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I.

Contoh Skenario:
Target:
Premi/Nasabah 100,000 UP/Nasabah 100,000,000 Discount/nasabah
Rata2 BE/bln: 5 Nasabah/bln 60 Nasabah/thn
Komisi Group/ Agency/Unit:
ME GROUP
LV BP-A BP-B BP-C BP-D BP-E
I 5.00% 5.00% 5.00% 5.00% 5.00%
II 5.00% 5.00% 5.00% 5.00% 5.00%
III 5.00% 5.00% 5.00% 5.00% 5.00%
IV 5.00% 5.00% 5.00% 5.00% 5.00%
V 5.00% 5.00% 5.00% 5.00% 5.00%

I.A. TAHUN PERTAMA: SKENARIO PERTUMBUHAN 25%BP-30%BE


No. POSISI JAN FEB MART APR MEI
1. BP 4 5 6 8 10
2. BE 20 30 45 68 101
3. NASABAH - 250 475 813 1,319
4. ALP - 25,000,000 47,500,000 81,250,000 131,875,000
5. KOMISI - 7,500,000 14,250,000 24,375,000 39,562,500
6. BONUS - 3,750,000 7,125,000 12,187,500 19,781,250
7. ROYALTI - 1,250,000 2,375,000 4,062,500 6,593,750
8. KOMISI/BE - 250,000 316,667 361,111 390,741
9. BONUS/BP - 750,000 1,140,000 1,560,000 2,025,600

I.B. TAHUN KEDUA: SKENARIO PERTUMBUHAN 10%BP - 10%BE


No. POSISI JAN FEB MART APR MEI
1. BP 51 56 62 68 75
2. BE 1,903 2,093 2,303 2,533 2,786
3. NASABAH 18,164 19,981 31,494 44,158 58,088
4. ALP 1,816,448,730 1,998,093,604 3,149,376,108 4,415,786,864 5,808,838,695
5. KOMISI 544,934,619 599,428,081 944,812,833 1,324,736,059 1,742,651,608
6. BONUS 272,467,310 299,714,041 472,406,416 662,368,030 871,325,804
7. ROYALTI 90,822,437 99,904,680 157,468,805 220,789,343 290,441,935
8. KOMISI/BE 286,364 286,364 410,331 523,028 625,480
9. BONUS/BP 5,319,264 5,319,264 7,621,976 9,715,351 11,618,418

I.C. TAHUN KETIGA: SKENARIO PERTUMBUHAN TETAP 10%BP - 10%BE


No. POSISI JAN FEB MART APR MEI
1. BP 161 177 195 214 235
2. BE 5,972 6,569 7,226 7,949 8,744
3. NASABAH 57,008 62,709 98,841 138,586 182,306
4. ALP 5,700,794,241 6,270,873,665 9,884,091,348 13,858,630,799 18,230,624,195
5. KOMISI 1,710,238,272 1,881,262,099 2,965,227,404 4,157,589,240 5,469,187,259
6. BONUS 855,119,136 940,631,050 1,482,613,702 2,078,794,620 2,734,593,629
7. ROYALTI 285,039,712 313,543,683 494,204,567 692,931,540 911,531,210
8. KOMISI/BE 286,364 286,364 410,331 523,028 625,480
9. BONUS/BP 5,319,264 5,319,264 7,621,976 9,715,351 11,618,418
10%

ME AGENCY
BE E F G H I
BE-1 15.00% 15.00% 15.00% 15.00% 15.00%
BE-2 15.00% 15.00% 15.00% 15.00% 15.00%
BE-3 15.00% 15.00% 15.00% 15.00% 15.00%
BE-4 15.00% 15.00% 15.00% 15.00% 15.00%
BE-5 15.00% 15.00% 15.00% 15.00% 15.00%

JUN JUL AGS SEP OKT NOV


12 15 19 24 30 37
152 228 342 513 769 1,153
2,078 3,217 4,926 7,489 11,333 17,100
207,812,500 321,718,750 492,578,125 748,867,188 1,133,300,781 1,709,951,172
62,343,750 96,515,625 147,773,438 224,660,156 339,990,234 512,985,352
31,171,875 48,257,813 73,886,719 112,330,078 169,995,117 256,492,676
10,390,625 16,085,938 24,628,906 37,443,359 56,665,039 85,497,559
410,494 423,663 432,442 438,294 442,196 444,798
2,553,600 3,162,624 3,873,792 4,711,465 5,704,090 6,885,173

JUN JUL AGS SEP OKT NOV


82 91 100 110 121 133
3,065 3,371 3,708 4,079 4,487 4,936
73,412 90,268 108,809 129,205 151,640 176,319
7,341,195,709 9,026,788,424 10,880,940,411 12,920,507,597 15,164,031,501 17,631,907,795
2,202,358,713 2,708,036,527 3,264,282,123 3,876,152,279 4,549,209,450 5,289,572,339
1,101,179,356 1,354,018,264 1,632,141,062 1,938,076,139 2,274,604,725 2,644,786,169
367,059,785 451,339,421 544,047,021 646,025,380 758,201,575 881,595,390
718,618 803,289 880,263 950,239 1,013,854 1,071,685
13,348,480 14,921,263 16,351,066 17,650,887 18,832,542 19,906,774

