LATIHAN 1.

1.1

5%
5000 skr
-10000
-9000
PV

YEARS
-2250
-9310
-76355
-183796

1.2

PV
5 years
4 years

Rp7,835.26 PILIH INI

Rp7,404.32

RATE
19
12
4
8

FV
10%
8%
22%
7%

Rp13,760.80
Rp23,444.16
Rp169,151.87
Rp315,795.75

PV
YEARS
RATE
FV
(Rp11,529.77)
6
5%
(Rp20,154.91)
9
11%
(Rp29,958.30)
23
16%
(Rp24,024.09)
18
19%
Annuity ada jangka waktu
Perpetuity tdk ada jangka waktu

15451
51557
910020
550164

Persamaan : periode dan jumlah

years dan rate berbanding lurus dg FV

nilai FV>PV

years dg rate berbanding terbalik dg PV

de dan jumlah

SOAL DI SLIDE

-10000 now
8%

Rp156,454.87
2

-15000
a
b

2
8%
6%

a
b

Rp17,496.00
(Rp15,900.00)
20000
2
8%
(Rp8,903.13) today

Compounding
tahun
kuartal
bulan
minggu

Jumlah pembayaran dlm 1 th

1
4
12
53

FLAT
150,000,000
sisa
pokok
bunga
angsuran

20%
(120,000,000)
(10,000,000)
(500,000)
(10,500,000)

EFEKTIF POKOK SAMA

pinjaman
pokok
bunga
120,000,000
10,000,000
110,000,000
10,000,000
100,000,000
10,000,000
90,000,000
10,000,000
80,000,000
10,000,000
70,000,000
10,000,000
60,000,000
10,000,000
50,000,000
10,000,000
40,000,000
10,000,000
30,000,000
10,000,000

angsuran
500,000
458,333
416,667
375,000
333,333
291,667
250,000
208,333
166,667
125,000

10,500,000
10,458,333
10,416,667
10,375,000
10,333,333
10,291,667
10,250,000
10,208,333
10,166,667
10,125,000

20,000,000
10,000,000

(200,000,000)

10,000,000
10,000,000

36

IN ARREAR
pinjaman
pokok
200000000
Rp4,364,739.94
Rp195,635,260.06
Rp4,422,936.47
Rp191,212,323.59
Rp4,481,908.96
Rp186,730,414.63
Rp4,541,667.75
Rp182,188,746.88
Rp4,602,223.32
Rp177,586,523.57
Rp4,663,586.29
Rp172,922,937.27
Rp4,725,767.44
Rp168,197,169.83
Rp4,788,777.68
Rp163,408,392.15
Rp4,852,628.05
Rp158,555,764.11
Rp4,917,329.75
Rp153,638,434.36
Rp4,982,894.15
Rp148,655,540.21
Rp5,049,332.74
Rp143,606,207.47
Rp5,116,657.17
Rp138,489,550.29
Rp5,184,879.27
Rp133,304,671.02
Rp5,254,010.99
Rp128,050,660.03
Rp5,324,064.47
Rp122,726,595.56
Rp5,395,052.00
Rp117,331,543.56
Rp5,466,986.03
Rp111,864,557.53
Rp5,539,879.17
Rp106,324,678.36
Rp5,613,744.23
Rp100,710,934.13
Rp5,688,594.15
Rp95,022,339.98
Rp5,764,442.07
Rp89,257,897.90
Rp5,841,301.30
Rp83,416,596.60
Rp5,919,185.32
Rp77,497,411.28
Rp5,998,107.79
Rp71,499,303.49
Rp6,078,082.56
Rp65,421,220.93
Rp6,159,123.66
Rp59,262,097.27
Rp6,241,245.31
Rp53,020,851.96
Rp6,324,461.91
Rp46,696,390.04
Rp6,408,788.07
Rp40,287,601.97
Rp6,494,238.58
Rp33,793,363.39
Rp6,580,828.43
Rp27,212,534.96
Rp6,668,572.81
Rp20,543,962.15
Rp6,757,487.11
Rp13,786,475.04
Rp6,847,586.94
Rp6,938,888.10
Rp6,938,888.10

83,333
41,667

10,083,333
10,041,667

16%

bunga
angsuran
2666666.66667
2608470.13413
2549497.64782
2489738.86169
2429183.29175
2367820.31421
2305639.16364
2242628.93105
2178778.56204
2114076.85477
2048512.45807
1982073.86941
1914749.43291
1846527.33725
1777395.61365
1707342.13373
1636354.60742
1564420.58075
1491527.43373
1417662.37809
1342812.45503
1266964.533
1190105.30534
1112221.28799
1033298.81706
953324.046526
872282.945716
790161.296895
706944.692757
622618.533897
537168.026252
450578.178505
362833.799455
273919.49535
183819.667191
92518.5079904

Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61
Rp7,031,406.61

PEMBUKTIAN NO 1

8%

10%

8%
8.2432160000%
8.2999506808%
8.3221729377%

8.24322%
8.29995%
8.32217%

pilih ini
Rp17,490.00

APR

EAR
8%
8%
8%
8%

12

sisa pinjaman
110,000,000
100,000,000
90,000,000
80,000,000
70,000,000
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000

5%

EFEKTIF ANGSURAN SAMA

pinjaman
pokok
120,000,000
Rp9,772,897.81
110,227,102
Rp9,813,618.22
100,413,484
Rp9,854,508.30
90,558,976
Rp9,895,568.75
80,663,407
Rp9,936,800.29
70,726,607
Rp9,978,203.62
60,748,403 Rp10,019,779.47
50,728,624 Rp10,061,528.55
40,667,095 Rp10,103,451.59
30,563,643 Rp10,145,549.30

10,000,000
-

sisa pinjaman
Rp195,635,260.06
Rp191,212,323.59
Rp186,730,414.63
Rp182,188,746.88
Rp177,586,523.57
Rp172,922,937.27
Rp168,197,169.83
Rp163,408,392.15
Rp158,555,764.11
Rp153,638,434.36
Rp148,655,540.21
Rp143,606,207.47
Rp138,489,550.29
Rp133,304,671.02
Rp128,050,660.03
Rp122,726,595.56
Rp117,331,543.56
Rp111,864,557.53
Rp106,324,678.36
Rp100,710,934.13
Rp95,022,339.98
Rp89,257,897.90
Rp83,416,596.60
Rp77,497,411.28
Rp71,499,303.49
Rp65,421,220.93
Rp59,262,097.27
Rp53,020,851.96
Rp46,696,390.04
Rp40,287,601.97
Rp33,793,363.39
Rp27,212,534.96
Rp20,543,962.15
Rp13,786,475.04
Rp6,938,888.10
Rp0.00

20,418,094
10,230,272

Rp10,187,822.42
Rp10,230,271.68

IN ADVANCE
pinjaman
pokok
200,000,000
193,061,112
188,696,372
184,273,435
179,791,527
175,249,859
170,647,635
165,984,049
161,258,282
156,469,504
151,616,876
146,699,546
141,716,652
136,667,319
131,550,662
126,365,783
121,111,772
115,787,707
110,392,655
104,925,669
99,385,790
93,772,046
88,083,452
82,319,010
76,477,708
70,558,523
64,560,415
58,482,333
52,323,209
46,081,964
39,757,502
33,348,714
26,854,475
20,273,647
13,605,074
6,847,587

6,938,888
4,364,740
4,422,936
4,481,909
4,541,668
4,602,223
4,663,586
4,725,767
4,788,778
4,852,628
4,917,330
4,982,894
5,049,333
5,116,657
5,184,879
5,254,011
5,324,064
5,395,052
5,466,986
5,539,879
5,613,744
5,688,594
5,764,442
5,841,301
5,919,185
5,998,108
6,078,083
6,159,124
6,241,245
6,324,462
6,408,788
6,494,239
6,580,828
6,668,573
6,757,487
6,847,587

begining

pmt

10000
20800
32464
45061.12
58666.0096
73359.290368
89228.03359744
106366.27628524
124875.57838805
144865.6246591

ANGSURAN SAMA
bunga
500,000
459,280
418,390
377,329
336,098
294,694
253,118
211,369
169,446
127,349

interest
10000
10000
10000
10000
10000
10000
10000
10000
10000

800
1664
2597.12
3604.8896
4693.280768
5868.74322944
7138.2426877952
8509.3021028188
9990.0462710443
11589.2499727279

angsuran
sisa pinjaman
Rp10,272,897.81
110,227,102
Rp10,272,897.81
100,413,484
Rp10,272,897.81
90,558,976
Rp10,272,897.81
80,663,407
Rp10,272,897.81
70,726,607
Rp10,272,897.81
60,748,403
Rp10,272,897.81
50,728,624
Rp10,272,897.81
40,667,095
Rp10,272,897.81
30,563,643
Rp10,272,897.81
20,418,094

end
20800
32464
45061.12
58666.01
73359.29
89228.03
106366.3
124875.6
144865.6
156454.9

85,075
42,626

bunga

Rp10,272,897.81
Rp10,272,897.81

angsuran
2,574,148
2,515,952
2,456,979
2,397,220
2,336,665
2,275,302
2,213,121
2,150,110
2,086,260
2,021,558
1,955,994
1,889,555
1,822,231
1,754,009
1,684,877
1,614,824
1,543,836
1,471,902
1,399,009
1,325,144
1,250,294
1,174,446
1,097,587
1,019,703
940,780
860,806
779,764
697,643
614,426
530,100
444,650
358,060
270,315
181,401
91,301

