tugas ukd 3 skia

TABEL KOEFISIEN DISCOUNTING (Df)KOEFISIEN DISCOUNTING (Df), COMPOUNDING (Cf) DAN ANUITY FACTOR (Af)

Interest rate (i) = 1.80% perbulan

t(Cf) (Df) (Af)

tComp. factor Disc. Factor Anuity factor

0 1.0000000000 1.000000000000 0.0000000000 01 1.0180000000 0.982318271120 0.9823182711 12 1.0363240000 0.964949185776 1.9472674569 23 1.0549778320 0.947887215890 2.8951546691 34 1.0739674330 0.931126931109 3.8262815643 45 1.0932988468 0.914662997155 4.7409446711 56 1.11297822600 0.89849017406 5.63943479377 67 1.1330118341 0.882603314450465 6.52203808992286 78 1.1534060471 0.866997361944643 7.38903539271054 89 1.1741673559 0.851667349539225 8.24070296245869 910 1.1953023683 0.836608398654155 9.0773110272468 1011 1.216817811 0.821815715516346 9.89912673407107 1112 1.2387205316 0.807284592583147 10.7064113195649 1213 1.2610175011 0.79301040565019 11.4994219174418 1314 1.2837158162 0.778988610669263 12.2784103525853 1415 1.3068227009 0.765214745071986 13.0436250619558 1516 1.3303455095 0.751684425198683 13.7953098148814 16

t : satuan waktu bulan, tahun

(1+i) t 1/(1+i)t {(1+i)t-1} / {i.(1+i)t}


Interest rate (i) = 21.60% per tahun

(Cf) (Df) (Af)Comp. factor Disc. Factor Anuity factor

1.0000000000 1.000000000000 0.00000000001.21600000 0.8223684211 0.82236842111.47865600 0.6762898199 1.49865824101.79804570 0.5561593902 2.05481763922.18642357 0.4573679198 0.39805976802.65869106 0.3761249342 0.62387506583.23296832 0.30931326911 3.19762375465

3.93128948308341 0.254369464351145 3.451993218397024.78044801142943 0.209185414776807 3.661178636625735.81302478189819 0.172027479238776 3.833206114366647.06863813478819 0.141469966477496 3.974676081539228.59546397190245 0.116340432960632 4.0910165139653710.4520841898333 0.095674698157976 4.1866912123057712.7097343748373 0.078679850490062 4.2653710624217115.4550369998022 0.064703824390715 4.3300748870800218.7933249917595 0.053210381905922 4.3832852687812922.8526831899796 0.043758537747444 4.42704380676066

(1+i) t 1/(1+i)t {(1+i)t-1} / {i.(1+i)t}

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI

(Benefit diterima tiap bulan, sedangkan pengembalian pokok diterima diakhir investasi)Modal awal Rp 550,000,000 ,-Rendemen i = 5% per bulan t =

Arus Total Rendemen Penerimaant Modal Besarnya i = bulan t

bln in/(out) investasi 5% (benefit + ke pada bulan t pada bulan t per bulan modal)1 2 3 4 5

0 550,000,000 0 0 0 1 0 550,000,000 27,500,000 27,500,000 2 0 550,000,000 27,500,000 27,500,000 3 0 550,000,000 27,500,000 27,500,000 4 0 550,000,000 27,500,000 27,500,000 5 0 550,000,000 27,500,000 27,500,000 6 0 550,000,000 27,500,000 27,500,000 7 0 550,000,000 27,500,000 27,500,000 8 0 550,000,000 27,500,000 27,500,000 9 0 550,000,000 27,500,000 27,500,000

10 0 550,000,000 27,500,000 27,500,000 11 0 550,000,000 27,500,000 27,500,000 12 0 550,000,000 27,500,000 27,500,000 13 0 550,000,000 27,500,000 27,500,000 14 0 550,000,000 27,500,000 27,500,000 15 0 550,000,000 27,500,000 27,500,000 16 (550,000,000) 550,000,000 27,500,000 577,500,000

