TABEL I

Future value interest factor of Rp1 at i% at the end of n periods (FVIFi,n)

(FVIF i,n )=( 1+i )n
Period INTEREST RATE (i) Period
(n) 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% (n)
1 1.01000 1.02000 1.03000 1.04000 1.05000 1.06000 1.07000 1.08000 1.09000 1.10000 1.11000 1.12000 1.13000 1
2 1.02010 1.04040 1.06090 1.08160 1.10250 1.12360 1.14490 1.16640 1.18810 1.21000 1.23210 1.25440 1.27690 2
3 1.03030 1.06121 1.09273 1.12486 1.15763 1.19102 1.22504 1.25971 1.29503 1.33100 1.36763 1.40493 1.44290 3
4 1.04060 1.08243 1.12551 1.16986 1.21551 1.26248 1.31080 1.36049 1.41158 1.46410 1.51807 1.57352 1.63047 4
5 1.05101 1.10408 1.15927 1.21665 1.27628 1.33823 1.40255 1.46933 1.53862 1.61051 1.68506 1.76234 1.84244 5
6 1.06152 1.12616 1.19405 1.26532 1.34010 1.41852 1.50073 1.58687 1.67710 1.77156 1.87041 1.97382 2.08195 6
7 1.07214 1.14869 1.22987 1.31593 1.40710 1.50363 1.60578 1.71382 1.82804 1.94872 2.07616 2.21068 2.35261 7
8 1.08286 1.17166 1.26677 1.36857 1.47746 1.59385 1.71819 1.85093 1.99256 2.14359 2.30454 2.47596 2.65844 8
9 1.09369 1.19509 1.30477 1.42331 1.55133 1.68948 1.83846 1.99900 2.17189 2.35795 2.55804 2.77308 3.00404 9
10 1.10462 1.21899 1.34392 1.48024 1.62889 1.79085 1.96715 2.15892 2.36736 2.59374 2.83942 3.10585 3.39457 10
11 1.11567 1.24337 1.38423 1.53945 1.71034 1.89830 2.10485 2.33164 2.58043 2.85312 3.15176 3.47855 3.83586 11
12 1.12683 1.26824 1.42576 1.60103 1.79586 2.01220 2.25219 2.51817 2.81266 3.13843 3.49845 3.89598 4.33452 12
13 1.13809 1.29361 1.46853 1.66507 1.88565 2.13293 2.40985 2.71962 3.06580 3.45227 3.88328 4.36349 4.89801 13
14 1.14947 1.31948 1.51259 1.73168 1.97993 2.26090 2.57853 2.93719 3.34173 3.79750 4.31044 4.88711 5.53475 14
15 1.16097 1.34587 1.55797 1.80094 2.07893 2.39656 2.75903 3.17217 3.64248 4.17725 4.78459 5.47357 6.25427 15
16 1.17258 1.37279 1.60471 1.87298 2.18287 2.54035 2.95216 3.42594 3.97031 4.59497 5.31089 6.13039 7.06733 16
17 1.18430 1.40024 1.65285 1.94790 2.29202 2.69277 3.15882 3.70002 4.32763 5.05447 5.89509 6.86604 7.98608 17
18 1.19615 1.42825 1.70243 2.02582 2.40662 2.85434 3.37993 3.99602 4.71712 5.55992 6.54355 7.68997 9.02427 18
19 1.20811 1.45681 1.75351 2.10685 2.52695 3.02560 3.61653 4.31570 5.14166 6.11591 7.26334 8.61276 10.19742 19
20 1.22019 1.48595 1.80611 2.19112 2.65330 3.20714 3.86968 4.66096 5.60441 6.72750 8.06231 9.64629 11.52309 20
21 1.23239 1.51567 1.86029 2.27877 2.78596 3.39956 4.14056 5.03383 6.10881 7.40025 8.94917 10.80385 13.02109 21
22 1.24472 1.54598 1.91610 2.36992 2.92526 3.60354 4.43040 5.43654 6.65860 8.14027 9.93357 12.10031 14.71383 22
23 1.25716 1.57690 1.97359 2.46472 3.07152 3.81975 4.74053 5.87146 7.25787 8.95430 11.02627 13.55235 16.62663 23
24 1.26973 1.60844 2.03279 2.56330 3.22510 4.04893 5.07237 6.34118 7.91108 9.84973 12.23916 15.17863 18.78809 24
25 1.28243 1.64061 2.09378 2.66584 3.38635 4.29187 5.42743 6.84848 8.62308 10.83471 13.58546 17.00006 21.23054 25
30 1.34785 1.81136 2.42726 3.24340 4.32194 5.74349 7.61226 10.06266 13.26768 17.44940 22.89230 29.95992 39.11590 30
35 1.41660 1.99989 2.81386 3.94609 5.51602 7.68609 10.67658 14.78534 20.41397 28.10244 38.57485 52.79962 72.06851 35
40 1.48886 2.20804 3.26204 4.80102 7.03999 10.28572 14.97446 21.72452 31.40942 45.25926 65.00087 93.05097 132.78155 40
45 1.56481 2.43785 3.78160 5.84118 8.98501 13.76461 21.00245 31.92045 48.32729 72.89048 109.53024 163.98760 244.64140 45
50 1.64463 2.69159 4.38391 7.10668 11.46740 18.42015 29.45703 46.90161 74.35752 117.39085 184.56483 289.00219 450.73593 50
TABEL I (lanjutan)
Future value interest factor of Rp1 at i% at the end of n periods (FVIFi,n)
(FVIF i,n )=( 1+i )n
Period INTEREST RATE (i) Period
(n) 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% (n)
1 1.14000 1.15000 1.16000 1.17000 1.18000 1.19000 1.20000 1.21000 1.22000 1.23000 1
2 1.29960 1.32250 1.34560 1.36890 1.39240 1.41610 1.44000 1.46410 1.48840 1.51290 2
3 1.48154 1.52088 1.56090 1.60161 1.64303 1.68516 1.72800 1.77156 1.81585 1.86087 3
4 1.68896 1.74901 1.81064 1.87389 1.93878 2.00534 2.07360 2.14359 2.21533 2.28887 4
5 1.92541 2.01136 2.10034 2.19245 2.28776 2.38635 2.48832 2.59374 2.70271 2.81531 5
6 2.19497 2.31306 2.43640 2.56516 2.69955 2.83976 2.98598 3.13843 3.29730 3.46283 6
7 2.50227 2.66002 2.82622 3.00124 3.18547 3.37932 3.58318 3.79750 4.02271 4.25928 7
8 2.85259 3.05902 3.27841 3.51145 3.75886 4.02139 4.29982 4.59497 4.90771 5.23891 8
9 3.25195 3.51788 3.80296 4.10840 4.43545 4.78545 5.15978 5.55992 5.98740 6.44386 9
10 3.70722 4.04556 4.41144 4.80683 5.23384 5.69468 6.19174 6.72750 7.30463 7.92595 10
11 4.22623 4.65239 5.11726 5.62399 6.17593 6.77667 7.43008 8.14027 8.91165 9.74891 11
12 4.81790 5.35025 5.93603 6.58007 7.28759 8.06424 8.91610 9.84973 10.87221 11.99116 12
13 5.49241 6.15279 6.88579 7.69868 8.59936 9.59645 10.69932 11.91818 13.26410 14.74913 13
14 6.26135 7.07571 7.98752 9.00745 10.14724 11.41977 12.83918 14.42099 16.18220 18.14143 14
15 7.13794 8.13706 9.26552 10.53872 11.97375 13.58953 15.40702 17.44940 19.74229 22.31396 15
16 8.13725 9.35762 10.74800 12.33030 14.12902 16.17154 18.48843 21.11378 24.08559 27.44617 16
17 9.27646 10.76126 12.46768 14.42646 16.67225 19.24413 22.18611 25.54767 29.38442 33.75879 17
18 10.57517 12.37545 14.46251 16.87895 19.67325 22.90052 26.62333 30.91268 35.84899 41.52331 18
19 12.05569 14.23177 16.77652 19.74838 23.21444 27.25162 31.94800 37.40434 43.73577 51.07368 19
20 13.74349 16.36654 19.46076 23.10560 27.39303 32.42942 38.33760 45.25926 53.35764 62.82062 20
21 15.66758 18.82152 22.57448 27.03355 32.32378 38.59101 46.00512 54.76370 65.09632 77.26936 21
22 17.86104 21.64475 26.18640 31.62925 38.14206 45.92331 55.20614 66.26408 79.41751 95.04132 22
23 20.36158 24.89146 30.37622 37.00623 45.00763 54.64873 66.24737 80.17953 96.88936 116.90082 23
24 23.21221 28.62518 35.23642 43.29729 53.10901 65.03199 79.49685 97.01723 118.20502 143.78801 24
25 26.46192 32.91895 40.87424 50.65783 62.66863 77.38807 95.39622 117.39085 144.21013 176.85925 25
30 50.95016 66.21177 85.84988 111.06465 143.37064 184.67531 237.37631 304.48164 389.75789 497.91286 30
35 98.10018 133.17552 180.31407 243.50347 327.99729 440.70061 590.66823 789.74696 1,053.40184 1,401.77690 35
