To find the present value P: PV(i%,n,A,F)

To find the future value F: FV(i%,n,A,P)

To find the equal, periodic value A: PMT(i%,n,P,F)

Most used in financing sth:

F/P A/P
i 24.74% i 7.70%
n 19 n 14
P IDR 1,000.00 P IDR 1,328,953,032.70
F -IDR 66,680.00 A -IDR 158,400,000.00
F = P x (1+i)n
F -IDR 66,680.00

A -IDR 158,400,000.00
Monthly -IDR 13,200,000.00
Bi-weekly -IDR 6,600,000.00

P/F A/F
i 5.00% i 7.01%
n 20 n 3
F -IDR 4,115,336,342.34 F IDR 500,000,000.00
P IDR 1,551,026,985.91 A -IDR 155,510,643.60
P = F x (1+i)-n
P IDR 1,551,026,985.91

A -IDR 155,510,643.60

Cara nentuin annual lease payment:

harus diketahui: harga cash, interest rate, lev, duration of lease
dapetin harga cash untuk tahun ini
ubah lease end value ke present dulu
dapetin selisih harga cash dan lease end value, baru setelah itu di-annualin

I want to have 500 million rupiah at the end of 2017. now is 2014 already, how much money should I save each year starting end of this year?
F = 500 million
n=3
Indonesia Inflation rate = 7.01%
A= ?

Canadian inflation rate is 1.81%. The cost of 1 thing is 15,000 CAD now, how much it will be in 3 years?
P = 15,000
n=3
I = 1.81%
F=?

Currency performance

Sentral Bank Interest Rate

Inflation Rate
 http://bisniskeuangan.kompas.com/read/201

http://bisnis.liputan6.com/read/679027/siapa

http://www.bi.go.id/id/moneter/inflasi/data/De
P/A
i 5.00% http://www.inflation.eu/inflation-rates/canada
n 12
A IDR 120.00
P -IDR 1,063.59
this equation will convert annuity cash flow to an equivalent present worth
amount one to the left of the first annuity cash flow
i (1 + i ) n (1 + i )n - 1

A= P P = A for i 0
(1 + i ) - 1
n
n
i (1 + i )
P -IDR 1,063.59

Internal RoR
F/A t
i 25.00% 1
n 20 2
A IDR 12,000,000.00 3
F -IDR 4,115,336,342.34 4
5
IRR =

i (1 + i ) n - 1
A = F F F =A
-IDR 4,115,336,342.34

(1 + i ) n - 1
i

each year starting end of this year?

Currency performance

Sentral Bank Interest Rate

Inflation Rate
/bisniskeuangan.kompas.com/read/2013/11/13/0740572/Ini.Dampak.Kenaikan.BI.Rate

/bisnis.liputan6.com/read/679027/siapa-yang-untung-atau-rugi-akibat-kenaikan-bi-rate

/www.bi.go.id/id/moneter/inflasi/data/Default.aspx Deposito Bulanan Compound

F/P
/www.inflation.eu/inflation-rates/canada/historic-inflation/cpi-inflation-canada.aspx iannual
n
P
F
h flow to an equivalent present worth
uity cash flow
Deposito n Bulan non-compound
F/P
iannual
n
P
F
CF(t)
-2500
120
233
1200
2000
10.8958%
sito Bulanan Compound Bond Price Determination
F/P Coupon contribution
0.0763 i
12 (n disini ialah dalam bulan) n
IDR 100,000,000.00 Coupon payment
IDR 106,277,698.48 Present
Price

sito n Bulan non-compound Selisih -IDR 173,698.48 Face contribution

F/P i
0.0763 n
12 F
IDR 100,000,000.00 Present
Price
IDR 106,104,000.00
Present
Price

Fisher Effect real growth rate after adjusted with inflation

R = nominal rate
r = real rate
h = inflation rate

R 0.07225
h 0.075
r -0.00256
-0.26 %
Price Determination
Coupon contribution in discounted bond case, I get to pay cheaper price of bond to compensate my loss on
0.06 annual coupon payment which is smaller than the market's
9
80.00 in premium bond case, I get to buy higher price of bond to compensate my gain in
coupon rate which is greater than the market's
-544.14

Face contribution I = market coupon

0.06
9 coupon payment reflects our coupon rate
1000.00
-591.90

1136.03
-113.60 %
compensate my loss on

pensate my gain in
tropikana residence Jababeka

jalan merak

Survey jababeka

tropikana residence dan simprug garden adalah 2 cluster yang saling berhubungan
dari jalan cikarang baru raya bisa masuk ke jalan kancil rusa dll
kancil rusa dll sepertinya jalanannya lebih sempit - semacam rawa bambunya
begitu juga dengan jalan puspita, puspa, singa, dll
lurusan starbucks, ada perumahan namanya jalan kedasih, merak, dll nama2 burung. Disana jalanan agak kecil tapi banyak mak
Tropikana residence ke stasiun cikarang - 8.9 km lewatin president university.

