JADWAL ANGSURAN EFFEKTIF / SETARA FLAT

Nama Debitur Pinjaman Pokok

Suku Bunga effektif 18.100% % per eff p.a Angsuran/bulan
Jangka Waktu 120 bulan

Angsuran Pokok Jumlah Angsuran Angsuran Pokok Angsuran Bunga

ke Rp Rp Rp Rp
0 200,000,000.00 0.00 0.00 0.00
1 200,000,000.00 3,616,589.78 599,923.11 3,016,666.67
2 199,400,076.89 3,616,589.78 608,971.95 3,007,617.83
3 198,791,104.94 3,616,589.78 618,157.28 2,998,432.50
4 198,172,947.66 3,616,589.78 627,481.15 2,989,108.63
5 197,545,466.51 3,616,589.78 636,945.66 2,979,644.12
6 196,908,520.85 3,616,589.78 646,552.92 2,970,036.86
7 196,261,967.93 3,616,589.78 656,305.09 2,960,284.68
8 195,605,662.83 3,616,589.78 666,204.36 2,950,385.41
9 194,939,458.47 3,616,589.78 676,252.95 2,940,336.83
10 194,263,205.52 3,616,589.78 686,453.09 2,930,136.68
11 193,576,752.43 3,616,589.78 696,807.10 2,919,782.68
12 192,879,945.33 3,616,589.78 707,317.27 2,909,272.51
13 192,172,628.07 3,616,589.78 717,985.97 2,898,603.81
14 191,454,642.09 3,616,589.78 728,815.59 2,887,774.18
15 190,725,826.50 3,616,589.78 739,808.56 2,876,781.22
16 189,986,017.94 3,616,589.78 750,967.34 2,865,622.44
17 189,235,050.60 3,616,589.78 762,294.43 2,854,295.35
18 188,472,756.17 3,616,589.78 773,792.37 2,842,797.41
19 187,698,963.80 3,616,589.78 785,463.74 2,831,126.04
20 186,913,500.06 3,616,589.78 797,311.15 2,819,278.63
21 186,116,188.90 3,616,589.78 809,337.26 2,807,252.52
22 185,306,851.64 3,616,589.78 821,544.77 2,795,045.01
23 184,485,306.88 3,616,589.78 833,936.40 2,782,653.38
24 183,651,370.48 3,616,589.78 846,514.94 2,770,074.84
25 182,804,855.54 3,616,589.78 859,283.21 2,757,306.57
26 181,945,572.33 3,616,589.78 872,244.06 2,744,345.72
27 181,073,328.27 3,616,589.78 885,400.41 2,731,189.37
28 180,187,927.86 3,616,589.78 898,755.20 2,717,834.58
29 179,289,172.66 3,616,589.78 912,311.42 2,704,278.35
30 178,376,861.24 3,616,589.78 926,072.12 2,690,517.66
31 177,450,789.12 3,616,589.78 940,040.38 2,676,549.40
32 176,510,748.74 3,616,589.78 954,219.32 2,662,370.46
33 175,556,529.42 3,616,589.78 968,612.13 2,647,977.65
34 174,587,917.30 3,616,589.78 983,222.03 2,633,367.75
35 173,604,695.27 3,616,589.78 998,052.29 2,618,537.49
36 172,606,642.98 3,616,589.78 1,013,106.25 2,603,483.53
37 171,593,536.74 3,616,589.78 1,028,387.27 2,588,202.51
38 170,565,149.47 3,616,589.78 1,043,898.77 2,572,691.00
39 169,521,250.70 3,616,589.78 1,059,644.25 2,556,945.53
40 168,461,606.45 3,616,589.78 1,075,627.21 2,540,962.56
41 167,385,979.24 3,616,589.78 1,091,851.26 2,524,738.52
42 166,294,127.98 3,616,589.78 1,108,320.01 2,508,269.76
43 165,185,807.96 3,616,589.78 1,125,037.17 2,491,552.60
44 164,060,770.79 3,616,589.78 1,142,006.49 2,474,583.29
