SOAL 1:

Now, Alibaba is 35 years old, and he plans to buy a house: Rp 950 juta when he is
Therefore, he will save-put his money in bank (Rp 30 juta +1_Digit) per year (as l
retired-pension). When he is pension in 65 year old, he will receive a gift - a severa
Tua" Rp 50 juta, in cash. For the next 5 years from now, he will sell his land, and
2_Digit), and he save his money in bank . If the bank saving rate = r = 0,5% per ye
his bank account + cash at the 65 year old? Is he able to buy the house (Rp 950 juta
Sekarang
(Present, P) Rate - Tk suku bunga bank, r = 0.50% per year
35 year old
Tahun ke >> 0 1 2 3 …... 5

Hitunglah F, (compound amount)

Saving 30x -Menabung 30 Jika diketahui
A=30 A=30 A=30 A A=30 A=30
kali th-an, constant, A Kode (F/A, r%, n)
Rumus: (1+r)n – 1
F = A.[------------] F30 = 30
r
F5=
Sell his land - Hasil jual
tanah th-5
100

100

a severance-pay -
Tabungan Hari Tua

Home Work Home Work

No.1 No.2
A=(30+1Digit) A=(650+1Digit) it is enough t
F5=sell land=(100+2Digit) F5=used car=(70+1Digit)
rate =(10%+(1Digit/10))

SOAL 2:
Alibaba want to initiate a new home industry with printing machine, this machine c
Operating cost dan maintenance cost is (Rp 650 juta + 1_Digit) in the first year, an
years, Alibaba plans to buy a used pickup car (Rp 70 juta +1_Digit). Alibaba borr
= (10% + (1_Digit)/10) per year, please find:
a. Present value of all expenditures - Nilai sekarang dari semua biaya tersebut.
b. Future value of all expenditures - Nilai future semua biaya tersebut pada tahun k
c. Annuity of all expenditures - Nilai deret seragam (Annuity-constan) dari semua b
 years, Alibaba plans to buy a used pickup car (Rp 70 juta +1_Digit). Alibaba borr
= (10% + (1_Digit)/10) per year, please find:
a. Present value of all expenditures - Nilai sekarang dari semua biaya tersebut.
b. Future value of all expenditures - Nilai future semua biaya tersebut pada tahun k
c. Annuity of all expenditures - Nilai deret seragam (Annuity-constan) dari semua b
Sekarang (Present,
Rate - Tk suku bunga bank, r = 10.00% per tahun
P)
0 1 2 3 4 5
Biaya th-an, A >> A=650 A=650 A=650 A=650 A=650 A=650
Gradien, G = 35 35 35 35 35
35 35 35
35 35
Used car - Beli pick-up bekas, F5
Hitunglah P, *** F5
Jika diketahui A
1. Find P, if known A, Hitung P, jk tahu A Hitunglah P, **
Kode (P/A, r%, n) Jika diketahui A
P= Rumus: (1+r)n – 1 Kode (P/A, r%, n)
P = A.[------------ ] Rumus: A=650 (1+r)n – 1
3993.97
r.(1+r)n P= P650*
= A.[------------ ] =
Hitunglah P, (present worth, Hitunglah P,) (present worth,
linear gradient
r.(1+r)linear
n gr
Jika diketahui G Jika diketahui G
2. Find P, if known G, Hitung P, jk tahu G
Kode (P/G, r%, n) Kode (P/G, r%, n)
P= Rumus: (1+r)n – r.n –Rumus:
1 (1+r)n – r.n –
801.20 P = G.[-------------------- ] P =P35 = G.[-----------------
r2.(1+r)n r2.(1+r)n
Hitunglah P, ***
Hitunglah P, ***
Jika diketahui F Jika diketahui F
3. Find P, if known F, Hitung P, jk tahu
Kode F (buy a used
(P/F, r%, car
n) - mobil bekas)
Kode (P/F, r%, n)
P=
Rumus: 1Rumus: 1
43.46 P = F.[ --------- ] PP= =0 F.[ ---------n ] =
(1+r) n (1+r) n =5
r = ....%

a. PRESENT Value - Nilai SEKARANG (P) 4838.63

Ptotal = 3993.97+ 801.20+ 43.46

Ptotal = 4838.63

Hitunglah A,
Jika diketahui
Diketahui P A
P, hitunglah
Kode (A/P, r%, n)
A=
Rumus: r.(1+r)n
A = P.[------------ ] A = 4838.63
787.46476 (1+r)n – 1

c. Annuity constant - Nilai deret seragam-constant (A)

The meaning of this calculation is….

