berganda anuitas

-Rp1,000,000.00 tabungan -Rp1,000,000.00 berganda : total yang dia

17% tingkat bunga 17% anuitas : berapa uang skrg
3 jangka waktu 3

Rp3,538,900.00 FV (Nilai yang akan datang)

PV (Nilai sekarang) Rp2,209,584.96

jangka waktu
tk bunga

berapa santi harus menabung setiap bulan apabila ingin punya uang 5000000 dlm 2 tahun yad dengan tingkat bunga bank 12%
fv Rp5,000,000.00
rate 12%
nper 2
pmt
 berganda : total yang dia tabung 1000.000
anuitas : berapa uang skrg kalo dia mau nabung total 1000.000

gan tingkat bunga bank 12% pertahun digandakan setiap bulan

tabungan/tahun -Rp1,200,000.00 tabungan/bulan -Rp100,000.00
tk bunga 12% tk bunga 12%
tk waktu 5 jk watu 5
nilai 5 tahun lagi Rp7,623,416.83 nilai 5 tahun lagi Rp8,166,966.99

tab awal -Rp5,000,000.00 hutang Rp10,000,000.00

tk bunga 18% tk bunga 16%
tab/bulan -75000 angsuran/bulan -350000
jk waktu 5
nilai akhir thn ke 5 Rp19,432,197.76 jk waktu pelunasan 3.02
hutang Rp5,000,000.00
jk waktu 2
ansuran/2bln -Rp500,000.00
tk bunga/th 17.54%
 NO PV FV
1
2
3
4a
4b
5
6 Rp2,766,730.63
7 Rp45,500,000.00
8 (Rp1,750,000.00) Rp16,847,651.20
9

SOAL 10

angsuran ke besar angsuran cicilan pokok

1 -Rp168,638.23
2 -Rp170,746.21
3 -Rp172,880.54
4 -Rp175,041.54
5 -Rp177,229.56
6 -Rp179,444.93
7 -Rp181,687.99
8 -Rp183,959.09
9 -Rp186,258.58
10 -Rp188,586.81
11 -Rp190,944.15
12 -Rp193,330.95
13 -Rp195,747.59
14 -Rp198,194.43
15 -Rp200,671.86
16 -Rp203,180.26
17 -Rp205,720.02
18 -Rp208,291.52
19 -Rp210,895.16
20 -Rp213,531.35
21 -Rp216,200.49
22 -Rp218,903.00
23 -Rp221,639.28
24 -Rp224,409.78
25 -Rp227,214.90
26 -Rp230,055.08
27 -Rp232,930.77
 28 -Rp235,842.41
29 -Rp238,790.44
30 -Rp241,775.32
31 -Rp244,797.51
32 -Rp247,857.48
33 -Rp250,955.70
34 -Rp254,092.64
35 -Rp257,268.80
36 -Rp260,484.66
37 -Rp263,740.72
38 -Rp267,037.48
39 -Rp270,375.45
40 -Rp273,755.14
41 -Rp277,177.08
42 -Rp280,641.79
43 -Rp284,149.81
44 -Rp287,701.69
45 -Rp291,297.96
46 -Rp294,939.18
47 -Rp298,625.92
48 -Rp302,358.75

