tag:blogger.com,1999:blog-33351906987526131122024-03-07T19:27:15.330-08:00Proposal UsahaProposal Usahahttp://www.blogger.com/profile/10351430342388371905noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-3335190698752613112.post-34883485046641972372012-02-25T23:30:00.002-08:002012-02-25T23:30:54.143-08:00Proposal Bisnis Toko TV, Audio & Video<br />
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……….., ………… 200…..</div>
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Kepada Yth,</div>
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<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Rekan / Bank ……..<o:p></o:p></span></b></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Di <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Dengan Hormat,<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Perihal: <b><u>Laporan Studi Kelayakan Bisnis Toko TV,
Audio & Video</u></b><o:p></o:p></span></div>
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Bersama <st1:city w:st="on"><st1:place w:st="on">surat</st1:place></st1:city> ini kami kirimkan
proposal studi kelayakan bisnis dalam bidang usaha Toko TV, Audio & Video. Toko
TV, Audio & Video ini merupakan usaha baru saya dan saat ini saya masih
kerja pada perusahaan swasta, sedangkan yang mengurus usaha ini adalah istri
saya. Lokasi usaha ini sangat strategis terletak di pusat perpelanjaan dan
station kereta api.</div>
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Besarnya
investasi pembangunan usaha ini adalah Rp 186.378.000 (Seratus delapan puluh enam
juta tiga ratus tujuh puluh delapan ribu rupiah). Sedangkan modal kami saat ini
sebesar Rp 93.189.000, <b>maka kekurangan dana investasi sebesar Rp 93.189.000 (Sembilan
puluh tiga juta seratus delapan puluh sembilan ribu rupiah)</b> kami
mengharapkan dapat bantuan kredit investasi dari Bank.</div>
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Selanjutnya
sebagai bahan pertimbangan dan analisa, kami lengkapi proposal ini dengan hasil
analisa tentang rencana perluasan usaha.</div>
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Demikianlah <st1:city w:st="on"><st1:place w:st="on">surat</st1:place></st1:city> permohonan ini
besar harapan kami mendapat dukungan dana dari bank yang bapak pimpin.</div>
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Terimakasih
atas perhatiannya.</div>
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Hormat Kami,</div>
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Agusolah N.</div>
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<b><span style="font-family: "Impact","sans-serif"; font-size: 24.0pt;">STUDI
KELAYAKAN BISNIS<br />
</span></b><b><span style="font-size: 18.0pt; text-effect: outline;"> TOKO TV, AUDIO & VIDEO</span></b><o:p></o:p></div>
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<span style="font-size: 12.0pt;">Pada suatu daerah di pinggiran <st1:city w:st="on"><st1:place w:st="on">kota</st1:place></st1:city> besar terdapat stasiun kereta api dan di
pinggir jalannya berdiri sederetan ruko-ruko serta tidak jauh dari <st1:city w:st="on"><st1:place w:st="on">sana</st1:place></st1:city> terdapat sebuah mal.
Daerah itu cukup ramai didatangi pengunjung, baik yang pergi ke mal, ruko
ataupun yang akan ke stasiun. Disana ada sebuah ruko dengan ukuran lebar <st1:metricconverter productid="4 m" w:st="on">4 m</st1:metricconverter> x <st1:metricconverter productid="5 m" w:st="on">5 m</st1:metricconverter> yang ramai pengunjungnya.
Ruko tersebut merupakan toko serba ada atas produk elektronik yang menjual televise,
Audio, Video dan juga spare parts elektronik. Tapi sayangnya banyak pengunjung
ke toko tersebut kecewa atas produk elektronik karena terbatasnya type, ukuran
ataupun merk.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Dari informasi yang saya dapat penyebabnya adalah
kecil/terbatasnya toko tersebut sehingga tidak ada tempat untuk menempatkan
lebih banyak produk Elektronik.<o:p></o:p></span></div>
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<span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; mso-bidi-font-weight: bold; text-transform: uppercase;">I. KEPEMILIKAN
DAN Pengurus Usaha<o:p></o:p></span></div>
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<b><u>Pemrakarsa<o:p></o:p></u></b></div>
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<span style="font-size: 12.0pt;">Berdasarkan latar belakang diatas dan mengingat
didaerah tersebut belum ada yang khusus menjual TV, Audio & Video saja, dan
kebetulan di daerah tersebut masih ada ruko yang dikontrakkan, maka saya
merencanakan membangun usaha Toko TV, Audio & Video. Mengingat keterbatasan
dana dalam membangun usaha tersebut, saya bermaksud untuk mengajak rekan-rekan
untuk bermitra dalam membuka usaha tersebut dan juga kepada bank berkenan untuk
meminjamkan dananya untuk menutupi kekurangan dana investasi saya.<o:p></o:p></span></div>
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<b><u>Kepemilikan Usaha<o:p></o:p></u></b></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Usaha Toko TV, Audio & Video ini merupakan usaha
perorangan, dimana pengurus usaha adalah:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pemilik /
Pimpinan Usaha : Agusolah N.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pengurus Harian : Aisyah A. (Istri)<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Dibantu oleh : 6 orang karyawan<o:p></o:p></span></div>
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<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Riwayat hidup pemilik.</span></b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Saat ini saya masih bekerja
pada sebuah perusahaan swasta, sedangkan yang mengurus usaha saya merupakan istri
saya. Untuk lebih jelas tentang riwayat hidup atau <i>Curriculum Vitae</i> (CV) saya, maka saya lampirkan dalam proposal ini.<o:p></o:p></span></div>
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<b><u>Modal Usaha<o:p></o:p></u></b></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal dasar usaha dan telah disetorkan sebesar Rp 93.189.000
(Sembilan puluh tiga juta seratus delapan puluh sembilan ribu rupiah).<o:p></o:p></span></div>
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<b><u>Surat-Surat Izin<o:p></o:p></u></b></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat-surat izin dan referensi yang telah dimiliki
dan Photo Copinya dilampirkan dalam proposal ini adalah:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><st1:city w:st="on"><st1:place w:st="on"><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat</span></st1:place></st1:city><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> izin Domisili<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">SIUP (<st1:city w:st="on"><st1:place w:st="on">Surat</st1:place></st1:city>
Izin Usaha Pengusaha)<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">TDP (Tanda Dartar Perusahaan)<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">NPWP (Nomor Pokok Wajik Pengusaha)<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><st1:city w:st="on"><st1:place w:st="on"><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat</span></st1:place></st1:city><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Kawin<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kartu keluarga<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kartu tanda penduduk (KTP)<o:p></o:p></span></div>
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<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">II. Pemasaran<o:p></o:p></span></b></div>
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<b><u>Segmentasi Pasar.<o:p></o:p></u></b></div>
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<span style="font-size: 12.0pt;">Yang dimaksud dengan produk TV, Audio & Video adalah:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-size: 12.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt;">TV (Televisi) merupakan
TV yang diperuntukan untuk rumah tinggal, jenis TV yang dijual adalah jenis TV
flatron dari ukuran 14 inci hingga 29 inci dan TV LCD flatiron ukuran masimal
34 inci.<o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-size: 12.0pt;">Audio & Video
adalah alat, penerima dan pemutar kaset atau CD yang menghasilkan suara maupun
gambar. </span><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><o:p></o:p></span></div>
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<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Sedangkan segmentasi yang dituju adalah warga <st1:city w:st="on"><st1:place w:st="on">kota</st1:place></st1:city> yang sering datang
atau melewati daerah tersebut.<o:p></o:p></span></div>
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<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Permintaan<o:p></o:p></span></u></b></div>
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<span style="font-size: 12.0pt;">Dari hasil wawancara dengan toko Elektronik serba ada
tersebut, bahwa omset untuk produk TV, Audio & Video mencapai Rp
200.000.000 perbulan dan mungkin lebih, karena ditempat toko tersebut tidak
komplit.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Dengan rencana penjualan TV, Audio & Video yang
sangat berbeda baik kualitas, merek, jenis dan ukurannya serta <b>cara pemasaran yang cukup modern</b>, maka
diperkirakan omset penjualan TV, Audio & Video didaerah tersebut akan naik
dratis, dan diperkirakan akan mencapai 2 kali lipat dalam waktu 4 bulan.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Dan juga diperkirakan separoh dari omset toko tersebut
akan tersedot ke toko yang saya akan bangun.<o:p></o:p></span></div>
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<b><u>Pesaing<o:p></o:p></u></b></div>
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Pada lokasi usaha yang saya akan bangun sudah ada 1 pesaing, tapi
mereka tidak fokus dalam memasarkan produk tersebut. sehingga <i>market share</i> (bagian pasar) sebagian
besar akan ketarik keusaha saya. <o:p></o:p></div>
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<b><u>Peluang<o:p></o:p></u></b></div>
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Atas dasar ilustrasi sebelumnya maka dapat saya proyeksikan permintaan omset
penjualan. Untuk tahap awal diperkirakan penjualan belum mencapai rata-rata
permintaan pasar, karena belum dikenal masyarakat. Tapi dengan adanya strategi
baru diperkirakan dalam 3 bulan omset penjualan sudah mecapai rata-rata
permintaan pasar dan akan terus naik hingga mencapai 2 kali lipat dari
permintaan rata-rata tersebut. <o:p></o:p></div>
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Sehingga omset awal bulan operasional kurang lebih 75% dari bagian
pasar, yaitu: Rp 200.000.000 : 2 x 75% = Rp 75.000.000/bulan. Lebih jelas
perhatikan table dibawah ini <o:p></o:p></div>
