Analisa Rate Advance 2014

ANALISA RATE ADVANCE

TENOR 11 17
Uang Muka (Netto) Rp. 2,050,000 Rp. 2,050,000
Administrasi Rp. 500,000 Rp. 500,000
Fiducia Rp. 130,000 Rp. 130,000
Asuransi 0.80% Rp. 80,000 1.14% Rp. 114,000 1.48%
Total Uang Muka 25.50% Rp. 2,550,000 25.50% Rp. 2,550,000 25.50%
RINCIAN PEMBIAYAAN
OTR 3.39% Rp. 10,000,000 3.39% Rp. 10,000,000 3.37%
Uang Muka (Netto) 20.50% Rp. 2,050,000 20.50% Rp. 2,050,000 20.50%
Pokok Hutang 7,950,000 7,950,000
Total Pokok Hutang 81.60% Rp. 8,160,000 81.94% Rp. 8,194,000 82.28%
Bunga 21.46% Rp. 1,751,000 33.20% Rp. 2,720,000 45.36%
Total Piutang Rp. 9,911,000 Rp. 10,914,000
Angsuran / bln Rp. 901,000 Rp. 642,000
RINCIAN BUNGA
Rate Flat / Thn 23.409% 23.432% 23.665%
LANDING RATE 40.663% 40.665% 40.480%
PENCAIRAN 7,450,000 7,450,000
TENOR 11 17
RATE EFF 40.663% 40.665%
21.46% 33.20%
RATE FLAT 23.4090909% 23.4317794%
110.42 78.35

Bunga Berjalan : PH X Flat (0,...) X Hari berjalan / 360

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 Analisa Rate Advance 2014
ISA RATE ADVANCE
23 29 35
Rp. 2,050,000 Rp. 2,050,000 Rp. 2,050,000
Rp. 500,000 Rp. 500,000 Rp. 500,000
Rp. 130,000 Rp. 130,000 Rp. 130,000
Rp. 148,000 1.78% Rp. 178,000 2.08% Rp. 208,000
Rp. 2,550,000 25.50% Rp. 2,550,000 25.50% Rp. 2,550,000
CIAN PEMBIAYAAN
Rp. 10,000,000 3.38% Rp. 10,000,000 3.37% Rp. 10,000,000
Rp. 2,050,000 20.50% Rp. 2,050,000 20.50% Rp. 2,050,000
7,950,000 7,950,000 7,950,000
Rp. 8,228,000 82.58% Rp. 8,258,000 82.88% Rp. 8,288,000
Rp. 3,732,000 58.38% Rp. 4,821,000 71.88% Rp. 5,957,000
Rp. 11,960,000 Rp. 13,079,000 Rp. 14,245,000
Rp. 520,000 Rp. 451,000 Rp. 407,000
INCIAN BUNGA
23.665% 24.157% 24.643%
40.480% 40.519% 40.474%
7,450,000 7,450,000 7,450,000
23 29 35
40.480% 40.519% 40.474%
45.36% 58.38% 71.88%
23.6646869% 24.1571392% 24.6428571%
63.20 54.61 49.11

Resa Pratama
NOTE : DI ISI BAGIAN PUTIH SAJA

Page 2
 Hitung Angsuran Reguler
TENOR 1 thn 1,5 thn 2 thn 2,5 thn 3 thn
Effective Rate: 43.000 43.000 43.000 43.000 41.000
Admin Fee: 875,000 875,000 875,000 875,000 875,000
Insurance Rate: 1.04% 1.46% 1.90% 2.28% 2.64%
Rounding (Pembulatan): 3 3 3 3 3
Advanced/Arrear: 0 0 0 0 0

DAFTAR HARGA KREDIT SEPEDA MOTOR

Gross OTR 22,000,000 Net DP (%)

DP (%) UANG MUKA 12 18 24 26 36 11 17
36.36 8,000,000 1,571,000 ### 961,000 919,000 753,000 34.18 34.18

Pencairan Dealer
14,000,000

DP Nasabah

TOTAL PENCAIRAN
14,000,000 NOTE : DI ISI BAGIAN PUTIH SAJA

Page 3
 Hitung Angsuran Reguler

Net DP (%)
23 29 35
34.18 34.18 34.18

Resa Pratama
: DI ISI BAGIAN PUTIH SAJA

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 Hitung Angsuran Smart
TENOR 1 thn 1,5 thn 2 thn 2,5 thn 3 thn
Effective Rate: 40.000 40.000 40.000 40.000 40.000
Admin Fee: 875,000 875,000 875,000 875,000 875,000
Insurance Rate: 1.04% 1.46% 1.90% 2.28% 2.64%
Rounding (Pembulatan): 3 3 3 3 3
Advanced/Arrear: 0 0 0 0 0

