SlideShare ist ein Scribd-Unternehmen logo
1 von 23
Downloaden Sie, um offline zu lesen
MAIN MENU
                      FINANCIAL PROJECTION
       To Menu              OFFICE BUILDING
         Click
     APPENDIX-0    ASSUMPTION AND SUMMARY
     APPENDIX-01   BALANCE SHEET PROJECTION
     APPENDIX-02   CASH FLOW PROJECTION
     APPENDIX-03   PROFIT AND LOSS PROJCTION
     APPENDIX-04   INVESTMENT AND DEPRECIATION
     APPENDIX-05   INVESTMENT SCHEDULE
     APPENDIX-06   LOAN DISBURSEMENT AND STRUCTURE OF FUN SCHEDULE
     APPENDIX-07   ESTIMATED SALARY & WAGES EXPENSES
     APPENDIX-08   ESTIMATED ELECTRICITY EXPENSES
     APPENDIX-09   INTEREST DURING CONSTRUCTION & REPAYMENT SCHEDULE
     APPENDIX-10   FINANCIAL RATIO AND BREAK EVEN POINT
     APPENDIX-11   INTERNAL RATE OF RETURN
     APPENDIX-12   SENSITIVITY ANALYSIS




Bagian dari buku "Menggali Potensi Wirausaha" Penulis: Ir Harmaizar Zaharuddin
SCHEDULE


NT SCHEDULE




              Bagian dari buku "Menggali Potensi Wirausaha" Penulis: Ir Harmaizar Zaharuddin
MAIN MENU   APPENDIX-0                         Bagian dari buku "Menggali Potensi Wirausaha". Penulis Harmaizar Zaharuddin
            Proyeksi Keuangan Office Building.xls
            PT OFFICE BUILDING
            ASSUMPTION AND SUMMARY                                                                                                                                                                                                                                              IN 000 US$

            PROJECT COST :                                                LOAN PORTION (%) :                                   INTEREST :
            BANK LOAN :                                                   INVESTMENT 70.00%                                    LONG TERM LOAN                    8.00%         pa (Based on LIBOR + 2.00%)
            - INVESTMENT                             US$       19,179,743 EQUITY       30.00%                                  WORK CAPITAL                      8.00%         pa (Based on LIBOR + 2.00%)
            - I. D. C.                               US$          987,598                                                      I. D. C.                          7.63%
            EQUITY :
            - INVESTMENT                             US$        8,219,890                                                      ADVANCED DEPOSIT                      3        MONTH
              - MANAGEMENT FEE                       US$          191,797
            - COMMITMENT FEE                         US$          395,951                                                      CASH REQUIREMENT                      4        MONTH
                  TOTAL                              US$       28,974,979

                 TYPE RENTABLE AREA                        SEMI GROSS                              RENTAL/MONTH                SERV.CHG                        TOTAL                           TOTAL                           TYPE                            AREA (M2)
                                                             AREA                                    (US$/M2)                  (US$/M2)                       RENTAL/YEAR                     SERV.CHG/YEAR

                 GROUND FLOOR                                        1,389    M2                      16.00                        6.50                            266,642                         108,323                     GROSS AREA + CAR PARK 32,340 M2
                 FL-2 UPTO 4                                         3,509    M2                      13.50                        6.50                            568,526                         273,735
                 FL-5 UPTO 19                                       12,418    M2                      12.50                        6.50                          1,862,730                         968,620                     GROSS AREA                            20,824 M2
                 FL-20 UPTO 23                                       1,106    M2                      13.50                        6.50                            179,097                          86,232
                 PARKING                                               346    LOT                     25.00                                                        103,800                               0                     SEMI GROSS AREA                       18,422 M2
                 TOTAL (Excl. Park.)                                18,422    M2                                                                                 2,980,795                       1,436,910                     EFFICIENCY AREA                       88.47%

                 DESCRIPTION                                                                                   YEAR 0          YEAR 0           YEAR 1          YEAR 2         YEAR 3           YEAR 4          YEAR 5          YEAR 6          YEAR 7          YEAR 8           YEAR 9         YEAR 10

            MARK-UP RENTAL RATE                                        5.00%                                            0.00%           0.00%        100.00%         105.00%         110.25%         115.76%         121.55%         127.63%         134.01%         140.71%         147.75%         155.13%
            MARK-UP SERVICE CHARGE                                     2.50%                                            0.00%           0.00%        100.00%         102.50%         105.06%         107.69%         110.38%         113.14%         115.97%         118.87%         121.84%         124.89%
            MARK-UP OPERAT. EXPENSES                                   3.50%                                            0.00%           0.00%        100.00%         103.50%         107.12%         110.87%         114.75%         118.77%         122.93%         127.23%         131.68%         136.29%
            MARK-UP WAGES/SALARY                                       3.50%                                            0.00%           0.00%        100.00%         103.50%         107.12%         110.87%         114.75%         118.77%         122.93%         127.23%         131.68%         136.29%
            ----- --- ------ -------------- --------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
            OCCUPANCY RATE                                                                                                  0%              0%            75%             80%             85%             90%             95%             95%             95%             90%             90%             90%

            SUMMARY :

                 IRR ON CASH FLOW                                   16.41%                                    NET PRESENT VALUE (                    8.00% )       US$ =               2.00


                 REPAYMENT :              - LONG TERM LOAN                                                                                 0          1,000           1,500           2,000           2,250           2,500            3,000           1,683                0               0               0
                                          - SHORT TERM LOAN                                                                                               0               0               0               0               0                0               0                0               0               0

                 R. O. I.                                                                                                            0.00%           3.45%           4.77%           6.34%           8.14%          10.16%          12.23%           12.85%          11.54%          11.32%          11.11%
                 R. O. E.                                                                                                            0.00%           0.00%           2.41%           5.79%           8.85%          11.36%          12.79%           13.07%          11.57%          11.00%          10.50%
                 DEBT TO EQUITY                                                                                                    228.98%         229.75%         208.42%         176.27%         140.02%         103.74%          68.53%           49.04%          43.27%          38.80%          35.00%
                 DEBT TO ASSETS                                                                                                     69.60%          69.67%          67.58%          63.80%          58.34%          50.92%          40.66%           32.90%          30.20%          27.96%          25.92%
                 LEVERAGE                                                                                                          228.98%         207.09%         182.72%         150.31%         113.47%          76.14%          42.65%           14.47%          -6.80%         -24.58%         -39.24%
                 ACID TEST (LIQUIDITY)                                                                                               0.00%          76.26%          68.57%          63.92%          65.32%          66.53%         129.94%            0.00%           0.00%           0.00%           0.00%
YEAR 11          YEAR 12         YEAR 13         YEAR 14         YEAR 15        YEAR 16         YEAR 17         YEAR 18         YEAR 19         YEAR 20

     162.89%         171.03%         179.59%         188.56%         197.99%         207.89%         218.29%         229.20%         240.66%         252.70%
     128.01%         131.21%         134.49%         137.85%         141.30%         144.83%         148.45%         152.16%         155.97%         159.87%
     141.06%         146.00%         151.11%         156.40%         161.87%         167.53%         173.40%         179.47%         185.75%         192.25%
     141.06%         146.00%         151.11%         156.40%         161.87%         167.53%         173.40%         179.47%         185.75%         192.25%
--------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
          90%             90%             90%             90%             90%             90%             90%             90%             90%             90%




             0               0               0               0              0               0               0               0               0               0
             0               0               0               0              0               0               0               0               0               0

      12.18%          11.80%          11.45%          11.13%          10.85%          10.59%         10.35%          10.13%           9.93%           9.74%
      11.20%          10.59%          10.07%           9.62%           9.22%           8.87%          8.56%           8.29%           8.04%           7.82%
      31.33%          28.25%          25.62%          23.37%          21.41%          19.70%         18.20%          16.86%          15.67%          14.61%
      23.86%          22.02%          20.40%          18.94%          17.64%          16.46%         15.39%          14.43%          13.55%          12.75%
     -50.24%         -59.28%         -66.77%         -73.04%         -78.33%         -82.82%        -86.64%         -89.91%         -92.72%         -95.13%
       0.00%           0.00%           0.00%           0.00%           0.00%           0.00%          0.00%           0.00%           0.00%           0.00%
MAIN MENU    APPENDIX-05
             PT OFFICE BUILDING
             INVESTMENT SCHEDULE                                                                                                                                                        IN 000 US$

                                                                        COST              %                                                        FIRST YEAR
              NO                   ITEM WORK                                            TOTAL --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
                                                                        (US $)         PROJECT MONTH-0 MONTH-2 MONTH-4 MONTH-6 MONTH-8 MONTH-10 MONTH-12 MONTH-14 MONTH-16
               A    LAND :
               1    LAND COST                                                 5,000         17.26%            5,000
               2    LAND IMPROVEMENT COST                                        25          0.09%               25
                    TOTAL A                                                   5,025         17.34%            5,025                 0               0               0               0               0                0               0               0

               B    CONTRUCTION COST :
     4,392     1    CIVIL WORKS                                              4,392          15.16%              659             311              311             311             311             311             311             311              311
     4,576     2    ARCHITECTURE                                             4,576          15.79%              686             324              324             324             324             324             324             324              324
     4,629     3    MECH. & ELECTRICAL WORKS                                 4,629          15.97%              694             328              328             328             328             328             328             328              328
     5,903     4    SITE EXP. + INDIRECT COST                                5,903          20.37%              885             418              418             418             418             418             418             418              418
 19,499.63          TOTAL B                                                 19,500          67.30%            2,925           1,381            1,381           1,381           1,381           1,381           1,381           1,381            1,381

               C    VEHICLES                                                     325          1.12%               81              81                0               0               0

               D     PRE-OPERATING
     1,000     1     LICENSE & PERMITS                                          1,000           3.45%              500             200                                                                                              50              50
       250     2     TESTING                                                      250           0.86%                                                                                                                               42              42
       750     3     CONSULTANT FEE                                               750           2.59%              375              31              31              31              31              31              31              31              31
       250     4     OVERHEAD COST                                                250           0.86%                               21              21              21              21              21              21              21              21
       300     5     OTHERS                                                       300           1.04%                               25              25              25              25              25              25              25              25
                     TOTAL D                                                    2,550           8.80%              875             277              77              77              77              77              77             169             169
             ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
                     TOTAL BEFORE IDC                                         27,400          94.56%            8,906           1,740           1,458           1,458           1,458           1,458           1,458           1,550           1,550
             ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
                E       I. D. C.                                                  988           3.41%                                 0             16              30              44              58              73              88             103
                       MANAGEMENT FEE                                             192           0.66%                 0            192                0               0               0               0               0               0               0
                       COMMITMENT FEE                                             396           1.37%               29              45              42              40              37              35              32              29              27
                          GRAND TOTAL                                         28,975         100.00%            8,936           1,976           1,517           1,528           1,540           1,551           1,563           1,667           1,680
             ==== ========================== =========== ========= ========= ========= ========= ========= ========= ========= ========= ========= =========
                       BANK LOAN :
                       - INVESTMENT LOAN                                      19,180          70.00%            6,234           1,218           1,021           1,021           1,021           1,021           1,021           1,085           1,085
                       - I. D. C.                                                 988        100.00%                  0               0             16              30              44              58              73              88             103
                       TOTAL INVESTMENT LOAN                                  20,167                            6,234           1,218           1,037           1,051           1,065           1,079           1,094           1,173           1,188

                       EQUITY :
                       - INVESTMENT                                             8,220         30.00%            2,672              522             437             437             437             437             437             465             465
                       - MANAGEMENT FEE                                           192           1.00%                 0            192                0               0               0               0               0               0               0
                       - COMMITMENT FEE                                           396           1.00%               29              45              42              40              37              35              32              29              27
                       TOTAL EQUITY                                             8,808         30.00%            2,701              759             480             477             475             472             470             494             492
             ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
                                       TOTAL                                  28,975                            8,936           1,976           1,517           1,528           1,540           1,551           1,563           1,667           1,680
             * Portion of Fund based on Total Before IDC


                    LOAN PORTION (%) :
                     BANK LOAN                                                              69.60%          70.00%           70.00%          70.51%          71.00%          71.48%          71.97%           72.46%          72.93%          73.40%
                     EQUITY                                                                 30.40%          30.33%           43.61%          38.73%          36.85%          35.82%          35.16%           34.68%          34.28%          33.95%

                    ACCUMULATION :
                     BANK LOAN                                                                                6,234           1,218            2,255           3,306           4,371           5,450           6,544            7,716           8,905
                     EQUITY                                                                                   2,701             759            1,238           1,716           2,190           2,663           3,132            3,627           4,118
                                                                            28,975         100.00%             8,906           1,740            3,198           4,656           6,114           7,573           9,031          10,581          12,131




                                           Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
SECOND YEAR                                                    TOTAL +
--------------- --------------- --------------- --------------- PRV.SUM
MONTH-18 MONTH-20 MONTH-22 MONTH-24                                 0.00%
                                                                        0
                                                                    5,000                     0
                                                                       25                     0
              0               0               0              0      5,025                     0

                                                                           0                  0
          311             311             311           311            4,392                  0
          324             324             324           324            4,576                  0
          328             328             328           328            4,629                  0
          418             418             418           418            5,903                  0
        1,381           1,381           1,381          1,381          19,500                  0

                                           81             81              325                 0

                                                                                              0
            50              50              50              50          1,000                 0
            42              42              42              42            250                 0
            31              31              31              31            750                 0
            21              21              21              21            250                 0
            25              25              25              25            300                 0
           169             169             169            169           2,550                 0
--------------- --------------- --------------- --------------- ---------------
        1,550           1,550           1,631           1,631         27,400                  0
--------------- --------------- --------------- --------------- ---------------               0
           119             135             152            169                                 0
              0               0               0              0                                0
            24              21              18              16                                0
        1,693           1,707           1,801           1,816                                 0
========= ========= ========= ========= =========                                             0
                                                                                              0
        1,085           1,085           1,142          1,142                                  0
          119             135             152            169                                  0
        1,204           1,220           1,293          1,311                                  0


           465             465             489             489                                0
              0               0               0              0                                0
            24              21              18              16                                0
           489             486             508            505                                 0
--------------- --------------- --------------- --------------- ---------------               0
        1,693           1,707           1,801           1,816                                 0




                                                                                  Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
MAIN MENU   APPENDIX-01
            PT OFFICE BUILDING                 Proyeksi Keuangan Office Building.xls
            BALANCE SHEET PROJECTION                                                                                                                                                                     IN 000 US$