6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888
6,938,888

10,230,272
0

sisa pinjaman
193,061,112
188,696,372
184,273,435
179,791,527
175,249,859
170,647,635
165,984,049
161,258,282
156,469,504
151,616,876
146,699,546
141,716,652
136,667,319
131,550,662
126,365,783
121,111,772
115,787,707
110,392,655
104,925,669
99,385,790
93,772,046
88,083,452
82,319,010
76,477,708
70,558,523
64,560,415
58,482,333
52,323,209
46,081,964
39,757,502
33,348,714
26,854,475
20,273,647
13,605,074
6,847,587
0

EXCERCISE 2
15 th
saat ini

th 13
th 14
th 15

606.99
13%
12 th
12%
3 th
narik

(Rp2,631.01)

awal
akhir
1000
1100
1210

10%
10%

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

saldo awal
bunga
penarikan saldo akhir
1
606.990
78.909
685.8987
2
685.899
89.167
775.06553
3
775.066 100.759
875.82405
4
875.824 113.857
989.68118
5
989.681 128.659
1118.3397
6
1118.340 145.384
1263.7239
7
1263.724 164.284
1428.008
8
1428.008 185.641
1613.649
9
1613.649 209.774
1823.4234
10
1823.423 237.045
2060.4685
11
2060.468 267.861
2328.3294
12
2328.329 302.683
2631.0122
13
2631.012 315.721
1000 1946.7336
14
1946.734 233.608
1100 1080.3417
15
1080.342 129.641
1210
-0.02
jumlah yang ditarik lebih besar dari dana yg diinvesta

EXCERCISE 3
6
12% 1--6
11% 7 dst

100000
1000

10%

(Rp50,663.11) initial invest

saldo awal
bunga
penarikan saldo akhir
50,663
6,080
56,743
56,743
6,809
63,552
63,552
7,626
71,178
71,178
8,541
79,719
79,719
9,566
89,286
89,286
10,714
100,000
100,000
11,000
1,000 110,000
110,000
12,100
1,100 121,000
121,000
13,310
1,210 133,100
133,100
14,641
1,331 146,410
146,410
16,105
1,464 161,051
161,051
17,716
1,611 177,156
177,156
19,487
1,772 194,872
194,872
21,436
1,949 214,359
214,359
23,579
2,144 235,795
penarikan tidak lebih besar dari bunga yg diterima

h besar dari dana yg diinvestasikan

EXCERCISE 4
simpan
penarikan

1000
13
14
15

/th
9749.12
10724.03
11796.44

12
10%
10%

13%
12%
12%
12%

saldo awal simpan

bunga
penarikan saldo akhir
1
1,000
1,000
2
1,000
1,000
130
2,130
3
2,130
1,000
277
3,407
4
3,407
1,000
443
4,850
5
4,850
1,000
630
6,480
6
6,480
1,000
842
8,323
7
8,323
1,000
1,082
10,405
8
10,405
1,000
1,353
12,757
9
12,757
1,000
1,658
15,416
10
15,416
1,000
2,004
18,420
11
18,420
1,000
2,395
21,814
12
21,814
1,000
2,836
25,650
13
25,650
3,078
9,749
18,979
14
18,979
2,277
10,724
10,533
15
10,533
1,264
11,796
0

EXCERCISE 5
12
13
PMT

-2631
pensiun

nilai investasi
1000
10%

Rp102.57
saldo awal
pmt
bunga
penarikan saldo akhir
1
Rp0.00
Rp102.57
Rp0.00
Rp102.57
2
Rp102.57
Rp102.57
Rp13.33
Rp218.48
3
Rp218.48
Rp102.57
Rp28.40
Rp349.45
4
Rp349.45
Rp102.57
Rp45.43
Rp497.46
5
Rp497.46
Rp102.57
Rp64.67
Rp664.70
6
Rp664.70
Rp102.57
Rp86.41
Rp853.68
7
Rp853.68
Rp102.57
Rp110.98
Rp1,067.23
8 Rp1,067.23
Rp102.57
Rp138.74
Rp1,308.54
9 Rp1,308.54
Rp102.57
Rp170.11
Rp1,581.23
10 Rp1,581.23
Rp102.57
Rp205.56
Rp1,889.36
11 Rp1,889.36
Rp102.57
Rp245.62
Rp2,237.55
12 Rp2,237.55
Rp102.57
Rp290.88
Rp2,631.00
13 Rp2,631.00
Rp315.72
1,000
Rp1,946.72
14 Rp1,946.72
Rp233.61
1,100
Rp1,080.33
15 Rp1,080.33
Rp129.64
1,210
(Rp0.03)

tiap th
inflasi

HABIS

13% simpan
12% tarik