Mazda CX -9

n Price
0 655040000
12 63449575
24 34828600
60 18433214

Bila Mencicil 12 Bulan Bila Mencicil 24 Bulan

NPV (1%) = 63449575(P/A,1%,12)-655040000 NPV (1%) = 34828600(P/A,1%,24)-65
= 59084966.63 = 84823949.8
NPV (1.25%)= 63449575(P/A,1.25%,12)-655040000 NPV (1.25%) = 34828600(P/A,1.25%,24)-
= 47917841.43 = 63265046.4
NPV (1.5%) = 63449575(P/A,1.5%,12)-655040000 NPV (1.5%) = 34828600(P/A,1.5%,24)-6
= 37004514.53 = 42576858
NPV (1.75%)= 63449575(P/A,1.75%,12)-655040000 NPV (1.75%) = 34828600(P/A,1.75%,24)-
= 26408435.5 = 22759385
NPV (2%) = 63449575(P/A,2%,12)-655040000 NPV (2%) = 34828600(P/A,2%,24)-65
= 15939255.63 = 3708140.4
NPV (2.5%) = 63449575(P/A,2.5%,12)-655040000 NPV (2.5%) = 34828600(P/A,2.5%,24)-6
= -4174259.65 = -32130489

X-1% 1.5% X-1%

= =
59084966.625 63259226 3708140.4000001

63259226X-632592.26 = 886274.5 35838629x-358386.29 =

63259226X = 1518867 35838629x =
= 0.02401 =
X(IRR) X(IRR)
= 2.40% =
encicil 24 Bulan
4828600(P/A,1%,24)-655040000
4828600(P/A,1.25%,24)-655040000
4828600(P/A,1.5%,24)-655040000
4828600(P/A,1.75%,24)-655040000
4828600(P/A,2%,24)-655040000
4828600(P/A,2.5%,24)-655040000
Bila Mencicil 60 Bulan
NPV (1%) = 18433214(P/A,1%,60)-655040000
= 173625135.4
NPV (1.25%) = 18433214(P/A,1.25%,60)-655040000
= 119800150.5
NPV (1.5%) = 18433214(P/A,1.5%,60)-655040000
= 70859967.32
NPV (1.75%) = 18433214(P/A,1.75%,60)-655040000
= 26325322.3
NPV (2%) = 18433214(P/A,2%,60)-655040000
= -14283048.15

1.5% X-1% 1.0%

=
35838629 173625135.37 187908183.5

55622.11 187908183.5x-1879081.835 = 1736251.354

414008.4 187909183.5x = 3615333.184
0.020584 = 0.019239892
X(IRR)
2.06% = 1.92%
Mazda 2 GT A/T
n Price
0 251040000
12 25000594
24 13809767
60 7385267
Bila Mencicil 12 Bulan Bila Mencicil 24 Bulan
NPV (1%) = 25000594(P/A,1%,12)-251040000 NPV (1%) = 13809767(P/A,1%,24)-25
= 30341685 = 42320880
NPV (1.25%= 25000594(P/A,1.25%,12)-251040000 NPV (1.25%) = 13809767(P/A,1.25%,24)-
= 25941581 = 33772635
NPV (1.5%)= 25000594(P/A,1.5%,12)-251040000 NPV (1.5%) = 13809767(P/A,1.5%,24)-2
= 21641479 = 25569633
NPV (1.75%= 25000594(P/A,1.75%,12)-251040000 NPV (1.75%) = 13809767(P/A,1.75%,24)-
= 17466380 = 17711876
NPV (2%) = 25000594(P/A,2%,12)-251040000 NPV (2%) = 13809767(P/A,2%,24)-25
= 13341282 = 10157933
NPV (2.5%)= 25000594(P/A,2.5%,12)-251040000 NPV (2.5%) = 13809767(P/A,2.5%,24)-2
= 5416093 = -4052317
NPV (3%) = 25000594(P/A,3%,12)-251040000
= -2184087

