TIME VALUE OF MONEY >>> NILAI WAKTU THD UANG

HD UANG
 P=Present (PValue)
F=Future (FValue)
A=Annuity-Angsuran-Konstan
G=Gradien - Naik lurus
n=waktu-period
r=rate % per year... % per annum…% p.a.

Hitunglah P, (present worth) Hitunglah F, (compound amount)

Jika diketahui F Jika diketahui P
Kode (P/F, r%, n) Kode (F/P, r%, n)
Rumus: 1 Rumus:
P = F.[ --------- ] F = P.[(1+r)n ]
(1+r)n

Hitunglah A, (capital recovery) Hitunglah P, (present worth)

Jika diketahui P Jika diketahui A
Kode (A/P, r%, n) Kode (P/A, r%, n)
Rumus: r.(1+r)n Rumus: (1+r)n – 1
A = P.[------------ ] P = A.[------------ ]
(1+r)n – 1 r.(1+r)n

Hitunglah F, (compound amount) Hitunglah A, (sinking fund)

Jika diketahui A Jika diketahui F
Kode (F/A, r%, n) Kode (A/F, r%, n)
Rumus: (1+r)n – 1 Rumus: r
F = A.[------------] A = F.[------------]
r (1+r)n – 1

Hitunglah P, (present worth, linear gradient) Hitunglah G,

Jika diketahui G Jika diketahui P
Kode (P/G, r%, n) Kode (G/P, r%, n)
n
Rumus: (1+r) – r.n – 1 Rumus: r2.(1+r)n
P = G.[-------------------- ] G = P.[-------------------- ]
r2.(1+r)n (1+r)n – r.n – 1

rate, r = 11% per year

PRESENT (P)
 n= 0 1 2 3
Count and fill in the
answers in the
YELLOW cells P=
Find F >>> if known P
1000

Meaning: Rp 1000 Present (P) is equivalent with Rp….. ..i

1685.1

0 1 2 3
P=
Find P >>> if known F
=5000*(1/(1+11%)^8) 2169.63248149

Meaning: Rp.5000 (f8) is equivaent with 2332.53 sekaran

0 1 2 3

Find A >>> if known P

P= A= A= A=

1000 192.92 192.923 192.923

=1000*(10%*(1+10%)^7)/((1+10%)^7-1)

Meaning: uang Rp.1000 di present p th:0 equivalent (setara) dengan anggaran kosntan = 192,9 s

0 1 2 3

Find P >>> if known A

 Find P >>> if known A
P= A= A= A=
Hitunglah P, ***
Jika diketahui A
=200*((1+11%)^7-1)/(10%*((1+11%)^7) 200 200 200
Kode (P/A, r%, n)
Rumus: (1+r)n – 1
Hitunglah P, P = A.[------------ ] *** 1036.683178218 F1 F2 F3
n
Jika diketahui F r.(1+r)
Kode (P/F, r%, n) Hitunglah P, Hitunglah P, *** ***
Rumus: 1 Jika diketahui F Jika diketahui F
P = F.[ --------- ] Kode (P/F, r%, n) Kode (P/F, r%, n)
(1+r)n Rumus: Rumus:
1 1
P= F1
P *= F.[ --------- ] +P F2 * --------- ]
= F.[
(1+r)n (1+r)n
=200/(1+11%)^1

180.18018018018 P= =200/(1+11%)^1+200/(1+11%)^2+200/(1+11%)^

942.4393

Meaning: pembayaran konstan (A=angsuran) = Rp.200 sebanyak 7 tahun =equivalent (setara) Rp

Hitunglah A, (sinking fund) 0 1 2 3

Jika diketahui F
Kode (A/F, r%, n) Find A >>> if known
Rumus: r
A= A= A=
A = F.[------------]
(1+r)n – 1 421.61 421.605 437.2201