The cash flow is equivalent to P=…........... >>>> equivalent to F10=…........ >>>>equivalent to A=…...........(10x)
…rate 10%....
50 juta when he is retired-pension in 65 years old.
Digit) per year (as long as 30 years (30x) until he is
ve a gift - a severance-pension-pay or "Tabungan Hari
sell his land, and he will receive about (Rp 100 juta +
= r = 0,5% per year, how much money, he can earn in
house (Rp 950 juta)? -->Ditanya: FUTURE n=30 2 digit 1 digit
Future, F
0 0
65 year old
…... 27 28 29 30 House price
F30 = Harga rumah di
th-30 = Rp 950 jt
F, (compound amount) 950
diketahui AA=30 A=30 A=30 A=30 A=30
e (F/A, r%, n) Find F if known A
mus: (1+r)n – 1 '=30*((1+0.5%)^30-1))/0.5% Hitung F, jk diketahui A
F30F == 30
A.[------------] n =30 =
r = 0.5% 968.40
r =30*((1+0.5%)^30-1)/0.5%
Hitunglah F, (compound amount) Find F30 =
Jika diketahui
n=25 P
Kode (F/P, r%, n) Find F, if known P Hitung
Rumus: F, jk diketahui P
F25 F= 100 n
= P.[(1+r) ] n =25
Find F25 =
r = 0.5%

113.28 =100*(1+0.5%)^25
n=25

50.00

Ftotal = .....exactly same...

......harus sama ....
Ftotal = 968.4+ 113.28+ 50.00= 1131.68

Conclusions: all money collected juta .....exactly same...

......harus sama ....
it is enough to buy the house, isnt it? 950 juta

ine, this machine can work normally until, n= (10 + 1_Digit) year old.
in the first year, and increase (Gradient, G) Rp 35 juta per year. In the next 5
Digit). Alibaba borrows all the expenditures from a bank (loan) with bank's rate, r

biaya tersebut.
sebut pada tahun ke n=(10 + 1_Digit)
nstan) dari semua biaya tersebut selama n=(10 + 1_Digit) tahun.
Digit). Alibaba borrows all the expenditures from a bank (loan) with bank's rate, r

biaya tersebut.
sebut pada tahun ke n=(10 + 1_Digit)
nstan) dari semua biaya tersebut selama n=(10 + 1_Digit) tahun.
Future, F
n= …...
6 7 …. …... 10
A=650 A=650 A=650 A=650 A=650
35 35 35 35 35
35 35 35 35 35
35 35 35

***
ui A
r%, n)
(1+r)n – 1 =650*((1+10%)^10-1)/(10%*(10%+1)^10)
= A.[------------ ] = 3993.96862
P650*
resent worth,
r.(1+r)linear
n
n = 10)
gradient
hui G r = 10%

, r%, n)
(1+r)n – r.n – 1
= G.[-------------------- ] = 801.20 =35*((1+10%)^10-10%*10-1)/(10%*10%*(1+10%)^10)
r2.(1+r)n n =......
r = ....%

.....exactly same...
......harus sama ....

43.46 =70/(1+10%)^5 .....exactly same...

n =5 ......harus sama ....
r = ....%

b. FUTURE value - Nilai semua biaya di th-n (Fn) =

Hitunglah F, Hitunglah F, Fn = Diketahui P,
n=Jika
10 diketahui P Jika diketahui P hitunglah F
Kode (F/P, r%, n) Kode (F/P, r%, n) 12550.16
Rumus: Rumus:
F = P.[(1+r)n ] Fn = 4838.63
F = P.[(1+r)n ] = =4838.63*(1+10%)^10
n =.....
etahui P r = .....%
A/P, r%, n)
r.(1+r)n
= A = P.[------------ ] = 787.46476 =4838.63*(10%*(1+10%)^10)/((1+10%)^10-1)
(1+r)n – 1 nr ==.....
....%

