ovine a APPENDIX A~1 Present Value dari 1 prdade,) 3% | 2K] Kan foe [ew Tow He ax | ox | 10% 2 oso ogra | 0.962 0.943 | 0935 | 0.926 | 0.917 | 0.909 3 | os 0.943 | 0.925 oas0 | oa73 | 0.887 | 0.42 | 0.826 4 | 0361 Tas || ‘Oags ogo | 086 | 0796 | 0.772 | 0.751 << ogee | oss 0792 | 0.763 | 0.735 | 0.708 | 0.683 3 s 0.863 | 0.822 0,747 | 0.713 | 0.681 | 0.650 | 0.621 Bi Vie, 0.837 | 0.790 0,705 | 0.666 | 0.630 | 0.596 | 0.564 7 | 0933 0.213 | 0.760 oss | 0623 | 0583 | 0547 | 0.513 8 0.923 0.789 | 0.731 0.627 | 0.582 | 0.540 | 0.502 | 0.467 9 | os 0.765 | 0.703 ossz | 544 | 0500 | 0.460 | 0.424 ah Osos 0.744 | 0,676 ssa | 0508 | 0.463 | 0.422 | 0.386 ar | 0.896 | 0.804 | 0.722 | 0650 | oes | 0527 | 0.475 | 0.429 | 0.388 | 0.350 312 | 0.887 | 0.788 | 0.701 | 0.625 | 0557 | 0497 | 0.440 | 0.397 | 0.356 | 0.319 33 | 0879 | 0.773 | 0.681 | 0.601 | 0530 | 0469 | oe1s | 0.368 | 0.326 | 0.290 aa | 0870 | 0.758 | 0661 | 0.577 | 0505 | 0.442 | 0.388 | 0.340 | 0.299 | 0.263 as | oss: | 0743 | a2 | o5s6 | oer | 0417 | 0362 | 0.315 | 0.275 | 0.239 1s | 0.853 | 0.728 | 0.4623 | 0534 | 0458 | 0354 | 0339 | 0.292 | 0.252 | 0.218 17 | 0844 | o714 | 0605 | 0513 | 0436 | 0371 | 0.317 | 0.270 | 0.231 | 0.198 38 | 0836 | 0700 | 0587 | 0.494 } 0416 | 0.350 | 0.296 | 0.250 | 0.212 | 0.180 19 | 0828 | o«es | 0570 | 0475 | 0396 | 0331 | 0.277 | 0.232 | 0.196 | 0.164 20 | 0820 | 0673 | oss4 | o4ss | 0.377 | 0312 | 0258 | 0.215 | 0.178 | 0.149 21 | 0811 | 0660 | osae | 0439 | 0.359 | 0.296 | o242 | 0.199 | 0.166 | 0.136 22 | 0803 | ose7 | 0522 | 0422 | 0342 | 0278 | 0.226 | 0.184 | 0.180 | 0.123 33 | 0795 | 0.634 | 0507 | 040s | 0326 | 0.262 | 0211 | 0.170 | 0.138 | 0.112 ga | o7es | 0.622 | o492 | 0.390 | 0310 | 0247 | 0297 | 0.58 | 0.126 | 0.102 25 | o772 | oss | o46a | 0.361 | 0.261 | 0220 | 0.172 | 0.135 | 0.106 | 0.084 2 | o772 | osse 0361 | 0.281 | 0220 | 0172, | 0.135 | 0.106 | 0.084 27 | 0.764 | 0.586 0347 | 0268 | 0207 | 0161 | 0.125 | 0.098 | 0.076 2 | 0.757 | 0.574 0.333 | 0.255 | 0.196 | 0.250 | 0.136 | 0.090 | 0.069 29 | 0743 | 0.563 0321 | 0.243 | 0.185 | 0141 | 0.107 | 0.082 | 0.063 30 | 0742 | 0552 0308 | 0231 | 0.176 | 0131 | 0099 | 0.075 | 0.057 40 | oe | 0453 | 0307 | 0.208 | 0.42 | 0.097 | 0.067 | 0.046 | 0.032 | 0.022 so | o¢os | 0372 | 0.228 | 0.141 | 0087 | 0.054 | 0.034 | 0.021 | 0.013 | 0.009396 ‘Stuoi Kevavanan Prover Bisus Present Value dari 1 (lanjutan) : Periode | 11% 12% | 13% | 14% | 15% | 16% 17% | 18% | 19% | 20% sh 0.901 | 0.893 | 0.885 | 0.877 | 0.870 | 0.862 | 0.855 | 0.847 | 0340 | 0.833 2 0.812 | 0,797 | 0.783 | 0.769 | 0.756 | 0.743 | 0.731 | 0.718 | 0.706 | 0.694 3 0.731 | 0.712 | 0.693 | 0.675 | 0.658 | 0.641 | 0.624 | 0.609 | 0.593 | 0.579 4 0.659 | 0.636 | 0.613 | 0.592 | 0.572 | 0.552 | 0534 | 0.516 | 0.499 | 0.482 5 0.593 | 0.567 | 0.543 | 0.519 | 0.497 | 0.476 | 0.456 | 0.437 | 0.419 | 0.402 6 0.535 | 0.507 | 0.480 | 0.456 | 0.432 | 0.410 | 0.390 | 0.370 | 0,352 | 0.335 7 0.482 | 0.452 | 0.425 | 0.400 | 0.376 | 0.354 | 0.333 | 0.314 | 0.296 | 0.279 a 0.434 | 0.404 | 0,376 | 0.351 | 0.327 | 0.305 | 0.285 | 0.266 | 0.249 | 0.233 9 0.391 | 0.361 | 0.333 | 0.308 | 0.284 | 0.263 | 0.243 | 0.225 | 0.209 | 0.194 10} 0.352 | 0.322 | 0.295 | 0.270 | 0.247 | 0.227 | 0.208 | 0.191 | 0.176 | 0.162 11 | 0.317 | 0.287 | 0.261 | 0.237 | 0.215 | 0.195 | 0.178 | 0.162 | 0.148. | 0.135 12 | 0.286 | 0.257 | 0.231 | 0.208 | 0.187 | 0.168 | 0.152 | 0.137 | 0.124 | 0.112 13 | 0.258 | 0.228 | 0.204 | 0.182 | 0.163 | 0.146 | 0.130 | 0.116 | 0.104 | 0.093 34 | 0.232 | 0.205 | 0.181 | 0.160 | 0.141 | 0.125 | 0.111 | 0.099 | 0.088 | 0.078 15 | 0.209 | 0.183 | 0.160 | 0.140 | 0.123 | 0.108 | 0.095 | 0.084 | 0.074 | 0.065 16 | 0.188 | 0.163 | 0.141 | 0.123 | 0.107 | 0.093 | 0.081 | 0.071 | 0.062 | 0.054 17 | 0.170 | 0.148 | 0.125 | 0.108 | 0.093 | 0.080 | 0.069 | 0.060 | 0.052 | 0.045 18 | 0.153 | 0.130 | o.111 | 0.095 | 0.081 | 0.069 | 0.059 | 0.051 | 0.044 | 0.038 19 | 0.138 | 0.116 | 0.098 | 0.083 | 0.070 | 0.060 | 0.051 | 0.043 | 0.037 | 0.032 . 20} 0.124 | 0.104 | 0.087 | 0.073 | 0.061 | 0.051 | 0.043 | 0.037 | 0.032 | 0.026 21 | 0.122 | 0.093 | 0.077 | 0.064 | 0.053 | 0.044 | 0.037 | 0.031 | o.o26 | 0.022 22 | 0.101 | 0,083 | 0.068 | 0.956 | 0.046 | 0.038 | 0.032 | 0.026 | 0022 | 0.018 23 | 0.091 | 0.074 | 0.060 | 0.049 | 0.040 | 0.033 | 0.027 | 0.022 | oor8 | 0015 26 | 0.082 | 0.066 | 0.053 | 0.043 | 0.035 | 0.028 | 0.023 | 0.019 | oois | 0.013 25 | 0.074 | 0.059 | 0.047 | 0.038 | 0.030 | 0.024 | 0.020 | 0.016 | 0.013 | 0.010 26 | 0.066 | 0.053 | 0.042 | 0.033 | 0.026 | 0.021 | 0.017 | 0.014 | 0.012 | o.009 27 | 0.060 | 0.047 | 0.037 | 0.029 | 0.023 | 0.018 | 0.014 | 0.011 | 0.009 | 0.007 28 | 0.054 | 0.042 | 0.033 | 0.026 | 0.020 | 0.016 | 0.012 | 0.010 | 0.008 | 0.006 29 |, 0.048 | 0.037 | 0.029 | 0.022 | 0.017 | 0.014 | 0.011 | 0.008 | 0.008 | 0.005 30] 0.044 J 0.033 | 0.026 | 0.020 | 0.015 | 0.012 } 0.003 | 0.007 | 0.005 | 0.004 40 | 0015 | 0.012 | 0.008 | 0.005 | 0.004 | 0.003 | 0.002 | 0.001 | 0.001 | 0.001 50 | 9.005 | 0.003 | 0.002 | 0.001 | 0.001 | 0.001 | 0.000 | 0.000 | 0.000 | 0,000LawaransLANPRO a Present Value dari 1 (lanjutan) 397 Soa eed —f periode | 21% 22% | 23% | 20% | 25% | 26% | 27% | 28% | 29% | 30% " me sen - 0.806 | 0.800 | 0,794 | 0.787 | 0.781 | 0.775 | 0.769 2 Ose | ose | QEe2 | 2650 | Oso | ag90 | 0.620 | aio | 60 0.592 4 0.467 oasi | 04: 0.524 | 0.512 | 0.500 | 0.488 | 0.477 | 0.466 | 0.455 He Oe || cacoe| Rake || Cage: | oto: | oer: | Saas | os7s | o¥et 0.350 355 | 0.341 | 0328 | 0315 | 0.303 | 0.291 | 0.280 | 0.269 6 | 0319 | 0303 | 0289 | 0.275 | 0.262 | 0.250 | 0.238 | 0.227 | 0.217 | 0.207 7 | 0263 | 0.249 | 0.236 | 0.222 | 0.210 | 0198 | 0.188 | 0.178 | 0.168 | 0.159 8 | 0218 | 0.204 | 0.191 | 0.179 | 0168 | 0.157 | 0.148 | 0.139 | 0.130 | 0.123 9 | 0180 | 0.167 | 0.155 | 0144 | 0334 | 0.125 | 0316 | 0,108 | 0,101 | 0.094 10 | o149 | 0.137 | 0.126 | 0.116 | 0.107 | 0.099 | 0.092 | 0.086 | 0.078 | 0.073 az | 0423 | © 0.112 | 0.103 | 0.094 | 0.086 | 0.079 | 0.072 | 0.066 | 0.062 | 0.056 3z | 0.102 | 0.092 | 0.083 | 0.076 | 0.069 | 0.062 | 0.057 | 0.052 | 0.047 | 0.043 13. | 0.084 | 0.075 | 0.068 | 0.061 | 0.055 | 0.050 | 0.045 | 0,040 | 0.037 | 0.033 14 | 0.069 | 0.082 | 0.055 | 0.049 | 0.044 | 0.039 | 0.035 | 0.032 | 0.028 | 0.025 as | 0.057 | 0.051 | 0.045 | 0.040 | 0.035 | o.031 | 0.028 | 0.026 | 0.022 | 0.020 xe | 0.047 | 0.042 | 0.036 | 0.032 | 0.028 | 0.025 | 0.022 | 0.019 | 0.017 | 0.015 17 | 0039 | 0.034 | 0.030 | 0.026 | 0.023 | 0.020 | 0.017 | 0.015 | 0.013 | 0.012 18 | 0032 | 0.028 | 0.024 | 0.021 | 0.018 | 0.016 | 0.014 | 0.012 | 0.020 | 0.009 39 | 0027 | 0.023 | 0.020 | 0.017 | 0.014 | 0.012 | 0.011 | 0.009 | 0.008 | 0.007 20 | 0022 | 0.019 | 0.016 | 0.014 | o012 | 0.010 | 0.008 | 0.007 | 0.006 | 0.005 21 | oors | 0.015 | 0.023 | 0.011 | 0.009 | 0.008 | 0.007 | 0.006 | 0.005 | 0.004 22 | 0015 | 0.013 | 0.011 | 0.009 | 0.007 | 0.006 | 0.005 | 0.004 | 0.004 | 0.003 23 | 0012 | 0.010 | 0.009 | 0.007 | 0.006 | 0.005 | 0.004 | 0.003 | 0.003 | 0.002 24 | 0.010 | 0.008 | 0.007 | 0.006 | 0.005 | 0.004 | 0.003 | 0.003 | 0.002 | 0.002 2s | 0009 | 0.007 | 0.006 | 0.005 | 0.004 | 0.003 | 0.003 | 0.002 | 0.002 | 0.001 26 | 0007 | 0.006 | 0.005 | 0.004 | 0.003 | 0.002 | 0.002 | 0.002 | 0.001 | 0.003 27 | 0006 | 0.008 | 0.004 | 0.003 | 0.002 | 0.002 | 0.002 | 0,001 | 0.001 | 0.003 28 | 0100s | 0.004 | 0,003 | 0.002 | 0.002 | 0.002 } 0.002 | 0.001 | 0.001 | 0.001 29 | 0.002 | 0.003 | 0.002 | 0.002 | 0.002 | 0.001 | 0.001 | 0.003 | 0.003 | 0.000 30 | coos | 0.003 | 0.002 | 0.002 | 0.001 | o.001 | 0.002 | 0.001 | 0,000 | 0.000 40 | 0.000 | 0.000 | 0.000 | 0.000 | 0:000 | 0.000 | 0.000 | 0.000 } 0.000 } 0.000 so | ‘ooo | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 } 0.000 | 0.000 | 0.000398 Sruor Kevaranan Prover Biss Present Value dari 1 (lanjutan) Periode | 31% 32% | 33% | 34% | as% | 36% | 37% | 38% | 39% | aom 1 | 0.763 | 0.758 | 0.752 | 0.746 | 0.741 | 0.735 | 0.730 | 0.725 | 0.719 | 0.714 2 0.583 | 0574 | oses | 0.557 | 0549 | 0.541 | 0533 | 0.525 | 0.518 | 0510 3 44s | 0.435 | 0.425 | 0.416 | 0.406 | 0.398 | 0.389 | 0.381 | 0.372 | 0.364 4 5 0.340 | 0.329 | 0320 | 0310 | 0.301 | 0.292 | 0.284 | 0.276 | 0.268 | 0.260 0.259 | 0.250 | 0.240 | 0.231 |} 0.223 | 0.215 | 0.207 | 0.200 | 0.193 | 0.186 ote, | 0.173 | 0.165 | 0.158 | 0.151 | 0.145 | 0.139 | 0.133 0.198 | 0.189 a.1i6 | 0110 | 0,105 | 0.100 | 0.095 6 7 | 0451 | 0243 | 0.136 | 0.129 | 0,122 8 | 0115 | 0.108 | 0.102 | 0.096 | 0.091 | 0.085 | 0.081 | 0.076 | 0.072 | 0.068 9 0.088 | 0.082 | 0.077 | 0.072 | 0.067 | 0.063 | 0.059 | 0.055 | 0.052 | 0.048 10 | 0.067 | 0.062 | 0.058 | 0.054 | 0.050 | 0.046 | 0.043 | 0.040 | 0.037 | 0.036 11 | 0.051 | 0.047 | 0,043 | 0.040 | 0.037 | 0.034 | 0.031 | 0.029 | 0.027 | 0.026 0.039, | 0.036 | 0.033 | 0.030 | 0.027 | 0.025 | 0.023 | 0.021 | 0.019 | 0.018 13 | 0.030 | 0.027 | 0.025 | 0.022 | 0.020 | 0018 | 0.017 | 0.015 | 0.014 | 0.013 14 | 0.023 | 0.021 | 0.018 | 0.017 | oo1s | 0.014 | 0.012 | 0.011 | 0.010 | 0.008 15 | 0.017 | 0.016 | 0.014 | 0.012 | 0.011 | 0.010 | 0.009 | 0.008 | 0.007 | 0.006 16 | 0.013 | 0.012 | 0.010 | 0.009 | 0.008 | 0.007 | 0.006 | 0,006 | 0.005 | 0.005 17 | 0.010 | 0.008 | 0.008 | 0.007 | 0.006 | 0.005 | 0.005 | 0.004 | 0.004 | 0.003 18 | 0.008 | 0.007 | 0.006 | 0.005 | 0.005 | 0.004 | 0.003 | 0.003 | 0.003 | o.002 19 | 0.006 | 0.005 | 0.004 | 0.004 | 0.003 | 0.003 | 0.003 | 0.002 | 0.002 | o.002 20 | 0.005 | 0.004 | 0,003 | 0.003 | 0.002 | 0.002 | 0.002 | 0.002 | 0.001 | 0.001 21 | 0.003 | 0.003 | 0.003 | 0.002 | 0.002 | 0.002 | 0.001 | 0.001 | 0.001 | 0.001 22 | 0.003 | 0.002 | 0.002 | 0.002 | 0.001 | 0,001 | 0.001 | 0.001 | 0.001 | 0.002 23 | 0.002 | 0.002 | 0.001 | 0.002 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.000 24 | 0.002 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.000 | 0.000 | 0.000 25 | 0.001 | 0.001 | 0.001 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 26 | 0.001 | 0.001 | 0.001 | 0.000 | 0,000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 27 | 0.001 | 0.001 | 0,000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 28 | 0.001 | 0.000 | 0.000 | 0,000 | 0.000 | 0.000 | 0.000 | 0.000 | 0000 | 0.000 29 | 0.000 | 9.900 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 |.0.000 | 0.000 | 0000 30] 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.00 | 0.000 40° | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | o.000 | o.000 50 | 2000 | 9.