{ "source": "CALCULATOR CASHBACK SERUB KANTOR CABANG 22092026.xlsx", "generatedAt": "2026-10-07T19:08:25", "cases": [ { "nominal": 100000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 0, "simpedaNet": 0, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0, "rateSimpeda": 0, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 638.05684931506846, "puabIncome": 37.30684931506849, "creditIncome": 600.75, "spreadSimanja": 436.40788657534245, "spreadSimpeda": 436.40788657534245, "spreadGiro": 436.40788657534245, "depositoGross": 0 }, { "nominal": 500000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 246.4, "simpedaNet": 164, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3190.2842465753424, "puabIncome": 186.53424657534245, "creditIncome": 3003.75, "spreadSimanja": 1874.0394328767122, "spreadSimpeda": 1977.0394328767122, "spreadGiro": 2182.0394328767125, "depositoGross": 0 }, { "nominal": 999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 492.8, "simpedaNet": 328, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 6380.5621125821917, "puabIncome": 373.0681200821918, "creditIncome": 6007.4939925, "spreadSimanja": 3748.0745016745586, "spreadSimpeda": 3954.0745016745586, "spreadGiro": 4364.0745016745586, "depositoGross": 0 }, { "nominal": 1000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 492.8, "simpedaNet": 328, "depositoNet": 1972, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1972, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 6380.5684931506848, "puabIncome": 373.0684931506849, "creditIncome": 6007.5, "spreadSimanja": 3748.0788657534245, "spreadSimpeda": 3954.0788657534245, "spreadGiro": 4364.0788657534249, "depositoGross": 2465 }, { "nominal": 10000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 4931.2, "simpedaNet": 3287.2, "depositoNet": 19725.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 19725.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 63805.684931506847, "puabIncome": 3730.6849315068489, "creditIncome": 60075, "spreadSimanja": 37476.788657534242, "spreadSimpeda": 39531.788657534242, "spreadGiro": 43640.788657534242, "depositoGross": 24657 }, { "nominal": 49999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 24656.8, "simpedaNet": 16437.6, "depositoNet": 98629.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 98629.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 319028.41827696573, "puabIncome": 18653.424284465753, "creditIncome": 300374.9939925, "spreadSimanja": 187382.93892359233, "spreadSimpeda": 197656.93892359233, "spreadGiro": 218203.93892359233, "depositoGross": 123287 }, { "nominal": 50000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 24656.8, "simpedaNet": 16437.6, "depositoNet": 98629.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 98629.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 319028.42465753423, "puabIncome": 18653.424657534244, "creditIncome": 300375, "spreadSimanja": 187382.94328767122, "spreadSimpeda": 197656.94328767119, "spreadGiro": 218203.94328767119, "depositoGross": 123287 }, { "nominal": 55000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 18081.6, "simanjaNet": 27123.2, "simpedaNet": 18081.6, "depositoNet": 108492.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 108492.8, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 350931.26712328766, "puabIncome": 20518.767123287667, "creditIncome": 330412.5, "spreadSimanja": 206120.33761643834, "spreadSimpeda": 217422.33761643834, "spreadGiro": 217422.33761643834, "depositoGross": 135616 }, { "nominal": 99999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 32876, "simanjaNet": 49314.4, "simpedaNet": 32876, "depositoNet": 197260, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 197260, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 638056.8429345, "puabIncome": 37306.848942, "creditIncome": 600749.9939925, "spreadSimanja": 374764.88221126358, "spreadSimpeda": 395312.88221126358, "spreadGiro": 395312.88221126358, "depositoGross": 246575 }, { "nominal": 100000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 32876, "simanjaNet": 49314.4, "simpedaNet": 32876, "depositoNet": 197260, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 197260, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.03, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 638056.84931506845, "puabIncome": 37306.849315068488, "creditIncome": 600750, "spreadSimanja": 374764.88657534245, "spreadSimpeda": 395312.88657534239, "spreadGiro": 395312.88657534239, "depositoGross": 246575 }, { "nominal": 100000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 32876, "simanjaNet": 65752.8, "simpedaNet": 49314.4, "depositoNet": 200547.