TGL MULAI 2/1/2017

TGL JATUH TEMPO 2/1/2019

PLAFON 240,000,000.00
JKW 24
SUKU BUNGA 16% flat
AGUNAN (300JT COV 60%) 180,000,000.00
JENIS KREDIT PINJAMAN TETAP
PROVISI (1%) 2,400,000.00

CASE:
DEBITUR AKAN DIRESTRUKTUR PADA POSISI KOLEKTIBILITAS KL TUNGGAKAN KE 4

SIMULASI ANGSURAN SEBELUM RESTRUKTUR

TGL ANGSURAN POKOK ANGSURAN BUNGA KET

0 2/1/2017 240,000,000.00 -
1 3/1/2017 240,000,000.00 3,200,000.00 NUNGGAK
2 4/1/2017 240,000,000.00 3,200,000.00
3 5/1/2017 240,000,000.00 3,200,000.00
4 6/1/2017 240,000,000.00 3,200,000.00
5 7/1/2017 240,000,000.00 3,200,000.00
6 8/1/2017 240,000,000.00 3,200,000.00
7 9/1/2017 240,000,000.00 3,200,000.00
8 10/1/2017 240,000,000.00 3,200,000.00
9 11/1/2017 240,000,000.00 3,200,000.00
10 12/1/2017 240,000,000.00 3,200,000.00
11 1/1/2018 240,000,000.00 3,200,000.00
12 2/1/2018 240,000,000.00 3,200,000.00
13 3/1/2018 240,000,000.00 3,200,000.00
14 4/1/2018 240,000,000.00 3,200,000.00
15 5/1/2018 240,000,000.00 3,200,000.00
16 6/1/2018 240,000,000.00 3,200,000.00
17 7/1/2018 240,000,000.00 3,200,000.00
18 8/1/2018 240,000,000.00 3,200,000.00
19 9/1/2018 240,000,000.00 3,200,000.00
20 10/1/2018 240,000,000.00 3,200,000.00
21 11/1/2018 240,000,000.00 3,200,000.00
22 12/1/2018 240,000,000.00 3,200,000.00
23 1/1/2019 240,000,000.00 3,200,000.00
24 2/1/2019 240,000,000.00 3,200,000.00
CARA PERHITUNGAN NPV TANPA ANGSURAN POKOK

PLAFON BARU 240,000,000.00

BUNGA BARU 20% (i.a)
BUNGA LAMA 22% (i.b)
JKW BARU 36 BULAN

BARU LAMA

N BAKI DEBET ANGSURAN ANGSURAN TOTAL ANGSURAN NPV ANGSURAN POKOK ANGSURAN SELISIH BAKI DEBET NETTO
POKOK BUNGA BUNGA
20% 16%
n 2 3 4 5 6 7 8 9 10 11
[ 2 x i.a/12 ] [3+4] [ 5x(1/((i.b/12)+1))^n] [ 11 x i.b/12 ] [NPV - 9] [2-10]

0 994,803,027.21 817,655,098.21 177,147,929.00

1 994,803,027.21 - 16,580,050.45 16,580,050.45 16,281,555.00 - 3,247,712.00 (13,332,338.45) 830,987,436.66 163,815,590.55
2 994,803,027.21 - 16,580,050.45 16,580,050.45 15,988,434.00 - 3,003,286.00 (13,576,764.45) 844,564,201.12 150,238,826.09
3 994,803,027.21 - 16,580,050.45 16,580,050.45 15,700,590.00 - 2,754,378.00 (13,825,672.45) 858,389,873.57 136,413,153.64
4 994,803,027.21 - 16,580,050.45 16,580,050.45 15,417,928.00 - 2,500,908.00 (14,079,142.45) 872,469,016.02 122,334,011.19
5 994,803,027.21 - 16,580,050.45 16,580,050.45 15,140,355.00 - 2,242,790.00 (14,337,260.45) 886,806,276.48 107,996,750.73
6 994,803,027.21 - 16,580,050.45 16,580,050.45 14,867,779.00 - 1,979,940.00 (14,600,110.45) 901,406,386.93 93,396,640.28
7 994,803,027.21 - 16,580,050.45 16,580,050.45 14,600,110.00 - 1,712,272.00 (14,867,778.45) 916,274,165.38 78,528,861.83
8 994,803,027.21 - 16,580,050.45 16,580,050.45 14,337,260.00 - 1,439,696.00 (15,140,354.45) 931,414,519.84 63,388,507.37
9 994,803,027.21 - 16,580,050.45 16,580,050.45 14,079,143.00 - 1,162,123.00 (15,417,927.45) 946,832,447.29 47,970,579.92
10 994,803,027.21 - 16,580,050.45 16,580,050.45 13,825,672.00 - 879,461.00 (15,700,589.45) 962,533,036.75 32,269,990.46
11 994,803,027.21 - 16,580,050.45 16,580,050.45 13,576,765.00 - 591,616.00 (15,988,434.45) 978,521,471.20 16,281,556.01
12 994,803,027.21 - 16,580,050.45 16,580,050.45 13,332,338.00 - 298,495.00 (16,281,555.45) 994,803,026.65 0.56
TOTAL NPV 177,147,929.00
BAKI DEBET 994,803,027.21
CADANGAN KERUGIAN 817,655,098.21