DAFTAR HARGA KREDIT SEPEDA MOTOR

Gross OTR 5,000,000 Net DP (%)

DP (%) UANG MUKA 12 18 24 30 36 12
26.00 1,300,000 475,000 348,000 286,000 250,000 227,000 7.46

Pencairan Dealer
3,700,000

DP (%) UANG MUKA 11 17 23 29 35 11

26.00 1,300,000 510,000 363,000 294,000 255,000 230,000 7.46

TOTAL PENCAIRAN
3,700,000 NOTE : DI ISI BAGIAN PUTIH

Page 5
 Hitung Angsuran Smart

OR

Net DP (%)
18 24 30 36
7.04 6.60 6.22 5.86

17 23 29 35
7.04 6.60 6.22 5.86

Resa Pratama
NOTE : DI ISI BAGIAN PUTIH SAJA

Page 6
 Analisa Rate Genap SMART
ANALISA RATE ARREAR
TENOR 12 18
Uang Muka (Netto) Rp. 2,640,000 Rp. 2,606,000 Rp.
Angsuran I Rp. Rp. Rp.
Administrasi Rp. 630,000 Rp. 630,000 Rp.
Asuransi 0.80% Rp. 80,000 1.14% Rp. 114,000 1.48% Rp.
Total Uang Muka 33.50% Rp. 3,350,000 33.50% Rp. 3,350,000 33.50% Rp.
RINCIAN PEMBIAYAAN
OTR 3.40% Rp. 10,000,000 3.38% Rp. 10,000,000 3.39% Rp.
Uang Muka (Netto) 26.40% Rp. 2,640,000 - 26.06% Rp. 2,606,000 - 25.72% Rp.
Pokok Hutang Rp. 7,360,000 Rp. 7,394,000 Rp.
Bunga 23.42% Rp. 1,724,000 - 35.11% Rp. 2,596,000 - 47.66% Rp.
Total Piutang Rp. 9,084,000 Rp. 9,990,000 Rp.
Angsuran / bln Rp. 757,000 Rp. 555,000 Rp.
RINCIAN BUNGA
Rate Flat / Thn 25.553% 24.783% 24.865%
LANDING RATE 40.755% 40.553% 40.622%
PENCAIRAN 6,650,000 6,650,000
TENOR 12 18
RATE EFF 40.755% 40.553%
23.42% 35.11%
RATE FLAT 23.4239130% 23.4063655%
102.85 75.06

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 Analisa Rate Genap SMART
RATE ARREAR
24 30 36
2,572,000 Rp. 2,542,000 Rp. 2,512,000
Rp. Rp.
630,000 Rp. 630,000 Rp. 630,000
148,000 1.78% Rp. 178,000 2.08% Rp. 208,000
3,350,000 33.50% Rp. 3,350,000 33.50% Rp. 3,350,000
PEMBIAYAAN
10,000,000 3.37% Rp. 10,000,000 3.39% Rp. 10,000,000
2,572,000 - 25.42% Rp. 2,542,000 - 25.12% Rp. 2,512,000 -
7,428,000 Rp. 7,458,000 Rp. 7,488,000
3,540,000 - 60.50% Rp. 4,512,000 - 74.52% Rp. 5,580,000 -
10,968,000 Rp. 11,970,000 Rp. 13,068,000
457,000 Rp. 399,000 Rp. 363,000
AN BUNGA
24.865% 25.034% 25.549%
40.622% 40.458% 40.628%
6,650,000 6,650,000 6,650,000
24 30 36
40.622% 40.458% 40.628%
47.66% 60.50% 74.52%
23.8287561% 24.1995173% 24.8397436%
61.52 53.50 48.48

Resa Pratama
NOTE : DI ISI BAGIAN PUTIH SAJA

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 Analisa Rate Ganjil SMART
ANALISA RATE ADVANCE
TENOR 11 17
Uang Muka (Netto) Rp. 2,640,000 Rp. 2,606,000 Rp.
Angsuran I Rp. Rp. Rp.
Administrasi Rp. 630,000 Rp. 630,000 Rp.
Asuransi 0.80% Rp. 80,000 1.14% Rp. 114,000 1.48% Rp.
Total Uang Muka 33.50% Rp. 3,350,000 33.50% Rp. 3,350,000 33.50% Rp.
RINCIAN PEMBIAYAAN
OTR 3.40% Rp. 10,000,000 3.38% Rp. 10,000,000 3.39% Rp.
Uang Muka (Netto) 26.40% Rp. 2,640,000 - 26.06% Rp. 2,606,000 - 25.72% Rp.
Pokok Hutang Rp. 7,360,000 Rp. 7,394,000 Rp.
Bunga 21.51% Rp. 1,583,000 - 33.12% Rp. 2,449,000 - 45.53% Rp.
Total Piutang Rp. 8,943,000 Rp. 9,843,000 Rp.
Angsuran / bln Rp. 813,000 Rp. 579,000 Rp.
RINCIAN BUNGA
Rate Flat / Thn 23.463% 23.380% 23.755%
LANDING RATE 40.753% 40.582% 40.620%
PENCAIRAN 6,650,000 6,650,000
TENOR 11 17
RATE EFF 40.753% 40.582%
21.51% 33.12%
RATE FLAT 23.4634387% 23.3798469%
110.46 78.31