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000nny AMPR A 399 Presei nt Value dar 4 (lanjutan) — — perlode | 41% 42% | 43% | 44% | asm 46% =| 47% | 48% | 49% | 50% 1 | 0.709 | 0.704 | 0.699 | os + | O50 | ose | oss | os 4 | 0.690 | 0.685 | 0680 | 0.676 | 0671 | 0.667 3 | 0357 | 0349 | 0342 482 | 0.476 | 0.469 | 0463 | 0.457 | 0.450 | 0.444 3 | oss | oes | ozs 0335 | 0.328 | 0.321 | 0315 | 0.308 | 0.302 | 0.296 ‘| oa | oars dass | cass | os | o2a0 | o2i4 | 020 0.203 | 0.198 : . 0.162 | 0.156 | 0.151 | oss | 0.41 | 0.236 | 0.132 oa | ox 5 | Goo | ae a | hae Se | 0.095 | 0.091 | 0.088 eb oo 82 | 0.078 | 0.074 | 0.071 | 0.067 | 0.064 | 0.061 | 0.059 8 aes We 0.057 | 0.054 | 0.052 | 0.048 | 0.046 | 0.043 | 0.041 | 0.039 eel 3 | 0.040 | 0.038 | 0.035 | 0.033 | 0.031 | 0.029 | 0.028 | 0.026 10 ‘030 | 0.028 | 0.026 | oo2¢ | 0.023 | 0.021 | 0.020 | 0.018 | 0.017 n1 | 0023 | 00a | 0.020 | 0018 | o017 | oor | aore | ota | 0012 | oont 2 | core | oos | oor | oor3 | ote | 012 | oot | o009 | 0008 | come 2 | doi: | ooio | coro | 009 | o0cs | o.cc7 | 007 | 0.006 | 0.006 | os 3 | Geos | 0.007 | 0.007 | oo0s | coos | o.00s | 000s | oa0s | 0004 | oom 2 | Gos | 000s | 0.005 | 000 | ocos | 0.003 | 0.903 | o.008 | 0.003 | 0.002 te | 0004 | 0.008 | 0.003 | 003 | 0.003 | coor | oocz | 0.02 | oom? | o02 3 | Soos | 03 | o.o2 | co02 | a0o2 | 02 | ooo: | aco | Dont 0.003 17 | Geoz | oocz | 0.002 | ons | ooo | ooo: | aco: | 090% | Dont 0.001 1 | oor | ooo | coor | coos | ooo | ocx | ooo | ane | O 01 | 0.000 33 | Soo: | oot | 0001 | 0001 | coor | 002 | 0.000 | 0.000 0,000 } 0.000 a1. | 0001 | 0.001 | 0.001 | 0.000 | 0.000 | o.oo | oom 0.000 | 0.000 | 0.000 2 | Got | 0.000 | 0.000 | 0.09 | 0.000 | 0.000 | oom 0.000 | 0.000 | 0.000 2 | 280 | 0.000 | o.oo | 0.000 | occ0 | ovo | one | o ‘090 | 0.000 | 0.000 2 | Sooo | 0.000 } aco | 000 } 0.000 | 000 | Home 0.000 | 0.000 | 0.000 3 | eco | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 0.000 | 0,000 | 0.000 | 0.000 I ‘1000 | 0.000 | cco | 0.000 | aoc | 0000 | can) | Oe 0.000 ae | ooo | goon | 8 | Simo | camo | ogee | oom | camo | 95 | ooo 7 | Gee0 | 0.000 | coo | 0.000 | 0.000 | Om oon | 200 | 0.000 ao 33 | co | 0.000 | 0.000 | 0000 | oom nace | a000 | e000 | 0000 | Some 3% | ooo | 0.000 | a.o00 | 0.000 | 9.000 0.000 | 0.000 | 0. ,0 zo | coo | 0.000 | a.o00 | 0000 | 0000 1.000 | 0.000 | 0.000 | 0.000 | 0.000 r 0 so | 0.000 | 000 | avo | ooo | 0000 .000 | 0.000 | 0.000 | 0.000 | 0.000400 APPENDIX A-2 ‘Sruoi Kevavaxsw Prove Biss Present Value of Annuity dari 1 Periode | 1% 2% 3% 4% 5% 6% 1% 8% 9% | 10% 1 | 0990 | 0980 | o971 | 0952 | 0952 | 0.943 | 0.935 | 0.926 | 0.917 | 0.909 2 | 1970 | 1942 | 1913 | 1.886 | 1.859 | 1.833 | 1808 | 1.783 | 1.759 | 1.736 3 | 291 | 2884 | 2829 | 2775 | 2.723 | 2673 | 2624 | 2577 | 2.531 | 2.487 4 | 3902 | 3.808 | 3.717 | 3630 | 3546 | 3.465 | 3.387 | 3.312 | 3.240 | 3.170 S| 4as3 | 4713 | 4sa0 | 4.452 | 4329 | 4.212 | 4.100 | 3.993 | 3.890 | 3.792 6 | 5.795 | soo1 | s.4i7 | 5.242 | 5.076 | 4917 | 4.767 | 4.623 | 4.086 | 4.355 7 | 6.728 | 6.472 | 6.230 | 6.002 | 5.786 | 5.582 | 5.389 | 5.205 | 5.033 | 4.868 8 | 