Survey 28 Desember 2016

Taman Sentosa Lippo Cikarang
Meadow Green Cikarang
Taman Aster Cibitung
lanan agak kecil tapi banyak makanan :)
No Items Emil Bobot Emil Wisnu

1 Market - Groceries - Restaurant 4 12.12 5

2 Schools (Junior High) 5 15.15 4
3 Accesability - Public Transport - Highway 4 12.12 4
4 Security 3 9.09 4
5 Flood Free 3 9.09 4
6 Bebas mati lampu dan air 1 3.03 4
7 Entertainment nearby 4 12.12 3
8 Church nearby 3 9.09 4
9 Hospitals / health clinic nearby 3 9.09 4
10 Deket Bank 3 9.09 2
33.00 100.00 38.00
Bobot Wisnu Bobot rata (%) Tropikana Residence Gardenia

13.16 12.64 80 10.11 80 10.11

10.53 12.84 80 10.27 80 10.27
10.53 11.32 70 7.92 70 7.92
10.53 9.81 100 9.81 100 9.81
10.53 9.81 80 7.85 80 7.85
10.53 6.78 80 5.42 80 5.42
7.89 10.01 80 8.01 80 8.01
10.53 9.81 60 5.89 60 5.89
10.53 9.81 90 8.83 80 7.85
5.26 7.18 80 5.74 80 5.74
100.00 Score Total 79.85 78.87
 MOBILIO RS
Bobot % 2014

(1 - 10) Nilai
Aspect 1 (1 - 100)
Harga 10 0.2128
Konsumsi bensin 9 0.1915
Interior 9 0.1915

Aspect 2
Eksterior 10 0.2128
Kenyamanan berkendara 9 0.1915
Harga jual 0
0
0
0
0
0
0

External facility
0
0
0

Prospect
0
0

Physical
0
0

Accesibility
0
0
0
0
0

Legal
0

Faktor tambahan
0
0
0
0
0
47 SKOR AKHIR

VELOZ 2014 VELOZ 2015
Nilai Nilai
(1 - 100) (1 - 100)
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
ERTIGA
2014
Nilai
(1 - 100)
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0 0 0
Komentar
 Apartemen
Assessment factors Bobot % Summarecon
Bekasi
(1 - 10) Nilai
Financial Aspect (1 - 100)
Perbandingan harga per m2 10 0.0444 60
Biaya tambahan diluar pembelian 9 0.04 60
Biaya bulanan 9 0.04 70

Location aspect
Lokasi dan lingkungan sekitar 10 0.0444 80
Rumah Sakit 9 0.04 60
Gereja terdekat 9 0.04 80
Sekolah Anak 9 0.04 90
Pasar 7 0.0311 70
Bebas Banjir 9 0.04 80
Bebas Mati Lampu 9 0.04 80
Bebas mati air 9 0.04 80
Dekat Bank 7 0.0311 80

External facility
Amusement Park 5 0.0222 70
Mall 8 0.0356 90
Kolam Renang 3 0.0133 70

Prospect
Kemudahan jual kembali 9 0.04 90
Prospek pasar masa depan / potensi disewakan 9 0.04 90

Physical
Keadaan fisik properti 10 0.0444 60
Spesifikasi (cahaya matahari, sirkulasi udara) 8 0.0356 70

Accesibility
Akses ke tempat kerja Emil 9 0.04 70
Akses ke tempat kerja Wisnu 9 0.04 90
Akses menuju lokasi properti 7 0.0311 60
Dekat ke rumah ortu Emil 9 0.04 80
Dekat ke rumah ortu Wisnu 9 0.04 90

