PERHITUNGAN NET INCOME

Langkah 1 : Masukkan data : NCL Predictive; COF rate dan type angsuran di kotak kuning
Effective rate Flat rate
NCL Predictive (by Dealer) 4.00
COF Rate (%) 11.00 8.25562
Type Angsuran (ADV/ARR) ARR

Langkah 2 : Masukkan data calon nasabah di kotak kuning

Harga unit (OTR) 18,000,000

Total pembayaran (DP Gross) 13,000,000
Tenor (bulan) 35
Lending Rate (%) 32.20 19.00996

Langkah 3: Masukkan data: Admin fee dan TAC (Subsidi + Komisi)

Admin income (fee) 800,000
TAC 2,000,000

PERHITUNGAN NET INCOME

Total Income
Interest Income 3,451,385
Admin Income 800,000
Insurance Sell Amount 424,800
Insurence Buy Amount (424,800)
Total Income 4,251,385

Total Cost
COF + NCL 1,498,863
TAC (Total Acquisition Cost) 2,000,000 ok
Opex 635,448 ok
Insentif Internal & Dealer Retention 128,000 ok
Total Cost 4,262,312
Net Income (10,927)
COME

DP Gross :
DP (net) 11,775,200
Admin Income 800,000
Insurance (sell) 2.36 424,800
Total DP Gross 13,000,000

Insurance (buy) 2.36 424,800

Pokok Hutang
OTR 18,000,000
DP (net) 11,775,200
Pokok Hutang 6,224,800
 PERHITUNGAN MENCARI RATE ( FLATE )
estimasi Masukkan data dikotak kuning
Uang Muka 4,991,680 Harga Barang
Angsuran 1 Total Pembayaran
Administrasi 800,000 Angsuran
Asuransi 208,320 Administrasi
Total Uang Muka 6,000,000 tenor
Asuransi
Harga Barang 22,400,000
Perlengkapan Tambahan hasil akhir
Toal Harga 22,400,000 Bunga FLATE
Uang Muka % 22.28 4,991,680
Pokok Hutang 17,408,320
Bunga/tahun % 20.84696 3,326,680
total piutang 20,735,000
angsuran/bulan 1,885,000

Asuransi % 0.93 208,320

Tipe (Arrear=0 ; ARREAR

FLAT Rate Rate
EFFECTIVE
Advance=1) 36.409%

PERHATIAN YANG BERWARNA ORANGE JANGAN DIRUBAH !

n data dikotak kuning
22,400,000
6,000,000
1,885,000
800,000 administrasi normal : 700,000
11 5.30
0.93 asuransi normal : 0.92

20.847

DIRUBAH !
 PERHITUNGAN MENCARI ANGSURAN
estimasi v
Uang Muka 11,642,813 0.93 Harga Barang
Angsuran 1 1.30 Total pembayaran
Administrasi 800,000 1.69 Efektif
Asuransi 557,187 2.04 Administrasi
Total Uang Muka 13,000,000 2.37 tenor
2.90 h
Harga Barang 23,510,000
Perlengkapan Tambahan hasil akhir
Toal Harga 23,510,000 Angsuran
Uang Muka % 49.52 11,642,813
11,867,187 Net Iincome
Bunga/tahun flat % 19.00996 6,579,847 TAC
total piutang 18,447,034 Admin Income Fee
angsuran/bulan 527,058

Asuransi % 2.37 557,187

Pokok Hutang 10,510,000

PERHATIAN YANG BERWARNA ORANGE JANGAN DIRUBAH !

w
 23,510,000 NCL Predictive (by Dealer) 4.00
13,000,000 COF Rate (%) 11.00
32.200 Type Angsuran (ADV/ARR) ARR
800,000 administrasi normal : 700,000
35
2.37 asuransi normal : 2.36
DPNett : 55.29562
Bunga % : 55.44572
527,058 Flat % : 19.00996

10,927 Cw : 28,25 29,75 36,35

2,000,000 Mjs : 26,25 31,50
800,000 54 : 26,50 31,50

N DIRUBAH !
 m'6

rr
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 PERHITUNGAN MENCARI UANG MUKA ( total pembayaran)
estimasi Masukkan data dikotak kuning
Uang Muka 4,966,230 Harga Barang 18,000,000
Angsuran 1 Angsuran 750,000
Administrasi 800,000 Efektif 29.700
Asuransi 304,200 Administrasi 800,000
Total Uang Muka 6,070,430 tenor 23
Asuransi 1.69
Harga Barang 18,000,000
Perlengkapan Tambahan hasil akhir
Toal Harga 18,000,000 Uang Muka 6,070,430
Uang Muka % 27.59 4,966,230
Pokok Hutang 13,033,770
Bunga/tahun flat % 16.87748 4,216,230
total piutang 17,250,000
angsuran/bulan 750,000

Asuransi % 1.69 304,200

PERHATIAN YANG BERWARNA ORANGE JANGAN DIRUBAH !

otak kuning

administrasi normal : 700,000

asuransi normal : 1.69

x
nnnnnn
 Tabel standar (dapat dirubah
sesuai dengan memo yg berlaku)

tenor asuransi adm tenor asuransi adm

11 0.92 700000 11 0.92 700000

12 0.92 700000 12 0.92 700000
17 1.3 700000 17 1.3 700000
18 1.3 700000 18 1.3 700000
23 1.69 700000 23 1.69 700000
24 1.69 700000 24 1.69 700000
29 2.03 700000 29 2.03 700000
30 2.03 700000 30 2.03 700000
35 2.36 700000 35 2.36 700000
36 2.36 700000 36 2.36 700000
47 2.9 700000 47 2.9 700000
48 2.9 700000 48 2.9 700000
11 45.000 55.000 klo DP bsr
19 45.000
23 32.000
29 32.000
35 30.000
47 30.000