Aldhey wahyu pratama(17522137

1. Assume you borrow $50,000 at 10% per year interest and you agree to repay the loan in five
equal annual payments. What is the amount of the unrecovered balance immediately after
you make the third payment?
A = $50.000 (A/P,10%,5)
A = $50.000 (0,2638)
A = $13.190
Beginning Interest on uncovered Ending unrecovered
Year Cash flow Recovered amount
unrecovered balance balance balance
0 $ 50.000,00 $ 50.000,00
1 $ 50.000,00 $ 5.000,00 $ 13.190,00 $ 8.190,00 $ 41.810,00
2 $ 41.810,00 $ 4.181,00 $ 13.190,00 $ 9.009,00 $ 32.801,00
3 $ 32.801,00 $ 3.280,10 $ 13.190,00 $ 9.909,90 $ 22.891,10
4 $ 22.891,10 $ 2.289,11 $ 13.190,00 $ 10.900,89 $ 11.990,21
5 $ 11.990,21 $ 1.199,02 $ 13.190,00 $ 11.990,98
$ 15.949,23 $ 50.000,77

Berdasarkan perhitungan pada tabel diatas dapat diketahui bahwa jumlah saldo yang belum
pulih setelah dilakukan pembayaran ketiga yaitu sebesar $22.891,10

2. Determine the Rate of return of this cash flow!

- 9%
0 = -$3000 - $200 (P/F,9%,2) - $200 (P/F,9%,3) - $200 (P/F,9%,4) - $90 (P/F,9%,6) - $90
(P/F,9%,7) + $6910 (P/F,9%,8)
0 = -$3000 - $200 (0,8417) - $200 (0,7722) - $200 (0,7084) - $90 (0,5963) - $90 (0,5470) +
$6910 (0,5019)
0 > -99,228
- 8%
0 = -$3000 - $200 (P/F,8%,2) - $200 (P/F,8%,3) - $200 (P/F,8%,4) - $90 (P/F,8%,6) - $90
(P/F,8%,7) + $6910 (P/F,8%,8)
0 = -$3000 - $200 (0,8573) - $200 (0,7938) - $200 (0,7350) - $90 (0,6302) - $90 (0,5835) +
$6910 (0,5403)
0 < 146,858
(x−x 1)
Y = Y1 + (Y2 – Y1)
( x 2−x 1)
(0−146,858)
I=9+ (1)
(−99,228−146,858)
 I = 9,59%
Jadi nilai ROR yang memenuhi pada cash flow tersebut yaitu sebesar 9,59%

3. Given the cash flow below, calculate the rate of return on the investment!
Year Cash flow
0 ($100)
1 $20
2 $30
3 $20
4 $40
5 $40
IRR 13,47%
Berdasarkan perhitungan menggunakan rumus IRR pada excel hasil yang didapat yaitu sebesar
13,47%

4. Given the cash flow below, calculate the rate of return on the investment!
Year Cash flow
0 $125
1 ($10)
2 ($20)
3 ($30)
4 ($40)
5 ($50)
6 ($60)

Year Cash flow Trial NPV

0 $ 125,00 8% $ -26,46
1 $ -10,00 9% $ -20,78
2 $ -20,00 10% $ -15,39
3 $ -30,00 11% $ -10,28
4 $ -40,00 12% $ -5,42
5 $ -50,00 13% $ -0,79
6 $ -60,00 14% $ 3,60
IRR 13,18%

Berdasarkan perhitungan menggunakan rumus NPV pada excel didapatkan bahwa nilai ROR
berada diantara 13% dan 14% yaitu sebesar 13,18%