No.

Tahun 0 1
1 Pendapatan
2 1.Equitas 3,500,000,000 100,000,000
3 2.Pinjaman 6,500,000,000
4 3.Pendapatan Operasional 4,751,500,000
5 Total Pendapatan (2+3+4) 4,851,500,000
6 Beban
7 Biaya investasi 9,900,000,000
8 Biaya operasional 2,850,900,000

9 Total beban (7+8) 2,850,900,000

10 Net Income (5-9) 2,000,600,000
11 Depresiasi&Amortisasi 660,000,000
12 EBIT (10-11) 1,340,600,000
13 Bunga Pinjaman 620,208,333
14 EBT (12-13) 720,391,667
15 Pajak (10% dari EBT) 72,039,167
16 EAT (14-15) 648,352,500
17 Penyesuaian
18 Depresiasi & Amortisasi 660,000,000
19 Pengembalian pinjaman 650,000,000
20 Saldo Akhir (16 +18-19) 100,000,000 658,352,500
 ARUS KAS BERSIH
10 TAHUN KEDEPAN

2 3 4 5 6

5,461,750,000 6,173,750,000 6,887,587,500 7,603,354,375 8,321,147,094

5,461,750,000 6,173,750,000 6,887,587,500 7,603,354,375 8,321,147,094

3,277,050,000 3,704,250,000 4,132,552,500 4,562,012,625 4,992,688,256

3,277,050,000 3,704,250,000 4,132,552,500 4,562,012,625 4,992,688,256

2,184,700,000 2,469,500,000 2,755,035,000 3,041,341,750 3,328,458,838
660,000,000 660,000,000 660,000,000 660,000,000 320,000,000
1,524,700,000 1,809,500,000 2,095,035,000 2,381,341,750 3,008,458,838
555,208,333 490,208,333 425,659,722 360,208,333 295,208,333
969,491,667 1,319,291,667 1,669,375,278 2,021,133,417 2,713,250,504
96,949,167 131,929,167 166,937,528 202,113,342 271,325,050
872,542,500 1,187,362,500 1,502,437,750 1,819,020,075 2,441,925,454

660,000,000 660,000,000 660,000,000 660,000,000 320,000,000

650,000,000 650,000,000 650,000,000 650,000,000 650,000,000
882,542,500 1,197,362,500 1,512,437,750 1,829,020,075 2,111,925,454
 7 8 9 10

9,041,066,948 9,763,220,296 10,487,718,811 11,214,679,751

9,041,066,948 9,763,220,296 10,487,718,811 11,214,679,751

5,424,640,169 5,857,932,178 6,292,631,286 6,728,807,851

5,424,640,169 5,857,932,178 6,292,631,286 6,728,807,851

3,616,426,779 3,905,288,118 4,195,087,524 4,485,871,900
320,000,000 320,000,000 320,000,000 320,000,000
3,296,426,779 3,585,288,118 3,875,087,524 4,165,871,900
230,208,333 165,208,333 100,208,333 35,208,333
3,066,218,446 3,420,079,785 3,774,879,191 4,130,663,567
306,621,845 342,007,979 377,487,919 413,066,357
2,759,596,601 3,078,071,807 3,397,391,272 3,717,597,210

320,000,000 320,000,000 693,625,000 693,625,000

650,000,000 650,000,000 650,000,000 650,000,000
2,429,596,601 2,748,071,807 3,441,016,272 3,761,222,210
Test

20,571,547,669
Jumlah Biaya

Unsur Biaya 1 2 3
1. Biaya SDM (27%) 769,743,000 884,803,500 1,000,147,500
2. Biaya bahan (25%) 712,725,000 819,262,500 926,062,500
3. Biaya jasa layanan (22%) 627,198,000 720,951,000 814,935,000
4. Biaya Pemeliharaan (7%) 199,563,000 229,393,500 259,297,500
5. Biaya Langganan daya &jasa (7%) 199,563,000 229,393,500 259,297,500
6. Biaya umum& adm.(10%) 285,090,000 327,705,000 370,425,000
7. Lain-lain (2%) 57,018,000 65,541,000 74,085,000
Jumlah Biaya Operasional 2,850,900,000 3,277,050,000 3,704,250,000