              DESCRIPTION                                         YEAR 0           YEAR 0        YEAR 1       YEAR 2       YEAR 3       YEAR 4       YEAR 5       YEAR 6       YEAR 7       YEAR 8        YEAR 9       YEAR 10      YEAR 11       YEAR 12

            ASSETS :
            CURRENT ASSETS :
              CASH                                                            0             0       1,144        1,371        1,438        1,633        1,996        2,187        3,998        7,424        11,060       14,844       18,649        22,615

            FIXED ASSETS :                                                                                                                                               0
               INVESTMENT                                             16,400           24,850      24,850       24,850       24,850       24,850       24,850       24,850       24,850       24,850        24,850        24,850       24,850        24,850
               ACCUMULATED DEPRECIATION                                    0                0      (1,007)      (2,015)      (3,022)      (4,030)      (5,037)      (6,045)      (7,052)      (8,060)       (9,067)      (10,075)     (11,050)      (12,025)
               NET FIXED ASSETS                                       16,400           24,850      23,842       22,835       21,827       20,820       19,812       18,805       17,797       16,790        15,782        14,775       13,800        12,825

            OTHER ASSETS
              PRE-OPERATION COST & IDC                                  2,212           4,125       4,125        4,125         4,125       4,125        4,125        4,125        4,125        4,125          4,125        4,125        4,125         4,125
              AMORTIZATION                                                  0               0        (413)        (825)       (1,238)     (1,650)      (2,063)      (2,475)      (2,888)      (3,300)        (3,713)      (4,125)      (4,125)       (4,125)
              NET OTHER ASSETS                                          2,212           4,125       3,713        3,300         2,888       2,475        2,063        1,650        1,238          825            413            0            0             0

            TOTAL ASSETS                                              18,612           28,975      28,699       27,506       26,153       24,928       23,871       22,642       23,033       25,038        27,255       29,619       32,448        35,440


            LIABILITIES & SHARE HOLDERS' EQUITY
            CURRENT LIABILITIES
               ADVANCE DEPOSIT                                                                        828          921        1,019        1,125        1,237        1,290        1,344        1,328         1,385        1,444        1,506         1,571
               WORKING CAPITAL LOAN                                                                     0            0            0            0            0            0            0            0             0            0            0             0
               LONG TERM LOAN - CURRENT MATURITY                               0        1,000       1,500        2,000        2,250        2,500        3,000        1,683            0            0             0            0            0             0
            TOTAL CURRENT LIABILITIES                                                   1,000       2,328        2,921        3,269        3,625        4,237        2,973        1,344        1,328         1,385        1,444        1,506         1,571

            BANK LOAN                                                 12,778           19,167      17,667       15,667       13,417       10,917        7,917        6,234        6,234        6,234         6,234        6,234        6,234         6,234

            SHARE HOLDERS' EQUITY
              EQUITY                                                    5,833           8,808       8,808        8,808        8,808        8,808        8,808        8,808        8,808        8,808         8,808        8,808        8,808         8,808
               S. B. L. C.                                                   0               0           0            0            0            0            0            0            0            0             0            0            0             0
              RETAINED EARNING                                              0               0        (104)         111          659        1,578        2,909        4,627        6,647        8,668        10,828       13,132       15,900        18,827
            TOTAL SHARE HOLDERS' EQUITY                                 5,833           8,808       8,703        8,918        9,467       10,386       11,716       13,435       15,454       17,476        19,636       21,940       24,708        27,635

            TOTAL LIABILITIES & SHARE HOLDERS' EQUITY                 18,612           28,975      28,699       27,506       26,153       24,928       23,871       22,642       23,033       25,038        27,255       29,619       32,448        35,440
                                                                           0                0           0            0            0            0            0            0            0            0             0            0            0             0

MAIN MENU   APPENDIX-02
            PT OFFICE BUILDING
            CASH FLOW PROJECTION                                                                                                                                                                         IN 000 US$

              DESCRIPTION                                         YEAR 0           YEAR 0        YEAR 1       YEAR 2       YEAR 3       YEAR 4       YEAR 5       YEAR 6       YEAR 7       YEAR 8        YEAR 9       YEAR 10      YEAR 11       YEAR 12

            CASH IN-FLOWS FROM OPERATION                                      0             0       4,142        3,774        4,175        4,604        5,061        5,211        5,433        5,296          5,596        5,836        6,087         6,350
              - RENTAL REVENUE                                                0             0       3,313        3,682        4,077        4,498        4,949        5,159        5,378        5,312          5,539        5,777        6,025         6,285
              - ADVANCED DEPOSITS - BEGINNING                                                                     (828)        (921)      (1,019)      (1,125)      (1,237)      (1,290)      (1,344)        (1,328)      (1,385)      (1,444)       (1,506)
                                   - ENDING                                                          828           921        1,019        1,125        1,237        1,290        1,344        1,328          1,385        1,444        1,506         1,571

            CASH OUT-FLOWS FROM OPERATION                                     0             0        903          950           999        1,050        1,104         969          998         1,004         1,034        1,065        1,096         1,129
              SALARIES EXPENSES                                               0             0        361          373           386          400          414         428          443           459           475          492          509           527
              ELECTRICITY EXPENSES                                            0             0        151          167           183          201          219         227          235           231           239          247          256           265
              MAINTENANCE EXPENSES                                            0             0        107          116           126          135          145         147          148           141           142          142          141           140
              MARKETING/PROMOTION                                             0             0        179          188           198          208          220          61           66            68            73           79           85            92
              INSURANCE PREMIUM                                               0             0         31           31            31           31           31          31           31            31            31           31           31            31
              OTHERS                                                          0             0         75           75            75           75           75          75           75            75            75           75           75            75

            NET CASH INFLOW (OUTFLOW) FROM OPERATION                          0             0       3,239        2,824        3,176        3,553        3,958        4,242        4,434        4,292         4,562        4,771        4,991         5,221

            OTHER IN-FLOWS                                            18,390            9,598             0            0            0            0            0            0            0            0             0           0              0           0
              EQUITY                                                   5,833            2,974             0            0            0            0            0            0            0            0             0           0              0           0
              S. B. L. C.                                                  0                0             0            0            0            0            0            0            0            0             0           0              0           0
              BANK LOAN                                               12,556            6,624             0            0            0            0            0            0            0            0             0           0              0           0

                                                                                   Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
WORKING CAPITAL                                        0             0            0            0            0            0            0            0            0            0             0         0              0         0

            OTHER OUT-FLOWS                                   18,390          9,598             0        92           235         394          570          736          865          866            926          988      1,186         1,254
              LAND & LAND IMPROVEMENT COST                     5,025              0             0         0             0           0            0            0            0            0              0            0          0             0
              CIVIL WORKS                                      2,525          1,867             0         0             0           0            0            0            0            0              0            0          0             0
              ARCHITECTURE                                     2,631          1,945             0         0             0           0            0            0            0            0              0            0          0             0
              MECH. & ELECTRICAL WORKS                         2,661          1,967             0         0             0           0            0            0            0            0              0            0          0             0
              SITE EXP. + INDIRECT COST                        3,394          2,509             0         0             0           0            0            0            0            0              0            0          0             0
              VEHICLES                                           163            163             0         0             0           0            0            0            0            0              0            0          0             0
              PRE-OPERATING & MANAG., COMMIT. FEE              1,990          1,148             0         0             0           0            0            0            0            0              0            0          0             0
              INCOME TAX                                           0              0             0        92           235         394          570          736          865          866            926          988      1,186         1,254
              DIVIDEND                                             0              0             0         0             0           0            0            0            0            0              0            0          0             0

            CASH AVAILABLE                                           0             0      3,239        2,732        2,941        3,159        3,388        3,506        3,569        3,425         3,637        3,784      3,805         3,967

            TOTAL DEBT SERVICES :                                    0             0      2,095        2,505        2,875        2,965        3,025        3,315        1,758              0             0         0              0         0
              INTEREST EXPENSE         - BANK LOAN                   0             0      1,095        1,005          875          715          525          315           75              0             0         0              0         0
                                       - WORKING CAP.                                         0            0            0            0            0            0            0              0             0         0              0         0
              REPAYMENT -: BANK LOAN                                 0             0      1,000        1,500        2,000        2,250        2,500        3,000        1,683              0             0         0              0         0
                        - WORKING CAPITAL LOAN                        0            0          0            0            0            0            0            0            0              0             0         0              0         0


            CASH BALANCE (BEGINNING)                                               0            0      1,144        1,371        1,438        1,633        1,996        2,187        3,998         7,424       11,060     14,844        18,649

            CASH BALANCE (ENDING)                                    0             0      1,144        1,371        1,438        1,633        1,996        2,187        3,998        7,424        11,060       14,844     18,649        22,615

            CASH ICREASE OR DECREASE                                 0             0      1,144         227           67          195          363          191         1,811        3,425         3,637        3,784      3,805         3,967




MAIN MENU   APPENDIX-03
            PT OFFICE BUILDING
            PROFIT AND LOSS PROJECTION                                                                                                                                                         IN 000 US$

              DESCRIPTION                                   YEAR 0        YEAR 0       YEAR 1       YEAR 2       YEAR 3       YEAR 4       YEAR 5       YEAR 6       YEAR 7       YEAR 8        YEAR 9       YEAR 10    YEAR 11       YEAR 12

            REVENUE :
              - RENTAL REVENUE                                                            2,236        2,504        2,793        3,106        3,442        3,614        3,795        3,775         3,964        4,162      4,370         4,588
              - SERVICE CHARGE                                                            1,078        1,178        1,283        1,393        1,507        1,544        1,583        1,537         1,576        1,615      1,655         1,697
                                                                                          3,313        3,682        4,077        4,498        4,949        5,159        5,378        5,312         5,539        5,777      6,025         6,285
            EXPENSES :
            OPERATING EXPENSES :
              SALARIES EXPENSES                                                            361          373           386         400          414          428          443          459            475          492        509           527
              ELECTRICITY EXPENSES                                                         151          167           183         201          219          227          235          231            239          247        256           265
              MAINTENANCE EXPENSES                                                         107          116           126         135          145          147          148          141            142          142        141           140
              MARKETING/PROMOTION                                                          179          188           198         208          220           61           66           68             73           79         85            92
              INSURANCE PREMIUM                                                             31           31            31          31           31           31           31           31             31           31         31            31
              OTHERS                                                                        75           75            75          75           75           75           75           75             75           75         75            75

            DEPRECIATION                                                                  1,007        1,007        1,007        1,007        1,007        1,007        1,007        1,007         1,007        1,007        975           975
            AMORTIZATION                                                                    413          413          413          413          413          413          413          413           413          413          0             0
            TOTAL OPERATING EXPENSES                                                      2,323        2,370        2,419        2,470        2,524        2,389        2,418        2,424         2,454        2,485      2,071         2,104

            OPERATING INCOME                                                               990         1,312        1,658        2,028        2,425        2,770        2,960        2,888         3,085        3,292      3,954         4,181

            INTEREST EXPENSE
                          - BANK LOAN                                                     1,095        1,005          875          715          525          315           75            0             0            0          0             0
                          - WORKING CAPITAL                                                   0            0            0            0            0            0            0            0             0            0          0             0
            EARNING BEFORE TAX                                       0             0       (104)         308          783        1,313        1,901        2,455        2,885        2,888         3,085        3,292      3,954         4,181

            INCOME TAX                      30%                                              0           92           235         394           570          736          865          866           926          988      1,186         1,254
            NET PROFIT/LOSS                                          0             0      (104)         215           548         919         1,330        1,718        2,019        2,022         2,160        2,304      2,768         2,927

            DIVIDEND                                    0            0             0         0            0               0         0            0            0            0            0             0            0          0             0


                                                                          Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
RETAINED EARNING                                           0               0          (104)            111             659           1,578           2,909           4,627           6,647           8,668         10,828          13,132          15,900          18,827


MAIN MENU   APPENDIX-04
            PT OFFICE BUILDING
            INVESTMENT, RE-INVESTMENT, DEPRECIATION AND AMORTIZATION SCHEDULE                                                                                                                                              IN 000 US$

              DESCRIPTION                     TOTAL        YEAR 0          YEAR 0          YEAR 1          YEAR 2          YEAR 3          YEAR 4          YEAR 5          YEAR 6          YEAR 7          YEAR 8           YEAR 9         YEAR 10         YEAR 11         YEAR 12

            FIXED ASSETS :
               LAND & LAND IMPROVEMENT COST       5,025          5,025                0
               CIVIL WORKS                        4,392          2,525            1,867
               ARCHITECTURE                       4,576          2,631            1,945
               MECH. & ELECTRICAL WORKS           4,629          2,661            1,967
               SITE EXP. + INDIRECT COST          5,903          3,394            2,509
               VEHICLES                             325            163              163
            TOTAL FIXED ASSETS                   24,850         16,400            8,450                0               0               0               0               0               0               0               0               0               0               0               0

            OTHER ASSETS :
              PRE-OPERATING                       2,550          1,538           1,013
              INTEREST DURING CONSTRUCTION          988            222             766
              MANAGEMENT & COMMITMENT FEE           588            452             135
            TOTAL OTHER ASSETS                    4,125          2,212           1,914                 0               0               0               0               0               0               0               0               0               0               0               0

            TOTAL INVESTMENT                     28,975        18,612          10,363                  0               0               0               0               0               0               0               0               0               0               0               0
                                                  RATE
            DEPRECIATION :
              CIVIL WORKS                        5.00%                                              220             220             220             220             220             220             220             220             220             220             220             220
              ARCHITECTURE                       5.00%                                              229             229             229             229             229             229             229             229             229             229             229             229
              MECH. & ELECTRICAL WORKS           5.00%                                              231             231             231             231             231             231             231             231             231             231             231             231
              SITE EXP. + INDIRECT COST          5.00%                                              295             295             295             295             295             295             295             295             295             295             295             295
              VEHICLES                          10.00%                                                33              33              33              33              33              33              33              33              33              33               0               0
                                                          --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
            TOTAL DEPRECIATION                                         0               0          1,007           1,007           1,007           1,007           1,007           1,007           1,007           1,007           1,007           1,007             975             975

            AMORTIZATION :                      10.00%                 0                           413             413             413             413             413             413             413             413              413             413

            MAINTENANCE :
              CIVIL WORKS                         1.00%                                         32.94           36.37           39.99           43.83           47.88           49.55           51.29           50.29           52.05           53.87           55.76           57.71
              ARCHITECTURE                        1.00%                                         34.32           37.89           41.67           45.66           49.88           51.63           53.44           52.40           54.23           56.13           58.09           60.13
              MECH. & ELECTRICAL WORKS            1.00%                                         34.71           38.32           42.15           46.19           50.46           52.22           54.05           53.00           54.85           56.77           58.76           60.82
              VEHICLES                            2.00%                                          4.88            5.38            5.92            6.49            7.09            7.33            7.59            7.44            7.70            7.97            8.25            8.54
            TOTAL MAINTENANCE                                     0.00            0.00         106.85          117.96          129.72          142.16          155.31          160.74          166.37          163.13          168.84          174.75          180.87          187.20

