92 Lampiran 1: Neraca Usaha klien
Aset Jumlah ( Rp.) Hutang & Nilai Usaha Bersih Jumlah ( Rp. )
Aset Lancar Hutang Jangka Pendek
Kas di tangan Rp 8,000,000 Hutang pada Supplier Rp 275,000,000.00
Persediaan Rp 300,000,000
Piutang Dagang Rp 500,000,000
Sewa dibayar di muka Rp 25,000,000
Total Aset Lancar Rp 833,000,000 Total Hutang Jangka Pendek Rp 275,000,000.00
Aset Tetap Hutang Jangka Panjang
Mobil Kuda tahun 1999 Rp 92,000,000 Hutang pada Pihak Ketiga Rp 200,000,000.00
Mobil Daihatsu Pick Up Rp 25,000,000
Mesin & Peralatan Rp 3,000,000
Total Aset tetap Rp 120,000,000 Total Hutang Jangka Panjang Rp 200,000,000.00
Total Nilai Usaha Bersih Rp 478,000,000.00
Total Aset Rp 953,000,000 Total Hutang & Nilai Usaha Bersih Rp 953,000,000.00
93
Lampiran 2: Suku Bunga Tabungan dan Deposito BCA
94
Lampiran 3: Data Inflasi Indonesia
95
Lampiran 4: Profil Investasi Klien
96
Lampiran 5: 10 Bank Terbaik Menurut Bank Indonesia
97
Lampiran 6: Manajer Investasi Terbaik
98
Lampiran 7: Reksadana Pendapatan Tetap Terbaik
99
Lampiran 8: Reksadana Campuran Terbaik
100
Lampiran 9: Reksadana Saham Terbaik
101
Lampiran 10: Reksadana Pasar Uang Terbaik
102 Lampiran 11: Pilihan Produk Perbankan
TABUNGAN
Nama Bank Bank Terbaik Pelayanan Jaringan Bunga Keinginan Klien Keterangan
Bank Mandiri √ √ √ √
CIMB Niaga √
Bank Central Asia √ √ √ √ √ DIPILIH
Bank Danamon √ √ √ √
Bank Rakyat Indonesia √
DEPOSITO
Nama Bank Bank Terbaik Pelayanan Jaringan Bunga Keinginan Klien Keterangan
Bank Mandiri √ √ √ √
CIMB Niaga √
Bank Central Asia √ √ √ √ √ DIPILIH
Bank Danamon √ √ √
Bank Rakyat Indonesia √
103 Lampiran 12: Pilihan Produk Reksadana
RDPU
Nama Reksadana
Peringkat Manajer
Investasi Prosentase Return Peringkat
Pertama Keterangan
Danamas rupiah √ √ √ DIPILIH
Optima Likuid √
TRIM Kas 2 √ √
Reksadana Mega Dana Kas √
Riau Likuid Fund √ √
RDPT
Nama Reksadana
Peringkat Manajer Investasi
Peringkat Berdasarkan Return
CV
Terendah Keterangan
Schroder Dana Andalan √
Reksa Dana CIMB Income Fund √ √
Reksa Dana Pendapatan Tetap Utama
Reksa Dana Si Dana Obligasi Maxima √ √
Schroder Dana Mantap Plus √
Nikko Cemerlang Nusantara √
Danamas Stabil √ √ √ DIPILIH
Reksadana Ekofix √ √ DIPILIH
Riau Income Fund √ √ √ DIPILIH
Reksadana Prospera Obligasi √
104
Lampiran 12: Pilihan Produk Reksadana (Lanjutan)
RDS
Nama Reksadana
Peringkat Manajer Investasi
Peringkat Berdasarkan Return
CV
Terendah Keterangan
Danareksa Mawar √
Mahanusa Dana Ekuitas √ √ √ DIPILIH
TRIM Kapirtal √ √
Schroder dana Prestasi Plus √ √ √ DIPILIH
Reksa Dana Schroder Dana Istimewa √ √ √ DIPILIH
Panin Dana Maksima √ √
Fortis Ekuitas √ √
