hutang piutang gpt
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kridit mulyakhan
NO nama nominal pinjamantiap bulan
1 bri 7,000,000 340,000
2 kartu kredit mandiri 10,000,000 400,000
3 kartu kredit Bukopin mulya 3,000,000 120,0004 kartu kredit Bukopin rahma 4,000,000 400,000
5 kartu kredit Bukopin ayu 3,000,000 300,000
6 kulkas adira 2,200,000 240,000
7 NSS 11,500,000 1,385,000
emas 9,000,000 360,000
! hp bb q10 3,000,000 500,000
10 diniya 8,000,000
11 Properti Kebab 13,680,500
12 muklis ramadha 500,000
13 daie !0,000,000 1,500,00014 kakak dinal !0,000,000
15 "ulia Putra #00,000
16 se$a toko 15,000,000
17 %a&i tentor thn sebelumnya 9,000,000
1 b% didie 1,000,000
1! my mother 1,000,000
20 'a(lun nasir 10,000,000
21 b% daduk #,000,000 39!,000
22 adiya 1,000,000
23 ari' t$asda 1,000,00024 pulsa rahma )00,000
25 muhadist 5,000,000
26 my mother y% lama 6,000,000
27 pak$ah 3,500,000
2 b% hi&rah
2! b% amri
30 kasma
32 my mother massa an(ai 6,000,000
33 ortu al*+tra )0,000,000
34 bu (uaini dan dosen an(ai !3,000,00035 pak samsul ri(al !0,000,000
36 pak ten%ku aeh tamian% #5,000,000
37 bq 6,000,000
3 NSS 1 ),000,000
3#9,#80,500 5,93),000
Sunday, -arh 01, !015
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nominal harus di bayar
"isa #injaman selama y$ sudah
!2,000 24 Bulan 1 Bulan 7,26,000
10,000,000 kapan ada %ash 7 & 7,33!,40
3,000,000 kapan ada %ash & & 2,154,0004,000,000 kapan ada %ash 2,154,000
3,000,000 kapan ada %ash 750,000
40,000 12 bulan ! Bulan 2,160,000
5,5#0,000 11 bulan ) Bulan !,6!5,000
6,8#0,000 !# bulan 6 Bulan 4,022,000
!,#00,000 6 bulan ! Bulan 1,000,000
8,000,000
9,858,#00 3,22,100
lunas 500,000
8,500,000 11,500,0008,500,000 13,500,000 11,500,000
3,100,000 4,000,000
5,000,000 10,000,000
10,000,000
500,000 500,000
* 1,000,000
3,000,000 7,000,000
6,#30,000 !# bulan ) .ulan
1,000,000
1,000,000lunas 700,000
5,000,000
!,500,000 1,000,000
#00,000
500,000
!50,000
6,000,000
35,000,000
* 23,000,000* 20,000,000
* 45,000,000
* 6,000,000
* 7,000,000
115,690,#00 224,064,50
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t$l pembayaran bun$a bun$a pertahun
total persiapan 'atuh tempo
,160,000 14 24 1,160,000 17(
16 35,40(
5 2620 30
20 30
2,0,000 25 5 60,000 31(
15,!35,000 11 !! 3,)35,000 3!/
10,50!,000 1# !#
3,000,000 !) #
65!015 66!015
0!!8!015
1!3!015
sudah telat
9,#08,000 3
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bun$a perbulant$l peminjaman
1)3(
2,!5( ***
3( ***
3/ 222
222
222
222
222
222
222
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solusi buat kartu kredit sebanyaknya
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No a'tar .aran% 4ar%a "umlah
1 Peman%%an% 3,000,000 1
! erobak 5,000,000 1
3 Kompor as 150,000 1
# abun% %as 150,000 35 7ree(er !,000,000 1
6 Perlen%kapan lainnya 1,000,000 11,300,000
) enda 300,000
8 Kulkas !,500,000
otal 1#,100,000
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a'tar tan% "umlah -odal "umlah
.an% -ulya 1,9!0,000 .an% -uhadis #,000,000
rul 51!,000 Kak beti !,500,000
.an% -uhadis #00,000 rul 1,000,000
Kak .eti 1#8,000 .an% -ulya 900,000Pak sultan 330,000 iara dkk 1,600,000
otal 10,000,000
tiara dkk 5,500,000
otal 3,310,000
"ual dn% ri 10,000,000 total
Sisa 6,690,000
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persen 4asil otal: Piutan% y% sudah di bayarkan