45 162,918,764.30 3,616,589.78 1,159,231.75 2,457,358.03
46 161,759,532.56 3,616,589.78 1,176,716.83 2,439,872.95
47 160,582,815.73 3,616,589.78 1,194,465.64 2,422,124.14
48 159,388,350.09 3,616,589.78 1,212,482.16 2,404,107.61
49 158,175,867.92 3,616,589.78 1,230,770.44 2,385,819.34
50 156,945,097.49 3,616,589.78 1,249,334.56 2,367,255.22
51 155,695,762.93 3,616,589.78 1,268,178.69 2,348,411.09
52 154,427,584.24 3,616,589.78 1,287,307.05 2,329,282.73
53 153,140,277.19 3,616,589.78 1,306,723.93 2,309,865.85
54 151,833,553.26 3,616,589.78 1,326,433.68 2,290,156.10
55 150,507,119.58 3,616,589.78 1,346,440.72 2,270,149.05
56 149,160,678.86 3,616,589.78 1,366,749.54 2,249,840.24
57 147,793,929.32 3,616,589.78 1,387,364.68 2,229,225.10
58 146,406,564.64 3,616,589.78 1,408,290.76 2,208,299.02
59 144,998,273.88 3,616,589.78 1,429,532.48 2,187,057.30
60 143,568,741.40 3,616,589.78 1,451,094.60 2,165,495.18
61 142,117,646.80 3,616,589.78 1,472,981.94 2,143,607.84
62 140,644,664.86 3,616,589.78 1,495,199.42 2,121,390.36
63 139,149,465.45 3,616,589.78 1,517,752.01 2,098,837.77
64 137,631,713.44 3,616,589.78 1,540,644.77 2,075,945.01
65 136,091,068.67 3,616,589.78 1,563,882.83 2,052,706.95
66 134,527,185.85 3,616,589.78 1,587,471.39 2,029,118.39
67 132,939,714.46 3,616,589.78 1,611,415.75 2,005,174.03
68 131,328,298.71 3,616,589.78 1,635,721.27 1,980,868.51
69 129,692,577.43 3,616,589.78 1,660,393.40 1,956,196.38
70 128,032,184.03 3,616,589.78 1,685,437.67 1,931,152.11
71 126,346,746.36 3,616,589.78 1,710,859.69 1,905,730.09
72 124,635,886.68 3,616,589.78 1,736,665.15 1,879,924.62
73 122,899,221.52 3,616,589.78 1,762,859.85 1,853,729.92
74 121,136,361.67 3,616,589.78 1,789,449.66 1,827,140.12
75 119,346,912.01 3,616,589.78 1,816,440.52 1,800,149.26
76 117,530,471.49 3,616,589.78 1,843,838.50 1,772,751.28
77 115,686,632.99 3,616,589.78 1,871,649.73 1,744,940.05
78 113,814,983.26 3,616,589.78 1,899,880.45 1,716,709.33
79 111,915,102.82 3,616,589.78 1,928,536.98 1,688,052.80
80 109,986,565.84 3,616,589.78 1,957,625.74 1,658,964.03
81 108,028,940.10 3,616,589.78 1,987,153.26 1,629,436.51
82 106,041,786.83 3,616,589.78 2,017,126.16 1,599,463.62
83 104,024,660.67 3,616,589.78 2,047,551.15 1,569,038.63
84 101,977,109.53 3,616,589.78 2,078,435.04 1,538,154.74
85 99,898,674.48 3,616,589.78 2,109,784.77 1,506,805.01
86 97,788,889.71 3,616,589.78 2,141,607.36 1,474,982.42
87 95,647,282.35 3,616,589.78 2,173,909.94 1,442,679.84
88 93,473,372.42 3,616,589.78 2,206,699.74 1,409,890.03
89 91,266,672.68 3,616,589.78 2,239,984.13 1,376,605.65
90 89,026,688.54 3,616,589.78 2,273,770.56 1,342,819.22
 91 86,752,917.98 3,616,589.78 2,308,066.60 1,308,523.18