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 Analisa Rate Ganjil SMART
RATE ADVANCE
23 29 35
2,572,000 Rp. 2,542,000 Rp. 2,512,000
Rp. Rp.
630,000 Rp. 630,000 Rp. 630,000
148,000 1.78% Rp. 178,000 2.08% Rp. 208,000
3,350,000 33.50% Rp. 3,350,000 33.50% Rp. 3,350,000
N PEMBIAYAAN
10,000,000 3.39% Rp. 10,000,000 3.38% Rp. 10,000,000
2,572,000 - 25.42% Rp. 2,542,000 - 25.12% Rp. 2,512,000 -
7,428,000 Rp. 7,458,000 Rp. 7,488,000
3,382,000 - 58.65% Rp. 4,374,000 - 72.01% Rp. 5,392,000 -
10,810,000 Rp. 11,832,000 Rp. 12,880,000
470,000 Rp. 408,000 Rp. 368,000
IAN BUNGA
23.755% 24.268% 24.689%
40.620% 40.685% 40.540%
6,650,000 6,650,000 6,650,000
23 29 35
40.620% 40.685% 40.540%
45.53% 58.65% 72.01%
23.7550046% 24.2683164% 24.6886447%
63.27 54.71 49.15

Resa Pratama
NOTE : DI ISI BAGIAN PUTIH SAJA

Page 10
 Perhitungan Insentif New
INSENTIF CMH Boking Sale REG
KPI Target Actual Achievement Bobot Nilai Realisasi 22
Booking sales 166 115 69.28 57.5% 39.83 Total Realisasi 25
FID Compre 6.00 7.88 68.67 37.5% 25.75 Proporsi 88%
SLS 66 80.00 121.21 5.00% 6.06 Target R 24
Total Nilai 2.5 71.64 Hasil 21.12
PA 2 Achievment 0.92
Max 5 rule 2 FID Compre 5.00%
Insentif 575,000 Target FID 6.00%
Hasil 116.67
INSENTIF CMO Achievment 102.67
KPI Target Actual Achievement Bobot Nilai SLS 80.00%
Realisasi Individu 24 25 104.17 65.0% 67.71 Target SLS 67.00%
FID Individu 6.00 5.00 116.67 25.0% 29.17 Achievment 1.05
SLS 67 80.00 119.40 5.00% 5.97
Booking Brand 166 115 69.28 5.00% 3.46 INSENTIF CMO
Total Nilai 2.5 106.31 KPI Target
PA 5 Realisasi Individu
Max 5 rule 5 FID Individu
Insentif 2,550,000 SLS Individu
Booking Brand 249
NOTE : DI ISI BAGIAN PUTIH SAJA Resa Pratama FID Brand 6.00
SLS Brand 67
Total Nilai
PA
Max 5 rule
Insentif

NOTE : DI ISI BAGIAN PUTIH SAJA

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 Perhitungan Insentif New
SMART
3
25
12% Patokan Hitungan Proporsi
23
2.76
0.13
1.00%
2.00%
150.00
18.00
80.00%
67.00%
0.14

INSENTIF CMO
Actual Achievement Bobot Nilai
dividu 104.71 50.0% 52.36 Jika Dibawah 100% Max PA 5
120.67 32.5% 39.22
119.40 5.00% 5.97
282 113.25 5.00% 5.66 Diambil dari Boking SMART
7.88 0.69 5.00% 3.43 Diambil dari FID Regular
80 1.19 2.50% 2.99 Diambil dari SLS Regular
2.5 109.62
5
5
2,550,000

I BAGIAN PUTIH SAJA Resa Pratama

Page 12
 SMART
SMART
OTR ###
ASURANSI 2.08% 208,000
DP NETT 20.00% 2,000,000 PEMBULATAN
TOTAL DP NETT + ASR 22.08% 2,208,000
ADM + FIDUCIA 875,000
DP GROSS 3,083,000 3,090,000
PINJAMAN 6,917,000 6,910,000

Page 13