KP BAB 6.docx - 37 Nilai sekarang dari anuitas bertumbuh...

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37. Nilai sekarang dari anuitas bertumbuh : Diketahui : g = tingkat pertumbuhan = 5% r = tingkat diskonto = 8% C = $ 1.000.000 Ditanyakan : Nilai sekarang dari anuitas bertumbuh Jawab : C x 1 –[ 1 + g 1 + r ] 1 r – g PV = $ 1.000.000 x 1 –[ 1 + 0,05 1 + 0,08 ] 30 0,08 – 0,05 = $ 1.000.000 x 0,02 0,03 = $ 1.000.000 x 0,6666666667 = $ 666.666,6667 41. Menghitung Nilai Sekarang dari Anuitas Dari pinjaman bank sebesar $ 73.000 selama 60 bulan dengan pembayaran sebesar $1.450 setiap bulannya. Dan kita mencari tingkat bunga tertinggi untuk mendapat APR tertinggi. $ 73.000 = $ 1.450 x [ (1-faktor nilai sekarang)/r ] $ 73.000/1450 = 50,35 = [ 1 – (1/1+r) 60 )/r ] Kita harus memulaidi suatu bagian, dari 10 % mungkin merupakan bagian yang tepat untuk memulainya. Pada tingkat bunga 10%. Factor anuitasnya : PV = $ 1.450 x [ 1 – ( 1/1,10 60 )/0,10 ] = 14.454,15
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Karena masih terpaut jauh, kita akan mencoba menaikkan tingkat bunga : PV = $ 1.450 x [ 1 – ( 1/1,15 60 )/0,15 ] = $ 9.664,45 Dan kita mengetahui, jika menaikkan tingkat bunga, nilai sekarang akan semakin rendah. Jadi, kita akan mencoba ketingkat bunga yang rendah yaitu 5%
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