Kamis, 12 Juli 2012

BIKIN PENING

Rencana pelaksanaan dana dari investor.Kredit :
Jumlah pinjaman
PENUTUP

Dalam rangka pengembanagan uasaha CV.BIKIN PENING di bidang produksi kosen,perabot/furniture ,dan profil, di perlukan penambahan dana yang menurut perencanaan melaluiu kredit dari investor/kreditor. Dengan asumsi tingkat suku bbunga yang berlaku saat ini sebesar 20% flate pertahun dengan masa pinjaman  5 tahun.



Dari hasil perhitungan/atau analisa atas rencana kridit dan penggunaanya serta proyeksi penghasilan yang di peroleh pada tahun-tahun berikutny,maka di peroleh hasil sebagai berikut:
Ø  Pada tingkat suku bungga 20% di peroleh net present value(NPV) sebesar  Rp.401.713.083  karena NPV bernilai  POSITIF,maka proyek ini feasible untuk dilaksanakan.
Ø  Internal Rate of Return (IRR) yang di hasilkan sebesar   38,26% karena IRR yang dihasilkan lebih besar daripada tingkat suku bunnga yang  berlaku,maka proyek ini feasible untuk dilaksanakan.
Ø  Net benefit cost ratio yang dihasilkan sebesar  1,85.karena net benefitny ratio lebih besar dari pada 1.maka proyek ini feasible untuk dilaksanakan.
Ø  Groos benefit cost ratio yang dihasilkan sebesar 2,08.karena net benefit ratio lebih besar daripada 1,maka proyek ini feasible untuk dilaksanakan
Ø  Profitability ratio yang dihasilkan sebesar   1,85.karena profitability ratio lebih besar dari pada 1.maka proyek ini feasible untuk dilaksanakan.
Biaya operasional
gaji pimpinan  Rp          3,000,000  Rp         3,360,000  Rp                  3,360,000  Rp           3,360,000  Rp           3,360,000  Rp            3,360,000  Rp            3,360,000  Rp             3,360,000  Rp                 3,360,000  Rp          3,360,000  Rp           3,360,000  Rp          3,360,000  Rp             3,360,000  Rp             3,763,200  Rp            3,763,200  Rp       3,763,200  Rp          3,763,200  Rp              3,763,200  Rp              3,763,200  Rp             3,763,200  Rp            3,763,200  Rp                    3,763,200  Rp             3,763,200  Rp              3,763,200  Rp                3,763,200  Rp                    4,214,784  Rp              4,214,784  Rp               4,214,784  Rp                    4,214,784  Rp                 4,214,784  Rp                  4,214,784  Rp                4,214,784  Rp                     4,214,784  Rp                4,214,784  Rp              4,214,784  Rp                   4,214,784  Rp                 4,214,784  Rp                  4,720,558  Rp                4,720,558  Rp                    4,720,558  Rp                  4,720,558  Rp                  4,720,558  Rp                   4,720,558  Rp                  4,720,558  Rp             4,720,558  Rp                    4,720,558  Rp              4,720,558  Rp                 4,720,558  Rp                     4,720,558  Rp                   5,287,025  Rp                 5,287,025  Rp                5,287,025  Rp                5,287,025  Rp             5,287,025  Rp               5,287,025  Rp                5,287,025  Rp                5,287,025  Rp                      5,287,025  Rp                  5,287,025  Rp              5,287,025  Rp                  5,287,025
gaji staf  Rp          6,000,000  Rp         6,420,000  Rp                  6,420,000  Rp           6,420,000  Rp           6,420,000  Rp            6,420,000  Rp            6,420,000  Rp             6,420,000  Rp                 6,420,000  Rp          6,420,000  Rp           6,420,000  Rp          6,420,000  Rp             6,420,000  Rp             6,869,400  Rp            6,869,400  Rp       6,869,400  Rp          6,869,400  Rp              6,869,400  Rp              6,869,400  Rp             6,869,400  Rp            6,869,400  Rp                    6,869,400  Rp             6,869,400  Rp              6,869,400  Rp                6,869,400  Rp                    7,350,258  Rp              7,350,258  Rp               7,350,258  Rp                    7,350,258  Rp                 7,350,258  Rp                  7,350,258  Rp                7,350,258  Rp                     7,350,258  Rp                7,350,258  Rp              7,350,258  Rp                   7,350,258  Rp                 7,350,258  Rp                  7,350,258  Rp                7,864,776  Rp                    7,864,776  Rp                  7,864,776  Rp                  7,864,776  Rp                   7,864,776  Rp                  7,864,776  Rp             7,864,776  Rp                    7,864,776  Rp              7,864,776  Rp                 7,864,776  Rp                     7,864,776  Rp                   8,415,310  Rp                 8,415,310  Rp                8,415,310  Rp                8,415,310  Rp             8,415,310  Rp               8,415,310  Rp                8,415,310  Rp                8,415,310  Rp                      8,415,310  Rp                  8,415,310  Rp              8,415,310  Rp                  8,415,310