92 84,444,851.39 3,616,589.78 2,342,879.94 1,273,709.84
93 82,101,971.45 3,616,589.78 2,378,218.38 1,238,371.40
94 79,723,753.08 3,616,589.78 2,414,089.84 1,202,499.94
95 77,309,663.24 3,616,589.78 2,450,502.36 1,166,087.42
96 74,859,160.88 3,616,589.78 2,487,464.10 1,129,125.68
97 72,371,696.78 3,616,589.78 2,524,983.35 1,091,606.43
98 69,846,713.43 3,616,589.78 2,563,068.52 1,053,521.26
99 67,283,644.91 3,616,589.78 2,601,728.13 1,014,861.64
100 64,681,916.78 3,616,589.78 2,640,970.87 975,618.91
101 62,040,945.91 3,616,589.78 2,680,805.51 935,784.27
102 59,360,140.40 3,616,589.78 2,721,240.99 895,348.78
103 56,638,899.41 3,616,589.78 2,762,286.38 854,303.40
104 53,876,613.03 3,616,589.78 2,803,950.86 812,638.91
105 51,072,662.17 3,616,589.78 2,846,243.79 770,345.99
106 48,226,418.38 3,616,589.78 2,889,174.63 727,415.14
107 45,337,243.74 3,616,589.78 2,932,753.02 683,836.76
108 42,404,490.72 3,616,589.78 2,976,988.71 639,601.07
109 39,427,502.01 3,616,589.78 3,021,891.62 594,698.16
110 36,405,610.39 3,616,589.78 3,067,471.82 549,117.96
111 33,338,138.57 3,616,589.78 3,113,739.52 502,850.26
112 30,224,399.05 3,616,589.78 3,160,705.09 455,884.69
113 27,063,693.96 3,616,589.78 3,208,379.06 408,210.72
114 23,855,314.90 3,616,589.78 3,256,772.11 359,817.67
115 20,598,542.79 3,616,589.78 3,305,895.09 310,694.69
116 17,292,647.70 3,616,589.78 3,355,759.01 260,830.77
117 13,936,888.69 3,616,589.78 3,406,375.04 210,214.74
118 10,530,513.65 3,616,589.78 3,457,754.53 158,835.25
119 7,072,759.12 3,616,589.78 3,509,908.99 106,680.78
120 3,562,850.12 3,616,589.78 3,562,850.12 53,739.66
121 0.00 3,616,589.78 3,616,589.78 0.00
122 0.00 0.00 0.00 0.00
123 0.00 0.00 0.00 0.00
124 0.00 0.00 0.00 0.00
125 0.00 0.00 0.00 0.00
126 0.00 0.00 0.00 0.00
127 0.00 0.00 0.00 0.00
128 0.00 0.00 0.00 0.00
129 0.00 0.00 0.00 0.00
130 0.00 0.00 0.00 0.00
131 0.00 0.00 0.00 0.00
132 0.00 0.00 0.00 0.00
133 0.00 0.00 0.00 0.00
134 0.00 0.00 0.00 0.00
135 0.00 0.00 0.00 0.00
136 0.00 0.00 0.00 0.00
137 0.00 0.00 0.00 0.00
138 0.00 0.00 0.00 0.00
139 0.00 0.00 0.00 0.00
140 0.00 0.00 0.00 0.00
141 0.00 0.00 0.00 0.00
142 0.00 0.00 0.00 0.00
143 0.00 0.00 0.00 0.00
144 0.00 0.00 0.00 0.00
145 0.00 0.00 0.00 0.00
146 0.00 0.00 0.00 0.00
147 0.00 0.00 0.00 0.00
148 0.00 0.00 0.00 0.00
149 0.00 0.00 0.00 0.00
150 0.00 0.00 0.00 0.00
151 0.00 0.00 0.00 0.00
152 0.00 0.00 0.00 0.00
153 0.00 0.00 0.00 0.00
154 0.00 0.00 0.00 0.00
155 0.00 0.00 0.00 0.00
156 0.00 0.00 0.00 0.00
157 0.00 0.00 0.00 0.00
158 0.00 0.00 0.00 0.00
159 0.00 0.00 0.00 0.00
160 0.00 0.00 0.00 0.00
161 0.00 0.00 0.00 0.00
162 0.00 0.00 0.00 0.00
163 0.00 0.00 0.00 0.00