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Proyeksi omset penjualan Toko TV, Audio & Video:<o:p></o:p></div>
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Bulan<o:p></o:p></div>
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Market Share Didapat<br />
(Rp)<o:p></o:p></div>
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Kenaikan<br />
(%)<o:p></o:p></div>
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<!--[endif]-->
</tr>
<tr style="height: 19.8pt; mso-yfti-irow: 1;">
<!--[if !supportMisalignedRows]-->
<td height="26" style="border: none; height: 19.8pt;" width="0"></td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-1<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">75,000,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-2<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">112,500,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">50.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-3<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">157,500,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">40.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-4<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">189,000,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">20.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-5<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">207,900,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">10.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-6<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">228,690,000<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">10.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-7<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">5.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-8<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-9<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-10<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-11<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.25pt;" valign="top" width="83">
<div class="MsoBodyText3">
Bulan-12<o:p></o:p></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.6pt;" valign="top" width="113">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">240,124,500<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 78.15pt;" valign="top" width="104">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">0.00%<o:p></o:p></span></b></div>
</td>
<!--[if !supportMisalignedRows]-->
<td style="border: none;" width="0"><div class="MsoNormal">
<br /></div>
</td>
<!--[endif]-->
</tr>
</tbody></table>
<div class="MsoBodyText3">
<br /></div>
<div class="MsoBodyText3">
<b><u>Porsi, Margin, dan Harga
Jual<o:p></o:p></u></b></div>
<div class="MsoBodyText3">
Perkiraan porsi, margin , dan omset penjualan pada awal bulan operasi
adalah:<o:p></o:p></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 5.4pt; width: 457px;">
<tbody>
<tr style="height: 16.5pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="" style="border-right: none; border: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 135.0pt;" valign="bottom" width="180">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">Item<o:p></o:p></span></b></div>
</td>
<td colspan="2" nowrap="" style="border-bottom: solid windowtext 1.5pt; border-left: none; border-right: none; border-top: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 129.8pt;" valign="bottom" width="173">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12.0pt;">Porsi
Omset<o:p></o:p></span></b></div>
</td>
<td nowrap="" style="border-left: none; border: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.6pt;" valign="bottom" width="103">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-family: "SWISS","serif"; font-size: 12.0pt;">Margin<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 1;">
<td nowrap="" style="border-left: solid windowtext 1.5pt; border: none; height: 15.75pt; mso-border-top-alt: solid windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 135.0pt;" valign="bottom" width="180">
<div class="MsoNormal">
<span style="font-size: 12.0pt;">Televisi (TV)<o:p></o:p></span></div>
</td>
<td nowrap="" style="border: none; height: 15.75pt; mso-border-top-alt: solid windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">50.00%<o:p></o:p></span></div>
</td>
<td nowrap="" style="border: none; height: 15.75pt; mso-border-top-alt: solid windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: .9in;" valign="bottom" width="86">
<div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "SWISS","serif"; font-size: 12.0pt;">60.000.000<o:p></o:p></span></div>
</td>
<td nowrap="" style="border-right: solid windowtext 1.5pt; border: none; height: 15.75pt; mso-border-top-alt: solid windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.6pt;" valign="bottom" width="103">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-family: "SWISS","serif"; font-size: 12.0pt;">20.00%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 2;">
<td nowrap="" style="border-left: solid windowtext 1.5pt; border: none; height: 15.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 135.0pt;" valign="bottom" width="180">
<div class="MsoNormal">
<span style="font-size: 12.0pt;">Audio & Video<o:p></o:p></span></div>
</td>
<td nowrap="" style="height: 15.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">50.00%<o:p></o:p></span></div>
</td>
<td nowrap="" style="height: 15.75pt; padding: 0in 5.4pt 0in 5.4pt; width: .9in;" valign="bottom" width="86">
<div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "SWISS","serif"; font-size: 12.0pt;">90.000.000<o:p></o:p></span></div>
</td>
<td nowrap="" style="border-right: solid windowtext 1.5pt; border: none; height: 15.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.6pt;" valign="bottom" width="103">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-family: "SWISS","serif"; font-size: 12.0pt;">20.00%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 16.5pt; mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td nowrap="" style="border-right: none; border: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 135.0pt;" valign="bottom" width="180">
<div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-size: 12.0pt;">Omset Penjualan<o:p></o:p></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.5pt; border-left: none; border-right: none; border-top: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">100.00%<o:p></o:p></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.5pt; border-left: none; border-right: none; border-top: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: .9in;" valign="bottom" width="86">
<div align="right" class="MsoNormal" style="text-align: right;">
<b><span style="font-family: "SWISS","serif"; font-size: 12.0pt;">75.000.000<o:p></o:p></span></b></div>
</td>
<td nowrap="" style="border-left: none; border: solid windowtext 1.5pt; height: 16.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.6pt;" valign="bottom" width="103">
<div align="right" class="MsoNormal" style="text-align: right;">
<br /></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText3">
<br /></div>
<div class="MsoBodyText3" style="margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">III. Lokasi dan Teknis<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
<b><u>Lokasi Usaha<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Lokasi usaha terletak pada akses masuk ke beberapa
perumahan. Lokasi tersebut cukup strategis yang terletak pas didepan komplek
atau perumahan yang cukup besar serta <u>+</u>
<st1:metricconverter productid="1 km" w:st="on">1 km</st1:metricconverter> dari
kawasan industri. <o:p></o:p></span></div>
<div class="MsoBodyText3">
Perlengkapan usaha yang diperlukan dalam membangun usaha
ini adalah:</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<a href="" name="OLE_LINK2"><!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Kontrak Ruko </a><st1:metricconverter productid="35 m2" w:st="on">35 m2</st1:metricconverter> selama 1 tahun Rp 40.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Renovasi Rp 5.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Rak 6 unit x @
Rp 500.000 Rp 3.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Mobil Pickup Second 1 unit x @ Rp 20.000.000 Rp
20.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Sepeda Motor 1 unit @ Rp 12.000.000 Rp 12.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Meja, Kursi, dan lain-lain Rp 2.000.000</div>
<div class="MsoBodyText3" style="margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">IV. Proyeksi Keuangan<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
Total biaya pembangunan Usaha Toko TV, Audio & Video ini
sebesar Rp 186.378.000, dengan rincian sebagai berikut:</div>
<div class="MsoBodyText3">
<b>Investasi tetap:<o:p></o:p></b></div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Kontrak Ruko =
Rp 40.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Renovasi =
Rp 5.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Rak =
Rp 3.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Mobil Pickup Second =
Rp 20.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Sepeda Motor =
Rp 12.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 4.0in 292.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Meja, kursi, dll <u>=
Rp 2.000.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-left: 2.0in; tab-stops: 3.0in 4.0in;">
<b>Total = Rp 82.000.000<o:p></o:p></b></div>
<div class="MsoBodyText3">
<b>Modal Kerja:<o:p></o:p></b></div>
<div class="MsoBodyText3" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list 14.2pt left 4.0in; text-indent: -14.2pt;">
<!--[if !supportLists]-->1.<span style="font-size: 7pt;"> </span><!--[endif]--><b>Modal Kerja</b> operational untuk 2 bulan = <u>Rp. 104.378.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-bottom: 6.0pt; margin-left: 2.0in; margin-right: 2.15pt; margin-top: 6.0pt; tab-stops: 4.0in;">
<b>Grand Total = RP 186.378.000<o:p></o:p></b></div>
<h2 style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt;">
<b><span style="font-size: 14.0pt; text-transform: uppercase;">Sumber Dana Investasi<o:p></o:p></span></b></h2>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kebutuhan dana dalam pembangunan usaha ini berasal
dari dana sendiri dan dana pinjaman dari bank. Yaitu:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; text-align: justify;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal sendiri<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Investasi Tetap Rp 41.000.000 (50%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal Kerja (2 Bulan) <u>Rp 52.189.000 (50%)<o:p></o:p></u></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total <b>Rp 93.189.000<o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 2.15pt; margin-top: 6.0pt; tab-stops: 2.0in; text-align: justify;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kredit Bank<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Investasi Tetap Rp 41.000.000