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 200547.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0305, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 638056.855695637, "puabIncome": 37306.849688136979, "creditIncome": 600750.0060075, "spreadSimanja": 354216.89093942125, "spreadSimpeda": 374764.89093942125, "spreadGiro": 395312.89093942125, "depositoGross": 250684 }, { "nominal": 150000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 49314.4, "simanjaNet": 98629.6, "simpedaNet": 73972, "depositoNet": 300821.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 300821.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0305, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 957085.27397260279, "puabIncome": 55960.273972602736, "creditIncome": 901125, "spreadSimanja": 531324.8298630137, "spreadSimpeda": 562146.8298630137, "spreadGiro": 592968.8298630137, "depositoGross": 376027 }, { "nominal": 250000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 82191.2, "simanjaNet": 164383.2, "simpedaNet": 123287.2, "depositoNet": 501369.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 501369.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0305, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1595142.1232876712, "puabIncome": 93267.123287671231, "creditIncome": 1501875, "spreadSimanja": 885540.7164383562, "spreadSimpeda": 936910.7164383562, "spreadGiro": 988280.7164383562, "depositoGross": 626712 }, { "nominal": 250000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 82191.2, "simanjaNet": 164383.2, "simpedaNet": 123287.2, "depositoNet": 509588.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 509588.8, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1595142.1296682397, "puabIncome": 93267.12366073973, "creditIncome": 1501875.0060075, "spreadSimanja": 885540.720802435, "spreadSimpeda": 936910.720802435, "spreadGiro": 988280.720802435, "depositoGross": 636986 }, { "nominal": 300000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 98629.6, "simanjaNet": 197260, "simpedaNet": 147944.8, "depositoNet": 611506.4, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 611506.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1914170.5479452056, "puabIncome": 111920.54794520547, "creditIncome": 1802250, "spreadSimanja": 1062648.6597260274, "spreadSimpeda": 1124292.6597260274, "spreadGiro": 1185936.6597260274, "depositoGross": 764383 }, { "nominal": 499999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 164383.2, "simanjaNet": 328766.4, "simpedaNet": 246575.2, "depositoNet": 1019177.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1019177.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3190284.2401947738, "puabIncome": 186534.24620227396, "creditIncome": 3003749.9939925, "spreadSimanja": 1771081.4285126333, "spreadSimpeda": 1873820.4285126333, "spreadGiro": 1976560.4285126333, "depositoGross": 1273972 }, { "nominal": 500000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 164383.2, "simanjaNet": 328766.4, "simpedaNet": 246575.2, "depositoNet": 1019177.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1019177.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3190284.2465753425, "puabIncome": 186534.24657534246, "creditIncome": 3003750, "spreadSimanja": 1771081.4328767124, "spreadSimpeda": 1873820.4328767124, "spreadGiro": 1976560.4328767124, "depositoGross": 1273972 }, { "nominal": 500000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 164383.2, "simanjaNet": 657533.6, "simpedaNet": 493150.4, "depositoNet": 1068492.