transportasi  Rp          1,000,000  Rp         1,000,000  Rp                  1,000,000  Rp           1,000,000  Rp           1,000,000  Rp            1,000,000  Rp            1,000,000  Rp             1,030,000  Rp                 1,030,000  Rp          1,030,000  Rp           1,030,000  Rp          1,030,000  Rp             1,030,000  Rp             1,060,900  Rp            1,060,900  Rp       1,060,900  Rp          1,060,900  Rp              1,060,900  Rp              1,060,900  Rp             1,092,727  Rp            1,092,727  Rp                    1,092,727  Rp             1,092,727  Rp              1,092,727  Rp                1,092,727  Rp                    1,125,509  Rp              1,125,509  Rp               1,125,509  Rp                    1,125,509  Rp                 1,125,509  Rp                  1,125,509  Rp                1,159,274  Rp                     1,159,274  Rp                1,159,274  Rp              1,159,274  Rp                   1,159,274  Rp                 1,159,274  Rp                  1,194,052  Rp                1,194,052  Rp                    1,194,052  Rp                  1,194,052  Rp                  1,194,052  Rp                   1,194,052  Rp                  1,229,874  Rp             1,229,874  Rp                    1,229,874  Rp              1,229,874  Rp                 1,229,874  Rp                     1,229,874  Rp                   1,266,770  Rp                 1,266,770  Rp                1,266,770  Rp                1,266,770  Rp             1,266,770  Rp               1,266,770  Rp                1,304,773  Rp                1,304,773  Rp                      1,304,773  Rp                  1,304,773  Rp              1,304,773  Rp                  1,304,773
listrik  Rp              500,000  Rp            500,000  Rp                      500,000  Rp               500,000  Rp               500,000  Rp               500,000  Rp                500,000  Rp                 515,000  Rp                     515,000  Rp             515,000  Rp              515,000  Rp              515,000  Rp                 515,000  Rp                530,450  Rp                530,450  Rp           530,450  Rp             530,450  Rp                  530,450  Rp                  530,450  Rp                 546,364  Rp               546,364  Rp                       546,364  Rp                 546,364  Rp                  546,364  Rp                    546,364  Rp                        562,754  Rp                  562,754  Rp                   562,754  Rp                        562,754  Rp                    562,754  Rp                      562,754  Rp                    579,637  Rp                        579,637  Rp                   579,637  Rp                  579,637  Rp                       579,637  Rp                     579,637  Rp                      597,026  Rp                    597,548  Rp                        597,563  Rp                     597,564  Rp                      597,564  Rp                       597,564  Rp                     615,491  Rp                615,491  Rp                        615,491  Rp                  615,491  Rp                     615,491  Rp                         615,491  Rp                      633,956  Rp                     633,956  Rp                    633,956  Rp                    633,956  Rp                 633,956  Rp                  633,956  Rp                    652,974  Rp                    652,974  Rp                         652,974  Rp                     652,974  Rp                  652,974  Rp                      652,974
biaya sewa  Rp          1,750,000  Rp         1,750,000  Rp                  1,750,000  Rp           1,750,000  Rp           1,750,000  Rp            1,750,000  Rp            1,750,000  Rp             1,750,000  Rp                 1,750,000  Rp          1,750,000  Rp           1,750,000  Rp          1,750,000  Rp             1,750,000  Rp             1,750,000  Rp            1,750,000  Rp       1,750,000  Rp          1,750,000  Rp              1,750,000  Rp              1,750,000  Rp             1,750,000  Rp            1,750,000  Rp                    1,750,000  Rp             1,750,000  Rp              1,750,000  Rp                1,750,000  Rp                    1,750,000  Rp              1,750,000  Rp               1,750,000  Rp                    1,750,000  Rp                 