HOMEWORK: please re-calculate with r=1% + (1Digit_Last_NIM)%

2 pcs FILE: MS Excel dan MS Word --> Submit to GC

Name_File: NIM_Name --> 17511027_Sugeng Wahyu

Hitunglah F, (compound amount)

Jika diketahui A Meaning: uang Rp 5000 di future F8= equivalent (setara) deng
Kode (F/A, r%, n)
Rumus: (1+r)n – 1
0 1 2 3
F = A.[------------]
r
Find F >>> if known A
 Find F >>> if known A
=50*((1+11%)^8-1)/10%
A= A= A=
50 50 50

Meaning: A=50 pembayaran konstan sebnayak 6x atau 8x = eq

Hitunglah P, (present worth, linear gradient)
Jika diketahui G
0 1 2 3
Kode (P/G, r%, n)
Rumus: (1+r)n – r.n – 1
P= Find P >>> if known G
P = G.[-------------------- ]
r2.(1+r)n 365.6147422891 0 30 30
30
=30*((1+11%)^7-11%*7-1)/(11%^2(1+11%)^7)

Hitunglah P, *** F1 F2 F3
Jika diketahui F 0 30 60
Kode (P/F, r%, n)
Rumus: 1
P = F.[ --------- ]
(1+r)n =0/(1+11%)^1+30/(1+11%)^2+60/(1+11%)^3+90/(1+1
365.6147

Meaning: G_ gradien selama 7 tahun (mulai dari tahun ke dua )

Hitunglah F, (compound amount)

0 1 2 3
Jika diketahui P Hitunglah P, (present worth, linear gradient)
Kode (F/P, r%, n) Jika diketahui G Find F >>> if known G
Kode (P/G, r%, n)
Rumus:
Rumus: (1+r)n – r.n – 1
F = P.[(1+r)n ] 0 30 30
P = G.[-------------------- ]
r2.(1+r)n 30

Step I
 P= 365.6147422891
'=30*((1+11%)^7-11%*7-1)/(11%^2(1+11%)^7)
Step II
F= =382.89*((1+11%)^7)
759.074759253
Find F >>> if known G
There are 2 steps:
I: Find P >>> if known G
II: Find F >>> if known P

Meaning: G-gradien selama 7 tahun (mulai dara 2 tahun)G=30 e

0 1 2 3

Hitunglah P, *** Find P >>> If a cashflow is not constant -

Jika diketahui F
Kode (P/F, r%, n) P= 200 220 190
Rumus: 1 Hitunglah P, Hitunglah P, *** ***
P = F.[ --------- ] Jika diketahui F1
835.5030222656 F JikaF2
diketahui FF3
(1+r)n Kode (P/F, r%, n) Kode (P/F, r%, n)
Rumus: Rumus:
1 1
P= PF1= *F.[ --------- ] P +=F2
F.[* --------- ]
(1+r)n (1+r)n

=200/(1+11%)^1+220/(1+11%)^2+190/(1+11%)^3+0/

Meaning: Rangkaian pembayaran tidak konstan th 1-6 = equiva

Sesudah pension Alibaba mendirikan pabrik batako, dengan mesin batako yang bisa mencapai umur = 12 + 1_Digit tah
(Rp 525 juta + 1_Digit) pada tahun pertama, dan meningkat scr gradien (Rp 45 juta + 2_Digit) per tahun. Bila se
a. Nilai sekarang dari semua biaya tersebut.
b. Nilai semua biaya tersebut pada tahun ke 12 + 1_Digit
Example-1
c. Nilai deret seragam dari semua biaya tersebut
P= 50000000/(1+11%)^5 selama 12 + 1_Digit tahun.
=50.000*(1/(1+11%)^5)
29,672,566 29.672566

Example-2
F= 25000000*(1+11%)^7
51,904,004

Example-3
A= 25000000*(0.1%*(1+11%)^6)/((1+11%)^6-1)
53,722

Example-4
P= 5000000*((1+11%)^8-1)/(1%*(1+11%)^8)
283,036,752
Example-5
F= 2000000*((1+11%)^5-1)/(11%)
12,455,603 49750748.3