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1068492.8, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0325, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3190284.2529559107, "puabIncome": 186534.24694841093, "creditIncome": 3003750.0060075, "spreadSimanja": 1360122.437240791, "spreadSimpeda": 1565601.437240791, "spreadGiro": 1976560.437240791, "depositoGross": 1335616 }, { "nominal": 750000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 246575.2, "simanjaNet": 986300.8, "simpedaNet": 739725.6, "depositoNet": 1602739.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1602739.2, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0325, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 4785426.3698630137, "puabIncome": 279801.36986301368, "creditIncome": 4505625, "spreadSimanja": 2040183.1493150685, "spreadSimpeda": 2348402.1493150685, "spreadGiro": 2964840.1493150685, "depositoGross": 2003424 }, { "nominal": 999999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 328766.4, "simanjaNet": 1315068, "simpedaNet": 986300.8, "depositoNet": 2136985.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 2136985.6, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0325, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 6380568.4867701167, "puabIncome": 373068.49277761643, "creditIncome": 6007499.9939925, "spreadSimanja": 2720243.861389346, "spreadSimpeda": 3131202.861389346, "spreadGiro": 3953120.861389346, "depositoGross": 2671232 }, { "nominal": 1000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 328766.4, "simanjaNet": 1315068, "simpedaNet": 986300.8, "depositoNet": 2136985.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 2136985.6, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.0325, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 6380568.493150685, "puabIncome": 373068.49315068492, "creditIncome": 6007500, "spreadSimanja": 2720243.8657534248, "spreadSimpeda": 3131202.8657534248, "spreadGiro": 3953120.8657534248, "depositoGross": 2671232 }, { "nominal": 1000000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 328766.4, "simanjaNet": 1643835.2, "simpedaNet": 1315068, "depositoNet": 2235616, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 2235616, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 6380568.4995312532, "puabIncome": 373068.49352375336, "creditIncome": 6007500.0060075, "spreadSimanja": 2309284.8701175032, "spreadSimpeda": 2720243.8701175032, "spreadGiro": 3953120.8701175032, "depositoGross": 2794520 }, { "nominal": 1500000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 493150.4, "simanjaNet": 2465752.8, "simpedaNet": 1972602.4, "depositoNet": 3353424, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 3353424, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 9570852.7397260275, "puabIncome": 559602.73972602736, "creditIncome": 9011250, "spreadSimanja": 3463927.298630137, "spreadSimpeda": 4080365.298630137, "spreadGiro": 5929680.298630137, "depositoGross": 4191780 }, { "nominal": 1999999999, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 657533.6, "simanjaNet": 3287671.2, "simpedaNet": 2630136.8, "depositoNet": 4471232.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 4471232.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 12761136.9799208, "puabIncome": 746136.98592830135, "creditIncome": 12014999.9939925, "spreadSimanja": 4618568.72714277, "spreadSimpeda": 5440486.72714277, "spreadGiro": 7906240.72714277, "depositoGross": 5589041 }, { "nominal": 2000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 657533.6, "simanjaNet": 3287671.2, "simpedaNet": 2630136.8, "depositoNet": 4471232.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 4471232.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 12761136.98630137, "puabIncome": 746136.98630136985, "creditIncome": 12015000, "spreadSimanja": 4618568.73150685, "spreadSimpeda": 5440486.73150685, "spreadGiro": 7906240.73150685, "depositoGross": 5589041 }, { "nominal": 2000000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 657533.6, "simanjaNet": 3287671.2, "simpedaNet": 2630136.8, "depositoNet": 4471232.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 4471232.