Rabu, 24 April 2013

Pinjaman Bumiputera

Pinjaman Bumiputera mulai dilaunching ke anggota pada bulan Oktober 2012 atau tepatnya 1 tahun setelah Pinjaman Mandiri tahap ke-2 berjalan.

Berikut ini skema pinjaman Bumiputera :
  1. Margin Pinjaman ke Anggota adalah 15,5 % efektif per tahun
  2. Tenor Maksimum adalah 60 bulan (5 tahun)
  3. Asuransi Jiwa Kredit
  4. Plafond Minimum Pinjaman adalah Rp 5,000,000 dan Maksimum Pinjaman adalah 10 x TH (Take Home Pay) atau maksimum Rp 100,000,000
  5. Cicilan adalah 1/3 Take Home Pay
  6. Syarat dokumen anggota koperasi:
  • Fotocopy KTP anggota koperasi yang masih berlaku  
  • Slip gaji dan daftar keterangan gaji yang dibuat secara rekapitulasi yang ditandatangani oleh personalia perusahaan
  • ID Card / Surat keterangan kerja 
  • Copy perjanjian kredit atau permohonan pinjaman yang ditandatangani anggota dan pengurus koperasi. 
  • Foto copy NPWP atau SPT PPh pasal 21 untuk plafond pinjaman > Rp. 50 juta.   
  • Surat kuasa potong gaji ditandatangani oleh anggota koperasi dan personalia. 
  • Surat notifikasi end user terhadap piutang yang dialihkan ke Bank. 
     7. Syarat Anggota Koperasi :
  • WNI
  • Karyawan tetap dengan masa kerja minimum 2 tahun
  • Perorangan, usia minimum 21 tahun dan maksimum 55 tahun atau sampai batas usia pensiun (yang berlaku diperusahaan tempat debitur bekerja dan disertai dengan dokumen pendukung) pada saat pinjaman lunas atau kredit jatuh tempo.
  • Mendapatkan rekomendasi dari koperasi .
  • Karyawan dengan Take Home Pay (THP) minimum Rp.1.500.000,- per bulan (gaji pokok,  tunjangan tetap, insentif  dan rata-rata 50% lembur  3 bulan terakhir). 
  • Jumlah angsuran maksimum 1/3 dari THP per bulan (gaji pokok, tunjangan tetap, insentif dan rata-rata 50% lembur 3 bulan terakhir). 
     8. Tabel Cicilan Pinjaman Bumiputera


Pinjaman/Tenor1224364860
5,000,000 452,472 243,623 174,553 140,424 120,266
5,500,000 497,719 267,985 192,009 154,467 132,293
6,000,000 542,966 292,347 209,464 168,509 144,319
6,500,000 588,214 316,710 226,919 182,552 156,346
7,000,000 633,461 341,072 244,375 196,594 168,372
7,500,000 678,708 365,434 261,830 210,636 180,399
8,000,000 723,955 389,796 279,285 224,679 192,426
8,500,000 769,203 414,159 296,741 238,721 204,452
9,000,000 814,450 438,521 314,196 252,764 216,479
9,500,000 859,697 462,883 331,651 266,806 228,505
10,000,000 904,944 487,245 349,107 280,849 240,532
10,500,000 950,191 511,608 366,562 294,891 252,559
11,000,000 995,439 535,970 384,017 308,933 264,585
11,500,000 1,040,686 560,332 401,473 322,976 276,612
12,000,000 1,085,933 584,695 418,928 337,018 288,638
12,500,000 1,131,180 609,057 436,384 351,061 300,665
13,000,000 1,176,427 633,419 453,839 365,103 312,691
13,500,000 1,221,675 657,781 471,294 379,146 324,718
14,000,000 1,266,922 682,144 488,750 393,188 336,745
14,500,000 1,312,169 706,506 506,205 407,230 348,771
15,000,000 1,357,416 730,868 523,660 421,273 360,798
15,500,000 1,402,663 755,230 541,116 435,315 372,824
16,000,000 1,447,911 779,593 558,571 449,358 384,851
