ANGS.

CONTOH PERHITUNGAN PINJAMAN JEFRI DI KPRI

KE MODAL ANGSURAN 1.50% JUMLAH
1. Rp 60,000,000 1,000,000 Rp 900,000 1,900,000
2. Rp 59,000,000 1,000,000 Rp 885,000 1,885,000
3. Rp 58,000,000 1,000,000 Rp 870,000 1,870,000
4 Rp 57,000,000 1,000,000 Rp 855,000 1,855,000
5 Rp 56,000,000 1,000,000 Rp 840,000 1,840,000
6 Rp 55,000,000 1,000,000 Rp 825,000 1,825,000
7 Rp 54,000,000 1,000,000 Rp 810,000 1,810,000
8 Rp 53,000,000 1,000,000 Rp 795,000 1,795,000
9 Rp 52,000,000 1,000,000 Rp 780,000 1,780,000
10 Rp 51,000,000 1,000,000 Rp 765,000 1,765,000
11. Rp 50,000,000 1,000,000 Rp 750,000 1,750,000
12. Rp 49,000,000 1,000,000 Rp 735,000 1,735,000
13. Rp 48,000,000 1,000,000 Rp 720,000 1,720,000
14. Rp 47,000,000 1,000,000 Rp 705,000 1,705,000
15 Rp 46,000,000 1,000,000 Rp 690,000 1,690,000
16. Rp 45,000,000 1,000,000 Rp 675,000 1,675,000
17. Rp 44,000,000 1,000,000 Rp 660,000 1,660,000
18. Rp 43,000,000 1,000,000 Rp 645,000 1,645,000
19. Rp 42,000,000 1,000,000 Rp 630,000 1,630,000
20 Rp 41,000,000 1,000,000 Rp 615,000 1,615,000
21 Rp 40,000,000 1,000,000 Rp 600,000 1,600,000
22 Rp 39,000,000 1,000,000 Rp 585,000 1,585,000
23 Rp 38,000,000 1,000,000 Rp 570,000 1,570,000
24 Rp 37,000,000 1,000,000 Rp 555,000 1,555,000
25 Rp 36,000,000 1,000,000 Rp 540,000 1,540,000
26 Rp 35,000,000 1,000,000 Rp 525,000 1,525,000
27 Rp 34,000,000 1,000,000 Rp 510,000 1,510,000
28 Rp 33,000,000 1,000,000 Rp 495,000 1,495,000
29 Rp 32,000,000 1,000,000 Rp 480,000 1,480,000
30 Rp 31,000,000 1,000,000 Rp 465,000 1,465,000
31 Rp 30,000,000 1,000,000 Rp 450,000 1,450,000
32 Rp 29,000,000 1,000,000 Rp 435,000 1,435,000
33 Rp 28,000,000 1,000,000 Rp 420,000 1,420,000
34 Rp 27,000,000 1,000,000 Rp 405,000 1,405,000
35 Rp 26,000,000 1,000,000 Rp 390,000 1,390,000
36 Rp 25,000,000 1,000,000 Rp 375,000 1,375,000
37 Rp 24,000,000 1,000,000 Rp 360,000 1,360,000
38 Rp 23,000,000 1,000,000 Rp 345,000 1,345,000
39 Rp 22,000,000 1,000,000 Rp 330,000 1,330,000
40 Rp 21,000,000 1,000,000 Rp 315,000 1,315,000
41 Rp 20,000,000 1,000,000 Rp 300,000 1,300,000
42 Rp 19,000,000 1,000,000 Rp 285,000 1,285,000
43 Rp 18,000,000 1,000,000 Rp 270,000 1,270,000
44 Rp 17,000,000 1,000,000 Rp 255,000 1,255,000
45 Rp 16,000,000 1,000,000 Rp 240,000 1,240,000
46 Rp 15,000,000 1,000,000 Rp 225,000 1,225,000
47 Rp 14,000,000 1,000,000 Rp 210,000 1,210,000
48 Rp 13,000,000 1,000,000 Rp 195,000 1,195,000
49 Rp 12,000,000 1,000,000 Rp 180,000 1,180,000
50 Rp 11,000,000 1,000,000 Rp 165,000 1,165,000
51 Rp 10,000,000 1,000,000 Rp 150,000 1,150,000
52 Rp 9,000,000 1,000,000 Rp 135,000 1,135,000
53 Rp 8,000,000 1,000,000 Rp 120,000 1,120,000
54 Rp 7,000,000 1,000,000 Rp 105,000 1,105,000
55 Rp 6,000,000 1,000,000 Rp 90,000 1,090,000
56 Rp 5,000,000 1,000,000 Rp 75,000 1,075,000
57 Rp 4,000,000 1,000,000 Rp 60,000 1,060,000
58 Rp 3,000,000 1,000,000 Rp 45,000 1,045,000
 59 Rp 2,000,000 1,000,000 Rp 30,000 1,030,000
60 Rp 1,000,000 1,000,000 Rp 15,000 1,015,000