MAIN MENU   APPENDIX-06
            PT OFFICE BUILDING
            LOAN DISBURSEMENT, REPAYMENT AND STRUCTURE OF FUNDS SCHEDULE                                                                                                                                                   IN 000 US$

              DESCRIPTION                     TOTAL        YEAR 0          YEAR 0          YEAR 1          YEAR 2          YEAR 3          YEAR 4          YEAR 5          YEAR 6          YEAR 7          YEAR 8           YEAR 9         YEAR 10         YEAR 11         YEAR 12

            EQUITY :
              - INVESTMENT                        8,808          5,833           2,974
              - S. B. L. C.
              - WORKING CAPITAL                       0
            LOAN :
              LONG TERM LOAN :                   20,167        12,778            7,389                 0               0               0               0               0               0               0               0               0               0               0               0
              - BANK LOAN                        19,180        12,556            6,624
                 I. D. C.                           988           222              766

              SHORT TERM LOAN                         0
            REPAYMENT :
              - BANK LOAN                        13,933                0               0         1,000           1,500           2,000           2,250           2,500           3,000           1,683                 0               0               0               0               0
              - SHORT TERM LOAN                       0                0              0               0               0               0               0               0              0                0                                0                                               0
            BALANCE :
              - BANK LOAN                       204,980        12,778          20,167          19,167          17,667          15,667          13,417          10,917            7,917           6,234           6,234           6,234           6,234           6,234           6,234
              - SHORT TERM LOAN                       0             0               0               0               0               0               0               0                0               0               0               0               0               0               0

                                                                           Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
INTEREST EXPENSE :
               - BANK LOAN                        4,602                      1,095    1,005      875      715      525      315       75        0        0        0
               - SHORT TERM LOAN                      0                          0        0        0        0        0        0        0        0        0        0        0        0
            == = ======== = ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ========
               ESTIMSTED WORKING CAPITAL :

              CASH OUT-FLOWS FROM OPERATION                             0             0       301         317          333        350         368         323         333         335         345          355          365          376
              INTEREST EXPENSE           0                              0             0       365         335          292        238         175         105          25           0           0            0            0            0

              - ADVANCED DEPOSITS      - BEGINNING                      0             0         0         (828)       (921)     (1,019)     (1,125)     (1,237)     (1,290)     (1,344)     (1,328)      (1,385)      (1,444)      (1,506)
                                       - ENDING                         0             0       828          921       1,019       1,125       1,237       1,290       1,344       1,328       1,385        1,444        1,506        1,571

              WORKING CAPITAL NEEDED                                    0             0       (162)       559          526        483         430         375         303         351         288          296          303          311
              INCREASE (DECREASE) OF WORKING CAP.         0              0            0       (162)       722          (33)       (43)        (53)        (55)        (73)         48         (63)           8            8            8

MAIN MENU   APPENDIX-08
            PT OFFICE BUILDING
            ESTIMATED ELECTRICITY EXPENSES

               0                                               YEAR 0        YEAR 0       YEAR 1      YEAR 2      YEAR 3      YEAR 4      YEAR 5      YEAR 6      YEAR 7      YEAR 8      YEAR 9      YEAR 10      YEAR 11      YEAR 12

            A. AT 07.00 - 17.00 (10 WORKING HOURS):
               A. AVILABLE CAPACITY (KVA)             2,000
               B. CAPACITY IN USED
                 - (%)                                   70%
                 - (KVA)                              1,400
               C. AVG. FUEL USED (L/H/KVA)            0.25
               D. FUEL COST (Rp/L)                     380                                     380         393         407         421         436         451         467         483         500         518          536          555
               E. OCCUPANCY RATE                                                            75.00%      80.00%      85.00%      90.00%      95.00%      95.00%      95.00%      90.00%      90.00%      90.00%       90.00%       90.00%
               F. TOTAL WORKING HOURS/YEAR            3,000
               G. ELECTRICITY EXPENSES
                 - IN THOUSAND OF Rp 000                                                   299,250     330,372     363,306     398,141     434,969     450,192     465,949     456,875     472,866     489,416      506,546      524,275
                 - IN US$ 000            1 US$ = Rp   2,350                                    127         141         155         169         185         192         198         194         201         208          216          223

            B. AT 17.00-21.00 (4 WOKING HOURS):
               A. AVILABLE CAPACITY (KVA)             2,000
               B. CAPACITY IN USED
                 - (%)                                   20%
                 - (KVA)                                400
               C. AVG. FUEL USED (L/H/KVA)            0.25
               D. FUEL COST (Rp/L)                     380                                     380         393         407         421         436         451         467         483         500         518          536          555
               E. OCCUPANCY RATE                                                            75.00%      80.00%      85.00%      90.00%      95.00%      95.00%      95.00%      90.00%      90.00%      90.00%       90.00%       90.00%
               F. TOTAL WORKING HOURS/YEAR            1,200
               G. ELECTRICITY EXPENSES
                 - IN THOUSAND OF Rp 000                                                    34,200      37,757      41,521      45,502      49,711      51,451      53,251      52,214      54,042      55,933       57,891       59,917
                 - IN US$ 000           1 US$ = Rp    2,350                                     15          16          18          19          21          22          23          22          23          24           25           25

            C. AT 21.00-07.00 (10 WORKING HOURS)
               A. AVILABLE CAPACITY (KVA)             2,000
               B. CAPACITY IN USED
                 - (%)                                    5%
                 - (KVA)                                100
               C. AVG. FUEL USED (L/H/KVA)            0.25
               D. FUEL COST (Rp/L)                     380                                     380         393         407         421         436         451         467         483         500         518          536          555
               E. OCCUPANCY RATE                                                            75.00%      80.00%      85.00%      90.00%      95.00%      95.00%      95.00%      90.00%      90.00%      90.00%       90.00%       90.00%
               F. TOTAL WORKING HOURS/YEAR            3,000
               G. ELECTRICITY EXPENSES
                 - IN THOUSAND OF Rp 000                                                    21,375      23,598      25,950      28,439      31,069      32,157      33,282      32,634      33,776      34,958       36,182       37,448
                 - IN US$ 000           1 US$ = Rp    2,350                                      9          10          11          12          13          14          14          14          14          15           15           16

              TOTAL ELECTRICITY EXPENSE
              - THOUSAND OF Rp 000                                                         354,825     391,727     430,777     472,081     515,748     533,800     552,483     541,724     560,684     580,308      600,619      621,641
              - IN US$ 000          1 US$ = Rp        2,350                                    151         167         183         201         219         227         235         231         239         247          256          265


MAIN MENU   APPENDIX-07

                                                                             Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
PT OFFICE BUILDING
            ESTIMATED SALARY & WAGES EXPENSES                                                          IN US$

               DESCRIPTION                              TOTAL SALARY/M SALARY/             SALARY/     VEHICLE       TOTAL
                                                      EMPLOYES PERSON MONTH                YEAR *)     US$/UNIT

            1. PRESIDENT DIRECTOR                            1       3,000        3,000      39,000       50,000      50,000
               BUILDING MANAGER                              1       2,000        2,000      26,000       40,000      40,000

            2. HOUSE KEEPING MANAGER                         1       1,250        1,250      16,250       30,000      30,000
               ASSISTANT BUILDING MANAGER                    1         750          750       9,750       20,000      20,000
               MAINTENANCE/CLEANING SERVICE                 30         125        3,750      48,750
               ENGINEERING                                   7         250        1,750      22,750
               GARDENING                                     4         125          500       6,500
               CAR CALL                                      2         125          250       3,250
               POSTEL SERVICES                               2         125          250       3,250

            3. ACCOUNTING & FINANCE MANAGER                  1       1,250        1,250      16,250       30,000      30,000
               ASSISTANT ACC. & FIN. MANAGER                 1         750          750       9,750       20,000      20,000
               CASHIERS                                      1         200          200       2,600
               COST CONTROL                                  2         350          700       9,100
               PURCHASING                                    1         350          350       4,550

            4. SECRETARY                                     1        300          300        3,900
               ADMINISTRTION                                 2        300          600        7,800

            5. GEN, AFFAIR & PERSONNEL MANAGER                1      1,250       1,250       16,250       30,000      30,000
               HRD STAFF                                      2        300         600        7,800
               SECURITY                                      20        150       3,000       39,000
               DRIVERS                                        2        150         300        3,900       15,000      30,000
               TOTAL                                        83                  22,800      296,400

            6. MARKETING & SALES MANAGER **)                 1       2,500        2,500      32,500       30,000      30,000
               ASSISTANT MARKETING MANAGER                   1       1,500        1,500      19,500       15,000      15,000
               MARKETING EXECUTIVE                           2         476          952      12,376       15,000      30,000
                                                             4                    4,952      64,376                  325,000

            *) Including THR Expenses
            **) Replacing Marketing Agancy Role in year-5

MAIN MENU   APPENDIX-10
            PT OFFICE BUILDING
            FINANCIAL RATIO AND BREAK EVEN POINT                                                                                                                                             IN 000 US$

               DESCRIPTION                                        YEAR 0      YEAR 0       YEAR 1       YEAR 2      YEAR 3       YEAR 4      YEAR 5      YEAR 6      YEAR 7      YEAR 8       YEAR 9       YEAR 10      YEAR 11      YEAR 12

            PAY BACK PERIOD
               - INVESTMENT                                        (18,612)     (28,975)    (28,975)     (28,975)     (28,975)    (28,975)    (28,975)    (28,975)    (28,975)    (28,975)      (28,975)     (28,975)     (28,975)     (28,975)
               - RETAINED EARNING                                        0            0        (104)         111          659       1,578       2,909       4,627       6,647       8,668        10,828       13,132       15,900       18,827
               - ACCUMULATED DIVIDEND                                    0            0           0            0            0           0           0           0           0           0             0            0            0            0
               - INTEREST EXPENSE                                        0            0       1,095        2,099        2,974       3,689       4,213       4,528       4,602       4,602         4,602        4,602        4,602        4,602
               - DEPRECIATION & AMORTIZATION                             0            0       1,420        2,840        4,260       5,680       7,100       8,520       9,940      11,360        12,780       14,200       15,175       16,150
            (PROFIT + AMORTIZ. + DEPRECT.) - INVESTMENT            (18,612)     (28,975)    (26,565)     (23,925)     (21,082)    (18,028)    (14,753)    (11,300)     (7,786)     (4,344)         (764)       2,960        6,703       10,605

            ACID TEST (LIQUIDITY) : - CURRENT ASSETS                     0           0        1,144        1,371       1,438        1,633       1,996       2,187       3,998       7,424       11,060       14,844       18,649       22,615
                                    - CURRENT LIABILITIES                0       1,000        1,500        2,000       2,250        2,500       3,000       1,683           0           0            0            0            0            0
            (CURRENT ASSETS : CURRENT LIABILITIES) x 100%            0.00%       0.00%       76.26%       68.57%      63.92%       65.32%      66.53%     129.94%       0.00%       0.00%        0.00%        0.00%        0.00%        0.00%

            PROFIT MARGIN : - NET PROFIT                                0            0         (104)         215         548          919       1,330       1,718       2,019       2,022        2,160        2,304        2,768        2,927
                             - SALES                                    0            0        3,313        3,682       4,077        4,498       4,949       5,159       5,378       5,312        5,539        5,777        6,025        6,285
            (NET PROFIT : SALES) x 100 %                               0%           0%           0%           6%         13%          20%         27%         33%         38%         38%          39%          40%          46%          47%

            R. O. I :     - OPERATING INCOME                             0           0          990        1,312       1,658        2,028       2,425       2,770       2,960       2,888        3,085        3,292        3,954        4,181
                          - TOTAL ASSETS                            18,612      28,975       28,699       27,506      26,153       24,928      23,871      22,642      23,033      25,038       27,255       29,619       32,448       35,440
            (OPERATING INCOME : TOTAL ASSETS) x 100 %                0.00%       0.00%        3.45%        4.77%       6.34%        8.14%      10.16%      12.23%      12.85%      11.54%       11.32%       11.11%       12.18%       11.80%


                                                                              Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
R. O. E. :     - NET PROFIT                            0           0        (104)       215        548        919      1,330      1,718    2,019    2,022    2,160    2,304    2,768    2,927
               - SHARE HOLDERS' EQUITY             5,833       8,808       8,703      8,918      9,467     10,386     11,716     13,435   15,454   17,476   19,636   21,940   24,708   27,635
(NET PROFIT : EQUITY) x 100 %                      0.00%       0.00%       0.00%      2.41%      5.79%      8.85%     11.36%     12.79%   13.07%   11.57%   11.00%   10.50%   11.20%   10.59%

DEBT TO EQ. :   - TOTAL LIABILITIES                12,778     20,167     19,996      18,588     16,686     14,542     12,155      9,207    7,579    7,562    7,619    7,679    7,741    7,806
                - SHARE HOLDERS' EQUITY             5,833      8,808      8,703       8,918      9,467     10,386     11,716     13,435   15,454   17,476   19,636   21,940   24,708   27,635
(TOTAL LIABILITIES : EQUITY) x 100 %                0.00%    228.98%    229.75%     208.42%    176.27%    140.02%    103.74%     68.53%   49.04%   43.27%   38.80%   35.00%   31.33%   28.25%

DEBT TO ASSETS - TOTAL LIABILITIES                 12,778     20,167     19,996      18,588     16,686     14,542     12,155      9,207    7,579    7,562    7,619    7,679    7,741    7,806
                 - TOTAL ASSETS                    18,612     28,975     28,699      27,506     26,153     24,928     23,871     22,642   23,033   25,038   27,255   29,619   32,448   35,440
(TOTAL LIABILITIES : TOTAL ASSETS) x 100 %          0.00%     69.60%     69.67%      67.58%     63.80%     58.34%     50.92%     40.66%   32.90%   30.20%   27.96%   25.92%   23.86%   22.02%