16,500,000 1,493,158 803,955 576,026 463,400 396,878
17,000,000 1,538,405 828,317 593,482 477,443 408,904
17,500,000 1,583,652 852,679 610,937 491,485 420,931
18,000,000 1,628,899 877,042 628,392 505,527 432,957
18,500,000 1,674,147 901,404 645,848 519,570 444,984
19,000,000 1,719,394 925,766 663,303 533,612 457,011
19,500,000 1,764,641 950,129 680,758 547,655 469,037
20,000,000 1,809,888 974,491 698,214 561,697 481,064
20,500,000 1,855,136 998,853 715,669 575,740 493,090
21,000,000 1,900,383 1,023,215 733,124 589,782 505,117
21,500,000 1,945,630 1,047,578 750,580 603,824 517,144
22,000,000 1,990,877 1,071,940 768,035 617,867 529,170
22,500,000 2,036,124 1,096,302 785,490 631,909 541,197
23,000,000 2,081,372 1,120,664 802,946 645,952 553,223
23,500,000 2,126,619 1,145,027 820,401 659,994 565,250
24,000,000 2,171,866 1,169,389 837,856 674,037 577,277
24,500,000 2,217,113 1,193,751 855,312 688,079 589,303
25,000,000 2,262,360 1,218,114 872,767 702,121 601,330
25,500,000 2,307,608 1,242,476 890,222 716,164 613,356
26,000,000 2,352,855 1,266,838 907,678 730,206 625,383
26,500,000 2,398,102 1,291,200 925,133 744,249 637,410
27,000,000 2,443,349 1,315,563 942,588 758,291 649,436
27,500,000 2,488,596 1,339,925 960,044 772,334 661,463
28,000,000 2,533,844 1,364,287 977,499 786,376 673,489
28,500,000 2,579,091 1,388,649 994,954 800,418 685,516
29,000,000 2,624,338 1,413,012 1,012,410 814,461 697,543
29,500,000 2,669,585 1,437,374 1,029,865 828,503 709,569
30,000,000 2,714,832 1,461,736 1,047,320 842,546 721,596
30,500,000 2,760,080 1,486,099 1,064,776 856,588 733,622
31,000,000 2,805,327 1,510,461 1,082,231 870,631 745,649
31,500,000 2,850,574 1,534,823 1,099,686 884,673 757,676
32,000,000 2,895,821 1,559,185 1,117,142 898,715 769,702
32,500,000 2,941,069 1,583,548 1,134,597 912,758 781,729
33,000,000 2,986,316 1,607,910 1,152,052 926,800 793,755
33,500,000 3,031,563 1,632,272 1,169,508 940,843 805,782
34,000,000 3,076,810 1,656,634 1,186,963 954,885 817,808
34,500,000 3,122,057 1,680,997 1,204,418 968,928 829,835
35,000,000 3,167,305 1,705,359 1,221,874 982,970 841,862
35,500,000 3,212,552 1,729,721 1,239,329 997,012 853,888
36,000,000 3,257,799 1,754,084 1,256,785 1,011,055 865,915
36,500,000 3,303,046 1,778,446 1,274,240 1,025,097 877,941
37,000,000 3,348,293 1,802,808 1,291,695 1,039,140 889,968
37,500,000 3,393,541 1,827,170 1,309,151 1,053,182 901,995
38,000,000 3,438,788 1,851,533 1,326,606 1,067,225 914,021
38,500,000 3,484,035 1,875,895 1,344,061 1,081,267 926,048
39,000,000 3,529,282 1,900,257 1,361,517 1,095,309 938,074
39,500,000 3,574,529 1,924,619 1,378,972 1,109,352 950,101
40,000,000 3,619,777 1,948,982 1,396,427 1,123,394 962,128
40,500,000 3,665,024 1,973,344 1,413,883 1,137,437 974,154
41,000,000 3,710,271 1,997,706 1,431,338 1,151,479 986,181
41,500,000 3,755,518 2,022,069 1,448,793 1,165,522 998,207
42,000,000 3,800,765 2,046,431 1,466,249 1,179,564 1,010,234
42,500,000 3,846,013 2,070,793 1,483,704 1,193,607 1,022,261