Jumlah Pendapatan
4,751,500,000 5,461,750,000 6,173,750,000
4 5 6 7 8
1,115,789,175 1,231,743,409 1,348,025,829 1,464,652,846 1,581,641,688
1,033,138,125 1,140,503,156 1,248,172,064 1,356,160,042 1,464,483,044
909,161,550 1,003,642,778 1,098,391,416 1,193,420,837 1,288,745,079
289,278,675 319,340,884 349,488,178 379,724,812 410,055,252
289,278,675 319,340,884 349,488,178 379,724,812 410,055,252
413,255,250 456,201,263 499,268,826 542,464,017 585,793,218
82,651,050 91,240,253 99,853,765 108,492,803 117,158,644
4,132,552,500 4,562,012,625 4,992,688,256 5,424,640,169 5,857,932,178

6,887,587,500 7,603,354,375 8,321,147,094 9,041,066,948 9,763,220,296

 Test
9 10
1,699,010,447 1,816,778,120
1,573,157,822 1,682,201,963
1,384,378,883 1,480,337,727
440,484,190 471,016,550
440,484,190 471,016,550
629,263,129 672,880,785
125,852,626 134,576,157
6,292,631,286 6,728,807,851 47,823,464,865

10,487,718,811 11,214,679,751 79,705,774,775

47,823,464,865
 I. RAWAT INAP

a. Perki Perkiraan
Hari perawatan
:

Tahun 1 2 3 4
No. Pelayanan Jml TT / BOR 30% 35% 40% 45%
VIP 2
R 219.0 255.5 292.0 328.5
I a 4
w
R 438.0 511.0 584.0 657.0
II aa 6
tR
w 657.0 766.5 876.0 985.5
a
III Iw
t 14
ba
R 1,533.0 1,788.5 2,044.0 2,299.5
Total H
atIu 26 2,847.0 3,321.5 3,796.0 4,270.5
aw
b
raV
Iu
itIb
P
uK
p
Il
ebK
s
rul
asI
w
K
b. PerkirPerkiraan alIJumlah Pasien
:
tsI
a
n
I
ITahun 1 2 3 4
I
No. Pelayanan
LOS
VIP 2 109.50 127.75 146.00 164.25
R
I 2
a
R
w 219.00 255.50 292.00 328.50
aa
II 2
w
tR
a 328.50 383.25 438.00 492.75
III at 2
Iw
R
b
766.50 894.25 1,022.00 1,149.75
aIa
Total P
u 1,423.50 1,660.75 1,898.00 2,135.25
tw
b
a
u
asV
It
iI
b
K
eP
u
Iln
sb
K
u
lI
sK
c. PerkirPerkiraan Jumlah Pendapatan
:
l
Is
I
Tahun 1 2 3 4
I
No. IPelayanan
Tarif rata2
VIP I 6,000,000
R 657,000,000 766,500,000 876,000,000 985,500,000
I a 4,000,000
w
R 876,000,000 1,022,000,000 1,168,000,000 1,314,000,000
II aa 3,000,000
tw 985,500,000 1,149,750,000 1,314,000,000 1,478,250,000
R
aa
It
w
b
a
u
tI
b
V
Iu
 III 2,000,000
R 1,533,000,000 1,788,500,000 2,044,000,000 2,299,500,000
Total R
a 4,051,500,000 4,726,750,000 5,402,000,000 6,077,250,000
u
w
p
a
it
a
h
I
b
II. u
RAWAT JALAN
K
a. PerkirlPerkiraan
Jumlah Pasien
:
s