87,450,000
PERBANDINGAN DI BANK
Rp 60,000,000 Rp 1,409,500 Rp 84,570,000
Adm+PrRp 1,500,000
Rp 61,500,000
ANGS. CONTOH PERHITUNGAN PINJAMAN JEFRI
KE MODAL ANGSURAN 1.60% JUMLAH
1. Rp 60,000,000 1,000,000 Rp 960,000 1,960,000
2. Rp 59,000,000 1,000,000 Rp 944,000 1,944,000
3. Rp 58,000,000 1,000,000 Rp 928,000 1,928,000
4 Rp 57,000,000 1,000,000 Rp 912,000 1,912,000
5 Rp 56,000,000 1,000,000 Rp 896,000 1,896,000
6 Rp 55,000,000 1,000,000 Rp 880,000 1,880,000
7 Rp 54,000,000 1,000,000 Rp 864,000 1,864,000
8 Rp 53,000,000 1,000,000 Rp 848,000 1,848,000
9 Rp 52,000,000 1,000,000 Rp 832,000 1,832,000
10 Rp 51,000,000 1,000,000 Rp 816,000 1,816,000
11. Rp 50,000,000 1,000,000 Rp 800,000 1,800,000
12. Rp 49,000,000 1,000,000 Rp 784,000 1,784,000
13. Rp 48,000,000 1,000,000 Rp 768,000 1,768,000
14. Rp 47,000,000 1,000,000 Rp 752,000 1,752,000
15 Rp 46,000,000 1,000,000 Rp 736,000 1,736,000
16. Rp 45,000,000 1,000,000 Rp 720,000 1,720,000
17. Rp 44,000,000 1,000,000 Rp 704,000 1,704,000
18. Rp 43,000,000 1,000,000 Rp 688,000 1,688,000
19. Rp 42,000,000 1,000,000 Rp 672,000 1,672,000
20 Rp 41,000,000 1,000,000 Rp 656,000 1,656,000
21 Rp 40,000,000 1,000,000 Rp 640,000 1,640,000
22 Rp 39,000,000 1,000,000 Rp 624,000 1,624,000
23 Rp 38,000,000 1,000,000 Rp 608,000 1,608,000
24 Rp 37,000,000 1,000,000 Rp 592,000 1,592,000
25 Rp 36,000,000 1,000,000 Rp 576,000 1,576,000
26 Rp 35,000,000 1,000,000 Rp 560,000 1,560,000
27 Rp 34,000,000 1,000,000 Rp 544,000 1,544,000
28 Rp 33,000,000 1,000,000 Rp 528,000 1,528,000
