viiiPOLA PEMBIAYAAN USAHA KECIL

Serbuk gergaji

Jagung giling

Kapur

Urea

Komposisi untuk jenis jamur (bagian)

Tiram abu-abu Tiram hitam Tiram pinkBahan

100

10

5

1-

1

Tabel 4.1. Komposisi Pengemasan Media Pertumbuhan Jamur

Tiram Putih

-

-

CaCO3

Gips

Trisodium Phospate

Dedak

100

17,5-

-

1,5

1

0,3-

100

15-

1-

1-

-

100

20-

1-

1-

0,3

BIAYA VARIABEL

1. Serbuk Gergaji

2. Dedak

3. Kapur (120 kg x 5 kubung)

4. Bahan Bakar Gas

5. Kantong Plastik PVC

6. Bibit Jamur

7. Karet gelang

8. Limbah Kapas

Jumlah Biaya Variabel

JUMLAH SATUAN

HARGA SATUAN(RP)

TOTAL HARGA(RP)

VOLUME

40

4.000

1.200

8

800

850

2

100

Ton

Kg

Kg

Tabung

Kg

BotolKg

Kg

150.000

1.300

500

90.000

30.000

30.000

25.000

1.000

6.000.000

5.200.000

600.000

720.000

24.000.000

25.500.000

50.000

100.000

62.170.000

NAMA BARANG

BIAYA TETAP

JUMLAH SATUANHARGA BULANAN

(RP)HARGA TAHUNAN

(RP)JENIS

1. Tenaga Kerja Tetap (2 org @ Rp 1.500.000)

3. Sewa Tanah (2.000 m2 @ Rp. 1.000.000/th)

4.Listrik

5.Biaya Kuli angkut

6.telepon

7.administrasi

8.iuran

9.biaya sosial

10.Perawatan

2. Tenaga Kerja Panen (5x8 harix2 kali panen @ Rp 25.000)

Jumlah Biaya Tetap

Total

2

5

1

1

1

1

1

1

1

1

1.250.000

25.000

tahun

bulan

bulan

bulan

bulan

bulan

bulan

bulan

2.500.000

1.000.000

83.333

200.000

150.000

85.000

100.000

10.000

400.000

200.000

30.000.000

12.000.000

1.000.000

2.400.000

1.800.000

1.020.000

1.200.000

120.000

1.600.000

2.400.000

53.540.000

223.360.000

Tabel 5.2. Biaya Operasional Budidaya Jamur Tiram

TAHUNURAIAN

N o . K o m p o n e n B i a y a V o l u m e H a r g a S a t u a n ( R p ) T o t a l B i a y a ( R p ) T o t a l B i a y a p e r

T a h u n ( R p )

1 B I B I T

B ib it k e n t a n g A t la n t ik 1 , 5 0 0 K g 1 2 , 5 0 0 1 8 , 7 5 0 , 0 0 0 5 6 , 2 5 0 , 0 0 0

J u m l a h ( 1 ) 1 8 , 7 5 0 , 0 0 0 5 6 , 2 5 0 , 0 0 0

2 P U P U K

P u p u k k a n d a n g 6 0 0 K a r u n g 9 , 0 0 0 5 , 4 0 0 , 0 0 0 1 6 , 2 0 0 , 0 0 0

N P K 1 5 - 1 5 - 1 5 - K g 7 , 0 0 0 0 -

U r e a 1 , 0 0 0 K g 2 , 4 0 0 2 , 4 0 0 , 0 0 0 7 , 2 0 0 , 0 0 0

S P 3 6 6 5 0 K g 3 , 2 0 0 2 , 0 8 0 , 0 0 0 6 , 2 4 0 , 0 0 0

K C l 3 0 0 K g 2 , 2 5 0 6 7 5 , 0 0 0 2 , 0 2 5 , 0 0 0

Z A 1 , 5 0 0 K g 1 , 7 0 0 2 , 5 5 0 , 0 0 0 7 , 6 5 0 , 0 0 0

M a r s h a l 2 0 K g 1 7 , 5 0 0 3 5 0 , 0 0 0 1 , 0 5 0 , 0 0 0

J u m l a h ( 2 ) 1 3 , 4 5 5 , 0 0 0 4 0 , 3 6 5 , 0 0 0

3 B A H A N P E N U N J A N G

-

B B M m e s in s e m p r o t 7 0 lit e r 5 , 0 0 0 3 5 0 , 0 0 0 1 , 0 5 0 , 0 0 0