787.46476 per th

alent to A=…...........(10x) 12550.16

Hitunglah P, (present worth)
Jika diketahui F
Kode (P/F, r%, n)
Rumus: 1
P = F.[ --------- ]
(1+r)n

Hitunglah A, (capital recovery)

Jika diketahui P
Kode (A/P, r%, n)
Rumus: r.(1+r)n
A = P.[------------ ]
(1+r)n – 1

Hitunglah F, (compound amount)

Jika diketahui A
Kode (F/A, r%, n)
Rumus: (1+r)n – 1
F = A.[------------]
r

Hitunglah P, (present worth, linear gradient)

Jika diketahui G
Kode (P/G, r%, n)
Rumus: (1+r)n – r.n – 1
P = G.[-------------------- ]
r2.(1+r)n
 0 1 2 3 4 5 6

30 30 30 30 30 30

100

Jumlah 30 30 30 30 130 30

0 F1 F2 F3 F4 F5 F6

F1>>>F30 F2>>>F30 F3>>>F30 F4>>>F30 F5>>>F30 F6>>>F30

1 2 3 4 5 6
Future F30=? 1131.68 =30*(1+0.5%)^29 + 30*(1+0.5%)^28 + 30*(1+0.5%)^27 + 30*(1+0.5%)^
Hitunglah F, (compound amount)
Jika diketahui P
34.668659191 34.496178299 34.324555522 34.153786589 147.26342476 33.814793286
F30=
Kode (F/P, r%,1131.68
n) …dihitung…per th
Rumus:
F = P.[(1+r)n ]
 0 1 2 3 4 5 6
650 650 650 650 650 650

35 70 105 140 175

70
Jumlah 650 685 720 755 860 825
0 F1 F2 F3 F4 F5 F6
F1>>>P F2>>>P F3>>>P F4>>>P F5>>>P F6>>>P

1 2 3 4 5 6

P, Present = 4838.63 = 650/(1+10%)^1 + 685/(1+10%)^2 + 720/(1+10%)^3 + 755/(1+10%)^4 + 860/(1+10%)^5 +

590.90909091 566.11570248 540.94665665 515.6751588 533.99233783 465.69099229

P, Present = 4838.63 …dihitung…per th

e...
....

aya di th-n (Fn) =

iketahui P,
tunglah F
 worth) Hitunglah F, (compound amount)
Jika diketahui P
) Kode (F/P, r%, n)
1 Rumus:
F.[ --------- ] F = P.[(1+r)n ]
(1+r)n

recovery) Hitunglah P, (present worth)

Jika diketahui A
n) Kode (P/A, r%, n)
r.(1+r)n Rumus: (1+r)n – 1
P.[------------ ] P = A.[------------ ]
(1+r)n – 1 r.(1+r)n

und amount) Hitunglah A, (sinking fund)

Jika diketahui F
n) Kode (A/F, r%, n)
(1+r)n – 1 Rumus: r
A.[------------] A = F.[------------]
r (1+r)n – 1

worth, linear gradient) Hitunglah G,

Jika diketahui P
n) Kode (G/P, r%, n)
n
(1+r) – r.n – 1 Rumus: r2.(1+r)n
[-------------------- ] G = P.[-------------------- ]
2 n
r .(1+r) (1+r)n – r.n – 1
 7 8 9 10 11 12 13

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F7 F8 F9 F10 F11 F12 F13

F7>>>F30 F8>>>F30 F9>>>F30 F10>>>F30 F11>>>F30 F12>>>F30 F13>>>F30

7 8 9 10 11 12 13
30*(1+0.5%)^26 + 130*(1+0.5%)^25 + 30*(1+0.5%)^24 + 30*(1+0.5%)^23 + 30*(1+0.5%)^22 + 30*(1+0.5%)^21 + 30*(1+0.5%)^

33.646560484 33.47916466 33.312601652 33.146867316 32.981957528 32.817868187 32.654595211

 7 8 9 10
650 650 650 650

210 245 280 315

860 895 930 965

F7 F8 F9 F10
F7>>>P F8>>>P F9>>>P F10>>>P

7 8 9 10

5/(1+10%)^4 + 860/(1+10%)^5 + 825/(1+10%)^6 + 860/(1+10%)^7 + 895/(1+10%)^8 + 930/(1+10%)^9 + 965/(1+10%)^10