Legal
Status kepemilikan / SHM 7 0.0311 70

Faktor tambahan dari Emil

Lingkungan - mayoritas warga sekitar? 8 0.0356 60
Keamanan 9 0.04 80
0
0
0
225 SKOR AKHIR
 Maple leaf
Cikarang Komentar

Nilai
(1 - 100)
2.664 90 3.996 Perbandingan harga lebih menguntungkan jika beli rumah - per m2 lebih m
2.4 90 3.6 Biaya lain2 kalo di apartment pasti lebih mahal karna masih dalam naunga
2.8 90 3.6 Biaya bulanan juga kalo apartment pasti lebih mahal, kayak parkir etc

3.552 60 2.664 Apartment lebih strategis lokasinya

2.4 80 3.2 RS Bekasi di Hermina/Mitra Keluarga :( kalo di cikarang ada Siloam
3.2 90 3.6 Dari maple leaf gerejanya di depannya persis itu ada sekolah trinitas yang
3.6 80 3.2 Sekolah mirip2, tapi kualitas harusnya lebih bagus di bekasi sih ya?
2.177 70 2.177 Pasa sama2 aja kayaknya susah semua, gampangan di perumahan sih har
3.2 80 3.2 unknown
3.2 80 3.2 unknown
3.2 80 3.2 unknown
2.488 80 2.488 unknown

1.554 80 1.776 ada waterboom di cikarang

3.204 70 2.492 Mall sama aja, semuanya ada mall deket..kalo apartment ya tinggal jalan k
0.931 50 0.665 apartment ad kolam renang, tapi aku gak bakal sering berenang sih haha

3.6 70 2.8 apartent kayaknya lebih gampang tp unitnya bejibun, susah juga sih
3.6 70 2.8 apartent kayaknya lebih gampang tp unitnya bejibun, susah juga sih

2.664 70 3.108 rumah cikarang uda dapet ac 3 buah, apartment kosong melompong
2.492 80 2.848 rumah pasti lebih bagus sirkulasinya

2.8 80 3.2 Cikarang lebih dket, tapi bekasi ada shuttle ke p&g kok. Kalo aku pidah GO
3.6 40 1.6 Wisnu bisa sengsara tinggal di cikarang ke jkt tiap hari PP
1.866 60 1.866 Kayaknya ini sama2 aja
3.2 50 2 Bekasi lebih dket ke kebayoran
3.6 50 2 Ini sih ke rumah wisnu tinggal ngesot

2.177 90 2.799 Rumah dapet langsung, kalo apartment lama :(

2.136 90 3.204 Rumah kayaknya lebih membaur, apartment bakal autis

3.2 80 3.2 Kalo keamanan sama2 aja sih harusnya
0 0
0 0
0 0
75.505 74.483
 jika beli rumah - per m2 lebih murah
hal karna masih dalam naungan summarecon
bih mahal, kayak parkir etc

di cikarang ada Siloam

is itu ada sekolah trinitas yang dipake misa
bagus di bekasi sih ya?
mpangan di perumahan sih harusnya tapi gak ngefeklah, beli sayur mayur harusnya gak sesusah itu

alo apartment ya tinggal jalan kaki

akal sering berenang sih haha

ya bejibun, susah juga sih

ya bejibun, susah juga sih

ment kosong melompong

ke p&g kok. Kalo aku pidah GO juga ad busway

kt tiap hari PP

nt bakal autis
A Mobilio RS Manual 2014 / 2015
A1 Mobilio type E MT/ E Prestige
B Ertiga GX MT 2014 / 2015

C Veloz MT 1300/1500 2014/2015

Faktor Bobot A.1 A B

Harga 10 9 1.118 6 0.7453 9
konsumsi bensin 10 10 1.2422 10 1.2422 9
interior 9 6 0.6708 6 0.6708 9
eksterior 7.5 6 0.559 9 0.8385 6
kenyamanan berkendara 8 9 0.8944 9 0.8944 8.5
harga jual 6 8 0.5963 8 0.5963 7
Kemampuan mesin 8 10 0.9938 10 0.9938 9
Kemudahan penjualan 0 5 0 5 0 5
Bengkel terdekat 7 9 0.7826 9 0.7826 8
tanjakan 8 7 0.6957 7 0.6957 7
bawa penumpang 7 7 0.6087 7 0.6087 7
0 0
0 0
0 0
0 0
80.5 8.1615 8.0683