B B M p o m p a a ir 5 6 lit e r 4 , 5 0 0 2 5 2 , 0 0 0 7 5 6 , 0 0 0

A jir / t u r u s 2 0 , 0 0 0 b u a h 5 0 1 , 0 0 0 , 0 0 0 3 , 0 0 0 , 0 0 0

T a li r a f ia 2 5 r o l 1 5 , 0 0 0 3 7 5 , 0 0 0 1 , 1 2 5 , 0 0 0

J u m l a h ( 3 ) 1 , 9 7 7 , 0 0 0 5 , 9 3 1 , 0 0 0

4 P E S T I S I D A

-

V o n d o z e b 3 0 k g 6 0 , 0 0 0 1 , 8 0 0 , 0 0 0 5 , 4 0 0 , 0 0 0

D a c o n il 1 5 k g 1 6 0 , 0 0 0 2 , 4 0 0 , 0 0 0 7 , 2 0 0 , 0 0 0

R id o m il M Z ( 5 0 0 g ) 8 p a c k 1 6 0 , 0 0 0 1 , 2 8 0 , 0 0 0 3 , 8 4 0 , 0 0 0

R a m p a g e 5 lit e r 4 6 0 , 0 0 0 2 , 3 0 0 , 0 0 0 6 , 9 0 0 , 0 0 0

C a lic r o n 7 lit e r 1 5 0 , 0 0 0 1 , 0 5 0 , 0 0 0 3 , 1 5 0 , 0 0 0

A p s a 6 lit e r 1 3 3 , 0 0 0 7 9 8 , 0 0 0 2 , 3 9 4 , 0 0 0

D e k a m o n 3 lit e r 9 0 , 0 0 0 2 7 0 , 0 0 0 8 1 0 , 0 0 0

J u m l a h ( 4 ) 9 , 8 9 8 , 0 0 0 2 9 , 6 9 4 , 0 0 0 5 U P A H T E N A G A K E R J A

a . P e n g o la h a n t a n a h 1 5 6 H O K 2 0 , 0 0 0 3 , 1 2 0 , 0 0 0 9 , 3 6 0 , 0 0 0

b . P e n a n a m a n & P e n im b u n a n

4 3 H O K 2 0 , 0 0 0 8 6 0 , 0 0 0 2 , 5 8 0 , 0 0 0

c . P e m e lih a r a a n T a n a m a n 2 0 6 H O K 2 0 , 0 0 0 4 , 1 2 0 , 0 0 0 1 2 , 3 6 0 , 0 0 0

d . P e n ja g a k e b u n 6 8 H O K 2 0 , 0 0 0 1 , 3 6 0 , 0 0 0 4 , 0 8 0 , 0 0 0

e . P e m a n e n a n 7 7 H O K 2 0 , 0 0 0 1 , 5 4 0 , 0 0 0 4 , 6 2 0 , 0 0 0

f . P e n g a n g k u t a n s a m p a i p in g g ir

7 7 H O K 2 0 , 0 0 0 1 , 5 4 0 , 0 0 0 4 , 6 2 0 , 0 0 0

g . A n t a r - je m p u t T K 3 0 r it 5 0 , 0 0 0 1 , 5 0 0 , 0 0 0 4 , 5 0 0 , 0 0 0

h . P ik u l b a h a n 1 7 , 7 2 0 k g 5 0 8 8 6 , 0 0 0 2 , 6 5 8 , 0 0 0

J u m l a h ( 5 ) 1 4 , 9 2 6 , 0 0 0 4 4 , 7 7 8 , 0 0 0

J U M L A H B I A Y A V A R I A B E L 5 9 , 0 0 6 , 0 0 0 1 7 7 , 0 1 8 , 0 0 0

No. Komponen Biaya Volume Harga Satuan (Rp) Total Biaya (Rp) Total Biaya per

Tahun (Rp)