Reksa Dana Dana Ekuitas Prima √
Phinisi Dana Saham √
Manulife Dana Saham √ √
RDC
Nama Reksadana
Peringkat Manajer Investasi
Peringkat Berdasarkan Return
CV
Terendah Keterangan
Mahanusa Dana Kapital √ √ √ DIPILIH
Reksa Dana Fortis Equitra √ √ √ DIPILIH
Manulife Dana Campuran √
CIMB Principle Blance Growth √
Semesta Dana Maxima √
Reksa Dana Schroder Dana Kombinasi √ √ √ DIPILIH
Si Dana Dinamis √
Prospera Balance
Bahana Dana Selaras √ √
Fortis Spektra √
105
Lampiran 13: Perhitungan Coefficient of Variation Reksadana
RDPT Return Standart Deviasi CV
Schroder Dana Andalan 8.10% 4.24% 0.52
Reksa Dana CIMB Income Fund 0.36% 1.31% 3.67
Reksa Dana Pendapatan Tetap Utama 28.64% 25.13% 0.88 Reksa Dana Si Dana Obligasi Maxima 23.18% 28.59% 1.23
Schroder Dana Mantap Plus 7.99% 10.37% 1.30
Nikko Cemerlang Nusantara 7.89% 11.55% 1.46
Danamas Stabil 11.00% 0.74% 0.07
Reksadana Ekofix 11.73% 2.05% 0.17
Riau Income Fund 7.75% 0.96% 0.12
Reksadana Prospera Obligasi 12.94% 12.84% 0.99
RDS Return Standart Deviasi CV
Danareksa Mawar 16.72% 44.35% 2.65
Mahanusa Dana Ekuitas 26.09% 38.09% 1.46
TRIM Kapirtal 17.72% 47.09% 2.66
Schroder Dana Prestasi Plus 66.56% 127.89% 1.92 Reksa Dana Schroder Dana Istimewa 21.71% 39.78% 1.83
Panin Dana Maksima 15.28% 28.77% 1.88
Fortis Ekuitas 26.70% 54.11% 2.03
Reksa Dana Dana Ekuitas Prima 21.12% 48.56% 2.30
Phinisi Dana Saham 18.07% 42.83% 2.37
Manulife Dana Saham 18.38% 42.92% 2.33
RDC Return Standart Deviasi CV
Mahanusa Dana Kapital 23.12% 12.73% 0.55
Reksa Dana Fortis Equitra 26.81% 18.27% 0.68
Manulife Dana Campuran 12.08% 27.57% 2.28
CIMB Principle Blance Growth 11.69% 40.63% 3.47
Semesta Dana Maxima 28.09% 30.56% 1.09
Reksa Dana Schroder Dana Kombinasi 13.20% 14.03% 1.06
Si Dana Dinamis 10.02% 32.79% 3.27
Prospera Balance 18.81% 47.92% 2.55
Bahana Dana Selaras 11.31% 27.12% 2.40
Fortis Spektra 6.38% 20.51% 3.21
106 Lampiran 14: Tabel Coefficient of Correlation
RDPT RDS RDC
DS RE RIF MDE SDI PDM MDK FE SDK
RDP T
DS 1 0.5900 0.8471 0.7037 0.7702 0.7131 0.4218 0.7454 0.7489 RE 0.5900 1 0.8298 0.5650 0.5929 0.5314 0.6395 0.4994 0.5340 RIF 0.8471 0.8298 1 0.8526 0.8758 0.7203 0.7237 0.7934 0.8050RDS
MDE 0.7037 0.5650 0.8526 1 0.9867 0.8811 0.8123 0.9573 0.9630 SDI 0.7702 0.5929 0.8758 0.9867 1 0.9001 0.7652 0.9758 0.9750 PDM 0.7131 0.5314 0.7203 0.8811 0.9001 1 0.6530 0.9311 0.9433
RDC
MDK 0.4218 0.6395 0.7237 0.8123 0.7652 0.6530 1 0.7010 0.7554 FE 0.7454 0.4994 0.7934 0.9573 0.9758 0.9311 0.7010 1 0.9742 SDK 0.7489 0.5340 0.8050 0.9630 0.9750 0.9433 0.7554 0.9742 1
107
Lampiran 15: Kenaikan Biaya Kuliah Universitas Kristen Petra