441.31598168 417.52410529 394.41078509 372.0492743

 14 15 16 17 18 19 20

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F14 F15 F16 F17 F18 F19 F20

F14>>>F30 F15>>>F30 F16>>>F30 F17>>>F30 F18>>>F30 F19>>>F30 F20>>>F30

14 15 16 17 18 19 20
+0.5%)^21 + 30*(1+0.5%)^20 + 30*(1+0.5%)^19 + 30*(1+0.5%)^18 + 30*(1+0.5%)^17 + 30*(1+0.5%)^16 + 30*(1+0.5%)^

32.492134538 32.330482128 32.169633958 32.009586028 31.850334356 31.691874981 31.534203961

+ 965/(1+10%)^10
 21 22 23 24 25 26 27

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F21 F22 F23 F24 F25 F26 F27

F21>>>F30 F22>>>F30 F23>>>F30 F24>>>F30 F25>>>F30 F26>>>F30 F27>>>F30

21 22 23 24 25 26 27
)^16 + 30*(1+0.5%)^15 + 30*(1+0.5%)^14 + 30*(1+0.5%)^13 + 30*(1+0.5%)^12 + 30*(1+0.5%)^11 + 30*(1+0.5%)^

31.377317374 31.221211318 31.065881908 30.911325282 30.757537594 30.604515019 30.45225375

 28 29 30

30 30 30

50

30 30 80

F28 F29 F30

F28>>>F30 F29>>>F30 F30>>>F30

28 29 30
30*(1+0.5%)^10 + 30*(1+0.5%)^9 + 30*(1+0.5%)^8 + 30*(1+0.5%)^7 + 30*(1+0.5%)^6 + 30*(1+0.5%)^5 + 30*(1+0.5%)^

30.30075 30.15 80
*(1+0.5%)^4 + 30*(1+0.5%)^3 + 30*(1+0.5%)^2 + 30*(1+0.5%)^1 + 80*(1+0.5%)^0
 SOAL 1:
Now, Alibaba is 35 years old, and he plans to buy a house: Rp 950 juta when he is
Therefore, he will save-put his money in bank (Rp 30 juta +1_Digit) per year (as l
retired-pension). When he is pension in 65 year old, he will receive a gift - a severa
Tua" Rp 50 juta, in cash. For the next 5 years from now, he will sell his land, and
2_Digit), and he save his money in bank . If the bank saving rate = r = 0,5% per ye
his bank account + cash at the 65 year old? Is he able to buy the house (Rp 950 juta
Sekarang
(Present, P) Rate - Tk suku bunga bank, r = 0.50% per year
35 year old
Tahun ke >> 0 1 2 3 …... 5

Hitunglah F, (compound amount)

Saving 30x -Menabung 30 Jika diketahui
A=30 A=30 A=30 A A=30 A=30
kali th-an, constant, A Kode (F/A, r%, n)
Rumus: (1+r)n – 1
F = A.[------------] F30 = 30
r
F5=
Sell his land - Hasil jual
tanah th-5
100

