{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Kalkulator Pinjaman"],"not_rendered":{"defined_names":9},"read":"whole","date_system":"1900"}

{"sheet":"Kalkulator Pinjaman","index":0,"n_rows":22,"n_cols":13,"rows_kept":22,"merged":[[1,1,1,3],[1,6,2,8],[1,11,2,12],[2,1,2,3],[6,5,6,6],[7,5,7,6],[10,2,10,5],[10,6,10,8],[10,9,10,12],[18,2,18,12]]}
[]
[null,"PINJAMAN KULIAH ",{"$nulls":4},{"v":50000,"d":"Rp50,000"},{"$nulls":4},"2011-05-10"]
[null,"KALKULATOR "]
[]
[null,"Disarankan total pembayaran pinjaman kuliah bulanan tidak melebihi 8% gaji tahun pertama Anda."]
[]
[null,null,"Total pembayaran bulanan saat ini:",null,null,{"$f":"CollegeLoans[[#Totals],[Pembayaran Bulanan Saat Ini]]","v":{"v":328.58590726058833,"d":"Rp328.59"}},null,null,"Total pembayaran bulanan terjadwal:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Pembayaran Terjadwal]]","v":{"v":328.58590726058833,"d":"Rp328.59"}}]
[null,null,"Persentase penghasilan bulanan:",null,null,{"$f":"CollegeLoans[[#Totals],[Pembayaran Bulanan Saat Ini]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}},null,null,"Persentase penghasilan bulanan:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Pembayaran Terjadwal]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}}]
[]
[]
[null,null,"DETAIL PINJAMAN UMUM",{"$nulls":3},"DATA PEMBAYARAN PINJAMAN",null,null,"DETAIL PEMBAYARAN"]
[null,null,"No. Pinjaman","Pemberi Pinjaman","Jumlah Pinjaman","Suku Bunga Tahunan","Tanggal Mulai","Jangka Waktu (Thn)","Tanggal Selesai","Pembayaran Bulanan Saat Ini","Total Bunga","Pembayaran Terjadwal","Pembayaran Tahunan"]
[null,null,"10998M88","Pemberi Pinjaman 1",{"v":10000,"d":"Rp10,000.00"},{"v":0.05,"d":"5.00%"},"2011-04-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Tanggal Mulai]]>0,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]>0),EDATE(CollegeLoans[[#This Row],[Tanggal Mulai]],CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12),\"\")","v":"2021-04-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])=4,CollegeLoans[[#This Row],[Tanggal Mulai]]<TODAY()),PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0),\"\")","v":{"v":106.06551523907524,"d":"Rp106.07"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*(CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12))-CollegeLoans[[#This Row],[Jumlah Pinjaman]],\"\")","v":{"v":2727.8618286890287,"d":"Rp2,727.86"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0))","v":{"v":106.06551523907524,"d":"Rp106.07"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*12,\"\")","v":{"v":1272.7861828689029,"d":"Rp1,272.79"}}]
[null,null,"20987N87","Pemberi Pinjaman 2",{"v":8000,"d":"Rp8,000.00"},{"v":0.05,"d":"5.00%"},"2011-05-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Tanggal Mulai]]>0,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]>0),EDATE(CollegeLoans[[#This Row],[Tanggal Mulai]],CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12),\"\")","v":"2021-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])=4,CollegeLoans[[#This Row],[Tanggal Mulai]]<TODAY()),PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0),\"\")","v":{"v":84.85241219126019,"d":"Rp84.85"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*(CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12))-CollegeLoans[[#This Row],[Jumlah Pinjaman]],\"\")","v":{"v":2182.289462951223,"d":"Rp2,182.29"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0))","v":{"v":84.85241219126019,"d":"Rp84.85"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*12,\"\")","v":{"v":1018.2289462951222,"d":"Rp1,018.23"}}]