43,000,000 3,891,260 2,095,155 1,501,159 1,207,649 1,034,287
43,500,000 3,936,507 2,119,518 1,518,615 1,221,691 1,046,314
44,000,000 3,981,754 2,143,880 1,536,070 1,235,734 1,058,340
44,500,000 4,027,002 2,168,242 1,553,525 1,249,776 1,070,367
45,000,000 4,072,249 2,192,604 1,570,981 1,263,819 1,082,394
45,500,000 4,117,496 2,216,967 1,588,436 1,277,861 1,094,420
46,000,000 4,162,743 2,241,329 1,605,891 1,291,904 1,106,447
46,500,000 4,207,990 2,265,691 1,623,347 1,305,946 1,118,473
47,000,000 4,253,238 2,290,053 1,640,802 1,319,988 1,130,500
47,500,000 4,298,485 2,314,416 1,658,257 1,334,031 1,142,527
48,000,000 4,343,732 2,338,778 1,675,713 1,348,073 1,154,553
48,500,000 4,388,979 2,363,140 1,693,168 1,362,116 1,166,580
49,000,000 4,434,226 2,387,503 1,710,623 1,376,158 1,178,606
49,500,000 4,479,474 2,411,865 1,728,079 1,390,201 1,190,633
50,000,000 4,524,721 2,436,227 1,745,534 1,404,243 1,202,660
50,500,000 2,460,589 1,762,989 1,418,285 1,214,686
51,000,000 2,484,952 1,780,445 1,432,328 1,226,713
51,500,000 2,509,314 1,797,900 1,446,370 1,238,739
52,000,000 2,533,676 1,815,355 1,460,413 1,250,766
52,500,000 2,558,038 1,832,811 1,474,455 1,262,793
53,000,000 2,582,401 1,850,266 1,488,498 1,274,819
53,500,000 2,606,763 1,867,721 1,502,540 1,286,846
54,000,000 2,631,125 1,885,177 1,516,582 1,298,872
54,500,000 2,655,488 1,902,632 1,530,625 1,310,899
55,000,000 2,679,850 1,920,087 1,544,667 1,322,926
55,500,000 2,704,212 1,937,543 1,558,710 1,334,952
56,000,000 2,728,574 1,954,998 1,572,752 1,346,979
56,500,000 2,752,937 1,972,453 1,586,795 1,359,005
57,000,000 2,777,299 1,989,909 1,600,837 1,371,032
57,500,000 2,801,661 2,007,364 1,614,879 1,383,058
58,000,000 2,826,023 2,024,819 1,628,922 1,395,085
58,500,000 2,850,386 2,042,275 1,642,964 1,407,112
59,000,000 2,874,748 2,059,730 1,657,007 1,419,138
59,500,000 2,899,110 2,077,186 1,671,049 1,431,165
60,000,000 2,923,473 2,094,641 1,685,092 1,443,191
60,500,000 2,947,835 2,112,096 1,699,134 1,455,218
61,000,000 2,972,197 2,129,552 1,713,176 1,467,245
61,500,000 2,996,559 2,147,007 1,727,219 1,479,271
62,000,000 3,020,922 2,164,462 1,741,261 1,491,298
62,500,000 3,045,284 2,181,918 1,755,304 1,503,324
63,000,000 3,069,646 2,199,373 1,769,346 1,515,351
63,500,000 3,094,008 2,216,828 1,783,389 1,527,378
64,000,000 3,118,371 2,234,284 1,797,431 1,539,404
64,500,000 3,142,733 2,251,739 1,811,473 1,551,431
65,000,000 3,167,095 2,269,194 1,825,516 1,563,457
65,500,000 3,191,458 2,286,650 1,839,558 1,575,484
66,000,000 3,215,820 2,304,105 1,853,601 1,587,511
66,500,000 3,240,182 2,321,560 1,867,643 1,599,537
67,000,000 3,264,544 2,339,016 1,881,686 1,611,564
67,500,000 3,288,907 2,356,471 1,895,728 1,623,590
68,000,000 3,313,269 2,373,926 1,909,770 1,635,617
68,500,000 3,337,631 2,391,382 1,923,813 1,647,644
69,000,000 3,361,993 2,408,837 1,937,855 1,659,670
69,500,000 3,386,356 2,426,292 1,951,898 1,671,697
70,000,000 3,410,718 2,443,748 1,965,940 1,683,723
70,500,000 3,435,080 2,461,203 1,979,983 1,695,750
71,000,000 3,459,443 2,478,658 1,994,025 1,707,777