No.
ITahun 1 2 3 4
I
IPelayanan
Pasien/hari 250 250 250 250
Umum G 15
a 3,750 3,938 4,134 4,341
Anak P w 5
oa 1,250 1,313 1,378 1,447
Keb lt
K 15
li 3,750 3,938 4,134 4,341
Gigi kD i
K 5 1,250 1,313 1,378 1,447
laln
Total P
iir
aknu
n
sir
i
ikaK
k
etI
n
uS
A
m
p/
ue
K
m
sB
b. PerkirPerkiraan .Jumlah Pendapatan
:
K
No. aTahun 1 2 3 4
n
dPelayanan Tarif/kunjungan
Umum uG 70,000
na 262,500,000 275,625,000 289,406,250 303,876,563
Anak P g
w 70,000
aao 87,500,000 91,875,000 96,468,750 101,292,188
Keb nK
lt 70,000
li
262,500,000 275,625,000 289,406,250 303,876,563
ikD
Gigi K nla 70,000
lir 87,500,000 91,875,000 96,468,750 101,292,188
Total iP
knu 700,000,000 735,000,000 771,750,000 810,337,500
neir
in
ka
K
kItd
aA
u
S
/m
p
paK
u
TOTAL PENDAPATAN etB
m
RS
sa
.n

K
a Pelayanan 1 2 3 4
n
dI Rawat Inap 4,051,500,000 4,726,750,000 5,402,000,000 6,077,250,000
uII. Rawat Jalan 700,000,000 735,000,000 771,750,000 810,337,500
n
gTOTAL 4,751,500,000 5,461,750,000 6,173,750,000 6,887,587,500
a
n
 5 6 7 8 9
50% 55% 60% 65% 70%

365.0 401.5 438.0 474.5 511.0

730.0 803.0 876.0 949.0 1,022.0

1,095.0 1,204.5 1,314.0 1,423.5 1,533.0

2,555.0 2,810.5 3,066.0 3,321.5 3,577.0

4,745.0 5,219.5 5,694.0 6,168.5 6,643.0

5 6 7 8 9

182.50 200.75 219.00 237.25 255.50

365.00 401.50 438.00 474.50 511.00

547.50 602.25 657.00 711.75 766.50

1,277.50 1,405.25 1,533.00 1,660.75 1,788.50
2,372.50 2,609.75 2,847.00 3,084.25 3,321.50

5 6 7 8 9

1,095,000,000 1,204,500,000 1,314,000,000 1,423,500,000 1,533,000,000

1,460,000,000 1,606,000,000 1,752,000,000 1,898,000,000 2,044,000,000

1,642,500,000 1,806,750,000 1,971,000,000 2,135,250,000 2,299,500,000

2,555,000,000 2,810,500,000 3,066,000,000 3,321,500,000 3,577,000,000
6,752,500,000 7,427,750,000 8,103,000,000 8,778,250,000 9,453,500,000

5 6 7 8 9
250 250 250 250 250

4,558 4,786 5,025 5,277 5,540

1,519 1,595 1,675 1,759 1,847

4,558 4,786 5,025 5,277 5,540

1,519 1,595 1,675 1,759 1,847

5 6 7 8 9

319,070,391 335,023,910 351,775,106 369,363,861 387,832,054

106,356,797 111,674,637 117,258,369 123,121,287 129,277,351

319,070,391 335,023,910 351,775,106 369,363,861 387,832,054

106,356,797 111,674,637 117,258,369 123,121,287 129,277,351

850,854,375 893,397,094 938,066,948 984,970,296 1,034,218,811

5 6 7 8 9
6,752,500,000 7,427,750,000 8,103,000,000 8,778,250,000 9,453,500,000
850,854,375 893,397,094 938,066,948 984,970,296 1,034,218,811

