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1 PERTEMUAN 5 NILAI WAKTU UANG (2) S1- ANALISIS KEUANGAN

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Overview (1) 1.Distinguish between an “ordinary annuity” and an “annuity due.” 2.Use interest factor tables and understand how they provide a shortcut to calculating present and future values. 3.Use interest factor tables to find an unknown interest rate or growth rate when the number of time periods and future and present values are known. 4.Build an “amortization schedule” for an installment-style loan. 2

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Overview (2) 3 u An Annuity u An Annuity represents a series of equal payments (or receipts) occurring over a specified number of equidistant periods. Ordinary Annuity Ordinary Annuity: Payments or receipts occur at the end of each period. Annuity Due Annuity Due: Payments or receipts occur at the beginning of each period.

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Contoh Aplikasi Annuitas Student Loan Payments Car Loan Payments Insurance Premiums Mortgage Payments Retirement Savings 4

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Overview (3) 5 end beginning The future value of an ordinary annuity can be viewed as occurring at the end of the last cash flow period, whereas the future value of an annuity due can be viewed as occurring at the beginning of the last cash flow period.

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Overview (4) 6 beginning end The present value of an ordinary annuity can be viewed as occurring at the beginning of the first cash flow period, whereas the future value of an annuity due can be viewed as occurring at the end of the first cash flow period.

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Overview (5) 1. Calculate the payment per period. 2.Determine the interest in Period t. (Loan Balance at t-1) x (i% / m) principal payment 3.Compute principal payment in Period t. (Payment - Interest from Step 2) principal payment 4.Determine ending balance in Period t. (Balance - principal payment from Step 3) 5.Start again at Step 2 and repeat. 7

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Overview (6) 8 Press: 2 nd Amort 1ENTER 5 ENTER Results: BAL = 0.00 ↓ PRN =-10,000.00 ↓ INT = -3,870.49 ↓ Entire 5 Years of loan information (see the total line of 3-82) Using the Amortization Functions of the Calculator

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Kegiatan dan Forum SCL Discovery Learning: a.Dosen menjelaskan secara rinci bagian 2 nilai waktu uang. b.Mahasiswa diminta untuk terjun ke dunia riil memahami secara rinci bagian 2 nilai waktu uang. c.Dosen memberikan evaluasi, sebagai guide adalah bahan ajar dalam hybrid learning. 9

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Chapter 3 The Time Value of Money © 2005 Thomson/South-Western.

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