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The time value of money

The time value of money. Non annuity. A=FV/FVIF FV=a(FVIF) PT FGH MEMBELI SELEMBAR OBLIGIGASI DENGAN NILAAI TUNAI RP.20 JT JANGKA WAKTU 5 TAHUN DAN TINGKAT SUKU BUNGA 14% /THN BERAPA NILAI INVESTASI PERUSAHAAN TSB? A=20jt R=14% N=5thn FV=20 JT (1+14%) 5 =20 JT X 1,925414582=38.508.291,65.

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The time value of money

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  1. The time value of money

  2. Non annuity • A=FV/FVIF • FV=a(FVIF) • PT FGH MEMBELI SELEMBAR OBLIGIGASI DENGAN NILAAI TUNAI RP.20 JT JANGKA WAKTU 5 TAHUN DAN TINGKAT SUKU BUNGA 14% /THN BERAPA NILAI INVESTASI PERUSAHAAN TSB? • A=20jt • R=14% • N=5thn • FV=20 JT (1+14%)5=20 JT X 1,925414582=38.508.291,65

  3. lanjutaN • FV=40JT • A=20 JT • R? • FVIF=40/20JT=2=(1+r)5 • R=14,5%/15% • (1+0,145)5=19.68 • (1+15%)5=2,01

  4. LANJUTAN • PRESENT VALUE/NILAI SEKARANG • JIKA SUATU INVESTASI DIJANJIKAN BERNILAI RP 100JT SELAMA 5 TH DENGAN RETURN/BUNGA YANG DIJANJIKAN SEBESAR 24% /TH BERAPA NILAI TUNAI DARI INVESTASI TERSEBUT; • DIKET A/FV=100JT • R=24% • PV? PV=FV.PVIF • =100JT(1+0,24%)-5=100jtx0,34110774 • =34.110.774,02

  5. LANJUTAN • PV=45 JT • FV=100JT • R? • PVIF=45/100=0,45=(1+R)-5=0,45 • R? • 15%=0,497 • 16%=0,47 • 17%=0,45

  6. ANNUITY • JIKA PEMBAYARN BERKALI-KALI DENGAN JUMLAH YANG SAMA • PRESENT VALUE ANNUITY • JIKA PT JKL MEMBAYAR CICILAAN RUKO SEBESAR 15 JT/BLN SELAMA 10 TAHUN DENGAN TINGKAT SUKU BUNGA KPR SEBESAR`12%/TH BERAPAKAH NILAI TUNAI DARI RUKO TSB • DIKET=A=15JT • N=10X 12=120 BLN • R=12%/12=1%/BLN • PVA=A.PVIFA • PVA=15JT(1-(1+0,01)-120/0,01=15JT X 69,70052203=1.045.507.830,00

  7. FUTURE VALUE INTEREST FACTOR ANNUITY /FVIFA • MONOLIFE MEMBERLAKUKAN PREMI ASURANSI SEBESAR 500 RB /BLN KPD PEMEGANG POLISH SELAMA 15 THN BERAPA NILAI CLAIM DARI ASURANSI TERSEBUT JIKA BUNGA YANG DITETAPKAN SEBESAR 8%/THN • DIKET A=500.000 • R=8%/THN=8%/12=0,66%/BLN • N=15THN/15X12=180BLN • FVA? • FVA=A.FVIFA=500.000X ((1+0,0066)180-1/0,0066 • =500.000 X346,0382565=173.019.128,3

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