Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/conf.php on line 189

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 218

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Asia/Krasnoyarsk' for 'WIB/7.0/no DST' instead in /home/smkn6dki/public_html/tutorial/include/functions.php on line 200

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La #+ Jߏd aw, y8GW0pa%>7?Kc_NC#X| BӮ;'+KRsqdPdhB a A `!7:j^ pPNN+x@Cx=OJA}3^"(?RhqQHH#EN?"EJ ATp]7{3mL!b^"+ڡ[u̸+hs!*| z&Qr"#?:/pВGE9m|hI;yw|F;ݰ/01232$^i䬑6rU8Sd2$2rS Έ/u2$5ȼ%C&2$,::X2$ϲ xigUeH2$f5c(  2$x7S b9\l/ 2$kƼ HV.D p 2$țBJDV_~\|2$:j^ pPNN+?O 0AA@3R ʚ;l8ʚ;g4KdKd 0ppp@ <4dddd@w 0tT 80___PPT10 pp?  %VANUITAS   Anuitas adalah sejumlah pembayaran yang sama besarnya, yang dibayarkan setiap akhir jangka waktu, dan terdiri atas bagian bunga dan bagian angsuran. ^    Jika besarnya anuitas adalah A, angsuran periode ke-n dinyatakan dengan an, dan bunga periode ke-n adalah bn, maka dipero- leh hubungan: A = an + bn , n = 1,2,3,..\M#/p   * Menghitung anuitas Dengan notasi sigma: A = M Contoh: Pinjaman sebesar Rp 2.000.000,00 akan diluna si dengan sistem anuitas selama 3 tahun. Anui- tas pertama dibayar satu tahun setelah peneri- maan uang. Jika bunga diperhitungkan 15% setahun, besarnya anuitas adalah& . FDP")Z 1  t Jawab: A = 2.000.000 = 2.000.000(0,4380) = 876.000 Jadi besarnya anuitas = Rp 876.000,00 uub=  !* Membuat tabel rencana pelunasan""  P  Contoh1: Pinjaman sebesar Rp 200.000,00 akan dilu- nasi dengan 4 anuitas bulanan . Anuitas pertama dibayar satu bulan setelah penerimaan uang. Jika bunga 3% sebulan, buatlah tabel rencana pelunasannya!      e Jawab : A = 200.000 = 200.000(0,2690) = 53.800ff X  J * Sisa pinjaman tidak 0,00 terjadi karena adanya pembulatan.K @    L Contoh2 : Berdasarkan tabel di atas , hitunglah besarnya anuitas! MM     Jawab : Pinjaman awal bln ke-1 = 30.000 x 100/3 = 1.000.000 Angsuran bln ke-1 = Pinj awal-Sisa Pinj (a1) = 1.000.000- 912.669,49 = 87.330,51 Anuitas = a1 + b1 = 87.330,51 + 30.000 = 117.330,51 LZbM e   Contoh 3: Berdasarkan tabel di atas , besar angsuran ke-3 adalah& . OO  X Jawab: Bunga bln ke-3(b3) = 5% x 128.250 = 6.412,5 Angsuran ke-3 (a3) = 45.000  6.412,5 = 38.587,5 * Atau a3 = Pinj awal  sisa pinj = 128.250 - 89.662,5 = 38.587,5 Jadi besar angsuran ke-3 = Rp 38.587,5 J-OKvGN4 *Menghitung Pelunasan Hutang >   Jika pelunasan (angsuran) dalam anuitas ke-1 adalah a1, dalam anuitas ke-n adalah an, hutang semula M dan suku bunganya i, maka : an = a1(1+i)n-1 , an = ak (1+i)n-k9  7 : *    Contoh: Suatu pinjaman sebesar Rp 5.000.000,00 dengan bunga 6% per bulan akan dilunasi dengan anuitas bulanan sebesar Rp 500.000,00 .Dengan menggunakan tabel berikut , hitunglah besar angsuran ke-3.       