100

a severance-pay -
Tabungan Hari Tua

it is enough

SOAL 2:
Alibaba want to initiate a new home industry with printing machine, this machine c
cost dan maintenance cost is (Rp 650 juta + 1_Digit) in the first year, and increase
Alibaba plans to buy a used pickup car (Rp 70 juta +1_Digit). Alibaba borrows all
(10% + (1_Digit)/10) per year, please find:
a. Present value of all expenditures - Nilai sekarang dari semua biaya tersebut.
b. Future value of all expenditures - Nilai future semua biaya tersebut pada tahun k
c. Annuity of all expenditures - Nilai deret seragam (Annuity-constan) dari semua b
 Alibaba plans to buy a used pickup car (Rp 70 juta +1_Digit). Alibaba borrows all
(10% + (1_Digit)/10) per year, please find:
a. Present value of all expenditures - Nilai sekarang dari semua biaya tersebut.
b. Future value of all expenditures - Nilai future semua biaya tersebut pada tahun k
c. Annuity of all expenditures - Nilai deret seragam (Annuity-constan) dari semua b
Sekarang (Present,
Rate - Tk suku bunga bank, r = 10.00% per year
P)
0 1 2 3 4 5
Biaya th-an, A >> A=650 A=650 A=650 A=650 A=650
Gradien, G = 35 G=35 G=35 G=35 G=35
G=35 G=35 G=35
G=35 G=35
Used car - Beli pick-up bekas, F5 70
Hitunglah P, *** F5
Jika diketahui A
1. Find P, if known A, Hitung P, jk tahu A Hitunglah P, *
Kode (P/A, r%, n) Jika diketahui A
P= Rumus: (1+r)n – 1 Kode (P/A, r%, n)
P = A.[------------ ] Rumus: A=650 (1+r)n – 1
3993.97 n
r.(1+r) P= P650*
= A.[------------ ] =
Hitunglah P, (present worth, Hitunglah P,) (present worth,
linear gradient
r.(1+r)linear
n g
Jika diketahui G Jika diketahui G
2. Find P, if known G, Hitung P, jk tahu G
Kode (P/G, r%, n) Kode (P/G, r%, n)
P= Rumus: (1+r)n – r.n –Rumus:
1 (1+r)n – r.n
801.20 P = G.[-------------------- ] P =PG=35
= G.[----------------
r2.(1+r)n r2.(1+r)n
Hitunglah P, ***
Hitunglah P, ***
Jika diketahui F Jika diketahui F
3. Find P, if known F, Hitung P, jk tahu
Kode F (buy a used
(P/F, r%, car
n) - mobil bekas)
Kode (P/F, r%, n)
P=
Rumus: 1Rumus: 1
43.46 P = F.[ --------- ] PP= =70F.[ ---------n ] =
(1+r) n (1+r) n =5
r = ....%

a. PRESENT Value - Nilai SEKARANG (P) 4838.63

Ptotal = 3993.97+ 801.20+ 43.46

Ptotal = 4838.63

Hitunglah A,
Jika diketahui
Diketahui P A
P, hitunglah
Kode (A/P, r%, n)
A=
Rumus: r.(1+r)n
A = P.[------------ ] A = 4838.63
787.46476 (1+r)n – 1

c. Annuity constant - Nilai deret seragam-constant (A)

The meaning of this calculation is….

The cash flow is equivalent to P=4838.63 >>>> equivalent to F10=12550.16 >>>>equivalent to A=787.46 (10x)
…rate 10%....
0 juta when he is retired-pension in 65 years old.
igit) per year (as long as 30 years (30x) until he is
ve a gift - a severance-pension-pay or "Tabungan Hari
sell his land, and he will receive about (Rp 100 juta +
= r = 0,5% per year, how much money, he can earn in
ouse (Rp 950 juta)? -->Ditanya: FUTURE n=30 2 digit 1 digit
Future, F
0 0
65 year old
…... 27 28 29 30 House price
F30 = Harga rumah di
th-30 = Rp 950 jt
F, (compound amount) 950
diketahui AA=30 A=30 A=30 A=30 A=30
e (F/A, r%, n) Find F if known A
mus: (1+r)n – 1 Find F30 = Hitung F, jk diketahui A
F30F == 30
A.[------------] n =30 =
r = 0.5% 968.40
r =30*((1+0.5%)^30-1)/0.5%
Hitunglah F, (compound amount) Find F30 =
Jika diketahui
n=25 P
Kode (F/P, r%, n) Find F, if known P Hitung
Rumus: F, jk diketahui P
= P.[(1+r)n ] n =25
F25 F= 100
Find F25 =
r = 0.5%

113.28 =100*(1+0.5%)^25
n=25

50.00

Ftotal = .....exactly same...

......harus sama ....
Ftotal = 968.4+ 113.28+ 50.00= 1131.68

Conclusions: all money collected juta .....exactly same...