0 - 275,000,000 825,000,000


16 bulanNilai Kini KETERANGAN

Df Penerimaan Untuk cross chek :(PV) ∑ PV = 550,000,000 (u/ cross chek)

6 7 81.00000000 0 0.95238095 26,190,476

0.90702948 24,943,311 Investasi bulan ke 00.86383760 23,755,534 Benefit diterima tiap bulan.0.82270247 22,624,318 Modal kembali akhir investasi0.78352617 21,546,970 bersama benefit bulan0.74621540 20,520,923 terakhir Rp 577,500,000 0.71068133 19,543,737

0.67683936 18,613,082

0.64460892 17,726,745

0.61391325 16,882,614

0.584679289086437 16078680.449877

0.556837418177559 15313028.9998829

0.530321350645294 14583837.1427456

0.505067952995518 13889368.7073767

0.48101709809097 13227970.1975017

0.4581115219914 264559403.950034 ∑ PV = 550,000,000

1/(1+i)t

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI (Benefit tidak diterima tiap bulan tetapi diterima diakhir investasi bersamaan pengembalian pokok modal)Modal awal Rp 550,000,000 ,-Rendemen i = 5% per bulan

Arus Total Rendement Modal Besarnya i =

bln in/(out) investasi 5%ke pada bulan t pada bulan t per bulan1 2 3 4

0 550,000,000 0 0 1 27,500,000 550,000,000 27,500,000 2 28,875,000 577,500,000 28,875,000 3 30,318,750 606,375,000 30,318,750 4 31,834,688 636,693,750 31,834,688 5 33,426,422 668,528,438 33,426,422 6 35,097,743 701,954,860 35,097,743 7 36,852,630 737,052,603 36,852,630 8 38,695,262 773,905,233 38,695,262 9 40,630,025 812,600,495 40,630,025 10 42,661,526 853,230,520 42,661,526 11 44,794,602 895,892,046 44,794,602 12 47034332.4 940686648 47034332.413 49386049.02 987720980.4 49386049.0214 51855351.45 1037107029.42 51855351.4515 54448119 1088962380.45 5444811916 1,143,410,499 1143410499 57170524.95

0 650,581,024

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI (Benefit tidak diterima tiap bulan tetapi diterima diakhir investasi bersamaan pengembalian pokok modal)

t = 16 bulanPenerimaan Nilai Kini KETERANGAN

bulan t Df Penerimaan Untuk cross chek :(benefit + (PV) ∑ PV =

modal) (u/ cross chek)5 6 7 8

0 1.00000000 0 Investasi bulan ke 0, Benefit0 0.95238095 0 tidak diterima tiap bulan0 0.90702948 0 Penerimaan hanya terjadi di 0 0.86383760 0 akhir investasi (berupa modal0 0.82270247 0 dan seluruh benefit)0 0.78352617 0 sebesar Rp0 0.74621540 0 0 0.71068133 0 0 0.67683936 0 0 0.64460892 0 0 0.61391325 550,000,000 0 0.584679289086440 0.556837418177560 0.530321350645290 0.505067952995520 0.48101709809097

1,200,581,024 0.45811152199141,200,581,024 ∑ PV = 550,000,000

1/(1+i)t

KETERANGANUntuk cross chek :

550,000,000

Investasi bulan ke 0, Benefittidak diterima tiap bulan

Penerimaan hanya terjadi di akhir investasi (berupa modal

dan seluruh benefit)1,200,581,024

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI(Benefit dan pengembalian pokok dilakukan sembarangan sisanya diterima diakhir investasi)Modal awal Rp 550,000,000 ,-Rendemen i = 5% per bulan t =



