{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Kalkulator Pinjaman"],"not_rendered":{"defined_names":10},"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 KOLEJ",{"$nulls":4},{"v":50000,"d":"RM50,000"},{"$nulls":4},{"v":40673,"d":"4067300.00%"}]
[null,"KALKULATOR"]
[]
[null,"Dicadangkan jumlah pembayaran balik pinjaman pelajar bulanan anda tidak melebihi 8% daripada gaji tahunan tahun pertama anda."]
[]
[null,null,"Gabungan bayaran bulanan semasa anda ialah:",null,null,{"$f":"PinjamanKolej[[#Totals],[Bayaran Bulanan Semasa]]","v":{"v":328.58590726058833,"d":"RM328.59"}},null,null,"Gabungan bayaran bulanan dijadualkan anda ialah:",{"$nulls":3},{"$f":"PinjamanKolej[[#Totals],[Bayaran Dijadualkan]]","v":{"v":328.58590726058833,"d":"RM328.59"}}]
[null,null,"Peratus pendapatan bulanan:",null,null,{"$f":"PinjamanKolej[[#Totals],[Bayaran Bulanan Semasa]]/AnggaranGajiBulanan","v":{"v":0.07886061774254119,"d":"7.89%"}},null,null,"Peratus pendapatan bulanan:",{"$nulls":3},{"$f":"PinjamanKolej[[#Totals],[Bayaran Dijadualkan]]/AnggaranGajiBulanan","v":{"v":0.07886061774254119,"d":"7.89%"}}]
[]
[]
[null,null,"BUTIRAN PINJAMAN AM",{"$nulls":3},"DATA BAYAR BALIK PINJAMAN",null,null,"BUTIRAN BAYARAN"]
[null,null,"No. Pinjaman","Pemberi pinjaman","Amaun Pinjaman","Kadar Faedah Tahunan","Tarikh Mula","Tempoh (Thn)","Tarikh Tamat","Bayaran Bulanan Semasa","Jumlah Faedah","Bayaran Dijadualkan","Bayaran Tahunan"]
[null,null,"10998M88","Pemberi pinjaman 1",{"v":10000,"d":"RM10,000.00"},{"v":0.05,"d":"5.00%"},{"v":40634,"d":"4063400.00%"},10,{"$f":"IF(AND(PinjamanKolej[[#This Row],[Tarikh Mula]]>0,PinjamanKolej[[#This Row],[Tempoh (Thn)]]>0),EDATE(PinjamanKolej[[#This Row],[Tarikh Mula]],PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12),\"\")","v":{"v":44287,"d":"4428700.00%"}},{"$f":"IF(AND(PinjamanMulaHariIni,COUNT(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])=4,PinjamanKolej[[#This Row],[Tarikh Mula]]<TODAY()),PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0),\"\")","v":{"v":106.06551523907524,"d":"RM106.07"}},{"$f":"IFERROR((PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*(PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12))-PinjamanKolej[[#This Row],[Amaun Pinjaman]],\"\")","v":{"v":2727.8618286890287,"d":"RM2,727.86"}},{"$f":"IF(COUNTA(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])<>4,\"\",PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0))","v":{"v":106.06551523907524,"d":"RM106.07"}},{"$f":"IFERROR(PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*12,\"\")","v":{"v":1272.7861828689029,"d":"RM1,272.79"}}]
[null,null,"20987N87","Pemberi pinjaman 2",{"v":8000,"d":"RM8,000.00"},{"v":0.05,"d":"5.00%"},{"v":40664,"d":"4066400.00%"},10,{"$f":"IF(AND(PinjamanKolej[[#This Row],[Tarikh Mula]]>0,PinjamanKolej[[#This Row],[Tempoh (Thn)]]>0),EDATE(PinjamanKolej[[#This Row],[Tarikh Mula]],PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12),\"\")","v":{"v":44317,"d":"4431700.00%"}},{"$f":"IF(AND(PinjamanMulaHariIni,COUNT(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])=4,PinjamanKolej[[#This Row],[Tarikh Mula]]<TODAY()),PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0),\"\")","v":{"v":84.85241219126019,"d":"RM84.85"}},{"$f":"IFERROR((PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*(PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12))-PinjamanKolej[[#This Row],[Amaun Pinjaman]],\"\")","v":{"v":2182.289462951223,"d":"RM2,182.29"}},{"$f":"IF(COUNTA(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])<>4,\"\",PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0))","v":{"v":84.85241219126019,"d":"RM84.85"}},{"$f":"IFERROR(PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*12,\"\")","v":{"v":1018.2289462951222,"d":"RM1,018.23"}}]