29 Rp 32,000,000 1,000,000 Rp 512,000 1,512,000
30 Rp 31,000,000 1,000,000 Rp 496,000 1,496,000
31 Rp 30,000,000 1,000,000 Rp 480,000 1,480,000
32 Rp 29,000,000 1,000,000 Rp 464,000 1,464,000
33 Rp 28,000,000 1,000,000 Rp 448,000 1,448,000
34 Rp 27,000,000 1,000,000 Rp 432,000 1,432,000
35 Rp 26,000,000 1,000,000 Rp 416,000 1,416,000
36 Rp 25,000,000 1,000,000 Rp 400,000 1,400,000
37 Rp 24,000,000 1,000,000 Rp 384,000 1,384,000
38 Rp 23,000,000 1,000,000 Rp 368,000 1,368,000
39 Rp 22,000,000 1,000,000 Rp 352,000 1,352,000
40 Rp 21,000,000 1,000,000 Rp 336,000 1,336,000
41 Rp 20,000,000 1,000,000 Rp 320,000 1,320,000
42 Rp 19,000,000 1,000,000 Rp 304,000 1,304,000
43 Rp 18,000,000 1,000,000 Rp 288,000 1,288,000
44 Rp 17,000,000 1,000,000 Rp 272,000 1,272,000
45 Rp 16,000,000 1,000,000 Rp 256,000 1,256,000
46 Rp 15,000,000 1,000,000 Rp 240,000 1,240,000
47 Rp 14,000,000 1,000,000 Rp 224,000 1,224,000
48 Rp 13,000,000 1,000,000 Rp 208,000 1,208,000
49 Rp 12,000,000 1,000,000 Rp 192,000 1,192,000
50 Rp 11,000,000 1,000,000 Rp 176,000 1,176,000
51 Rp 10,000,000 1,000,000 Rp 160,000 1,160,000
52 Rp 9,000,000 1,000,000 Rp 144,000 1,144,000
53 Rp 8,000,000 1,000,000 Rp 128,000 1,128,000
54 Rp 7,000,000 1,000,000 Rp 112,000 1,112,000
55 Rp 6,000,000 1,000,000 Rp 96,000 1,096,000
56 Rp 5,000,000 1,000,000 Rp 80,000 1,080,000
57 Rp 4,000,000 1,000,000 Rp 64,000 1,064,000
58 Rp 3,000,000 1,000,000 Rp 48,000 1,048,000
59 Rp 2,000,000 1,000,000 Rp 32,000 1,032,000
60 Rp 1,000,000 1,000,000 Rp 16,000 1,016,000