Jawab: a1 = A - b1 = 500.000  6%(5.000.000) = 500.000  300.000 = 200.000 a3 = a1(1+i)3-1 = 200.000(1,06)2 = 200.000(1,1236) = 224.720 Jadi besar angsuran ke-3 = Rp 224.720,00  hTb * Menghitung Sisa Pinjaman  >  Sisa pinjaman setelah pembayaran anuitas ke-m (m<n) dapat dihitung dengan cara: 1. Sisa pinjaman = besar pinjaman  jumlah semua angsuran yang sudah dibayar Sm = M  a1 ^2 ( ( p    2. Sisa Pinjaman = jumlah semua nilai tunai yang belum dibayar, dihitung pada akhir tahun pembayaran anuitas terakhir yang dibayar Sm = A &:     X 3. Hubungan antara bunga dengan sisa pinjaman, yaitu : Sm = 4YO     Contoh : Seseorang meminjam uang sebesar Rp 1.000.000,00 yang akan dilunasinya dalam 12 anuitas bulanan. Anuitas pertama dibayar sebulan setelah penerimaan pinja man, dengan suku bunga majemuk 3% se- bulan.Hitunglah sisa pinjaman setelah anui- tas ke-9!         Jawab : A = 1.000.000 = 1.000.000(0,100462) = 100.462 S9 = 100.462 = 100.462 (2,828611) = 284.167,92 &L  Latihan: 1. Suatu pinjaman dengan suku bunga 5% per bulan sebesar Rp 100.000,00 akan dilunasi dengan 5 anuitas bulanan. Jika anuitas pertama dibayar sebulan setelah pinjaman diterima,maka besar anuitas tersebut adalah& .   ! G Jawab : A = 100.000 = 100.000 (0,2310) = 23.100HHB"  2. Nilai q pada tabel rencana pelunasan di bawah ini adalah& .DD #  Jawab: a1 = A  b1 = 50.000- 20.000 = 30.000 Hutang awal thn ke-1 (q) = a1 + sisa htg = 30.000 + 970.000 = 1.000.000 Jadi nilai q = Rp 1.000.000,00 LZ OBN&$ S 3. Dari tabel di atas , hitunglah besar sisa pinjaman pada periode ke-3. TT %  Jawab : Pinjaman awal periode ke-2 = 178.000 Sisa pinjaman periode ke-2 = Pinjaman awal  a2 = 178.000  23.980 = 154.020 Pinjaman awal periode ke-3 = 154.020 a3 = A  b3 = 40.000  13.861,8 = 26.138,2 Sisa pinjaman periode ke- 3 = Pinj awal  a3 = 154.020  26.138,2 = 127.881,8 ~_ `  c CLXWH&  4. Dari tabel di atas, nilai Z yang memenuhi adalah & .. CCt' D Jawab : Sisa pinjaman thn ke-1 = pinj awal  a1 = 1.000.000  25.000 = 975.000 Pinjaman awal thn ke- 2 (Y) = 975.000 Bunga thn ke-2 (Z) = 5% x 975.000 = 48.750 Jadi besar bunga thn ke-2 = Rp 48.750,00&#2:WD ( p 5. Pada pelunasan pinjaman dengan anuitas, diketahui suku bunganya 2% sebulan. Jika angsuran bulan ke-3 Rp 67.300,00, maka besarnya angsuran bulan ke-5 adalah& . L     )  Jawab : a5 = a3 (1+i)5-3 = 67.300(1,02)2 = 67.300(1,0404) = 70.018,92 Jadi besar