BAGIAN 3

EKONOMI
SUMBER DAYA AIR

MATEMATIKA KEUANGAN DAN

APLIKASINYA (1)

PROF DR IR NUR YUWONO, DIP HE

JURUSAN TEKNIK SIPIL FT UGM
YOGYAKARTA 1
SOAL-SOAL LATIHAN
15. If you hear that someone placed into his bank account the
single sum of $ 25.000,- at the end of 1950, that he took out
of his account an annual sum of $ 5.000,- beginning at the
end of 1960 and up to the end of 1967 and that his account
was worth $ 39.300,- at the beginning of 1968. What interest
does this account earn?
16. If you place $ 25.000,- in a bank account, earning 6% interest
at the end of 1968, for how many years in succession can
you draw $ 5.000,- from this account, starting at the end of
1981, before your account is depleted?
17. If you have a bank account at 7% interest and you wish to
withdraw an annual sum of $1.000,- starting at the end of
1980 up to the end of 1989 and annual sum of $2000,-
starting at the end of 1990 and up to the end of 1999, then
what equal annual sums should you place into this account
starting at the end of 1970 and up to the end of 1979?

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SOAL-SOAL LATIHAN
18. If a bank offers you that you can loan $1.000,- per year,
starting at the end of 1968 and up to the end of 1972;
Provided that you make annual repayments of $1.750,-
per year, starting at the end of 1973 and up to the end of
1977, then what interest rate would you be paying?
19. A bank offer you a certificate that yields $ 600,- per year,
starting at the end of 1969 and up to the end of 1988,
plus one single payment of $ 10.000,- at the end of
1988. Assuming that you wish to earn 7% interest on
your investment, how much are you willing to pay for this
certificate at the end of 1968?
20. -
21. -
22. -

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SOAL-SOAL LATIHAN
23. If you place the following deposits in a bank account at
10% interest: $5.000,- at the end of 1961; $6.000,- at the
end of 1962; and so on, increasing every deposit by
$1.000,- until the last deposit of $15.000,- is made at the
end of 1971. Then what will be the value of this account
at the end of 1980.
24. How large a fund would you have to place in a bank
account earning 7% interest, at the end of 1970, so that
you can withdraw from this account the following
amounts: $6.000,- at the end of 1975; $5.000,- at the
end of 1976; $4.000,- at the end of 1977; $3.000,- at the
end of 1978; $2.000,- at the end of 1979; and the
account would be depleted after the last withdrawal, at
the end of 1979

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 JAWABAN SOAL LATIHAN
$25.000 f1
Trial  i =8%
i=?
15 n = 17  f1 = 3,700
50 60 67
n = 8  f2 = 10,637
$25.000.f1 <?> $5.000.f2 +$39.300 $ 5.000
$92.500,- <?> $92.485,-  OK
f2
$39.300

$ 25.000 n2 = 12  f2 = 0,497

i = 6% Trial n1 = 16 years
16
n1 = 16  f1 = 10,106
68 81 n=?
$25.000 <?> $5000. f1.f2
f2 f1 $5.000
= $25.113
 OK  for 16 years
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 JAWABAN SOAL LATIHAN
f4 i = 7%
A =?
89 90 99 n1 =10  f1 = 7,024
17
70 79 n2 = 10 f2 = 7,024
f1 $ 1.000 $ 2.000 n3 =10  f3 = 0,5083
f2
f3 n4 =10  f4 =13,816
A.f4 =$1000.f1 + $2000.f2.f3  A = ($14.164/$13,816) = $1.025

f2
A= $ 1.000 i=? n1 = 5  f1 = 3,605
18 73 77 n2 =5  f2 = 6,353
68 72 Trial i = 12%

$1.750 f2.$1.000 <?> f1.$1.750

f1
$6.353 <?> $6.309
 OK  I = 12 %
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 JAWABAN SOAL LATIHAN
P=?
i = 7%
19
69 88 n1 =20  f1 = 10,594
$ 600
f1 n2 = 20 f2 = 0,2584
f2
$10.000
P = $600.f1 + $10.000. f2 = $8.940

20

21

22

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 NILAI UANG DALAM WAKTU
( X n  X1)
 PEMBAYARAN TAHUNAN EUA  f n  f n .X
n 1
NAIK SECARA BERTAHAP TEUA  X 1  EUA
EUA = Equivalent

X Uniform Annual
EUA
TEUA = Total Equivalent
X1
TEUA Xn Uniform Annual

0 1 2 3 4 5 6 7 n

X EUA

X1
TEUA Xn

0 1 2 3 4 5 6 7 n 8
 NILAI UANG DALAM WAKTU
( X1  X n )
 PEMBAYARAN TAHUNAN TURUN EUA  f n  f n .X
n 1
SECARA BERTAHAP TEUA  X 1  EUA
EUA (-) EUA = Equivalent
X Uniform Annual
TEUA = Total Equivalent
X1
TEUA Xn Uniform Annual

0 1 2 3 4 5 6 7 n

EUA (-)
X

X1
TEUA Xn

0 1 2 3 4 5 6 7 n 9
 JAWABAN SOAL LATIHAN
f2 n = 11  fn = 4,060
i= 10% f1 $15.000 EUA = fn (xn-x1)/(n-1)=
$5.000 EUA = 4,060. $1.000 = $4.060
TEUA TEUA = X1 + EUA
23 = $9.060
61 71 80
n = 11  f1=18,531
F= TEUA f1.f2= $9.060.18,531.2,358= $395.887,- n = 9  f2 = 2,358

P=? F=?
i = 7%
24 n = 5  fn = 1,860
74 75 79
70 EUA (-) = fn(xn-x1)/(n-1) =
TEUA
$ 2.000 = 1,860. $1.000 = $1.860,-
EUA (-) TEUA = $6.000 - $1.860 = $4.140
f2 f1
$6.000 n1 = 5  f1 = 4,100
n2 = 4  f2 = 0,7629
P = TEUA.f1.f2 = $4.140.f1.f2= $12.949,- 10
SPECIAL PROBLEMS
 If you hear that a driver of a Rural Irrigation Project placed 10%
of his salary, for the future life in a bank account earning 7%
interest, started when he was 24 years old until he was retired at
56 years old. His salary was Rp 15.000.000,- per year. If he
wished to withdraw an annual sum of Rp 15.000.000,- per year,
for how many years in succession could he draw from his
account starting at 57 years old before his account was depleted.
 A driver of an Irrigation Project had a salary increasing every ten
years. At the first ten years his salary was Rp 12.000.000,- per
year; the second ten years his salary was Rp 18.000.000,- per
year and the third ten years was Rp 24.000.000,- per year. For
the future life, he planned to place 10% of his salary per year in a
bank account earning 8% interest, started when he was 26 years
old until he was retired at 56 years old. How large a sum of
money which could he withdraw every year, beginning at 57
years old and ending at 90 years old.

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DIPERLUKAN SUATU KOMITMEN YANG
TINGGI DAN KERJA KERAS, SERTA
PERHITUNGAN YANG MASAK DALAM
MENATAP MASA DEPAN

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