0 550,000,000 0 0 0 1 27,500,000 550,000,000 27,500,000 0 2 21,125,000 577,500,000 28,875,000 50,000,000 3 29,318,750 556,375,000 29,318,750 0 4 10,834,688 527,056,250 30,834,688 20,000,000 5 22,426,422 516,221,563 32,426,422 10,000,000 6 34,097,743 493,795,141 34,097,743 0 7 35,852,630 459,697,398 35,852,630 0 8 2,304,738 423,844,767 37,695,262 40,000,000 9 39,630,025 421,540,029 39,630,025 0 10 41,661,526 381,910,004 41,661,526 0 11 6,205,398 340,248,478 43,794,602 50,000,000 12 46034332.4 334,043,081 46034332.4 0 13 28,386,049 288,008,748 48386049.02 20,000,000 14 39,855,351 259,622,699 49855351.45 10,000,000 15 53448119 219,767,348 53448119 0 16 133,865,334 166,319,229 56170524.95 190,035,859

0 635,581,024 390,035,859



Df Penerimaan Untuk cross chek :(PV) ∑ PV = 550,000,000

(u/ cross chek)6 7 8

1.00000000 0 Investasi bulan ke 0, 0.95238095 0 pengambilan tidak tentu 0.90702948 48,058,439 (sembarangan). Sisa (modal0.86383760 0 + benefit) diterima 0.82270247 18,476,909 seluruhnya pada akhir0.78352617 9,057,308 investasi.0.74621540 0 Rp 390,035,859 0.71068133 0 0.67683936 34,139,615 0.64460892 0 0.61391325 0

0.584679289086 50,000,000 0.556837418178 0 0.530321350645 20,000,000 0.505067952996 10,000,000 0.481017098091 0 0.458111521991 90,267,729

∑ PV = 550,000,000

1/(1+i)t

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI(Pengembalian pokok (sebesar 1/t xinvestasi awal) ditambah benefit dilakukan tiap bulan)Modal awal Rp 550,000,000 ,-Rendemen i = 5% per bulan

Arus Total Rendement Modal Besarnya i =

bln in/(out) investasi 5%ke pada bulan t pada bulan t per bulan1 2 3 4

0 550,000,000 0 0 1 34,375,000 550,000,000 27,500,000 2 (34,375,000) 515,625,000 25,781,250 3 (34,375,000) 481,250,000 24,062,500 4 (34,375,000) 446,875,000 22,343,750 5 (34,375,000) 412,500,000 20,625,000 6 (34,375,000) 378,125,000 18,906,250 7 (34,375,000) 343,750,000 17,187,500 8 (34,375,000) 309,375,000 15,468,750 9 (34,375,000) 275,000,000 13,750,000 10 (34,375,000) 240,625,000 12,031,250 11 (34,375,000) 206,250,000 10,312,500 12 (34,375,000) 171,875,000 8,593,750 13 (34,375,000) 137,500,000 6,875,000 14 (34,375,000) 103,125,000 5,156,250 15 (34,375,000) 68,750,000 3,437,500 16 (34,375,000) 34,375,000 1,718,750

0 233,750,000

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI(Pengembalian pokok (sebesar 1/t xinvestasi awal) ditambah benefit dilakukan tiap bulan)

t = 16 bulanPenerimaan Nilai Kini KETERANGAN

bulan t Df Penerimaan Untuk cross chek :(benefit + (PV) ∑ PV =

modal) (u/ cross chek)5 6 7 8

0 1.00000000 0 Investasi bulan ke 0, Modal61,875,000 0.95238095 58,928,571 diambil tiap bulan sama60,156,250 0.90702948 54,563,492 besar ( 1/t x modal investasi58,437,500 0.86383760 50,480,510 awal ditambah benefit yang56,718,750 0.82270247 46,662,656 diperoleh pada bulan itu .55,000,000 0.78352617 43,093,939 Penerimaan per bulan53,281,250 0.74621540 39,759,289 semakin kecil/menurun dan pada51,562,500 0.71068133 36,644,506 akhir investasi49,843,750 0.67683936 33,736,212 48,125,000 0.64460892 31,021,804 46,406,250 0.61391325 28,489,412 44,687,500 0.584679289086437 26,127,856 42,968,750 0.556837418177559 23,926,608 41,250,000 0.530321350645294 21,875,756 39,531,250 0.505067952995518 19,965,968 37,812,500 0.48101709809097 18,188,459