1,750,000  Rp                  1,750,000  Rp                1,750,000  Rp                     1,750,000  Rp                1,750,000  Rp              1,750,000  Rp                   1,750,000  Rp                 1,750,000  Rp                  1,750,000  Rp                1,750,000  Rp                    1,750,000  Rp                  1,750,000  Rp                  1,750,000  Rp                   1,750,000  Rp                  1,750,000  Rp             1,750,000  Rp                    1,750,000  Rp              1,750,000  Rp                 1,750,000  Rp                     1,750,000  Rp                   1,750,000  Rp                 1,750,000  Rp                1,750,000  Rp                1,750,000  Rp             1,750,000  Rp               1,750,000  Rp                1,750,000  Rp                1,750,000  Rp                      1,750,000  Rp                  1,750,000  Rp              1,750,000  Rp                  1,750,000
penyusutan mesin dan peralatan  Rp          3,333,333  Rp         3,333,333  Rp                  3,333,333  Rp           3,333,333  Rp           3,333,333  Rp            3,333,333  Rp            3,333,333  Rp             3,333,333  Rp                 3,333,333  Rp          3,333,333  Rp           3,333,333  Rp          3,333,333  Rp             3,333,333  Rp             3,333,333  Rp            3,333,333  Rp       3,333,333  Rp          3,333,333  Rp              3,333,333  Rp              3,333,333  Rp             3,333,333  Rp            3,333,333  Rp                    3,333,333  Rp             3,333,333  Rp              3,333,333  Rp                3,333,333  Rp                    3,333,333  Rp              3,333,333  Rp               3,333,333  Rp                    3,333,333  Rp                 3,333,333  Rp                  3,333,333  Rp                3,333,333  Rp                     3,333,333  Rp                3,333,333  Rp              3,333,333  Rp                   3,333,333  Rp                 3,333,333  Rp                  3,333,333  Rp                3,333,333  Rp                    3,333,333  Rp                  3,333,333  Rp                  3,333,333  Rp                   3,333,333  Rp                  3,333,333  Rp             3,333,333  Rp                    3,333,333  Rp              3,333,333  Rp                 3,333,333  Rp                     3,333,333  Rp                   3,333,333  Rp                 3,333,333  Rp                3,333,333  Rp                3,333,333  Rp             3,333,333  Rp               3,333,333  Rp                3,333,333  Rp                3,333,333  Rp                      3,333,333  Rp                  3,333,333  Rp              3,333,333  Rp                  3,333,333
penyusutan kendaraan  Rp          1,166,667  Rp         1,166,667  Rp                  1,166,667  Rp           1,166,667  Rp           1,166,667  Rp            1,166,667  Rp            1,166,667  Rp             1,166,667  Rp                 1,166,667  Rp          1,166,667  Rp           1,166,667  Rp          1,166,667  Rp             1,166,667  Rp             1,166,667  Rp            1,166,667  Rp       1,166,667  Rp          1,166,667  Rp              1,166,667  Rp              1,166,667  Rp             1,166,667  Rp            1,166,667  Rp                    1,166,667  Rp             1,166,667  Rp              1,166,667  Rp                1,166,667  Rp                    1,166,667  Rp              1,166,667  Rp               1,166,667  Rp                    1,166,667  Rp                 1,166,667  Rp                  1,166,667  Rp                1,166,667  Rp                     1,166,667  Rp                1,166,667  Rp              1,166,667  Rp                   1,166,667  Rp                 1,166,667  Rp                  1,166,667  Rp                1,166,667  Rp                    1,166,667  Rp                  1,166,667  Rp                  1,166,667  Rp                   1,166,667  Rp                  1,166,667  Rp             1,166,667  Rp                    1,166,667  Rp              1,166,667  Rp                 1,166,667  Rp                     1,166,667  Rp                   1,166,667  Rp                 1,166,667  Rp                1,166,667  Rp                1,166,667  Rp             1,166,667  Rp               1,166,667  Rp                1,166,667  Rp                1,166,667  Rp                      1,166,667  Rp                  1,166,667  Rp              1,166,667  Rp                  1,166,667