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 12761136.992681934, "puabIncome": 746136.98667443811, "creditIncome": 12015000.006007496, "spreadSimanja": 4618568.7378709232, "spreadSimpeda": 5440486.7378709232, "spreadGiro": 7906240.7378709232, "depositoGross": 5589041 }, { "nominal": 5000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 1643835.2, "simanjaNet": 8219177.6, "simpedaNet": 6575342.4, "depositoNet": 11178081.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 11178081.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 31902842.465753425, "puabIncome": 1865342.4657534244, "creditIncome": 30037500, "spreadSimanja": 17546422.328767121, "spreadSimpeda": 19601216.328767125, "spreadGiro": 25765600.328767125, "depositoGross": 13972602 }, { "nominal": 10000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 3287671.2, "simanjaNet": 16438356, "simpedaNet": 13150684.8, "depositoNet": 22356164, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 22356164, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 63805684.93150685, "puabIncome": 3730684.9315068489, "creditIncome": 60075000, "spreadSimanja": 39092843.657534242, "spreadSimpeda": 43202432.657534249, "spreadGiro": 55531199.657534249, "depositoGross": 27945205 }, { "nominal": 50000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 16438356, "simanjaNet": 82191780.8, "simpedaNet": 65753424, "depositoNet": 111780821.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 111780821.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 319028424.65753424, "puabIncome": 18653424.657534245, "creditIncome": 300375000, "spreadSimanja": 211464217.28767121, "spreadSimpeda": 232012163.28767121, "spreadGiro": 293655998.28767121, "depositoGross": 139726027 }, { "nominal": 50000000001, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 24657533.6, "simanjaNet": 82191780.8, "simpedaNet": 65753424, "depositoNet": 111780821.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 111780821.6, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 319028424.6639148, "puabIncome": 18653424.657907311, "creditIncome": 300375000.00600749, "spreadSimanja": 211464217.29403532, "spreadSimpeda": 232012163.29403532, "spreadGiro": 283382026.29403532, "depositoGross": 139726027 }, { "nominal": 100000000000, "tenor": 1, "cashbackGross": null, "cashbackNet": null, "giroNet": 49315068, "simanjaNet": 164383561.6, "simpedaNet": 131506848.8, "depositoNet": 223561643.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 223561643.2, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 638056849.31506848, "puabIncome": 37306849.315068491, "creditIncome": 600750000, "spreadSimanja": 426928434.57534242, "spreadSimpeda": 468024325.57534242, "spreadGiro": 570764051.57534242, "depositoGross": 279452054 }, { "nominal": 100000, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 0, "simpedaNet": 0, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0, "rateSimpeda": 0, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1914.1705479452055, "puabIncome": 111.92054794520547, "creditIncome": 1802.25, "spreadSimanja": 1709.2236597260273, "spreadSimpeda": 1709.2236597260273, "spreadGiro": 1709.2236597260273, "depositoGross": 0 }, { "nominal": 500000, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 739.2, "simpedaNet": 492.8, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 9570.8527397260277, "puabIncome": 559.60273972602738, "creditIncome": 9011.25, "spreadSimanja": 7622.1182986301374, "spreadSimpeda": 7930.1182986301374, "spreadGiro": 8546.1182986301374, "depositoGross": 0 }, { "nominal": 999999, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 1479.2, "simpedaNet": 985.6, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 19141.686337746574, "puabIncome": 1119.2043602465753, "creditIncome": 18022.4819775, "spreadSimanja": 15243.219505023675, "spreadSimpeda": 15860.219505023675, "spreadGiro": 17092.219505023677, "depositoGross": 0 }, { "nominal": 1000000, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 1479.2, "simpedaNet": 985.6, "depositoNet": 6114.4, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 6114.4, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 19141.705479452055, "puabIncome": 