164 0.00 0.00 0.00 0.00
165 0.00 0.00 0.00 0.00
166 0.00 0.00 0.00 0.00
167 0.00 0.00 0.00 0.00
168 0.00 0.00 0.00 0.00
169 0.00 0.00 0.00 0.00
170 0.00 0.00 0.00 0.00
171 0.00 0.00 0.00 0.00
172 0.00 0.00 0.00 0.00
173 0.00 0.00 0.00 0.00
174 0.00 0.00 0.00 0.00
175 0.00 0.00 0.00 0.00
176 0.00 0.00 0.00 0.00
177 0.00 0.00 0.00 0.00
178 0.00 0.00 0.00 0.00
179 0.00 0.00 0.00 0.00
180 0.00 0.00 0.00 0.00
T

200,000,000
3,616,589.78

Baki Debet
Rp
200,000,000.00
199,400,076.89
198,791,104.94
198,172,947.66
197,545,466.51
196,908,520.85
196,261,967.93
195,605,662.83
194,939,458.47
194,263,205.52
193,576,752.43
192,879,945.33
192,172,628.07
191,454,642.09
190,725,826.50
189,986,017.94
189,235,050.60
188,472,756.17
187,698,963.80
186,913,500.06
186,116,188.90
185,306,851.64
184,485,306.88
183,651,370.48
182,804,855.54
181,945,572.33
181,073,328.27
180,187,927.86
179,289,172.66
178,376,861.24
177,450,789.12
176,510,748.74
175,556,529.42
174,587,917.30
173,604,695.27
172,606,642.98
171,593,536.74
170,565,149.47
169,521,250.70
168,461,606.45
167,385,979.24
166,294,127.98
165,185,807.96
164,060,770.79
162,918,764.30
161,759,532.56
160,582,815.73
159,388,350.09
158,175,867.92
156,945,097.49
155,695,762.93
154,427,584.24
153,140,277.19
151,833,553.26
150,507,119.58
149,160,678.86
147,793,929.32
146,406,564.64
144,998,273.88
143,568,741.40
142,117,646.80
140,644,664.86
139,149,465.45
137,631,713.44
136,091,068.67
134,527,185.85
132,939,714.46
131,328,298.71
129,692,577.43
128,032,184.03
126,346,746.36
124,635,886.68
122,899,221.52
121,136,361.67
119,346,912.01
117,530,471.49
115,686,632.99
113,814,983.26
111,915,102.82
109,986,565.84
108,028,940.10
106,041,786.83
104,024,660.67
101,977,109.53
99,898,674.48
97,788,889.71
95,647,282.35
93,473,372.42
91,266,672.68
89,026,688.54
86,752,917.98
84,444,851.39
82,101,971.45
79,723,753.08
77,309,663.24
74,859,160.88
72,371,696.78
69,846,713.43
67,283,644.91
64,681,916.78
62,040,945.91
59,360,140.40
56,638,899.41
53,876,613.03
51,072,662.17
48,226,418.38
45,337,243.74
42,404,490.72
39,427,502.01
36,405,610.39
33,338,138.57
30,224,399.05
27,063,693.96
23,855,314.90
20,598,542.79
17,292,647.70
13,936,888.69
10,530,513.65
7,072,759.12
3,562,850.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
 SIMULASI
Besar Kredit
12 24 36 48
5,000,000.00 457,211.02 248,414.24 179,510.33 146,613.86
10,000,000.00 914,422.04 496,828.48 359,020.66 293,227.71
15,000,000.00 1,371,633.06 745,242.72 538,530.99 439,841.57
20,000,000.00 1,828,844.09 993,656.96 718,041.32 586,455.42
25,000,000.00 2,286,055.11 1,242,071.20 897,551.65 733,069.28
30,000,000.00 2,743,266.13 1,490,485.44 1,077,061.98 879,683.13