lain-lain  Rp          2,000,000  Rp         2,000,000  Rp                  2,000,000  Rp           2,000,000  Rp           2,000,000  Rp            2,000,000  Rp            2,000,000  Rp             2,060,000  Rp                 2,060,000  Rp          2,060,000  Rp           2,060,000  Rp          2,060,000  Rp             2,060,000  Rp             2,121,800  Rp            2,121,800  Rp       2,121,800  Rp          2,121,800  Rp              2,121,800  Rp              2,121,800  Rp             2,185,454  Rp            2,185,454  Rp                    2,185,454  Rp             2,185,454  Rp              2,185,454  Rp                2,185,454  Rp                    2,251,018  Rp              2,251,018  Rp               2,251,018  Rp                    2,251,018  Rp                 2,251,018  Rp                  2,251,018  Rp                2,318,548  Rp                     2,318,548  Rp                2,318,548  Rp              2,318,548  Rp                   2,318,548  Rp                 2,318,548  Rp                  2,388,105  Rp                2,388,105  Rp                    2,388,105  Rp                  2,388,105  Rp                  2,388,105  Rp                   2,388,105  Rp                  2,459,748  Rp             2,459,748  Rp                    2,459,748  Rp              2,459,748  Rp                 2,459,748  Rp                     2,459,748  Rp                   2,533,540  Rp                 2,533,540  Rp                2,533,540  Rp                2,533,540  Rp             2,533,540  Rp               2,533,540  Rp                2,609,546  Rp                2,609,546  Rp                      2,609,546  Rp                  2,609,546  Rp              2,609,546  Rp                  2,609,546
 jumlah biaya operasional  Rp   18,750,000  Rp  19,530,000  Rp         19,530,000  Rp    19,530,000  Rp    19,530,000  Rp    19,530,000  Rp    19,530,000  Rp     19,635,000  Rp        19,635,000  Rp  19,635,000  Rp   19,635,000  Rp   19,635,000  Rp     19,635,000  Rp     20,595,750  Rp    20,595,750  Rp20,595,750  Rp  20,595,750  Rp      20,595,750  Rp      20,595,750  Rp     20,707,145  Rp    20,707,145  Rp          20,707,145  Rp     20,707,145  Rp      20,707,145  Rp       20,707,145  Rp          21,754,323  Rp      21,754,323  Rp      21,754,323  Rp          21,754,323  Rp        21,754,323  Rp         21,754,323  Rp       21,872,501  Rp           21,872,501  Rp       21,872,501  Rp      21,872,501  Rp          21,872,501  Rp        21,872,501  Rp         22,499,999  Rp       23,015,039  Rp          23,015,055  Rp        23,015,055  Rp         23,015,055  Rp          23,015,055  Rp        23,140,447  Rp     23,140,447  Rp          23,140,447  Rp      23,140,447  Rp        23,140,447  Rp           23,140,447  Rp         24,386,601  Rp        24,386,601  Rp       24,386,601  Rp       24,386,601  Rp     24,386,601  Rp      24,386,601  Rp       24,519,629  Rp       24,519,629  Rp           24,519,629  Rp        24,519,629  Rp      24,519,629  Rp         24,519,629
laba (rugi)bersih perbulan  Rp        19,788,500  Rp      19,008,500  Rp                19,008,500  Rp         19,008,500  Rp         19,008,500  Rp         19,008,500  Rp          19,008,500  Rp           20,059,655  Rp               20,059,655  Rp       20,059,655  Rp        20,059,655  Rp        20,059,655  Rp           20,059,655  Rp          20,289,745  Rp          20,289,745  Rp     20,289,745  Rp       20,289,745  Rp            20,289,745  Rp            20,289,745  Rp           21,404,915  Rp         21,404,915  Rp                 21,404,915  Rp           21,404,915  Rp            21,404,915  Rp              21,404,915  Rp                  21,621,098  Rp            21,621,098  Rp             21,621,098  Rp                  21,621,098  Rp              21,621,098  Rp                21,621,098  Rp              27,305,852  Rp                  27,305,852  Rp             27,305,852  Rp            27,305,852  Rp                 27,305,852  Rp               27,305,852  Rp                28,153,705  Rp              27,638,665  Rp                  27,638,649  Rp               27,638,649  Rp                27,638,649  Rp                 27,638,649  Rp               33,669,588  Rp          33,669,588  Rp                  33,669,588  Rp            33,669,588  Rp               33,669,588  Rp                   33,669,588  Rp                34,127,734  Rp               34,127,734  Rp              34,127,734  Rp              34,127,734  Rp           34,127,734  Rp            34,127,734  Rp              40,525,958  Rp              40,721,895  Rp                   40,727,773  Rp               40,727,950  Rp            40,727,955  Rp                40,727,955
bahagian laba CV. Bikin pening