1119.2054794520548, "creditIncome": 18022.5, "spreadSimanja": 15243.236597260275, "spreadSimpeda": 15860.236597260275, "spreadGiro": 17092.236597260275, "depositoGross": 7643 }, { "nominal": 10000000, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 14794.4, "simpedaNet": 9862.4, "depositoNet": 61150.4, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 61150.4, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 191417.05479452055, "puabIncome": 11192.054794520547, "creditIncome": 180225, "spreadSimanja": 152429.36597260274, "spreadSimpeda": 158594.36597260274, "spreadGiro": 170922.36597260274, "depositoGross": 76438 }, { "nominal": 49999999, "tenor": 3, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 73972, "simpedaNet": 49314.4, "depositoNet": 305752.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 305752.8, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.031, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 957085.25483089732, "puabIncome": 55960.272853397255, "creditIncome": 901124.9819775, "spreadSimanja": 762146.81277077715, "spreadSimpeda": 792968.81277077715, "spreadGiro": 854611.81277077715, "depositoGross": 382191 }, { "nominal": 50000000, "tenor": 3, "cashbackGross": 401621.24826484016, "cashbackNet": 321296.99861187214, "giroNet": 0, "simanjaNet": 73972, "simpedaNet": 49314.4, "depositoNet": 305752.8, "totalGiro": 321296.99861187214, "totalSimanja": 395268.99861187214, "totalSimpeda": 370611.39861187217, "totalDeposito": 305752.8, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.026060756554074072, "totalRateGiro": 0.026060756554074072, "totalRateSimanja": 0.033560756554074075, "totalRateSimpeda": 0.031060756554074073, "rateDeposito": 0.031, "penaltyRefund": 321296.99861187214, "penaltyTax": 80324.249652968036, "penaltyFee": 80324.249652968036, "penaltyTotal": 481945.49791780818, "shareNasabah": 0.5, "shareBank": 0.5, "income": 957085.27397260279, "puabIncome": 55960.273972602736, "creditIncome": 901125, "spreadSimanja": 762146.8298630137, "spreadSimpeda": 792968.8298630137, "spreadGiro": 854611.8298630137, "depositoGross": 382191 }, { "nominal": 55000000, "tenor": 3, "cashbackGross": 430481.83975799097, "cashbackNet": 344385.47180639277, "giroNet": 54246.4, "simanjaNet": 81369.6, "simpedaNet": 54246.4, "depositoNet": 336328, "totalGiro": 398631.8718063928, "totalSimanja": 425755.07180639275, "totalSimpeda": 398631.8718063928, "totalDeposito": 336328, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.025394080244309766, "totalRateGiro": 0.030394080244309767, "totalRateSimanja": 0.032894080244309766, "totalRateSimpeda": 0.030394080244309767, "rateDeposito": 0.031, "penaltyRefund": 344385.47180639277, "penaltyTax": 86096.3679515982, "penaltyFee": 86096.3679515982, "penaltyTotal": 516578.20770958916, "shareNasabah": 0.5, "shareBank": 0.5, "income": 1052793.8013698631, "puabIncome": 61556.301369863, "creditIncome": 991237.5, "spreadSimanja": 838361.01284931519, "spreadSimpeda": 872265.01284931519, "spreadGiro": 872265.01284931519, "depositoGross": 420410 }, { "nominal": 99999999, "tenor": 3, "cashbackGross": 782694.32131689554, "cashbackNet": 626155.45705351641, "giroNet": 98629.6, "simanjaNet": 147944.8, "simpedaNet": 98629.6, "depositoNet": 611506.4, "totalGiro": 724785.05705351639, "totalSimanja": 774100.25705351634, "totalSimpeda": 724785.05705351639, "totalDeposito": 611506.4, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.025394082678888992, "totalRateGiro": 0.030394082678888993, "totalRateSimanja": 0.032894082678888992, "totalRateSimpeda": 0.030394082678888993, "rateDeposito": 0.031, "penaltyRefund": 626155.45705351641, "penaltyTax": 156538.8642633791, "penaltyFee": 156538.8642633791, "penaltyTotal": 939233.18558027467, "shareNasabah": 0.5, "shareBank": 0.5, "income": 1914170.5288035, "puabIncome": 111920.54682599999, "creditIncome": 1802249.9819775, "spreadSimanja": 1524292.6426337911, "spreadSimpeda": 1585936.6426337908, "spreadGiro": 1585936.6426337908, "depositoGross": 764383 }, { "nominal": 100000000, "tenor": 3, "cashbackGross": 782694.3298630137, "cashbackNet": 626155.463890411, "giroNet": 98629.6, "simanjaNet": 