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Thursday, March 13, 2008

Skim kredit bagi hasil

Beberapa dari kita pasti sering bertanya-tanya kredit pembiayaan bagi hasil itu bagaimana sih cara ngitungnya? Apa iya kalau untung dibagi dua, trus kalau rugi juga dibagi dua? Biar tidak bertanya-tanya, yuk kita lihat bagaimana bank syariah menentukan porsi bagi hasil buat kita. Caranya seperti dibawah ini :
.
contoh soal :
Pengusaha nasi padang (saya buat contoh nasi padang, soale sudah 2 tahun ini tidak ketemu) membutuhkan tambahan modal kerja untuk meningkatkan omzet penjualan. Agar bisa melayani lebih banyak pelanggan, maka modal kerja harus ditingkatkan menjadi Rp. 500 Juta. Omzet saat ini adalah sebesar Rp. 100 Juta perbulan. Diharapkan dengan adanya suntikan modal, penjualan dapat digenjot sampai rata-rata Rp. 200 Juta perbulan.
.
Analisa perhitungan bagi hasilnya adalah sebagai berikut :
  • Kebutuhan modal kerja = Rp. 500 Juta
  • Modal Sendiri = Rp. 150 Juta
  • Pembiayaan Bank = Rp. 350 Juta
  • Rencana Penerimaan Usaha = Rp. 200 Juta / bulan ( Rp. 2,4 Milyar / tahun)
  • Expetasi keuntungan Bank = Rp. 24% (bisa dinego)
  • Expektasi Bagi hasil in nominal = 12/12x24%x Rp. 350 Juta = Rp. 84 Juta / tahun
  • Porsi Bank = Rp. 84 Juta / 2.4 Milyar = 3.5%
  • Porsi Nasabah = 100% - 3.5% = 96.5%

Eeiit... tunggu dulu ini belum selesai lho ya ceritanya.... :) diatas itu hanya porsi angka ekspektasi saja, realnya ya setelah dana kredit diusahakan dan dijalankan. Realisasinya adalah seperti ini :

  1. Bila realisasi Penjualan adalah Rp. 200 Juta / bulan, maka bagi hasil yang diterima oleh Bank adalah sebagai berikut : 3.5% x Rp. 200 Juta = Rp. 7 Juta.
  2. Bila realisasi Penjualan adalah Rp. 225 juta / bulan, maka bagi hasil yang diterima bank adalah sebagai berikut : 3.5% x Rp. 225 Juta = Rp. 7,875 Juta.
  3. Bila realisasi Penjualan adalah Rp. 175 juta / bulan, maka bagi hasil yang diterima bank adalah sebagai berikut : 3.5% x Rp. 175 Juta = Rp. 6,125 Juta.

Nah sekarang bisa lihat kan? kalau pendapatan kita pada bulan tersebut tinggi maka kita bayar bagi hasil ke Bank juga tinggi. Namun bila bulan ini pendapatan kita turun, otomatis pembayaran bagi hasil ke bank juga turun. Makanya ketika mengajukan pembiayaan dengan skim bagi hasil, rencana penjualannya yang normal-normal saja tidak usah over optimis soalnya berimbas ke porsi bagi hasil kita.

Oke Salam sukses selalu.

10 comments:

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