7652 | 7.325 | 7.020 | 6.733 |.6.463 | 6.210 | 5.971 | 5.747 | 5.535 | 5.335 9 | 8565 | 8162 | 7,786 | 7.435 | 7.108 | 6.802 | 6515 | 6.247 | 5.995 | 5.759 to | 9471 | 8983 | 8.630 | 8.11 | 7.722 | 7.360 | 7.024 | 6.710 | 6.418 | 6.145 31 | 10368 | 9.787 | 9.263 | 8.760 | 2.306 | 7.887 | 7.499 | 7.139 | 6.805 | 6.495 32 | 12255 | 10.575 | 9.954 | 9.385 | a.g63 | e384 | 7943 | 7.536 | 7.161 | 614 43° | 12.134 | 11.348 | 10.635 | 9.986 | 9.394 | 8.953 | 8.358 | 7.904 | 7.487 | 7.103 44 | 13.004 | 12,106 | 11.296 | 10.563 | 9.899 | 9.295 | 8.745 | a.zaa | 7.786 | 7.367 15 | 13.865 | 12.849 | 11,938 | 11.118 | 10.380] 9.712 | 9.108 | 8.sss | 8.061 | 7.606 16 | 14.718 | 13.578 | 12.561 | 11.652 | 10.838 | 10.106 | 9.447 | 8.952 | 8.313 | 7.825 47 | 15.562 | 24.292 | 13.166 | 12.166 | 11274] 10.477 | 9.763 | 9.122 | asaa | 8024 48 | 16.398 | 14.992 | 13.754 | 12.659 | 11.690 10.828 | 10.059 | 9.372 | 8.758 | 8204 39 | 17.226 | 15,678 | 14,324 | 13.134 | 12.085 | 11.158 | 10.336 | 9.604 | 8.950 | 8362 20° | 18.046 | 16.351 | 14.877 | 13.590 | 12.462 | 11.470 | 10.594 | 9.818 | 9.129 | aii 21 | 18.857 | 37.012 | 15.415 | 14.029 | 12.821 | 11.764 | 10.836 | 10.017 9.292 | a.649 22 | 19.600 | 17.658 | 15.837 | 24.451 | 13.163 | 12.081 | 11.061 | 10.201 | 9.442 | 8772 23 | 20.456 | 18.292 | 16.444 | 14.857 | 13.489 | 12.303 | 11.272 | 10.371) 9.580 | 8883 24 | 21.243 | 18.914 | 16.936 | 35.247 | 13,799 | 12.550 | 11.469 | 10529 | 9707 | 898s 25 | 22.023 | 19.523 | 17.413 | 15.622 | 14.094 | 12.783 | 11.654 | 10.675 | 9823 | 9.077 26 | 22.795 | 20.121 | 17.877 | 35.983 | 14.375 | 13.003 | 12.826 | 10810| 9.929 | 9.161 37 | 23560 | 20.707 | 18.327 | 36.330 | 14.643 | 13.211 | 11.987 | 10935 | 10.027 | 9237 28 | 24316 | 21.281 | 18.764 | 16.663 | 14.898 | 13.406 | 12137 | 11.051 | 10116 | 9.307 29° | 25.066 | 21.844 | 9.188 | 16.984 | 15.141 | 13.591 | 12278 | a2ase | 10198 | 9370 30 | 25.808 | 22.396 | 19.600 | 17,292 | 15.371 | 13.765 | 12409 | 11.288 | 10.278 | 927 “0 | 32.895 | 27.355 | 23.135 | 18.793 | 17.159] 15.046 | 13.332 | 11.925 | 10.757 | 9.779 50 | 39496 | aaazé | 25.730 | 22.482 | 10.255 | 25.762 | sa:¢02 | 12.039 | aosee | 997s401 Present Ve /alue of Annuity dari 1 (lanjutan) perode | 19% | 12% | 13% dae | 15% | s6% | 17% | 18% | 19% | 20% 1 | 0901 | 0893 | oes ¥ 1713 1690 | 1668 Re 0.870 | 0.862 | 0.855 | 0.847 | 0.840 | 0.833 2 | SEER | 3000 | ASe | eer | eas | os, | ass see | ser | 18 3,102 ; 2.283 | 2.246 | 2.210 | 2.174 | 2.140 | 2.106 4 3.037 | 2974 | 2914 | 2 Sa listses: [caer [Sasi .a5s | 2,798 | 2.743 | 2.690 | 2.639 | 2.589 ! 433 | 3.352 | 3.274 | 3.99 | 398 | 3.410 | 3.261 4231 | 4 wa a1 | ait | 3908 | sna | .7e¢ | sieas | seo | 54oe | 3.410 3.326 Py ama’ |-asee, [/ aaa) dane | Kaeo: de | az [S42 3.706 | 3.605 SUG} 4968 | a7a0 | esp’) ar | a2 | gau7 | aor | 3454 3.837 3 S37 | saze | sanz | asas | 47m | ssor | casa | ats | 4363 4.031 wo | 53 3.650 | 5.426 | s.2i6 | 5.019 | 4.833 | 4559 | 4.494 | 4.339 | 4.192 aur | 6207 | 5938 | s.sa7 | s4s3 | 5.234 | sio29 | 4.036 | 4656 | 4.486 | 4327 x2 | 64sz | 6194 | sons .