X-1% = 2.0% X-1% =

30341685.47 32525773 42320880.381

32525773X-325257.73 = 606833.7 46373198X-463731.98 =

32525773X = 932091.4 46373198X =
= 0.028657 =
X(IRR) X(IRR)
= 2.87% =
Mencicil 24 Bulan
13809767(P/A,1%,24)-251040000
13809767(P/A,1.25%,24)-251040000
13809767(P/A,1.5%,24)-251040000
13809767(P/A,1.75%,24)-251040000
13809767(P/A,2%,24)-251040000
13809767(P/A,2.5%,24)-251040000
Bila Mencicil 60 Bulan
NPV (1%) = 7385267(P/A,1%,60)-251040000
= 80964677.99
NPV (1.25%) = 7385267(P/A,1.25%,60)-251040000
= 59399698.35
NPV (1.5%) = 7385267(P/A,1.5%,60)-251040000
= 39791814.46
NPV (1.75%) = 7385267(P/A,1.75%,60)-251040000
= 21949009.39
NPV (2%) = 7385267(P/A,2%,60)-251040000
= 5679266.187
NPV (2.5%) = 7385267(P/A,2.5%,60)-251040000
= -22768782.3

1.5% X-1% 1.500%

=
46373198 80964677.985 103733460.3

634813.2 103733460.3X-1037334.603 = 1214470.17

1098545 103733460.3X = 2251804.773
0.023689 = 0.021707603
X(IRR)
2.37% = 2.17%
Mazda 2 R A/T
n Price
0 221240000
12 22125639
24 12221621
60 6536133

Bila Mencicil 12 Bulan Bila Mencicil 24 Bulan

NPV (1%) = 22125639(P/A,1%,12)-221240000
= 27784066.945
NPV (1.25%) = 22125639(P/A,1.25%,12)-221240000
= 23889954.481
NPV (1.5%) = 22125639(P/A,1.5%,12)-221240000
= 20084344.573
NPV (1.75%) = 22125639(P/A,1.75%,12)-221240000
= 16389362.86
NPV (2%) = 22125639(P/A,2%,12)-221240000
= 12738632.425
NPV (2.5%) = 22125639(P/A,2.5%,12)-221240000
= 5724804.862
NPV (3%) = 22125639(P/A,3%,12)-221240000
= -1001389.394
NPV (1%) = 12221621(P/A,1%,24)-221
= 38383894.9
NPV (1.25%) = 12221621(P/A,1.25%,24)-2
= 30818711.5
NPV (1.5%) = 12221621(P/A,1.5%,24)-22
= 23559068.6
NPV (1.75%) = 12221621(P/A,1.75%,24)-2
= 16604966.3
NPV (2%) = 12221621(P/A,2%,24)-221
= 9919739.59
NPV (2.5%) = 12221621(P/A,2.5%,24)-22
= -2656308.42

X-1% 2.0% X-1%

= =
27784066.95 28785456 38383894.903

28785456X-287854.56 = 555681.3 41040203X-410402.03 =

28785456X = 843535.9 41040203X =
= 0.029304 =
X(IRR) X(IRR)
= 2.93% =
encicil 24 Bulan
2221621(P/A,1%,24)-221240000
2221621(P/A,1.25%,24)-221240000
2221621(P/A,1.5%,24)-221240000
2221621(P/A,1.75%,24)-221240000
2221621(P/A,2%,24)-221240000
2221621(P/A,2.5%,24)-221240000
Bila Mencicil 60 Bulan
NPV (1%) = 7385267(P/A,1%,60)-251040000
= 72591859
NPV (1.25%) = 7385267(P/A,1.25%,60)-251040000
= 53506350.7
NPV (1.5%) = 7385267(P/A,1.5%,60)-251040000
= 36152917.5
NPV (1.75%) = 7385267(P/A,1.75%,60)-251040000
= 20361620.2
NPV (2%) = 7385267(P/A,2%,60)-251040000
= 5962519.21
NPV (2.5%) = 7385267(P/A,2.5%,60)-251040000
= -19214665

1.5% X-1% 1.5%

=
41040203 72591859.015 91806524.1

575758.4 91806524.1X-918065.241 = 1088877.89

986160.5 91806524.1X = 2006943.13
0.024029 = 0.02186057
X(IRR)
2.40% = 2.19%
)-251040000

251040000

)-251040000

251040000
1 Apakah semakin lama cicilan semakin besar bunganya?
Dari sheet sebelumnya diketahui bahwa dari Mazda CX-9 , Mazda 2 GT A/T , dan Mazda 2 R A/T perbandingan anta
IRR nya semakin lama mencicil semakin kecil sehingga dapat disimpulkan apabila semakin lama mencicil maka bung