7,603,354,375 8,321,147,094 9,041,066,948 9,763,220,296 10,487,718,811

 10
75%

547.5

1,095.0

1,642.5

3,832.5
7,117.5

10

273.75

547.50

821.25
1,916.25
3,558.75

10

1,642,500,000

2,190,000,000

2,463,750,000
 3,832,500,000
10,128,750,000

10
250

5,817

1,939

5,817
1,939

10

407,223,657

135,741,219

407,223,657

135,741,219
1,085,929,751

10
10,128,750,000 70,901,250,000
1,085,929,751 8,804,524,775
11,214,679,751 79,705,774,775
 Depresiasi dan Amortisasi

Aset Perolehan Umur 1 2 3

Tanah 2,000,000,000
Bangunan : 4,000,000,000 40 100,000,000 100,000,000 100,000,000
Biaya sistem + Komputer 250,000,000 5 50,000,000 50,000,000 50,000,000
Kendaraan 300,000,000 5 60,000,000 60,000,000 60,000,000
Alat Medik dan Non medik 2,200,000,000 10 220,000,000 220,000,000 220,000,000
Mebelair 1,000,000,000 5 200,000,000 200,000,000 200,000,000
SDM & Legalitas 150,000,000 5 30,000,000 30,000,000 30,000,000
Jumlah 9,900,000,000 660,000,000 660,000,000 660,000,000
 4 5 6 7 8 9

100,000,000 100,000,000 100,000,000 100,000,000 100,000,000 100,000,000

50,000,000 50,000,000
60,000,000 60,000,000
220,000,000 220,000,000 220,000,000 220,000,000 220,000,000 220,000,000
200,000,000 200,000,000
30,000,000 30,000,000
660,000,000 660,000,000 320,000,000 320,000,000 320,000,000 320,000,000
10 11
2,000,000,000
100,000,000 dst 1,000,000,000
250,000,000
300,000,000
220,000,000 2,200,000,000
1,000,000,000
150,000,000
320,000,000 6,900,000,000
 DATA CASH FLOW
Invetasi Awal 3500000000
6500000000
10,000,000,000

Tahun ke Net Cash Flow

1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
10 3,761,222,210
Total 20,571,547,669
Rata2/th 2,057,154,767

I. Tingkat Pemuliahan ( Payback Periode /BEP)

Investasi awal 10,000,000,000
Th ke 1 658,352,500
Sisa 9,341,647,500
Th ke 2 882,542,500
Sisa 8,459,105,000
Th ke 3 1,197,362,500
Sisa 7,261,742,500
Th ke 4 1,512,437,750
Sisa 5,749,304,750
Th ke 5 1,829,020,075
Sisa 3,920,284,675
Th ke 6 2,111,925,454
Sisa terakhir 1,808,359,221
Rata-rata 2,057,154,767
(Sisa terakhir /rata-rata) x 12 bulan 11

PP = 6 tahun 11 bulan

II. N P V
 Tahun Arus Kas
1 2
1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
10 3,761,222,210
Present Value Arus Kas
Investasi Awal
Net Present Value

III. I R R
Langkah-langkah :
a. Arus kas total 10 tahun 20,571,547,669
b. Arus kas rata2 per tahun 2,057,154,767
c. Investasi awal 10,000,000,000
d. Rata2 tingkat pengembalian 4.8611
e. Cari di daftar bunga (PVIF) n = 10
dan nilai PVIF menedekati angka 4.8611
f. n=10, nilai PVIF = 4.8611, yaitu : 16%

Tahun Arus Kas

1 2
1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
 10 3,761,222,210
Present Value Arus Kas
Investasi Awal
Net Present Value

g. Arus kas awal tahun < arus kas rata2

turunkan 2% 14%
Tahun Arus Kas
1 2
1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
10 3,761,222,210
Present Value Arus Kas
Investasi Awal
Net Present Value

NPV nya masih negatif (1,116,292,560)

turunkan lagi 3% 11%

Tahun Arus Kas
1 2
1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
10 3,761,222,210
Present Value Arus Kas
Investasi Awal
Net Present Value