Uang Masuk % Uang Bangku Uang per SKS Total %
2005 Rp12,500,000.00 Rp3,000,000.00 Rp125,000.00 Rp6,000,000.00 2006 Rp13,000,000.00 4.00% Rp3,250,000.00 Rp135,000.00 Rp6,490,000.00 8.17%
2007 Rp13,250,000.00 1.92% Rp3,425,000.00 Rp150,000.00 Rp7,025,000.00 8.24%
2008 Rp13,500,000.00 1.89% Rp3,600,000.00 Rp165,000.00 Rp7,560,000.00 7.62%
2009 Rp14,000,000.00 3.70% Rp3,675,000.00 Rp180,000.00 Rp7,995,000.00 5.75%
Rata – Rata 2.88% 7.44%
108
Lampiran 16 : Kebutuhan Dana Pendidikan Jangka Pendek
Yang dibutuhkan Rp 5,589,069
Waktu menabung 6 bulan
Waktu penarikan 12 bulan
Return Investasi 4.24%
Return per bulan 0.35%
Uang sekolah Rp 485,000.00
Jenjang Bulan Simpanan Bunga Saldo sblm penarikan Penarikan Saldo stlh penarikan
1 SMA 0
1 Rp 5,589,069 Rp 5,589,068.68 Rp - Rp 5,589,068.68 2 Rp 19,748.04 Rp 5,608,816.72 Rp - Rp 5,608,816.72 3 Rp 19,817.82 Rp 5,628,634.54 Rp - Rp 5,628,634.54 4 Rp 19,887.84 Rp 5,648,522.38 Rp - Rp 5,648,522.38 5 Rp 19,958.11 Rp 5,668,480.50 Rp - Rp 5,668,480.50 6 Rp 20,028.63 Rp 5,688,509.13 Rp - Rp 5,688,509.13 2 SMA 7 Rp 20,099.40 Rp 5,708,608.53 Rp 485,000.00 Rp 5,223,608.53 8 Rp 18,456.75 Rp 5,242,065.28 Rp 485,000.00 Rp 4,757,065.28 9 Rp 16,808.30 Rp 4,773,873.57 Rp 485,000.00 Rp 4,288,873.57 10 Rp 15,154.02 Rp 4,304,027.59 Rp 485,000.00 Rp 3,819,027.59 11 Rp 13,493.90 Rp 3,832,521.49 Rp 485,000.00 Rp 3,347,521.49 12 Rp 11,827.91 Rp 3,359,349.40 Rp 485,000.00 Rp 2,874,349.40 13 Rp 10,156.03 Rp 2,884,505.44 Rp 485,000.00 Rp 2,399,505.44 14 Rp 8,478.25 Rp 2,407,983.69 Rp 485,000.00 Rp 1,922,983.69 15 Rp 6,794.54 Rp 1,929,778.23 Rp 485,000.00 Rp 1,444,778.23 16 Rp 5,104.88 Rp 1,449,883.11 Rp 485,000.00 Rp 964,883.11 17 Rp 3,409.25 Rp 968,292.37 Rp 485,000.00 Rp 483,292.37 18 Rp 1,707.63 Rp 485,000.00 Rp 485,000.00 Rp 0.00
109
Lampiran 17: Kebutuhan Dana Pendidikan Jangka Menengah
Yang dibutuhkan Rp 85,449,650
Waktu menabung 18 bulan
Waktu penarikan 48 bulan Return Investasi 12.45%
Return per bulan 1.04%
Jenjang Bulan Simpanan Bunga Saldo sblm penarikan Penarikan Saldo stlh penarikan
1 SMA 0
1 Rp 85,449,650 Rp 85,449,650.07 Rp - Rp 85,449,650.07 2 Rp 886,844.47 Rp 86,336,494.55 Rp - Rp 86,336,494.55 3 Rp 305,055.61 Rp 86,641,550.16 Rp - Rp 86,641,550.16 4 Rp 306,133.48 Rp 86,947,683.64 Rp - Rp 86,947,683.64 5 Rp 307,215.15 Rp 87,254,898.79 Rp - Rp 87,254,898.79 6 Rp 308,300.64 Rp 87,563,199.43 Rp - Rp 87,563,199.43 2 SMA 7 Rp 309,389.97 Rp 87,872,589.40 Rp - Rp 87,872,589.40 8 Rp 310,483.15 Rp 88,183,072.55 Rp - Rp 88,183,072.55 9 Rp 311,580.19 Rp 88,494,652.74 Rp - Rp 88,494,652.74 10 Rp 312,681.11 Rp 88,807,333.84 Rp - Rp 