89,280,000
ANGS. CONTOH PERHITUNGAN PINJAMAN RENSUS DI KPRI
KE MODAL ANGSURAN 1.50% JUMLAH
1. Rp 50,000,000 1,000,000 Rp 750,000 1,750,000
2. Rp 49,000,000 1,000,000 Rp 735,000 1,735,000
3. Rp 48,000,000 1,000,000 Rp 720,000 1,720,000
4 Rp 47,000,000 1,000,000 Rp 705,000 1,705,000
5 Rp 46,000,000 1,000,000 Rp 690,000 1,690,000
6 Rp 45,000,000 1,000,000 Rp 675,000 1,675,000
7 Rp 44,000,000 1,000,000 Rp 660,000 1,660,000
8 Rp 43,000,000 1,000,000 Rp 645,000 1,645,000
9 Rp 42,000,000 1,000,000 Rp 630,000 1,630,000
10 Rp 41,000,000 1,000,000 Rp 615,000 1,615,000
11. Rp 40,000,000 1,000,000 Rp 600,000 1,600,000
12. Rp 39,000,000 1,000,000 Rp 585,000 1,585,000
13. Rp 38,000,000 1,000,000 Rp 570,000 1,570,000
14. Rp 37,000,000 1,000,000 Rp 555,000 1,555,000
15 Rp 36,000,000 1,000,000 Rp 540,000 1,540,000
16. Rp 35,000,000 1,000,000 Rp 525,000 1,525,000
17. Rp 34,000,000 1,000,000 Rp 510,000 1,510,000
18. Rp 33,000,000 1,000,000 Rp 495,000 1,495,000
19. Rp 32,000,000 1,000,000 Rp 480,000 1,480,000
20 Rp 31,000,000 1,000,000 Rp 465,000 1,465,000
21 Rp 30,000,000 1,000,000 Rp 450,000 1,450,000
22 Rp 29,000,000 1,000,000 Rp 435,000 1,435,000
23 Rp 28,000,000 1,000,000 Rp 420,000 1,420,000
24 Rp 27,000,000 1,000,000 Rp 405,000 1,405,000
25 Rp 26,000,000 1,000,000 Rp 390,000 1,390,000
26 Rp 25,000,000 1,000,000 Rp 375,000 1,375,000
27 Rp 24,000,000 1,000,000 Rp 360,000 1,360,000
28 Rp 23,000,000 1,000,000 Rp 345,000 1,345,000
29 Rp 22,000,000 1,000,000 Rp 330,000 1,330,000
30 Rp 21,000,000 1,000,000 Rp 315,000 1,315,000
31 Rp 20,000,000 1,000,000 Rp 300,000 1,300,000
32 Rp 19,000,000 1,000,000 Rp 285,000 1,285,000
33 Rp 18,000,000 1,000,000 Rp 270,000 1,270,000
34 Rp 17,000,000 1,000,000 Rp 255,000 1,255,000
35 Rp 16,000,000 1,000,000 Rp 240,000 1,240,000
36 Rp 15,000,000 1,000,000 Rp 225,000 1,225,000
37 Rp 14,000,000 1,000,000 Rp 210,000 1,210,000
38 Rp 13,000,000 1,000,000 Rp 195,000 1,195,000
39 Rp 12,000,000 1,000,000 Rp 180,000 1,180,000
40 Rp 11,000,000 1,000,000 Rp 165,000 1,165,000
41 Rp 10,000,000 1,000,000 Rp 150,000 1,150,000
42 Rp 9,000,000 1,000,000 Rp 135,000 1,135,000
43 Rp 8,000,000 1,000,000 Rp 120,000 1,120,000
44 Rp 7,000,000 1,000,000 Rp 105,000 1,105,000
45 Rp 6,000,000 1,000,000 Rp 90,000 1,090,000
46 Rp 5,000,000 1,000,000 Rp 75,000 1,075,000
47 Rp 4,000,000 1,000,000 Rp 60,000 1,060,000
48 Rp 3,000,000 1,000,000 Rp 45,000 1,045,000
49 Rp 2,000,000 1,000,000 Rp 30,000 1,030,000
50 Rp 1,000,000 1,000,000 Rp 15,000 1,015,000

