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    Nama: Ahmad Faiz Assidiq NIM: 013 004 005 Matematika Keuangan

    Uploaded by

    Achmad16
    The document analyzes different loan options for four vehicle types with varying down payments, cash prices, interest rates, and term lengths. It calculates the present value for each loan scenario using the present value formula. Overall, the analysis finds that while a lower monthly interest rate may seem favorable, longer term loans at lower rates can end up costing more total due to accumulated interest over many months. Shorter term loans with higher interest rates can sometimes be more cost effective by avoiding high long-term interest costs.

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    Nama: Ahmad Faiz Assidiq NIM: 013 004 005 Matematika Keuangan

    Uploaded by

    Achmad16
    14 views7 pages
    The document analyzes different loan options for four vehicle types with varying down payments, cash prices, interest rates, and term lengths. It calculates the present value for each loan scenario using the present value formula. Overall, the analysis finds that while a lower monthly interest rate may seem favorable, longer term loans at lower rates can end up costing more total due to accumulated interest over many months. Shorter term loans with higher interest rates can sometimes be more cost effective by avoiding high long-term interest costs.

    Original Description:

    Matematika Keuangan

    Original Title

    MK Faiz

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    © © All Rights Reserved

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    The document analyzes different loan options for four vehicle types with varying down payments, cash prices, interest rates, and term lengths. It calculates the present value for each loan scenario using the present value formula. Overall, the analysis finds that while a lower monthly interest rate may seem favorable, longer term loans at lower rates can end up costing more total due to accumulated interest over many months. Shorter term loans with higher interest rates can sometimes be more cost effective by avoiding high long-term interest costs.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as docx, pdf, or txt
    14 views7 pages

    Nama: Ahmad Faiz Assidiq NIM: 013 004 005 Matematika Keuangan

    Uploaded by

    Achmad16
    The document analyzes different loan options for four vehicle types with varying down payments, cash prices, interest rates, and term lengths. It calculates the present value for each loan scenario using the present value formula. Overall, the analysis finds that while a lower monthly interest rate may seem favorable, longer term loans at lower rates can end up costing more total due to accumulated interest over many months. Shorter term loans with higher interest rates can sometimes be more cost effective by avoiding high long-term interest costs.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
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    Download as docx, pdf, or txt
    of 7

    Nama

    : Ahmad Faiz Assidiq

    NIM : 013 004 005


    MATEMATIKA KEUANGAN

    1. Type: GT 125
    DP
    :
    Rp. 3.600.000
    Cash
    :
    Rp. 17.625.000
    PV
    :
    Rp. 14.025.000
    Untuk 11x angsuran
    Angsuran: Rp. 1.605.000/bulan
    Bunga:
    4,96%
    PV

    ) )

    ) )

    1( 1+ 0,0496 )( 111 )
    + 1 1.605.000
    0,0496

    PV

    = Rp. 14.022.494

    Untuk 17x angsuran


    Angsuran: Rp. 1.130.000/bulan
    Bunga:
    4,29%
    =

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0429 )( 171)
    +1 1.130 .000
    0.0429

    PV

    PV

    = Rp. 14.019.825

    Untuk 23x angsuran


    Angsuran: Rp. 896.000/bulan
    Bunga:
    4,86%
    PV

    ((
    ((

    PV

    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0486 )( 231)
    +1 896.000
    0,0486

    PV

    PV

    = Rp. 14.019.212

    Untuk 29x angsuran


    Angsuran: Rp. 765.000/bulan
    Bunga:
    3,67%

    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0367 )(291)
    +1 765.000
    0,0367

    PV

    PV

    = Rp. 14.011.523

    Untuk 35x angsuran


    Angsuran: Rp. 681.000/bulan
    Bunga:
    3,54%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0354 )(351)
    +1 681.000
    0,0354

    PV

    PV

    = Rp. 14.023.525

    2. Type: BYSON IDN


    DP
    :
    Rp. 5.000.000
    Cash
    :
    Rp. 21.710.000
    PV
    :
    Rp. 16.710.000
    Untuk 11x angsuran
    Angsuran: Rp. 1.894.000/bulan
    Bunga:
    4.74%
    PV

    ((
    ((

    ) )

    ) )

    1( 1+ 0.0474 )( 111)
    +1 1.894 .000
    0,0474

    PV

    PV

    = Rp. 16.705.400

    Untuk 17x angsuran


    Angsuran: Rp. 1.334.000/bulan
    Bunga:
    4,15%
    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0415 )( 171)
    +1 1.334 .000
    0,0415

    PV

    PV

    = Rp. 16.707.563

    Untuk 23x angsuran

    Angsuran: Rp. 1.058.000


    Bunga:
    3,76%
    PV

    ((
    ((

    ) )

    ) )

    1( 1+ 0,0376 )( 231)
    +1 1.058 .000
    0,0376

    PV

    PV

    = Rp. 16.704.106

    Untuk 29x angsuran


    Angsuran: Rp. 904.000
    Bunga:
    3,59%
    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0359 )( 291)
    +1 904.000
    0,0359