88,807,333.84 11 Rp 313,785.91 Rp 89,121,119.76 Rp - Rp 89,121,119.76 12 Rp 314,894.62 Rp 89,436,014.38 Rp - Rp 89,436,014.38 13 Rp 316,007.25 Rp 89,752,021.63 Rp - Rp 89,752,021.63 14 Rp 317,123.81 Rp 90,069,145.44 Rp - Rp 90,069,145.44 15 Rp 318,244.31 Rp 90,387,389.75 Rp - Rp 90,387,389.75 16 Rp 319,368.78 Rp 90,706,758.53 Rp - Rp 90,706,758.53 17 Rp 320,497.21 Rp 91,027,255.75 Rp - Rp 91,027,255.75 18 Rp 321,629.64 Rp 91,348,885.38 Rp - Rp 91,348,885.38 3 SMA 19 Rp 322,766.06 Rp 91,671,651.44 Rp 485,000.00 Rp 91,186,651.44 20 Rp 322,192.84 Rp 91,508,844.28 Rp 485,000.00 Rp 91,023,844.28 21 Rp 321,617.58 Rp 91,345,461.86 Rp 485,000.00 Rp 90,860,461.86 22 Rp 321,040.30 Rp 91,181,502.16 Rp 485,000.00 Rp 90,696,502.16 23 Rp 320,460.97 Rp 91,016,963.14 Rp 485,000.00 Rp 90,531,963.14 24 Rp 319,879.60 Rp 90,851,842.74 Rp 485,000.00 Rp 90,366,842.74 25 Rp 319,296.18 Rp 90,686,138.92 Rp 485,000.00 Rp 90,201,138.92 26 Rp 318,710.69 Rp 90,519,849.61 Rp 485,000.00 Rp 90,034,849.61 27 Rp 318,123.14 Rp 90,352,972.74 Rp 485,000.00 Rp 89,867,972.74 28 Rp 317,533.50 Rp 90,185,506.25 Rp 485,000.00 Rp 89,700,506.25 29 Rp 316,941.79 Rp 90,017,448.03 Rp 485,000.00 Rp 89,532,448.03 30 Rp 316,347.98 Rp 89,848,796.02 Rp 485,000.00 Rp 89,363,796.02
110
Lampiran 17: Kebutuhan Dana Pendidikan Jangka Menengah (Lanjutan)
Sem 1 31 Rp 315,752.08 Rp 89,679,548.10 Rp 25,398,326.74 Rp 64,281,221.36
32 Rp 227,126.98 Rp 64,508,348.34 Rp 64,508,348.34
33 Rp 227,929.50 Rp 64,736,277.84 Rp 64,736,277.84
34 Rp 228,734.85 Rp 64,965,012.68 Rp 64,965,012.68
35 Rp 229,543.04 Rp 65,194,555.73 Rp 65,194,555.73
36 Rp 230,354.10 Rp 65,424,909.83 Rp 65,424,909.83
Sem 2 37 Rp 231,168.01 Rp 65,656,077.84 Rp 9,985,283.75 Rp 55,670,794.09
38 Rp 196,703.47 Rp 55,867,497.57 Rp 55,867,497.57
39 Rp 197,398.49 Rp 56,064,896.06 Rp 56,064,896.06
40 Rp 198,095.97 Rp 56,262,992.02 Rp 56,262,992.02
41 Rp 198,795.91 Rp 56,461,787.93 Rp 56,461,787.93
42 Rp 199,498.32 Rp 56,661,286.25 Rp 56,661,286.25
Sem 3 43 Rp 200,203.21 Rp 56,861,489.46 Rp 9,985,283.75 Rp 46,876,205.71
44 Rp 165,629.26 Rp 47,041,834.97 Rp 47,041,834.97
45 Rp 166,214.48 Rp 47,208,049.46 Rp 47,208,049.46
46 Rp 166,801.77 Rp 47,374,851.23 Rp 47,374,851.23
47 Rp 167,391.14 Rp 47,542,242.37 Rp 47,542,242.37
48 Rp 167,982.59 Rp 47,710,224.96 Rp 47,710,224.96
Sem 4 49 Rp 168,576.13 Rp 47,878,801.09 Rp 9,985,283.75 Rp 37,893,517.34
50 Rp 133,890.43 Rp 38,027,407.77 Rp 38,027,407.77
51 Rp 134,363.51 Rp 38,161,771.28 Rp 38,161,771.28
52 Rp 134,838.26 Rp 38,296,609.54 Rp 38,296,609.54
53 Rp 135,314.69 Rp 38,431,924.22 Rp 38,431,924.22