| S600 | s421 | 5197 | 4988 | 4.793 | 4.622 | 4.439 13 | 6750 | 6424 | 6azz | seaz | sas | 5.342 | sass | 4910 | 4.735 | 4533 te | 6982 | 6.28 | 6302 | 6.002 | 5.726 | sa6s | 5229 | S.cos | 4.202 | 4611 a5 | zag | 6ei1 | 6462 | 6.242 | S247 | 5575 | 5.824 | 5.92 | 4876 | 4.675 as | 7379 | 6974 | 6.604 | 6.265 | 5.954 | s.c6a | 540s | 5.262 | 4.938 | 4.730 a7 | 759 | 7.120 | 6.729 | 6.373 | 6.047 | 5.749 | S475 | 5.222 } 4990 | 4.775 ts | 7702 | 7250 | 6840 | 6467 | 6.128 | Sei8 | 5534 | 5.273 | 5.033 | 4.612 33 | 7830 | 7366 | 6938 | ssso | 6298 | 5.77 | Sse | 5316 | 5.070 | 4.063 30 | 7963 | 7469 | 7.025 | 6623 | 6.259 | S29 | size | 5.628 | 5.127 | 4.292 21 | sors | 7562 | 7102 | 6687 | 6312 | 5973 | so65 | S384 | 5:27 | 4.898 | give | 7045 | 7270 | 67a | caso | Goi: | 5696 | S410 | 5249 | A908 2 | Soe | nase | 7230 | 6792 | 6399 | Goa | 5.723 | $432 | 5.67 | A025 | Goce | 77ea | 7283 | 6ass | 6434 | 6073 | 5.746 | 545i | 582 | 0887 | baer | yaaa | 7330 | 6673 | 6464 | 6.097 | 5.765 | 5.467 | 5.95 | 4947 ae |ases | 26 | 7372 | 6906 | seed | came, | S783 | Saso | 5.208 | Cost 25 [-EEES | 73es | 240s | 0985, | este | eabe: | 5790, | S482, | 54R5 | Fee ay Bees | Toes | rae | Goek | Osan | 682. | SED | Ge | Se Laas | Bae | Toee «| gan | eee | GER aU PS | See | ee aoe Bef eee | foes | gage | ius! | Ae MAE?) SHS LY BET | SAP PE eek cee, | anes | rank | ae SN a 4997 we bane | vse jt es (ie pe 5.262 | 4.999rn Sruct Ketavaran Prover iss Present Value of Annuity dari 2 (lanjutan) Periode | 21% | 2a% | 23% | 24% | 25% | 26% | 27% | 28% | 29% | 30% 0a26 | oaz0 | 0813 | 0806 | 0.800 | 0.794 | 0.787 | 0.781 | 0.775 | 0765 [SR | Se fice |i | ae ies ish | ae |e [a a aa ee ar | aa77 | 403s | 3902 | 3.776 | 3656 | 3503 | 3.437 | 3.335 | 3.239 | 3.147 2 | 427 | aaz7 | ages | 3.051 | 3725 | 36068 | 3493 | 3.387 | 3.286 | 3.190 a3 | 4362 | 4203 | 4053 | 3912 | 3780 | 3656 | 3538 | 3.427 | 3.322 | 3.223 a4 | 4432 | 4265 | 4108 | 3962 | 32a | 3695 | 3573 | 3.459 | 3.351 | 3.209 as | aaag | 4315 | aisa | aor | 3as9 | 3.726 | 3.601 | 3.483 | 3.373 | 3.268 4536 | 4357 | asso | 4038 | 3.87 | 3.751 | 3623, | 3503 | 3.390 | 3.283 a7 | 4376 | 4391 | 4059 | agi0 | 3.771 | 3640 | 3518 | 3518 | 3.403 | 3.295 az | agos | 4419 | 4.203 | 4.080 | 3928 | 3.786 | 3654 | 3529 | 3.413 | 3.308 aa | 463s | aaaz | 4.263 | 4.097 | 3.942 | 3.799 | 3664 | 3539 | 3.421 | 3.311 20 | 4657 | 4460 | 4.279 | 4110 | 3954 | 3808 | 3.673 | 3.606 | 3.427 | 33:6 2 | 4675 | 4476 | 4.292 | aazr | 3963 | 3816 | 3.679 | 3551 | 3.432 | 3320 22 | 4690 | sags | a302 | 4130 | 3970 | 3822 | 3684 | 3ss6 | 3436 | 3323 23 | 4703 | aas9 | 4.312 | 4437 | 3.976 | 3.827 | 3689 | 3559 | 3.438 | 3.325 24 | 4713 | aso7 | 4318 | aes | 3981 | 3832 | 3692 | 3562 | 3.441 | 3327 2 | 47a1 | 4534 | 4323 | 447 | 3.985 | 3836 | 3.604 | 36a | 3.442 | 3329 16 26 | 4.728 | 4520 | 4328 | 4151 | 3988 | 3837 | 3.696 | 356s | 3.444 | 3.330 27 | 4734 | 4524 | 4332 | 4.154 | 3.990 | 3839 | 3.698 | 3567 | 3.45 | 3.330 28 | 4739 | 4sze | 4335 | 4ss7 | 3.992 | aaao | 3.699 | 3s6a | 3.406 | 2331 29 | 4743 | aaa | 4.337 | a1se | 3996 | 38e1 | 3.700 | 369 | 3.446 | 3332 30 | 4746 | 4534 | 4.339 | 4160 | 3995 | 3842 | 3.701 | 3.570 | 3.4a7 | 3332 40 | 4.760 | 44a | 4347 | a166 | 3910 | 3e6 | 3.703 | 3571 | a.4as | 3.333 50 | 4762 | 4545 | 5348 | 167 | 3910 | a6 | 3.703 | 3571 | 3.448 | 338403 Pre: sent Value of Annuity dari 1 (lanjutan) ride | 31% | 32% [re | 3% | se | ase [sen [am] sem | aan _| am 1 | 0.763 | 0758 % tae (4. ei ea 0.746 || 0.741 | 0.735 | 0.730 | 0.725 | 0.719 | 0.714 2) ta | tase) ast | sam | aae9 | sa7s | 262 | 1250 1237 | 1.224 S| Se | 1268 | zee. || ania] sane | es | i. fae 1609 | 1.589 eae | cee 2,062 | 2.029 | 1.997 | 1966 | 1935 | 1906 | 1.87 | 1849 : . 