2 Apakah semakin mahal harga mobil semakin besar bunganya?

Dari sheet sebelumnya diketahui bahwa harga paling besar ke yang paling kecil berturut turut adalah Mazda CX-9 ,
Setelah dilihat hasil perhitungan IRR nya maka dapat disimpulkan karena IRR Mazda 2 R>Mazda 2 GT>Mazda CX - 9
Semakin rendah harga mobil akan memiliki bunga lebih tinggi dan sebaliknya apabila harga mobil tinggi maka bung
 da 2 R A/T perbandingan antara mencicil 12 bulan , 24 bulan , dan 60 bulan.
akin lama mencicil maka bunganya pun akan semakin kecil

rut turut adalah Mazda CX-9 , Mazda 2 GT A/T , dan Mazda 2 R A/T.
2 R>Mazda 2 GT>Mazda CX - 9 yang berarti,
harga mobil tinggi maka bunganya pun akan lebih rendah
t A B C D
0 -1000 -1000 -1000 -1000
1 912 631 284
2 684 631 568
3 456 631 852
4 228 631 1136 3641

Project Balance
i 25% faktor = 1.25 t C Project balance
t A Project balance Total 0 -1000 -1000
0 -1000 -1000 1 284 -966
-1338
1 912 -338 2 568 -639.5
2 684 261.5 3 852 52.6
3 456 782.9 2250.97 4 1136 1201.8
4 228 1206.6

t B Project balance Total t D Project balance

0 -1000 -1000 0 -1000 -1000
1 631 -619 -1619 1 -1250
2 631 -142.8 2 -1562.5
3 631 452.6 3 -1953.1
1506.52
4 631 1196.7 4 3641 1199.6

untuk a akan mengalami kerugian sampai tahun ke 1

untuk b dan c akan mengalami kerugian sampai tahun ke 2
untuk d akan mengalami kerugian sampai tahun ke 3
 Total

-1966

614.91

Total

-2250

1199.6
 t A B C D
0 -1000 -1000 -1000 -1000
1 912 631 284
2 684 631 568
3 456 631 852
4 228 631 1136 3641

A
i= 50%
NPV = 912(P/F,50%,1) +684(P/F,50%,2)+456(P/F,50%,3)+228(P/F,50%,4) -1000
92.1428
i=60%
NPV = 912(P/F,60%,1) +684(P/F,60%,2)+456(P/F,60%,3)+228(P/F,60%,4) -1000
-16.7272
Interpolasi(X = IRR)
X-50% 10%
=
92.143 108.87

108.87X = 63.6493
X(IRR) = 0.584636
X(IRR) = 58.46
Maka IRR = 58.46%
B
i= 50%
NPV = 631(P/A,50%,4)-1000
12.755
NPV = 631(P/F,55%,1)+631(P/F,55%,2)+631(P/F,55%,3)+631(P/F,55%,4))-1000 I = 55%
-51.5439

Interpolasi(X = IRR)
X-50% 5%
=
12.6919 64.18416
64.184X = 32.72667
X = 0.509887
X = 50.99
Maka IRR = 50.99%
C
i= 40%
NPV = 284(P/F,40%,1)+568(P/F,40%,2)+852(P/F,40%,3)+1136(P/F,40%,4))-1000 =
98.8244
NPV = 284(P/F,50%,1)+568(P/F,50%,2)+852(P/F,50%,3)+1136(P/F,50%,4))-1000 = i= 50%
-81.4304
Interpolasi(X = IRR)
X-40% 10%
=
98.8244 180.2548

180.2548X (=) 81.98436

X (=) 0.454825
X (=) 45.48
Maka IRR = 45.48%
D
i= 50%
NPV = 3641(P/F,30%,4)-1000 =
274.7141
NPV = 3641(P/F,340%,4)-1000 =
-52.2477
Interpolasi(X = IRR)
X-30% 10%
=
274.7141 326.9618

326.9618X = 125.56
X = 0.38402
X = 38.40
Maka IRR = 38.40%
p/f,55%,n
0.6452
0.4162
0.2685
0.1732

p/f,40%,n p/f,50%,n
0.7143 0.6667
0.5102 0.4444
0.3644 0.2963
 0.2603 0.1975

0.3501 0.2603
 Profitability Index
t A B C D
0 -1000 -1000 -1000 -1000
1 912 631 284
2 684 631 568
3 456 631 852
4 228 631 1136 3641

A
PW Revenue = 1494.221 PI = 1.4942
PW Cost = 1000

B
PW Revenue = 1490.17 PI = 1.4902
PW Cost = 1000

C
PW Revenue = 1492.25 PI = 1.4922
PW Cost = 1000

D
PW Revenue = 1491.354 PI = 1.4914
PW Cost = 1000