rate 5%

nper 12
pmt -100000
pv
type 1
FV Rp1,233,001.74

rate 13%
nper 10
pmt -500000
pv -1750000
type 1
FV Rp16,347,651.20

rate 12%
nper 5
pmt -1000000
fv
type 1
PV Rp3,604,775.63

Kelayakan = Modal < PV

nper 5
pmt 1500000
pv -5000000
[fv]
[type]
[guess]
RATE 15%

rate 13%
pmt -213938.2
pv 4500000
[fv] 20
[type]
NPER 24
rate 13%
nper 24
pv -4500000
[fv]
[type]
PMT Rp213,938.20
Harga furnitur : Rp17,000,000 Angsuran ke Besar Angsuran Sisa Pinjaman
Uang muka : Rp6,000,000 1 (Rp306,138.23) (Rp14,388,496.85)
Pinjaman : Rp11,000,000 2 (Rp306,138.23) (Rp14,082,358.62)
Suku bunga : 15% 3 (Rp306,138.23) (Rp13,776,220.39)
Jangka waktu : 4 th 4 (Rp306,138.23) (Rp13,470,082.16)
5 (Rp306,138.23) (Rp13,163,943.93)
6 (Rp306,138.23) (Rp12,857,805.70)
7 (Rp306,138.23) (Rp12,551,667.47)
8 (Rp306,138.23) (Rp12,245,529.24)
9 (Rp306,138.23) (Rp11,939,391.01)
10 (Rp306,138.23) (Rp11,633,252.78)
11 (Rp306,138.23) (Rp11,327,114.54)
12 (Rp306,138.23) (Rp11,020,976.31)
13 (Rp306,138.23) (Rp10,714,838.08)
14 (Rp306,138.23) (Rp10,408,699.85)
15 (Rp306,138.23) (Rp10,102,561.62)
16 (Rp306,138.23) (Rp9,796,423.39)
17 (Rp306,138.23) (Rp9,490,285.16)
18 (Rp306,138.23) (Rp9,184,146.93)
19 (Rp306,138.23) (Rp8,878,008.70)
20 (Rp306,138.23) (Rp8,571,870.47)
21 (Rp306,138.23) (Rp8,265,732.24)
22 (Rp306,138.23) (Rp7,959,594.00)
23 (Rp306,138.23) (Rp7,653,455.77)
24 (Rp306,138.23) (Rp7,347,317.54)
25 (Rp306,138.23) (Rp7,041,179.31)
26 (Rp306,138.23) (Rp6,735,041.08)
27 (Rp306,138.23) (Rp6,428,902.85)
28 (Rp306,138.23) (Rp6,122,764.62)
29 (Rp306,138.23) (Rp5,816,626.39)
30 (Rp306,138.23) (Rp5,510,488.16)
31 (Rp306,138.23) (Rp5,204,349.93)
32 (Rp306,138.23) (Rp4,898,211.69)
33 (Rp306,138.23) (Rp4,592,073.46)
34 (Rp306,138.23) (Rp4,285,935.23)
35 (Rp306,138.23) (Rp3,979,797.00)
36 (Rp306,138.23) (Rp3,673,658.77)
37 (Rp306,138.23) (Rp3,367,520.54)
38 (Rp306,138.23) (Rp3,061,382.31)
39 (Rp306,138.23) (Rp2,755,244.08)
40 (Rp306,138.23) (Rp2,449,105.85)
41 (Rp306,138.23) (Rp2,142,967.62)
42 (Rp306,138.23) (Rp1,836,829.39)
43 (Rp306,138.23) (Rp1,530,691.15)
44 (Rp306,138.23) (Rp1,224,552.92)
45 (Rp306,138.23) (Rp918,414.69)
46 (Rp306,138.23) (Rp612,276.46)
47 (Rp306,138.23) (Rp306,138.23)
48 (Rp306,138.23) Rp0.00
NAMA : SEFRIDA AYU LISANDRIA
NO : 23
KELAS : AK-1E
 Pokok pinjaman : 150,000,000
Jangka waktu (tahun) : 3
Bunga : 17%

