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PENETAPAN MARJIN KEUNTUNGAN DAN NISBAH BAGI HASIL PEMBIAYAAN

PENETAPAN MARJIN KEUNTUNGAN DAN NISBAH BAGI HASIL PEMBIAYAAN. 1. Referensi Marjin Keuntungan. Direct Competitor’s Market Rate (DCMR) Indirect Competitor’s Market Rate (ICMR) Expected Competitive Return for Investors (ECRI) Acquiring Cost Overhead Cost. DCMR. Acquiring Cost.

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PENETAPAN MARJIN KEUNTUNGAN DAN NISBAH BAGI HASIL PEMBIAYAAN

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  1. PENETAPAN MARJIN KEUNTUNGAN DAN NISBAH BAGI HASIL PEMBIAYAAN

  2. 1. ReferensiMarjinKeuntungan • Direct Competitor’s Market Rate (DCMR) • Indirect Competitor’s Market Rate (ICMR) • Expected Competitive Return for Investors (ECRI) • Acquiring Cost • Overhead Cost

  3. DCMR Acquiring Cost Referensimarjinkeutungan ICMR + = Overhead cost ECRI

  4. Refensimarjinkeuntungan Hargabeli (hargapokok) bank Hargajual + =

  5. 2. PenetapanHargaJual3. PengakuanAngsuranHargaJual • MetodeMarjinKeuntunganMenurun • MarjinKeuntungan Rata-rata • MarjinKeutunganFlat • MarjinKeuntunganAnnuitas.

  6. Hargabeli Marjin Hargajual Hargabeli Marjin Hargajual

  7. HargabeliMarjin Hargajual Hargajual HargabeliMarjin

  8. 4. PersyaratanuntukperhitunganMarjinKeuntungan • Jenisperhitunganmarjinkeuntungan. • Plafond PembiayaansesuaiJenis. • JangkaWaktuPembiayaan. • Tingkat MarjinKeuntunganPembiayaan. • Polatagihanataujatuh tempo tagihan.

  9. Contoh: • Nasabahdengan plafond PLFN = Rp.100,000,000.00 • Jangkawaktupembiayaan 1 tahun • Tingkat marjinkeuntungansetahun = 16% Makajadwalangsuranpembiayaanadalahsebagaiberikut: • Angsuranhargapokok per bulan, APPB = (PLFN / 12) = Rp.8,333,333.33 • Pencairan 05-03-2000 sejumlah Rp.100,000,000.00 Jadiuntukmenghitungangsuranke 2 maka APPB = Pokok = 8,333,333.33 ((PLFN – (No-1)*APPB))*MRJ)/12 = Marjinkeuntungan = ((100,000,000-((2-1)*8,333,333.33))*0.16)/12 = Rp. 1,222,222.22 Angsuran (2) Angsuran Hara Pokok= Rp.8,333,333.33 AngsuranMarjinKeuntungan= Rp.1,222,222.22 Rp.9,555,555.55 Angsuran (5) APPB = Pokok = 8,333,333.33 ((100,000,000-((5-1)*8,333,333.33))*0.16)/12 =Rp.888,888.88 AngsuranHargaPokok= Rp.8,333,333.33 AngsuranMarjinKeuangan= Rp. 888,888.88 Rp.9,222,222.21

  10. PenetapanNisbahBagiHasilPembiayaan • Referensitingkat (marjin) keuntungan. • Perkiraantingkatkeuntunganbisnis/proyek yang dibiayai. • Perkiraanpenjualan. • Lama Cash to cash cycle • Perkiraanbiaya-biayalangsung. • Perkiraanbiaya-biayatidaklangsung. • Delayed factor. Metodedalammenentukannisbahbagihasil • Penentuannisbahbagihasilkeuntungan. • Penentuannisbahbgaihasilpendapatan. • Pennetuannisbahbagihasilpenjualan.

  11. Perkiraan penjualan Cash to cash cycle Pokok Perkiraankeuntungan Referensi marjin keuntungan Delayed factor Perkiraan COGS Referensi marjin keuntungan Perkiraan OHC Nisbah bagi hasil bank = Perkiaan keuntungan Nisbah bagi hasil bank Nisbah bagi hasil bank = 100% - PENENTUAN NISBAH BAGI HASIL KEUNTUNGAN

  12. Perkiraan penjualan Pokok Perkiraankeuntungan Cash to cash cycle Referensi marjin keuntungan Delayed factor Referensimarjinkeuntungan Perkiraan COGS Nisbah bagi hasil bank = Perkiraankeuntungan Nisbah bagi hasil bank Nisbah bagi hasil bank = 100% - PENENTUAN NISBAH BAGI HASIL KEUNTUNGAN

  13. Perkiraan penjualan Pokok Perkiraankeuntungan Referensi marjin keuntungan Cash to cash cycle Delayed factor Referensi marjin keuntungan Perkiraanpendapatan Nisbahbagihasil bank = PerkiaanPenerimaanpenjualan Nisbah bagi hasil bank Nisbah bagi hasil bank = 100% - PENENTUAN NISBAH BAGI HASIL KEUNTUNGAN +

  14. PenentuanAngsuranPokok • Pembiayaanberjangkawaktudibawahsatutahun. • Pembiayaanberjnagkawaktudi atas satutahun

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