(50%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal Kerja (2 bulan) <u>Rp 52.189.000 (50%)<o:p></o:p></u></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .5in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total Rp
93.189.000<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 40.3pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: 40.5pt 2.0in;">
<b><span style="font-size: 12.0pt;">Grand Total Rp
186.378.000<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Asumsi Proyeksi Keuangan:<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Asumsi-asumsi proyeksi keuangan dapat dilihat pada <b>Formulir</b> lampiran keuangan, seperti: Harga
Jual, Harga Pokok, Biaya Operasional, Tenaga Kerja, Suku Bunga Bank, Rasio
Persediaan, Piutang, Hutang Dagang, Kenaikan Harga dan Biaya (<i>escalation</i>), Umur Ekonomis / Penyusutan, dan sebagainya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pembayaran Kredit<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Sedangkan pembayaran kredit akan dimulai dicicil
pada bulan kedua operasional, dan berakhir pada bulan ke-12. Lebih detail dapat
dilihat pada tabel dibawah ini atau pada lampiran-02 Proyeksi Aliran Dana)<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-top: 6.0pt;">
Tabel Jadwal Pembayaran Pokok dan
Bunga Kredit</div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" width="126">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pokok Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" width="132">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bunga Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">--<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">683<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">683<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">--<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">896<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">896<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,553<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">11,102<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,394<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,943<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,235<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,784<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,076<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,625<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">917<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,466<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">757<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,306<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">598<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">10,147<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">439<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">9,988<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9,549<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">280<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">9,829<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,248<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">121<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">7,369<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Proyeksi Laba Rugi<o:p></o:p></span></u></b></div>
<div class="MsoBodyText">
Pada bulan operasi pertama masih mengalami kerugian
sebesar <b>Rp (1.566.000)</b> dan bulan
kedua sudah mulai memperoleh laba sebesar <b>Rp
5.722.000</b>. Akumulasi keuntungan selama 1 tahun pertama adalah <b>Rp 281.732.000</b>.
Lebih ditail tentanng Proyeksi laba rugi
dapat dilihat pada Lampiran-03<b><o:p></o:p></b></div>
<div class="MsoBodyText">
<b><u>Analisa
Investasi<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Dalam analisa investasi kami menggunakan 2 metode, yaitu:</div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo3; tab-stops: list .25in; text-indent: -.25in;">
<!--[if !supportLists]-->1.<span style="font-size: 7pt;"> </span><!--[endif]--><b><i>Payback
Period</i></b> adalah suatu periode yang diperlukan untuk menutup kembali
investasi dengan menggunakan keuntungan ditambah penyusutan.</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b><i>Payback Period</i></b> usaha ini
adalah<b> 10 bulan.</b></div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo3; tab-stops: list .25in; text-indent: -.25in;">
<!--[if !supportLists]-->2.<span style="font-size: 7pt;"> </span><!--[endif]--><b><i>Internal
Rate of Return (IRR)</i></b> adalah tingkat bunga yang akan menjadi nilai
sekarang dari <i>proceeds</i> yang
diharapkan yang akan diteriama, sama dengan nilai sekarang dari pengeluaran
modal. IRR yang baik jika lebih besar dari tingkat suku bunga bank.</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b>IRR</b> 1 tahun sebesar<b> 10,24%.<o:p></o:p></b></div>
<div class="MsoBodyText" style="margin-top: 6.0pt;">
<b><u>Rasio Keuangan<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Metode yang digunakan adalah:</div>
<div class="MsoBodyText">
<b>Likuiditas</b>
adalah ukuran kemampuan usaha dalam memenuhi kewajiban lancarnya, minimal 1
atau 100%.</div>
<div class="MsoBodyText">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" width="126">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Likuiditas<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">79.04%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">114.07%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">122.27%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">134.34%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">149.50%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">165.36%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">185.70%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">211.78%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">239.15%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">269.86%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">304.56%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div class="MsoNormal">
<span style="font-size: 12pt;">340.14%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
Selanjunya lihat lampiran-0 atau 05</div>
<div class="MsoBodyText">
<b>Profitabilitas<o:p></o:p></b></div>
<div class="MsoBodyText">
Kemampuan usaha dalam menghasilkan laba dengan jumlah
harta yang telah ditanamkan, dapat diukur dengan <b>ROI<i> (Rate of return O Investment)</i></b>
dan<b><i>
</i>ROE<i> (Rate of return On Equity). </i></b>ROI
dan ROE yang baik lebih besar dari suku bunga bank<b><i>.<o:p></o:p></i></b></div>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">ROI<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">ROE<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">0.82%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">2.91%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">3.55%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">6.14%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">8.83%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">15.09%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">13.10%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">22.02%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">16.29%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">26.25%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">20.15%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">30.88%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">23.19%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">33.51%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">24.90%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">33.68%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">26.89%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">33.85%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">29.22%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">34.02%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">32.00%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">34.19%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" width="112">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">34.49%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="right" class="MsoNormal" style="margin-right: 17.1pt; text-align: right;">
<span style="font-size: 12pt;">34.36%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
Terlihat ROI dan ROE makin menigkat yang menyatakan proyek
ini layak dibangun. Selanjunya lihat lampiran-0 atau 05</div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; tab-stops: .5in; text-align: justify;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">V. Jaminan
Kredit.<o:p></o:p></span></b></div>
<div class="MsoBodyText2" style="margin-right: 2.15pt; text-align: justify;">
Jaminan
kredit usaha untuk pinjaman tersebut, kami bersedia menjaminkan sertifikat
rumah atas nama saya.</div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Penutup<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Demikianlah proposal permohonan kredit kami ini.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 0in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Besar
harapan kami untuk mendapatkan pinjaman kredit dari Bank yang Bapak pimpin.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Terimakasih atas kerja samanya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Hormat Kami,<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt; tab-stops: 3.95in;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt; mso-outline-level: 4; page-break-after: avoid;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Pemilik Usaha<o:p></o:p></span></div>Proposal Usahahttp://www.blogger.com/profile/10351430342388371905noreply@blogger.com2tag:blogger.com,1999:blog-3335190698752613112.post-81745288342351706602012-02-25T23:28:00.002-08:002012-02-25T23:28:48.643-08:00Proposal usaha Warung Sembako<br />
<div class="MsoHeading7">
……….., ………… 200…..</div>
<div class="MsoHeading7">
Kepada Yth,</div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bank ……..<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">……..<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Di <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">………… <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Dengan Hormat,<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Perihal: <b><u>Laporan Studi Kelayakan Bisnis Warung
Sembako</u></b><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Bersama <st1:city w:st="on"><st1:place w:st="on">surat</st1:place></st1:city> ini kami kirimkan
proposal studi kelayakan bisnis dalam bidang usaha Warung Sembako. Lokasi usaha
warung sembako ini sangat strategis karena terletak pada hook dan persimpangan