cicilan cicilan
Periode Angsuran per
ke Bulan Saldo awal bulan bulan Pokok Bunga

1 10-Dec-22 Rp150,000,000 Rp5,347,909 Rp3,222,909 Rp2,125,000

2 9-Jan-23 Rp146,777,091 Rp5,347,909 Rp3,268,567 Rp2,079,342
3 8-Feb-23 Rp143,508,524 Rp5,347,909 Rp3,314,872 Rp2,033,037
4 10-Mar-23 Rp140,193,652 Rp5,347,909 Rp3,361,832 Rp1,986,077
5 9-Apr-23 Rp136,831,820 Rp5,347,909 Rp3,409,458 Rp1,938,451
6 9-May-23 Rp133,422,361 Rp5,347,909 Rp3,457,759 Rp1,890,150
7 8-Jun-23 Rp129,964,602 Rp5,347,909 Rp3,506,744 Rp1,841,165
8 8-Jul-23 Rp126,457,858 Rp5,347,909 Rp3,556,423 Rp1,791,486
9 7-Aug-23 Rp122,901,436 Rp5,347,909 Rp3,606,805 Rp1,741,104
10 6-Sep-23 Rp119,294,630 Rp5,347,909 Rp3,657,902 Rp1,690,007
11 6-Oct-23 Rp115,636,728 Rp5,347,909 Rp3,709,722 Rp1,638,187
12 5-Nov-23 Rp111,927,006 Rp5,347,909 Rp3,762,277 Rp1,585,633
13 5-Dec-23 Rp108,164,730 Rp5,347,909 Rp3,815,575 Rp1,532,334
14 4-Jan-24 Rp104,349,154 Rp5,347,909 Rp3,869,629 Rp1,478,280
15 3-Feb-24 Rp100,479,525 Rp5,347,909 Rp3,924,449 Rp1,423,460
16 4-Mar-24 Rp96,555,076 Rp5,347,909 Rp3,980,046 Rp1,367,864
17 3-Apr-24 Rp92,575,030 Rp5,347,909 Rp4,036,430 Rp1,311,480
18 3-May-24 Rp88,538,600 Rp5,347,909 Rp4,093,612 Rp1,254,297
19 2-Jun-24 Rp84,444,988 Rp5,347,909 Rp4,151,605 Rp1,196,304
20 2-Jul-24 Rp80,293,383 Rp5,347,909 Rp4,210,420 Rp1,137,490
21 1-Aug-24 Rp76,082,964 Rp5,347,909 Rp4,270,067 Rp1,077,842
22 31-Aug-24 Rp71,812,896 Rp5,347,909 Rp4,330,560 Rp1,017,349
23 30-Sep-24 Rp67,482,337 Rp5,347,909 Rp4,391,909 Rp956,000
24 30-Oct-24 Rp63,090,427 Rp5,347,909 Rp4,454,128 Rp893,781
25 29-Nov-24 Rp58,636,299 Rp5,347,909 Rp4,517,228 Rp830,681
26 29-Dec-24 Rp54,119,071 Rp5,347,909 Rp4,581,222 Rp766,687
27 28-Jan-25 Rp49,537,849 Rp5,347,909 Rp4,646,123 Rp701,786
28 27-Feb-25 Rp44,891,726 Rp5,347,909 Rp4,711,943 Rp635,966
29 29-Mar-25 Rp40,179,783 Rp5,347,909 Rp4,778,696 Rp569,214
30 28-Apr-25 Rp35,401,087 Rp5,347,909 Rp4,846,394 Rp501,515
31 28-May-25 Rp30,554,693 Rp5,347,909 Rp4,915,051 Rp432,858
32 27-Jun-25 Rp25,639,642 Rp5,347,909 Rp4,984,681 Rp363,228
33 27-Jul-25 Rp20,654,962 Rp5,347,909 Rp5,055,297 Rp292,612
34 26-Aug-25 Rp15,599,664 Rp5,347,909 Rp5,126,914 Rp220,995
35 25-Sep-25 Rp10,472,751 Rp5,347,909 Rp5,199,545 Rp148,364
36 25-Oct-25 Rp5,273,205 Rp5,347,909 Rp5,273,205 Rp74,704
=pmt() =ppmt =ipmt
Saldo akhir bulan

Rp146,777,091 Pokok = ppmt

Rp143,508,524 Bunga= ipmt
Rp140,193,652
Rp136,831,820
Rp133,422,361
Rp129,964,602
Rp126,457,858
Rp122,901,436
Rp119,294,630
Rp115,636,728
Rp111,927,006
Rp108,164,730
Rp104,349,154
Rp100,479,525
Rp96,555,076
Rp92,575,030
Rp88,538,600
Rp84,444,988
Rp80,293,383
Rp76,082,964
Rp71,812,896
Rp67,482,337
Rp63,090,427
Rp58,636,299
Rp54,119,071
Rp49,537,849
Rp44,891,726
Rp40,179,783
Rp35,401,087
Rp30,554,693
Rp25,639,642
Rp20,654,962
Rp15,599,664
Rp10,472,751
Rp5,273,205
Rp0
Saldo = 0
DAFTAR ANGSURAN PER BULAN
PINJAMAN LUNAK DARI BANK "HBBS"