[null,null,"36785LM","Pemberi Pinjaman 3",{"v":6000,"d":"Rp6,000.00"},{"v":0.045,"d":"4.50%"},"2012-03-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Tanggal Mulai]]>0,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]>0),EDATE(CollegeLoans[[#This Row],[Tanggal Mulai]],CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12),\"\")","v":"2022-03-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])=4,CollegeLoans[[#This Row],[Tanggal Mulai]]<TODAY()),PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0),\"\")","v":{"v":62.18304525420918,"d":"Rp62.18"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*(CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12))-CollegeLoans[[#This Row],[Jumlah Pinjaman]],\"\")","v":{"v":1461.9654305051017,"d":"Rp1,461.97"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0))","v":{"v":62.18304525420918,"d":"Rp62.18"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*12,\"\")","v":{"v":746.1965430505102,"d":"Rp746.20"}}]
[null,null,"765R43","Pemberi Pinjaman 4",{"v":4000,"d":"Rp4,000.00"},{"v":0.05,"d":"5.00%"},"2012-05-01",5,{"$f":"IF(AND(CollegeLoans[[#This Row],[Tanggal Mulai]]>0,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]>0),EDATE(CollegeLoans[[#This Row],[Tanggal Mulai]],CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12),\"\")","v":"2017-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])=4,CollegeLoans[[#This Row],[Tanggal Mulai]]<TODAY()),PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0),\"\")","v":{"v":75.48493457604374,"d":"Rp75.48"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*(CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12))-CollegeLoans[[#This Row],[Jumlah Pinjaman]],\"\")","v":{"v":529.0960745626244,"d":"Rp529.10"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Jumlah Pinjaman]:[Jangka Waktu (Thn)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Suku Bunga Tahunan]]/12,CollegeLoans[[#This Row],[Jangka Waktu (Thn)]]*12,-CollegeLoans[[#This Row],[Jumlah Pinjaman]],0,0))","v":{"v":75.48493457604374,"d":"Rp75.48"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Pembayaran Terjadwal]]*12,\"\")","v":{"v":905.8192149125249,"d":"Rp905.82"}}]
[null,null,"Total",null,{"$f":"SUBTOTAL(109,CollegeLoans[Jumlah Pinjaman])","v":{"v":28000,"d":"Rp28,000.00"}},{"$nulls":4},{"$f":"SUBTOTAL(109,CollegeLoans[Pembayaran Bulanan Saat Ini])","v":{"v":328.58590726058833,"d":"Rp328.59"}},{"$f":"SUBTOTAL(109,CollegeLoans[Total Bunga])","v":{"v":6901.212796707978,"d":"Rp6,901.21"}},{"$f":"SUBTOTAL(109,CollegeLoans[Pembayaran Terjadwal])","v":{"v":328.58590726058833,"d":"Rp328.59"}},{"$f":"SUBTOTAL(109,CollegeLoans[Pembayaran Tahunan])","v":{"v":3943.03088712706,"d":"Rp3,943.03"}}]
[null,null,"Rata-rata",null,{"$f":"AVERAGE(CollegeLoans[Jumlah Pinjaman])","v":{"v":7000,"d":"Rp7,000.00"}},{"$f":"AVERAGE(CollegeLoans[Suku Bunga Tahunan])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(CollegeLoans[Total Bunga])","v":{"v":1725.3031991769944,"d":"Rp1,725.30"}},null,{"$f":"AVERAGE(CollegeLoans[Pembayaran Tahunan])","v":{"v":985.757721781765,"d":"Rp985.76"}}]
[]
[{"$nulls":10},"Total Pembayaran Pinjaman Konsolidasi:",null,{"$f":"CollegeLoans[[#Totals],[Jumlah Pinjaman]]+CollegeLoans[[#Totals],[Total Bunga]]","v":{"v":34901.21279670798,"d":"Rp34,901.21"}}]
[]
[{"$nulls":10},"Estimasi Pendapatan Bulanan Setelah Lulus:",null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":4166.666666666667,"d":"Rp4,166.67"}}]