Pekan 3-4_Sharia Short Term Financial Plan.xlsx

	A	B	C	D	E	F	J	K	L
1	CF 11 SHORT TERM FINANCIAL PLAN
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6			Q1	Q2	Q3	Q4
7		Total Income
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9		Liquid Assets/Investments	Rp28,258,750
10		Planned Investment Allocation	Rp2,416,667
11		Fixed Expenses	Rp2,035,000
12		Variable Expenses	Rp450,000
13		Infaq & Shadaqah	Rp135,000
14		Financial Goals	Rp1,475,000
15		Beginning Cash Balance	Rp11,350,000
16		Ending Cash Balance	Rp11,771,615
17		Surplus (Invest)	Rp421,615
18		Deficit (Sharia Financing)	-
19
20		Assumptions
21		1 Year	360	days
22		Number of Days in 1 Quarter	90	days
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24		Beginning Cash Balance
25		Cash	Rp350,000
26		Savings on wadiah 1 (Dana Darurat)	Rp10,250,000
27		Savings on wadiah 2	Rp750,000
28		Total Balance	Rp11,350,000
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30		1) Total Income	/month	/year
31		Research Assistant	Rp4,500,000.00	Rp54,000,000.00
32		Editor	Rp1,500,000.00	Rp18,000,000.00
33		Annual Bonus	Rp750,000.00	Rp9,000,000.00
34		Total income	Rp6,750,000.00	Rp81,000,000.00
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36		2) Financial Asset (Existed Investments)
37		Sukuk Ritel		Coupon	6%
38		Pembelian	Rp10,000,000.00	minimum 1 unit (1jt)
39		Return (per month)	Rp45,000	Period	6	bulan
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41		Reksadana Syariah (RDPU)		1Y Return	5.25%
42		Pembelian	Rp750,000	per month
43		Return (per month)	Rp3,281
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45		Total Liquid Investments	Rp28,258,750
46		Total return (per month)	Rp48,281
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48		3) Planned Investment Allocation (Monthly)
49		Asset allocation:
50		Sukuk Ritel (secondary market)	Rp833,333	per month
51		Reksadana Syariah (RDPU)	Rp750,000	per month
52		Saham Syariah	Rp833,333	per month
53		Total Planned Invest	Rp2,416,667	per month
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55		4) Fixed expenses
56		Basic living expenses	Rp1,000,000
57		Transportation	Rp300,000
58		Professional development	Rp250,000
59		Lifestyle spending	Rp200,000
60		Takaful contribution	Rp150,000	per month
61		Infak & sedekah	Rp135,000
62		Total FC	Rp2,035,000
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64		5) Variable Expenses
65		Hangout with friends	Rp300,000
66		Buying viral foods	Rp150,000
67		Total VC	Rp450,000
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69		6)Major Financial goals
70		Goal-based saving:					Emergency Fund	Rp2,035,000	per month
71		Hajj	Rp29,000,000	Rp750,000	/month *Calculation on Sheet Hajj			Rp12,210,000	EF 6x Expense
72		Target EF achieved	Rp1,960,000	Rp163,333	/month		Target EF	Rp1,960,000.00
73		Total (per month)		Rp913,333
74		Total (per month)		Rp915,000	(pembulatan)
75
76		Minor goals:
77		Buy Handphone (1,5 tahun)	Rp10,000,000	Rp555,556	/month
78				Rp560,000	(pembulatan)
79
80		7) Cash Inflow	Q1	Q2	Q3	Q4
81		Total Income	Rp6,750,000
82		Return Liquid Investments	Rp48,281
83		Total	Rp6,798,281
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85		8) Cash Outflow
86		Planned Investment Allocation	Rp2,416,667
87		Fixed Expenses	Rp2,035,000
88		Variable Expenses	Rp450,000
89		Major Financial Goals	Rp915,000
90		Minor Goals	Rp560,000
91		Total	Rp6,376,667
92		Net Cashflow	Rp421,615
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94		BUDGET ADJUSTMENT
95		Beginning Cash Balance	Rp11,350,000
96		Net Cashflow	Rp421,615	Surplus
97		Ending Balance	Rp11,771,615
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