SOAL 11
JANGKA WAKTU
NOMINAL PINJAMAN
1 2
Rp5,000,000.00 -Rp461,260.28 -Rp252,529.20
Rp10,000,000.00 -Rp922,520.56 -Rp505,058.41
Rp15,000,000.00 -Rp1,383,780.85 -Rp757,587.61
Rp20,000,000.00 -Rp1,845,041.13 -Rp1,010,116.82
Rp25,000,000.00 -Rp2,306,301.41 -Rp1,262,646.02
Rp30,000,000.00 -Rp2,767,561.69 -Rp1,515,175.23
Rp35,000,000.00 -Rp3,228,821.98 -Rp1,767,704.43
Rp40,000,000.00 -Rp3,690,082.26 -Rp2,020,233.64
Rp45,000,000.00 -Rp4,151,342.54 -Rp2,272,762.84
Rp50,000,000.00 -Rp4,612,602.82 -Rp2,525,292.05
Rp55,000,000.00 -Rp5,073,863.10 -Rp2,777,821.25
Rp60,000,000.00 -Rp5,535,123.39 -Rp3,030,350.45
Rp65,000,000.00 -Rp5,996,383.67 -Rp3,282,879.66
Rp70,000,000.00 -Rp6,457,643.95 -Rp3,535,408.86
Rp75,000,000.00 -Rp6,918,904.23 -Rp3,787,938.07
Rp80,000,000.00 -Rp7,380,164.52 -Rp4,040,467.27
Rp85,000,000.00 -Rp7,841,424.80 -Rp4,292,996.48
Rp90,000,000.00 -Rp8,302,685.08 -Rp4,545,525.68
Rp100,000,000.00 -Rp9,225,205.64 -Rp5,050,584.09

SOAL 12
JANGKA WAKTU (Bln) TINGKAT BUNGA (Per tahun) NILAI UANG AKHIR PERIODE
3 8% Rp30,604,008.89
6 9% Rp31,375,567.05
9 10% Rp32,326,476.72
12 11% Rp33,471,565.09
15 12% Rp34,829,068.66
18 13% Rp36,421,115.36
21 14% Rp38,274,322.26
24 15% Rp40,420,531.51

SOAL 13
JANGKA WAKTU (Tahun) UANG YANG DITABUNG (PV)
1 -Rp4,347,826.09 FV :
2 -Rp3,780,718.34 TINGKAT BUNGA :
3 -Rp3,287,581.16
4 -Rp2,858,766.23
5 -Rp2,485,883.68
6 -Rp2,161,637.98
7 -Rp1,879,685.20
8 -Rp1,634,508.87
9 -Rp1,421,312.06
10 -Rp1,235,923.53
11 -Rp1,074,716.11
12 -Rp934,535.75
13 -Rp812,639.78
14 -Rp706,643.29
15 -Rp614,472.43
 RATE NPER
% tahun
% tahun
% tahun
% tahun
% tahun
% tahun
10% tahun 2
18% tahun 6.94665331080126
13% tahun 10
% tahun
%
%
% tahun
%
%

sisa pinjaman
Rp10,831,361.77 hp 17000000
Rp10,660,615.56 uang muka 6000000
Rp10,487,735.02 pinjaman 11000000
Rp10,312,693.48 bunga 15%
Rp10,135,463.92 jk 4
Rp9,956,018.99
Rp9,774,330.99
Rp9,590,371.90
Rp9,404,113.32
Rp9,215,526.50
Rp9,024,582.35
Rp8,831,251.40
Rp8,635,503.81
Rp8,437,309.38
Rp8,236,637.52
Rp8,033,457.25
Rp7,827,737.24
Rp7,619,445.72
Rp7,408,550.56
Rp7,195,019.22
Rp6,978,818.72
Rp6,759,915.73
Rp6,538,276.44
Rp6,313,866.67
Rp6,086,651.77
Rp5,856,596.69
Rp5,623,665.91
 Rp5,387,823.51
Rp5,149,033.07
Rp4,907,257.75
Rp4,662,460.24
Rp4,414,602.77
Rp4,163,647.07
Rp3,909,554.43
Rp3,652,285.63
Rp3,391,800.97
Rp3,128,060.25
Rp2,861,022.77
Rp2,590,647.32
Rp2,316,892.18
Rp2,039,715.10
Rp1,759,073.31
Rp1,474,923.50
Rp1,187,221.81
Rp895,923.85
Rp600,984.67
Rp302,358.75
Rp0.00