35,000,000.00 3,200,477.15 1,738,899.68 1,256,572.31 1,026,296.99
40,000,000.00 3,657,688.17 1,987,313.92 1,436,082.64 1,172,910.84
45,000,000.00 4,114,899.19 2,235,728.16 1,615,592.97 1,319,524.70
50,000,000.00 4,572,110.21 2,484,142.40 1,795,103.29 1,466,138.55
55,000,000.00 5,029,321.24 2,732,556.64 1,974,613.62 1,612,752.41
60,000,000.00 5,486,532.26 2,980,970.88 2,154,123.95 1,759,366.26
65,000,000.00 5,943,743.28 3,229,385.11 2,333,634.28 1,905,980.12
70,000,000.00 6,400,954.30 3,477,799.35 2,513,144.61 2,052,593.97
75,000,000.00 6,858,165.32 3,726,213.59 2,692,654.94 2,199,207.83
80,000,000.00 7,315,376.34 3,974,627.83 2,872,165.27 2,345,821.68
85,000,000.00 7,772,587.37 4,223,042.07 3,051,675.60 2,492,435.54
90,000,000.00 8,229,798.39 4,471,456.31 3,231,185.93 2,639,049.39
95,000,000.00 8,687,009.41 4,719,870.55 3,410,696.26 2,785,663.25
100,000,000.00 9,144,220.43 4,968,284.79 3,590,206.59 2,932,277.10
150,000,000.00 13,716,330.64 7,452,427.19 5,385,309.88 4,398,415.66
200,000,000.00 18,288,440.86 9,936,569.58 7,180,413.18 5,864,554.21
250,000,000.00 22,860,551.07 12,420,711.98 8,975,516.47 7,330,692.76
300,000,000.00 27,432,661.29 14,904,854.38 10,770,619.77 8,796,831.31
350,000,000.00 32,004,771.50 17,388,996.77 12,565,723.06 10,262,969.86
400,000,000.00 36,576,881.72 19,873,139.17 14,360,826.36 11,729,108.42
450,000,000.00 41,148,991.93 22,357,281.56 16,155,929.65 13,195,246.97
500,000,000.00 45,721,102.15 24,841,423.96 17,951,032.95 14,661,385.52
 SIMULASI ANGSURAN BUNGA EFEKTIF KSM
Jangka Waktu (Bulan)
60 72 84 96 108 120
126,695.29 115,456.77 106,559.60 100,137.20 95,354.08 91,708.27
253,390.59 230,913.54 213,119.19 200,274.41 190,708.15 183,416.54
380,085.88 346,370.31 319,678.79 300,411.61 286,062.23 275,124.81
506,781.18 461,827.09 426,238.38 400,548.82 381,416.31 366,833.08
633,476.47 577,283.86 532,797.98 500,686.02 476,770.38 458,541.35
760,171.77 692,740.63 639,357.58 600,823.23 572,124.46 550,249.62
886,867.06 808,197.40 745,917.17 700,960.43 667,478.54 641,957.89
1,013,562.36 923,654.17 852,476.77 801,097.64 762,832.61 733,666.16
1,140,257.65 1,039,110.94 959,036.36 901,234.84 858,186.69 825,374.43
1,266,952.95 1,154,567.71 1,065,595.96 1,001,372.05 953,540.77 917,082.70
1,393,648.24 1,270,024.48 1,172,155.56 1,101,509.25 1,048,894.84 1,008,790.97
1,520,343.54 1,385,481.26 1,278,715.15 1,201,646.46 1,144,248.92 1,100,499.24
1,647,038.83 1,500,938.03 1,385,274.75 1,301,783.66 1,239,603.00 1,192,207.52
1,773,734.13 1,616,394.80 1,491,834.34 1,401,920.87 1,334,957.07 1,283,915.79
1,900,429.42 1,731,851.57 1,598,393.94 1,502,058.07 1,430,311.15 1,375,624.06
2,027,124.72 1,847,308.34 1,704,953.54 1,602,195.28 1,525,665.23 1,467,332.33