1 BIBIT

Bibit kentang Atlantik 1,500 Kg 12,500 18,750,000 56,250,000

Jumlah (1) 18,750,000 56,250,000

2 PUPUK

Pupuk kandang 600 Karung 9,000 5,400,000 16,200,000

NPK 15-15-15 - Kg 7,000 0 -

Urea 1,000 Kg 2,400 2,400,000 7,200,000

SP 36 650 Kg 3,200 2,080,000 6,240,000

KCl 300 Kg 2,250 675,000 2,025,000

ZA 1,500 Kg 1,700 2,550,000 7,650,000

Marshal 20 Kg 17,500 350,000 1,050,000

Jumlah (2) 13,455,000 40,365,000

3 BAHAN PENUNJANG

-

BBM mesin semprot 70 liter 5,000 350,000 1,050,000

BBM pompa air 56 liter 4,500 252,000 756,000

Ajir/turus 20,000 buah 50 1,000,000 3,000,000

Tali rafia 25 rol 15,000 375,000 1,125,000

Jumlah (3) 1,977,000 5,931,000

4 PESTISIDA

-

Vondozeb 30 kg 60,000 1,800,000 5,400,000

Daconil 15 kg 160,000 2,400,000 7,200,000

Ridomil MZ (500 g) 8 pack 160,000 1,280,000 3,840,000

Rampage 5 liter 460,000 2,300,000 6,900,000

Calicron 7 liter 150,000 1,050,000 3,150,000

Apsa 6 liter 133,000 798,000 2,394,000

Dekamon 3 liter 90,000 270,000 810,000

Jumlah (4) 9,898,000 29,694,000 5 UPAH TENAGA KERJA

a. Pengolahan tanah 156 HOK 20,000 3,120,000 9,360,000

b. Penanaman & Penimbunan

43 HOK 20,000 860,000 2,580,000

c. Pemeliharaan Tanaman 206 HOK 20,000 4,120,000 12,360,000

d. Penjaga kebun 68 HOK 20,000 1,360,000 4,080,000

e. Pemanenan 77 HOK 20,000 1,540,000 4,620,000

f. Pengangkutan sampai pinggir

77 HOK 20,000 1,540,000 4,620,000

g. Antar-jemput TK 30 rit 50,000 1,500,000 4,500,000

h. Pikul bahan 17,720 kg 50 886,000 2,658,000

Jumlah (5) 14,926,000 44,778,000

JUMLAH BIAYA VARIABEL 59,006,000 177,018,000

Deskripsi Tahun

0 1 2 3 4

CASH INFLOW

Hasil penjualan - 147,037,500 147,037,500 147,037,500 147,037,500

Investasi

a. Modal Sendiri 3,392,800

b. Modal Kredit 5,089,200

Modal Kerja

a. Modal Sendiri 28,062,400

b. Modal Kredit 42,093,600

Nilai sisa 740,000

TOTAL INFLOW 78,638,000 147,037,500 147,037,500 147,037,500 147,777,500

Total Inflow (IRR) - 76,881,500 147,037,500 147,037,500 147,777,500

CASH OUTFLOW

Biaya Investasi 8,482,000

Biaya Tetap 11,150,000 11,150,000 11,150,000 11,150,000 11,150,000

Biaya Variabel 59,006,000 59,006,000 59,006,000 59,006,000 59,006,000

Pengembalian pinjaman

a. Pokok Investasi - 5,089,200 5,089,200 5,089,200 5,089,200

Bunga Investasi - 5,089,200 5,089,200 5,089,200 5,089,200

b. Pokok Modal Kerja - 63,140,400 63,140,400 63,140,400 63,140,400

Bunga Modal Kerja - 7,576,848 7,576,848 7,576,848 7,576,848

Pajak - 7,818,360 7,818,360 7,818,360 7,818,360

TOTAL OUTFLOW 78,638,000 158,870,008 158,870,008 158,870,008 158,870,008

Total Outflow (IRR) 78,638,000 77,974,360 77,974,360 77,974,360 77,974,360

Net cash flow (IRR) (78,638,000) (1,092,860) 69,063,140 69,063,140 69,803,140

Tahun -2 15.071.000 7.472.704 22.543.704

Bunga : 14%

Periode Kredit Angsuran

TetapBunga Total Saldo Awal

Tahun -0 75.355.000 75.355.000

Bulan -1 1.255.917 879.142 2.135.058 75.355.000

Bulan -2

Bulan -3 1.255.917 849.837 2.105.754 72.843.167

Bulan -4 1.255.917 835.185 2.091.101 71.587.250

Bulan -5 1.255.917 820.532 2.076.449 70.331.333

Bulan -6 1.255.917 805.880 2.061.797 69.075.417

Bulan -7 1.255.917 791.228 2.047.144 67.819.500

Bulan -8 1.255.917 776.575 2.032.492 66.563.583

Bulan -9 1.255.917 761.923 2.017.839 65.307.667

Bulan -10 1.255.917 747.270 2.003.187 64.051.750

Bulan -11 1.255.917 732.618 1.988.535 62.795.833

Bulan -12 1.255.917 717.966 1.973.882 61.539.917

Tahun -1 15.071.000 9.582.644 24.653.644

Bulan -1 1.255.917 703.313 1.959.230 60.284.000

Bulan -2 1.255.917 688.661 1.944.578 59.028.083

Bulan -3 1.255.917 674.009 1.929.925 57.772.167

Bulan -4 1.255.917 659.356 1.915.273 56.516.250

Bulan -5 1.255.917 644.704 1.900.621 55.260.333

Bulan -6 1.255.917 630.052 1.885.968 54.004.417