JUN JUL AGS SEP OKT NOV


259 285 313 345 379 417
9,618 10,580 11,638 12,802 14,082 15,491
230,398 283,299 341,491 405,501 475,912 553,365
23,039,816,931 28,329,928,941 34,149,052,151 40,550,087,683 47,591,226,768 55,336,479,761
6,911,945,079 8,498,978,682 10,244,715,645 12,165,026,305 14,277,368,030 16,600,943,928
3,455,972,540 4,249,489,341 5,122,357,823 6,082,513,152 7,138,684,015 8,300,471,964
1,151,990,847 1,416,496,447 1,707,452,608 2,027,504,384 2,379,561,338 2,766,823,988
718,618 803,289 880,263 950,239 1,013,854 1,071,685
13,348,480 14,921,263 16,351,066 17,650,887 18,832,542 19,906,774
ME UNIT
BE 1 2 3 4
Nasabah-a 30.00% 30.00% 30.00% 30.00%
Nasabah-b 30.00% 30.00% 30.00% 30.00%
Nasabah-c 30.00% 30.00% 30.00% 30.00%
Nasabah-d 30.00% 30.00% 30.00% 30.00%
Nasabah-e 30.00% 30.00% 30.00% 30.00%

DES TOTAL TH-1 POSISI Produksi Per Tahun


47 217 BP 24 BE per BP
1,730 5,150 BE 15 Nasabah per BE
25,749 74,748 NASABAH 747,478,027 Discount Nasabah
2,574,926,758 7,474,780,273 ALP 2,989,912,109.38 Total Asuransi
772,478,027 2,242,434,082 KOMISI
386,239,014 1,121,217,041 BONUS
128,746,338 373,739,014 ROYALTI
446,532 4,356,937 KOMISI/BE 4,484,868,164 Total Marketing
8,294,420 40,660,763 BONUS/BP

DES TOTAL TH-2 POSISI Produksi Per Tahun


146 1,095 BP 37 BE per BP
5,429 40,693 BE 27 Nasabah per BE
203,466 1,105,005 NASABAH 11,050,048,716 Discount Nasabah
20,346,571,720 110,500,487,157 ALP 44,200,194,862.83 Total Asuransi
6,103,971,516 33,150,146,147 KOMISI
3,051,985,758 16,575,073,074 BONUS
1,017,328,586 5,525,024,358 ROYALTI
1,124,259 8,693,772 KOMISI/BE 66,300,292,294 Total Marketing
20,883,349 161,488,637 BONUS/BP

DES TOTAL TH-2 POSISI Produksi Per Tahun


459 3,438 BP 37 BE per BP
17,040 127,713 BE 27 Nasabah per BE
638,563 3,467,979 NASABAH 34,679,786,454 Discount Nasabah
63,856,258,054 346,797,864,535 ALP ### Total Asuransi
19,156,877,416 104,039,359,361 KOMISI
9,578,438,708 52,019,679,680 BONUS
3,192,812,903 17,339,893,227 ROYALTI
1,124,259 8,693,772 KOMISI/BE 208,078,718,721 Total Marketing
20,883,349 161,488,637 BONUS/BP
5
30.00%
30.00%
30.00%
30.00%
30.00%
I. Contoh Skenario:
Target:
Premi/Nasabah 1,000,000 ALP/ Nasabah 12,000,000
Rata2 BE/bln: 1.5 Nasabah/bln 18 Nasabah/thn
Komisi Group/ Agency/Unit:
ME GROUP
LV BP-A BP-B BP-C BP-D BP-E
I 3.91% 3.91% 3.91% 3.91% 3.91%
II 3.91% 3.91% 3.91% 3.91% 3.91%
III 3.91% 3.91% 3.91% 3.91% 3.91%
IV 3.91% 3.91% 3.91% 3.91% 3.91%
V 3.91% 3.91% 3.91% 3.91% 3.91%

I.A. TAHUN PERTAMA: SKENARIO PERTUMBUHAN 20%BP-25%BE


No. POSISI JAN FEB MART APR
1. BP 4 5 6 7
2. BE 12 15 19 23
3. NASABAH - 41 69 104
4. ALP - 40,500,000 68,625,000 103,781,250
5. KOMISI - 9,315,000 15,783,750 23,869,688
6. BONUS - 4,890,375 8,286,469 12,531,586
7. ROYALTI - 1,583,550 2,683,238 4,057,847
8. KOMISI/BE - 621,000 841,800 1,018,440
9. BONUS/BP - 1,018,828 1,438,623 1,813,019