NPV nya positif 429,373,906

 Berarti IRR nya berada pada : 11 % dan 14 %

h. Interpolasi :
1 429,373,906 (1,116,292,560)
2 0 (1,116,292,560)
3 1,116,292,560 1,545,666,466
4 14% 2.17%

TEST : 12%, hasilnya NPV nya negatif

Tahun Arus Kas
1 2
1 658,352,500
2 882,542,500
3 1,197,362,500
4 1,512,437,750
5 1,829,020,075
6 2,111,925,454
7 2,429,596,601
8 2,748,071,807
9 3,441,016,272
10 3,761,222,210
Present Value Arus Kas
Investasi Awal
Net Present Value

NPV nya negatif. (124,752,649)

PVIFA 10% , 10 Thn Present Value
3 4 (2 x 3)
0.909 598,442,423
0.826 728,980,105
0.751 899,219,238
0.683 1,032,994,983
0.621 1,135,821,467
0.564 1,191,125,956
0.513 1,246,383,057
0.467 1,283,349,534
0.424 1,458,990,899
0.386 1,451,831,773
11,027,139,433
10,000,000,000
1,027,139,433

NPV 1,027,139,433

PVIFA 16% , 10 Thn Present Value

3 4 (2 x 3)
0.862 567,499,855
0.743 655,729,078
0.641 767,509,363
0.552 834,865,638
0.476 870,613,556
0.41 865,889,436
0.354 860,077,197
0.305 838,161,901
0.263 904,987,279
 0.227 853,797,442
8,019,130,744
10,000,000,000
(1,980,869,256)

PVIFA 14% , 10 Thn Present Value

3 4 (2 x 3)
0.877 577,375,143
0.769 678,675,183
0.675 808,219,688
0.592 895,363,148
0.519 949,261,419
0.456 963,038,007
0.4 971,838,641
0.351 964,573,204
0.308 1,059,833,012
0.27 1,015,529,997
8,883,707,440
10,000,000,000
(1,116,292,560)

PVIFA 11% , 10 Thn Present Value

3 4 (2 x 3)
0.901 593,175,603
0.812 716,624,510
0.731 875,271,988
0.659 996,696,477
0.593 1,084,608,904
0.535 1,129,880,118
0.482 1,171,065,562
0.434 1,192,663,164
0.391 1,345,437,362
0.352 1,323,950,218
10,429,373,906
10,000,000,000
429,373,906
 1,545,666,466
1,116,292,560
2.16662375394668
11.83%

PVIFA 12% , 10 Thn Present Value

3 4 (2 x 3)
0.893 587,908,783
0.797 703,386,373
0.712 852,522,100
0.636 961,910,409
0.567 1,037,054,383
0.507 1,070,746,205
0.452 1,098,177,664
0.404 1,110,221,010
0.361 1,242,206,874
0.322 1,211,113,552
9,875,247,351
10,000,000,000
(124,752,649)
PVIF:

Period 5% 6% 7% 8% 9%
1 0.952 0.943 0.935 0.926 0.917
2 0.907 0.89 0.873 0.857 0.842
3 0.864 0.84 0.816 0.794 0.772
4 0.823 0.792 0.763 0.735 0.708
5 0.784 0.747 0.713 0.681 0.65
6 0.746 0.705 0.666 0.63 0.596
7 0.711 0.665 0.623 0.583 0.547
8 0.677 0.627 0.582 0.54 0.502
9 0.645 0.592 0.544 0.5 0.46
10 0.614 0.558 0.508 0.463 0.422

FVIF:

