,975,500

CoLF Total Fund 7.66%

4A Spread
Personalia 750,000 Projected Profit 1,900,000
Administrasi & Umum 300,000 Projected Loan 51,870,000
Lain-lain 500,000
Jumlah Biaya OH 1,550,000 Spread 3.66%
Raised Fund (TF) 57,000,000
OH cost 2.72%

4B Provision for Loss

loan loan loss provision
provision loan collectibility (%) amount loan loss
classification (%)
Cadangan Umum 1.5% 778,050.00
Cadangan Khusus:
1. Lancar 88% 45,645,600 0% -
2. Dalam Perhatian 5% 2,593,500 5% 129,675
3. Kurang Lancar 4% 2,074,800 18% 373,464
4. Doubtful 2% 1,037,400 55% 570,570
5. Macet 1% 518,700 100% 518,700
100% 51,870,000 2,370,459
provision 4.57%

4C Base Lending Rate

Cost of Loanable Funds 7.66%
Overhead Cost 2.72%
Cost of Money 10.38%
Spread 3.66%
Cost of Money + spread 14.05%
Tax (34%) on Spread 1.25%
Provision 4.57%
BLR 19.86%
 NOMOR 2
Jumlah Cost of Fund RR
Saving accounts 250,000,000 8.50% 7.00%
Time deposits 500,000,000 10%
Current accounts 350,000,000 4.50%

JAWABAN BLR
1 Total Sumber Dana
Jumlah Cost of Fund
Saving accounts 250,000,000 8.50% 21,250,000.00
Time deposits 500,000,000 10.00% 50,000,000.00
Current accounts 350,000,000 4.50% 15,750,000.00
Total Fund 1,100,000,000 87,000,000.00
CoF Total Fund 7.91%

2 Loanable Fund
Jumlah RR Cost of Fund Loanable Fund Cost of Fund
Saving accounts 250,000,000 7% 8.50% 250,000,000 21,250,000
Time deposits 500,000,000 10.00% 500,000,000 50,000,000
Current accounts 350,000,000 4.50% 350,000,000 15,750,000
Total LF 1,100,000,000 87,000,000

CoLF Total Fund 7.91%

3 Spread
OH cost 5.00% Spread 3.50%

Base Lending Rate

Cost of Loanable Funds 7.91%
Overhead Cost 5.00%
Cost of Money 12.91%
Spread 3.50%
Cost of Money + spread 16.41%
Tax (30%) on Spread 1.05%
Provision 0.00%
BLR 17.46%

Risk premium 6%
Lending rate 23.46%