147944.8, "simpedaNet": 98629.6, "depositoNet": 611506.4, "totalGiro": 724785.06389041094, "totalSimanja": 774100.263890411, "totalSimpeda": 724785.06389041094, "totalDeposito": 611506.4, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.02539408270222222, "totalRateGiro": 0.030394082702222221, "totalRateSimanja": 0.032894082702222216, "totalRateSimpeda": 0.030394082702222221, "rateDeposito": 0.031, "penaltyRefund": 626155.463890411, "penaltyTax": 156538.86597260274, "penaltyFee": 156538.86597260274, "penaltyTotal": 939233.19583561644, "shareNasabah": 0.5, "shareBank": 0.5, "income": 1914170.5479452056, "puabIncome": 111920.54794520547, "creditIncome": 1802250, "spreadSimanja": 1524292.6597260274, "spreadSimpeda": 1585936.6597260274, "spreadGiro": 1585936.6597260274, "depositoGross": 764383 }, { "nominal": 100000001, "tenor": 3, "cashbackGross": 762146.33840913186, "cashbackNet": 609717.07072730549, "giroNet": 98629.6, "simanjaNet": 197260, "simpedaNet": 147944.8, "depositoNet": 621369.6, "totalGiro": 708346.67072730546, "totalSimanja": 806977.07072730549, "totalSimpeda": 757661.87072730553, "totalDeposito": 621369.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.02472741428777769, "totalRateGiro": 0.029727414287777691, "totalRateSimanja": 0.034727414287777689, "totalRateSimpeda": 0.032227414287777686, "rateDeposito": 0.0315, "penaltyRefund": 609717.07072730549, "penaltyTax": 152429.26768182637, "penaltyFee": 152429.26768182637, "penaltyTotal": 914575.60609095823, "shareNasabah": 0.5, "shareBank": 0.5, "income": 1914170.5670869108, "puabIncome": 111920.54906441094, "creditIncome": 1802250.0180225, "spreadSimanja": 1462648.6768182637, "spreadSimpeda": 1524292.6768182637, "spreadGiro": 1585936.6768182637, "depositoGross": 776712 }, { "nominal": 150000000, "tenor": 3, "cashbackGross": 1143219.2447945205, "cashbackNet": 914575.39583561639, "giroNet": 147944.8, "simanjaNet": 295890.4, "simpedaNet": 221917.6, "depositoNet": 932054.4, "totalGiro": 1062520.1958356164, "totalSimanja": 1210465.7958356165, "totalSimpeda": 1136492.9958356165, "totalDeposito": 932054.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024727408850370367, "totalRateGiro": 0.029727408850370368, "totalRateSimanja": 0.034727408850370366, "totalRateSimpeda": 0.03222740885037037, "rateDeposito": 0.0315, "penaltyRefund": 914575.39583561639, "penaltyTax": 228643.84895890413, "penaltyFee": 228643.8489589041, "penaltyTotal": 1371863.0937534247, "shareNasabah": 0.5, "shareBank": 0.5, "income": 2871255.8219178081, "puabIncome": 167880.82191780821, "creditIncome": 2703375, "spreadSimanja": 2193972.4895890411, "spreadSimpeda": 2286438.4895890411, "spreadGiro": 2378904.4895890411, "depositoGross": 1165068 }, { "nominal": 250000000, "tenor": 3, "cashbackGross": 1905365.4079908675, "cashbackNet": 1524292.3263926939, "giroNet": 246575.2, "simanjaNet": 493150.4, "simpedaNet": 369862.4, "depositoNet": 1553424, "totalGiro": 1770867.5263926939, "totalSimanja": 2017442.7263926938, "totalSimpeda": 1894154.7263926938, "totalDeposito": 1553424, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024727408850370367, "totalRateGiro": 0.029727408850370368, "totalRateSimanja": 0.034727408850370366, "totalRateSimpeda": 0.03222740885037037, "rateDeposito": 0.0315, "penaltyRefund": 1524292.3263926939, "penaltyTax": 381073.08159817354, "penaltyFee": 381073.08159817348, "penaltyTotal": 2286438.4895890411, "shareNasabah": 0.5, "shareBank": 0.5, "income": 4785426.3698630137, "puabIncome": 279801.36986301368, "creditIncome": 4505625, "spreadSimanja": 3656621.1493150685, "spreadSimpeda": 3810731.1493150685, "spreadGiro": 3964840.1493150685, "depositoGross": 1941780 }, { "nominal": 250000001, "tenor": 3, "cashbackGross": 1714828.8748832874, "cashbackNet": 1371863.0999066299, "giroNet": 246575.2, "simanjaNet": 493150.4, "simpedaNet": 369862.4, "depositoNet": 1578081.6, "totalGiro": 1618438.2999066298, "totalSimanja": 1865013.4999066298, "totalSimpeda": 1741725.4999066298, "totalDeposito": 1578081.