jalan dalam suatu perumahan yang menuju ke kavlingan dan perkampungan. </div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Besarnya
investasi pembangunan usaha ini adalah Rp 189.768.000 (Seratus delapan puluh
sembilan juta tujuh ratus enam puluh delpan ribu rupiah). Sedangkan modal kami
saat ini sebesar Rp 94.884.000, <b>maka kekurangan dana investasi sebesar Rp 94.884.000
(Sembilan puluh empat juta delanpan ratus delanpan puluh empat ribu rupiah)</b>
kami mengharapkan dapat bantuan kredit investasi dari Bank.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Selanjutnya
sebagai bahan pertimbangan dan analisa, kami lengkapi proposal ini dengan hasil
analisa tentang rencana perluasan usaha.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Demikianlah <st1:city w:st="on"><st1:place w:st="on">surat</st1:place></st1:city> permohonan ini
besar harapan kami mendapat dukungan dana dari bank yang bapak pimpin.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Terimakasih
atas perhatiannya.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Hormat Kami,</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Zulkarnain.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 10.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="page-break-before: always;" />
</span>
<div class="MsoTitle" style="margin-bottom: 24.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 0in;">
<b><span style="font-family: "Impact","sans-serif"; font-size: 24.0pt;">STUDI
KELAYAKAN BISNIS<br />
</span></b><span style="font-family: "Arial Black","sans-serif"; font-size: 18.0pt; mso-bidi-font-weight: bold; text-effect: outline; text-shadow: auto;"> WARUNG SEMBAKO<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Berhubung lokasi rumah saya terletak di hook dalam
suatu perumahan dan juga merupakan persimpangan jalan menuju perkampungan dan
kavlingan yang cukup padat penduduknya, sedangkan dalam radius <u>+</u> <st1:metricconverter productid="1 km" w:st="on">1 km</st1:metricconverter> belum ada yang membuka
warung sembako yang lengkap atau komplit. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Memang disana ada beberapa warung kecil tetapi isinya
tidak komplit. Masyarakat untuk membeli kebutuhan pokok yang tidak ada harus
menempuh jarak lebih dari <st1:metricconverter productid="1 km" w:st="on">1 km</st1:metricconverter>.<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: .5in;">
<span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; mso-bidi-font-weight: bold; text-transform: uppercase;">I. KEPEMILIKAN DAN Pengurus Usaha<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: 14.2pt;">
<b><u>Pemrakarsa<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Dengan latar belakang yang seperti diceritakan diatas,
maka saya merencanakan membangun usaha Warung Sembako. Mengingat keterbatasan
dana dalam membangun usaha tersebut, saya bermaksud untuk meminjam dana untuk
menutupi kekurangan dana investasi saya.<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: 21.3pt;">
<b><u>Kepemilikan Usaha<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Usaha Warung Sembako ini merupakan usaha perorangan,
dimana pengurus usaha adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; tab-stops: 2.0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pemilik /
Pimpinan Usaha : Zulkarnain.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; tab-stops: 2.0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pengurus : Novita
(istri) dibantu 2 orang karyawan<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Riwayat hidup pemilik.</span></b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Saat ini saya masih bekerja
pada sebuah perusahaan swasta, sedangkan yang mengurus usaha ini merupakan istri
saya sendiri. Untuk lebih jelas tentang riwayat hidup atau <i>Curriculum Vitae</i> (CV) saya, maka saya lampirkan dalam proposal ini.<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt;">
<b><u>Modal Usaha<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal dasar usaha dan telah disetorkan sebesar Rp 94.884.000
(Sembilan puluh empat juta delapan ratus delapan puluh emapt ribu rupiah).<o:p></o:p></span></div>
<div class="MsoHeading9">
<b><u>Surat-Surat Izin<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat-surat izin dan referensi yang telah dimiliki
dan Photo Copinya dilampirkan dalam proposal ini adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><st1:city w:st="on"><st1:place w:st="on"><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat</span></st1:place></st1:city><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> izin Domisili<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">SIUP (<st1:city w:st="on"><st1:place w:st="on">Surat</st1:place></st1:city>
Izin Usaha Pengusaha)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">TDP (Tanda Dartar Perusahaan)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">NPWP (Nomor Pokok Wajik Pengusaha)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Copy sertifikat rumah<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.15pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><st1:city w:st="on"><st1:place w:st="on"><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Surat</span></st1:place></st1:city><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Kawin<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.15pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kartu keluarga<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: .25in; margin-right: 2.15pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kartu tanda penduduk (KTP)<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">II. Pemasaran<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt;">Produk
& Segmentasi<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Produk usaha ini adalah menjual produk kebutuhan pokok
sehari-hari, misalnya: minyak goreng, beras, kopi, gula, permen, obat, tisu,
gas, baju dalamm, dan sebagainya, kecuali sayuran. Mirip dengan toko sembako <u>franchise</u>.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Segmentasi pasar adalah warga perumahan dan
perkampungan disekitar lokasi usaha tersebut.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt;">Permintaan<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Dari hasl survey ke warung-warung kecil disana, bahwa
omset rata-rata mereka sebesar Rp 150.000 perhari. Diperkirakan omset usaha ini
akan mencapai <u>+</u> Rp 1.500.000 perhari atau Rp 45.000.000 perbulan. Karena
besar toko ini dan banyak barangnya kurang lebih sepuluh kali lipat dari
warung-warung disekitarnya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Jika dilihat dari jumlah warga dengan radius <u>+</u> <st1:metricconverter productid="0,5 km" w:st="on">0,5 km</st1:metricconverter> sebesar <u>+</u> 100
KK, dan pendapatan mereka perbulan rata-rata Rp 2000.000, diperkirakan minimal
5% -10% dari pendapatan mereka belanja ditoko ini, yaitu: 1000 kk x Rp
2.000.000 x 5% = Rp 100.000.000.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt;">Pesaing<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Pesaing usaha ini adalah warung-warung kecil yang
berkisar didaerah tersebut. Tapi dengan komplit atau lengkapnya toko ini akan
menyerap sebagian dari omset mereka dan juga warga disana tidak perlu jauh-jauh
mencari produk yang dibutuhkan. Hal ini akan menambah omset usaha ini.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt;">Peluang<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Berdasarkan analisa permintaan dan pesaing, maka
proyeksi omset adalah ini adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;"> Rp
000 / bulan<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-bottom-style: none; border-collapse: collapse; border-color: initial; border-image: initial; border-left-style: none; border-right-style: none; border-top-style: none; border-width: initial; margin-left: 5.4pt; width: 600px;">
<tbody>
<tr style="height: 66.55pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Produk Golongan-1<br />
Porsi 40%<br />
(Rp 000)<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Produk Golongan-2<br />
Porsi 30%<br />
(Rp 000)<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Produk Golongan-3 Porsi 30%<br />
(Rp 000)<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Total<o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">100%<br />
(Rp 000)<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 66.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Kenaikan 0mset<br />
(%)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">40,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">30,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">30,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">100,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">0<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">42,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">31,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">31,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">105,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">44,100<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">33,075<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">33,075<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">110,250<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">46,305<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">34,729<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">34,729<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">115,763<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">48,620<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">36,465<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">36,465<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">121,551<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">51,051<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">38,288<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">38,288<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">127,628<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">53,604<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">40,203<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">40,203<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">134,010<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">56,284<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">42,213<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">42,213<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">140,710<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">59,098<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">44,324<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">44,324<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">147,746<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">62,053<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">46,540<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">46,540<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">155,133<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">65,156<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">48,867<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">48,867<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">162,889<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.0pt;" width="84">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 75.9pt;" width="101">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">68,414<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">51,310<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">51,310<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" width="96">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">171,034<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 68.25pt;" width="91">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt;">5%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify;">