2,153,820.01 1,962,765.11 1,811,513.13 1,702,332.48 1,621,019.30 1,559,040.60
2,280,515.31 2,078,221.88 1,918,072.73 1,802,469.69 1,716,373.38 1,650,748.87
2,407,210.60 2,193,678.65 2,024,632.32 1,902,606.89 1,811,727.46 1,742,457.14
2,533,905.90 2,309,135.43 2,131,191.92 2,002,744.10 1,907,081.53 1,834,165.41
3,800,858.85 3,463,703.14 3,196,787.88 3,004,116.14 2,860,622.30 2,751,248.11
5,067,811.80 4,618,270.85 4,262,383.84 4,005,488.19 3,814,163.07 3,668,330.82
6,334,764.75 5,772,838.56 5,327,979.80 5,006,860.24 4,767,703.84 4,585,413.52
7,601,717.70 6,927,406.28 6,393,575.76 6,008,232.29 5,721,244.60 5,502,496.22
8,868,670.65 8,081,973.99 7,459,171.72 7,009,604.33 6,674,785.37 6,419,578.93
10,135,623.60 9,236,541.70 8,524,767.68 8,010,976.38 7,628,326.14 7,336,661.63
11,402,576.55 10,391,109.42 9,590,363.64 9,012,348.43 8,581,866.91 8,253,744.34
12,669,529.50 11,545,677.13 10,655,959.60 10,013,720.48 9,535,407.67 9,170,827.04
 132 144 156 168 180
86,890.61 84,617.59 82,804.09 81,344.53 80,161.57
173,781.23 169,235.18 165,608.18 162,689.07 160,323.14
260,671.84 253,852.78 248,412.27 244,033.60 240,484.71
347,562.46 338,470.37 331,216.36 325,378.13 320,646.28
434,453.07 423,087.96 414,020.45 406,722.67 400,807.86
521,343.69 507,705.55 496,824.54 488,067.20 480,969.43
608,234.30 592,323.15 579,628.63 569,411.73 561,131.00
695,124.92 676,940.74 662,432.72 650,756.27 641,292.57
782,015.53 761,558.33 745,236.81 732,100.80 721,454.14
868,906.15 846,175.92 828,040.91 813,445.33 801,615.71
955,796.76 930,793.52 910,845.00 894,789.87 881,777.28
1,042,687.37 1,015,411.11 993,649.09 976,134.40 961,938.85
1,129,577.99 1,100,028.70 1,076,453.18 1,057,478.93 1,042,100.42
1,216,468.60 1,184,646.29 1,159,257.27 1,138,823.47 1,122,262.00
1,303,359.22 1,269,263.89 1,242,061.36 1,220,168.00 1,202,423.57
1,390,249.83 1,353,881.48 1,324,865.45 1,301,512.53 1,282,585.14
1,477,140.45 1,438,499.07 1,407,669.54 1,382,857.07 1,362,746.71
1,564,031.06 1,523,116.66 1,490,473.63 1,464,201.60 1,442,908.28
1,650,921.68 1,607,734.25 1,573,277.72 1,545,546.14 1,523,069.85
1,737,812.29 1,692,351.85 1,656,081.81 1,626,890.67 1,603,231.42
2,606,718.44 2,538,527.77 2,484,122.72 2,440,336.00 2,404,847.13
3,475,624.58 3,384,703.69 3,312,163.62 3,253,781.34 3,206,462.85
4,344,530.73 4,230,879.62 4,140,204.53 4,067,226.67 4,008,078.56
5,213,436.87 5,077,055.54 4,968,245.43 4,880,672.01 4,809,694.27
6,082,343.02 5,923,231.46 5,796,286.34 5,694,117.34 5,611,309.98
6,951,249.17 6,769,407.39 6,624,327.24 6,507,562.67 6,412,925.69
7,820,155.31 7,615,583.31 7,452,368.15 7,321,008.01 7,214,541.40
8,689,061.46 8,461,759.23 8,280,409.05 8,134,453.34 8,016,157.11