CONCLUSION:
BELI MOBILIO TYPE E MT / E PRESTIGE
ERTIGA TIPE GX
 IDR 165,000,000.00 IDR 175,000,000.00
IDR 145,000,000.00 IDR 155,000,000.00
IDR 145,000,000.00 IDR 155,000,000.00

IDR 155,000,000.00 IDR 165,000,000.00

C
1.118 8 0.9938
1.118 8.5 1.0559
1.0062 8 0.8944
0.559 7.5 0.6988
0.8447 6 0.5963
0.5217 8 0.5963
0.8944 8 0.795
0 5 0 Unknown
0.6957 9 0.7826
0.6957 8.5 0.8447
0.6087 9 0.7826
0 0
0 0
0 0
0 0
8.0621 8.0404
MOBILIO STANDARD PHYSICAL CHECK

PART I : EXTERIOR P NP
Check the tyres, make sure all the treads are still good (xx mm and the water slides are
visible)
Tyres are supposed to be worn evenly and match - touch the whole surface of tyre to figure
this out
Check the tyres for feathering / bad alignment - common cause is due to poor steering / bad
suspension
Check the paint of the car, esp at the joints. Waviness could indicate repainting
Check the MOBILIO and type and transmisson at the back door
Check the location of signal light which only type G has
Check front bumper - make sure they are not loose
Check rear fin if any - make sure they are not loose
Check the floor and make sure no visible drip / leaks

PART II : UNDER THE HOOD P NP

Check for any indication of dent, damage or rust
Cek if there is any paint that looks newer that the surroundings around the engine. This
could indicate pernah terjadi turun mesin sebelumnya.

Check the hoses and belts, they shouldn't have cracks. Radiator hose should not be soft.

Cek jika ada rembesan oli / cairan apapun yang terlihat

Look for dark brown oil stains in the engine block - this indicates leak in the gasket

Check brake fluid and its reservoir ensuring they dont have any leak
Check oil level - with its dipstick
Cek oli transmisi kalau ada - khusus cvt
Check reserve coolant level and main radiator level
--------------- START ENGINE --------------------------
Listen to the engine sounds. Pastikan tidak ada suara logam berbenturan
Pastikan tidak ada suara tersendat atau tersengal-sengal. Mesin mobil harus konstan
menyala. Pasang belalai sebelum nyalain mobil
Pedal the gas few times - look for any leak under the hood afterwards. Pastikan tidak ada
rembesan oli atau cairan apapun setelah engine goes to high rpm
Pay attention to the bolts and screw. They have to be holding firm

Nyalakan AC - beberapa tipe yang sudah dicoba fan will quickly turned on when we start A/C

Pastikan A/C terasa dingin dan pastikan second blower kursi tengah menyala dengan baik.

Sebelum mesin dimatikan, pastikan there is no any indicator lights turned on during engine
runs.
Check the exhaust after car is turned back off. Greasy grime and white vapor indicate serious
problem with engine combustion

PART III : INTERIOR P NP

Check seat condition - look for rips, stains, other type of damage.
Check the mileage. 3 y.o car should normally have 35000 - 50000 km
Cek dashboard, pastikan tidak ada sobek, noda apapun, dan pastikan tidak terasa lengket
yang bearti baru saja dibersihkan oleh dealer.
Check car ceilings, make sure its clean and spotless
Check seat belt - try to snap them and make sure they are holding. Especially front two seat
belts
Check all electronic function is working (radio, power window, side mirror, etc)

PART IV : TEST DRIVE P NP

Check car responsiveness. 2014 car should be fairly responsive
All pedals (clutch, brake, gas) should NOT be stiff.
Check brakes, make sure it's working properly and can be pedal down easily.
Coba rem mendadak dan pastikan pedal rem tidak bergetar
make couple turns and make sure power steering works
Setir harusnya tidak bergetar sama sekali ketika mobil dibawa

PART V : FINAL DECISION P NP

Check whether they have service books available. Check if previous owner always bring the
car to official honda shop to be serviced.
Cek lokasi bpkb - pertimbangkan jika lokasi samsat yang berbeda dan akan makan waktu
untuk balik nama.
CAR MANUAL MUST BE THERE

Check if the tax is about to expire - jika kurang dari 4 bulan harga harus dikurang pajak

Price must be max consider also mutation fee dan biaya lain seperti lgs bawa ke bengkel dll