69,125,000
PERBANDINGAN BANK
 Rp 50,000,000 Rp 1,448,000 72,400,000
ADM+Prov 800,000
73,200,000

ANGS. CONTOH PERHITUNGAN PINJAMAN RENSUS DI KPRI

KE MODAL ANGSURAN 1.75% JUMLAH
1. Rp 50,000,000 1,000,000 Rp 875,000 1,875,000
2. Rp 49,000,000 1,000,000 Rp 857,500 1,857,500
3. Rp 48,000,000 1,000,000 Rp 840,000 1,840,000
4 Rp 47,000,000 1,000,000 Rp 822,500 1,822,500
5 Rp 46,000,000 1,000,000 Rp 805,000 1,805,000
6 Rp 45,000,000 1,000,000 Rp 787,500 1,787,500
7 Rp 44,000,000 1,000,000 Rp 770,000 1,770,000
8 Rp 43,000,000 1,000,000 Rp 752,500 1,752,500
9 Rp 42,000,000 1,000,000 Rp 735,000 1,735,000
10 Rp 41,000,000 1,000,000 Rp 717,500 1,717,500
11. Rp 40,000,000 1,000,000 Rp 700,000 1,700,000
12. Rp 39,000,000 1,000,000 Rp 682,500 1,682,500
13. Rp 38,000,000 1,000,000 Rp 665,000 1,665,000
14. Rp 37,000,000 1,000,000 Rp 647,500 1,647,500
15 Rp 36,000,000 1,000,000 Rp 630,000 1,630,000
16. Rp 35,000,000 1,000,000 Rp 612,500 1,612,500
17. Rp 34,000,000 1,000,000 Rp 595,000 1,595,000
18. Rp 33,000,000 1,000,000 Rp 577,500 1,577,500
19. Rp 32,000,000 1,000,000 Rp 560,000 1,560,000
20 Rp 31,000,000 1,000,000 Rp 542,500 1,542,500
21 Rp 30,000,000 1,000,000 Rp 525,000 1,525,000
22 Rp 29,000,000 1,000,000 Rp 507,500 1,507,500
23 Rp 28,000,000 1,000,000 Rp 490,000 1,490,000
24 Rp 27,000,000 1,000,000 Rp 472,500 1,472,500
25 Rp 26,000,000 1,000,000 Rp 455,000 1,455,000
26 Rp 25,000,000 1,000,000 Rp 437,500 1,437,500
27 Rp 24,000,000 1,000,000 Rp 420,000 1,420,000
28 Rp 23,000,000 1,000,000 Rp 402,500 1,402,500
29 Rp 22,000,000 1,000,000 Rp 385,000 1,385,000
30 Rp 21,000,000 1,000,000 Rp 367,500 1,367,500
31 Rp 20,000,000 1,000,000 Rp 350,000 1,350,000
32 Rp 19,000,000 1,000,000 Rp 332,500 1,332,500
33 Rp 18,000,000 1,000,000 Rp 315,000 1,315,000
34 Rp 17,000,000 1,000,000 Rp 297,500 1,297,500
35 Rp 16,000,000 1,000,000 Rp 280,000 1,280,000
36 Rp 15,000,000 1,000,000 Rp 262,500 1,262,500
37 Rp 14,000,000 1,000,000 Rp 245,000 1,245,000
38 Rp 13,000,000 1,000,000 Rp 227,500 1,227,500
39 Rp 12,000,000 1,000,000 Rp 210,000 1,210,000
40 Rp 11,000,000 1,000,000 Rp 192,500 1,192,500
41 Rp 10,000,000 1,000,000 Rp 175,000 1,175,000
42 Rp 9,000,000 1,000,000 Rp 157,500 1,157,500
43 Rp 8,000,000 1,000,000 Rp 140,000 1,140,000
44 Rp 7,000,000 1,000,000 Rp 122,500 1,122,500
45 Rp 6,000,000 1,000,000 Rp 105,000 1,105,000
46 Rp 5,000,000 1,000,000 Rp 87,500 1,087,500
47 Rp 4,000,000 1,000,000 Rp 70,000 1,070,000
48 Rp 3,000,000 1,000,000 Rp 52,500 1,052,500
49 Rp 2,000,000 1,000,000 Rp 35,000 1,035,000
50 Rp 1,000,000 1,000,000 Rp 17,500 1,017,500