54 Rp 135,792.80 Rp 38,567,717.02 Rp 38,567,717.02
Sem 5 55 Rp 136,272.60 Rp 38,703,989.62 Rp 9,985,283.75 Rp 28,718,705.88
56 Rp 101,472.76 Rp 28,820,178.64 Rp 28,820,178.64
57 Rp 101,831.30 Rp 28,922,009.94 Rp 28,922,009.94
58 Rp 102,191.10 Rp 29,024,201.04 Rp 29,024,201.04
59 Rp 102,552.18 Rp 29,126,753.21 Rp 29,126,753.21
60 Rp 102,914.53 Rp 29,229,667.74 Rp 29,229,667.74
Sem 6 61 Rp 103,278.16 Rp 29,332,945.90 Rp 9,985,283.75 Rp 19,347,662.16
62 Rp 68,361.74 Rp 19,416,023.90 Rp 19,416,023.90
63 Rp 68,603.28 Rp 19,484,627.18 Rp 19,484,627.18
64 Rp 68,845.68 Rp 19,553,472.86 Rp 19,553,472.86
65 Rp 69,088.94 Rp 19,622,561.80 Rp 19,622,561.80
66 Rp 69,333.05 Rp 19,691,894.85 Rp 19,691,894.85
Sem 7 67 Rp 69,578.03 Rp 19,761,472.88 Rp 9,985,283.75 Rp 9,776,189.13
68 Rp 34,542.53 Rp 9,810,731.67 Rp 9,810,731.67
69 Rp 34,664.59 Rp 9,845,396.25 Rp 9,845,396.25
70 Rp 34,787.07 Rp 9,880,183.32 Rp 9,880,183.32
71 Rp 34,909.98 Rp 9,915,093.30 Rp 9,915,093.30
72 Rp 35,033.33 Rp 9,950,126.63 Rp 9,950,126.63
Sem 8 73 Rp 35,157.11 Rp 9,985,283.75 Rp 9,985,283.75 Rp (0.00)
111 Lampiran 18 : Kebutuhan Dana Pensiun
Biaya Hidup Saat Ini Rp 65,040,000.00
Inflasi 7.20%
Waktu Hingga Pensiun 14 tahun
Waktu Pensiun 18 tahun
Return Sebelum Pensiun 12.45%
Return Saat Pensiun 5.20%
Biaya Hidup Saat Pensiun Rp 172,150,198 Investasi dari Aset Rp 59,611,281 Investasi dari Cash Flow Rp 108,421,855 / tahun
Usia Tabungan Bunga Saldo Sebelum penarikan Penarikan Saldo Setelah Penarikan
51
52 Rp 59,611,281.25 Rp 59,611,281.25 Rp 59,611,281.25
52 Rp 108,421,855.16 Rp 20,927,307.48 Rp 188,960,443.88 Rp 188,960,443.88 53 Rp 108,421,855.16 Rp 23,533,651.72 Rp 191,566,788.13 Rp 191,566,788.13 54 Rp 108,421,855.16 Rp 23,858,252.98 Rp 323,846,896.27 Rp 323,846,896.27 55 Rp 108,421,855.16 Rp 40,332,780.30 Rp 472,601,531.73 Rp 472,601,531.73 56 Rp 108,421,855.16 Rp 58,859,090.41 Rp 639,882,477.30 Rp 639,882,477.30 57 Rp 108,421,855.16 Rp 79,692,717.98 Rp 827,997,050.44 Rp 827,997,050.44 58 Rp 108,421,855.16 Rp 103,121,022.64 Rp 1,039,539,928.25 Rp 1,039,539,928.25 59 Rp 108,421,855.16 Rp 129,467,152.59 Rp 1,277,428,936.00 Rp 1,277,428,936.00 60 Rp 108,421,855.16 Rp 159,094,501.80 Rp 1,544,945,292.96 Rp 1,544,945,292.96 61 Rp 108,421,855.16 Rp 192,411,722.30 Rp 1,845,778,870.42 Rp 1,845,778,870.42 62 Rp 108,421,855.16 Rp 229,878,360.78 Rp 2,184,079,086.36 Rp 2,184,079,086.36 63 Rp 108,421,855.16 Rp 272,011,197.13 Rp 2,564,512,138.65 Rp 2,564,512,138.65 64 Rp 108,421,855.16 Rp 319,391,372.43 Rp 2,992,325,366.25 Rp 2,992,325,366.25 65 Rp 108,421,855.16 Rp 372,672,404.66 Rp 3,473,419,626.07 Rp 3,473,419,626.07 