40 188.88351 267.86355 378.72116 533.86871 750.37834 1,051.66751 1,469.77157 2,048.40021 2,847.03776 3,946.43049 40
45 363.67907 538.76927 795.44383 1,170.47941 1,716.68388 2,509.65060 3,657.26199 5,313.02261 7,694.71219 11,110.40819 45
50 700.23299 1,083.65744 1,670.70380 2,566.21528 3,927.35686 5,988.91390 9,100.43815 13,780.61234 20,796.56145 31,279.19532 50
TABEL I (lanjutan)
Future value interest factor of Rp1 at i% at the end of n periods (FVIFi,n)
(FVIF i,n )=( 1+i )n
Period INTEREST RATE (i) Period
(n) 24% 25% 26% 27% 28% 29% 30% 31% 32% 33% (n)
1 1.24000 1.25000 1.26000 1.27000 1.28000 1.29000 1.30000 1.31000 1.32000 1.33000 1
2 1.53760 1.56250 1.58760 1.61290 1.63840 1.66410 1.69000 1.71610 1.74240 1.76890 2
3 1.90662 1.95313 2.00038 2.04838 2.09715 2.14669 2.19700 2.24809 2.29997 2.35264 3
4 2.36421 2.44141 2.52047 2.60145 2.68435 2.76923 2.85610 2.94500 3.03596 3.12901 4
5 2.93163 3.05176 3.17580 3.30384 3.43597 3.57231 3.71293 3.85795 4.00746 4.16158 5
6 3.63522 3.81470 4.00150 4.19587 4.39805 4.60827 4.82681 5.05391 5.28985 5.53490 6
7 4.50767 4.76837 5.04190 5.32876 5.62950 5.94467 6.27485 6.62063 6.98261 7.36142 7
8 5.58951 5.96046 6.35279 6.76752 7.20576 7.66863 8.15731 8.67302 9.21704 9.79069 8
9 6.93099 7.45058 8.00451 8.59475 9.22337 9.89253 10.60450 11.36166 12.16649 13.02161 9
10 8.59443 9.31323 10.08569 10.91534 11.80592 12.76136 13.78585 14.88377 16.05977 17.31874 10
11 10.65709 11.64153 12.70796 13.86248 15.11157 16.46216 17.92160 19.49774 21.19890 23.03393 11
12 13.21479 14.55192 16.01204 17.60535 19.34281 21.23619 23.29809 25.54204 27.98254 30.63513 12
13 16.38634 18.18989 20.17516 22.35879 24.75880 27.39468 30.28751 33.46007 36.93696 40.74472 13
14 20.31906 22.73737 25.42071 28.39567 31.69127 35.33914 39.37376 43.83269 48.75678 54.19048 14
15 25.19563 28.42171 32.03009 36.06250 40.56482 45.58749 51.18589 57.42083 64.35895 72.07333 15
16 31.24259 35.52714 40.35792 45.79937 51.92297 58.80786 66.54166 75.22128 84.95382 95.85753 16
17 38.74081 44.40892 50.85097 58.16520 66.46140 75.86214 86.50416 98.53988 112.13904 127.49052 17
18 48.03860 55.51115 64.07223 73.86981 85.07059 97.86216 112.45541 129.08724 148.02353 169.56239 18
19 59.56786 69.38894 80.73100 93.81466 108.89036 126.24218 146.19203 169.10429 195.39106 225.51798 19
20 73.86415 86.73617 101.72107 119.14462 139.37966 162.85242 190.04964 221.52662 257.91620 299.93892 20
21 91.59155 108.42022 128.16854 151.31366 178.40596 210.07962 247.06453 290.19987 340.44939 398.91876 21
22 113.57352 135.52527 161.49236 192.16835 228.35963 271.00271 321.18389 380.16183 449.39319 530.56195 22
23 140.83116 169.40659 203.48038 244.05380 292.30033 349.59349 417.53905 498.01199 593.19901 705.64739 23
24 174.63064 211.75824 256.38528 309.94833 374.14442 450.97560 542.80077 652.39571 783.02269 938.51103 24
25 216.54199 264.69780 323.04545 393.63438 478.90486 581.75853 705.64100 854.63838 1033.58996 1248.21968 25
30 634.81993 807.79357 1025.92675 1300.50381 1645.50456 2078.21899 2619.99564 3297.15125 4142.07479 5194.56553 30
35 1861.05403 2465.19033 3258.13503 4296.65253 5653.91061 7424.03243 9727.86043 12720.24124 16599.21661 21617.59787 35
40 5455.91262 7523.16385 10347.17525 14195.43934 19426.68892 26520.90940 36118.86481 49074.04154 66520.76702 89963.35407 40
45 15994.69019 22958.87404 32860.52747 46899.41688 66749.59487 94740.78164 134106.81671 189325.14779 266579.59527 374389.65807 45
50 46890.43461 70064.92322 104358.36249 154948.02600 229349.86160 338442.98358 497929.22298 730406.75798 1068308.19601 1558052.35945 50
TABEL I (lanjutan)
Future value interest factor of Rp1 at i% at the end of n periods (FVIFi,n)
(FVIF i,n )=( 1+i )n
Period INTEREST RATE (i) Period
(n) 34% 35% 36% 38% 40% 45% 50% (n)
1 1.34000 1.35000 1.36000 1.38000 1.40000 1.45000 1.50000 1
2 1.79560 1.82250 1.84960 1.90440 1.96000 2.10250 2.25000 2
3 2.40610 2.46038 2.51546 2.62807 2.74400 3.04863 3.37500 3
4 3.22418 3.32151 3.42102 3.62674 3.84160 4.42051 5.06250 4
5 4.32040 4.48403 4.65259 5.00490 5.37824 6.40973 7.59375 5
6 5.78934 6.05345 6.32752 6.90676 7.52954 9.29411 11.39063 6
7 7.75771 8.17215 8.60543 9.53133 10.54135 13.47647 17.08594 7
8 10.39533 11.03240 11.70338 13.15324 14.75789 19.54088 25.62891 8
9 13.92975 14.89375 15.91660 18.15147 20.66105 28.33427 38.44336 9
10 18.66586 20.10656 21.64657 25.04903 28.92547 41.08469 57.66504 10
11 25.01225 27.14385 29.43933 34.56766 40.49565 59.57280 86.49756 11
12 33.51642 36.64420 40.03750 47.70337 56.69391 86.38056 129.74634 12
13 44.91200 49.46967 54.45099 65.83065 79.37148 125.25182 194.61951 13
14 60.18208 66.78405 74.05335 90.84629 111.12007 181.61513 291.92926 14
15 80.64398 90.15847 100.71256 125.36788 155.56810 263.34194 437.89389 15
16 108.06294 121.71393 136.96908 173.00768 217.79533 381.84582 656.84084 16
17 144.80434 164.31381 186.27795 238.75060 304.91347 553.67643 985.26125 17
18 194.03781 221.82364 253.33801 329.47583 426.87885 802.83083 1,477.89188 18
19 260.01067 299.46192 344.53969 454.67664 597.63040 1,164.10470 2,216.83782 19
20 348.41430 404.27359 468.57398 627.45376 836.68255 1,687.95181 3,325.25673 20
21 466.87516 545.76935 637.26061 865.88619 1,171.35558 2,447.53013 4,987.88510 21
22 625.61271 736.78862 866.67443 1,194.92295 1,639.89781 3,548.91869 7,481.82764 22
23 838.32103 994.66463 1,178.67723 1,648.99367 2,295.85693 5,145.93210 11,222.74146 23
24 1,123.35018 1,342.79725 1,603.00103 2,275.61126 3,214.19970 7,461.60154 16,834.11220 24
25 1,505.28925 1,812.77629 2,180.08140 3,140.34354 4,499.87958 10,819.32224 25,251.16829 25
30 6,503.45218 8,128.54950 10,143.01928 15,717.10636 24,201.43236 69,348.97829 191,751.05923 30
35 28,097.51701 36,448.68776 47,191.28389 78,662.55059 130,161.11155 444,508.50835 1,456,109.60605 35
40 121,392.52210 163,437.13468 219,561.57365 393,698.22435 700,037.69659 2,849,181.32701 11,057,332.32094 40
45 524,464.29405 732,857.57684 1,021,529.41494 1,970,420.36778 3,764,970.74131 18,262,494.60198 83,966,617.31214 45
50 2,265,895.71558 3,286,157.87946 4,752,754.90267 9,861,757.52292 20,248,916.23976 117,057,733.71655 637,621,500.21405 50
TABEL II
Present value interest factor of Rp1 at 1% for n periods (PVIFi,n)
(PVIF i,n )=1/(1+i )n