manajemen/skill                            20%  Rp         3,801,700  Rp                  3,801,700  Rp           3,801,700  Rp           3,801,700  Rp            3,801,700  Rp            3,801,700  Rp             4,011,931  Rp                 4,011,931  Rp          4,011,931  Rp           4,011,931  Rp          4,011,931  Rp             4,011,931  Rp             4,057,949  Rp            4,057,949  Rp       4,057,949  Rp          4,057,949  Rp              4,057,949  Rp              4,057,949  Rp             4,280,983  Rp            4,280,983  Rp                    4,280,983  Rp             4,280,983  Rp              4,280,983  Rp                4,280,983  Rp                    4,324,220  Rp              4,324,220  Rp               4,324,220  Rp                    4,324,220  Rp                 4,324,220  Rp                  4,324,220  Rp                5,461,170  Rp                     5,461,170  Rp                5,461,170  Rp              5,461,170  Rp                   5,461,170  Rp                 5,461,170  Rp                  5,630,741  Rp                5,527,733  Rp                    5,527,730  Rp                  5,527,730  Rp                  5,527,730  Rp                   5,527,730  Rp                  6,733,918  Rp             6,733,918  Rp                    6,733,918  Rp              6,733,918  Rp                 6,733,918  Rp                     6,733,918  Rp                   6,825,547  Rp                 6,825,547  Rp                6,825,547  Rp                6,825,547  Rp             6,825,547  Rp               6,825,547  Rp                8,105,192  Rp                8,144,379  Rp                      8,145,555  Rp                  8,145,590  Rp              8,145,591  Rp                  8,145,591
DANA                                                80%  Rp         5,516,825  Rp                  5,678,325  Rp           5,839,825  Rp           6,001,324  Rp            6,162,824  Rp            6,324,323  Rp             6,844,484  Rp                 7,014,914  Rp          7,185,345  Rp           7,355,775  Rp          7,526,205  Rp             7,696,636  Rp             7,957,303  Rp            8,129,689  Rp       8,302,074  Rp          8,474,459  Rp              8,646,844  Rp              8,819,230  Rp             9,485,814  Rp            9,667,674  Rp                    9,849,534  Rp           10,031,394  Rp            10,213,254  Rp              10,395,114  Rp                  10,683,799  Rp            10,867,495  Rp             11,051,192  Rp                  11,234,889  Rp              11,418,585  Rp                11,602,282  Rp              14,884,821  Rp                  15,116,817  Rp             15,348,812  Rp            15,580,807  Rp                 15,812,803  Rp               16,044,798  Rp                16,782,191  Rp              16,710,003  Rp                  16,944,817  Rp               17,179,639  Rp                17,414,462  Rp                 17,649,285  Rp               21,786,541  Rp          22,072,603  Rp                  22,358,666  Rp            22,644,729  Rp               22,930,792  Rp                   23,216,854  Rp                23,822,724  Rp               24,112,680  Rp              24,402,635  Rp              24,692,590  Rp           24,982,545  Rp            25,272,501  Rp              30,354,872  Rp              30,847,614  Rp                   31,198,097  Rp               31,544,264  Rp            31,890,300  Rp                32,236,332
100%  Rp    9,318,525  Rp           9,480,025  Rp      9,641,525  Rp      9,803,024  Rp      9,964,524  Rp    10,126,023  Rp     10,856,415  Rp        11,026,845  Rp  11,197,276  Rp   11,367,706  Rp   11,538,136  Rp     11,708,567  Rp     12,015,252  Rp    12,187,638  Rp12,360,023  Rp  12,532,408  Rp      12,704,793  Rp      12,877,179  Rp     13,766,797  Rp    13,948,657  Rp          14,130,517  Rp     14,312,377  Rp      14,494,237  Rp       14,676,097  Rp          15,008,018  Rp      15,191,715  Rp      15,375,412  Rp          15,559,108  Rp        15,742,805  Rp         15,926,502  Rp       20,345,992  Rp           20,577,987  Rp       20,809,982  Rp      21,041,978  Rp          21,273,973  Rp        21,505,968  Rp         22,412,932  Rp       22,237,737  Rp          22,472,547  Rp        22,707,369  Rp         22,942,192  Rp          23,177,015  Rp        28,520,458  Rp     28,806,521  Rp          29,092,584  Rp      29,378,646  Rp        29,664,709  Rp           29,950,772  Rp         30,648,271  Rp        30,938,226  Rp       31,228,182  Rp       31,518,137  Rp     31,808,092  Rp      32,098,048  Rp       38,460,063  Rp       38,991,993  Rp           39,343,652  Rp        39,689,854  Rp      40,035,891  Rp         40,381,923
bagian laba investor