JANGKA WAKTU
3 4 5
-Rp183,786.09 -Rp150,028.79 -Rp130,253.62
-Rp367,572.18 -Rp300,057.58 -Rp260,507.23
-Rp551,358.27 -Rp450,086.37 -Rp390,760.85
-Rp735,144.36 -Rp600,115.16 -Rp521,014.46
-Rp918,930.45 -Rp750,143.95 -Rp651,268.08
-Rp1,102,716.54 -Rp900,172.74 -Rp781,521.69
-Rp1,286,502.64 -Rp1,050,201.54 -Rp911,775.31
-Rp1,470,288.73 -Rp1,200,230.33 -Rp1,042,028.92
-Rp1,654,074.82 -Rp1,350,259.12 -Rp1,172,282.54
-Rp1,837,860.91 -Rp1,500,287.91 -Rp1,302,536.15
-Rp2,021,647.00 -Rp1,650,316.70 -Rp1,432,789.77
-Rp2,205,433.09 -Rp1,800,345.49 -Rp1,563,043.38
-Rp2,389,219.18 -Rp1,950,374.28 -Rp1,693,297.00
-Rp2,573,005.27 -Rp2,100,403.07 -Rp1,823,550.61
-Rp2,756,791.36 -Rp2,250,431.86 -Rp1,953,804.23
-Rp2,940,577.45 -Rp2,400,460.65 -Rp2,084,057.84
-Rp3,124,363.54 -Rp2,550,489.44 -Rp2,214,311.46
-Rp3,308,149.63 -Rp2,700,518.23 -Rp2,344,565.07
-Rp3,675,721.82 -Rp3,000,575.82 -Rp2,605,072.30
 NILAI DEPOSITO : -Rp30,000,000.00

5000000
15% /TAHUN
NPER PMT
tahun bulan
tahun bulan
tahun
tahun bulan
tahun bulan
tahun bulan
tahun Rp (100,000.00) bulan
tahun Rp (960,000.00) bulan
tahun Rp (500,000.00) tahun
tahun tahun

tahun

TAHUN
SUKU BUNGA : 1.60% /bulan
PV

Pilihan 1 pilihan 2
tk bunga : 15% tk bunga :
jml. Penerimaan (kali) 8 periode
nilai setiap penerimaan Rp10,000,000.00 penerimaan akhir periode
investasi : -Rp4,000,000.00 investasi

present value dari penerimaan -Rp44,873,215.08 present value dari penerimaan

KESIMPULAN LAYAK KESIMPULAN

FV
TANPA SALDO AWAL DENGAN SALDO AWAL
TK BUNGA DEPOSITO 20% 20%
JK WAKTU DEPOSITO (TH) 15 15
DEPOSITO/TH -50000000 -50000000
SALDO AWAL -100000000
FUTURE VALUE Rp3,601,755,393.65 Rp5,142,457,551.11

NPV
KETERANGAN JUMLAH
INVESTASI AWAL Rp250,000,000.00
ALIRAN KAS TAHUN KE-1 Rp40,000,000.00
ALIRAN KAS TAHUN KE-2 Rp45,000,000.00
ALIRAN KAS TAHUN KE-3 Rp80,000,000.00
ALIRAN KAS TAHUN KE-4 Rp95,000,000.00
ALIRAN KAS TAHUN KE-5 Rp110,000,000.00
ALIRAN KAS TAHUN KE-6 Rp125,000,000.00
ALIRAN KAS TAHUN KE-7 Rp130,000,000.00
ALIRAN KAS TAHUN KE-8 -Rp5,000,000.00
TK SUKU BUNGA 20%
NPV
KESIMPULAN TIDAK LAYAK
pilihan 2
15%
8
Rp80,000,000.00
-Rp40,000,000.00