66 Rp 180,617,820.56 Rp 3,654,037,446.62 Rp 172,150,198.41 Rp 3,481,887,248.21 67 Rp 181,058,136.91 Rp 3,662,945,385.12 Rp 184,545,012.69 Rp 3,478,400,372.43 68 Rp 180,876,819.37 Rp 3,659,277,191.79 Rp 197,832,253.61 Rp 3,461,444,938.18 69 Rp 179,995,136.79 Rp 3,641,440,074.97 Rp 212,076,175.87 Rp 3,429,363,899.10 70 Rp 178,326,922.75 Rp 3,607,690,821.86 Rp 227,345,660.53 Rp 3,380,345,161.32 71 Rp 175,777,948.39 Rp 3,556,123,109.71 Rp 243,714,548.09 Rp 3,312,408,561.62 72 Rp 172,245,245.20 Rp 3,484,653,806.83 Rp 261,261,995.55 Rp 3,223,391,811.28 73 Rp 167,616,374.19 Rp 3,391,008,185.46 Rp 280,072,859.23 Rp 3,110,935,326.23 74 Rp 161,768,636.96 Rp 3,272,703,963.20 Rp 300,238,105.10 Rp 2,972,465,858.10 75 Rp 154,568,224.62 Rp 3,127,034,082.72 Rp 321,855,248.66 Rp 2,805,178,834.06 76 Rp 145,869,299.37 Rp 2,951,048,133.43 Rp 345,028,826.57 Rp 2,606,019,306.86 77 Rp 135,513,003.96 Rp 2,741,532,310.82 Rp 369,870,902.08 Rp 2,371,661,408.74 78 Rp 123,326,393.25 Rp 2,494,987,802.00 Rp 396,501,607.03 Rp 2,098,486,194.97 79 Rp 109,121,282.14 Rp 2,207,607,477.10 Rp 425,049,722.74 Rp 1,782,557,754.37 80 Rp 92,693,003.23 Rp 1,875,250,757.60 Rp 455,653,302.77 Rp 1,419,597,454.8 81 Rp 73,819,067.65 Rp 1,493,416,522.48 Rp 488,460,340.57 Rp 1,004,956,181.9 82 Rp 52,257,721.46 Rp 1,057,213,903.36 Rp 523,629,485.09 Rp 533,584,418.3 83 Rp 27,746,389.75 Rp 561,330,808.02 Rp 561,330,808.02 Rp -
112 Lampiran 19 : Kebutuhan Dana Membeli Mobil
Harga Mobil Saat Ini Rp 195,400,000
Inflasi 6.50%
Jangka Waktu 5 Tahun
Harga Mobil 5 Tahun Lagi Rp 267,714,934
Return yang diharapkan 12.45%
Return Bulanan 1.04%
PMT Rp 3,205,050 / bulan
Bulan Simpanan Bunga Saldo sblm penarikan Penarikan Saldo stlh penarikan
0
1 Rp 3,205,049.74 Rp 3,205,049.74 Rp 3,205,049.74
2 Rp 3,205,049.74 Rp 33,263.81 Rp 6,443,363.28 Rp 6,443,363.28 3 Rp 3,205,049.74 Rp 66,872.84 Rp 9,715,285.86 Rp 9,715,285.86 4 Rp 3,205,049.74 Rp 100,830.69 Rp 13,021,166.30 Rp 13,021,166.30 5 Rp 3,205,049.74 Rp 135,140.98 Rp 16,361,357.01 Rp 16,361,357.01 6 Rp 3,205,049.74 Rp 169,807.35 Rp 19,736,214.11 Rp 19,736,214.11 7 Rp 3,205,049.74 Rp 204,833.52 Rp 23,146,097.36 Rp 23,146,097.36 8 Rp 3,205,049.74 Rp 240,223.20 Rp 26,591,370.30 Rp 26,591,370.30 9 Rp 3,205,049.74 Rp 275,980.18 Rp 30,072,400.22 Rp 30,072,400.22 10 Rp 3,205,049.74 Rp 312,108.26 Rp 33,589,558.22 Rp 33,589,558.22 11 Rp 3,205,049.74 Rp 348,611.31 Rp 37,143,219.27 Rp 37,143,219.27 12 Rp 3,205,049.74 Rp 385,493.20 Rp 40,733,762.20 Rp 40,733,762.20 13 Rp 3,205,049.74 Rp 422,757.87 Rp 44,361,569.81 Rp 44,361,569.81 14 Rp 3,205,049.74 Rp 460,409.29 Rp 