Period 5% 6% 7% 8% 9%
1 1.05 1.06 1.07 1.08 1.09
2 1.102 1.124 1.145 1.166 1.188
3 1.158 1.191 1.225 1.26 1.295
4 1.216 1.262 1.311 1.36 1.412
5 1.276 1.338 1.403 1.469 1.539
6 1.34 1.419 1.501 1.587 1.677
7 1.407 1.504 1.606 1.714 1.828
8 1.477 1.594 1.718 1.851 1.993
9 1.551 1.689 1.838 1.999 2.172
10 1.629 1.791 1.967 2.159 2.367
10% 11% 12% 13% 14% 15% 16% 17% 18%
0.909 0.901 0.893 0.885 0.877 0.87 0.862 0.855 0.847
0.826 0.812 0.797 0.783 0.769 0.756 0.743 0.731 0.718
0.751 0.731 0.712 0.693 0.675 0.658 0.641 0.624 0.609
0.683 0.659 0.636 0.613 0.592 0.572 0.552 0.534 0.516
0.621 0.593 0.567 0.543 0.519 0.497 0.476 0.456 0.437
0.564 0.535 0.507 0.48 0.456 0.432 0.41 0.39 0.37
0.513 0.482 0.452 0.425 0.4 0.376 0.354 0.333 0.314
0.467 0.434 0.404 0.376 0.351 0.327 0.305 0.285 0.266
0.424 0.391 0.361 0.333 0.308 0.284 0.263 0.243 0.225
0.386 0.352 0.322 0.295 0.27 0.247 0.227 0.208 0.191

5.019 4.833 4.659

10% 11% 12% 13% 14% 15% 16% 20% 25%

1.1 1.11 1.12 1.13 1.14 1.15 1.16 1.2 1.25
1.21 1.232 1.254 1.277 1.3 1.322 1.346 1.44 1.562
1.331 1.368 1.405 1.443 1.482 1.521 1.561 1.728 1.953
1.464 1.518 1.574 1.63 1.689 1.749 1.811 2.074 2.441
1.611 1.685 1.762 1.842 1.925 2.011 2.1 2.488 3.052
1.772 1.87 1.974 2.082 2.195 2.313 2.436 2.986 3.815
1.949 2.076 2.211 2.353 2.502 2.66 2.826 3.583 4.768
2.144 2.305 2.476 2.658 2.853 3.059 3.278 4.3 5.96
2.358 2.558 2.773 3.004 3.252 3.518 3.803 5.16 7.451
2.594 2.839 3.106 3.395 3.707 4.046 4.411 6.192 9.313
Plafond 6,500,000,000 Rupiah Perhitungan Kredit Bunga Efektif
jml angs. 120 kali
rate 10.0% per tahun