   BREAK EVEN POINT                   FORMULA

   TOTAL REVENUE                          A                               3,313       3,682      4,077      4,498      4,949      5,159    5,378    5,312    5,539    5,777    6,025    6,285
   TOTAL VARIABEL COST                    B                                 452         475        499        525        552        485      499      502      517      532      548      564
   CONTRIBUTION MARGIN                    C                               2,862       3,207      3,577      3,973      4,397      4,674    4,879    4,810    5,022    5,244    5,477    5,721
   FIXED COST                             D                               2,966       2,992      3,029      3,054      3,067      2,956    2,859    2,788    2,863    2,940    2,709    2,794
   BREAK EVEN POINT (% RENTABLE)       D/(A-B)                          103.65%      93.29%     84.68%     76.86%     69.74%     63.23%   58.61%   57.97%   57.00%   56.06%   49.47%   48.84%
   BREAK EVEN POINT (M2)               D/(A-B)                           14,321      13,748     13,259     12,743     12,206     11,067   10,257    9,611    9,450    9,295    8,202    8,097
   BREAK EVEN POINT ( US$)            D/(1-(B/A)                          3,434       3,435      3,452      3,457      3,451      3,262    3,152    3,079    3,157    3,238    2,981    3,070




                                                            Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
YEAR 13      YEAR 14      YEAR 15      YEAR 16       YEAR 17      YEAR 18       YEAR 19      YEAR 20



  26,752       31,067       35,570       40,269        45,174       50,295        55,644       61,232


   24,850       24,850       24,850       24,850        24,850       24,850        24,850       24,850
  (13,000)     (13,975)     (14,950)     (15,925)      (16,900)     (17,875)      (18,850)     (19,825)
   11,850       10,875        9,900        8,925         7,950        6,975         6,000        5,025


    4,125        4,125        4,125        4,125         4,125        4,125         4,125        4,125
   (4,125)      (4,125)      (4,125)      (4,125)       (4,125)      (4,125)       (4,125)      (4,125)
        0            0            0            0             0            0             0            0

  38,602       41,942       45,470       49,194        53,124       57,270        61,644       66,257




   1,639        1,710        1,785        1,863         1,944        2,029         2,118        2,212
       0            0            0            0             0            0             0            0
       0            0            0            0             0            0             0            0
   1,639        1,710        1,785        1,863         1,944        2,029         2,118        2,212

   6,234        6,234        6,234        6,234         6,234        6,234         6,234        6,234


   8,808        8,808        8,808        8,808         8,808        8,808         8,808        8,808
        0            0            0            0             0            0             0            0
  21,921       25,190       28,643       32,289        36,138       40,199        44,484       49,004
  30,729       33,998       37,451       41,097        44,945       49,007        53,292       57,811

  38,602       41,942       45,470       49,194        53,124       57,270        61,644       66,257
       0            0            0            0             0            0             0            0




YEAR 13      YEAR 14      YEAR 15      YEAR 16       YEAR 17      YEAR 18       YEAR 19      YEAR 20

    6,625        6,912        7,213        7,528         7,857        8,202         8,562        8,940
    6,557        6,841        7,139        7,450         7,776        8,117         8,473        8,846
   (1,571)      (1,639)      (1,710)      (1,785)       (1,863)      (1,944)       (2,029)      (2,118)
    1,639        1,710        1,785        1,863         1,944        2,029         2,118        2,212

   1,162        1,196        1,231        1,267         1,303        1,340         1,377        1,415
     545          564          584          604           626          647           670          694
     274          283          293          304           314          325           337          348
     139          136          133          128           123          116           107           98
      99          107          116          125           135          146           157          170
      31           31           31           31            31           31            31           31
      75           75           75           75            75           75            75           75

   5,463        5,716        5,982        6,261         6,555        6,862         7,185        7,525

        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

                                                                                       Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
0          0          0              0         0              0          0          0

   1,326      1,401      1,480      1,563         1,649      1,741         1,836      1,937
       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
   1,326      1,401      1,480      1,563         1,649      1,741         1,836      1,937
       0          0          0          0             0          0             0          0

   4,137      4,315      4,502      4,699         4,905      5,122         5,349      5,588

      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


  22,615     26,752     31,067     35,570        40,269     45,174        50,295     55,644

  26,752     31,067     35,570     40,269        45,174     50,295        55,644     61,232

   4,137      4,315      4,502      4,699         4,905      5,122         5,349      5,588




YEAR 13    YEAR 14    YEAR 15    YEAR 16       YEAR 17    YEAR 18       YEAR 19    YEAR 20


   4,818      5,059      5,312      5,577         5,856      6,149         6,456      6,779
   1,739      1,783      1,827      1,873         1,920      1,968         2,017      2,067
   6,557      6,841      7,139      7,450         7,776      8,117         8,473      8,846


     545        564        584        604           626        647           670        694
     274        283        293        304           314        325           337        348
     139        136        133        128           123        116           107         98
      99        107        116        125           135        146           157        170
      31         31         31         31            31         31            31         31
      75         75         75         75            75         75            75         75

     975        975        975        975           975        975           975        975
       0          0          0          0             0          0             0          0
   2,137      2,171      2,206      2,242         2,278      2,315         2,352      2,390

   4,420      4,670      4,933      5,209         5,498      5,802         6,121      6,456

       0          0          0          0             0          0             0          0
       0          0          0          0             0          0             0          0
   4,420      4,670      4,933      5,209         5,498      5,802         6,121      6,456

   1,326      1,401      1,480      1,563         1,649      1,741         1,836      1,937
   3,094      3,269      3,453      3,646         3,849      4,061         4,285      4,519

      0          0          0          0             0          0             0          0


                                                                              Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
21,921          25,190          28,643          32,289          36,138          40,199          44,484          49,004




YEAR 13          YEAR 14         YEAR 15         YEAR 16         YEAR 17         YEAR 18         YEAR 19         YEAR 20




             0               0               0               0               0               0               0               0




             0               0               0               0               0               0               0               0

             0               0               0               0               0               0               0               0


          220             220             220             220             220             220             220             220
          229             229             229             229             229             229             229             229
          231             231             231             231             231             231             231             231
          295             295             295             295             295             295             295             295
             0               0               0               0               0               0               0               0
--------------- --------------- --------------- --------------- --------------- --------------- --------------- ---------------
          975             975             975             975             975             975             975             975




      59.73           61.82           63.98           66.22           68.54           70.94           73.42           75.99
      62.23           64.41           66.66           69.00           71.41           73.91           76.50           79.18
      62.95           65.15           67.43           69.79           72.23           74.76           77.38           80.09
       8.84            9.15            9.47            9.80           10.14           10.50           10.87           11.25
     193.75          200.53          207.55          214.81          222.33          230.11          238.16          246.50




YEAR 13          YEAR 14         YEAR 15         YEAR 16         YEAR 17         YEAR 18         YEAR 19         YEAR 20




             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

       6,234           6,234           6,234           6,234           6,234           6,234           6,234           6,234
           0               0               0               0               0               0               0               0

                                                                                                           Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
0        0        0        0        0        0        0        0
======== ======== ======== ======== ======== ======== ======== ========


     387          399          410          422          434          447          459          472
       0            0            0            0            0            0            0            0         0

   (1,571)      (1,639)      (1,710)      (1,785)      (1,863)      (1,944)      (2,029)      (2,118)       0
    1,639        1,710        1,785        1,863        1,944        2,029        2,118        2,212        0

     319          328          336          344          353          361          370          378
       8            8            8            8            8            9            9            9




YEAR 13      YEAR 14      YEAR 15      YEAR 16      YEAR 17      YEAR 18      YEAR 19      YEAR 20




      574         594          615          637          659          682          706          731
   90.00%      90.00%       90.00%       90.00%       90.00%       90.00%       90.00%       90.00%


  542,625     561,617      581,273      601,618      622,674      644,468      667,024      690,370
      231         239          247          256          265          274          284          294




      574         594          615          637          659          682          706          731
   90.00%      90.00%       90.00%       90.00%       90.00%       90.00%       90.00%       90.00%


   62,014      64,185       66,431       68,756       71,163       73,653       76,231       78,899
       26          27           28           29           30           31           32           34




      574         594          615          637          659          682          706          731
   90.00%      90.00%       90.00%       90.00%       90.00%       90.00%       90.00%       90.00%


   38,759      40,115       41,520       42,973       44,477       46,033       47,645       49,312
       16          17           18           18           19           20           20           21


  643,398     665,917      689,224      713,347      738,314      764,155      790,900      818,582
      274         283          293          304          314          325          337          348




                                                                                     Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
YEAR 13      YEAR 14      YEAR 15      YEAR 16      YEAR 17      YEAR 18      YEAR 19      YEAR 20


  (28,975)     (28,975)     (28,975)     (28,975)     (28,975)     (28,975)     (28,975)     (28,975)
   21,921       25,190       28,643       32,289       36,138       40,199       44,484       49,004
        0            0            0            0            0            0            0            0
    4,602        4,602        4,602        4,602        4,602        4,602        4,602        4,602
   17,125       18,100       19,075       20,050       21,025       22,000       22,975       23,950
   14,674       18,918       23,346       27,967       32,790       37,827       43,087       48,581

  26,752       31,067       35,570       40,269       45,174       50,295       55,644       61,232
       0            0            0            0            0            0            0            0
   0.00%        0.00%        0.00%        0.00%        0.00%        0.00%        0.00%        0.00%

   3,094        3,269        3,453        3,646        3,849        4,061        4,285        4,519
   6,557        6,841        7,139        7,450        7,776        8,117        8,473        8,846
     47%          48%          48%          49%          49%          50%          51%          51%

   4,420        4,670        4,933        5,209        5,498        5,802        6,121        6,456
  38,602       41,942       45,470       49,194       53,124       57,270       61,644       66,257
  11.45%       11.13%       10.85%       10.59%       10.35%       10.13%        9.93%        9.74%


                                                                                     Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
3,094    3,269    3,453    3,646    3,849    4,061    4,285     4,519
30,729   33,998   37,451   41,097   44,945   49,007   53,292    57,811
10.07%    9.62%    9.22%    8.87%    8.56%    8.29%    8.04%     7.82%

 7,874    7,945    8,019    8,097    8,178    8,263    8,353    8,446
30,729   33,998   37,451   41,097   44,945   49,007   53,292   57,811
25.62%   23.37%   21.41%   19.70%   18.20%   16.86%   15.67%   14.61%

 7,874    7,945    8,019    8,097    8,178    8,263    8,353    8,446
38,602   41,942   45,470   49,194   53,124   57,270   61,644   66,257
20.40%   18.94%   17.64%   16.46%   15.39%   14.43%   13.55%   12.75%



 6,557    6,841    7,139    7,450    7,776    8,117    8,473    8,846
   581      598      616      633      651      670      689      708
 5,976    6,243    6,523    6,817    7,124    7,447    7,785    8,139
 2,882    2,974    3,070    3,171    3,276    3,385    3,500    3,619
48.23%   47.64%   47.07%   46.51%   45.98%   45.46%   44.96%   44.47%
 7,996    7,898    7,804    7,712    7,623    7,537    7,454    7,373
 3,162    3,259    3,360    3,465    3,575    3,690    3,809    3,934




                                                         Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
MAIN MENU   APPENDIX-09
            PT OFFICE BUILDING
            INTEREST DURING CONSTRUCTION & REPAYMENT SCHEDULE                                                             IN 000 US$

               YEAR           MONTH           WITHD- BEGINNINGINTEREST                                      INSTALL-                      ENDING
                                              RAWAL BALANCE       8.00%                                       MENT                       BALANCE

                   0               2                1,218           1,218                                                                       1,218
                                   4                1,021           2,239         16.290                                                        2,255
                                   6                1,021           3,276         30.164                                                        3,306
                                   8                1,021           4,327         44.224                                                        4,371
                                  10                1,021           5,392         58.472                                                        5,450
                                  12                1,021           6,471         72.910                                                        6,544
                                  14                1,085           7,629         87.542                                                        7,716
                                  16                1,085           8,801       103.228                                                         8,905
                                  18                1,085           9,990       119.123                                                       10,109
                                  20                1,085         11,194        135.231                                                       11,329
                                  22                1,142         12,471        151.555                                                       12,622
                                  24                1,142         13,764        168.858                                                       13,933
            --------------- --------------- --------------- --------------- --------------- ------------- --------------- ------------- ---------------
                                                  12,945                        987.598
            --------------- --------------- --------------- --------------- --------------- ------------- --------------- ------------- ---------------
                   1               1                              13,933              279                                                     13,933
                                   2                              13,933              279                           500                       13,433
                                   3                              13,433              269                                                     13,433
                                   4                              13,433              269        1,095              500        1,000          12,933

                   2               1                              12,933              259                                                    12,933
                                   2                              12,933              259                           750                      12,183
                                   3                              12,183              244                                                    12,183
                                   4                              12,183              244        1,005              750        1,500         11,433

                   3               1                              11,433              229                                                    11,433
                                   2                              11,433              229                        1,000                       10,433
                                   3                              10,433              209                                                    10,433
                                   4                              10,433              209           875          1,000         2,000          9,433

                   4               1                               9,433              189                                                      9,433
                                   2                               9,433              189                        1,000                         8,433
                                   3                               8,433              169                                                      8,433
                                   4                               8,433              169           715          1,250         2,250           7,183

                   5               1                               7,183              144                                                      7,183
                                   2                               7,183              144                        1,250                         5,933
                                   3                               5,933              119                                                      5,933
                                   4                               5,933              119           525          1,250         2,500           4,683

                   6               1                               4,683                94                                                     4,683
                                   2                               4,683                94                       1,500                         3,183
                                   3                               3,183                64                                                     3,183
                                   4                               3,183                64          315          1,500         3,000           1,683

                   7     1                 1,683       34                             1,683
                         2                 1,683       34            1,500              183
                         3                   183        4                               183
                         4                   183        4     75       183   1,683        0
            ======== ======== ======== ======== ======== ======= ======== ======= ========
                8        1                     0        0                                 0
                         2                     0        0                                 0
                         3                     0        0                                 0
                         4                     0        0      0                 0        0

                   9               1                                     0               0                                                           0
                                   2                                     0               0                                                           0
                                   3                                     0               0                                                           0
                                   4                                     0               0             0                             0               0

                                                                                                           Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
10   1   0   0                                     0
     2   0   0                                     0
     3   0   0                                     0
     4   0   0   0                      0          0

11   1   0   0                                     0
     2   0   0                                     0
     3   0   0                                     0
     4                                  0




                     Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
MAIN MENU   APPENDIX-10
            PT OFFICE BUILDING
            INTERNAL RATE OF RETURN                                                                                                                                                       IN 000 US$

              DESCRIPTION                            YEAR 0       YEAR 0       YEAR 1       YEAR 2          YEAR 3         YEAR 4      YEAR 5      YEAR 6      YEAR 7       YEAR 8         YEAR 9       YEAR 10