<b><u><span style="font-size: 12.0pt;">Catatan:<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt;">Produk
golongan-1 adalah beras, gula, dll dengan margin 10%<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt;">Produk
golongan-2 adalah makanan snack, dll dengan margin 15%<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12.0pt;">Produk golongan-3 adalah barang klontongan: baju
dalam, parfum, dll margin 20%<o:p></o:p></span></div>
<div class="MsoBodyText3" style="margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">III. Lokasi dan Teknis<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
<b><u>Lokasi Usaha<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Lokasi usaha terletak pada hook persimpangan jalan
yang menuju ke kavlingan dan perkampungan. <o:p></o:p></span></div>
<div class="MsoBodyText3">
Fasilitas dan perlengkapan usaha yang diperlukan dalam
membangun usaha ini adalah:</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<a href="" name="OLE_LINK1"><!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Tambahan Bangunan 4 x 9 m= </a><st1:metricconverter productid="36 m2" w:st="on">36 m2</st1:metricconverter> x @ Rp 1.500.000 Rp 54.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Etalase / Lemari kaca (2 x 0, 60 x 1) 4 unit x @ Rp
750.000 Rp 3.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt 4.5in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Etalase / Lemari kaca (2 x 0,60 x 2) 4 unit x Rp
1.500.000 Rp 6.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Rak kayu 4 unit x @ Rp 250.000 Rp 1.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Meja & kursi 1 unit Rp 500.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Kulkas 2 unit x @ Rp 3.000.000 Rp 6.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Motor second 2 unit x @ Rp 6.000.000 Rp 12.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Lain-lain <u>Rp 1.000.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-left: 1.75in; tab-stops: 1.75in 4.5in;">
<b>Total Rp 77.500.000<o:p></o:p></b></div>
<div class="MsoBodyText3">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">IV. Proyeksi Keuangan<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
Total biaya pembangunan Usaha Warung Sembako ini sebesar
Rp 189.769.000, dengan rincian sebagai berikut:</div>
<div class="MsoBodyText3">
<b>Investasi tetap:<o:p></o:p></b></div>
<div class="MsoBodyText3">
<b>Modal Kerja:<o:p></o:p></b></div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Tambahan Bangunan Rp 54.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Etalase / Lemari Rp 3.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt 4.5in; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Etalase / Lemari kaca 4
unit Rp 6.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Rak kayu 4 unit Rp 1.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Meja & kursi 1 unit Rp 500.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Kulkas 2 unit Rp 6.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<!--[if !supportLists]-->-<span style="font-size: 7pt;">
</span><!--[endif]-->Lain-lain <u>Rp 1.000.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-left: 1.75in; tab-stops: 1.75in 4.5in;">
<b>Total Rp 77.500.000<o:p></o:p></b></div>
<div class="MsoBodyText3">
<br /></div>
<div class="MsoBodyText3">
<br /></div>
<div class="MsoBodyText3" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list 14.2pt left 4.0in; text-indent: -14.2pt;">
<!--[if !supportLists]-->1.<span style="font-size: 7pt;"> </span><!--[endif]--><b>Modal Kerja</b> operational bulan pertama <u>Rp 112.268.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-bottom: 6.0pt; margin-left: 2.0in; margin-right: 2.15pt; margin-top: 6.0pt; tab-stops: 4.0in;">
<b>Grand Total RP
189.769.000<o:p></o:p></b></div>
<h2 style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt;">
<b><span style="font-size: 14.0pt; text-transform: uppercase;">Sumber Dana Investasi<o:p></o:p></span></b></h2>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kebutuhan dana dalam pembangunan usaha ini berasal
dari dana sendiri dan dana pinjaman dari bank. Yaitu:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; text-align: justify;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal sendiri<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Investasi Tetap Rp 38.750.000
(50%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal Kerja <u>Rp 56.134.000 (50%)<o:p></o:p></u></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total <b>Rp
94.884.000<o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 2.15pt; margin-top: 6.0pt; tab-stops: 2.0in; text-align: justify;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Kredit Bank<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Investasi Tetap Rp 38.750.000 (50%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Modal Kerja <u>Rp 56.134.000 (50%)<o:p></o:p></u></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 2.25pt; margin-top: 0in; mso-list: l2 level1 lfo1; tab-stops: list .5in left 2.0in; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">-<span style="font-size: 7pt;">
</span></span><!--[endif]--><b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total Rp
94.884.000<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 40.3pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: 40.5pt 2.0in;">
<b><span style="font-size: 12.0pt;">Grand Total Rp 189.769.000<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Asumsi Proyeksi Keuangan:<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Asumsi-asumsi proyeksi keuangan dapat dilihat pada <b>Formulir</b> lampiran keuangan, seperti: Harga
Jual, Harga Pokok, Biaya Operasional, Tenaga Kerja, Suku Bunga Bank, Rasio
Persediaan, Piutang, Hutang Dagang, Kenaikan Harga dan Biaya (<i>escalation</i>), Umur Ekonomis / Penyusutan, dan sebagainya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pembayaran Kredit<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Sedangkan pembayaran kredit akan dimulai dicicil
pada bulan kedua operasional, dan berakhir pada bulan ke-12. Lebih detail dapat
dilihat pada tabel dibawah ini atau pada lampiran-02 Proyeksi Aliran Dana)<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-top: 6.0pt;">
Tabel Jadwal Pembayaran Pokok dan
Bunga Kredit</div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" width="126">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Pokok Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" width="132">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bunga Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Total<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">646<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,553<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,450<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">9,357<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,318<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">9,225<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,186<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">9,093<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">1,054<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,961<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">922<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,829<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">791<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,698<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">659<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,566<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">527<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,434<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">395<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,302<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">264<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,171<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7,907<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">132<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120">
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">8,039<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<b><u><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Proyeksi Laba Rugi<o:p></o:p></span></u></b></div>
<div class="MsoBodyText">
Pada bulan operasi pertama diperkirakan sudah mendapatkan
keuntungan sebesar <br />
<b>Rp 6.770.000</b> dan bulan kedua
memperoleh laba sebesar <b>Rp 6.475.000</b>.
Akumulasi keuntungan selama 1 tahun pertama adalah <b>Rp 119.539.000</b>. Lebih ditail
tentanng Proyeksi laba rugi dapat
dilihat pada Lampiran-03<b><o:p></o:p></b></div>
<div class="MsoBodyText">
<b><u>Analisa
Investasi<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Dalam analisa investasi kami menggunakan 2 metode, yaitu:</div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo3; tab-stops: list .25in; text-indent: -.25in;">
<!--[if !supportLists]-->1.<span style="font-size: 7pt;"> </span><!--[endif]--><b><i>Payback
Period</i></b> adalah suatu periode yang diperlukan untuk menutup kembali
investasi dengan menggunakan keuntungan ditambah penyusutan.</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b><i>Payback Period</i></b> usaha ini
adalah<b> 19 bulan.</b></div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo3; tab-stops: list .25in; text-indent: -.25in;">
<!--[if !supportLists]-->2.<span style="font-size: 7pt;"> </span><!--[endif]--><b><i>Internal
Rate of Return (IRR)</i></b> adalah tingkat bunga yang akan menjadi nilai
sekarang dari <i>proceeds</i> yang
diharapkan yang akan diteriama, sama dengan nilai sekarang dari pengeluaran
modal. IRR yang baik jika lebih besar dari tingkat suku bunga bank.</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b>IRR</b> 1 tahun sebesar<b> 3,90%.