Example-6
A= 12000000*(11%)/((1+11%)^2-1)
5,687,204

Example-7
P= 4000000*((1+11%)^3-11%*3-1)/(11%*11%*(1+11%)^3)
9,096,021

P= =0/(1+11%)^1+4000000/(1+11%)^2+8000000/(1+11%)^3
9,096,021
)

th)

–1
--- ]
)n

---]
–1

------ ]
n–1

FUTURE (F)
 Hitunglah F, (compound amount)
Jika diketahui P
4 5 6 7 Kode8 (F/P, r%, n)
Rumus:
F5 =5 '=1000*(1+10%)^5 F = P.[(1+r)n ]
P

1685.06

uivalent with Rp….. ..in the next 5 years (F 5)

4 5 6 7 8
glah P, *** F8 = 8
> if known F
Jika diketahui F
Kode (P/F, r%, n) 5000
Rumus: 1
P = F.[ --------- ]
(1+r)n

with 2332.53 sekarang (p) th-0

4 5 6 7 8
Hitunglah P,
nd A >>> if known P Hitunglah A, Jika diketahui F
n=7diketahui P
Jika Kode (P/F, r%, n)
A= A= A= KodeA= (A/P, r%, n) Rumus: 1
Rumus: r.(1+r)n P = F.[ --------
192.92 192.923 192.92 192.92 A = P.[------------
n
] (1+r)
(1+r) – 1

%)^7)/((1+10%)^7-1)

aran kosntan = 192,9 sebanyak 7x atau 7th

4 5 6 7 8

nd P >>> if known A
nd P >>> if known A
A= A= A= A=

200 200 200 200

F4 F5 F6 F7

***Hitunglah P, Hitunglah P, *** ***

hui F Jika diketahui F Jika diketahui F
, r%, n) Kode (P/F, r%, n) Kode (P/F, r%, n)
1 Rumus: Rumus:
1 1
P = F.[ --------- ] ….. +PF6
= *F.[ --------- ] +F7
P = F.[ --------- ]
(1+r)n (1+r)n (1+r)n

(1+11%)^2+200/(1+11%)^3+200/(1+11%)^4+200/(1+11%)^5+200/(1+11%)^6+200/(1+11%)^7

=equivalent (setara) Rp.942.439 di present P sekarang

4 5 6 7 8

Find A >>> if known F

A= A= A= A= A=
437.22 437.22 437.22 437.22 421.60527105 =5000*(11%)/((1+11%)^8-1)
F8 = 421.6052710525
5000

quivalent (setara) dengan A=421.6 sebanyak 8 kali ataua 8 tahun Hitunglah A,

Jika diketahui P
Kode (A/P, r%, n)
4 5 6 7 8 Rumus: r.(1+r)
A = P.[----------
Find F >>> if known A (1+r)n –
 Find F >>> if known A

A= A= A= A= A=
50 50 50 50 50
F8 =
652.26888486

bnayak 6x atau 8x = equivalent (setara) dengan Rp.652.26 di future F8

4 5 6 7

nd P >>> if known G

30 30 30 30 Hitunglah P,
Jika diketahui F
30 30 30 30 Kode (P/F, r%, n)
30 30 30 30 Rumus: 1
P = F.[ --------
30 30 30 (1+r)
30 30
30

F4 F5 F6 F7
90 120 150 180

%)^2+60/(1+11%)^3+90/(1+11%)^4+120/(1+11%)^5+150/(1+11%)^6+180/(1+11%)^7

Hitunglah A,
Jika diketahui P
Kode (A/P, r%, n)
Rumus: r.(1+r)
A = P.[----------
ulai dari tahun ke dua ) G = 30 equivalent setara dengan (present p = 365.614) (1+r)n –