Period INTEREST RATE (i) Period
(n) 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% (n)
1 0.99010 0.98039 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 0.88496 0.87719 0.86957 1
2 0.98030 0.96117 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645 0.81162 0.79719 0.78315 0.76947 0.75614 2
3 0.97059 0.94232 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.69305 0.67497 0.65752 3
4 0.96098 0.92385 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.61332 0.59208 0.57175 4
5 0.95147 0.90573 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.54276 0.51937 0.49718 5
6 0.94205 0.88797 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.48032 0.45559 0.43233 6
7 0.93272 0.87056 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 0.42506 0.39964 0.37594 7
8 0.92348 0.85349 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.37616 0.35056 0.32690 8
9 0.91434 0.83676 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 0.33288 0.30751 0.28426 9
10 0.90529 0.82035 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 0.29459 0.26974 0.24718 10
11 0.89632 0.80426 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 0.26070 0.23662 0.21494 11
12 0.88745 0.78849 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 0.23071 0.20756 0.18691 12
13 0.87866 0.77303 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 0.20416 0.18207 0.16253 13
14 0.86996 0.75788 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 0.18068 0.15971 0.14133 14
15 0.86135 0.74301 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 0.15989 0.14010 0.12289 15
16 0.85282 0.72845 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 0.14150 0.12289 0.10686 16
17 0.84438 0.71416 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 0.12522 0.10780 0.09293 17
18 0.83602 0.70016 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 0.11081 0.09456 0.08081 18
19 0.82774 0.68643 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 0.09806 0.08295 0.07027 19
20 0.81954 0.67297 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 0.08678 0.07276 0.06110 20
21 0.81143 0.65978 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.07680 0.06383 0.05313 21
22 0.80340 0.64684 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018 0.12285 0.10067 0.08264 0.06796 0.05599 0.04620 22
23 0.79544 0.63416 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778 0.11168 0.09069 0.07379 0.06014 0.04911 0.04017 23
24 0.78757 0.62172 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640 0.10153 0.08170 0.06588 0.05323 0.04308 0.03493 24
25 0.77977 0.60953 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230 0.07361 0.05882 0.04710 0.03779 0.03038 25
30 0.74192 0.55207 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 0.02557 0.01963 0.01510 30
35 0.70591 0.50003 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558 0.02592 0.01894 0.01388 0.01019 0.00751 35
40 0.67165 0.45289 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209 0.01538 0.01075 0.00753 0.00529 0.00373 40
45 0.63905 0.41020 0.26444 0.17120 0.11130 0.07265 0.04761 0.03133 0.02069 0.01372 0.00913 0.00610 0.00409 0.00275 0.00186 45
50 0.60804 0.37153 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345 0.00852 0.00542 0.00346 0.00222 0.00143 0.00092 50
TABEL II (lanjutan)
Present value interest factor of Rp1 at 1% for n periods (PVIFi,n)
(PVIF i,n )=1/(1+i )n
Period INTEREST RATE (i) Period
(n) 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 26% 27% 28% 29% 30% (n)
1 0.86207 0.85470 0.84746 0.84034 0.83333 0.82645 0.81967 0.81301 0.80645 0.80000 0.79365 0.78740 0.78125 0.77519 0.76923 1
2 0.74316 0.73051 0.71818 0.70616 0.69444 0.68301 0.67186 0.66098 0.65036 0.64000 0.62988 0.62000 0.61035 0.60093 0.59172 2
3 0.64066 0.62437 0.60863 0.59342 0.57870 0.56447 0.55071 0.53738 0.52449 0.51200 0.49991 0.48819 0.47684 0.46583 0.45517 3
4 0.55229 0.53365 0.51579 0.49867 0.48225 0.46651 0.45140 0.43690 0.42297 0.40960 0.39675 0.38440 0.37253 0.36111 0.35013 4
5 0.47611 0.45611 0.43711 0.41905 0.40188 0.38554 0.37000 0.35520 0.34111 0.32768 0.31488 0.30268 0.29104 0.27993 0.26933 5
6 0.41044 0.38984 0.37043 0.35214 0.33490 0.31863 0.30328 0.28878 0.27509 0.26214 0.24991 0.23833 0.22737 0.21700 0.20718 6
7 0.35383 0.33320 0.31393 0.29592 0.27908 0.26333 0.24859 0.23478 0.22184 0.20972 0.19834 0.18766 0.17764 0.16822 0.15937 7
8 0.30503 0.28478 0.26604 0.24867 0.23257 0.21763 0.20376 0.19088 0.17891 0.16777 0.15741 0.14776 0.13878 0.13040 0.12259 8
9 0.26295 0.24340 0.22546 0.20897 0.19381 0.17986 0.16702 0.15519 0.14428 0.13422 0.12493 0.11635 0.10842 0.10109 0.09430 9
10 0.22668 0.20804 0.19106 0.17560 0.16151 0.14864 0.13690 0.12617 0.11635 0.10737 0.09915 0.09161 0.08470 0.07836 0.07254 10
11 0.19542 0.17781 0.16192 0.14757 0.13459 0.12285 0.11221 0.10258 0.09383 0.08590 0.07869 0.07214 0.06617 0.06075 0.05580 11
12 0.16846 0.15197 0.13722 0.12400 0.11216 0.10153 0.09198 0.08339 0.07567 0.06872 0.06245 0.05680 0.05170 0.04709 0.04292 12
13 0.14523 0.12989 0.11629 0.10421 0.09346 0.08391 0.07539 0.06780 0.06103 0.05498 0.04957 0.04473 0.04039 0.03650 0.03302 13
14 0.12520 0.11102 0.09855 0.08757 0.07789 0.06934 0.06180 0.05512 0.04921 0.04398 0.03934 0.03522 0.03155 0.02830 0.02540 14
15 0.10793 0.09489 0.08352 0.07359 0.06491 0.05731 0.05065 0.04481 0.03969 0.03518 0.03122 0.02773 0.02465 0.02194 0.01954 15
16 0.09304 0.08110 0.07078 0.06184 0.05409 0.04736 0.04152 0.03643 0.03201 0.02815 0.02478 0.02183 0.01926 0.01700 0.01503 16
17 0.08021 0.06932 0.05998 0.05196 0.04507 0.03914 0.03403 0.02962 0.02581 0.02252 0.01967 0.01719 0.01505 0.01318 0.01156 17
18 0.06914 0.05925 0.05083 0.04367 0.03756 0.03235 0.02789 0.02408 0.02082 0.01801 0.01561 0.01354 0.01175 0.01022 0.00889 18
19 0.05961 0.05064 0.04308 0.03670 0.03130 0.02673 0.02286 0.01958 0.01679 0.01441 0.01239 0.01066 0.00918 0.00792 0.00684 19
20 0.05139 0.04328 0.03651 0.03084 0.02608 0.02209 0.01874 0.01592 0.01354 0.01153 0.00983 0.00839 0.00717 0.00614 0.00526 20
21 0.04430 0.03699 0.03094 0.02591 0.02174 0.01826 0.01536 0.01294 0.01092 0.00922 0.00780 0.00661 0.00561 0.00476 0.00405 21