(diatas bunga bank 1,67% perbulan)<o:p></o:p></b></div>
<div class="MsoBodyText" style="margin-top: 6.0pt;">
<b><u>Rasio Keuangan<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Metode yang digunakan adalah:</div>
<div class="MsoBodyText">
<b>Likuiditas</b>
adalah ukuran kemampuan usaha dalam memenuhi kewajiban lancarnya, minimal 1
atau 100%.</div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" width="126">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Likuiditas<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">115.61%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">128.68%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">138.23%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">149.25%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">161.95%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">176.56%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">193.36%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">212.65%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">234.76%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">260.09%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">289.06%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">322.14%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
Selanjunya lihat lampiran-0 atau 05</div>
<div class="MsoBodyText">
<b>Profitabilitas<o:p></o:p></b></div>
<div class="MsoBodyText">
Kemampuan usaha dalam menghasilkan laba dengan jumlah
harta yang telah ditanamkan, dapat diukur dengan <b>ROI<i> (Rate of return O Investment)</i></b>
dan<b><i>
</i>ROE<i> (Rate of return On Equity). </i></b>ROI
dan ROE yang baik lebih besar dari suku bunga bank<b><i>.<o:p></o:p></i></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">ROI<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" width="108">
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">ROE<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4.08%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7.13%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4.56%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">6.82%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">5.09%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7.53%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">5.70%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">8.26%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">6.40%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9.02%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">7.19%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9.81%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">8.09%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">10.63%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">9.14%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">11.49%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">10.35%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">12.38%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">11.77%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">13.32%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">13.45%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14.29%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104">
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 84.3pt;" valign="top" width="112">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">15.44%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">15.30%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
Terlihat ROI dan ROE makin menigkat yang menyatakan proyek
ini layak dibangun. Selanjunya lihat lampiran-0 atau 05</div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; tab-stops: .5in; text-align: justify;">
<b><span style="font-family: "Arial Black","sans-serif"; font-size: 14.0pt; text-transform: uppercase;">V. Jaminan
Kredit.<o:p></o:p></span></b></div>
<div class="MsoBodyText2" style="margin-right: 2.15pt; text-align: justify;">
Jaminan
kredit usaha untuk pinjaman tersebut, kami bersedia menjaminkan sertifikat
rumah saya.</div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in;">
<b><span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Penutup<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Demikianlah proposal permohonan kredit kami ini.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 0in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Besar
harapan kami untuk mendapatkan pinjaman kredit dari Bank yang Bapak pimpin.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Terimakasih atas kerja samanya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Hormat Kami,<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt; tab-stops: 3.95in;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt; mso-outline-level: 4; page-break-after: avoid;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> Pemilik Usaha<o:p></o:p></span></div>Proposal Usahahttp://www.blogger.com/profile/10351430342388371905noreply@blogger.com4tag:blogger.com,1999:blog-3335190698752613112.post-55479243039586748032012-02-25T23:25:00.000-08:002012-02-25T23:26:45.592-08:00Proposal Usaha Gadai<br />
<div class="MsoHeading7">
……….., ………… 200…..</div>
<div class="MsoHeading7">
Kepada Yth,</div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<b><span style="font-size: 12pt;">Rekan atau Bank ……..<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<b><span style="font-size: 12pt;">……..<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12pt;">Di <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12pt;">………… <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Dengan Hormat,<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<span style="font-size: 12pt;">Perihal: <b><u>Laporan Studi Kelyakan Bisnis Kredit
Uang Tunai Bagi Pedagang</u></b><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Bersama <st1:place w:st="on"><st1:city w:st="on">surat</st1:city></st1:place> ini kami kirimkan
proposal studi kelayakan bisnis dalam bidang usaha pembangunan usaha Kredit
Uang Tunai Bagi Pedagang. Usaha Kredit Uang Tunai Bagi Pedagang ini merupakan pengembangan
usaha yang sedang berjalan. </div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Besarnya
investasi pengembangan usaha ini adalah Rp 100.998.000 (Seratus juta sembilan
ratus sembilan puluh delapan ribu rupiah). Sedangkan modal kami saat ini
sebesar Rp 51.599.000, <b>maka kekurangan dana investasi sebesar </b><b>Rp 49.399.000 (Empat puluh sembilan juta tiga
ratus sembilan puluh sembilan ribu rupiah),</b> kami mengharapkan dapat bantuan
kredit investasi dari Bank.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Selanjutnya
sebagai bahan pertimbangan dan analisa, kami lengkapi proposal ini dengan hasil
analisa kami.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Demikianlah <st1:place w:st="on"><st1:city w:st="on">surat</st1:city></st1:place> permohonan ini besar
harapan kami mendapat dukungan dana dari bank yang bapak pimpin.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Terimakasih
atas perhatiannya.</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Hormat Kami,</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
Chandra</div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
<div class="MsoTitle" style="margin-right: 2.25pt; text-align: justify;">
<br /></div>
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<div class="MsoTitle" style="margin-bottom: 24.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 0in;">
<b><span style="font-family: Impact, sans-serif; font-size: large;">STUDI
KELAYAKAN BISNIS<br />
</span></b><span style="font-family: 'Arial Black', sans-serif;"><span style="font-size: large;">KREDIT UANG
TUNAI BAGI PEDAGANG<o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Pada perumahan tempat saya tinggal terdapat pasar
tradisional, dimana banyak pedagang yang menjual berbagai kebutuhan rumah
tangga sehari-hari. Pada umumnya dagangan mereka cukup laris dan dalam beberapa
jam saja omset mereka mencapai ratusan ribu rupiah. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Sebagian besar pedagang tersebut kenal dengan saya,
hal ini berawal saat mereka mencari dana pinjaman untuk menambah kekurangan
modal mereka. Kebetulan saat itu saya mempunyai uang dan mereka berjanji untuk
mengembalikan pinjaman tersebut dengan cara mencicil setiap hari dengan konsep
bagi hasil. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Akhirnya hal ini berkelanjutan dan menjadi bisnis
sampingan saya. Karena saat itu saya masih bekerja, maka untuk menjalankan
penagihan setiap hari saya rekrut satu orang. Hingga saat ini usaha tersebut
terus berjalan dan saya telah banyak mempunyai customer. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Usaha ini cukup pesat perkembangannya dan banyak
pelanggan baru berminat untuk meminjam uang kepada saya, tapi keuangan saya
tidak terlalu banyak, dan saat inipun banyak pelanggan lama saya sedang
menunggu giliran.<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: .5in;">
<span style="font-family: 'Arial Black', sans-serif; font-size: 14pt; text-transform: uppercase;">I. KEPEMILIKAN DAN Pengurus Usaha<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: 14.2pt;">
<b><u>Pemrakarsa<o:p></o:p></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12pt;">Dengan
latar belakang tersebut, saya merencanakan untuk mengembangkan usaha tersebut, Mengingat
</span><span style="font-size: 12pt;">dana saya tidak
mencukupi untuk mengembangkan usaha Kredit Uang Tunai Bagi Pedagang, maka saya
mengajak rekan-rekan yang mau bermitra dengan saya atau pihak bank untuk
meminjamkan dananya dalam rangka menutupi kekurangan dana investasi tersebut.</span><span style="font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt; tab-stops: 21.3pt;">
<b><u>Kepemilikan Usaha<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Usaha Kredit Uang Tunai Bagi Pedagang ini merupakan
usaha perorangan, dimana pengurus usaha adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; tab-stops: 2.0in; text-align: justify;">
<span style="font-size: 12pt;">Pemilik : Chandra.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; tab-stops: 2.0in; text-align: justify;">
<span style="font-size: 12pt;">Pengurus : Eko P.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; tab-stops: .25in 2.0in 171.0pt; text-align: justify;">
<span style="font-size: 12pt;">Dibantu dengan : 1 orang karyawan <o:p></o:p></span></div>
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<b><span style="font-size: 12pt;">Riwayat hidup pemilik.</span></b><span style="font-size: 12pt;"> Saat ini saya masih bekerja
pada sebuah perusahaan swasta, sedangkan Kredit Uang Tunai Bagi Pedagang akan dikelola
oleh Eko P. Untuk lebih jelas tentang <i>Curriculum
Vitae</i> (CV) saya, maka saya lampirkan dalam proposal ini.<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 6.0pt;">
<b><u>Modal Usaha<o:p></o:p></u></b></div>
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<span style="font-size: 12pt;">Modal dasar usaha dan telah disetorkan sebesar Rp 51.599.000
(<st1:city w:st="on">Lima</st1:city> puluh satu juta <st1:place w:st="on"><st1:city w:st="on">lima</st1:city></st1:place> ratus sembilan puluh sembilan ribu
rupiah) berupa dana kas & bank.<o:p></o:p></span></div>
<div class="MsoHeading9">
<b><u>Surat-Surat Izin<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Surat-surat izin dan referensi yang telah dimiliki
dan Photo Copinya yang dilampirkan dalam proposal ini adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 17.85pt; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -17.85pt;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><st1:place w:st="on"><st1:city w:st="on"><span style="font-size: 12pt;">Surat</span></st1:city></st1:place><span style="font-size: 12pt;"> Domisili<o:p></o:p></span></div>