2302 | 2260 | 2.220 | 2181 | 2143 | 2106 | 2.070 | 2.035 ee ey 2534 2433 | 2.385 | 2.339 | 2.296 | 2.251 | 2.209 | 2.168 E 739 | 2.677 2562 | 2508 | 2.455 | 2404 | 2.355 | 2.308 | 2.263 a | 2954 | 2786 | 2721 | 2658 | 2598 | 2540 | 2485 | 2432 | 2.380 | 2392 9 | 2942 | 2868 | 2798 | 2730 | 2665 | 2603 | 2544 | 2487 | 2432 | 2379 10 | 3009 | 2930 | 2955 | 278 | 275 | 2649 | 2587 | 2527 | 2469 | 2414 a1 | 3.060 | 2978 | 2499 | 2aze | 2.752 | 2683 | 2608 | 2555 | 2496 | 2438 a2 | 3t00 | 3013 | 2931 | 2853 | 2.779 | 2.708 | 26a | 2576 | 2515 | 2456 33 | 3129 | 3060 | 2956 | 2076 | 2799 | 2727 | 2658 | 2592 | 2529 | 2.468 a4 | gasz | 3051 | 2974 | 2892 Zra0 | 2.670 | 2.603 | 2.539 | 2478 as | 370 | 3.076 | 2988 | 2905 2750 | 2679 | 2611 | 2.546 | 2484 as | sas3 | 3.088 | 2999 | 2914 2787 | 2685 .| 2616 | 2.551 | 2489 37 | 393 | 3097 | 3.007 | 2921 2763 | 2.690 | 2621 | 2.555 | 2492 3 | 3201 | aace | stor | 2926 | zee | 2767 | 2603 | 2.626 | 2557 | 2408 33 | 3207 | aio | ot | 2930 | 20s | 2.770 | 2606 | 2626 | 2559 | 2400 33 | Soir | aaa | 3020 | 2933 | 2850 | 2.772 | 2698 | 2627 | 2561 | 2497 ar | sais | sare | 3023 | 29s | zasz | 2773 | 2099 | 2629 | 2562 | 2008 2 | Soir | aaie | 3025 | 2936 | 2053 | 2775 | 2.700 | 2629 | 2562 | 2008 2 | Zara | aaz0 | s0a6 | 29as | 2ase | 2.775 | 2.701 | 2680 | 2563 | 2008 23 | 32e | gaza. | aoa | 2x9 | 2ass | 2776 | 2701 | 263 | 2563 | 288 24 | BoE | daz | ave | 2930 | 2258 | 22777 | 2702 | 2632 | 2569 | 2439 ag | azza | az | s0v8 | 2940 | 2as6 | 2777 | 2702 | 26at | 2568 | 2200 26 | 3223 | Sioa | a29 | 2900 | 2ase | 2777 | 2702 | 2631 | 2568 | 2500 | 33% | 3ibe | 3009 | 2o40 | 2857 | 2777 | 2702 | 2691 | 2568 | 2500 mee] 2 | Eee | guam | mse | ame | Bare | dome BE aes | So 2 | 3225 | ze | bozo | ages | 2857 | 2778 | 2702 | 2680 | 2568 | 2500 dT ans |, saa eae au ae | iret eae Ie ee eC tow dl akidll Seidl fecal reall ecSruo1 Ketavatan Peover Bg 404 Present Value of Annuity dari 1 (lanjutan) Periode | aim | aam | aan | am | 45% | 46% | 47% | 48% | 49% | Som 1 | 0709 | o7os | osss | oss | o6s0 | asss | 0689 | D6 | 0672 | assy 2 | aaia | 2300 | sass | aarr | 16s | ase [tues 2032 | 2422 | sai a | asea | iso | xss0 | xsiz | 2493 | 2475 | 1458 | hee | Lae a ‘ 3 7 1.695 . Leos 4 | 1922 | 1795 | 1.769 | 2.744 | 1.720 s | 2001 | 1969 | 1937 | 1906 | 1876 | 1846 | 1.818 | 1.790 | 1.763 | 1.737 6 | 2429 | 209: | 2058 | 2018 | 1983 | 1949 | 1917 | 1.885 | 2954 | 1.824 7 | 22s9 | 247% | 2135 | 2096 | 2.057 | 2.020 | 1984 | 3.949 | 1.916 | 1.983 3 | 2283 | 2237 | 2193 | 2150 | 2.109 | 2.069 | 2.030 | 1.993 | 1.957 | 1.922 3 | 2328 | 2280 | 2233 | 2187 | 2244 | 2102 | 2061 | 2.022 | 1.984 | 1.998 zo | 2360 | 2310 | 2261 | 2.233 | 2.168 | 2.125 | 2.083 | 2.042 | 2.003 | 1.965 . x 2.05 | 1.977 a1 | 2383 | +2331 | 2.280 | 2.232 | 2185 | 2140 | 2.097 | 2.055 32 | 2400 | 2346 | 2294 | 2.244 | 2196 | 2.151 | 2.107 | 2.064 | 2.024 | 1.985 33 | 2a. | 2356 | 2303 | 2.253 | 2.204 | 235e | 2413 | 2.071 | 2.029 | 1990 1a | 2419 | 2363 | 2310 | 2259 | 2210 | 2463 | 2418 | 2.075 | 2.033 | 1993 as | 2425 | 2369 | 2315 | 2.263 | 2214 | 2166 | 2121 | 2.078 | 2.036 | 1.995 1s | 2429 | 2372 | 2318 | 2.266 | 2216 | 2169 | 2123 | 2.079 | 2.037 | 1997 17 | 2432 | 2375 | 2.320 | 2.268 | 2218 | 2170 | 2.125 | 2.081 | 2.038 | 1.998 as | 2434 | 2377 | 2322 | 2270 | 2.219 | 2.172 | 2126 | 2.082 | 2.039 | 1.999 ag | 2435 | 2378 | 2323 | 2271 | 2.220 | 2172 | 2.126 | 2.082 | 2.040 | 1999 20 | 2436 | 2.379 | 2324 | 2271 | 2.221 | 2173 | 2327 | 2.083 | 2.040 | 1.999 a1} 2437 | 2379 | 2324 | 2272 | 2221 | 2.173 | 2.127 | 2.083 | 2.040 | 2.000 22 | 2438 | 2.380 | 2325 | 2272 | 2.222 | 2173 | 2127 | 2.083 | 2.041 | 2.000 23 | 2438 | 2380 | 2325 | 2.272 | 2.222 | 2174 | 2127 | 2.083 | 2.041 | 2.000 24} 2438 | 2380 | 2325 | 2272 | 2.222 | 2174 | 2127 | 2.083 | 2041 | 2000 2s | 2439 | 2381 | 2325 | 2272 | 2222 | 2174 | 2128 | 2.083 | 2.041 | 2.000 26) 2439 | 2.381 | 2.325 | 2.273 | 2.222 | 2174 | 2128 | 2.083 | 2.041 | 2.000 27 | 2439 | 2381 | 2.325 | 2273 | 2.222 | 2174 | 2128 | 2.083 | 2041 | 2.000 28 | 2439 | 2381 | 2325 | 2.273 | 2.222 | 2.174 | 2128 | 2.083 | 2042 | 2.000 29 | 2439 / 2.381 | 2.326 | 2.273 | 2.222 | 2.174 | 2.128 | 2.083 | 2.041 | 2.000 30 | 2439 | 2.381 | 2.326 | 2.273 | 2.222 | 2174 | 2128 | 2.083 | 2.041 | 2.000 40 f 2438 | 2.381 | 2.326 | 2.273 | 2.222 | 2176 | 2128 | 2.083 | 2.041 | 2.000 50 2439 | 2381 | 2326 | 2.273 | 2.222 | 2.174 | 2.128 | 2.083 | 2.041 | 2.000panracl anneal 405 LAMPIRAN 3 LUAS ARE :A DI BAWAH KURVA NORMAL = Przao) Tie - 00 01 0.2 Ln 03 | 04 os | 06 | o7 | 08 | 29 00 5000 | 4960 | .4s oo | eae | 4562 0 (Toe ee “gson | 476. | 4721 | 4582 | 4642 o2 | 4207 | 4168 | 4129 we “yaoa | 4364 | 4325 | 4286 | 4247 02 | Son | azes. | 37a 4090. | .4052 “ois | 3974 | 3936 | 3897 | 3859 os | 38 | as | anor | 2660 ‘3632 | 3594 | 3587 | 3520 | 3483 a | 3 3372 | 3336 | 3300 “Sea | 3228 | 3192 | 2156 |.3121 os | 3085 | 3050 | 3015 | 2981 | 2946 q “ 2912 2843 | 2810 | 2776 os | ams | 2709 | 2076 ‘261 | 2611 2578 ‘pst | 2483 | 2458 0.7 2420 2389 2358 2327 | 2296 2266 [2206 | 2177 | 2148 08 2119 | 2090 | .2061 2033 | .2005 1977 1922 | 1894 | 1867 0s 1841 | .1814 1788 | .1762 | .1736 A711 ‘1660 | 1635 | 1612 10 (1587 | 1562 | .1539 4515 | 1492 46g | 1446 | 1423 4.2402 | 1379 cat ‘Zas1 | (4230 | ‘1210 | 1190 | 2170 ga 3387 | 335 | 1324 | 2292 Yo | ausa | -az3a | 1312, | 2088. | 2075 ‘tose | 2038 | .1020 | .1003 | .0985 “ogeg | .0853 | .0838 | .0823 13. | 0968 | 0951 | .0934 | 0928 | .0908 0885 Ta | ‘cao | 0893 | .0778 | 0864 | 0749 “o7as | ,0722 | .0708 | 0694 | 0682 as |.066s | 065s | 0643 | 0630 | 0688 606 | .0594 | .0582 | .0572 | 0559 TE | oses | .0537_ | .0526 | 0st6 | she “pags | .o4as | .0475 | .046s | 0455 35 | peas | .o4s6 | 0427 | 0418 | 0408 “pao | ,0392 | .0384 | .0375 |.0367 + |osse | 0352 | .oaee | 0336 | 0805 “pg22_| .0314 | .0307 | 0302 |.0294 +5 [-o0e7 | ‘o2sa | 0274 | 0268 | 0262 “o956 | .0250 | .0244 | .0239 |.0233 a0 | azn | 0222 | o2s7 | 922 ) 0207 ‘p20 | 0197 | .0192 | .0388 | 0183 20 {cara | ‘0x7 | 0170 | 0166 | fase “pase | .0is4 | .0150 | .0146 |.0243 22 | or39 | .o136 | 0332 | 0228 (0125 ‘puza | 011g | .0136 | 0233 |.0220 23 |.0107 | 0104 | 0102 10096 “o09a | .oog1 | .0089 | .0087 | .0084 23 |-Soe2 | 0080 | 0078 | 0075 | 0078 “oo71 | .0069 | .0068 | .0066 | .0064 0057 | 0055 {9052 | .0052 | .0051 | 0089 }.0048 0041 ‘0040 | ,0039 | .0036 | .0037 |.0038 10032 ‘0030 | ,0029 | .0028 | .0027 | .0026 “o022 | .0021 | .0022 | .0020 }.0039 “oo1s | .0035 | 0024 } 0024 25 |.0062 | .0060 | .0058 xe | 00a7 | 0045 | 0044 | 0045 27 | 003s | 0034 | .0033 | 0032 “ooza | .0023 | .0023 28 |.0026 | .0025 r 3s |.o0s | cox | 0037 | 0017 9016 0036 3.0 | 00135 35 | 000233, 40 | .0000317 4s | 00000340 5.0 | 000000287