22 0.03819 0.03162 0.02622 0.02178 0.01811 0.01509 0.01259 0.01052 0.00880 0.00738 0.00619 0.00520 0.00438 0.00369 0.00311 22
23 0.03292 0.02702 0.02222 0.01830 0.01509 0.01247 0.01032 0.00855 0.00710 0.00590 0.00491 0.00410 0.00342 0.00286 0.00239 23
24 0.02838 0.02310 0.01883 0.01538 0.01258 0.01031 0.00846 0.00695 0.00573 0.00472 0.00390 0.00323 0.00267 0.00222 0.00184 24
25 0.02447 0.01974 0.01596 0.01292 0.01048 0.00852 0.00693 0.00565 0.00462 0.00378 0.00310 0.00254 0.00209 0.00172 0.00142 25
30 0.01165 0.00900 0.00697 0.00541 0.00421 0.00328 0.00257 0.00201 0.00158 0.00124 0.00097 0.00077 0.00061 0.00048 0.00038 30
35 0.00555 0.00411 0.00305 0.00227 0.00169 0.00127 0.00095 0.00071 0.00054 0.00041 0.00031 0.00023 0.00018 0.00013 0.00010 35
40 0.00264 0.00187 0.00133 0.00095 0.00068 0.00049 0.00035 0.00025 0.00018 0.00013 0.00010 0.00007 0.00005 0.00004 0.00003 40
45 0.00126 0.00085 0.00058 0.00040 0.00027 0.00019 0.00013 0.00009 0.00006 0.00004 0.00003 0.00002 0.00001 0.00001 0.00001 45
50 0.00060 0.00039 0.00025 0.00017 0.00011 0.00007 0.00005 0.00003 0.00002 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 50
TABEL II (lanjutan)
Present value interest factor of Rp1 at 1% for n periods (PVIFi,n)
(PVIF i,n )=1/(1+i )n
Period INTEREST RATE (i) Period
(n) 31% 32% 33% 34% 35% 36% 37% 38% 39% 40% 42% 44% 46% 48% 50% (n)
1 0.76336 0.75758 0.75188 0.74627 0.74074 0.73529 0.72993 0.72464 0.71942 0.71429 0.70423 0.69444 0.68493 0.67568 0.66667 1
2 0.58272 0.57392 0.56532 0.55692 0.54870 0.54066 0.53279 0.52510 0.51757 0.51020 0.49593 0.48225 0.46913 0.45654 0.44444 2
3 0.44482 0.43479 0.42505 0.41561 0.40644 0.39754 0.38890 0.38051 0.37235 0.36443 0.34925 0.33490 0.32132 0.30847 0.29630 3
4 0.33956 0.32939 0.31959 0.31016 0.30107 0.29231 0.28387 0.27573 0.26788 0.26031 0.24595 0.23257 0.22008 0.20843 0.19753 4
5 0.25921 0.24953 0.24029 0.23146 0.22301 0.21493 0.20720 0.19980 0.19272 0.18593 0.17320 0.16151 0.15074 0.14083 0.13169 5
6 0.19787 0.18904 0.18067 0.17273 0.16520 0.15804 0.15124 0.14479 0.13865 0.13281 0.12197 0.11216 0.10325 0.09515 0.08779 6
7 0.15104 0.14321 0.13584 0.12890 0.12237 0.11621 0.11040 0.10492 0.09975 0.09486 0.08590 0.07789 0.07072 0.06429 0.05853 7
8 0.11530 0.10849 0.10214 0.09620 0.09064 0.08545 0.08058 0.07603 0.07176 0.06776 0.06049 0.05409 0.04844 0.04344 0.03902 8
9 0.08802 0.08219 0.07680 0.07179 0.06714 0.06283 0.05882 0.05509 0.05163 0.04840 0.04260 0.03756 0.03318 0.02935 0.02601 9
10 0.06719 0.06227 0.05774 0.05357 0.04974 0.04620 0.04293 0.03992 0.03714 0.03457 0.03000 0.02608 0.02272 0.01983 0.01734 10
11 0.05129 0.04717 0.04341 0.03998 0.03684 0.03397 0.03134 0.02893 0.02672 0.02469 0.02113 0.01811 0.01556 0.01340 0.01156 11
12 0.03915 0.03574 0.03264 0.02984 0.02729 0.02498 0.02287 0.02096 0.01922 0.01764 0.01488 0.01258 0.01066 0.00905 0.00771 12
13 0.02989 0.02707 0.02454 0.02227 0.02021 0.01837 0.01670 0.01519 0.01383 0.01260 0.01048 0.00874 0.00730 0.00612 0.00514 13
14 0.02281 0.02051 0.01845 0.01662 0.01497 0.01350 0.01219 0.01101 0.00995 0.00900 0.00738 0.00607 0.00500 0.00413 0.00343 14
15 0.01742 0.01554 0.01387 0.01240 0.01109 0.00993 0.00890 0.00798 0.00716 0.00643 0.00520 0.00421 0.00343 0.00279 0.00228 15
16 0.01329 0.01177 0.01043 0.00925 0.00822 0.00730 0.00649 0.00578 0.00515 0.00459 0.00366 0.00293 0.00235 0.00189 0.00152 16
17 0.01015 0.00892 0.00784 0.00691 0.00609 0.00537 0.00474 0.00419 0.00370 0.00328 0.00258 0.00203 0.00161 0.00128 0.00101 17
18 0.00775 0.00676 0.00590 0.00515 0.00451 0.00395 0.00346 0.00304 0.00267 0.00234 0.00181 0.00141 0.00110 0.00086 0.00068 18
19 0.00591 0.00512 0.00443 0.00385 0.00334 0.00290 0.00253 0.00220 0.00192 0.00167 0.00128 0.00098 0.00075 0.00058 0.00045 19
20 0.00451 0.00388 0.00333 0.00287 0.00247 0.00213 0.00184 0.00159 0.00138 0.00120 0.00090 0.00068 0.00052 0.00039 0.00030 20
21 0.00345 0.00294 0.00251 0.00214 0.00183 0.00157 0.00135 0.00115 0.00099 0.00085 0.00063 0.00047 0.00035 0.00027 0.00020 21
22 0.00263 0.00223 0.00188 0.00160 0.00136 0.00115 0.00098 0.00084 0.00071 0.00061 0.00045 0.00033 0.00024 0.00018 0.00013 22
23 0.00201 0.00169 0.00142 0.00119 0.00101 0.00085 0.00072 0.00061 0.00051 0.00044 0.00031 0.00023 0.00017 0.00012 0.00009 23
24 0.00153 0.00128 0.00107 0.00089 0.00074 0.00062 0.00052 0.00044 0.00037 0.00031 0.00022 0.00016 0.00011 0.00008 0.00006 24
25 0.00117 0.00097 0.00080 0.00066 0.00055 0.00046 0.00038 0.00032 0.00027 0.00022 0.00016 0.00011 0.00008 0.00006 0.00004 25
30 0.00030 0.00024 0.00019 0.00015 0.00012 0.00010 0.00008 0.00006 0.00005 0.00004 0.00003 0.00002 0.00001 0.00001 0.00001 30
35 0.00008 0.00006 0.00005 0.00004 0.00003 0.00002 0.00002 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 35
40 0.00002 0.00002 0.00001 0.00001 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 40
45 0.00001 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 45
50 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 50
TABEL III
Future value interest factor of an (ordinary) annuity of Rp1 per period at i% for n periods (FVIFAi,n)
1
(1+i)n−1
n-t
(FVIFA i,n )=∑ ( 1+i ) =
t =1 i
Period INTEREST RATE (i) Period
(n) 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% (n)
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2 2.01000 2.02000 2.03000 2.04000 2.05000 2.06000 2.07000 2.08000 2.09000 2.10000 2.11000 2.12000 2
3 3.03010 3.06040 3.09090 3.12160 3.15250 3.18360 3.21490 3.24640 3.27810 3.31000 3.34210 3.37440 3
4 4.06040 4.12161 4.18363 4.24646 4.31013 4.37462 4.43994 4.50611 4.57313 4.64100 4.70973 4.77933 4
5 5.10101 5.20404 5.30914 5.41632 5.52563 5.63709 5.75074 5.86660 5.98471 6.10510 6.22780 6.35285 5
6 6.15202 6.30812 6.46841 6.63298 6.80191 6.97532 7.15329 7.33593 7.52333 7.71561 7.91286 8.11519 6
7 7.21354 7.43428 7.66246 7.89829 8.14201 8.39384 8.65402 8.92280 9.20043 9.48717 9.78327 10.08901 7
8 8.28567 8.58297 8.89234 9.21423 9.54911 9.89747 10.25980 10.63663 11.02847 11.43589 11.85943 12.29969 8
9 9.36853 9.75463 10.15911 10.58280 11.02656 11.49132 11.97799 12.48756 13.02104 13.57948 14.16397 14.77566 9
10 10.46221 10.94972 11.46388 12.00611 12.57789 13.18079 13.81645 14.48656 15.19293 15.93742 16.72201 17.54874 10
11 11.56683 12.16872 12.80780 13.48635 14.20679 14.97164 15.78360 16.64549 17.56029 18.53117 19.56143 20.65458 11