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<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><st1:place w:st="on"><st1:city w:st="on"><span style="font-size: 12pt;">Surat</span></st1:city></st1:place><span style="font-size: 12pt;"> Kawin<o:p></o:p></span></div>
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<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Kartu keluarga<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: .25in; margin-right: 2.15pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Kartu tanda penduduk (KTP)<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.25pt; margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: 'Arial Black', sans-serif; font-size: 14pt; text-transform: uppercase;">II. Pemasaran<o:p></o:p></span></b></div>
<div class="MsoBodyText3" style="margin-top: 6.0pt;">
<b><u>Produk dan Segmentasi Pasar.<o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><span style="font-size: 12pt;">Usaha Kredit
Uang Tunai</span></b><span style="font-size: 12pt;"> yang dimaksud disini
adalah meminjamkan uang kepada para pedagang dengan konsep bagi hasil dan
dibayar setiap hari. Ditagih oleh karyawan dari usaha kredit unag tunai. Jenis
Kredit Uang Tunai dibagi dalam 4 paket, Yaitu:<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-bottom-style: none; border-collapse: collapse; border-color: initial; border-image: initial; border-left-style: none; border-right-style: none; border-top-style: none; border-width: initial; margin-left: 5.4pt; width: 600px;">
<tbody>
<tr>
<td style="border-right: none; border: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Item<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border-left: none; border-right: none; border-top: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.3pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Kredit<br />
(Rp)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border-left: none; border-right: none; border-top: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Cicilan<br />
(Rp/hari)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border-left: none; border-right: none; border-top: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Lama
Cicilan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Margin<br />
(%)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-left: double windowtext 1.5pt; border: none; mso-border-top-alt: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102"><div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Paket-1<o:p></o:p></span></div>
</td>
<td style="border: none; mso-border-top-alt: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.3pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">500.000<o:p></o:p></span></div>
</td>
<td style="border: none; mso-border-top-alt: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">20.000<o:p></o:p></span></div>
</td>
<td style="border: none; mso-border-top-alt: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">30 hari<o:p></o:p></span></div>
</td>
<td style="border-right: double windowtext 1.5pt; border: none; mso-border-top-alt: double windowtext 1.5pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">20%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 19.35pt; mso-yfti-irow: 2;">
<td style="border-left: double windowtext 1.5pt; border: none; height: 19.35pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102"><div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Paket-2<o:p></o:p></span></div>
</td>
<td style="border: none; height: 19.35pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.3pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">1.000.000<o:p></o:p></span></div>
</td>
<td style="border: none; height: 19.35pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">39.000<o:p></o:p></span></div>
</td>
<td style="border: none; height: 19.35pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">30 hari<o:p></o:p></span></div>
</td>
<td style="border-right: double windowtext 1.5pt; border: none; height: 19.35pt; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">17%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-left: double windowtext 1.5pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102"><div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Paket-3<o:p></o:p></span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.3pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">1.500.000<o:p></o:p></span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">57.500<o:p></o:p></span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">30 hari<o:p></o:p></span></div>
</td>
<td style="border-right: double windowtext 1.5pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">15%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-bottom: double windowtext 1.5pt; border-left: double windowtext 1.5pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102"><div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Paket-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.3pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">2.000.000<o:p></o:p></span></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">75.000<o:p></o:p></span></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">30 hari<o:p></o:p></span></div>
</td>
<td style="border-bottom: double windowtext 1.5pt; border-left: none; border-right: double windowtext 1.5pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.35pt;" valign="top" width="124"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<span style="font-size: 12pt;">12.5%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Sedangkan <b>Segmentasi
Pasarnya</b> adalah para pedagang yang mempunyai tempat usaha tetap (kontrak /
milik sendiri) dan melakukan usaha setiap hari dengan omset rata-rata sebesar 4
kali dari cicilan. Misalnya: Tukang bakso, soto mie, sayur, warung, dan
sebagainya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<b><u><span style="font-size: 12pt;">Permintaan Produk<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Saat ini kami mempunnyai pelanggan atau nasabah 20
orang dengan kredit yang kami berikan antara Rp 500.000 hingga Rp 2.000.000.
Total kredit yang sudah kami keluarkan <u>+</u> Rp 25.000.000.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Hingga saat ini kami mempunyai nasabah lama yang
sedang menunggu pinjaman kredit 12 orang dengan total kredit yang harus
dikeluarkan Rp 30.000.000, dan nasabah baru 15 orang dengan total kredit Rp
20.000.000. Diperkirakan nasabah kami akan terus bertambah karena saat ini kami
mencoba memperluas usaha tersebut.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12pt;">Pesaing<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Pada lokasi tersebut belum ada yang membuka usaha ini,
tapi saingan usaha saya adalah bank, mengingat proses mendapatkan kredit dari
bank sulit, maka bank bukan saingan yang berat.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<b><u><span style="font-size: 12pt;">Peluang<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Atas dasar ilustrasi diatas, dan mengingat dalam
operational dana yang terputar untuk dipinjamkan tidak mungkin 100%, karena ada
senggang waktu untuk pengumpulan dana dari nasabah lama. Dan diperkirakan
efektif dana yang terputar sebesar 95%. Maka proyeksi peluang usaha dapat
dijabarkan sebagai berikut (lihat table):<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">0mset<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Harga
Pokok<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; text-align: center;">
<b><span style="font-size: 12pt;">Margin<br />
(Rp 000)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">85,500<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">(70,666)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 88.55pt;" valign="top" width="118"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">14,834<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; text-align: justify;">
<span style="font-size: 12pt;">Tetapi dalam operational dana yang terputar untuk
dipinjamkan tidak mungkin 100%, karena ada senggang waktu untuk pengumpulan
dana dari nasabah lama. Dan diperkirakan efektif dana yang terputar sebesar
90%.<o:p></o:p></span></div>
<div class="MsoBodyText3" style="margin-top: 12.0pt; tab-stops: .5in;">
<b><span style="font-family: 'Arial Black', sans-serif; font-size: 14pt; text-transform: uppercase;">III. Lokasi dan Teknis<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
<b><u>Lokasi <o:p></o:p></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Kantor usaha Kredit Uang Tunai berada dirumah saya
sendiri, yang terletak tidak jauh dari pasar diperumahan tersebut. Dalam
menjalankan usaha ini kami tidak memerlukan tempat khusus, kami hanya
menggunakan ruang tamu dirumah saya.<o:p></o:p></span></div>
<div class="MsoBodyText3">
Detail biaya yang harus dikeluarkan untuk mengembangkan usaha
Kredit Uang Tunai Bagi Pedagang adalah:</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
<a href="http://www.blogger.com/blogger.g?blogID=3335190698752613112" name="OLE_LINK4"></a><a href="http://www.blogger.com/blogger.g?blogID=3335190698752613112" name="OLE_LINK1">-<span style="font-size: 7pt;">
</span>Kompter 1 unit x Rp 3.000.000 = Rp 3.000.000</a></div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Meja & kursi 1 unit x Rp 1.000.000 = Rp 1.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Motor bebek 1 unit x Rp 15.000.000 = Rp 15.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Lain-lain <u>=
Rp 300.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-left: 2.25in; mso-list: l1 level1 lfo1; tab-stops: list 2.25in left 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span><b>Total = Rp 19.300.000<o:p></o:p></b></div>
<div class="MsoBodyText3">
<b><span style="font-family: 'Arial Black', sans-serif; font-size: 14pt; text-transform: uppercase;">IV. Proyeksi Keuangan<o:p></o:p></span></b></div>
<div class="MsoBodyText3">
Total biaya pembangunan Kredit Uang Tunai Bagi Pedagang
sebesar Rp 19.300.000, dengan rincian sebagai berikut:</div>
<div class="MsoBodyText3">
<a href="http://www.blogger.com/blogger.g?blogID=3335190698752613112" name="OLE_LINK2"><b>Investasi tetap:<o:p></o:p></b></a></div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Kompter =
Rp 3.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Meja & kursi =
Rp 1.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Motor bebek =
Rp 15.000.000</div>
<div class="MsoBodyText3" style="margin-left: .25in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 1.75in 256.5pt; text-indent: -.25in;">
-<span style="font-size: 7pt;">
</span>Lain-lain <u>=
Rp 300.000<o:p></o:p></u></div>
<div class="MsoBodyText3" style="margin-left: 2.0in; tab-stops: 256.5pt;">
<b>Total = Rp 19.300.000<o:p></o:p></b></div>
<div class="MsoBodyText3">
<br /></div>
<h2 style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt;">
<b><span style="font-size: 14pt; text-transform: uppercase;">Sumber Dana Investasi<o:p></o:p></span></b></h2>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Kebutuhan dana dalam pembangunan usaha ini berasal
dari dana sendiri dan dana pinjaman dari bank. Yaitu:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-right: 2.25pt; text-align: justify;">
<b><span style="font-size: 12pt;">Modal sendiri<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Investasi Tetap Rp 25.000.000 (100%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Modal Kerja Rp 26.599.000 (35%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 2.15pt; margin-top: 6.0pt; tab-stops: 2.0in; text-align: justify;">