......harus sama ....
it is enough to buy the house, isnt it? 950 juta

ne, this machine can work normally until, n= (10 + 1_Digit) year old. Operating
year, and increase (Gradient, G) Rp 35 juta per year. In the next 5 years,
ibaba borrows all the expenditures from a bank (loan) with bank's rate, r =

aya tersebut.
ebut pada tahun ke n=(10 + 1_Digit)
stan) dari semua biaya tersebut selama n=(10 + 1_Digit) tahun.
ibaba borrows all the expenditures from a bank (loan) with bank's rate, r =

aya tersebut.
ebut pada tahun ke n=(10 + 1_Digit)
stan) dari semua biaya tersebut selama n=(10 + 1_Digit) tahun.
Future, F
n= …...
6 7 …. …... 10
A=650 A=650 A=650 A=650 A=650
G=35 G=35 G=35 G=35 G=35
G=35 G=35 G=35 G=35 G=35
…dan selanjutnya…. G=35 G=35 G=35

***
ui A
r%, n)
(1+r)n – 1 =650*((1+10%)^10-1)/(10%*(10%+1)^10)
= A.[------------ ] = 3993.96862
P650*
resent worth,
r.(1+r)linear
n
n = 10)
gradient
hui G r = 10%

, r%, n)
(1+r)n – r.n – 1
= G.[-------------------- ] = 801.20 =35*((1+10%)^10-10%*10-1)/(10%*10%*(1+10%)^10)
r2.(1+r)n n =......
r = ....%

.....exactly same...
......harus sama ....

43.46 =70/(1+10%)^5 .....exactly same...

n =5 ......harus sama ....
r = ....%

b. FUTURE value - Nilai semua biaya di th-n (Fn) =

Hitunglah F, Hitunglah F, Fn = Diketahui P,
n=Jika
10 diketahui P Jika diketahui P hitunglah F
Kode (F/P, r%, n) Kode (F/P, r%, n) 12550.16
Rumus: Rumus:
F = P.[(1+r)n ] Fn = 4838.63
F = P.[(1+r)n ] = =4838.63*(1+10%)^10
n =.....
etahui P r = .....%
A/P, r%, n)
r.(1+r)n
= A = P.[------------ ] = 787.46476 =4838.63*(10%*(1+10%)^10)/((1+10%)^10-1)
(1+r)n – 1 nr ==.....
....%

787.46476 per th

alent to A=787.46 (10x) 12550.16

Hitunglah P, (present worth)
Jika diketahui F
Kode (P/F, r%, n)
Rumus: 1
P = F.[ --------- ]
(1+r)n

Hitunglah A, (capital recovery)

Jika diketahui P
Kode (A/P, r%, n)
Rumus: r.(1+r)n
A = P.[------------ ]
(1+r)n – 1

Hitunglah F, (compound amount)

Jika diketahui A
Kode (F/A, r%, n)
Rumus: (1+r)n – 1
F = A.[------------]
r

Hitunglah P, (present worth, linear gradient)

Jika diketahui G
Kode (P/G, r%, n)
Rumus: (1+r)n – r.n – 1
P = G.[-------------------- ]
r2.(1+r)n
 0 1 2 3 4 5 6

30 30 30 30 30 30

100

Jumlah 30 30 30 30 130 30

0 F1 F2 F3 F4 F5 F6

F1>>>F30 F2>>>F30 F3>>>F30 F4>>>F30 F5>>>F30 F6>>>F30

1 2 3 4 5 6
Future F30=? 1131.68 =30*(1+0.5%)^29 + 30*(1+0.5%)^28 + 30*(1+0.5%)^27 + 30*(1+0.5%)^
Hitunglah F, (compound amount)
Jika diketahui P
34.668659191 34.496178299 34.324555522 34.153786589 147.26342476 33.814793286
F30=
Kode (F/P, r%,1131.68
n) …dihitung…per th
Rumus:
F = P.[(1+r)n ]
 0 1 2 3 4 5 6
650 650 650 650 650 650

35 70 105 140 175

70
Jumlah 650 685 720 755 860 825
0 F1 F2 F3 F4 F5 F6
F1>>>P F2>>>P F3>>>P F4>>>P F5>>>P F6>>>P

1 2 3 4 5 6

P, Present = 4838.63 = 650/(1+10%)^1 + 685/(1+10%)^2 + 720/(1+10%)^3 + 755/(1+10%)^4 + 860/(1+10%)^5 +