            IRR ON EQUITY (CASH FLOW):
               EQUITY                                   (5,833)      (2,974)           0               0              0           0           0           0            0             0             0            0
               CASH BALANCE ANNUAL                           0            0        1,144             227             67         195         363         191        1,811         3,425         3,637        3,784
               DIVIDEN                                        0            0            0               0              0           0           0           0            0             0             0            0
               SALVAGE VALUE
               INTERNAL RATE OF RETURN     16.41%       (5,833)      (2,974)       1,144             227             67         195         363         191        1,811         3,425         3,637        3,784

              NET PRESENT VALUE (NPV)    12,120.21




                                                         Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
YEAR 11      YEAR 12      YEAR 13      YEAR 14      YEAR 15      YEAR 16      YEAR 17       YEAR 18      YEAR 19      YEAR 20


        0            0            0            0            0            0             0            0            0            0
    3,805        3,967        4,137        4,315        4,502        4,699         4,905        5,122        5,349        5,588
         0            0            0            0            0            0             0            0            0            0
                                                                                                                          5,025
    3,805        3,967        4,137        4,315        4,502        4,699         4,905        5,122        5,349       10,613




                                                                              Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
Proyeksi keuangan office building

Weitere ähnliche Inhalte

Andere mochten auch

Youtube Policy Primer
Youtube Policy PrimerYoutube Policy Primer
Youtube Policy PrimerESutton17
 
Put your polling station on the map
Put your polling station on the mapPut your polling station on the map
Put your polling station on the mapFiifi Baidoo
 
Purdue Writing Lab
Purdue Writing LabPurdue Writing Lab
Purdue Writing Labcynthia9109
 
Sri lanka tracer study and impact assessment synthesis
Sri lanka   tracer study and impact assessment synthesisSri lanka   tracer study and impact assessment synthesis
Sri lanka tracer study and impact assessment synthesisimecommunity
 
File 2 office building
File 2 office buildingFile 2 office building
File 2 office buildingimecommunity
 
Intro to Grace 2010 revised April 2010
Intro to Grace 2010  revised April 2010Intro to Grace 2010  revised April 2010
Intro to Grace 2010 revised April 2010Andrew Field
 
Corporate training - Mind Programming - Kushalta Academy
Corporate training - Mind Programming - Kushalta AcademyCorporate training - Mind Programming - Kushalta Academy
Corporate training - Mind Programming - Kushalta AcademyJohn Bhatt
 
Magazine spreads
Magazine spreadsMagazine spreads
Magazine spreadszenmariku
 
Python: The Iterator Pattern (Generators)
Python: The Iterator Pattern (Generators)Python: The Iterator Pattern (Generators)
Python: The Iterator Pattern (Generators)Damian T. Gordon
 
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESIS
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESISEziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESIS
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESISPAHUPDATE
 

Andere mochten auch (14)

Youtube Policy Primer
Youtube Policy PrimerYoutube Policy Primer
Youtube Policy Primer
 
Put your polling station on the map
Put your polling station on the mapPut your polling station on the map
Put your polling station on the map
 
Constructivism
ConstructivismConstructivism
Constructivism
 
Purdue Writing Lab
Purdue Writing LabPurdue Writing Lab
Purdue Writing Lab
 
Sri lanka tracer study and impact assessment synthesis
Sri lanka   tracer study and impact assessment synthesisSri lanka   tracer study and impact assessment synthesis
Sri lanka tracer study and impact assessment synthesis
 
File 2 office building
File 2 office buildingFile 2 office building
File 2 office building
 
Intro to Grace 2010 revised April 2010
Intro to Grace 2010  revised April 2010Intro to Grace 2010  revised April 2010
Intro to Grace 2010 revised April 2010
 
Corporate training - Mind Programming - Kushalta Academy
Corporate training - Mind Programming - Kushalta AcademyCorporate training - Mind Programming - Kushalta Academy
Corporate training - Mind Programming - Kushalta Academy
 
Modul 3 kab
Modul 3 kabModul 3 kab
Modul 3 kab
 
SkillsUSA 2010
SkillsUSA 2010SkillsUSA 2010
SkillsUSA 2010
 
Even slower
Even slowerEven slower
Even slower
 
Magazine spreads
Magazine spreadsMagazine spreads
Magazine spreads
 
Python: The Iterator Pattern (Generators)
Python: The Iterator Pattern (Generators)Python: The Iterator Pattern (Generators)
Python: The Iterator Pattern (Generators)
 
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESIS
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESISEziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESIS
Eziopatogenesi Ipertensione Polmonare Arteriosa-PAH ETIOPATHOGENESIS
 

Ähnlich wie Proyeksi keuangan office building

Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009penabulu
 
Lra.belanja 2012
Lra.belanja 2012Lra.belanja 2012
Lra.belanja 2012pamedan
 
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008penabulu
 
Pari l bend_14
Pari l bend_14Pari l bend_14
Pari l bend_14haribetawi
 
LAPORAN REALISASI APB DESA 2016
LAPORAN REALISASI APB DESA 2016LAPORAN REALISASI APB DESA 2016
LAPORAN REALISASI APB DESA 2016udhi purnomo
 
chapter 2 Short term planning and budgeting
chapter 2 Short term planning and budgetingchapter 2 Short term planning and budgeting
chapter 2 Short term planning and budgetingjumawa
 
Manajemen keuangan muhtar yahya
Manajemen keuangan muhtar yahyaManajemen keuangan muhtar yahya
Manajemen keuangan muhtar yahyazakisama7
 
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010penabulu
 
Aspek finansial-studi-kasus
Aspek finansial-studi-kasusAspek finansial-studi-kasus
Aspek finansial-studi-kasusmyokos
 
Proposal Frenchise Jamur Crispy
Proposal Frenchise Jamur CrispyProposal Frenchise Jamur Crispy
Proposal Frenchise Jamur Crispyferdy setiady
 
PLAN A DAN B
PLAN A DAN BPLAN A DAN B
PLAN A DAN Brewards
 

Ähnlich wie Proyeksi keuangan office building (16)

Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2009
 
Lra.belanja 2012
Lra.belanja 2012Lra.belanja 2012
Lra.belanja 2012
 
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2008
 
Pari l bend_14
Pari l bend_14Pari l bend_14
Pari l bend_14
 
LAPORAN REALISASI APB DESA 2016
LAPORAN REALISASI APB DESA 2016LAPORAN REALISASI APB DESA 2016
LAPORAN REALISASI APB DESA 2016
 
chapter 2 Short term planning and budgeting
chapter 2 Short term planning and budgetingchapter 2 Short term planning and budgeting
chapter 2 Short term planning and budgeting
 
Manajemen keuangan muhtar yahya
Manajemen keuangan muhtar yahyaManajemen keuangan muhtar yahya
Manajemen keuangan muhtar yahya
 
A dan B
A dan BA dan B
A dan B
 
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010
Opini Auditor Independen dan Laporan Keuangan Yayasan Penabulu Tahun 2010
 
Profil jabar maret 2013
Profil jabar maret 2013Profil jabar maret 2013
Profil jabar maret 2013
 
Unit link
Unit linkUnit link
Unit link
 
Yantupin
YantupinYantupin
Yantupin
 
Aspek finansial-studi-kasus
Aspek finansial-studi-kasusAspek finansial-studi-kasus
Aspek finansial-studi-kasus
 
Proposal Frenchise Jamur Crispy
Proposal Frenchise Jamur CrispyProposal Frenchise Jamur Crispy
Proposal Frenchise Jamur Crispy
 
PLAN A DAN B
PLAN A DAN BPLAN A DAN B
PLAN A DAN B
 
Kondisi Perekonomian Jakarta Tahun 2012
Kondisi Perekonomian Jakarta Tahun 2012Kondisi Perekonomian Jakarta Tahun 2012
Kondisi Perekonomian Jakarta Tahun 2012
 

Mehr von imecommunity (20)

Exp imp-bab-03
Exp imp-bab-03Exp imp-bab-03
Exp imp-bab-03
 
Exp imp-bab-02
Exp imp-bab-02Exp imp-bab-02
Exp imp-bab-02
 
0167 surat diknas kab bondowoso
0167 surat diknas kab bondowoso0167 surat diknas kab bondowoso
0167 surat diknas kab bondowoso
 
0165 surat diknas kab banyuwangi
0165 surat diknas kab banyuwangi0165 surat diknas kab banyuwangi
0165 surat diknas kab banyuwangi
 
0164 surat diknas kab sumenep
0164 surat diknas kab sumenep0164 surat diknas kab sumenep
0164 surat diknas kab sumenep
 
Perhotelan
PerhotelanPerhotelan
Perhotelan
 
Perhotelan
PerhotelanPerhotelan
Perhotelan
 
Steel sm
Steel smSteel sm
Steel sm
 
Steel 3
Steel 3Steel 3
Steel 3
 
Steel 1
Steel 1Steel 1
Steel 1
 
Exp imp-rks
Exp imp-rksExp imp-rks
Exp imp-rks
 
Exp imp-di
Exp imp-diExp imp-di
Exp imp-di
 
Exp imp-bab-05
Exp imp-bab-05Exp imp-bab-05
Exp imp-bab-05
 
Exp imp-bab-04
Exp imp-bab-04Exp imp-bab-04
Exp imp-bab-04
 
Exp imp-bab-01
Exp imp-bab-01Exp imp-bab-01
Exp imp-bab-01
 
Sekolah menengah umum
Sekolah menengah umumSekolah menengah umum
Sekolah menengah umum
 
Sekolah menengah umum
Sekolah menengah umumSekolah menengah umum
Sekolah menengah umum
 