4 5 6 7 8
F >>> if known G F7=

30 30 30 30
30 30 30 30
30 30 30 30
30 30 30
 30 30
1+11%)^7) 30

Hitunglah P,
Jika diketahui F
G Kode (P/F, r%, n)
steps: Rumus: 1
Hitunglah A, P = F.[ --------
>> if known G Jika diketahui P (1+r)
>> if known P Kode (A/P, r%, n)
Rumus: r.(1+r)
ulai dara 2 tahun)G=30 equivalent (setara) denga present P= 382.89 (th 0) dan equivalent dengan F = A = P.[----------
759.07
(1+r)n –

4 5 6 7 8

ashflow is not constant - irregular (non-A)

0 290 310
Hitunglah P, *** Hitunglah P, *** Hitunglah P, *** ***
ui F Jika F4
diketahui FF5 Jika F6 diketahui F Jika diketahui F
%, n) Kode (P/F, r%, n) Kode (P/F, r%, n) Kode (P/F, r%, n)
Rumus:
1 Rumus:
1 Rumus:
1 1
P = F.[ --------- ] P+ =F3F.[
* --------- ] + F4
P * --------- ]
= F.[ +F5
P = F.[ --------- ]
(1+r)n (1+r)n (1+r)n (1+r)n

+11%)^2+190/(1+11%)^3+0/(1+11%)^4+290/(1+11%)^5+310/(1+11%)^6

konstan th 1-6 = equivalent (setara ) dengan 835.50

apai umur = 12 + 1_Digit tahun. Biaya operasi dan perawatan pabrik sebesar
+ 2_Digit) per tahun. Bila semua biaya di atas berasal dari pinjaman Bank dengan bunga pinjaman sebesar 10% +(1_Digit)/4 per tahun
Hitunglah A,
Jika diketahui P
Kode (A/P, r%, n)
Rumus: r.(1+r)n
A = P.[------------ ]
(1+r)n – 1
 Hitunglah A,
Jika diketahui P
Kode (A/P, r%, n)
Rumus: r.(1+r)n
Hitunglah P, A = P.[------------ ] ***
Jika diketahui A (1+r)n – 1
Kode (P/A, r%, n) Hitunglah P, (present worth) Hitung
Rumus: (1+r)n – 1 Jika diketahui F J
Hitunglah F, (compound amount) ]
P = A.[------------
Jika diketahui A
Kode (P/F, r%, n) K
r.(1+r)n
Kode (F/A, r%, n) Rumus: 1 R
Hitunglah A, (sinking fund)
Rumus: (1+r)n – 1 P = F.[ --------- ]
Jika diketahui F =FA.[------------] (1+r)n
r
Kode (A/F, r%, n)
Rumus: r Hitunglah A, (capital recovery) H
Hitunglah P, (present worth, linear gradient)
A = F.[------------] Jika diketahui P J
Jika diketahui G (1+r) – 1n
Kode (A/P, r%, n) K
Kode (P/G, r%, n) Rumus: r.(1+r)n R
n
Rumus: (1+r) – r.n – 1 A = P.[------------ ]
P = G.[-------------------- ] (1+r)n – 1
2 n
r .(1+r)
Hitunglah F, (compound amount) Hitung
Jika diketahui A J
Kode (F/A, r%, n) K
Rumus: (1+r)n – 1 R
F = A.[------------]
r

Hitunglah P, (present worth, linear gradient) Hitung

Jika diketahui G J
Kode (P/G, r%, n) K
n
Hitunglah F, (compound amount) Rumus: (1+r) – r.n – 1 R
h P, Jika diketahui
*** P P = G.[-------------------- ]
ka diketahui F Kode (F/P, r%, n) r2.(1+r)n
ode (P/F, r%, n) Rumus:
umus: 1
Hitunglah P, F = P.[(1+r)n ] ***
P = F.[ --------- ]
Jika diketahui
(1+r) n A
Kode (P/A, r%, n)
Rumus: (1+r)n – 1
P = A.[------------ ]
r.(1+r)n
ah F, (compound amount)
ka diketahui A
ode (F/A, r%, n)
umus: (1+r)n – 1
F = A.[------------]
r