    PV

    PV

    = Rp. 16.705.667

    Untuk 35x angsuran


    Angsuran: Rp. 804.000
    Bunga:
    3,47%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0347 )( 351)
    +1 804.000
    0,0347

    PV

    PV

    = Rp. 16.709.034

    3. Type: NEW VIXION KS SE


    DP
    :
    Rp. 5.000.000
    Cash
    :
    Rp. 24.930.000
    PV
    :
    Rp. 19.930.000
    Untuk 11x angsuran
    Angsuran: Rp. 2.240.000/bulan
    Bunga:
    4,54%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0.0454 )( 111)
    +1 2.240 .000
    0,0454

    PV

    PV

    = Rp. 19.929.000

    Untuk 17x angsuran


    Angsuran: Rp. 1.577.000/bulan
    Bunga:
    4,02%
    PV

    ) )

    ) )

    1( 1+ 0,0402 )( 171)
    +1 1.577 .000
    0,0402

    PV

    = Rp. 19.925.589

    Untuk 23x angsuran


    Angsuran: Rp. 1.251.000
    Bunga:
    3,67%
    =

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0367 )( 231)
    +1 1.251 .000
    0,0367

    PV

    PV

    = Rp. 19.913.268

    Untuk 29x angsuran


    Angsuran: Rp. 1.068.000
    Bunga:
    3,51%
    PV

    ((
    ((

    PV

    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0351 )( 291 )
    +1 1.068 .000
    0,0351

    PV

    PV

    = Rp. 19.913.992

    Untuk 35x angsuran


    Angsuran: Rp. 950.000
    Bunga:
    3,4%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,034 )(351)
    +1 950.000
    0,034

    PV

    PV

    = Rp. 19.926.257

    4. Type: VIXION LIGHTING KS


    DP
    :
    Rp. 5.000.000

    Cash
    :
    Rp. 24.180.000
    PV
    :
    Rp. 19.180.000
    Untuk 11x angsuran
    Angsuran: Rp. 2.160.000
    Bunga:
    4,59%
    PV

    ) )

    1( 1+ 0,0459 )(111 )
    +1 2.160.000
    0,0459

    PV

    = Rp. 19.176.091

    Untuk 17x angsuran


    Angsuran: Rp. 1.520.000
    Bunga:
    4,04%
    =

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0404 )( 171 )
    +1 1.520.000
    0,0404

    PV

    PV

    = Rp. 19.179.341

    Untuk 23x angsuran


    Angsuran: Rp. 1.206.000
    Bunga:
    3,68%

    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0368 )( 231)
    +1 1.206 .000
    0,0386

    PV
    = Rp. 19.179.510
    Untuk 29x angsuran
    Angsuran: Rp. 1.030.000
    Bunga:
    3,53%
    PV

    ) )

    PV

    ((
    ((

    PV

    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0353 )(291)
    +1 1.030 .000
    0,0353

    PV

    PV

    = Rp. 19.162.382

    Untuk 35x angsuran

    Angsuran: Rp. 916.000


    Bunga:
    3,42%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0342 )( 351 )
    +1 916.000
    0,0342

    PV

    PV

    = Rp. 19.162.430

    5. Type: SCORPIO Z CW
    DP
    :
    Rp. 5.500.000
    Cash
    :
    Rp. 25.260.000
    PV
    :
    Rp. 19.760.000
    Untuk 11x angsuran
    Angsuran: Rp. 2.222.000
    Bunga:
    4,56%
    PV

    ((
    ((

    ) )

    ) )

    1( 1+ 0,0456 )( 111 )
    + 1 2.222.000
    0,0456

    PV

    PV

    = Rp. 19.752.306

    Untuk 17x angsuran


    Angsuran: Rp. 1.565.000
    Bunga:
    4,04%
    PV

    1( 1+i )( n1 )
    +1 A
    i

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0404 )( 171 )
    +1 1.565.000
    0,0404

    PV

    PV

    = Rp. 19.747.150

    Untuk 23x angsuran


    Angsuran: Rp. 1.241.000
    Bunga:
    3,67%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0367 )( 231)
    +1 1.521 .000
    0,0367

    PV

    PV

    = Rp. 19.754.089

    Untuk 29x angsuran


    Angsuran: Rp. 1.060.000
    Bunga:
    3,52%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0352 )( 291 )
    +1 1.060 .000
    0,0352

    PV

    PV

    = Rp. 19.742.647

    Untuk 35x angsuran


    Angsuran: Rp. 943.000
    Bunga:
    3,41%
    PV

    ((
    ((

    ) )

    1( 1+i )( n1 )
    +1 A
    i

    ) )

    1( 1+ 0,0341 )( 351 )
    +1 943.000
    0,0341

    PV

    PV

    = Rp. 19.753.314

    Analisis:
    Saya dapat simpulkan bahwa kecilnya bunga perbulan tidak menentukan
    banyak sedikitnya yang harus d bayar, apabila bunga kecil tetapi lama
    angsuran banyak pasti yang harus di bayar akan banyak. Berbeda dengan
    yang berbunga besar tetapi lama angsurannya sedikit, ini lebih untung
    karena bunganya tidak numpuk di lama angsuran.

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