<b><span style="font-size: 12pt;">Kredit Bank<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Investasi Tetap Rp 0 (0%)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 2.25pt; margin-top: 0in; mso-list: l1 level1 lfo1; tab-stops: list .25in left 2.0in; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12pt;">-<span style="font-size: 7pt;">
</span></span><span style="font-size: 12pt;">Modal Kerja <u>Rp 49.399.000 (65%)<o:p></o:p></u></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 40.3pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: 40.5pt 2.0in;">
<b><span style="font-size: 12pt;">Grand Total Rp
100.998.000<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12pt;">Asumsi Proyeksi Keuangan:<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Asumsi-asumsi proyeksi keuangan dapat dilihat pada <b>Formulir</b> lampiran keuangan, seperti: Harga
Jual, Harga Pokok, Biaya Operasional, Tenaga Kerja, Suku Bunga Bank, Rasio
Persediaan, Piutang, Hutang Dagang, Kenaikan Harga dan Biaya (<i>escalation</i>), Umur Ekonomis / Penyusutan,
dan sebagainya.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 12.0pt; text-align: justify;">
<b><u><span style="font-size: 12pt;">Pembayaran Kredit<o:p></o:p></span></u></b></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<span style="font-size: 12pt;">Sedangkan pembayaran kredit akan dimulai dicicil
pada bulan kedua dan berakhir pada bulan ke 12. Lebih detail dapat dilihat pada
tabel dibawah ini atau pada lampiran-02 Proyeksi Aliran Dana).<o:p></o:p></span></div>
<div class="MsoHeading9" style="margin-top: 6.0pt;">
Tabel Jadwal Pembayaran Pokok dan
Bunga Kredit</div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 9.9pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" width="104"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">Bulan<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" width="126"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">Pokok Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" width="132"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">Bunga Kredit<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" width="120"><div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">Total<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: center;">
<b><span style="font-size: 12pt;">(Rp 000)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">--<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">--<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">--<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">617<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">5,139<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">561<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">5,083<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">504<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">5,026<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">448<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,970<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">391<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,913<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">335<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,857<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">278<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,800<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">222<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,744<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">165<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,687<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,522<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">109<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,631<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.7pt;" valign="top" width="104"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">4,179<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132"><div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12pt;">52<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.25in;" valign="top" width="120"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="font-size: 12pt;">4,231<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; margin-left: 0in; margin-right: 2.15pt; margin-top: 0in; text-align: justify;">
<b><u><span style="font-size: 12pt;">Proyeksi Laba Rugi<o:p></o:p></span></u></b></div>
<div class="MsoBodyText">
Pada bulan operasi pertama diperkirakan sudah mendapatkan
keuntungan sebesar <br />
<b>Rp 8.966.000</b> dan bulan kedua
memperoleh laba sebesar <b>Rp 8.441.000</b>.
Akumulasi keuntungan dalam satu tahun adalah <b>Rp 104.460.000</b>. Lebih ditail tentanng Proyeksi laba rugi dapat dilihat pada
Lampiran-03</div>
<div class="MsoBodyText">
<b><u>Analisa
Investasi<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Dalam analisa investasi kami menggunakan 2 metode, yaitu:</div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo2; tab-stops: list .25in; text-indent: -.25in;">
1.<span style="font-size: 7pt;"> </span><b><i>Payback
Period</i></b> adalah suatu periode yang diperlukan untuk menutup kembali
investasi dengan menggunakan keuntungan ditambah penyusutan.</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b><i>Payback Period</i></b> usaha ini
adalah<b> </b><u>+</u><b> 11 bulan.</b></div>
<div class="MsoBodyText" style="margin-left: .25in; mso-list: l0 level1 lfo2; tab-stops: list .25in; text-indent: -.25in;">
2.<span style="font-size: 7pt;"> </span><b><i>Internal
Rate of Return (IRR)</i></b> adalah tingkat bunga yang akan menjadi nilai sekarang
dari <i>proceeds</i> yang diharapkan yang
akan diteriama, sama dengan nilai sekarang dari pengeluaran modal. IRR yang
baik jika lebih besar dari tingkat suku bunga bank (18% pertahun atau <b><u>1,25% perbulan</u></b>).</div>
<div class="MsoBodyText" style="margin-left: .25in;">
<b>IRR</b> sebesar<b> 3,30%.</b></div>
<div class="MsoBodyText">
<b><u>Rasio Keuangan<o:p></o:p></u></b></div>
<div class="MsoBodyText">
Metode yang digunakan adalah:</div>
<div class="MsoBodyText">
<b>Likuiditas</b>
adalah ukuran kemampuan usaha dalam memenuhi kewajiban lancarnya, minimal 1
atau 100%.</div>
<div class="MsoBodyText">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 5.4pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div align="center" class="MsoBodyText" style="text-align: center;">
Bulan</div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="center" class="MsoBodyText" style="text-align: center;">
Likuiditas</div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">184.62%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">213.15%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">248.20%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">292.22%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">349.11%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">425.39%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">532.87%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">695.39%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">969.45%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">1528.92%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">3300.41%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">0<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoBodyText">
Selanjunya lihat
lampiran-0 atau 05<o:p></o:p></div>
<div class="MsoBodyText">
<b>Profitabilitas<o:p></o:p></b></div>
<div class="MsoBodyText">
Kemampuan usaha dalam menghasilkan laba dengan jumlah
harta yang telah ditanamkan, dapat diukur dengan <b>ROI<i> (Rate of return O Investment)</i></b>
dan<b><i>
</i>ROE<i> (Rate of return On Equity). </i></b>ROI
dan ROE yang baik lebih besar dari suku bunga bank<b><i>.<o:p></o:p></i></b></div>
<div class="MsoBodyText">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 5.4pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div align="center" class="MsoBodyText" style="text-align: center;">
<b>Bulan<o:p></o:p></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="center" class="MsoBodyText" style="text-align: center;">
<b>ROI<o:p></o:p></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="center" class="MsoBodyText" style="text-align: center;">
<b>ROE<o:p></o:p></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">8.88%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">17.38%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">9.39%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.36%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">9.84%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.45%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">10.34%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.55%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">10.90%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.64%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">11.51%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.73%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">12.21%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.82%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">12.99%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.92%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">13.88%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">17.01%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">14.91%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">17.10%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="top" width="114"><div class="MsoNormal" style="margin-bottom: 6.0pt;">
<span style="font-size: 12pt;">Bulan-11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">16.10%<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 89.1pt;" valign="top" width="119"><div align="right" class="MsoNormal" style="margin-right: 20.7pt; text-align: right;">
<span style="font-size: 12pt;">17.20%<o:p></o:p></span></div>
</td>
</tr>
<tr>
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<span style="font-size: 12pt;">Bulan-12<o:p></o:p></span></div>
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<span style="font-size: 12pt;">17.39%<o:p></o:p></span></div>
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<span style="font-size: 12pt;">17.29%<o:p></o:p></span></div>
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Terlihat ROI dan ROE makin menigkat yang menyatakan proyek
ini layak dibangun. Selanjunya lihat lampiran-0 atau 05</div>
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<b><span style="font-family: 'Arial Black', sans-serif; font-size: 14pt; text-transform: uppercase;">V. Jaminan
Kredit.<o:p></o:p></span></b></div>
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Sebagai
jaminan untuk kredit usaha ini, saya bersedia menjaminkan BPKB mobil saya.</div>
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<b><span style="font-size: 12pt;">Penutup<o:p></o:p></span></b></div>
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<span style="font-size: 12pt;">Demikianlah proposal permohonan kredit kami ini.<o:p></o:p></span></div>
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<span style="font-size: 12pt;">Besar
harapan kami untuk mendapatkan pinjaman kredit dari Bank yang Bapak pimpin.<o:p></o:p></span></div>
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<span style="font-size: 12pt;">Terimakasih atas kerja samanya.<o:p></o:p></span></div>
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<span style="font-size: 12pt;">Hormat Kami,<o:p></o:p></span></div>
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<span style="font-size: 12pt;">Pemilik
Usaha<o:p></o:p></span></div>Proposal Usahahttp://www.blogger.com/profile/10351430342388371905noreply@blogger.com0