-Rp26,152,141.91
TIDAK LAYAK
PERIODE BULAN SALDO AWAL BULAN ANGSURAN PER BULAN

1 Jan-05 Rp300,000,000.00 -Rp11,927,947.77

2 Feb-05 Rp294,322,052.23 -Rp11,927,947.77
3 Mar-05 Rp288,525,813.88 -Rp11,927,947.77
4 Apr-05 Rp282,608,820.57 -Rp11,927,947.77
5 May-05 Rp276,568,556.56 -Rp11,927,947.77
6 Jun-05 Rp270,402,453.72 -Rp11,927,947.77
7 Jul-05 Rp264,107,890.40 -Rp11,927,947.77
8 Aug-05 Rp257,682,190.34 -Rp11,927,947.77
9 Sep-05 Rp251,122,621.54 -Rp11,927,947.77
10 Oct-05 Rp244,426,395.05 -Rp11,927,947.77
11 Nov-05 Rp237,590,663.84 -Rp11,927,947.77
12 Dec-05 Rp230,612,521.57 -Rp11,927,947.77
13 Jan-06 Rp223,489,001.33 -Rp11,927,947.77
14 Feb-06 Rp216,217,074.42 -Rp11,927,947.77
15 Mar-06 Rp208,793,649.04 -Rp11,927,947.77
16 Apr-06 Rp201,215,568.95 -Rp11,927,947.77
17 May-06 Rp193,479,612.20 -Rp11,927,947.77
18 Jun-06 Rp185,582,489.69 -Rp11,927,947.77
19 Jul-06 Rp177,520,843.79 -Rp11,927,947.77
20 Aug-06 Rp169,291,246.93 -Rp11,927,947.77
21 Sep-06 Rp160,890,200.14 -Rp11,927,947.77
22 Oct-06 Rp152,314,131.53 -Rp11,927,947.77
23 Nov-06 Rp143,559,394.84 -Rp11,927,947.77
24 Dec-06 Rp134,622,267.79 -Rp11,927,947.77
25 Jan-07 Rp125,498,950.60 -Rp11,927,947.77
26 Feb-07 Rp116,185,564.30 -Rp11,927,947.77
27 Mar-07 Rp106,678,149.12 -Rp11,927,947.77
28 Apr-07 Rp96,972,662.79 -Rp11,927,947.77
29 May-07 Rp87,064,978.83 -Rp11,927,947.77
30 Jun-07 Rp76,950,884.78 -Rp11,927,947.77
31 Jul-07 Rp66,626,080.45 -Rp11,927,947.77
32 Aug-07 Rp56,086,176.02 -Rp11,927,947.77
33 Sep-07 Rp45,326,690.25 -Rp11,927,947.77
34 Oct-07 Rp34,343,048.53 -Rp11,927,947.77
35 Nov-07 Rp23,130,580.93 -Rp11,927,947.77
36 Dec-07 Rp11,684,520.26 -Rp11,927,947.77
 BUNGA CICILAN POKOK PINJAMAN SALDO AKHIR BULAN