72,312,500
 PERBANDINGAN BANK
Rp 50,000,000 Rp 1,448,000 72,400,000
ADM+Prov 800,000
73,200,000

CONTOH
ANGS. PERHITUNGAN PINJAMAN RENSUS DI KPRI dengan BANK
KE MODAL ANGSURAN 2.00% JUMLAH
1. Rp 50,000,000 1,000,000 Rp 1,000,000 2,000,000
2. Rp 49,000,000 1,000,000 Rp 980,000 1,980,000
3. Rp 48,000,000 1,000,000 Rp 960,000 1,960,000
4 Rp 47,000,000 1,000,000 Rp 940,000 1,940,000
5 Rp 46,000,000 1,000,000 Rp 920,000 1,920,000
6 Rp 45,000,000 1,000,000 Rp 900,000 1,900,000
7 Rp 44,000,000 1,000,000 Rp 880,000 1,880,000
8 Rp 43,000,000 1,000,000 Rp 860,000 1,860,000
9 Rp 42,000,000 1,000,000 Rp 840,000 1,840,000
10 Rp 41,000,000 1,000,000 Rp 820,000 1,820,000
11. Rp 40,000,000 1,000,000 Rp 800,000 1,800,000
12. Rp 39,000,000 1,000,000 Rp 780,000 1,780,000
13. Rp 38,000,000 1,000,000 Rp 760,000 1,760,000
14. Rp 37,000,000 1,000,000 Rp 740,000 1,740,000
15 Rp 36,000,000 1,000,000 Rp 720,000 1,720,000
16. Rp 35,000,000 1,000,000 Rp 700,000 1,700,000
17. Rp 34,000,000 1,000,000 Rp 680,000 1,680,000
18. Rp 33,000,000 1,000,000 Rp 660,000 1,660,000
19. Rp 32,000,000 1,000,000 Rp 640,000 1,640,000
20 Rp 31,000,000 1,000,000 Rp 620,000 1,620,000
21 Rp 30,000,000 1,000,000 Rp 600,000 1,600,000
22 Rp 29,000,000 1,000,000 Rp 580,000 1,580,000
23 Rp 28,000,000 1,000,000 Rp 560,000 1,560,000
24 Rp 27,000,000 1,000,000 Rp 540,000 1,540,000
25 Rp 26,000,000 1,000,000 Rp 520,000 1,520,000
26 Rp 25,000,000 1,000,000 Rp 500,000 1,500,000
27 Rp 24,000,000 1,000,000 Rp 480,000 1,480,000
28 Rp 23,000,000 1,000,000 Rp 460,000 1,460,000
29 Rp 22,000,000 1,000,000 Rp 440,000 1,440,000
30 Rp 21,000,000 1,000,000 Rp 420,000 1,420,000
31 Rp 20,000,000 1,000,000 Rp 400,000 1,400,000
32 Rp 19,000,000 1,000,000 Rp 380,000 1,380,000
33 Rp 18,000,000 1,000,000 Rp 360,000 1,360,000
34 Rp 17,000,000 1,000,000 Rp 340,000 1,340,000
35 Rp 16,000,000 1,000,000 Rp 320,000 1,320,000
36 Rp 15,000,000 1,000,000 Rp 300,000 1,300,000
37 Rp 14,000,000 1,000,000 Rp 280,000 1,280,000
38 Rp 13,000,000 1,000,000 Rp 260,000 1,260,000
39 Rp 12,000,000 1,000,000 Rp 240,000 1,240,000
40 Rp 11,000,000 1,000,000 Rp 220,000 1,220,000
41 Rp 10,000,000 1,000,000 Rp 200,000 1,200,000
42 Rp 9,000,000 1,000,000 Rp 180,000 1,180,000
43 Rp 8,000,000 1,000,000 Rp 160,000 1,160,000
44 Rp 7,000,000 1,000,000 Rp 140,000 1,140,000
45 Rp 6,000,000 1,000,000 Rp 120,000 1,120,000
46 Rp 5,000,000 1,000,000 Rp 100,000 1,100,000
47 Rp 4,000,000 1,000,000 Rp 80,000 1,080,000
48 Rp 3,000,000 1,000,000 Rp 60,000 1,060,000
49 Rp 2,000,000 1,000,000 Rp 40,000 1,040,000
50 Rp 1,000,000 1,000,000 Rp 20,000 1,020,000
 Jumlah 75,500,000

Yang Kembali ke Peminjam

1 Jasa usaha + jasa modal 4 thn x 3000.000 Rp 12,000,000
2 THR 4 thn x 800.000 Rp 3,200,000
3 Transpor RAT + undian Rp 350,000 15,550,000
Yang dibayar Peminjam hanya 59,950,000

PERBANDINGAN BANK
Rp 50,000,000 Rp 1,448,000 72,400,000
ADM+Provisi 800,000
Jumlah yang dibayar di bank 73,200,000
tanpa ada jasa yang diterima peminjam

Kesimpulan : Jauh lebih beruntung minjam di KPRI kita dibanding BANK.

Persentase di KPRI yang dibayar hanya 1,20 %