12 12.68250 13.41209 14.19203 15.02581 15.91713 16.86994 17.88845 18.97713 20.14072 21.38428 22.71319 24.13313 12
13 13.80933 14.68033 15.61779 16.62684 17.71298 18.88214 20.14064 21.49530 22.95338 24.52271 26.21164 28.02911 13
14 14.94742 15.97394 17.08632 18.29191 19.59863 21.01507 22.55049 24.21492 26.01919 27.97498 30.09492 32.39260 14
15 16.09690 17.29342 18.59891 20.02359 21.57856 23.27597 25.12902 27.15211 29.36092 31.77248 34.40536 37.27971 15
16 17.25786 18.63929 20.15688 21.82453 23.65749 25.67253 27.88805 30.32428 33.00340 35.94973 39.18995 42.75328 16
17 18.43044 20.01207 21.76159 23.69751 25.84037 28.21288 30.84022 33.75023 36.97370 40.54470 44.50084 48.88367 17
18 19.61475 21.41231 23.41444 25.64541 28.13238 30.90565 33.99903 37.45024 41.30134 45.59917 50.39594 55.74971 18
19 20.81090 22.84056 25.11687 27.67123 30.53900 33.75999 37.37896 41.44626 46.01846 51.15909 56.93949 63.43968 19
20 22.01900 24.29737 26.87037 29.77808 33.06595 36.78559 40.99549 45.76196 51.16012 57.27500 64.20283 72.05244 20
21 23.23919 25.78332 28.67649 31.96920 35.71925 39.99273 44.86518 50.42292 56.76453 64.00250 72.26514 81.69874 21
22 24.47159 27.29898 30.53678 34.24797 38.50521 43.39229 49.00574 55.45676 62.87334 71.40275 81.21431 92.50258 22
23 25.71630 28.84496 32.45288 36.61789 41.43048 46.99583 53.43614 60.89330 69.53194 79.54302 91.14788 104.60289 23
24 26.97346 30.42186 34.42647 39.08260 44.50200 50.81558 58.17667 66.76476 76.78981 88.49733 102.17415 118.15524 24
25 28.24320 32.03030 36.45926 41.64591 47.72710 54.86451 63.24904 73.10594 84.70090 98.34706 114.41331 133.33387 25
30 34.78489 40.56808 47.57542 56.08494 66.43885 79.05819 94.46079 113.28321 136.30754 164.49402 199.02088 241.33268 30
35 41.66028 49.99448 60.46208 73.65222 90.32031 111.43478 138.23688 172.31680 215.71075 271.02437 341.58955 431.66350 35
40 48.88637 60.40198 75.40126 95.02552 120.79977 154.76197 199.63511 259.05652 337.88245 442.59256 581.82607 767.09142 40
45 56.48107 71.89271 92.71986 121.02939 159.70016 212.74351 285.74931 386.50562 525.85873 718.90484 986.63856 1,358.23003 45
50 64.46318 84.57940 112.79687 152.66708 209.34800 290.33590 406.52893 573.77016 815.08356 1,163.90853 1,668.77115 2,400.01825 50
TABEL III (lanjutan)
Future value interest factor of an (ordinary) annuity of Rp1 per period at i% for n periods (FVIFAi,n)
1 (1  i)n  1
(FVIFA i,n )   (1  i)n - t 
t 1 i
Period INTEREST RATE (i) Period
(n) 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% (n)
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2 2.13000 2.14000 2.15000 2.16000 2.17000 2.18000 2.19000 2.20000 2.21000 2.22000 2
3 3.40690 3.43960 3.47250 3.50560 3.53890 3.57240 3.60610 3.64000 3.67410 3.70840 3
4 4.84980 4.92114 4.99338 5.06650 5.14051 5.21543 5.29126 5.36800 5.44566 5.52425 4
5 6.48027 6.61010 6.74238 6.87714 7.01440 7.15421 7.29660 7.44160 7.58925 7.73958 5
6 8.32271 8.53552 8.75374 8.97748 9.20685 9.44197 9.68295 9.92992 10.18299 10.44229 6
7 10.40466 10.73049 11.06680 11.41387 11.77201 12.14152 12.52271 12.91590 13.32142 13.73959 7
8 12.75726 13.23276 13.72682 14.24009 14.77325 15.32700 15.90203 16.49908 17.11892 17.76231 8
9 15.41571 16.08535 16.78584 17.51851 18.28471 19.08585 19.92341 20.79890 21.71389 22.67001 9
10 18.41975 19.33730 20.30372 21.32147 22.39311 23.52131 24.70886 25.95868 27.27381 28.65742 10
11 21.81432 23.04452 24.34928 25.73290 27.19994 28.75514 30.40355 32.15042 34.00131 35.96205 11
12 25.65018 27.27075 29.00167 30.85017 32.82393 34.93107 37.18022 39.58050 42.14158 44.87370 12
13 29.98470 32.08865 34.35192 36.78620 39.40399 42.21866 45.24446 48.49660 51.99132 55.74591 13
14 34.88271 37.58107 40.50471 43.67199 47.10267 50.81802 54.84091 59.19592 63.90949 69.01001 14
15 40.41746 43.84241 47.58041 51.65951 56.11013 60.96527 66.26068 72.03511 78.33049 85.19221 15
16 46.67173 50.98035 55.71747 60.92503 66.64885 72.93901 79.85021 87.44213 95.77989 104.93450 16
17 53.73906 59.11760 65.07509 71.67303 78.97915 87.06804 96.02175 105.93056 116.89367 129.02009 17
18 61.72514 68.39407 75.83636 84.14072 93.40561 103.74028 115.26588 128.11667 142.44134 158.40451 18
19 70.74941 78.96923 88.21181 98.60323 110.28456 123.41353 138.16640 154.74000 173.35402 194.25350 19
20 80.94683 91.02493 102.44358 115.37975 130.03294 146.62797 165.41802 186.68800 210.75836 237.98927 20
21 92.46992 104.76842 118.81012 134.84051 153.13854 174.02100 197.84744 225.02560 256.01762 291.34691 21
22 105.49101 120.43600 137.63164 157.41499 180.17209 206.34479 236.43846 271.03072 310.78131 356.44323 22
23 120.20484 138.29704 159.27638 183.60138 211.80134 244.48685 282.36176 326.23686 377.04539 435.86075 23
24 136.83147 158.65862 184.16784 213.97761 248.80757 289.49448 337.01050 392.48424 457.22492 532.75011 24
25 155.61956 181.87083 212.79302 249.21402 292.10486 342.60349 402.04249 471.98108 554.24216 650.95513 25
30 293.19922 356.78685 434.74515 530.31173 647.43912 790.94799 966.71217 1,181.88157 1,445.15066 1,767.08134 30
35 546.68082 693.57270 881.17016 1,120.71295 1,426.49102 1,816.65161 2,314.21372 2,948.34115 3,755.93789 4,783.64474 35
40 1,013.70424 1,342.02510 1,779.09031 2,360.75724 3,134.52184 4,163.21303 5,529.82898 7,343.85784 9,749.52483 12,936.53527 40
45 1,874.16463 2,590.56480 3,585.12846 4,965.27391 6,879.29065 9,531.57711 13,203.42423 18,281.30994 25,295.34577 34,971.41905 45
50 3,459.50712 4,994.52135 7,217.71628 10,435.64877 15,089.50167 21,813.09367 31,515.33633 45,497.19075 65,617.20162 94,525.27933 50
TABEL III (lanjutan)
Future value interest factor of an (ordinary) annuity of Rp1 per period at i% for n periods (FVIFAi,n)
1
(1+i)n −1
n-t
(FVIFA i,n )=∑ ( 1+i) =
t =1 i
Period INTEREST RATE (i) Period
(n) 23% 24% 25% 26% 27% 28% 29% 30% (n)
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2 2.23000 2.24000 2.25000 2.26000 2.27000 2.28000 2.29000 2.30000 2
3 3.74290 3.77760 3.81250 3.84760 3.88290 3.91840 3.95410 3.99000 3
4 5.60377 5.68422 5.76563 5.84798 5.93128 6.01555 6.10079 6.18700 4
5 7.89263 8.04844 8.20703 8.36845 8.53273 8.69991 8.87002 9.04310 5
6 10.70794 10.98006 11.25879 11.54425 11.83657 12.13588 12.44232 12.75603 6
7 14.17077 14.61528 15.07349 15.54575 16.03244 16.53393 17.05060 17.58284 7