[null,null,"36785LM","Pemberi pinjaman 3",{"v":6000,"d":"RM6,000.00"},{"v":0.045,"d":"4.50%"},{"v":40969,"d":"4096900.00%"},10,{"$f":"IF(AND(PinjamanKolej[[#This Row],[Tarikh Mula]]>0,PinjamanKolej[[#This Row],[Tempoh (Thn)]]>0),EDATE(PinjamanKolej[[#This Row],[Tarikh Mula]],PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12),\"\")","v":{"v":44621,"d":"4462100.00%"}},{"$f":"IF(AND(PinjamanMulaHariIni,COUNT(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])=4,PinjamanKolej[[#This Row],[Tarikh Mula]]<TODAY()),PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0),\"\")","v":{"v":62.18304525420918,"d":"RM62.18"}},{"$f":"IFERROR((PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*(PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12))-PinjamanKolej[[#This Row],[Amaun Pinjaman]],\"\")","v":{"v":1461.9654305051017,"d":"RM1,461.97"}},{"$f":"IF(COUNTA(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])<>4,\"\",PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0))","v":{"v":62.18304525420918,"d":"RM62.18"}},{"$f":"IFERROR(PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*12,\"\")","v":{"v":746.1965430505102,"d":"RM746.20"}}]
[null,null,"765R43","Pemberi pinjaman 4",{"v":4000,"d":"RM4,000.00"},{"v":0.05,"d":"5.00%"},{"v":41030,"d":"4103000.00%"},5,{"$f":"IF(AND(PinjamanKolej[[#This Row],[Tarikh Mula]]>0,PinjamanKolej[[#This Row],[Tempoh (Thn)]]>0),EDATE(PinjamanKolej[[#This Row],[Tarikh Mula]],PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12),\"\")","v":{"v":42856,"d":"4285600.00%"}},{"$f":"IF(AND(PinjamanMulaHariIni,COUNT(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])=4,PinjamanKolej[[#This Row],[Tarikh Mula]]<TODAY()),PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0),\"\")","v":{"v":75.48493457604374,"d":"RM75.48"}},{"$f":"IFERROR((PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*(PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12))-PinjamanKolej[[#This Row],[Amaun Pinjaman]],\"\")","v":{"v":529.0960745626244,"d":"RM529.10"}},{"$f":"IF(COUNTA(PinjamanKolej[[#This Row],[Amaun Pinjaman]:[Tempoh (Thn)]])<>4,\"\",PMT(PinjamanKolej[[#This Row],[Kadar Faedah Tahunan]]/12,PinjamanKolej[[#This Row],[Tempoh (Thn)]]*12,-PinjamanKolej[[#This Row],[Amaun Pinjaman]],0,0))","v":{"v":75.48493457604374,"d":"RM75.48"}},{"$f":"IFERROR(PinjamanKolej[[#This Row],[Bayaran Dijadualkan]]*12,\"\")","v":{"v":905.8192149125249,"d":"RM905.82"}}]
[null,null,"Jumlah",null,{"$f":"SUBTOTAL(109,PinjamanKolej[Amaun Pinjaman])","v":{"v":28000,"d":"RM28,000.00"}},{"$nulls":4},{"$f":"SUBTOTAL(109,PinjamanKolej[Bayaran Bulanan Semasa])","v":{"v":328.58590726058833,"d":"RM328.59"}},{"$f":"SUBTOTAL(109,PinjamanKolej[Jumlah Faedah])","v":{"v":6901.212796707978,"d":"RM6,901.21"}},{"$f":"SUBTOTAL(109,PinjamanKolej[Bayaran Dijadualkan])","v":{"v":328.58590726058833,"d":"RM328.59"}},{"$f":"SUBTOTAL(109,PinjamanKolej[Bayaran Tahunan])","v":{"v":3943.03088712706,"d":"RM3,943.03"}}]
[null,null,"Purata",null,{"$f":"AVERAGE(PinjamanKolej[Amaun Pinjaman])","v":{"v":7000,"d":"RM7,000.00"}},{"$f":"AVERAGE(PinjamanKolej[Kadar Faedah Tahunan])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(PinjamanKolej[Jumlah Faedah])","v":{"v":1725.3031991769944,"d":"RM1,725.30"}},null,{"$f":"AVERAGE(PinjamanKolej[Bayaran Tahunan])","v":{"v":985.757721781765,"d":"RM985.76"}}]
[]
[{"$nulls":10},"Jumlah Bayar Balik Pinjaman Disatukan:",null,{"$f":"PinjamanKolej[[#Totals],[Amaun Pinjaman]]+PinjamanKolej[[#Totals],[Jumlah Faedah]]","v":{"v":34901.21279670798,"d":"RM34,901.21"}}]
[]
[{"$nulls":10},"Anggaran Pendapatan Bulanan Selepas Berijazah:",null,{"$f":"(AnggaranGajiTahunan/12)","v":{"v":4166.666666666667,"d":"RM4,166.67"}}]