Angsuran Angsuran Angsuran Total

ke Pokok Bunga Angsuran
1 54,166,667 54,166,667 108,333,333
2 54,166,667 53,715,278 107,881,944
3 54,166,667 53,263,889 107,430,556
4 54,166,667 52,812,500 106,979,167
5 54,166,667 52,361,111 106,527,778
6 54,166,667 51,909,722 106,076,389
7 54,166,667 51,458,333 105,625,000
8 54,166,667 51,006,944 105,173,611
9 54,166,667 50,555,556 104,722,222
10 54,166,667 50,104,167 104,270,833
11 54,166,667 49,652,778 103,819,444
12 54,166,667 49,201,389 103,368,056
I 650,000,000 620,208,333 1,270,208,333
13 54,166,667 48,750,000 102,916,667
14 54,166,667 48,298,611 102,465,278
15 54,166,667 47,847,222 102,013,889
16 54,166,667 47,395,833 101,562,500
17 54,166,667 46,944,444 101,111,111
18 54,166,667 46,493,056 100,659,722
19 54,166,667 46,041,667 100,208,333
20 54,166,667 45,590,278 99,756,944
21 54,166,667 45,138,889 99,305,556
22 54,166,667 44,687,500 98,854,167
23 54,166,667 44,236,111 98,402,778
24 54,166,667 43,784,722 97,951,389
II 650,000,000 555,208,333 1,205,208,333
25 54,166,667 43,333,333 97,500,000
26 54,166,667 42,881,944 97,048,611
27 54,166,667 42,430,556 96,597,222
28 54,166,667 41,979,167 96,145,833
29 54,166,667 41,527,778 95,694,444
30 54,166,667 41,076,389 95,243,056
31 54,166,667 40,625,000 94,791,667
32 54,166,667 40,173,611 94,340,278
33 54,166,667 39,722,222 93,888,889
34 54,166,667 39,270,833 93,437,500
35 54,166,667 38,819,444 92,986,111
36 54,166,667 38,368,056 92,534,722
III 650,000,000 490,208,333 1,140,208,333
37 54,166,667 37,916,667 92,083,333
38 54,166,667 37,465,278 91,631,944
39 54,166,667 37,013,889 91,180,556
40 54,166,667 36,562,500 90,729,167
41 54,166,667 36,111,111 90,277,778
42 54,166,667 35,659,722 89,826,389
42 54,166,667 35,659,722 89,826,389
44 54,166,667 34,756,944 88,923,611
45 54,166,667 34,305,556 88,472,222
46 54,166,667 33,854,167 88,020,833
47 54,166,667 33,402,778 87,569,444
48 54,166,667 32,951,389 87,118,056
IV 650,000,000 425,659,722 1,075,659,722
49 54,166,667 32,500,000 86,666,667
50 54,166,667 32,048,611 86,215,278
51 54,166,667 31,597,222 85,763,889
52 54,166,667 31,145,833 85,312,500
53 54,166,667 30,694,444 84,861,111
54 54,166,667 30,243,056 84,409,722
55 54,166,667 29,791,667 83,958,333
56 54,166,667 29,340,278 83,506,944
57 54,166,667 28,888,889 83,055,556
58 54,166,667 28,437,500 82,604,167
59 54,166,667 27,986,111 82,152,778
60 54,166,667 27,534,722 81,701,389
V 650,000,000 360,208,333 1,010,208,333
61 54,166,667 27,083,333 81,250,000
62 54,166,667 26,631,944 80,798,611
63 54,166,667 26,180,556 80,347,222
64 54,166,667 25,729,167 79,895,833
65 54,166,667 25,277,778 79,444,444
66 54,166,667 24,826,389 78,993,056
67 54,166,667 24,375,000 78,541,667
68 54,166,667 23,923,611 78,090,278
69 54,166,667 23,472,222 77,638,889
70 54,166,667 23,020,833 77,187,500
71 54,166,667 22,569,444 76,736,111
72 54,166,667 22,118,056 76,284,722
VI 650,000,000 295,208,333 945,208,333
73 54,166,667 21,666,667 75,833,333
74 54,166,667 21,215,278 75,381,944
75 54,166,667 20,763,889 74,930,556
76 54,166,667 20,312,500 74,479,167
77 54,166,667 19,861,111 74,027,778
78 54,166,667 19,409,722 73,576,389
 79 54,166,667 18,958,333 73,125,000
80 54,166,667 18,506,944 72,673,611
81 54,166,667 18,055,556 72,222,222
82 54,166,667 17,604,167 71,770,833
83 54,166,667 17,152,778 71,319,444
84 54,166,667 16,701,389 70,868,056
VII 650,000,000 230,208,333 880,208,333
85 54,166,667 16,250,000 70,416,667
86 54,166,667 15,798,611 69,965,278
87 54,166,667 15,347,222 69,513,889
88 54,166,667 14,895,833 69,062,500
89 54,166,667 14,444,444 68,611,111
90 54,166,667 13,993,056 68,159,722
91 54,166,667 13,541,667 67,708,333
92 54,166,667 13,090,278 67,256,944
93 54,166,667 12,638,889 66,805,556
94 54,166,667 12,187,500 66,354,167
95 54,166,667 11,736,111 65,902,778
96 54,166,667 11,284,722 65,451,389
VIII 650,000,000 165,208,333 815,208,333
97 54,166,667 10,833,333 65,000,000
98 54,166,667 10,381,944 64,548,611
99 54,166,667 9,930,556 64,097,222
100 54,166,667 9,479,167 63,645,833
101 54,166,667 9,027,778 63,194,444
102 54,166,667 8,576,389 62,743,056
103 54,166,667 8,125,000 62,291,667
104 54,166,667 7,673,611 61,840,278
105 54,166,667 7,222,222 61,388,889
106 54,166,667 6,770,833 60,937,500
107 54,166,667 6,319,444 60,486,111
108 54,166,667 5,868,056 60,034,722
IX 650,000,000 100,208,333 750,208,333
109 54,166,667 5,416,667 59,583,333
110 54,166,667 4,965,278 59,131,944
111 54,166,667 4,513,889 58,680,556
112 54,166,667 4,062,500 58,229,167
113 54,166,667 3,611,111 57,777,778
114 54,166,667 3,159,722 57,326,389
115 54,166,667 2,708,333 56,875,000
116 54,166,667 2,256,944 56,423,611
117 54,166,667 1,805,556 55,972,222
118 54,166,667 1,354,167 55,520,833
119 54,166,667 902,778 55,069,444
120 54,166,667 451,389 54,618,056
 X 650,000,000 35,208,333 685,208,333
Total 6,500,000,000 3,277,534,722 9,777,534,722
n Kredit Bunga Efektif