48,027,028.84 Rp 48,027,028.84 15 Rp 3,205,049.74 Rp 498,451.49 Rp 51,730,530.06 Rp 51,730,530.06 16 Rp 3,205,049.74 Rp 536,888.50 Rp 55,472,468.31 Rp 55,472,468.31 17 Rp 3,205,049.74 Rp 575,724.44 Rp 59,253,242.48 Rp 59,253,242.48 18 Rp 3,205,049.74 Rp 614,963.44 Rp 63,073,255.66 Rp 63,073,255.66 19 Rp 3,205,049.74 Rp 654,609.68 Rp 66,932,915.08 Rp 66,932,915.08 20 Rp 3,205,049.74 Rp 694,667.40 Rp 70,832,632.21 Rp 70,832,632.21 21 Rp 3,205,049.74 Rp 735,140.85 Rp 74,772,822.80 Rp 74,772,822.80 22 Rp 3,205,049.74 Rp 776,034.36 Rp 78,753,906.90 Rp 78,753,906.90 23 Rp 3,205,049.74 Rp 817,352.29 Rp 82,776,308.93 Rp 82,776,308.93 24 Rp 3,205,049.74 Rp 859,099.04 Rp 86,840,457.70 Rp 86,840,457.70 25 Rp 3,205,049.74 Rp 901,279.06 Rp 90,946,786.50 Rp 90,946,786.50 26 Rp 3,205,049.74 Rp 943,896.84 Rp 95,095,733.08 Rp 95,095,733.08 27 Rp 3,205,049.74 Rp 986,956.94 Rp 99,287,739.76 Rp 99,287,739.76 28 Rp 3,205,049.74 Rp 1,030,463.94 Rp 103,523,253.44 Rp 103,523,253.44 29 Rp 3,205,049.74 Rp 1,074,422.48 Rp 107,802,725.66 Rp 107,802,725.66 30 Rp 3,205,049.74 Rp 1,118,837.25 Rp 112,126,612.65 Rp 112,126,612.65
113
Lampiran 19 : Kebutuhan Dana Membeli Mobil (Lanjutan)
31 Rp 3,205,049.74 Rp 1,163,712.98 Rp 116,495,375.37 Rp 116,495,375.37 32 Rp 3,205,049.74 Rp 1,209,054.45 Rp 120,909,479.56 Rp 120,909,479.56 33 Rp 3,205,049.74 Rp 1,254,866.51 Rp 125,369,395.80 Rp 125,369,395.80 34 Rp 3,205,049.74 Rp 1,301,154.02 Rp 129,875,599.56 Rp 129,875,599.56 35 Rp 3,205,049.74 Rp 1,347,921.94 Rp 134,428,571.23 Rp 134,428,571.23 36 Rp 3,205,049.74 Rp 1,395,175.23 Rp 139,028,796.20 Rp 139,028,796.20 37 Rp 3,205,049.74 Rp 1,442,918.95 Rp 143,676,764.89 Rp 143,676,764.89 38 Rp 3,205,049.74 Rp 1,491,158.18 Rp 148,372,972.82 Rp 148,372,972.82 39 Rp 3,205,049.74 Rp 1,539,898.07 Rp 153,117,920.62 Rp 153,117,920.62 40 Rp 3,205,049.74 Rp 1,589,143.80 Rp 157,912,114.16 Rp 157,912,114.16 41 Rp 3,205,049.74 Rp 1,638,900.63 Rp 162,756,064.53 Rp 162,756,064.53 42 Rp 3,205,049.74 Rp 1,689,173.87 Rp 167,650,288.14 Rp 167,650,288.14 43 Rp 3,205,049.74 Rp 1,739,968.88 Rp 172,595,306.76 Rp 172,595,306.76 44 Rp 3,205,049.74 Rp 1,791,291.06 Rp 177,591,647.55 Rp 177,591,647.55 45 Rp 3,205,049.74 Rp 1,843,145.89 Rp 182,639,843.18 Rp 182,639,843.18 46 Rp 3,205,049.74 Rp 1,895,538.90 Rp 187,740,431.81 Rp 187,740,431.81 47 Rp 3,205,049.74 Rp 1,948,475.67 Rp 192,893,957.23 Rp 192,893,957.23 48 Rp 3,205,049.74 Rp 2,001,961.85 Rp 198,100,968.82 Rp 198,100,968.82 49 Rp 3,205,049.74 Rp 2,056,003.15 Rp 203,362,021.70 Rp 203,362,021.70 50 Rp 3,205,049.74 Rp 2,110,605.31 Rp 208,677,676.75 Rp 208,677,676.75 51 Rp 