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  • Ekr Cash in Flow

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    Khoirun Nisa
    22 views5 pages
    The document describes 4 different methods (Cara) of loan repayment over 10 months. Cara 1 involves paying a fixed monthly interest amount with no reduction in principal. Cara 2 involves paying a reducing monthly interest amount and equal monthly installments of principal to fully repay the loan. Cara 3 involves paying a fixed monthly interest amount and applying excess payments to reduce the principal. Cara 4 involves paying monthly interest on the reducing balance with no principal payments until the 10th month when the remaining balance is paid.

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    cash flow

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    The document describes 4 different methods (Cara) of loan repayment over 10 months. Cara 1 involves paying a fixed monthly interest amount with no reduction in principal. Cara 2 involves paying a reducing monthly interest amount and equal monthly installments of principal to fully repay the loan. Cara 3 involves paying a fixed monthly interest amount and applying excess payments to reduce the principal. Cara 4 involves paying monthly interest on the reducing balance with no principal payments until the 10th month when the remaining balance is paid.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    22 views5 pages

    Ekr Cash in Flow

    Uploaded by

    Khoirun Nisa
    The document describes 4 different methods (Cara) of loan repayment over 10 months. Cara 1 involves paying a fixed monthly interest amount with no reduction in principal. Cara 2 involves paying a reducing monthly interest amount and equal monthly installments of principal to fully repay the loan. Cara 3 involves paying a fixed monthly interest amount and applying excess payments to reduce the principal. Cara 4 involves paying monthly interest on the reducing balance with no principal payments until the 10th month when the remaining balance is paid.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    of 5

    CARA 1

    pembayaran tiap akhir bulan


    akhir bulan bunga tiap bulan jumlah hutang akhir bulan
    bunga
    0 - - -
    1 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    2 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    3 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    4 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    5 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    6 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    7 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    8 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    9 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    10 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00

    CARA 2
    pembayaran tiap akhir bulan
    akhir bulan bunga tiap bulan jumlah hutang akhir bulan
    bunga
    0 - - -
    1 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    2 Rp 360,000,000.00 Rp 18,360,000,000.00 Rp 360,000,000.00
    3 Rp 320,000,000.00 Rp 16,320,000,000.00 Rp 320,000,000.00
    4 Rp 280,000,000.00 Rp 14,280,000,000.00 Rp 280,000,000.00
    5 Rp 240,000,000.00 Rp 12,240,000,000.00 Rp 240,000,000.00
    6 Rp 200,000,000.00 Rp 10,200,000,000.00 Rp 200,000,000.00
    7 Rp 160,000,000.00 Rp 8,160,000,000.00 Rp 160,000,000.00
    8 Rp 120,000,000.00 Rp 6,120,000,000.00 Rp 120,000,000.00
    9 Rp 80,000,000.00 Rp 4,080,000,000.00 Rp 80,000,000.00
    10 Rp 40,000,000.00 Rp 2,040,000,000.00 Rp 40,000,000.00

    CARA 3
    pembayaran tiap akhir bulan
    akhir bulan bunga tiap bulan jumlah hutang akhir bulan
    bunga
    0 - - -
    1 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp 400,000,000.00
    2 Rp 400,000,000.00 Rp 18,400,000,000.00 Rp 400,000,000.00
    3 Rp 400,000,000.00 Rp 16,400,000,000.00 Rp 400,000,000.00
    4 Rp 400,000,000.00 Rp 14,400,000,000.00 Rp 400,000,000.00
    5 Rp 400,000,000.00 Rp 12,400,000,000.00 Rp 400,000,000.00
    6 Rp 400,000,000.00 Rp 10,400,000,000.00 Rp 400,000,000.00
    7 Rp 400,000,000.00 Rp 8,400,000,000.00 Rp 400,000,000.00
    8 Rp 400,000,000.00 Rp 6,400,000,000.00 Rp 400,000,000.00
    9 Rp 400,000,000.00 Rp 4,400,000,000.00 Rp 400,000,000.00
    10 Rp 400,000,000.00 Rp 2,400,000,000.00 Rp 400,000,000.00

    CARA 4
    pembayaran tiap akhir bulan
    akhir bulan bunga tiap bulan jumlah hutang akhir bulan
    bunga
    0 - - -
    1 Rp 400,000,000.00 Rp 20,400,000,000.00 Rp -
    2 Rp 408,000,000.00 Rp 20,808,000,000.00 Rp -
    3 Rp 416,160,000.00 Rp 21,224,160,000.00 Rp -
    4 Rp 424,483,200.00 Rp 21,648,643,200.00 Rp -
    5 Rp 432,972,864.00 Rp 22,081,616,064.00 Rp -
    6 Rp 441,632,321.28 Rp 22,523,248,385.28 Rp -
    7 Rp 450,464,967.71 Rp 22,973,713,352.99 Rp -
    8 Rp 459,474,267.06 Rp 23,433,187,620.05 Rp -
    9 Rp 468,663,752.40 Rp 23,901,851,372.45 Rp -
    10 Rp 478,037,027.45 Rp 24,379,888,399.90 Rp 4,379,888,399.90
    pembayaran tiap akhir bulan
    sisa hutang
    pokok jumlah
    - - Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp - Rp 400,000,000.00 Rp 20,000,000,000.00
    Rp 20,000,000,000.00 Rp 20,400,000,000.00 Rp -

    pembayaran tiap akhir bulan


    sisa hutang
    pokok jumlah P/jumlah bulan
    - - Rp 20,000,000,000.00 Rp 2,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 18,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,360,000,000.00 Rp 16,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,320,000,000.00 Rp 14,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,280,000,000.00 Rp 12,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,240,000,000.00 Rp 10,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,200,000,000.00 Rp 8,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,160,000,000.00 Rp 6,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,120,000,000.00 Rp 4,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,080,000,000.00 Rp 2,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,040,000,000.00 Rp -

    pembayaran tiap akhir bulan


    sisa hutang
    pokok jumlah
    - - Rp 20,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 18,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 16,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 14,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 12,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 10,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 8,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 6,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 4,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp 2,000,000,000.00
    Rp 2,000,000,000.00 Rp 2,400,000,000.00 Rp -

    pembayaran tiap akhir bulan


    sisa hutang
    pokok jumlah
    - - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp - Rp - Rp 20,000,000,000.00
    Rp 20,000,000,000.00 Rp 24,379,888,399.90 Rp -
    P Rp 20,000,000,000.00
    i 2%
    Rp 400,000,000.00

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