Rms ramalan smu
Rms ramalan smuRms ramalan smu
Rms ramalan smu
 
Plat 05
Plat 05Plat 05
Plat 05
 
Plat 04
Plat 04Plat 04
Plat 04
 

Proyeksi keuangan office building

  • 1. MAIN MENU FINANCIAL PROJECTION To Menu OFFICE BUILDING Click APPENDIX-0 ASSUMPTION AND SUMMARY APPENDIX-01 BALANCE SHEET PROJECTION APPENDIX-02 CASH FLOW PROJECTION APPENDIX-03 PROFIT AND LOSS PROJCTION APPENDIX-04 INVESTMENT AND DEPRECIATION APPENDIX-05 INVESTMENT SCHEDULE APPENDIX-06 LOAN DISBURSEMENT AND STRUCTURE OF FUN SCHEDULE APPENDIX-07 ESTIMATED SALARY & WAGES EXPENSES APPENDIX-08 ESTIMATED ELECTRICITY EXPENSES APPENDIX-09 INTEREST DURING CONSTRUCTION & REPAYMENT SCHEDULE APPENDIX-10 FINANCIAL RATIO AND BREAK EVEN POINT APPENDIX-11 INTERNAL RATE OF RETURN APPENDIX-12 SENSITIVITY ANALYSIS Bagian dari buku "Menggali Potensi Wirausaha" Penulis: Ir Harmaizar Zaharuddin
  • 2. SCHEDULE NT SCHEDULE Bagian dari buku "Menggali Potensi Wirausaha" Penulis: Ir Harmaizar Zaharuddin
  • 3. MAIN MENU APPENDIX-0 Bagian dari buku "Menggali Potensi Wirausaha". Penulis Harmaizar Zaharuddin Proyeksi Keuangan Office Building.xls PT OFFICE BUILDING ASSUMPTION AND SUMMARY IN 000 US$ PROJECT COST : LOAN PORTION (%) : INTEREST : BANK LOAN : INVESTMENT 70.00% LONG TERM LOAN 8.00% pa (Based on LIBOR + 2.00%) - INVESTMENT US$ 19,179,743 EQUITY 30.00% WORK CAPITAL 8.00% pa (Based on LIBOR + 2.00%) - I. D. C. US$ 987,598 I. D. C. 7.63% EQUITY : - INVESTMENT US$ 8,219,890 ADVANCED DEPOSIT 3 MONTH - MANAGEMENT FEE US$ 191,797 - COMMITMENT FEE US$ 395,951 CASH REQUIREMENT 4 MONTH TOTAL US$ 28,974,979 TYPE RENTABLE AREA SEMI GROSS RENTAL/MONTH SERV.CHG TOTAL TOTAL TYPE AREA (M2) AREA (US$/M2) (US$/M2) RENTAL/YEAR SERV.CHG/YEAR GROUND FLOOR 1,389 M2 16.00 6.50 266,642 108,323 GROSS AREA + CAR PARK 32,340 M2 FL-2 UPTO 4 3,509 M2 13.50 6.50 568,526 273,735 FL-5 UPTO 19 12,418 M2 12.50 6.50 1,862,730 968,620 GROSS AREA 20,824 M2 FL-20 UPTO 23 1,106 M2 13.50 6.50 179,097 86,232 PARKING 346 LOT 25.00 103,800 0 SEMI GROSS AREA 18,422 M2 TOTAL (Excl. Park.) 18,422 M2 2,980,795 1,436,910 EFFICIENCY AREA 88.47% DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 MARK-UP RENTAL RATE 5.00% 0.00% 0.00% 100.00% 105.00% 110.25% 115.76% 121.55% 127.63% 134.01% 140.71% 147.75% 155.13% MARK-UP SERVICE CHARGE 2.50% 0.00% 0.00% 100.00% 102.50% 105.06% 107.69% 110.38% 113.14% 115.97% 118.87% 121.84% 124.89% MARK-UP OPERAT. EXPENSES 3.50% 0.00% 0.00% 100.00% 103.50% 107.12% 110.87% 114.75% 118.77% 122.93% 127.23% 131.68% 136.29% MARK-UP WAGES/SALARY 3.50% 0.00% 0.00% 100.00% 103.50% 107.12% 110.87% 114.75% 118.77% 122.93% 127.23% 131.68% 136.29% ----- --- ------ -------------- --------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- OCCUPANCY RATE 0% 0% 75% 80% 85% 90% 95% 95% 95% 90% 90% 90% SUMMARY : IRR ON CASH FLOW 16.41% NET PRESENT VALUE ( 8.00% ) US$ = 2.00 REPAYMENT : - LONG TERM LOAN 0 1,000 1,500 2,000 2,250 2,500 3,000 1,683 0 0 0 - SHORT TERM LOAN 0 0 0 0 0 0 0 0 0 0 R. O. I. 0.00% 3.45% 4.77% 6.34% 8.14% 10.16% 12.23% 12.85% 11.54% 11.32% 11.11% R. O. E. 0.00% 0.00% 2.41% 5.79% 8.85% 11.36% 12.79% 13.07% 11.57% 11.00% 10.50% DEBT TO EQUITY 228.98% 229.75% 208.42% 176.27% 140.02% 103.74% 68.53% 49.04% 43.27% 38.80% 35.00% DEBT TO ASSETS 69.60% 69.67% 67.58% 63.80% 58.34% 50.92% 40.66% 32.90% 30.20% 27.96% 25.92% LEVERAGE 228.98% 207.09% 182.72% 150.31% 113.47% 76.14% 42.65% 14.47% -6.80% -24.58% -39.24% ACID TEST (LIQUIDITY) 0.00% 76.26% 68.57% 63.92% 65.32% 66.53% 129.94% 0.00% 0.00% 0.00% 0.00%
  • 4. YEAR 11 YEAR 12 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 162.89% 171.03% 179.59% 188.56% 197.99% 207.89% 218.29% 229.20% 240.66% 252.70% 128.01% 131.21% 134.49% 137.85% 141.30% 144.83% 148.45% 152.16% 155.97% 159.87% 141.06% 146.00% 151.11% 156.40% 161.87% 167.53% 173.40% 179.47% 185.75% 192.25% 141.06% 146.00% 151.11% 156.40% 161.87% 167.53% 173.40% 179.47% 185.75% 192.25% --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- 90% 90% 90% 90% 90% 90% 90% 90% 90% 90% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12.18% 11.80% 11.45% 11.13% 10.85% 10.59% 10.35% 10.13% 9.93% 9.74% 11.20% 10.59% 10.07% 9.62% 9.22% 8.87% 8.56% 8.29% 8.04% 7.82% 31.33% 28.25% 25.62% 23.37% 21.41% 19.70% 18.20% 16.86% 15.67% 14.61% 23.86% 22.02% 20.40% 18.94% 17.64% 16.46% 15.39% 14.43% 13.55% 12.75% -50.24% -59.28% -66.77% -73.04% -78.33% -82.82% -86.64% -89.91% -92.72% -95.13% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
  • 5. MAIN MENU APPENDIX-05 PT OFFICE BUILDING INVESTMENT SCHEDULE IN 000 US$ COST % FIRST YEAR NO ITEM WORK TOTAL --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- (US $) PROJECT MONTH-0 MONTH-2 MONTH-4 MONTH-6 MONTH-8 MONTH-10 MONTH-12 MONTH-14 MONTH-16 A LAND : 1 LAND COST 5,000 17.26% 5,000 2 LAND IMPROVEMENT COST 25 0.09% 25 TOTAL A 5,025 17.34% 5,025 0 0 0 0 0 0 0 0 B CONTRUCTION COST : 4,392 1 CIVIL WORKS 4,392 15.16% 659 311 311 311 311 311 311 311 311 4,576 2 ARCHITECTURE 4,576 15.79% 686 324 324 324 324 324 324 324 324 4,629 3 MECH. & ELECTRICAL WORKS 4,629 15.97% 694 328 328 328 328 328 328 328 328 5,903 4 SITE EXP. + INDIRECT COST 5,903 20.37% 885 418 418 418 418 418 418 418 418 19,499.63 TOTAL B 19,500 67.30% 2,925 1,381 1,381 1,381 1,381 1,381 1,381 1,381 1,381 C VEHICLES 325 1.12% 81 81 0 0 0 D PRE-OPERATING 1,000 1 LICENSE & PERMITS 1,000 3.45% 500 200 50 50 250 2 TESTING 250 0.86% 42 42 750 3 CONSULTANT FEE 750 2.59% 375 31 31 31 31 31 31 31 31 250 4 OVERHEAD COST 250 0.86% 21 21 21 21 21 21 21 21 300 5 OTHERS 300 1.04% 25 25 25 25 25 25 25 25 TOTAL D 2,550 8.80% 875 277 77 77 77 77 77 169 169 ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- TOTAL BEFORE IDC 27,400 94.56% 8,906 1,740 1,458 1,458 1,458 1,458 1,458 1,550 1,550 ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- E I. D. C. 988 3.41% 0 16 30 44 58 73 88 103 MANAGEMENT FEE 192 0.66% 0 192 0 0 0 0 0 0 0 COMMITMENT FEE 396 1.37% 29 45 42 40 37 35 32 29 27 GRAND TOTAL 28,975 100.00% 8,936 1,976 1,517 1,528 1,540 1,551 1,563 1,667 1,680 ==== ========================== =========== ========= ========= ========= ========= ========= ========= ========= ========= ========= ========= BANK LOAN : - INVESTMENT LOAN 19,180 70.00% 6,234 1,218 1,021 1,021 1,021 1,021 1,021 1,085 1,085 - I. D. C. 988 100.00% 0 0 16 30 44 58 73 88 103 TOTAL INVESTMENT LOAN 20,167 6,234 1,218 1,037 1,051 1,065 1,079 1,094 1,173 1,188 EQUITY : - INVESTMENT 8,220 30.00% 2,672 522 437 437 437 437 437 465 465 - MANAGEMENT FEE 192 1.00% 0 192 0 0 0 0 0 0 0 - COMMITMENT FEE 396 1.00% 29 45 42 40 37 35 32 29 27 TOTAL EQUITY 8,808 30.00% 2,701 759 480 477 475 472 470 494 492 ------- ---------------------------------------------- ------------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- TOTAL 28,975 8,936 1,976 1,517 1,528 1,540 1,551 1,563 1,667 1,680 * Portion of Fund based on Total Before IDC LOAN PORTION (%) : BANK LOAN 69.60% 70.00% 70.00% 70.51% 71.00% 71.48% 71.97% 72.46% 72.93% 73.40% EQUITY 30.40% 30.33% 43.61% 38.73% 36.85% 35.82% 35.16% 34.68% 34.28% 33.95% ACCUMULATION : BANK LOAN 6,234 1,218 2,255 3,306 4,371 5,450 6,544 7,716 8,905 EQUITY 2,701 759 1,238 1,716 2,190 2,663 3,132 3,627 4,118 28,975 100.00% 8,906 1,740 3,198 4,656 6,114 7,573 9,031 10,581 12,131 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
  • 6. SECOND YEAR TOTAL + --------------- --------------- --------------- --------------- PRV.SUM MONTH-18 MONTH-20 MONTH-22 MONTH-24 0.00% 0 5,000 0 25 0 0 0 0 0 5,025 0 0 0 311 311 311 311 4,392 0 324 324 324 324 4,576 0 328 328 328 328 4,629 0 418 418 418 418 5,903 0 1,381 1,381 1,381 1,381 19,500 0 81 81 325 0 0 50 50 50 50 1,000 0 42 42 42 42 250 0 31 31 31 31 750 0 21 21 21 21 250 0 25 25 25 25 300 0 169 169 169 169 2,550 0 --------------- --------------- --------------- --------------- --------------- 1,550 1,550 1,631 1,631 27,400 0 --------------- --------------- --------------- --------------- --------------- 0 119 135 152 169 0 0 0 0 0 0 24 21 18 16 0 1,693 1,707 1,801 1,816 0 ========= ========= ========= ========= ========= 0 0 1,085 1,085 1,142 1,142 0 119 135 152 169 0 1,204 1,220 1,293 1,311 0 465 465 489 489 0 0 0 0 0 0 24 21 18 16 0 489 486 508 505 0 --------------- --------------- --------------- --------------- --------------- 0 1,693 1,707 1,801 1,816 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
  • 7. MAIN MENU APPENDIX-01 PT OFFICE BUILDING Proyeksi Keuangan Office Building.xls BALANCE SHEET PROJECTION IN 000 US$ DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 ASSETS : CURRENT ASSETS : CASH 0 0 1,144 1,371 1,438 1,633 1,996 2,187 3,998 7,424 11,060 14,844 18,649 22,615 FIXED ASSETS : 0 INVESTMENT 16,400 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 ACCUMULATED DEPRECIATION 0 0 (1,007) (2,015) (3,022) (4,030) (5,037) (6,045) (7,052) (8,060) (9,067) (10,075) (11,050) (12,025) NET FIXED ASSETS 16,400 24,850 23,842 22,835 21,827 20,820 19,812 18,805 17,797 16,790 15,782 14,775 13,800 12,825 OTHER ASSETS PRE-OPERATION COST & IDC 2,212 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 AMORTIZATION 0 0 (413) (825) (1,238) (1,650) (2,063) (2,475) (2,888) (3,300) (3,713) (4,125) (4,125) (4,125) NET OTHER ASSETS 2,212 4,125 3,713 3,300 2,888 2,475 2,063 1,650 1,238 825 413 0 0 0 TOTAL ASSETS 18,612 28,975 28,699 27,506 26,153 24,928 23,871 22,642 23,033 25,038 27,255 29,619 32,448 35,440 LIABILITIES & SHARE HOLDERS' EQUITY CURRENT LIABILITIES ADVANCE DEPOSIT 828 921 1,019 1,125 1,237 1,290 1,344 1,328 1,385 1,444 1,506 1,571 WORKING CAPITAL LOAN 0 0 0 0 0 0 0 0 0 0 0 0 LONG TERM LOAN - CURRENT MATURITY 0 1,000 1,500 2,000 2,250 2,500 3,000 1,683 0 0 0 0 0 0 TOTAL CURRENT LIABILITIES 1,000 2,328 2,921 3,269 3,625 4,237 2,973 1,344 1,328 1,385 1,444 1,506 1,571 BANK LOAN 12,778 19,167 17,667 15,667 13,417 10,917 7,917 6,234 6,234 6,234 6,234 6,234 6,234 6,234 SHARE HOLDERS' EQUITY EQUITY 5,833 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 S. B. L. C. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 RETAINED EARNING 0 0 (104) 111 659 1,578 2,909 4,627 6,647 8,668 10,828 13,132 15,900 18,827 TOTAL SHARE HOLDERS' EQUITY 5,833 8,808 8,703 8,918 9,467 10,386 11,716 13,435 15,454 17,476 19,636 21,940 24,708 27,635 TOTAL LIABILITIES & SHARE HOLDERS' EQUITY 18,612 28,975 28,699 27,506 26,153 24,928 23,871 22,642 23,033 25,038 27,255 29,619 32,448 35,440 0 0 0 0 0 0 0 0 0 0 0 0 0 0 MAIN MENU APPENDIX-02 PT OFFICE BUILDING CASH FLOW PROJECTION IN 000 US$ DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 CASH IN-FLOWS FROM OPERATION 0 0 4,142 3,774 4,175 4,604 5,061 5,211 5,433 5,296 5,596 5,836 6,087 6,350 - RENTAL REVENUE 0 0 3,313 3,682 4,077 4,498 4,949 5,159 5,378 5,312 5,539 5,777 6,025 6,285 - ADVANCED DEPOSITS - BEGINNING (828) (921) (1,019) (1,125) (1,237) (1,290) (1,344) (1,328) (1,385) (1,444) (1,506) - ENDING 828 921 1,019 1,125 1,237 1,290 1,344 1,328 1,385 1,444 1,506 1,571 CASH OUT-FLOWS FROM OPERATION 0 0 903 950 999 1,050 1,104 969 998 1,004 1,034 1,065 1,096 1,129 SALARIES EXPENSES 0 0 361 373 386 400 414 428 443 459 475 492 509 527 ELECTRICITY EXPENSES 0 0 151 167 183 201 219 227 235 231 239 247 256 265 MAINTENANCE EXPENSES 0 0 107 116 126 135 145 147 148 141 142 142 141 140 MARKETING/PROMOTION 0 0 179 188 198 208 220 61 66 68 73 79 85 92 INSURANCE PREMIUM 0 0 31 31 31 31 31 31 31 31 31 31 31 31 OTHERS 0 0 75 75 75 75 75 75 75 75 75 75 75 75 NET CASH INFLOW (OUTFLOW) FROM OPERATION 0 0 3,239 2,824 3,176 3,553 3,958 4,242 4,434 4,292 4,562 4,771 4,991 5,221 OTHER IN-FLOWS 18,390 9,598 0 0 0 0 0 0 0 0 0 0 0 0 EQUITY 5,833 2,974 0 0 0 0 0 0 0 0 0 0 0 0 S. B. L. C. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 BANK LOAN 12,556 6,624 0 0 0 0 0 0 0 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 8. WORKING CAPITAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 OTHER OUT-FLOWS 18,390 9,598 0 92 235 394 570 736 865 866 926 988 1,186 1,254 LAND & LAND IMPROVEMENT COST 5,025 0 0 0 0 0 0 0 0 0 0 0 0 0 CIVIL WORKS 2,525 1,867 0 0 0 0 0 0 0 0 0 0 0 0 ARCHITECTURE 2,631 1,945 0 0 0 0 0 0 0 0 0 0 0 0 MECH. & ELECTRICAL WORKS 2,661 1,967 0 0 0 0 0 0 0 0 0 0 0 0 SITE EXP. + INDIRECT COST 3,394 2,509 0 0 0 0 0 0 0 0 0 0 0 0 VEHICLES 163 163 0 0 0 0 0 0 0 0 0 0 0 0 PRE-OPERATING & MANAG., COMMIT. FEE 1,990 1,148 0 0 0 0 0 0 0 0 0 0 0 0 INCOME TAX 0 0 0 92 235 394 570 736 865 866 926 988 1,186 1,254 DIVIDEND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 CASH AVAILABLE 0 0 3,239 2,732 2,941 3,159 3,388 3,506 3,569 3,425 3,637 3,784 3,805 3,967 TOTAL DEBT SERVICES : 0 0 2,095 2,505 2,875 2,965 3,025 3,315 1,758 0 0 0 0 0 INTEREST EXPENSE - BANK LOAN 0 0 1,095 1,005 875 715 525 315 75 0 0 0 0 0 - WORKING CAP. 0 0 0 0 0 0 0 0 0 0 0 0 REPAYMENT -: BANK LOAN 0 0 1,000 1,500 2,000 2,250 2,500 3,000 1,683 0 0 0 0 0 - WORKING CAPITAL LOAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 CASH BALANCE (BEGINNING) 0 0 1,144 1,371 1,438 1,633 1,996 2,187 3,998 7,424 11,060 14,844 18,649 CASH BALANCE (ENDING) 0 0 1,144 1,371 1,438 1,633 1,996 2,187 3,998 7,424 11,060 14,844 18,649 22,615 CASH ICREASE OR DECREASE 0 0 1,144 227 67 195 363 191 1,811 3,425 3,637 3,784 3,805 3,967 MAIN MENU APPENDIX-03 PT OFFICE BUILDING PROFIT AND LOSS PROJECTION IN 000 US$ DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 REVENUE : - RENTAL REVENUE 2,236 2,504 2,793 3,106 3,442 3,614 3,795 3,775 3,964 4,162 4,370 4,588 - SERVICE CHARGE 1,078 1,178 1,283 1,393 1,507 1,544 1,583 1,537 1,576 1,615 1,655 1,697 3,313 3,682 4,077 4,498 4,949 5,159 5,378 5,312 5,539 5,777 6,025 6,285 EXPENSES : OPERATING EXPENSES : SALARIES EXPENSES 361 373 386 400 414 428 443 459 475 492 509 527 ELECTRICITY EXPENSES 151 167 183 201 219 227 235 231 239 247 256 265 MAINTENANCE EXPENSES 107 116 126 135 145 147 148 141 142 142 141 140 MARKETING/PROMOTION 179 188 198 208 220 61 66 68 73 79 85 92 INSURANCE PREMIUM 31 31 31 31 31 31 31 31 31 31 31 31 OTHERS 75 75 75 75 75 75 75 75 75 75 75 75 DEPRECIATION 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 975 975 AMORTIZATION 413 413 413 413 413 413 413 413 413 413 0 0 TOTAL OPERATING EXPENSES 2,323 2,370 2,419 2,470 2,524 2,389 2,418 2,424 2,454 2,485 2,071 2,104 OPERATING INCOME 990 1,312 1,658 2,028 2,425 2,770 2,960 2,888 3,085 3,292 3,954 4,181 INTEREST EXPENSE - BANK LOAN 1,095 1,005 875 715 525 315 75 0 0 0 0 0 - WORKING CAPITAL 0 0 0 0 0 0 0 0 0 0 0 0 EARNING BEFORE TAX 0 0 (104) 308 783 1,313 1,901 2,455 2,885 2,888 3,085 3,292 3,954 4,181 INCOME TAX 30% 0 92 235 394 570 736 865 866 926 988 1,186 1,254 NET PROFIT/LOSS 0 0 (104) 215 548 919 1,330 1,718 2,019 2,022 2,160 2,304 2,768 2,927 DIVIDEND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 9. RETAINED EARNING 0 0 (104) 111 659 1,578 2,909 4,627 6,647 8,668 10,828 13,132 15,900 18,827 MAIN MENU APPENDIX-04 PT OFFICE BUILDING INVESTMENT, RE-INVESTMENT, DEPRECIATION AND AMORTIZATION SCHEDULE IN 000 US$ DESCRIPTION TOTAL YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 FIXED ASSETS : LAND & LAND IMPROVEMENT COST 5,025 5,025 0 CIVIL WORKS 4,392 2,525 1,867 ARCHITECTURE 4,576 2,631 1,945 MECH. & ELECTRICAL WORKS 4,629 2,661 1,967 SITE EXP. + INDIRECT COST 5,903 3,394 2,509 VEHICLES 325 163 163 TOTAL FIXED ASSETS 24,850 16,400 8,450 0 0 0 0 0 0 0 0 0 0 0 0 OTHER ASSETS : PRE-OPERATING 2,550 1,538 1,013 INTEREST DURING CONSTRUCTION 988 222 766 MANAGEMENT & COMMITMENT FEE 588 452 135 TOTAL OTHER ASSETS 4,125 2,212 1,914 0 0 0 0 0 0 0 0 0 0 0 0 TOTAL INVESTMENT 28,975 18,612 10,363 0 0 0 0 0 0 0 0 0 0 0 0 RATE DEPRECIATION : CIVIL WORKS 5.00% 220 220 220 220 220 220 220 220 220 220 220 220 ARCHITECTURE 5.00% 229 229 229 229 229 229 229 229 229 229 229 229 MECH. & ELECTRICAL WORKS 5.00% 231 231 231 231 231 231 231 231 231 231 231 231 SITE EXP. + INDIRECT COST 5.00% 295 295 295 295 295 295 295 295 295 295 295 295 VEHICLES 10.00% 33 33 33 33 33 33 33 33 33 33 0 0 --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- TOTAL DEPRECIATION 0 0 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 1,007 975 975 AMORTIZATION : 10.00% 0 413 413 413 413 413 413 413 413 413 413 MAINTENANCE : CIVIL WORKS 1.00% 32.94 36.37 39.99 43.83 47.88 49.55 51.29 50.29 52.05 53.87 55.76 57.71 ARCHITECTURE 1.00% 34.32 37.89 41.67 45.66 49.88 51.63 53.44 52.40 54.23 56.13 58.09 60.13 MECH. & ELECTRICAL WORKS 1.00% 34.71 38.32 42.15 46.19 50.46 52.22 54.05 53.00 54.85 56.77 58.76 60.82 VEHICLES 2.00% 4.88 5.38 5.92 6.49 7.09 7.33 7.59 7.44 7.70 7.97 8.25 8.54 TOTAL MAINTENANCE 0.00 0.00 106.85 117.96 129.72 142.16 155.31 160.74 166.37 163.13 168.84 174.75 180.87 187.20 MAIN MENU APPENDIX-06 PT OFFICE BUILDING LOAN DISBURSEMENT, REPAYMENT AND STRUCTURE OF FUNDS SCHEDULE IN 000 US$ DESCRIPTION TOTAL YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 EQUITY : - INVESTMENT 8,808 5,833 2,974 - S. B. L. C. - WORKING CAPITAL 0 LOAN : LONG TERM LOAN : 20,167 12,778 7,389 0 0 0 0 0 0 0 0 0 0 0 0 - BANK LOAN 19,180 12,556 6,624 I. D. C. 988 222 766 SHORT TERM LOAN 0 REPAYMENT : - BANK LOAN 13,933 0 0 1,000 1,500 2,000 2,250 2,500 3,000 1,683 0 0 0 0 0 - SHORT TERM LOAN 0 0 0 0 0 0 0 0 0 0 0 0 BALANCE : - BANK LOAN 204,980 12,778 20,167 19,167 17,667 15,667 13,417 10,917 7,917 6,234 6,234 6,234 6,234 6,234 6,234 - SHORT TERM LOAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 10. INTEREST EXPENSE : - BANK LOAN 4,602 1,095 1,005 875 715 525 315 75 0 0 0 - SHORT TERM LOAN 0 0 0 0 0 0 0 0 0 0 0 0 0 == = ======== = ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ======== ESTIMSTED WORKING CAPITAL : CASH OUT-FLOWS FROM OPERATION 0 0 301 317 333 350 368 323 333 335 345 355 365 376 INTEREST EXPENSE 0 0 0 365 335 292 238 175 105 25 0 0 0 0 0 - ADVANCED DEPOSITS - BEGINNING 0 0 0 (828) (921) (1,019) (1,125) (1,237) (1,290) (1,344) (1,328) (1,385) (1,444) (1,506) - ENDING 0 0 828 921 1,019 1,125 1,237 1,290 1,344 1,328 1,385 1,444 1,506 1,571 WORKING CAPITAL NEEDED 0 0 (162) 559 526 483 430 375 303 351 288 296 303 311 INCREASE (DECREASE) OF WORKING CAP. 0 0 0 (162) 722 (33) (43) (53) (55) (73) 48 (63) 8 8 8 MAIN MENU APPENDIX-08 PT OFFICE BUILDING ESTIMATED ELECTRICITY EXPENSES 0 YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 A. AT 07.00 - 17.00 (10 WORKING HOURS): A. AVILABLE CAPACITY (KVA) 2,000 B. CAPACITY IN USED - (%) 70% - (KVA) 1,400 C. AVG. FUEL USED (L/H/KVA) 0.25 D. FUEL COST (Rp/L) 380 380 393 407 421 436 451 467 483 500 518 536 555 E. OCCUPANCY RATE 75.00% 80.00% 85.00% 90.00% 95.00% 95.00% 95.00% 90.00% 90.00% 90.00% 90.00% 90.00% F. TOTAL WORKING HOURS/YEAR 3,000 G. ELECTRICITY EXPENSES - IN THOUSAND OF Rp 000 299,250 330,372 363,306 398,141 434,969 450,192 465,949 456,875 472,866 489,416 506,546 524,275 - IN US$ 000 1 US$ = Rp 2,350 127 141 155 169 185 192 198 194 201 208 216 223 B. AT 17.00-21.00 (4 WOKING HOURS): A. AVILABLE CAPACITY (KVA) 2,000 B. CAPACITY IN USED - (%) 20% - (KVA) 400 C. AVG. FUEL USED (L/H/KVA) 0.25 D. FUEL COST (Rp/L) 380 380 393 407 421 436 451 467 483 500 518 536 555 E. OCCUPANCY RATE 75.00% 80.00% 85.00% 90.00% 95.00% 95.00% 95.00% 90.00% 90.00% 90.00% 90.00% 90.00% F. TOTAL WORKING HOURS/YEAR 1,200 G. ELECTRICITY EXPENSES - IN THOUSAND OF Rp 000 34,200 37,757 41,521 45,502 49,711 51,451 53,251 52,214 54,042 55,933 57,891 59,917 - IN US$ 000 1 US$ = Rp 2,350 15 16 18 19 21 22 23 22 23 24 25 25 C. AT 21.00-07.00 (10 WORKING HOURS) A. AVILABLE CAPACITY (KVA) 2,000 B. CAPACITY IN USED - (%) 5% - (KVA) 100 C. AVG. FUEL USED (L/H/KVA) 0.25 D. FUEL COST (Rp/L) 380 380 393 407 421 436 451 467 483 500 518 536 555 E. OCCUPANCY RATE 75.00% 80.00% 85.00% 90.00% 95.00% 95.00% 95.00% 90.00% 90.00% 90.00% 90.00% 90.00% F. TOTAL WORKING HOURS/YEAR 3,000 G. ELECTRICITY EXPENSES - IN THOUSAND OF Rp 000 21,375 23,598 25,950 28,439 31,069 32,157 33,282 32,634 33,776 34,958 36,182 37,448 - IN US$ 000 1 US$ = Rp 2,350 9 10 11 12 13 14 14 14 14 15 15 16 TOTAL ELECTRICITY EXPENSE - THOUSAND OF Rp 000 354,825 391,727 430,777 472,081 515,748 533,800 552,483 541,724 560,684 580,308 600,619 621,641 - IN US$ 000 1 US$ = Rp 2,350 151 167 183 201 219 227 235 231 239 247 256 265 MAIN MENU APPENDIX-07 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 11. PT OFFICE BUILDING ESTIMATED SALARY & WAGES EXPENSES IN US$ DESCRIPTION TOTAL SALARY/M SALARY/ SALARY/ VEHICLE TOTAL EMPLOYES PERSON MONTH YEAR *) US$/UNIT 1. PRESIDENT DIRECTOR 1 3,000 3,000 39,000 50,000 50,000 BUILDING MANAGER 1 2,000 2,000 26,000 40,000 40,000 2. HOUSE KEEPING MANAGER 1 1,250 1,250 16,250 30,000 30,000 ASSISTANT BUILDING MANAGER 1 750 750 9,750 20,000 20,000 MAINTENANCE/CLEANING SERVICE 30 125 3,750 48,750 ENGINEERING 7 250 1,750 22,750 GARDENING 4 125 500 6,500 CAR CALL 2 125 250 3,250 POSTEL SERVICES 2 125 250 3,250 3. ACCOUNTING & FINANCE MANAGER 1 1,250 1,250 16,250 30,000 30,000 ASSISTANT ACC. & FIN. MANAGER 1 750 750 9,750 20,000 20,000 CASHIERS 1 200 200 2,600 COST CONTROL 2 350 700 9,100 PURCHASING 1 350 350 4,550 4. SECRETARY 1 300 300 3,900 ADMINISTRTION 2 300 600 7,800 5. GEN, AFFAIR & PERSONNEL MANAGER 1 1,250 1,250 16,250 30,000 30,000 HRD STAFF 2 300 600 7,800 SECURITY 20 150 3,000 39,000 DRIVERS 2 150 300 3,900 15,000 30,000 TOTAL 83 22,800 296,400 6. MARKETING & SALES MANAGER **) 1 2,500 2,500 32,500 30,000 30,000 ASSISTANT MARKETING MANAGER 1 1,500 1,500 19,500 15,000 15,000 MARKETING EXECUTIVE 2 476 952 12,376 15,000 30,000 4 4,952 64,376 325,000 *) Including THR Expenses **) Replacing Marketing Agancy Role in year-5 MAIN MENU APPENDIX-10 PT OFFICE BUILDING FINANCIAL RATIO AND BREAK EVEN POINT IN 000 US$ DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 YEAR 11 YEAR 12 PAY BACK PERIOD - INVESTMENT (18,612) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) - RETAINED EARNING 0 0 (104) 111 659 1,578 2,909 4,627 6,647 8,668 10,828 13,132 15,900 18,827 - ACCUMULATED DIVIDEND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - INTEREST EXPENSE 0 0 1,095 2,099 2,974 3,689 4,213 4,528 4,602 4,602 4,602 4,602 4,602 4,602 - DEPRECIATION & AMORTIZATION 0 0 1,420 2,840 4,260 5,680 7,100 8,520 9,940 11,360 12,780 14,200 15,175 16,150 (PROFIT + AMORTIZ. + DEPRECT.) - INVESTMENT (18,612) (28,975) (26,565) (23,925) (21,082) (18,028) (14,753) (11,300) (7,786) (4,344) (764) 2,960 6,703 10,605 ACID TEST (LIQUIDITY) : - CURRENT ASSETS 0 0 1,144 1,371 1,438 1,633 1,996 2,187 3,998 7,424 11,060 14,844 18,649 22,615 - CURRENT LIABILITIES 0 1,000 1,500 2,000 2,250 2,500 3,000 1,683 0 0 0 0 0 0 (CURRENT ASSETS : CURRENT LIABILITIES) x 100% 0.00% 0.00% 76.26% 68.57% 63.92% 65.32% 66.53% 129.94% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PROFIT MARGIN : - NET PROFIT 0 0 (104) 215 548 919 1,330 1,718 2,019 2,022 2,160 2,304 2,768 2,927 - SALES 0 0 3,313 3,682 4,077 4,498 4,949 5,159 5,378 5,312 5,539 5,777 6,025 6,285 (NET PROFIT : SALES) x 100 % 0% 0% 0% 6% 13% 20% 27% 33% 38% 38% 39% 40% 46% 47% R. O. I : - OPERATING INCOME 0 0 990 1,312 1,658 2,028 2,425 2,770 2,960 2,888 3,085 3,292 3,954 4,181 - TOTAL ASSETS 18,612 28,975 28,699 27,506 26,153 24,928 23,871 22,642 23,033 25,038 27,255 29,619 32,448 35,440 (OPERATING INCOME : TOTAL ASSETS) x 100 % 0.00% 0.00% 3.45% 4.77% 6.34% 8.14% 10.16% 12.23% 12.85% 11.54% 11.32% 11.11% 12.18% 11.80% Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 12. R. O. E. : - NET PROFIT 0 0 (104) 215 548 919 1,330 1,718 2,019 2,022 2,160 2,304 2,768 2,927 - SHARE HOLDERS' EQUITY 5,833 8,808 8,703 8,918 9,467 10,386 11,716 13,435 15,454 17,476 19,636 21,940 24,708 27,635 (NET PROFIT : EQUITY) x 100 % 0.00% 0.00% 0.00% 2.41% 5.79% 8.85% 11.36% 12.79% 13.07% 11.57% 11.00% 10.50% 11.20% 10.59% DEBT TO EQ. : - TOTAL LIABILITIES 12,778 20,167 19,996 18,588 16,686 14,542 12,155 9,207 7,579 7,562 7,619 7,679 7,741 7,806 - SHARE HOLDERS' EQUITY 5,833 8,808 8,703 8,918 9,467 10,386 11,716 13,435 15,454 17,476 19,636 21,940 24,708 27,635 (TOTAL LIABILITIES : EQUITY) x 100 % 0.00% 228.98% 229.75% 208.42% 176.27% 140.02% 103.74% 68.53% 49.04% 43.27% 38.80% 35.00% 31.33% 28.25% DEBT TO ASSETS - TOTAL LIABILITIES 12,778 20,167 19,996 18,588 16,686 14,542 12,155 9,207 7,579 7,562 7,619 7,679 7,741 7,806 - TOTAL ASSETS 18,612 28,975 28,699 27,506 26,153 24,928 23,871 22,642 23,033 25,038 27,255 29,619 32,448 35,440 (TOTAL LIABILITIES : TOTAL ASSETS) x 100 % 0.00% 69.60% 69.67% 67.58% 63.80% 58.34% 50.92% 40.66% 32.90% 30.20% 27.96% 25.92% 23.86% 22.02% BREAK EVEN POINT FORMULA TOTAL REVENUE A 3,313 3,682 4,077 4,498 4,949 5,159 5,378 5,312 5,539 5,777 6,025 6,285 TOTAL VARIABEL COST B 452 475 499 525 552 485 499 502 517 532 548 564 CONTRIBUTION MARGIN C 2,862 3,207 3,577 3,973 4,397 4,674 4,879 4,810 5,022 5,244 5,477 5,721 FIXED COST D 2,966 2,992 3,029 3,054 3,067 2,956 2,859 2,788 2,863 2,940 2,709 2,794 BREAK EVEN POINT (% RENTABLE) D/(A-B) 103.65% 93.29% 84.68% 76.86% 69.74% 63.23% 58.61% 57.97% 57.00% 56.06% 49.47% 48.84% BREAK EVEN POINT (M2) D/(A-B) 14,321 13,748 13,259 12,743 12,206 11,067 10,257 9,611 9,450 9,295 8,202 8,097 BREAK EVEN POINT ( US$) D/(1-(B/A) 3,434 3,435 3,452 3,457 3,451 3,262 3,152 3,079 3,157 3,238 2,981 3,070 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 13. YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 26,752 31,067 35,570 40,269 45,174 50,295 55,644 61,232 24,850 24,850 24,850 24,850 24,850 24,850 24,850 24,850 (13,000) (13,975) (14,950) (15,925) (16,900) (17,875) (18,850) (19,825) 11,850 10,875 9,900 8,925 7,950 6,975 6,000 5,025 4,125 4,125 4,125 4,125 4,125 4,125 4,125 4,125 (4,125) (4,125) (4,125) (4,125) (4,125) (4,125) (4,125) (4,125) 0 0 0 0 0 0 0 0 38,602 41,942 45,470 49,194 53,124 57,270 61,644 66,257 1,639 1,710 1,785 1,863 1,944 2,029 2,118 2,212 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,639 1,710 1,785 1,863 1,944 2,029 2,118 2,212 6,234 6,234 6,234 6,234 6,234 6,234 6,234 6,234 8,808 8,808 8,808 8,808 8,808 8,808 8,808 8,808 0 0 0 0 0 0 0 0 21,921 25,190 28,643 32,289 36,138 40,199 44,484 49,004 30,729 33,998 37,451 41,097 44,945 49,007 53,292 57,811 38,602 41,942 45,470 49,194 53,124 57,270 61,644 66,257 0 0 0 0 0 0 0 0 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 6,625 6,912 7,213 7,528 7,857 8,202 8,562 8,940 6,557 6,841 7,139 7,450 7,776 8,117 8,473 8,846 (1,571) (1,639) (1,710) (1,785) (1,863) (1,944) (2,029) (2,118) 1,639 1,710 1,785 1,863 1,944 2,029 2,118 2,212 1,162 1,196 1,231 1,267 1,303 1,340 1,377 1,415 545 564 584 604 626 647 670 694 274 283 293 304 314 325 337 348 139 136 133 128 123 116 107 98 99 107 116 125 135 146 157 170 31 31 31 31 31 31 31 31 75 75 75 75 75 75 75 75 5,463 5,716 5,982 6,261 6,555 6,862 7,185 7,525 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 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 14. 0 0 0 0 0 0 0 0 1,326 1,401 1,480 1,563 1,649 1,741 1,836 1,937 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 1,326 1,401 1,480 1,563 1,649 1,741 1,836 1,937 0 0 0 0 0 0 0 0 4,137 4,315 4,502 4,699 4,905 5,122 5,349 5,588 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 22,615 26,752 31,067 35,570 40,269 45,174 50,295 55,644 26,752 31,067 35,570 40,269 45,174 50,295 55,644 61,232 4,137 4,315 4,502 4,699 4,905 5,122 5,349 5,588 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 4,818 5,059 5,312 5,577 5,856 6,149 6,456 6,779 1,739 1,783 1,827 1,873 1,920 1,968 2,017 2,067 6,557 6,841 7,139 7,450 7,776 8,117 8,473 8,846 545 564 584 604 626 647 670 694 274 283 293 304 314 325 337 348 139 136 133 128 123 116 107 98 99 107 116 125 135 146 157 170 31 31 31 31 31 31 31 31 75 75 75 75 75 75 75 75 975 975 975 975 975 975 975 975 0 0 0 0 0 0 0 0 2,137 2,171 2,206 2,242 2,278 2,315 2,352 2,390 4,420 4,670 4,933 5,209 5,498 5,802 6,121 6,456 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4,420 4,670 4,933 5,209 5,498 5,802 6,121 6,456 1,326 1,401 1,480 1,563 1,649 1,741 1,836 1,937 3,094 3,269 3,453 3,646 3,849 4,061 4,285 4,519 0 0 0 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 15. 21,921 25,190 28,643 32,289 36,138 40,199 44,484 49,004 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 220 220 220 220 220 220 220 220 229 229 229 229 229 229 229 229 231 231 231 231 231 231 231 231 295 295 295 295 295 295 295 295 0 0 0 0 0 0 0 0 --------------- --------------- --------------- --------------- --------------- --------------- --------------- --------------- 975 975 975 975 975 975 975 975 59.73 61.82 63.98 66.22 68.54 70.94 73.42 75.99 62.23 64.41 66.66 69.00 71.41 73.91 76.50 79.18 62.95 65.15 67.43 69.79 72.23 74.76 77.38 80.09 8.84 9.15 9.47 9.80 10.14 10.50 10.87 11.25 193.75 200.53 207.55 214.81 222.33 230.11 238.16 246.50 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 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 6,234 6,234 6,234 6,234 6,234 6,234 6,234 6,234 0 0 0 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 16. 0 0 0 0 0 0 0 0 ======== ======== ======== ======== ======== ======== ======== ======== 387 399 410 422 434 447 459 472 0 0 0 0 0 0 0 0 0 (1,571) (1,639) (1,710) (1,785) (1,863) (1,944) (2,029) (2,118) 0 1,639 1,710 1,785 1,863 1,944 2,029 2,118 2,212 0 319 328 336 344 353 361 370 378 8 8 8 8 8 9 9 9 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 574 594 615 637 659 682 706 731 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 542,625 561,617 581,273 601,618 622,674 644,468 667,024 690,370 231 239 247 256 265 274 284 294 574 594 615 637 659 682 706 731 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 62,014 64,185 66,431 68,756 71,163 73,653 76,231 78,899 26 27 28 29 30 31 32 34 574 594 615 637 659 682 706 731 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 90.00% 38,759 40,115 41,520 42,973 44,477 46,033 47,645 49,312 16 17 18 18 19 20 20 21 643,398 665,917 689,224 713,347 738,314 764,155 790,900 818,582 274 283 293 304 314 325 337 348 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 17. YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) (28,975) 21,921 25,190 28,643 32,289 36,138 40,199 44,484 49,004 0 0 0 0 0 0 0 0 4,602 4,602 4,602 4,602 4,602 4,602 4,602 4,602 17,125 18,100 19,075 20,050 21,025 22,000 22,975 23,950 14,674 18,918 23,346 27,967 32,790 37,827 43,087 48,581 26,752 31,067 35,570 40,269 45,174 50,295 55,644 61,232 0 0 0 0 0 0 0 0 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3,094 3,269 3,453 3,646 3,849 4,061 4,285 4,519 6,557 6,841 7,139 7,450 7,776 8,117 8,473 8,846 47% 48% 48% 49% 49% 50% 51% 51% 4,420 4,670 4,933 5,209 5,498 5,802 6,121 6,456 38,602 41,942 45,470 49,194 53,124 57,270 61,644 66,257 11.45% 11.13% 10.85% 10.59% 10.35% 10.13% 9.93% 9.74% Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 18. 3,094 3,269 3,453 3,646 3,849 4,061 4,285 4,519 30,729 33,998 37,451 41,097 44,945 49,007 53,292 57,811 10.07% 9.62% 9.22% 8.87% 8.56% 8.29% 8.04% 7.82% 7,874 7,945 8,019 8,097 8,178 8,263 8,353 8,446 30,729 33,998 37,451 41,097 44,945 49,007 53,292 57,811 25.62% 23.37% 21.41% 19.70% 18.20% 16.86% 15.67% 14.61% 7,874 7,945 8,019 8,097 8,178 8,263 8,353 8,446 38,602 41,942 45,470 49,194 53,124 57,270 61,644 66,257 20.40% 18.94% 17.64% 16.46% 15.39% 14.43% 13.55% 12.75% 6,557 6,841 7,139 7,450 7,776 8,117 8,473 8,846 581 598 616 633 651 670 689 708 5,976 6,243 6,523 6,817 7,124 7,447 7,785 8,139 2,882 2,974 3,070 3,171 3,276 3,385 3,500 3,619 48.23% 47.64% 47.07% 46.51% 45.98% 45.46% 44.96% 44.47% 7,996 7,898 7,804 7,712 7,623 7,537 7,454 7,373 3,162 3,259 3,360 3,465 3,575 3,690 3,809 3,934 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 19. MAIN MENU APPENDIX-09 PT OFFICE BUILDING INTEREST DURING CONSTRUCTION & REPAYMENT SCHEDULE IN 000 US$ YEAR MONTH WITHD- BEGINNINGINTEREST INSTALL- ENDING RAWAL BALANCE 8.00% MENT BALANCE 0 2 1,218 1,218 1,218 4 1,021 2,239 16.290 2,255 6 1,021 3,276 30.164 3,306 8 1,021 4,327 44.224 4,371 10 1,021 5,392 58.472 5,450 12 1,021 6,471 72.910 6,544 14 1,085 7,629 87.542 7,716 16 1,085 8,801 103.228 8,905 18 1,085 9,990 119.123 10,109 20 1,085 11,194 135.231 11,329 22 1,142 12,471 151.555 12,622 24 1,142 13,764 168.858 13,933 --------------- --------------- --------------- --------------- --------------- ------------- --------------- ------------- --------------- 12,945 987.598 --------------- --------------- --------------- --------------- --------------- ------------- --------------- ------------- --------------- 1 1 13,933 279 13,933 2 13,933 279 500 13,433 3 13,433 269 13,433 4 13,433 269 1,095 500 1,000 12,933 2 1 12,933 259 12,933 2 12,933 259 750 12,183 3 12,183 244 12,183 4 12,183 244 1,005 750 1,500 11,433 3 1 11,433 229 11,433 2 11,433 229 1,000 10,433 3 10,433 209 10,433 4 10,433 209 875 1,000 2,000 9,433 4 1 9,433 189 9,433 2 9,433 189 1,000 8,433 3 8,433 169 8,433 4 8,433 169 715 1,250 2,250 7,183 5 1 7,183 144 7,183 2 7,183 144 1,250 5,933 3 5,933 119 5,933 4 5,933 119 525 1,250 2,500 4,683 6 1 4,683 94 4,683 2 4,683 94 1,500 3,183 3 3,183 64 3,183 4 3,183 64 315 1,500 3,000 1,683 7 1 1,683 34 1,683 2 1,683 34 1,500 183 3 183 4 183 4 183 4 75 183 1,683 0 ======== ======== ======== ======== ======== ======= ======== ======= ======== 8 1 0 0 0 2 0 0 0 3 0 0 0 4 0 0 0 0 0 9 1 0 0 0 2 0 0 0 3 0 0 0 4 0 0 0 0 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
  • 20. 10 1 0 0 0 2 0 0 0 3 0 0 0 4 0 0 0 0 0 11 1 0 0 0 2 0 0 0 3 0 0 0 4 0 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis: Harmaizar Zaharuddin.
  • 21. MAIN MENU APPENDIX-10 PT OFFICE BUILDING INTERNAL RATE OF RETURN IN 000 US$ DESCRIPTION YEAR 0 YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR 10 IRR ON EQUITY (CASH FLOW): EQUITY (5,833) (2,974) 0 0 0 0 0 0 0 0 0 0 CASH BALANCE ANNUAL 0 0 1,144 227 67 195 363 191 1,811 3,425 3,637 3,784 DIVIDEN 0 0 0 0 0 0 0 0 0 0 0 0 SALVAGE VALUE INTERNAL RATE OF RETURN 16.41% (5,833) (2,974) 1,144 227 67 195 363 191 1,811 3,425 3,637 3,784 NET PRESENT VALUE (NPV) 12,120.21 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.
  • 22. YEAR 11 YEAR 12 YEAR 13 YEAR 14 YEAR 15 YEAR 16 YEAR 17 YEAR 18 YEAR 19 YEAR 20 0 0 0 0 0 0 0 0 0 0 3,805 3,967 4,137 4,315 4,502 4,699 4,905 5,122 5,349 5,588 0 0 0 0 0 0 0 0 0 0 5,025 3,805 3,967 4,137 4,315 4,502 4,699 4,905 5,122 5,349 10,613 Bagian dari Buku "Menggali Potensi Wirausaha" Penulis Harmaizar Zaharuddin.