590.90909091 566.11570248 540.94665665 515.6751588 533.99233783 465.69099229

P, Present = 4838.63 …dihitung…per th

e...
....

aya di th-n (Fn) =

iketahui P,
tunglah F
 worth) Hitunglah F, (compound amount)
Jika diketahui P
) Kode (F/P, r%, n)
1 Rumus:
F.[ --------- ] F = P.[(1+r)n ]
(1+r)n

recovery) Hitunglah P, (present worth)

Jika diketahui A
n) Kode (P/A, r%, n)
r.(1+r)n Rumus: (1+r)n – 1
P.[------------ ] P = A.[------------ ]
(1+r)n – 1 r.(1+r)n

und amount) Hitunglah A, (sinking fund)

Jika diketahui F
n) Kode (A/F, r%, n)
(1+r)n – 1 Rumus: r
A.[------------] A = F.[------------]
r (1+r)n – 1

worth, linear gradient) Hitunglah G,

Jika diketahui P
n) Kode (G/P, r%, n)
n
(1+r) – r.n – 1 Rumus: r2.(1+r)n
[-------------------- ] G = P.[-------------------- ]
2 n
r .(1+r) (1+r)n – r.n – 1
 7 8 9 10 11 12 13

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F7 F8 F9 F10 F11 F12 F13

F7>>>F30 F8>>>F30 F9>>>F30 F10>>>F30 F11>>>F30 F12>>>F30 F13>>>F30

7 8 9 10 11 12 13
30*(1+0.5%)^26 + 130*(1+0.5%)^25 + 30*(1+0.5%)^24 + 30*(1+0.5%)^23 + 30*(1+0.5%)^22 + 30*(1+0.5%)^21 + 30*(1+0.5%)^

33.646560484 33.47916466 33.312601652 33.146867316 32.981957528 32.817868187 32.654595211

 7 8 9 10
650 650 650 650

210 245 280 315

860 895 930 965

F7 F8 F9 F10
F7>>>P F8>>>P F9>>>P F10>>>P

7 8 9 10

5/(1+10%)^4 + 860/(1+10%)^5 + 825/(1+10%)^6 + 860/(1+10%)^7 + 895/(1+10%)^8 + 930/(1+10%)^9 + 965/(1+10%)^10

441.31598168 417.52410529 394.41078509 372.0492743

 14 15 16 17 18 19 20

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F14 F15 F16 F17 F18 F19 F20

F14>>>F30 F15>>>F30 F16>>>F30 F17>>>F30 F18>>>F30 F19>>>F30 F20>>>F30

14 15 16 17 18 19 20
+0.5%)^21 + 30*(1+0.5%)^20 + 30*(1+0.5%)^19 + 30*(1+0.5%)^18 + 30*(1+0.5%)^17 + 30*(1+0.5%)^16 + 30*(1+0.5%)^

32.492134538 32.330482128 32.169633958 32.009586028 31.850334356 31.691874981 31.534203961

+ 965/(1+10%)^10
 21 22 23 24 25 26 27

30 30 30 30 30 30 30

30 30 30 30 30 30 30

F21 F22 F23 F24 F25 F26 F27

F21>>>F30 F22>>>F30 F23>>>F30 F24>>>F30 F25>>>F30 F26>>>F30 F27>>>F30

21 22 23 24 25 26 27
)^16 + 30*(1+0.5%)^15 + 30*(1+0.5%)^14 + 30*(1+0.5%)^13 + 30*(1+0.5%)^12 + 30*(1+0.5%)^11 + 30*(1+0.5%)^

31.377317374 31.221211318 31.065881908 30.911325282 30.757537594 30.604515019 30.45225375

 28 29 30

30 30 30

50

30 30 80

F28 F29 F30

F28>>>F30 F29>>>F30 F30>>>F30

28 29 30
30*(1+0.5%)^10 + 30*(1+0.5%)^9 + 30*(1+0.5%)^8 + 30*(1+0.5%)^7 + 30*(1+0.5%)^6 + 30*(1+0.5%)^5 + 30*(1+0.5%)^

30.30075 30.15 80
*(1+0.5%)^4 + 30*(1+0.5%)^3 + 30*(1+0.5%)^2 + 30*(1+0.5%)^1 + 80*(1+0.5%)^0