3,205,049.74 Rp 2,165,774.16 Rp 214,048,500.65 Rp 214,048,500.65 52 Rp 3,205,049.74 Rp 2,221,515.59 Rp 219,475,065.98 Rp 219,475,065.98 53 Rp 3,205,049.74 Rp 2,277,835.53 Rp 224,957,951.25 Rp 224,957,951.25 54 Rp 3,205,049.74 Rp 2,334,740.00 Rp 230,497,740.99 Rp 230,497,740.99 55 Rp 3,205,049.74 Rp 2,392,235.05 Rp 236,095,025.78 Rp 236,095,025.78 56 Rp 3,205,049.74 Rp 2,450,326.81 Rp 241,750,402.33 Rp 241,750,402.33 57 Rp 3,205,049.74 Rp 2,509,021.49 Rp 247,464,473.56 Rp 247,464,473.56 58 Rp 3,205,049.74 Rp 2,568,325.33 Rp 253,237,848.62 Rp 253,237,848.62 59 Rp 3,205,049.74 Rp 2,628,244.66 Rp 259,071,143.02 Rp 259,071,143.02 60 Rp 3,205,049.74 Rp 2,688,785.87 Rp 264,964,978.63 Rp 264,964,978.63 61 Rp 2,749,955.40 Rp 267,714,934.03 Rp 267,714,934.03 Rp (0.0)
114 Lampiran 20: Kebutuhan Dana Liburan
Biaya Saat Ini Rp 17,500,000
Inflasi 6.50%
Jangka Waktu 2 Tahun
Biaya 2 Tahun Lagi $p19,848,938
Return yang diharapkan 4.10%
Return Bulanan 0.34%
PMT Rp 792,298 / bulan
Bulan Simpanan Bunga Saldo sblm penarikan Penarikan Saldo stlh penarikan
0
1 Rp 792,298.07 Rp 792,298.07 Rp 792,298.07
2 Rp 792,298.07 Rp 2,707.02 Rp 1,587,303.17 Rp 1,587,303.17 3 Rp 792,298.07 Rp 5,423.29 Rp 2,385,024.53 Rp 2,385,024.53 4 Rp 792,298.07 Rp 8,148.83 Rp 3,185,471.43 Rp 3,185,471.43 5 Rp 792,298.07 Rp 10,883.69 Rp 3,988,653.20 Rp 3,988,653.20 6 Rp 792,298.07 Rp 13,627.90 Rp 4,794,579.17 Rp 4,794,579.17 7 Rp 792,298.07 Rp 16,381.48 Rp 5,603,258.73 Rp 5,603,258.73 8 Rp 792,298.07 Rp 19,144.47 Rp 6,414,701.27 Rp 6,414,701.27 9 Rp 792,298.07 Rp 21,916.90 Rp 7,228,916.24 Rp 7,228,916.24 10 Rp 792,298.07 Rp 24,698.80 Rp 8,045,913.11 Rp 8,045,913.11 11 Rp 792,298.07 Rp 27,490.20 Rp 8,865,701.38 Rp 8,865,701.38 12 Rp 792,298.07 Rp 30,291.15 Rp 9,688,290.60 Rp 9,688,290.60 13 Rp 792,298.07 Rp 33,101.66 Rp 10,513,690.34 Rp 10,513,690.34 14 Rp 792,298.07 Rp 35,921.78 Rp 11,341,910.19 Rp 11,341,910.19 15 Rp 792,298.07 Rp 38,751.53 Rp 12,172,959.79 Rp 12,172,959.79 16 Rp 792,298.07 Rp 41,590.95 Rp 13,006,848.81 Rp 13,006,848.81 17 Rp 792,298.07 Rp 44,440.07 Rp 13,843,586.95 Rp 13,843,586.95 18 Rp 792,298.07 Rp 47,298.92 Rp 14,683,183.94 Rp 14,683,183.94 19 Rp 792,298.07 Rp 50,167.55 Rp 15,525,649.56 Rp 15,525,649.56 20 Rp 792,298.07 Rp 53,045.97 Rp 16,370,993.61 Rp 16,370,993.61 21 Rp 792,298.07 Rp 55,934.23 Rp 17,219,225.91 Rp 17,219,225.91 22 Rp 792,298.07 Rp 58,832.36 Rp 18,070,356.34 Rp 18,070,356.34 23 Rp 792,298.07 Rp 61,740.38 Rp 18,924,394.79 Rp 18,924,394.79 24 Rp 792,298.07 Rp 64,658.35 Rp 19,781,351.22 Rp 19,781,351.22 25 Rp 67,586.28 Rp 19,848,937.50 Rp 19,848,937.50 Rp -