Hitunglah F, (compound amount)

Jika diketahui P
Kode (F/P, r%, n)
Rumus:
F = P.[(1+r)n ]

lah A, Hitunglah P, ***

Jika diketahui P Jika diketahui A
Kode (A/P, r%, n) Kode (P/A, r%, n)
n
Rumus: r.(1+r)
Rumus: (1+r)n – 1
A = P.[------------ ] P = A.[------------ ]
(1+r)n – 1 r.(1+r)n
 Kode (P/A, r%, n)
Rumus:
h A, (sinking fund) (1+r)n – 1
P = A.[------------ ]
ka diketahui F
r.(1+r)n
ode (A/F, r%, n)
umus: r
A = F.[------------]
(1+r)n – 1
glah P, (present worth, linear gradient)
Jika diketahui G
Kode (P/G, r%, n)
Rumus: (1+r)n – r.n – 1
P = G.[-------------------- ]
r2.(1+r)n
Hitunglah F, (compound amount)
ah P, Jika diketahui*** P
ka diketahui F Kode (F/P, r%, n)
ode (P/F, r%, n) Rumus:
umus: 1
P = F.[ --------- ]
F = P.[(1+r)n ]
(1+r)n

lah A, Hitunglah P, ***

Jika diketahui P Jika diketahui A
Kode (A/P, r%, n) Kode (P/A, r%, n)
n
Rumus: r.(1+r)
Rumus: (1+r)n – 1
A = P.[------------ ] P = A.[------------ ]
(1+r)n – 1 r.(1+r)n

Hitunglah A, (sinking fund)

ah F, (compound amount)
Jika diketahui F
ka diketahui A
ode (F/A, r%, n) Kode (A/F, r%, n)
umus: Rumus:
(1+r) n
–1 r
F = A.[------------] A = F.[------------]
r (1+r)n – 1
ah P, ***
ka diketahui F
ode (P/F, r%, n)
umus: 1
lah A, P =Hitunglah P,]
F.[ --------- ***
Jika diketahui P Jika diketahui
(1+r) n A
Kode (A/P, r%, n) Kode (P/A, r%, n)
n
Rumus: r.(1+r)
Rumus: (1+r)n – 1
dengan F = A = P.[------------ ]
759.07 P = A.[------------ ]
(1+r)n – 1 r.(1+r)n
Hitunglah A, (sinking fund)
ah F, (compound amount)
Jika diketahui F
ka diketahui A
ode (F/A, r%, n) Kode (A/F, r%, n)
umus: Rumus:
(1+r) n
–1 r
F = A.[------------]
glah P, (present worth, A = F.[------------]
r linear gradient) (1+r)n – 1
Jika diketahui G
Kode (P/G, r%, n)
Rumus: (1+r)n – r.n – 1
P = G.[-------------------- ]
r2.(1+r)n

0% +(1_Digit)/4 per tahun, hitunglah:

th) Hitunglah F, (compound amount)
Jika diketahui P
Kode (F/P, r%, n)
1 Rumus:
------- ] F = P.[(1+r)n ]
(1+r)n

very) Hitunglah P, (present worth)

Jika diketahui A
Kode (P/A, r%, n)
r.(1+r)n Rumus: (1+r)n – 1
---------- ] P = A.[------------ ]
1+r)n – 1 r.(1+r)n

mount) Hitunglah A, (sinking fund)

Jika diketahui F
Kode (A/F, r%, n)
+r)n – 1 Rumus: r
----------] A = F.[------------]
r (1+r)n – 1

th, linear gradient) Hitunglah G,

Jika diketahui P
Kode (G/P, r%, n)
n
r) – r.n – 1 Rumus: r2.(1+r)n
--------------- ] G = P.[-------------------- ]
2 n
r .(1+r) (1+r)n – r.n – 1