Sisa
Pinjaman pokok
6,445,833,333
6,391,666,667
6,337,500,000
6,283,333,333
6,229,166,667
6,175,000,000
6,120,833,333
6,066,666,667
6,012,500,000
5,958,333,333
5,904,166,667
5,850,000,000

5,795,833,333
5,741,666,667
5,687,500,000
5,633,333,333
5,579,166,667
5,525,000,000
5,470,833,333
5,416,666,667
5,362,500,000
5,308,333,333
5,254,166,667
5,200,000,000

5,145,833,333
5,091,666,667
5,037,500,000
4,983,333,333
4,929,166,667
4,875,000,000
4,820,833,333
4,766,666,667
4,712,500,000
4,658,333,333
4,604,166,667
4,550,000,000
4,495,833,333
4,441,666,667
4,387,500,000
4,333,333,333
4,279,166,667
4,225,000,000
4,225,000,000
4,116,666,667
4,062,500,000
4,008,333,333
3,954,166,667
3,900,000,000

3,845,833,333
3,791,666,667
3,737,500,000
3,683,333,333
3,629,166,667
3,575,000,000
3,520,833,333
3,466,666,667
3,412,500,000
3,358,333,333
3,304,166,667
3,250,000,000

3,195,833,333
3,141,666,667
3,087,500,000
3,033,333,333
2,979,166,667
2,925,000,000
2,870,833,333
2,816,666,667
2,762,500,000
2,708,333,333
2,654,166,667
2,600,000,000

2,545,833,333
2,491,666,667
2,437,500,000
2,383,333,333
2,329,166,667
2,275,000,000
2,220,833,333
2,166,666,667
2,112,500,000
2,058,333,333
2,004,166,667
1,950,000,000

1,895,833,333
1,841,666,667
1,787,500,000
1,733,333,333
1,679,166,667
1,625,000,000
1,570,833,333
1,516,666,667
1,462,500,000
1,408,333,333
1,354,166,667
1,300,000,000

1,245,833,333
1,191,666,667
1,137,500,000
1,083,333,333
1,029,166,667
975,000,000
920,833,333
866,666,667
812,500,000
758,333,333
704,166,667
650,000,000

595,833,333
541,666,667
487,500,000
433,333,333
379,166,667
325,000,000
270,833,333
216,666,667
162,500,000
108,333,333
54,166,667
0
0