Nama Muhammad Naufal Fawwaz

NIM 2112070059
Mata Kuliah Manajemen Keuangan Lanjutan
Prodi S1 Manajemen Karyawan Kampus Bekasi 2021
Tanggal 15 Januari 2022
Latihan Amortized Loan
Diketahui:
Seorang pelanggan membeli motor seharga Rp 50 juta secara kredit
Nilai Kredit 50,000,000
Bunga 12% p.a Efektif
1% p.m Efektif
Bunga 9% p.a Flat
0.75% p.m Flat
Jangka Waktu 3 tahun
/Tenor 36 bulan
Jangka waktu angsuran 3 tahun (36 bulan).
Pembayaran angsuran dilakukan setiap bulan.
a. Pilih lebih murah yang mana angsurannya, dengan bunga efektif atau bunga flat
b. Susun schedule amortisasi pinjamannya untuk kedua alternatif bunga.
Jawaban:
Point A
*Perhitungan Angsuran Bunga Efektif *Perhitungan Angsu

Periode (T) PVIF (Monthly) PVIF (Annual)

1 0.9901 0.8929 Principal
2 0.9803 0.7972 Interest Charges
3 0.9706 0.7118 Total Liabilities
4 0.9610 PMT (Installment)
5 0.9515
6 0.9420
7 0.9327
8 0.9235
9 0.9143
10 0.9053
11 0.8963
12 0.8874
13 0.8787
14 0.8700
15 0.8613
16 0.8528
17 0.8444
18 0.8360
19 0.8277
20 0.8195
21 0.8114
22 0.8034
23 0.7954
24 0.7876
25 0.7798
26 0.7720
 27 0.7644
28 0.7568
29 0.7493
30 0.7419
31 0.7346
32 0.7273
33 0.7201
34 0.7130
35 0.7059
36 0.6989
PVIFA 30.11 2.40
Angsuran per
Tahun (PMT) 0 20,817,449
Angsuran per
Bulan (PMT) 1,660,715 1,734,787
Monthly Calculation Annual Calculation

Kesimpulan: Jumlah Angsuran per Bulan (PMT) menggunakan bunga efektif

(1.660.715) lebih murah, jika dibandingkan dengan Jumlah Angsuran per Bulan
(PMT) menggunakan bunga flat (1,763,889)

Point B
Schedule Amortisasi Pinjam
*Bunga Efektif
Periode (T) Total Pmt Interest Pmt Principal Pmt EOY Balance
0 50,000,000
1 1,660,715 500,000 1,160,715 48,839,285
2 1,660,715 488,393 1,172,323 47,666,962
3 1,660,715 476,670 1,184,046 46,482,916
4 1,660,715 464,829 1,195,886 45,287,030
5 1,660,715 452,870 1,207,845 44,079,184
6 1,660,715 440,792 1,219,924 42,859,261
7 1,660,715 428,593 1,232,123 41,627,138
8 1,660,715 416,271 1,244,444 40,382,694
9 1,660,715 403,827 1,256,889 39,125,805
10 1,660,715 391,258 1,269,457 37,856,348
11 1,660,715 378,563 1,282,152 36,574,196
12 1,660,715 365,742 1,294,974 35,279,222
13 1,660,715 352,792 1,307,923 33,971,299
14 1,660,715 339,713 1,321,003 32,650,297
15 1,660,715 326,503 1,334,213 31,316,084
16 1,660,715 313,161 1,347,555 29,968,529
17 1,660,715 299,685 1,361,030 28,607,499
18 1,660,715 286,075 1,374,640 27,232,859
19 1,660,715 272,329 1,388,387 25,844,472
20 1,660,715 258,445 1,402,271 24,442,201
21 1,660,715 244,422 1,416,293 23,025,907
22 1,660,715 230,259 1,430,456 21,595,451
23 1,660,715 215,955 1,444,761 20,150,690
24 1,660,715 201,507 1,459,209 18,691,482
25 1,660,715 186,915 1,473,801 17,217,681
26 1,660,715 172,177 1,488,539 15,729,142
27 1,660,715 157,291 1,503,424 14,225,718
28 1,660,715 142,257 1,518,458 12,707,260
29 1,660,715 127,073 1,533,643 11,173,617
30 1,660,715 111,736 1,548,979 9,624,638
31 1,660,715 96,246 1,564,469 8,060,168
32 1,660,715 80,602 1,580,114 6,480,055
33 1,660,715 64,801 1,595,915 4,884,140
34 1,660,715 48,841 1,611,874 3,272,266
35 1,660,715 32,723 1,627,993 1,644,273
36 1,660,715 16,443 1,644,273 (0)
tized Loan

*Perhitungan Angsuran Bunga Flat

Monthly Calculation Annual Calculation For Amortized Loan Schedule

50,000,000 50,000,000 1,388,889 per month
13,500,000 13,500,000 375,000 per month
63,500,000 63,500,000 1,763,889 per month
1,763,889 21,166,667
dule Amortisasi Pinjaman (Monthly)
*Bunga Flat
Periode (T) Total Pmt Interest Pmt Principal Pmt
0
1 1,763,889 375,000 1,388,889
2 1,763,889 375,000 1,388,889
3 1,763,889 375,000 1,388,889
4 1,763,889 375,000 1,388,889
5 1,763,889 375,000 1,388,889
6 1,763,889 375,000 1,388,889
7 1,763,889 375,000 1,388,889
8 1,763,889 375,000 1,388,889
9 1,763,889 375,000 1,388,889
10 1,763,889 375,000 1,388,889
11 1,763,889 375,000 1,388,889
12 1,763,889 375,000 1,388,889
13 1,763,889 375,000 1,388,889
14 1,763,889 375,000 1,388,889
15 1,763,889 375,000 1,388,889
16 1,763,889 375,000 1,388,889
17 1,763,889 375,000 1,388,889
18 1,763,889 375,000 1,388,889
19 1,763,889 375,000 1,388,889
20 1,763,889 375,000 1,388,889
21 1,763,889 375,000 1,388,889
22 1,763,889 375,000 1,388,889
23 1,763,889 375,000 1,388,889
24 1,763,889 375,000 1,388,889
25 1,763,889 375,000 1,388,889
26 1,763,889 375,000 1,388,889
27 1,763,889 375,000 1,388,889
28 1,763,889 375,000 1,388,889
29 1,763,889 375,000 1,388,889
30 1,763,889 375,000 1,388,889
31 1,763,889 375,000 1,388,889
32 1,763,889 375,000 1,388,889
33 1,763,889 375,000 1,388,889
34 1,763,889 375,000 1,388,889
35 1,763,889 375,000 1,388,889
36 1,763,889 375,000 1,388,889
EOY Balance
50,000,000
48,611,111
47,222,222
45,833,333
44,444,444
43,055,556
41,666,667
40,277,778
38,888,889
37,500,000
36,111,111
34,722,222
33,333,333
31,944,444
30,555,556
29,166,667
27,777,778
26,388,889
25,000,000
23,611,111
22,222,222
20,833,333
19,444,444
18,055,556
16,666,667
15,277,778
13,888,889
12,500,000
11,111,111
9,722,222
8,333,333
6,944,444
5,555,556
4,166,667
2,777,778
1,388,889
0