36,093,750 0.4581115219914 16,534,963 783,750,000 ∑ PV = 550,000,000

1/(1+i)t


KETERANGANUntuk cross chek :

550,000,000

Investasi bulan ke 0, Modaldiambil tiap bulan sama

besar ( 1/t x modal investasiawal ditambah benefit yang

diperoleh pada bulan itu .Penerimaan per bulan

semakin kecil/menurun dan pada36,093,750

SIMULASI PENGGUNAAN DISCOUNTING FACTOR DALAM ARUS INVESTASI(Pengembalian pokok ditambah benefit dilakukan tiap bulan dengan besaran sama/flat)Modal awal Rp 550,000,000 ,-Rendemen i = 5% per bulan t =



0 550,000,000 0 0 0 1 23,248,450 550,000,000 27,500,000 50,748,449.582 24,410,872 526,751,550 26,337,578 50,748,449.583 25,631,416 502,340,678 25,117,034 50,748,449.584 26,912,986 476,709,263 23,835,463 50,748,449.585 28,258,636 449,796,276 22,489,814 50,748,449.586 29,671,568 421,537,641 21,076,882 50,748,449.587 31,155,146 391,866,073 19,593,304 50,748,449.588 32,712,903 360,710,927 18,035,546 50,748,449.589 34,348,548 327,998,024 16,399,901 50,748,449.5810 36,065,976 293,649,475 14,682,474 50,748,449.5811 37,869,275 257,583,500 12,879,175 50,748,449.5812 39,762,738 219,714,225 10,985,711 50,748,449.5813 41,750,875 179,951,487 8,997,574 50,748,449.5814 43,838,419 138,200,611 6,910,031 50,748,449.5815 46,030,340 94,362,192 4,718,110 50,748,449.5816 48,331,857 48,331,853 2,416,593 50,748,449.58

0 261,975,189 811,975,193



Df Penerimaan Untuk cross chek :(PV) ∑ PV = 550,000,000

(u/ cross chek)6 7 8

1.00000000 0 Penerimaan (modal + benefit ) flat :0.95238095 48,331,857

Af =0.90702948 46,030,340 0.86383760 43,838,419

Af =1.18287459

0.82270247 41,750,875 0.109143730.78352617 39,762,738 Af = 10.837769520.74621540 37,869,275 PV = A x Af0.71068133 36,065,976 A = 550,000,0000.67683936 34,348,548 10.837769520.64460892 32,712,903 A = 50,748,449.580.61391325 31,155,146

0.58467928908644 29,671,568 0.55683741817756 28,258,636 0.53032135064529 26,912,986 0.50506795299552 25,631,416 0.48101709809097 24,410,872

0.4581115219914 23,248,450 ∑ PV = 550,000,000

1/(1+i)t

(1 + I )t - 1i (1 + I )t

SIMULASI ANGSURAN PINJAMAN KREDIT INVESTASI : alat pembasmi hama

A. PINJAMAN DENGAN TOTAL ANGSURAN (POKOK DAN BUNGA )

1 Harga Cash

Asuransi Kredit 3.50 % harga cash Rp Biaya Administrasi Rp Uang Muka 10.00 % harga cash Rp

Total Pembayaran dmuka Rp

2. Jadi Besarnya Pinjaman Kredit

3. Jangka Waktu Pengembalian =4. Bunga 15.00% % per tahun =

5. Anuitet faktor (Af) = 0.36419293854453 =0.0170524117318066

6. Besarnya angsuran perbulan pokok + bunga =(A) yang besarnya sama per bulan (kolom 5)

SaldoJUMLAH ANGSURAN PER BULAN (FLAT)