8 18.43004 19.12294 19.84186 20.58765 21.36120 22.16343 22.99527 23.85769 8
9 23.66895 24.71245 25.80232 26.94043 28.12872 29.36919 30.66390 32.01500 9
10 30.11281 31.64344 33.25290 34.94495 36.72348 38.59256 40.55643 42.61950 10
11 38.03876 40.23787 42.56613 45.03063 47.63881 50.39847 53.31779 56.40535 11
12 47.78767 50.89495 54.20766 57.73860 61.50129 65.51005 69.77995 74.32695 12
13 59.77883 64.10974 68.75958 73.75063 79.10664 84.85286 91.01614 97.62504 13
14 74.52796 80.49608 86.94947 93.92580 101.46544 109.61166 118.41082 127.91255 14
15 92.66940 100.81514 109.68684 119.34651 129.86111 141.30293 153.74996 167.28631 15
16 114.98336 126.01077 138.10855 151.37660 165.92360 181.86774 199.33744 218.47220 16
17 142.42953 157.25336 173.63568 191.73451 211.72298 233.79071 258.14530 285.01386 17
18 176.18832 195.99416 218.04460 242.58548 269.88818 300.25211 334.00744 371.51802 18
19 217.71163 244.03276 273.55576 306.65771 343.75799 385.32271 431.86960 483.97343 19
20 268.78531 303.60062 342.94470 387.38872 437.57265 494.21306 558.11178 630.16546 20
21 331.60593 377.46477 429.68087 489.10978 556.71726 633.59272 720.96420 820.21510 21
22 408.87530 469.05632 538.10109 617.27832 708.03093 811.99868 931.04381 1,067.27963 22
23 503.91662 582.62984 673.62636 778.77069 900.19928 1,040.35831 1,202.04652 1,388.46351 23
24 620.81744 723.46100 843.03295 982.25107 1,144.25308 1,332.65864 1,551.64001 1,806.00257 24
25 764.60545 898.09164 1,054.79118 1,238.63634 1,454.20141 1,706.80306 2,002.61561 2,348.80334 25
30 2,160.49070 2,640.91639 3,227.17427 3,942.02596 4,812.97707 5,873.23056 7,162.82410 8,729.98548 30
35 6,090.33437 7,750.22511 9,856.76132 12,527.44242 15,909.82417 20,188.96645 25,596.66356 32,422.86808 35
40 17,154.04560 22,728.80260 30,088.65538 39,792.98172 52,571.99756 69,377.46044 91,447.96346 120,392.88269 40
45 48,301.77472 66,640.37577 91,831.49616 126,382.79794 173,697.84031 238,387.83883 326,688.90221 447,019.38904 45
50 135,992.15356 195,372.64423 280,255.69286 401,374.47112 573,877.87406 819,103.07714 1,167,041.32268 1,659,760.74326 50
TABEL III (lanjutan)
Future value interest factor of an (ordinary) annuity of Rp1 per period at i% for n periods (FVIFAi,n)
1
n-t (1+i)n −1
(FVIFA i,n )=∑ ( 1+i ) =
t =1 i
Period INTEREST RATE (i) Period
(n) 31% 32% 33% 34% 35% 36% 37% (n)
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2 2.31000 2.32000 2.33000 2.34000 2.35000 2.36000 2.37000 2
3 4.02610 4.06240 4.09890 4.13560 4.17250 4.20960 4.24690 3
4 6.27419 6.36237 6.45154 6.54170 6.63288 6.72506 6.81825 4
5 9.21919 9.39833 9.58054 9.76588 9.95438 10.14608 10.34101 5
6 13.07714 13.40579 13.74212 14.08628 14.43841 14.79866 15.16718 6
7 18.13105 18.69564 19.27702 19.87562 20.49186 21.12618 21.77904 7
8 24.75168 25.67825 26.63844 27.63333 28.66401 29.73161 30.83728 8
9 33.42470 34.89529 36.42913 38.02866 39.69641 41.43499 43.24707 9
10 44.78636 47.06178 49.45074 51.95841 54.59016 57.35158 60.24849 10
11 59.67013 63.12155 66.76949 70.62427 74.69672 78.99815 83.54043 11
12 79.16786 84.32045 89.80342 95.63652 101.84057 108.43749 115.45039 12
13 104.70990 112.30299 120.43854 129.15294 138.48476 148.47498 159.16703 13
14 138.16997 149.23994 161.18326 174.06493 187.95443 202.92598 219.05883 14
15 182.00266 197.99673 215.37374 234.24701 254.73848 276.97933 301.11060 15
16 239.42349 262.35568 287.44707 314.89100 344.89695 377.69188 413.52152 16
17 314.64477 347.30950 383.30461 422.95393 466.61088 514.66096 567.52448 17
18 413.18465 459.44854 510.79513 567.75827 630.92469 700.93891 778.50854 18
19 542.27189 607.47207 680.35752 761.79609 852.74834 954.27692 1,067.55670 19
20 711.37618 802.86313 905.87551 1,021.80675 1,152.21025 1,298.81661 1,463.55268 20
21 932.90280 1,060.77933 1,205.81442 1,370.22105 1,556.48384 1,767.39059 2,006.06717 21
22 1,223.10266 1,401.22872 1,604.73318 1,837.09621 2,102.25319 2,404.65120 2,749.31202 22
23 1,603.26449 1,850.62191 2,135.29513 2,462.70892 2,839.04180 3,271.32563 3,767.55747 23
24 2,101.27648 2,443.82092 2,840.94253 3,301.02995 3,833.70643 4,450.00286 5,162.55374 24
25 2,753.67219 3,226.84361 3,779.45356 4,424.38014 5,176.50369 6,053.00388 7,073.69862 25
30 10,632.74596 12,940.85871 15,738.07735 19,124.85934 23,221.57000 28,172.27578 34,149.23036 30
35 41,029.81047 51,869.42690 65,504.84203 82,636.81473 104,136.25075 131,084.12192 164,820.41563 35
40 158,300.13401 207,874.27194 272,613.19414 357,033.88853 466,960.38480 609,890.48236 795,462.08939 40
45 610,723.05738 833,058.11022 1,134,511.08505 1,542,539.10014 2,093,875.93382 2,837,578.93040 3,839,047.55844 45
50 2,356,147.60638 3,338,459.98752 4,721,367.75591 6,664,396.22228 9,389,019.65559 13,202,094.17409 18,527,915.88527 50
TABEL III (lanjutan)
Future value interest factor of an (ordinary) annuity of Rp1 per period at i% for n periods (FVIFAi,n)
1
(1+i)n −1
n-t
(FVIFA i,n )=∑ ( 1+i) =
t =1 i
Period INTEREST RATE (i) Period
(n) 38% 39% 40% 42% 45% 50% (n)
1 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1
2 2.38000 2.39000 2.40000 2.42000 2.45000 2.50000 2
3 4.28440 4.32210 4.36000 4.43640 4.55250 4.75000 3
4 6.91247 7.00772 7.10400 7.29969 7.60113 8.12500 4
5 10.53921 10.74073 10.94560 11.36556 12.02163 13.18750 5
6 15.54411 15.92961 16.32384 17.13909 18.43137 20.78125 6
7 22.45087 23.14216 23.85338 25.33751 27.72548 32.17188 7
8 31.98221 33.16761 34.39473 36.97926 41.20195 49.25781 8
9 45.13544 47.10297 49.15262 53.51055 60.74282 74.88672 9
10 63.28691 66.47313 69.81366 76.98499 89.07709 113.33008 10
11 88.33594 93.39766 98.73913 110.31868 130.16178 170.99512 11
12 122.90360 130.82274 139.23478 157.65253 189.73458 257.49268 12
13 170.60697 182.84361 195.92869 224.86659 276.11515 387.23901 13
14 236.43761 255.15262 275.30017 320.31055 401.36696 581.85852 14
15 327.28391 355.66214 386.42024 455.84098 582.98209 873.78778 15
16 452.65179 495.37037 541.98833 648.29420 846.32403 1,311.68167 16
17 625.65947 689.56482 759.78367 921.57776 1,228.16985 1,968.52251 17
18 864.41007 959.49510 1,064.69714 1,309.64042 1,781.84628 2,953.78376 18
19 1,193.88589 1,334.69819 1,491.57599 1,860.68939 2,584.67711 4,431.67564 19
20 1,648.56253 1,856.23048 2,089.20639 2,643.17894 3,748.78181 6,648.51346 20