angsuran bulan ke- 5 adalah Rp 70.018,92\l`  * T 6. Pinjaman sebesar Rp 100.000,00 akan dilunasi dengan anuitas tahunan sebesar Rp 21.630,00 berdasarkan suku bunga majemuk 8% setahun. Angsuran pertama dilaksanakan satu tahun setelah penerimaan pinjaman, sisa pinjaman setelah angsuran pertama dibayar adalah& . ++$    ,  Jawab: a1 = A  b1 = 21.630  x 10.000 = 21.630  8.000 = 13.630 S1 = A  a1 = 100.000  13.630 = 86.370 Jadi sisa pinjaman setelah angsuran pertama adalah Rp 86.370,00 \_ ~   0` 33` Sf3f` 33g` f` www3PP` ZXdbmo` \ғ3y`Ӣ` 3f3ff` 3f3FKf` hk]wwwfܹ` ff>>\`Y{ff` R>&- {p_/̴>?" dd@,|?" dd@   " @ ` n?" dd@   @@``PR    @ ` ` p>> $(    60  `}  T Click to edit Master title style! !  01  `  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     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B`B  0o ?ttB 0 NA ? ?P }  H  0޽h ? 33___PPT10i.?0/ +D=' B= @B +}  0 ($(  (r ( S  `   r ( S \9  H ( 0޽h ? 33___PPT10i.?+D=' B= @B +  0 ,R(  ,x , c $P w   ,0 NA ? ?z   H , 0޽h ? 33___PPT10i.? +D=' B= @B +O  0 f^N4(  4r 4 S \'g  Dl 7wT  N4 #"/U7wT  4 <,%?cwT  l"152.200 102.966 52.254,98 22,63 *## @` 4 <%?~ cT  j 47.800 49.234 50.711,0252.232,35!! @` 4 <?~ T  e6000 4566 3.088,98 1.567,65 @` 4 <ȁ?9T  k!200.000 152.200 102.966 52.254,98"" @` 4 <?79T  V 1 2 3 4   @`  4 <$P?~ c lAngsuran   @`  4 <?~  RBunga3%    @`  4 <t?cw  Sisa Pinjaman$ @` 4 <H@?c T A = 53.800   @` 4 <m?9  Pinjaman awal$ @` 4 <@?79 |Bln Ke$ @``B 4 0o ?7wZB 4 s *1 ?7w`B 4 0o ?7T wT `B 4 0o ?77T ZB 4 s *1 ?99T ZB 4 s *1 ?T ZB 4 s *1 ?ccT `B 4 0o ?wwT ZB /4 s *1 ?cZB 44 s *1 ?~ ~ T H 4 0޽h ? 33___PPT10i.?+}+D=' B= @B +J  0  GHJ(  Hx H c $$    I GH #">=mI  H <?}I "Rp 912.669,49 & .. @` H <8? } \ & .. & .   @` H <ʖ?}  fRp30.000,00 & &  @` H <LӖ?G} ` & & .. & & ..   @` H <ۖ?}G M1 2 @`  H <p? @} iAngsr @`  H <?@ } lBunga 3%   @`  H <P?I}  Sisa Pinjaman$ @` H <?@ zAnuitas = &    @` H <Ŗ?G}  Pinjaman Awal$ @` H <P?G} |Bln ke$ @``B H 0o ?IZB H s *1 ?}I}`B H 0o ?I`B H 0o ?ZB H s *1 ?GGZB H s *1 ?ZB H s *1 ?`B H 0o ?IIZB ,H s *1 ?@@ZB /H s *1 ? @ H H 0޽h ? 3380___PPT10.?  0 @P(  Pr P S  `  H P 0޽h ? 33___PPT10i.? +D=' B= @B +J  0 aYP@T(  Tx T c $,= Y,  9  w  ?T #""% w   T <$D?67w  b165.000 128.250 89.662,5 @` T <-? 76  M- - - @` T <U?j7   ]10.000 8.250 - @` T <W?7j  b 200.000 165.000 128.250 @` T <th? 7  O1 2 3 @`  T <q? 67 jangsur @`  T <{?j 7 lbunga 3%   @`  T <\?6w7  Sisa Pinjaman$ @` T <L?j6 X A = 45.000,00 @` T <$?j7  Pinjaman awal$ @` T <? 7 |Bln ke$ @``B T 0o ? wZB T s *1 ? 7w7`B T 0o ?  w `B T 0o ?   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