KreditBln Pada Cicilan Bayar bunga TOTALke Awal Bulan Pokok 1.25% Angsurant per bulan1 2 3 4 51 240,000,000.00 8,237,392.17 3,000,000.00 11,237,392.17 2 231,762,607.83 8,340,359.57 2,897,032.60 11,237,392.17 3 223,422,248.26 8,444,614.07 2,792,778.10 11,237,392.17 4 214,977,634.19 8,550,171.74 2,687,220.43 11,237,392.17 5 206,427,462.45 8,657,048.89 2,580,343.28 11,237,392.17 6 197,770,413.56 8,765,262.00 2,472,130.17 11,237,392.17 7 189,005,151.56 8,874,827.78 2,362,564.39 11,237,392.17 8 180,130,323.78 8,985,763.12 2,251,629.05 11,237,392.17 9 171,144,560.66 9,098,085.16 2,139,307.01 11,237,392.17

10 162,046,475.50 9,211,811.23 2,025,580.94 11,237,392.17 11 152,834,664.27 9,326,958.87 1,910,433.30 11,237,392.17 12 143,507,705.41 9,443,545.85 1,793,846.32 11,237,392.17

13 134,064,159.55 9,561,590.18 1,675,801.99 11,237,392.17 14 124,502,569.38 9,681,110.05 1,556,282.12 11,237,392.17 15 114,821,459.32 9,802,123.93 1,435,268.24 11,237,392.17 16 105,019,335.40 9,924,650.48 1,312,741.69 11,237,392.17 17 95,094,684.92 10,048,708.61 1,188,683.56 11,237,392.17 18 85,045,976.31 10,174,317.47 1,063,074.70 11,237,392.17 19 74,871,658.84 10,301,496.43 935,895.74 11,237,392.17 20 64,570,162.41 10,430,265.14 807,127.03 11,237,392.17 21 54,139,897.27 10,560,643.45 676,748.72 11,237,392.17 22 43,579,253.82 10,692,651.50 544,740.67 11,237,392.17 23 32,886,602.32 10,826,309.64 411,082.53 11,237,392.17 24 22,060,292.68 10,961,638.51 275,753.66 11,237,392.17 25 11,098,654.17 11,098,658.99 138,733.18 11,237,392.17

Total 240,000,000.00 40,934,799.42 280,934,804.25

Hitungan yang menyesatkan (yang biasa dicantumkan dalam brosur lembaga kredit barang) :◘ Total Angsuran 280,934,804.25 ◘ Besarnya Kredit 240,000,000.00 atau

Selisih/bunga 40,934,804.25

◘ Kelihatannya bunga per bulan hanya 0.68%◘ Padahal sebenarnya sesuai hitungan diatas 1.25%


TIAP BULAN SAMA BESAR (FLAT)

Rp 250,000,000

3,500,000 200,000

10,000,000 10,000,000 (-)13,700,000

Rp 240,000,000

25.00 bulan1.25% per bulan

21.35726834421

240,000,000.00 = Rp11,237,392.17

21.35726834421

Saldo Comp. Fac =Untuk Cross Chek

KreditPada dimana i = Nilai kini Nilai kini

Akhir Bulan 1.25% Angsuran Kumulatifper bulan bulan ke t Angsuran

6 7 8 9231,762,607.83 1.0125000000 11,098,654.17 11,098,654.17 223,422,248.26 1.0251562500 10,961,638.51 22,060,292.68 214,977,634.19 1.0379707031 10,826,309.64 32,886,602.32 206,427,462.45 1.0509453369 10,692,651.50 43,579,253.82 197,770,413.56 1.0640821536 10,560,643.45 54,139,897.27 189,005,151.56 1.0773831805 10,430,265.14 64,570,162.41 180,130,323.78 1.0908504703 10,301,496.43 74,871,658.84 171,144,560.66 1.1044861012 10,174,317.47 85,045,976.31 162,046,475.50 1.1182921774 10,048,708.61 95,094,684.92 152,834,664.27 1.1322708297 9,924,650.48 105,019,335.40 143,507,705.41 1.1464242150 9,681,110.05 114,821,459.32 134,064,159.55 1.1607545177 9,681,110.05 124,502,569.38