#0/ !,6)6,000 3,0)6,000
!5/ 1,6)!,500 1,8!0,500 1,300,000
10/ 669,000 1,51!,000
9/ 60!,100 !,5!!,100 !,5!!,10016/ 1,0)0,#00 1,0)0,#00
100/ 10,001,000
55/ 3,6)9,500 3,6)9,500
+otal 13,60,500 3,22,100
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sisa
3,0)6,000
5!0,500
1,51!,000
*1,0)0,#00
3,6)9,500 ket khusus
!,5,400
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No t$l bln thn Nominal "isa denda
1 !# 1! !013 1 363,#00
! !# 1 !01# 1 363,#00
3 !# ! !01# 1 363,#00
# !# 3 !01# 1 363,#00
5 !# # !01# 1 363,#00
6 !# 5 !01# 1 363,#00) !# 6 !01# 1 363,#00
8 !# ) !01# 1 363,#00
9 !# 8 !01# 1 363,#00
10 !# 9 !01# 1 363,#00
11 !# 10 !01# 1 363,#00
1! !# 11 !01# 1 363,#00
13 !# 1! !01# 1 363,#00
1# !# 1 !015 1 363,#00
15 !# ! !015 1 363,#00
16 !# 3 !015 1 363,#001) !# # !015 1 363,#00
18 !# 5 !015 1 363,#00
19 !# 6 !015 363,#00
!0 !# ) !015 363,#00
!1 !# 8 !015 1 363,#00
!! !# 9 !015 1 363,#00
!3 !# 10 !015 1 363,#00
!# !# 11 !015 1 363,#00
otal 18 ),!68,000 # 1,#53,600
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+O+- #.N'/
8,)!1,600
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bukopin mulya
ta%%al etak 5 ;lima<
tan%%al &atuh tempo !6
No t$l bln thn Nominal No t$l bln
1 !6 ! !015 1 1!0,000 1 11 #
! ! # !015 1 130,000 5
3 ! 5 !015 1 188,000 66 !015 1 188,000 )
) !015 1 188,000 8
8 !015 1 188,000 9
9 !015 1 188,000
otal ) 1,190,000 otal
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bukopin ayu rahma
thn Nominal No t$l bln thn Nominal
!015 1 150,000 1 19 # !015 359,000
!015 1 1!0,000 5 !015 359,000
!015 1 1!0,000 6 !015 359,000!015 1 1!0,000 ) !015 359,000
!015 1 1!0,000 8 !015 359,000
!015 1 1!0,000 9 !015 359,000
6 )50,000 otal 0 !,15#,000
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rahma ayu total
#,000,000 3,000,000 ),000,000
poton%an !50,000 222 500,000ta%ihan mandiri 516,#80
ta%ihan bukopin 359,000
5,6!#,5!0
tambahan saham 5,000,000
10,6!#,5!0
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No t$l bln thn Nominal "isa total har$a
1 30 1! !01# 1 !#0,000
! 1 !015 1 !#0,000
3 ! !015 1 !#0,000
# 5 3 !015 1 !#0,000
5 5 # !015 1 !#0,000
6 5 !015 1 !#0,000) 6 !015 1 !#0,000
8 ) !015 1 !#0,000
9 8 !015 1 !#0,000
10 1
11 1
otal 9 !,160,000 ! #80,000 !,6#0,000
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No +an$$al Nominal sisa denda
1 1!!!!01# 1 1,385,000
!01!!!015 1 1,385,000 35000
30!!!!015 1 1,385,000 19000
#03!5!015 1 1,385,000 !5000
50#!5!015 1 1,385,000 5000
60530!016 1 1,385,000 60000)06!)!01) 1 1,385,000 10000
8 1
9 1
10 1
11 1
otal ) 9,695,000 # 5,5#0,000 15#,000
15,!35,000
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No +an$$al Nominal sisa denda
0 1,86!,000
1 #1!015 1 360,000
! !!#!013 1 360,000
3 3!#!01# 1 360,000
# #!#!015 1 360,000
5 5!#!015 1 360,0006 6!#!015 1 360,000
) 1 360,000
8 1 360,000
9 1 360,000
10 1 360,000
11 1 360,000
1! 1 360,000
13 1 360,000 7eb*16
1# 1 360,000
15 1 360,00016 1 360,000
1) 1 360,000
18 1 360,000
19 1 360,000
!0 1 360,000
!1 1 360,000
!! 1 360,000
!3 1 360,000
!# 1 360,000
!5 1 360,000
otal 6 #,0!!,000 19 6,8#0,000 #!,#01
9,000,000
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har$a beli an$ /uka Nilai #embiayaan
9,310,000 1,86!,000 ),##8,000
!0/
hr$a beli $ram har$a juni selisih4= #65,500 508,000 #!,500