21 2,276.01630 2,581.16037 2,925.88894 3,754.31409 5,436.73362 9,973.77019 21
22 3,141.90249 3,588.81291 4,097.24452 5,332.12601 7,884.26375 14,961.65529 22
23 4,336.82543 4,989.44995 5,737.14232 7,572.61893 11,433.18244 22,443.48293 23
24 5,985.81910 6,936.33542 8,032.99925 10,754.11888 16,579.11454 33,666.22439 24
25 8,261.43036 9,642.50624 11,247.19895 15,271.84881 24,040.71609 50,500.33659 25
30 41,358.17462 50,044.59161 60,501.08089 88,183.90273 154,106.61842 383,500.11847 30
35 207,004.08049 259,686.34492 325,400.27888 509,144.11945 987,794.46299 2,912,217.21210 35
40 1,036,045.32724 1,347,493.18292 1,750,091.74148 2,939,572.21100 6,331,511.83780 22,114,662.64188 40
45 5,185,314.12573 6,991,997.19088 9,412,424.35328 16,971,731.24548 40,583,319.11552 167,933,232.62428 45
50 25,951,990.84980 36,280,676.37809 50,622,288.09941 97,986,877.44676 260,128,294.92567 1,275,242,998.42810 50
TABEL IV
Present value interest factor of an (ordinary) annuity of Rp1 per period at 1% for n periods (PVIFAi,n)
1
1- [ 1/(1+i)n ]
t
(PVIFA i,n )=∑ 1/( 1+i ) =
t =1 i
Period INTEREST RATE (i) Period
(n) 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 14% (n)
1 0.99010 0.98039 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 0.88496 0.87719 1
2 1.97040 1.94156 1.91347 1.88609 1.85941 1.83339 1.80802 1.78326 1.75911 1.73554 1.71252 1.69005 1.66810 1.64666 2
3 2.94099 2.88388 2.82861 2.77509 2.72325 2.67301 2.62432 2.57710 2.53129 2.48685 2.44371 2.40183 2.36115 2.32163 3
4 3.90197 3.80773 3.71710 3.62990 3.54595 3.46511 3.38721 3.31213 3.23972 3.16987 3.10245 3.03735 2.97447 2.91371 4
5 4.85343 4.71346 4.57971 4.45182 4.32948 4.21236 4.10020 3.99271 3.88965 3.79079 3.69590 3.60478 3.51723 3.43308 5
6 5.79548 5.60143 5.41719 5.24214 5.07569 4.91732 4.76654 4.62288 4.48592 4.35526 4.23054 4.11141 3.99755 3.88867 6
7 6.72819 6.47199 6.23028 6.00205 5.78637 5.58238 5.38929 5.20637 5.03295 4.86842 4.71220 4.56376 4.42261 4.28830 7
8 7.65168 7.32548 7.01969 6.73274 6.46321 6.20979 5.97130 5.74664 5.53482 5.33493 5.14612 4.96764 4.79877 4.63886 8
9 8.56602 8.16224 7.78611 7.43533 7.10782 6.80169 6.51523 6.24689 5.99525 5.75902 5.53705 5.32825 5.13166 4.94637 9
10 9.47130 8.98259 8.53020 8.11090 7.72173 7.36009 7.02358 6.71008 6.41766 6.14457 5.88923 5.65022 5.42624 5.21612 10
11 10.36763 9.78685 9.25262 8.76048 8.30641 7.88687 7.49867 7.13896 6.80519 6.49506 6.20652 5.93770 5.68694 5.45273 11
12 11.25508 10.57534 9.95400 9.38507 8.86325 8.38384 7.94269 7.53608 7.16073 6.81369 6.49236 6.19437 5.91765 5.66029 12
13 12.13374 11.34837 10.63496 9.98565 9.39357 8.85268 8.35765 7.90378 7.48690 7.10336 6.74987 6.42355 6.12181 5.84236 13
14 13.00370 12.10625 11.29607 10.56312 9.89864 9.29498 8.74547 8.24424 7.78615 7.36669 6.98187 6.62817 6.30249 6.00207 14
15 13.86505 12.84926 11.93794 11.11839 10.37966 9.71225 9.10791 8.55948 8.06069 7.60608 7.19087 6.81086 6.46238 6.14217 15
16 14.71787 13.57771 12.56110 11.65230 10.83777 10.10590 9.44665 8.85137 8.31256 7.82371 7.37916 6.97399 6.60388 6.26506 16
17 15.56225 14.29187 13.16612 12.16567 11.27407 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 6.72909 6.37286 17
18 16.39827 14.99203 13.75351 12.65930 11.68959 10.82760 10.05909 9.37189 8.75563 8.20141 7.70162 7.24967 6.83991 6.46742 18
19 17.22601 15.67846 14.32380 13.13394 12.08532 11.15812 10.33560 9.60360 8.95011 8.36492 7.83929 7.36578 6.93797 6.55037 19
20 18.04555 16.35143 14.87747 13.59033 12.46221 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 7.02475 6.62313 20
21 18.85698 17.01121 15.41502 14.02916 12.82115 11.76408 10.83553 10.01680 9.29224 8.64869 8.07507 7.56200 7.10155 6.68696 21
22 19.66038 17.65805 15.93692 14.45112 13.16300 12.04158 11.06124 10.20074 9.44243 8.77154 8.17574 7.64465 7.16951 6.74294 22
23 20.45582 18.29220 16.44361 14.85684 13.48857 12.30338 11.27219 10.37106 9.58021 8.88322 8.26643 7.71843 7.22966 6.79206 23
24 21.24339 18.91393 16.93554 15.24696 13.79864 12.55036 11.46933 10.52876 9.70661 8.98474 8.34814 7.78432 7.28288 6.83514 24
25 22.02316 19.52346 17.41315 15.62208 14.09394 12.78336 11.65358 10.67478 9.82258 9.07704 8.42174 7.84314 7.32998 6.87293 25
30 25.80771 22.39646 19.60044 17.29203 15.37245 13.76483 12.40904 11.25778 10.27365 9.42691 8.69379 8.05518 7.49565 7.00266 30
35 29.40858 24.99862 21.48722 18.66461 16.37419 14.49825 12.94767 11.65457 10.56682 9.64416 8.85524 8.17550 7.58557 7.07005 35
40 32.83469 27.35548 23.11477 19.79277 17.15909 15.04630 13.33171 11.92461 10.75736 9.77905 8.95105 8.24378 7.63438 7.10504 40
45 36.09451 29.49016 24.51871 20.72004 17.77407 15.45583 13.60552 12.10840 10.88120 9.86281 9.00791 8.28252 7.66086 7.12322 45
50 39.19612 31.42361 25.72976 21.48218 18.25593 15.76186 13.80075 12.23348 10.96168 9.91481 9.04165 8.30450 7.67524 7.13266 50
TABEL IV (lanjutan)
Present value interest factor of an (ordinary) annuity of Rp1 per period at 1% for n periods (PVIFAi,n)
1
1-[ 1/(1+i)n ]
t
(PVIFA i,n )=∑ 1/( 1+i ) =
t =1 i
Period INTEREST RATE (i) Period
(n) 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 26% 27% 28% (n)
1 0.86957 0.86207 0.85470 0.84746 0.84034 0.83333 0.82645 0.81967 0.81301 0.80645 0.80000 0.79365 0.78740 0.78125 1
2 1.62571 1.60523 1.58521 1.56564 1.54650 1.52778 1.50946 1.49153 1.47399 1.45682 1.44000 1.42353 1.40740 1.39160 2
3 2.28323 2.24589 2.20958 2.17427 2.13992 2.10648 2.07393 2.04224 2.01137 1.98130 1.95200 1.92344 1.89559 1.86844 3
4 2.85498 2.79818 2.74324 2.69006 2.63859 2.58873 2.54044 2.49364 2.44827 2.40428 2.36160 2.32019 2.27999 2.24097 4
5 3.35216 3.27429 3.19935 3.12717 3.05763 2.99061 2.92598 2.86364 2.80347 2.74538 2.68928 2.63507 2.58267 2.53201 5
6 3.78448 3.68474 3.58918 3.49760 3.40978 3.32551 3.24462 3.16692 3.09225 3.02047 2.95142 2.88498 2.82100 2.75938 6
7 4.16042 4.03857 3.92238 3.81153 3.70570 3.60459 3.50795 3.41551 3.32704 3.24232 3.16114 3.08331 3.00866 2.93702 7
8 4.48732 4.34359 4.20716 4.07757 3.95437 3.83716 3.72558 3.61927 3.51792 3.42122 3.32891 3.24073 3.15643 3.07579 8
9 4.77158 4.60654 4.45057 4.30302 4.16333 4.03097 3.90543 3.78628 3.67310 3.56550 3.46313 3.36566 3.27278 3.18421 9
10 5.01877 4.83323 4.65860 4.49409 4.33893 4.19247 4.05408 3.92318 3.79927 3.68186 3.57050 3.46481 3.36439 3.26892 10