(1+i) t

124,502,569.38 1.1752639492 9,561,590.18 134,064,159.55 114,821,459.32 1.1899547486 9,443,545.85 143,507,705.41 105,019,335.40 1.2048291829 9,326,958.87 152,834,664.27

95,094,684.92 1.2198895477 9,211,811.23 162,046,475.50 85,045,976.31 1.2351381670 9,098,085.16 171,144,560.66 74,871,658.84 1.2505773941 8,985,763.12 180,130,323.78 64,570,162.41 1.2662096116 8,874,827.78 189,005,151.56 54,139,897.27 1.2820372317 8,765,262.00 197,770,413.56 43,579,253.82 1.2980626971 8,657,048.89 206,427,462.45 32,886,602.32 1.3142884808 8,550,171.74 214,977,634.19 22,060,292.68 1.3307170868 8,444,614.07 223,422,248.26 11,098,654.17 1.3473510504 8,340,359.57 231,762,607.83

0.00 1.3641929385 8,237,392.17 240,000,000.00

40,934,804.25 x 100 % = 17.06% untuk240,000,000.00 25 bulan

Kelihatannya 0.68% per bulan

per bulanper bulan


B. PINJAMAN DENGAN TOTAL ANGSURAN (POKOK DAN BUNGA )

1 Harga Cash

Asuransi Kredit 3.50 % Rp Biaya AdministrasiUang Muka 10.00 % Rp

Total Pembayaran dmuka Rp

2. Jadi Besarnya Pinjaman Kredit (Nilai motor-Uang Muka)

3. Jangka Waktu Pengembalian =4. Bunga 15.00% % per tahun atau =

5. Angsuran Pokok (kolom 3) tetap per bulan = 240,000,00025

6. Bunga yang dibayar per bulan (tidak sama) = 1.25%

7 Besarnyaangsuran perbulan (pokok+ bunga) = Rp(Besarnya total angsuran ( kolom 5) akan menurun proporsional dengan menurunnya saldo kredit tiap bulannya)

SaldoJUMLAH ANGSURAN PER BULAN (FLAT)

KreditBln Pada Cicilan Bayar bunga TOTALke Awal Bulan Pokok 1.25% Angsurant per bulan1 2 3 4 51 240,000,000.00 9,600,000.00 3,000,000.00 12,600,000.00 2 230,400,000.00 9,600,000.00 2,880,000.00 12,480,000.00 3 220,800,000.00 9,600,000.00 2,760,000.00 12,360,000.00 4 211,200,000.00 9,600,000.00 2,640,000.00 12,240,000.00 5 201,600,000.00 9,600,000.00 2,520,000.00 12,120,000.00 6 192,000,000.00 9,600,000.00 2,400,000.00 12,000,000.00 7 182,400,000.00 9,600,000.00 2,280,000.00 11,880,000.00 8 172,800,000.00 9,600,000.00 2,160,000.00 11,760,000.00 9 163,200,000.00 9,600,000.00 2,040,000.00 11,640,000.00

10 153,600,000.00 9,600,000.00 1,920,000.00 11,520,000.00 11 144,000,000.00 9,600,000.00 1,800,000.00 11,400,000.00 12 134,400,000.00 9,600,000.00 1,680,000.00 11,280,000.00