Bulan -7 1.255.917 615.399 1.871.316 52.748.500

Bulan -8 1.255.917 600.747 1.856.663 51.492.583

Bulan -9 1.255.917 586.094 1.842.011 50.236.667

Bulan -10 1.255.917 571.442 1.827.359 48.980.750

Bulan -11 1.255.917 556.790 1.812.706 47.724.833

Bulan -12 1.255.917 542.137 1.798.054 46.468.917

Saldo Akhir

75.355.000

74.099.083

72.843.167

71.587.250

70.331.333

69.075.417

67.819.500

66.563.583

65.307.667

64.051.750

62.795.833

61.539.917

60.284.000

59.028.083

57.772.167

56.516.250

55.260.333

54.004.417

52.748.500

51.492.583

50.236.667

48.980.750

47.724.833

46.468.917

45.213.000

Periode Kredit

Bulan -1 1.255.917 527.485 1.783.402 45.213.000

Bulan -2 1.255.917 512.833 1.768.749 43.957.083

Bulan -3 1.255.917 498.180 1.754.097 42.701.167

Bulan -4 1.255.917 483.528 1.739.445 41.445.250

Bulan -5 1.255.917 468.876 1.724.792 40.189.333

Bulan -6 1.255.917 454.223 1.710.140 38.933.417

43.957.083

42.701.167

41.445.250

40.189.333

38.933.417

37.677.500

Bulan -7 1.255.917 439.571 1.695.488 37.677.500

Bulan -8 1.255.917 424.918 1.680.835 36.421.583

Bulan -9 1.255.917 410.266 1.666.183 35.165.667

Bulan -10 1.255.917 395.614 1.651.530 33.909.750

Bulan -11 1.255.917 380.961 1.636.878 32.653.833

Bulan -12 1.255.917 366.309 1.622.226 31.397.917

Tahun -3 15.071.000 5.362.764 20.433.764

Bulan -1 1.255.917 351.657 1.607.573 30.142.000

36.421.583

35.165.667

33.909.750

32.653.833

31.397.917

30.142.000

28.886.083

28.886.083

27.630.167

26.374.250

25.118.333

23.862.417

22.606.500

21.350.583

20.094.667

18.838.750

17.582.833

16.326.917

15.071.000

13.815.083

27.630.167

26.374.250

25.118.333

23.862.417

22.606.500

21.350.583

20.094.667

18.838.750

17.582.833

16.326.917

15.071.000

13.815.083

12.559.167

Bulan -2

Bulan -3

Bulan -4

Bulan -5

Bulan -6

Bulan -7

Bulan -8

Bulan -9

Bulan -10

Bulan -11

Bulan -12

Tahun -4

Bulan -1

Bulan -2

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

15.071.000

1.255.917

1.255.917

337.004

322.352

307.700

293.047

278.395

263.743

249.090

234.438

219.785

205.133

190.481

3.252.824

175.828

161.176

1.592.921

1.578.269

1.563.616

1.548.964

1.534.312

1.519.659

1.505.007

1.490.354

1.475.702

1.461.050

1.446.397

18.323.824

1.431.745

1.417.093

Angsuran

TetapBunga Total Saldo Awal Saldo Akhir

Bunga : 14%

Periode KreditAngsuran

TetapBunga Total Saldo Awal Saldo Akhir

12.559.167

11.303.250

10.047.333

8.791.417

7.535.500

6.279.583

5.023.667

3.767.750

2.511.833

1.255.917

11.303.250

10.047.333

8.791.417

7.535.500

6.279.583

5.023.667

3.767.750

2.511.833

1.255.917

0

Bulan -3

Bulan -4

Bulan -5

Bulan -6

Bulan -7

Bulan -8

Bulan -9

Bulan -10

Bulan -11

Bulan -12

Tahun -5

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

1.255.917

15.071.000

146.524

131.871

117.219

102.567

87.914

73.262

58.609

43.957

29.305

14.652

1.142.884

1.402.440

1.387.788

1.373.136

1.358.483

1.343.831

1.329.178

1.314.526

1.299.874

1.285.221

1.270.569

16.213.884

TAHUNURAIAN

TAHUNURAIAN

TAHUNURAIAN

TAHUNURAIAN

TAHUNURAIAN

TAHUNURAIAN

TAHUNURAIAN

1: COVER DEPAN2: HLM KSG3: SUBCOVER4: HAL KSG5: KATA PGNTRPage 67: RINGSEKPage 8Page 910: HTX11: DFTR ISIPage 1213: DFTR GMBR14: DFTR TBL15: BAB I16: HTX17: BAB IIPage 18Page 1920: HTX21: BAB IIIPage 22Page 23Page 24Page 25Page 26Page 2728: HTX29: BAB IVPage 30Page 31Page 32Page 33Page 34Page 35Page 36Page 37Page 38Page 39Page 4041: BAB VPage 42Page 43Page 44Page 45Page 46Page 47Page 4849: BAB VIPage 5051: BAB VIIPage 5253: DFTR PUSTAKA54: HTX55: LAMPIRAN56: HTXPage 57Page 58Page 59Page 60Page 61Page 62Page 63Page 64Page 65Page 66Page 67Page 68Page 69Page 70Page 71Page 7273: HLM KSG74: COVER BELAKANG