I.B. TAHUN KEDUA: SKENARIO PERTUMBUHAN 10%BP - 10%BE


No. POSISI JAN FEB MART APR
1. BP 33 36 40 44
2. BE 154 169 186 205
3. NASABAH 440 484 763 1,070
4. ALP 440,049,917 484,054,908 762,962,736 1,069,761,347
5. KOMISI 101,211,481 111,332,629 175,481,429 246,045,110
6. BONUS 53,136,027 58,449,630 92,127,750 129,173,683
7. ROYALTI 17,205,952 18,926,547 29,831,843 41,827,669
8. KOMISI/BE 658,636 658,636 943,760 1,202,964
9. BONUS/BP 1,625,334 1,625,334 2,328,942 2,968,586

ROYALTY PER BP:


JUMLAH BP JUMLAH BE NASABAH ALP
LV. SAYA 1 5 120 720,000,000
1 GENERASI I 6 30 660 3,300,000,000
2 GENERASI II 30 150 2,700 8,100,000,000
3 GENERASI III 120 600 9,000 18,000,000,000
4 GENERASI IV 600 2,400 28,800 28,800,000,000
5 GENERASI V 1,095 3,286 26,770 26,769,668,382
216,000,000 RATIO BE:NASABAH = 1:1,5 (THN-1) DAN 1:1,5 (THN-2)

ME AGENCY
BE E F G
BE-1 12.08% 12.08% 12.08%
BE-2 12.08% 12.08% 12.08%
BE-3 12.08% 12.08% 12.08%
BE-4 12.08% 12.08% 12.08%
BE-5 12.08% 12.08% 12.08%

MEI JUN JUL AGS SEP


8 10 12 14 17
29 37 46 57 72
148 203 271 357 464
147,726,563 202,658,203 271,322,754 357,153,442 464,441,803
33,977,109 46,611,387 62,404,233 82,145,292 106,821,615
17,837,982 24,470,978 32,762,223 43,126,278 56,081,348
5,776,109 7,923,936 10,608,720 13,964,700 18,159,674
1,159,752 1,272,802 1,363,241 1,435,593 1,493,474
2,150,606 2,458,584 2,743,001 3,008,938 3,260,682

MEI JUN JUL AGS SEP


48 53 58 64 70
225 247 272 299 329
1,407 1,778 2,187 2,636 3,130
1,407,239,819 1,778,466,138 2,186,815,089 2,635,998,935 3,130,101,166
323,665,158 409,047,212 502,967,470 606,279,755 719,923,268
169,924,208 214,749,786 264,057,922 318,296,871 377,959,716
55,023,077 69,538,026 85,504,470 103,067,558 122,386,956
1,438,604 1,652,821 1,847,565 2,024,604 2,185,550
3,550,080 4,078,711 4,559,285 4,996,170 5,393,338

KOMISI PERKIRAAN PROPORSI ROYALTI/BP PER BP


165,600,000 3% 100% 1,046,694,034 1,046,694,034
759,000,000 6% 50% 523,347,017 87,224,503
1,863,000,000 13% 25% 130,836,754 4,361,225
4,140,000,000 25% 13% 16,354,594 136,288
6,624,000,000 50% 6% 1,022,162 1,704
6,157,023,728 100% 3% 31,943 29
ME UNIT
H I BE 1 2
12.08% 12.08% Nasabah-a 23.00% 23.00%
12.08% 12.08% Nasabah-b 23.00% 23.00%
12.08% 12.08% Nasabah-c 23.00% 23.00%
12.08% 12.08% Nasabah-d 23.00% 23.00%
12.08% 12.08% Nasabah-e 23.00% 23.00%

OKT NOV DES TOTAL TH-1 POSISI


21 25 30 158 BP 4.11
89 112 140 650 BE 6.14
599 766 976 3,997 NASABAH
598,552,254 766,190,317 975,737,896 3,996,689,482 ALP
137,667,018 176,223,773 224,419,716 919,238,581 KOMISI
72,275,185 92,517,481 117,820,351 482,600,255 BONUS
23,403,393 29,958,041 38,151,352 156,270,559 ROYALTI
1,539,780 1,576,824 1,606,459 13,929,164 KOMISI/BE
3,501,854 3,735,522 3,964,301 29,093,958 BONUS/BP

OKT NOV DES TOTAL TH-2 POSISI RASIO


77 85 93 699 BP 4.70
362 399 438 3,286 BE 8.15
3,674 4,271 4,929 26,770 NASABAH
3,673,613,620 4,271,477,319 4,929,127,388 26,769,668,382 ALP
844,931,133 982,439,783 1,133,699,299 6,157,023,728 KOMISI
443,588,845 515,780,886 595,192,132 3,232,437,457 BONUS
143,638,293 167,014,763 192,728,881 1,046,694,034 ROYALTI
2,331,863 2,464,876 2,585,796 19,995,676 KOMISI/BE
5,754,400 6,082,639 6,381,037 49,343,856 BONUS/BP

HIPOTESIS
3% 100% 1,046,694,034
12% 108% 1,126,080,000
30% 67% 703,800,000
67% 30% 316,710,000
108% 12% 129,030,000
100% 3% 28,152,000
3 4 5
23.00% 23.00% 23.00%
23.00% 23.00% 23.00%
23.00% 23.00% 23.00%
23.00% 23.00% 23.00%
23.00% 23.00% 23.00%