-Rp6,250,000.00 -Rp5,677,947.77 Rp294,322,052.23

-Rp6,131,709.42 -Rp5,796,238.35 Rp288,525,813.88
-Rp6,010,954.46 -Rp5,916,993.31 Rp282,608,820.57
-Rp5,887,683.76 -Rp6,040,264.01 Rp276,568,556.56
-Rp5,761,844.93 -Rp6,166,102.84 Rp270,402,453.72
-Rp5,633,384.45 -Rp6,294,563.32 Rp264,107,890.40
-Rp5,502,247.72 -Rp6,425,700.05 Rp257,682,190.34
-Rp5,368,378.97 -Rp6,559,568.80 Rp251,122,621.54
-Rp5,231,721.28 -Rp6,696,226.49 Rp244,426,395.05
-Rp5,092,216.56 -Rp6,835,731.21 Rp237,590,663.84
-Rp4,949,805.50 -Rp6,978,142.27 Rp230,612,521.57
-Rp4,804,427.53 -Rp7,123,520.24 Rp223,489,001.33
-Rp4,656,020.86 -Rp7,271,926.91 Rp216,217,074.42
-Rp4,504,522.38 -Rp7,423,425.39 Rp208,793,649.04
-Rp4,349,867.69 -Rp7,578,080.08 Rp201,215,568.95
-Rp4,191,991.02 -Rp7,735,956.75 Rp193,479,612.20
-Rp4,030,825.25 -Rp7,897,122.52 Rp185,582,489.69
-Rp3,866,301.87 -Rp8,061,645.90 Rp177,520,843.79
-Rp3,698,350.91 -Rp8,229,596.86 Rp169,291,246.93
-Rp3,526,900.98 -Rp8,401,046.79 Rp160,890,200.14
-Rp3,351,879.17 -Rp8,576,068.60 Rp152,314,131.53
-Rp3,173,211.07 -Rp8,754,736.70 Rp143,559,394.84
-Rp2,990,820.73 -Rp8,937,127.04 Rp134,622,267.79
-Rp2,804,630.58 -Rp9,123,317.19 Rp125,498,950.60
-Rp2,614,561.47 -Rp9,313,386.30 Rp116,185,564.30
-Rp2,420,532.59 -Rp9,507,415.18 Rp106,678,149.12
-Rp2,222,461.44 -Rp9,705,486.33 Rp96,972,662.79
-Rp2,020,263.81 -Rp9,907,683.96 Rp87,064,978.83
-Rp1,813,853.73 -Rp10,114,094.04 Rp76,950,884.78
-Rp1,603,143.43 -Rp10,324,804.34 Rp66,626,080.45
-Rp1,388,043.34 -Rp10,539,904.43 Rp56,086,176.02
-Rp1,168,462.00 -Rp10,759,485.77 Rp45,326,690.25
-Rp944,306.05 -Rp10,983,641.72 Rp34,343,048.53
-Rp715,480.18 -Rp11,212,467.59 Rp23,130,580.93
-Rp481,887.10 -Rp11,446,060.67 Rp11,684,520.26
-Rp243,427.51 -Rp11,684,520.26 Rp0.00
 BUNGA : 25%
JANGKA WAKTU (TH) : 3
POKOK PINJAMAN : Rp300,000,000.00
NO NAMA ALAMAT KOTA

1 ENDIARTONO JL. MUARA KARANG VI-V NO. 129 JAKARTA

2 HENDRAWAN ALI JL. H. AGUS SALIM SURABAYA
3 RANDY SUWANDI JL. BALAI PUSTAKA BARU 19 BANDUNG
4 ADHITYA SAMUDRA JL. RS FATMAWATI NO 6K JAKARTA
5 AGUNG MULYONO JL. MARGASATWA NO. 15 JAKARTA
6 ANDY SETIAWAN JL. JUANA NO.34 MENTENG SURABAYA
7 SARAH NOORDEVIANA JL. RAYA HANKAM NO. 85 SURABAYA
8 AYU ANANDIKA JL. LAUT BANDA BLOK BB1 NO 1 JAKARTA
9 ERNAWATI JL. RAYA JATIWARINGIN 66 BANDUNG
10 RUDOLF SAKILANGIT JL. PERDATAM RAYA NO. 11 SURABAYA
11 HERRY ENDARTO JL. KH HASYIM ASHARI 75A SURABAYA
12 RIANTO SUHERMAN JL. KEBON KACANG 36 NO. 5 SEMARANG
13 DEBBY ANDALUSIA JL. TANJUNG DUREN RAYA NO. 346 BANDUNG

TYPE HARGA RUMAH

MATAHARI Rp250,000,000.00
MAWAR Rp225,000,000.00
MELATI Rp200,000,000.00
 TYPE HARGA RUMAH UANG MUKA (%) UANG MUKA (RP) TOTAL PINJAMAN