mai !015 har%a sekaran% 10,160,000
sisa bayaran 6,8#0,000
selisih 3,3!0,000
.>>- !,5!0,000
>? 6,5#!,000
S@S .AB #,3!0,000
4= C har%a dasar emas saat ini
Financing To Value (FTV) adalah perbandingan antara jumlah pembiayaan ya
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ar$a 'ual biaya admistrasi mar$in dlm $ram
10,###,398 50,000 1,13#,398 !0
naikbulanya prediksi naik ! thn !0 %ram naik bulan u10,6!5 !55,000 5,100,000 !1!,500
7D
jika di$adai emas perhiasan 5( emas murni !0(
rumus taksiran ;karat!#< E berat emas E 4=
10,160,000
rumus Pembiayaan aksiran F 7D
9,1##,000
Biaya Pemeliharaan ;aksiran E Bate< E $aktu %adai
rateC1,)/ perbulan 155,##8
ng diterima Nasabah dengan nilai emas yang diagunkan Nasabah kepada Bank
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dlm mayam
8
ntuk 20 $ram emas
untun%
57,052
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No +an$$al Nominal sisa denda
1 #3!015 1 500,000
! 1 500,000
3 1 500,000
# 1 500,000
5 1 500,000
6 1 500,000#00,000
otal ! 1,000,000 # !,#00,000 *
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No y$ bayar +an$$al Nominal
1 b% daduk 11!8!015 1 390,000
! b% daduk 11!9!015 1 390,000
3 b% daduk 1130!015 1 390,000
# b% daduk 1!1!015 1 390,000
5 b% daduk 1!!!015 1 390,000
6 -ulya 1!3!015 1 390,000) -ulya 1!#!015 1 390,000
8 -ulya 1!5!015 1
9 -ulya 1!6!015 !00,000 1
10 -ulya 1!)!015 1
11 -ulya 1!8!015 1
1! -ulya 1!9!015 1
13 -ulya 1!10!015 1
1# 1
15 1
16 11) 1
18 1
19 1
!0 1
!1 1
!! 1
!3 1
!# 1
otal ) !,930,000 1)
otal biaya y% harus dibayar
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sisa denda
&anuar C b% daduk
390,000
190,000
390,000
390,000
390,000
390,000
390,000
390,000
390,000390,000
390,000
390,000
390,000
390,000
390,000
390,000
390,000
6,#30,000 *
!,360,000
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No +an$$al Nominal total
1 #3!015 1 500,000 1,850,!00
! 1 800,000
3
#
5
6
otal ! 1,300,000 1,850,!00
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ket
trans'er bni ke rekenin% kk arul
sisa
550,!00
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No +an$$al Nominal total
1 6,500,000
20,000,000
! 1!1!01# 1 5,000,000
3 813!015 1 !,300,000
#5
6
)
8
otal ! 13,800,000 !0,000,000
sebelumnoember !01#
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ket no rekenin$ bri nurhasnaini tri
saat sama dinal
)03,001,008,8!0,539
6,!00,000
!0,000,000
sisa 8,500,000
5,000,000
6,500,000
ia trans'er ke rekenin% brimulya y% simpedes
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bni skuritas &an%ka pendek
No B=NGN S>?S@ Prediksi Nominal
1 Pin&am ulan% .B@ kak yulia 6,000,000
! K -andiri
3 Kartu kredit
# inestor
.idan% saha 4ero "an%ka Pe
No saha Prediksi Nominal
1 .imbel %enius! inon% %alery
3 mpera khas tamian%
# properti
5 "ual nasi pa%i
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paya yan% dilakukan No B=NGN S>?S@
1 Kompetisi bisnis
! koprasi 4KNP@
ktp ayah, muhadist, 3 ana .er%ulir Koprasi
b% suhaimi, # ana ber%ulir Kmenpora
5 Penambahan set6 adai emas
dek
paya yan% dilakukan No B=NGN S>?S@
1 Saham .ursa e'ek! outsarhin%
3 .uat Koprasi
#
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&an%ka Pan&an%
Prediksi Nominal paya yan% dilakukan
.idan% saha 4ero "an%ka Pan&an%
Prediksi Nominal paya yan% dilakukan