manajemen/skill  Rp                          -  Rp                                    -  Rp                             -  Rp                             -  Rp                             -  Rp                             -  Rp                              -  Rp                                  -  Rp                           -  Rp                            -  Rp                           -  Rp                               -  Rp                              -  Rp                              -  Rp                        -  Rp                           -  Rp                               -  Rp                                -  Rp                               -  Rp                             -  Rp                                     -  Rp                              -  Rp                                -  Rp                                 -  Rp                                      -  Rp                                -  Rp                                -  Rp                                     -  Rp                                  -  Rp                                    -  Rp                                  -  Rp                                      -  Rp                                 -  Rp                               -  Rp                                     -  Rp                                   -  Rp                                    -  Rp                                 -  Rp                                     -  Rp                                   -  Rp                                   -  Rp                                     -  Rp                                   -  Rp                              -  Rp                                     -  Rp                                -  Rp                                  -  Rp                                       -  Rp                                    -  Rp                                   -  Rp                                 -  Rp                                 -  Rp                               -  Rp                                -  Rp                                 -  Rp                                 -  Rp                                       -  Rp                                   -  Rp                               -  Rp                                    -
Dana  Rp         9,689,975  Rp                  9,528,475  Rp           9,366,975  Rp           9,205,476  Rp            9,043,976  Rp            8,882,477  Rp             9,203,240  Rp                 9,032,810  Rp          8,862,379  Rp           8,691,949  Rp          8,521,519  Rp             8,351,088  Rp             8,274,492  Rp            8,102,107  Rp       7,929,722  Rp          7,757,337  Rp              7,584,951  Rp              7,412,566  Rp             7,638,117  Rp            7,456,258  Rp                    7,274,398  Rp             7,092,538  Rp              6,910,678  Rp                6,728,818  Rp                    6,613,080  Rp              6,429,384  Rp               6,245,687  Rp                    6,061,990  Rp                 5,878,294  Rp                  5,694,597  Rp                6,959,860  Rp                     6,727,865  Rp                6,495,870  Rp              6,263,874  Rp                   6,031,879  Rp                 5,799,884  Rp                  5,740,772  Rp                5,400,929  Rp                    5,166,103  Rp                  4,931,280  Rp                  4,696,457  Rp                   4,461,634  Rp                  5,149,130  Rp             4,863,067  Rp                    4,577,004  Rp              4,290,942  Rp                 4,004,879  Rp                     3,718,816  Rp                   3,479,463  Rp                 3,189,508  Rp                2,899,553  Rp                2,609,597  Rp             2,319,642  Rp               2,029,687  Rp                2,065,894  Rp                1,729,902  Rp                      1,384,121  Rp                  1,038,096  Rp                  692,064  Rp                      346,032
setiap 1 th kenaikan penjualan dan biaya variabel sebeser 3%
peyusutan mesin&peralatan mengunakan metode garis lurus
setiap 1 th kenaikan penjualan dan biaya variabel sebeser 3%
setiap 1 th kenaikan gaji pemimpin sebesar 12%
dan setiap staf naik 7% per tahun
60
Rate Jasa Pinjaman sesuai komposisi modal
Maka
Angsuran bulanan  Rp                                        5,000,000
Pokok sesuai laba yg diperoleh
Jasa pinjaman
Asumsi :
Suku bunga yang berlaku 20.00%
Rencana Pelaksanaan dana dari investor/kreditor :
Jumlah pinjaman
Masa pinjaman
Rate masa pinjaman
Maka

Pokok
Jasa Pinjaman
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