NOMINAL JANGKA WAKTU

PINJAMAN 1 2 3 4 5
Rp5,000,000 -Rp461,260 -Rp252,529 -Rp183,786 -Rp150,029 -Rp130,254
Rp10,000,000 -Rp922,521 -Rp505,058
Rp15,000,000 -Rp1,383,781
Rp20,000,000 -Rp1,845,041
Rp25,000,000 -Rp2,306,301
Rp30,000,000 -Rp2,767,562
Rp35,000,000 -Rp3,228,822
Rp40,000,000 -Rp3,690,082
Rp45,000,000 -Rp4,151,343
Rp50,000,000 -Rp4,612,603
Rp55,000,000 -Rp5,073,863
Rp60,000,000 -Rp5,535,123
Rp65,000,000 -Rp5,996,384
Rp70,000,000 -Rp6,457,644
Rp75,000,000 -Rp6,918,904
Rp80,000,000 -Rp7,380,165
Rp85,000,000 -Rp7,841,425
Rp90,000,000 -Rp8,302,685
Rp95,000,000 -Rp8,763,945
Rp100,000,000 -Rp9,225,206
DAFTAR PENERIMAAN DI AKHIR PERIODE
NILAI DEPOSITO Rp30,000,000

JANGKA TINGKAT JUMLAH UANG AKHIR

WAKTU BUNGA
(BULAN) (TAHUN) PERIODE

3 8% (Rp31,836,240.00)
6 9% (Rp34,284,763.25)
9 10% (Rp37,465,889.10)
12 11% (Rp41,543,513.26)
15 12% (Rp46,739,022.50)
18 13% (Rp53,350,972.54)
21 14% (Rp61,782,944.21)
24 15% (Rp72,583,145.31)
DAFTAR NILAI UANG YANG HARUS DITABUNG
NILAI MENDATANG Rp5,000,000
BUNGA (PA) 15%

JANGKA WAKTU UANG YANG DITABUNG

1 -Rp4,149,966
2
3
4
5
6
7
8
9
10
11
12
13
14
15
HARGA PEROLEHAN 10,000,000
UMUR EKONOMIS (TH) 10
NILAI SISA 500,000

SLN SYD
TAHUN KE BESAR PENYUSUTAN AKUMULASI PENYUSUTAN NILAI BUKU TAHUN KE
1 Rp950,000 Rp950,000 Rp9,050,000 1
2 Rp950,000 Rp1,900,000 Rp8,100,000 2
3 Rp950,000 Rp2,850,000 Rp7,150,000 3
4 Rp950,000 Rp3,800,000 Rp6,200,000 4
5 Rp950,000 Rp4,750,000 Rp5,250,000 5
6 Rp950,000 Rp5,700,000 Rp4,300,000 6
7 Rp950,000 Rp6,650,000 Rp3,350,000 7
8 Rp950,000 Rp7,600,000 Rp2,400,000 8
9 Rp950,000 Rp8,550,000 Rp1,450,000 9
10 Rp950,000 Rp9,500,000 Rp500,000 10

NOTE
 DDB
BESAR PENYUSUTAN AKUMULASI PENYUSUTAN NILAI AKHIR TAHUN KE
Rp1,727,273 Rp1,727,273 Rp8,272,727 1
Rp1,554,545 Rp3,281,818 Rp6,718,182 2
Rp1,381,818 Rp4,663,636 Rp5,336,364 3
Rp1,209,091 Rp5,872,727 Rp4,127,273 4
Rp1,036,364 Rp6,909,091 Rp3,090,909 5
Rp863,636 Rp7,772,727 Rp2,227,273 6
Rp690,909 Rp8,463,636 Rp1,536,364 7
Rp518,182 Rp8,981,818 Rp1,018,182 8
Rp345,455 Rp9,327,273 Rp672,727 9
Rp172,727 Rp9,500,000 Rp500,000 10
 DB
BESAR PENYUSUTAN AKUMULASI PENYUSUTAN NILAI AKHIR TAHUN KE
Rp3,000,000.00 Rp3,000,000.00 7,000,000 1
Rp2,100,000.00 Rp5,100,000.00 4,900,000 2
Rp1,470,000.00 Rp6,570,000.00 3,430,000 3
Rp1,029,000.00 Rp7,599,000.00 2,401,000 4
Rp720,300.00 Rp8,319,300.00 1,680,700 5
Rp504,210.00 Rp8,823,510.00 1,176,490 6
Rp352,947.00 Rp9,176,457.00 823,543 7
Rp247,062.90 Rp9,423,519.90 576,480 8
Rp76,480.10 Rp9,500,000.00 500,000 9
Rp0.00 Rp9,500,000.00 500,000 10
BESAR PENYUSUTAN AKUMULASI PENYUSUTAN NILAI AKHIR
Rp2,590,000 Rp2,590,000 7,410,000
Rp1,919,190 Rp5,180,000 4,820,000
Rp1,422,120 Rp7,099,190 2,900,810
Rp1,053,791 Rp8,521,310 1,478,690
Rp780,859 Rp9,575,101 424,899
Rp578,616 Rp10,355,960 (355,960)
Rp428,755 Rp10,934,576 (934,576)
Rp317,707 Rp11,363,331 (1,363,331)
Rp235,421 Rp11,681,038 (1,681,038)
Rp174,447 Rp11,916,459 (1,916,459)