13 124,800,000.00 9,600,000.00 1,560,000.00 11,160,000.00 14 115,200,000.00 9,600,000.00 1,440,000.00 11,040,000.00 15 105,600,000.00 9,600,000.00 1,320,000.00 10,920,000.00 16 96,000,000.00 9,600,000.00 1,200,000.00 10,800,000.00 17 86,400,000.00 9,600,000.00 1,080,000.00 10,680,000.00 18 76,800,000.00 9,600,000.00 960,000.00 10,560,000.00 19 67,200,000.00 9,600,000.00 840,000.00 10,440,000.00 20 57,600,000.00 9,600,000.00 720,000.00 10,320,000.00 21 48,000,000.00 9,600,000.00 600,000.00 10,200,000.00 22 38,400,000.00 9,600,000.00 480,000.00 10,080,000.00 23 28,800,000.00 9,600,000.00 360,000.00 9,960,000.00 24 19,200,000.00 9,600,000.00 240,000.00 9,840,000.00 25 9,600,000.00 9,600,000.00 120,000.00 9,720,000.00

Total 240,000,000.00 39,000,000.00 279,000,000.00

Hitungan yang menyesatkan (yang biasa dicantumkan dalam brosur lembaga kredit barang) :◘ Total Angsuran 279,000,000.00 ◘ Besarnya Kredit 240,000,000.00 atau

Selisih 39,000,000.00

◘ Kelihatannya bunga per bulan hanya 0.65%◘ Padahal sebenarnya sesuai hitungan diatas 1.25%


TIAP BULAN MENURUN

Rp 250,000,000

3,500,000 200,000

10,000,000 10,000,000 13,700,000

= Rp 240,000,000 *)

25.00 bulan1.25% per bulan

= Rp 9,600,000.00

dari posisi saldo kredit

9,600,000.00 + bunga pada bulan itu (Besarnya total angsuran ( kolom 5) akan menurun proporsional dengan menurunnya saldo kredit tiap bulannya)

Saldo Comp. Fac=Untuk Cross Chek

KreditPada dimana i = Nilai kini Nilai kini

Akhir Bulan 1.25% Angsuran Kumulatifper bulan bulan ke t Angsuran

6 7 8 9230,400,000.00 1.0125000000 11,880,000.00 11,880,000.00 220,800,000.00 1.0251562500 11,760,000.00 23,640,000.00 211,200,000.00 1.0379707031 11,640,000.00 35,280,000.00 201,600,000.00 1.0509453369 11,520,000.00 46,800,000.00 192,000,000.00 1.0640821536 11,400,000.00 58,200,000.00 182,400,000.00 1.0773831805 11,280,000.00 69,480,000.00 172,800,000.00 1.0908504703 11,160,000.00 80,640,000.00 163,200,000.00 1.1044861012 11,040,000.00 91,680,000.00 153,600,000.00 1.1182921774 10,920,000.00 102,600,000.00 144,000,000.00 1.1322708297 10,800,000.00 113,400,000.00 134,400,000.00 1.1464242150 10,680,000.00 124,080,000.00 124,800,000.00 1.1607545177 10,560,000.00 134,640,000.00

(1+i) t

115,200,000.00 1.1752639492 10,440,000.00 145,080,000.00 105,600,000.00 1.1899547486 10,320,000.00 155,400,000.00

96,000,000.00 1.2048291829 10,200,000.00 165,600,000.00 86,400,000.00 1.2198895477 10,080,000.00 175,680,000.00 76,800,000.00 1.2351381670 9,960,000.00 185,640,000.00 67,200,000.00 1.2505773941 9,840,000.00 195,480,000.00 57,600,000.00 1.2662096116 9,720,000.00 205,200,000.00 48,000,000.00 1.2820372317 9,092,343.07 214,292,343.07 38,400,000.00 1.2980626971 8,454,157.99 222,746,501.07 28,800,000.00 1.3142884808 8,249,185.84 230,995,686.91 19,200,000.00 1.3307170868 8,047,986.19 230,794,487.26

9,600,000.00 1.3473510504 8,875,672.25 239,043,673.10 0.00 1.3641929385 8,662,965.51 240,000,000.00

Hitungan yang menyesatkan (yang biasa dicantumkan dalam brosur lembaga kredit barang) :

39,000,000.00 x 100 % = 16.25% untuk240,000,000.00 25 bulan

atau 0.65% per bulan

per bulanper bulan

tugas ukd 3 skia

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