11 5.23371 5.02864 4.83641 4.65601 4.48650 4.32706 4.17692 4.03540 3.90185 3.77569 3.65640 3.54350 3.43653 3.33509 11
12 5.42062 5.19711 4.98839 4.79322 4.61050 4.43922 4.27845 4.12737 3.98524 3.85136 3.72512 3.60595 3.49333 3.38679 12
13 5.58315 5.34233 5.11828 4.90951 4.71471 4.53268 4.36235 4.20277 4.05304 3.91239 3.78010 3.65552 3.53806 3.42718 13
14 5.72448 5.46753 5.22930 5.00806 4.80228 4.61057 4.43170 4.26456 4.10816 3.96160 3.82408 3.69485 3.57327 3.45873 14
15 5.84737 5.57546 5.32419 5.09158 4.87586 4.67547 4.48901 4.31522 4.15298 4.00129 3.85926 3.72607 3.60100 3.48339 15
16 5.95423 5.66850 5.40529 5.16235 4.93770 4.72956 4.53637 4.35673 4.18941 4.03330 3.88741 3.75085 3.62284 3.50265 16
17 6.04716 5.74870 5.47461 5.22233 4.98966 4.77463 4.57551 4.39077 4.21904 4.05911 3.90993 3.77052 3.64003 3.51769 17
18 6.12797 5.81785 5.53385 5.27316 5.03333 4.81219 4.60786 4.41866 4.24312 4.07993 3.92794 3.78613 3.65357 3.52945 18
19 6.19823 5.87746 5.58449 5.31624 5.07003 4.84350 4.63460 4.44152 4.26270 4.09672 3.94235 3.79851 3.66422 3.53863 19
20 6.25933 5.92884 5.62777 5.35275 5.10086 4.86958 4.65669 4.46027 4.27862 4.11026 3.95388 3.80834 3.67262 3.54580 20
21 6.31246 5.97314 5.66476 5.38368 5.12677 4.89132 4.67495 4.47563 4.29156 4.12117 3.96311 3.81615 3.67923 3.55141 21
22 6.35866 6.01133 5.69637 5.40990 5.14855 4.90943 4.69004 4.48822 4.30208 4.12998 3.97049 3.82234 3.68443 3.55579 22
23 6.39884 6.04425 5.72340 5.43212 5.16685 4.92453 4.70251 4.49854 4.31063 4.13708 3.97639 3.82725 3.68853 3.55921 23
24 6.43377 6.07263 5.74649 5.45095 5.18223 4.93710 4.71282 4.50700 4.31759 4.14281 3.98111 3.83115 3.69175 3.56188 24
25 6.46415 6.09709 5.76623 5.46691 5.19515 4.94759 4.72134 4.51393 4.32324 4.14742 3.98489 3.83425 3.69429 3.56397 25
30 6.56598 6.17720 5.82939 5.51681 5.23466 4.97894 4.74627 4.53379 4.33909 4.16010 3.99505 3.84240 3.70086 3.56926 30
35 6.61661 6.21534 5.85820 5.53862 5.25122 4.99154 4.75588 4.54114 4.34472 4.16443 3.99838 3.84497 3.70284 3.57080 35
40 6.64178 6.23350 5.87133 5.54815 5.25815 4.99660 4.75958 4.54386 4.34672 4.16590 3.99947 3.84578 3.70344 3.57124 40
45 6.65429 6.24214 5.87733 5.55232 5.26106 4.99863 4.76101 4.54486 4.34743 4.16641 3.99983 3.84604 3.70362 3.57138 45
50 6.66051 6.24626 5.88006 5.55414 5.26228 4.99945 4.76156 4.54524 4.34769 4.16658 3.99994 3.84612 3.70368 3.57141 50
TABEL IV (lanjutan)
Present value interest factor of an (ordinary) annuity of Rp1 per period at 1% for n periods (PVIFAi,n)
1
1-[ 1/(1+i)n ]
t
(PVIFA i,n )=∑ 1/( 1+i ) =
t =1 i
Period INTEREST RATE (i) Period
(n) 29% 30% 31% 32% 33% 34% 35% 36% 37% 38% 39% 40% 45% 50% (n)
1 0.77519 0.76923 0.76336 0.75758 0.75188 0.74627 0.74074 0.73529 0.72993 0.72464 0.71942 0.71429 0.68966 0.66667 1
2 1.37612 1.36095 1.34608 1.33150 1.31720 1.30319 1.28944 1.27595 1.26272 1.24974 1.23700 1.22449 1.16528 1.11111 2
3 1.84195 1.81611 1.79090 1.76629 1.74226 1.71880 1.69588 1.67349 1.65162 1.63024 1.60935 1.58892 1.49330 1.40741 3
4 2.20306 2.16624 2.13046 2.09567 2.06185 2.02895 1.99695 1.96580 1.93549 1.90597 1.87723 1.84923 1.71951 1.60494 4
5 2.48300 2.43557 2.38966 2.34521 2.30214 2.26041 2.21996 2.18074 2.14269 2.10578 2.06995 2.03516 1.87553 1.73663 5
6 2.70000 2.64275 2.58753 2.53425 2.48281 2.43314 2.38516 2.33878 2.29394 2.25056 2.20860 2.16797 1.98312 1.82442 6
7 2.86821 2.80211 2.73857 2.67746 2.61866 2.56205 2.50752 2.45498 2.40433 2.35548 2.30834 2.26284 2.05733 1.88294 7
8 2.99862 2.92470 2.85387 2.78595 2.72079 2.65824 2.59817 2.54043 2.48491 2.43151 2.38010 2.33060 2.10850 1.92196 8
9 3.09970 3.01900 2.94189 2.86815 2.79759 2.73003 2.66531 2.60326 2.54373 2.48660 2.43173 2.37900 2.14379 1.94798 9
10 3.17806 3.09154 3.00907 2.93041 2.85533 2.78361 2.71504 2.64945 2.58667 2.52652 2.46887 2.41357 2.16813 1.96532 10
11 3.23881 3.14734 3.06036 2.97759 2.89874 2.82359 2.75188 2.68342 2.61800 2.55545 2.49559 2.43826 2.18492 1.97688 11
12 3.28590 3.19026 3.09951 3.01332 2.93139 2.85342 2.77917 2.70840 2.64088 2.57641 2.51481 2.45590 2.19650 1.98459 12
13 3.32240 3.22328 3.12940 3.04040 2.95593 2.87569 2.79939 2.72676 2.65758 2.59160 2.52864 2.46850 2.20448 1.98972 13
14 3.35070 3.24867 3.15221 3.06091 2.97438 2.89231 2.81436 2.74027 2.66976 2.60261 2.53859 2.47750 2.20999 1.99315 14
15 3.37264 3.26821 3.16963 3.07644 2.98826 2.90471 2.82545 2.75020 2.67866 2.61059 2.54575 2.48393 2.21378 1.99543 15
16 3.38964 3.28324 3.18292 3.08822 2.99869 2.91396 2.83367 2.75750 2.68515 2.61637 2.55090 2.48852 2.21640 1.99696 16
17 3.40282 3.29480 3.19307 3.09713 3.00653 2.92087 2.83975 2.76287 2.68989 2.62056 2.55460 2.49180 2.21821 1.99797 17
18 3.41304 3.30369 3.20082 3.10389 3.01243 2.92602 2.84426 2.76681 2.69335 2.62359 2.55727 2.49414 2.21945 1.99865 18
19 3.42096 3.31053 3.20673 3.10901 3.01687 2.92986 2.84760 2.76972 2.69588 2.62579 2.55919 2.49582 2.22031 1.99910 19
20 3.42710 3.31579 3.21124 3.11288 3.02020 2.93273 2.85008 2.77185 2.69772 2.62738 2.56057 2.49701 2.22091 1.99940 20
21 3.43186 3.31984 3.21469 3.11582 3.02271 2.93488 2.85191 2.77342 2.69907 2.62854 2.56156 2.49787 2.22131 1.99960 21
22 3.43555 3.32296 3.21732 3.11805 3.02459 2.93648 2.85327 2.77457 2.70005 2.62938 2.56227 2.49848 2.22160 1.99973 22
23 3.43841 3.32535 3.21933 3.11973 3.02601 2.93767 2.85427 2.77542 2.70077 2.62998 2.56279 2.49891 2.22179 1.99982 23
24 3.44063 3.32719 3.22086 3.12101 3.02707 2.93856 2.85502 2.77604 2.70129 2.63042 2.56316 2.49922 2.22192 1.99988 24
25 3.44235 3.32861 3.22203 3.12198 3.02788 2.93922 2.85557 2.77650 2.70167 2.63074 2.56342 2.49944 2.22202 1.99992 25
30 3.44662 3.33206 3.22483 3.12425 3.02972 2.94072 2.85679 2.77750 2.70249 2.63141 2.56397 2.49990 2.22219 1.99999 30
35 3.44781 3.33299 3.22555 3.12481 3.03016 2.94107 2.85706 2.77772 2.70266 2.63155 2.56408 2.49998 2.22222 2.00000 35
40 3.44815 3.33324 3.22574 3.12495 3.03027 2.94115 2.85713 2.77777 2.70269 2.63157 2.56410 2.50000 2.22222 2.00000 40
45 3.44824 3.33331 3.22579 3.12499 3.03029 2.94117 2.85714 2.77778 2.70270 2.63158 2.56410 2.50000 2.22222 2.00000 45
50 3.44827 3.33333 3.22580 3.12500 3.03030 2.94118 2.85714 2.77778 2.70270 2.63158 2.56410 2.50000 2.22222 2.00000 50