71,500,000 3,483,805 2,496,114 2,008,067 1,719,803
72,000,000 3,508,167 2,513,569 2,022,110 1,731,830
72,500,000 3,532,529 2,531,024 2,036,152 1,743,856
73,000,000 3,556,892 2,548,480 2,050,195 1,755,883
73,500,000 3,581,254 2,565,935 2,064,237 1,767,910
74,000,000 3,605,616 2,583,390 2,078,280 1,779,936
74,500,000 3,629,978 2,600,846 2,092,322 1,791,963
75,000,000 3,654,341 2,618,301 2,106,364 1,803,989
75,500,000 3,678,703 2,635,756 2,120,407 1,816,016
76,000,000 3,703,065 2,653,212 2,134,449 1,828,043
76,500,000 3,727,427 2,670,667 2,148,492 1,840,069
77,000,000 3,751,790 2,688,122 2,162,534 1,852,096
77,500,000 3,776,152 2,705,578 2,176,577 1,864,122
78,000,000 3,800,514 2,723,033 2,190,619 1,876,149
78,500,000 3,824,877 2,740,488 2,204,661 1,888,175
79,000,000 3,849,239 2,757,944 2,218,704 1,900,202
79,500,000 3,873,601 2,775,399 2,232,746 1,912,229
80,000,000 3,897,963 2,792,854 2,246,789 1,924,255
80,500,000 3,922,326 2,810,310 2,260,831 1,936,282
81,000,000 3,946,688 2,827,765 2,274,874 1,948,308
81,500,000 3,971,050 2,845,221 2,288,916 1,960,335
82,000,000 3,995,412 2,862,676 2,302,958 1,972,362
82,500,000 4,019,775 2,880,131 2,317,001 1,984,388
83,000,000 4,044,137 2,897,587 2,331,043 1,996,415
83,500,000 4,068,499 2,915,042 2,345,086 2,008,441
84,000,000 4,092,862 2,932,497 2,359,128 2,020,468
84,500,000 4,117,224 2,949,953 2,373,171 2,032,495
85,000,000 4,141,586 2,967,408 2,387,213 2,044,521
85,500,000 4,165,948 2,984,863 2,401,255 2,056,548
86,000,000 4,190,311 3,002,319 2,415,298 2,068,574
86,500,000 4,214,673 3,019,774 2,429,340 2,080,601
87,000,000 4,239,035 3,037,229 2,443,383 2,092,628
87,500,000 4,263,397 3,054,685 2,457,425 2,104,654
88,000,000 4,287,760 3,072,140 2,471,468 2,116,681
88,500,000 4,312,122 3,089,595 2,485,510 2,128,707
89,000,000 4,336,484 3,107,051 2,499,552 2,140,734
89,500,000 4,360,847 3,124,506 2,513,595 2,152,761
90,000,000 4,385,209 3,141,961 2,527,637 2,164,787
90,500,000 4,409,571 3,159,417 2,541,680 2,176,814
91,000,000 4,433,933 3,176,872 2,555,722 2,188,840
91,500,000 4,458,296 3,194,327 2,569,765 2,200,867
92,000,000 4,482,658 3,211,783 2,583,807 2,212,894
92,500,000 4,507,020 3,229,238 2,597,849 2,224,920
93,000,000 4,531,382 3,246,693 2,611,892 2,236,947
93,500,000 4,555,745 3,264,149 2,625,934 2,248,973
94,000,000 4,580,107 3,281,604 2,639,977 2,261,000
94,500,000 4,604,469 3,299,059 2,654,019 2,273,027
95,000,000 4,628,832 3,316,515 2,668,062 2,285,053
95,500,000 4,653,194 3,333,970 2,682,104 2,297,080
96,000,000 4,677,556 3,351,425 2,696,146 2,309,106
96,500,000 4,701,918 3,368,881 2,710,189 2,321,133
97,000,000 4,726,281 3,386,336 2,724,231 2,333,160
97,500,000 4,750,643 3,403,791 2,738,274 2,345,186
98,000,000 4,775,005 3,421,247 2,752,316 2,357,213
98,500,000 4,799,367 3,438,702 2,766,359 2,369,239
99,000,000 4,823,730 3,456,157 2,780,401 2,381,266
99,500,000 4,848,092 3,473,613 2,794,443 2,393,293
100,000,000 4,872,454 3,491,068 2,808,486 2,405,319
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