MELATI Rp200,000,000.00 60% Rp120,000,000.00 Rp80,000,000.00

MELATI Rp200,000,000.00 25% Rp50,000,000.00 Rp150,000,000.00
MELATI Rp200,000,000.00 20% Rp40,000,000.00 Rp160,000,000.00
MELATI Rp200,000,000.00 25% Rp50,000,000.00 Rp150,000,000.00
MAWAR Rp225,000,000.00 50% Rp112,500,000.00 Rp112,500,000.00
MAWAR Rp225,000,000.00 30% Rp67,500,000.00 Rp157,500,000.00
MAWAR Rp225,000,000.00 40% Rp90,000,000.00 Rp135,000,000.00
MAWAR Rp225,000,000.00 30% Rp67,500,000.00 Rp157,500,000.00
MATAHARI Rp250,000,000.00 30% Rp75,000,000.00 Rp175,000,000.00
MATAHARI Rp250,000,000.00 25% Rp62,500,000.00 Rp187,500,000.00
MATAHARI Rp250,000,000.00 45% Rp112,500,000.00 Rp137,500,000.00
MATAHARI Rp250,000,000.00 30% Rp75,000,000.00 Rp175,000,000.00
MATAHARI Rp250,000,000.00 15% Rp37,500,000.00 Rp212,500,000.00
BUNGA PER TAHUN JANGKA WAKTU (TAHUN) ANGSURAN PER BULAN TOTAL YANG DIBAYAR

18% 20 -Rp1,234,649.22 Rp416,315,812.49

18% 15 -Rp2,415,631.56 Rp484,813,680.64
18% 14 -Rp2,614,320.51 Rp479,205,845.51
18% 12 -Rp2,548,679.29 Rp417,009,817.29
18% 19 -Rp1,746,087.98 Rp510,608,058.33
18% 16 -Rp2,506,227.68 Rp548,695,714.22
18% 11 -Rp2,354,964.12 Rp400,855,263.85
18% 10 -Rp2,837,916.88 Rp408,050,026.19
18% 22 -Rp2,677,566.01 Rp781,877,427.26
18% 21 -Rp2,880,102.90 Rp788,285,932.05
18% 18 -Rp2,148,700.70 Rp576,619,351.51
18% 17 -Rp2,757,252.51 Rp637,479,511.96
18% 13 -Rp3,533,876.82 Rp588,784,783.32
nper 5 tahun nilai kredit
fv 200000000
pmt -25000000 bln
rate 5.50% tahun

pv -Rp46,269,758.88

pv 25000000
rate 4% tahun
nper 3 tahun
pmt -Rp738,099.63
ppmt -Rp697,502.69

pv -50000000 -500000000
nper 40 bln 40
pmt -1500000 bln -15000000
rate Err:523 Err:523
fv Err:523 Err:523

pv 25000000
rate 15.00% tahun
pmt -960000
nper 2.64180490307073
-Rp3,300,162.37

pv -50000000
rate Err:523
pmt -2500000
nper 5 tahun
fv Err:523
nilai kredit 20000000
bunga 18% TAHUN
WAKTU 10 1
angsuran tahun

tahun ke saldo awal angsuran/tahun bunga/tahun cicilan pokok pinjman

1 Rp 20,000,000.00 Rp (4,450,292.83) Rp (3,600,000.00) Rp (850,292.83)
2 Rp 19,149,707.17 Rp (4,450,292.83) Rp (3,446,947.29) Rp (1,003,345.54)
3 Rp 18,146,361.64 Rp (4,450,292.83) Rp (3,266,345.09) Rp (1,183,947.73)
4 Rp 16,962,413.91 Rp (4,450,292.83) Rp (3,053,234.50) Rp (1,397,058.32)
5 Rp 15,565,355.58 Rp (4,450,292.83) Rp (2,801,764.00) Rp (1,648,528.82)
6 Rp 13,916,826.76 Rp (4,450,292.83) Rp (2,505,028.82) Rp (1,945,264.01)
7 Rp 11,971,562.75 Rp (4,450,292.83) Rp (2,154,881.30) Rp (2,295,411.53)
8 Rp 9,676,151.22 Rp (4,450,292.83) Rp (1,741,707.22) Rp (2,708,585.61)
9 Rp 6,967,565.61 Rp (4,450,292.83) Rp (1,254,161.81) Rp (3,196,131.02)
10 Rp 3,771,434.60 Rp (4,450,292.83) Rp (678,858.23) Rp (3,771,434.60)
saldo akhir
Rp 19,149,707.17
Rp 18,146,361.64
Rp 16,962,413.91
Rp 15,565,355.58
Rp 13,916,826.76
Rp 11,971,562.75
Rp 9,676,151.22
Rp 6,967,565.61
Rp 3,771,434.60
Rp -