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.022254667976133322, "totalRateGiro": 0.027254667976133323, "totalRateSimanja": 0.032254667976133321, "totalRateSimpeda": 0.029754667976133322, "rateDeposito": 0.032, "penaltyRefund": 1371863.0999066299, "penaltyTax": 342965.77497665747, "penaltyFee": 342965.77497665747, "penaltyTotal": 2057794.6498599448, "shareNasabah": 0.45, "shareBank": 0.55, "income": 4785426.3890047194, "puabIncome": 279801.37098221917, "creditIncome": 4505625.0180225, "spreadSimanja": 3656621.1664073053, "spreadSimpeda": 3810731.1664073053, "spreadGiro": 3964840.1664073053, "depositoGross": 1972602 }, { "nominal": 300000000, "tenor": 3, "cashbackGross": 2057794.4906301368, "cashbackNet": 1646235.5925041095, "giroNet": 295890.4, "simanjaNet": 591780.8, "simpedaNet": 443835.2, "depositoNet": 1893698.4, "totalGiro": 1942125.9925041096, "totalSimanja": 2238016.3925041095, "totalSimpeda": 2090070.7925041094, "totalDeposito": 1893698.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.022254666343111108, "totalRateGiro": 0.027254666343111109, "totalRateSimanja": 0.03225466634311111, "totalRateSimpeda": 0.029754666343111108, "rateDeposito": 0.032, "penaltyRefund": 1646235.5925041095, "penaltyTax": 411558.89812602737, "penaltyFee": 411558.89812602737, "penaltyTotal": 2469353.3887561643, "shareNasabah": 0.45, "shareBank": 0.55, "income": 5742511.6438356163, "puabIncome": 335761.64383561641, "creditIncome": 5406750, "spreadSimanja": 4387944.9791780822, "spreadSimpeda": 4572876.9791780822, "spreadGiro": 4757807.9791780822, "depositoGross": 2367123 }, { "nominal": 499999999, "tenor": 3, "cashbackGross": 3429657.5766920545, "cashbackNet": 2743726.0613536434, "giroNet": 493150.4, "simanjaNet": 986300.8, "simpedaNet": 739725.6, "depositoNet": 3156164, "totalGiro": 3236876.4613536433, "totalSimanja": 3730026.8613536432, "totalSimpeda": 3483451.6613536435, "totalDeposito": 3156164, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.0222546669866, "totalRateGiro": 0.0272546669866, "totalRateSimanja": 0.0322546669866, "totalRateSimpeda": 0.0297546669866, "rateDeposito": 0.032, "penaltyRefund": 2743726.0613536434, "penaltyTax": 685931.515338411, "penaltyFee": 685931.51533841086, "penaltyTotal": 4115589.0920304656, "shareNasabah": 0.45, "shareBank": 0.55, "income": 9570852.7205843218, "puabIncome": 559602.73860682186, "creditIncome": 9011249.9819775, "spreadSimanja": 7313242.2815379, "spreadSimpeda": 7621461.2815379, "spreadGiro": 7929680.2815379, "depositoGross": 3945205 }, { "nominal": 500000000, "tenor": 3, "cashbackGross": 3429657.5843835617, "cashbackNet": 2743726.0675068493, "giroNet": 493150.4, "simanjaNet": 986300.8, "simpedaNet": 739725.6, "depositoNet": 3156164, "totalGiro": 3236876.4675068492, "totalSimanja": 3730026.8675068496, "totalSimpeda": 3483451.6675068494, "totalDeposito": 3156164, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.022254666992, "totalRateGiro": 0.027254666992, "totalRateSimanja": 0.032254666992, "totalRateSimpeda": 0.029754666992, "rateDeposito": 0.032, "penaltyRefund": 2743726.0675068493, "penaltyTax": 685931.51687671244, "penaltyFee": 685931.51687671233, "penaltyTotal": 4115589.1012602742, "shareNasabah": 0.45, "shareBank": 0.55, "income": 9570852.7397260275, "puabIncome": 559602.73972602736, "creditIncome": 9011250, "spreadSimanja": 7313242.298630137, "spreadSimpeda": 7621461.298630137, "spreadGiro": 7929680.298630137, "depositoGross": 3945205 }, { "nominal": 500000001, "tenor": 3, "cashbackGross": 3106027.3420750685, "cashbackNet": 2484821.873660055, "giroNet": 493150.4, "simanjaNet": 1972602.4, "simpedaNet": 1479452, "depositoNet": 3304108.8, "totalGiro": 2977972.2736600549, "totalSimanja": 4457424.2736600544, "totalSimpeda": 3964273.873660055, "totalDeposito": 3304108.8, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.020154666268266667, "totalRateGiro": 0.025154666268266668, "totalRateSimanja": 0.040154666268266664, "totalRateSimpeda": 0.035154666268266667, "rateDeposito": 0.0335, "penaltyRefund": 2484821.873660055, "penaltyTax": 621205.46841501375, "penaltyFee": 621205.46841501375, "penaltyTotal": 3727232.810490082, "shareNasabah": 0.45, "shareBank": 0.55, "income": 9570852.7588677332, "puabIncome": 559602.74084523274, "creditIncome": 9011250.0180225, "spreadSimanja": 6080365.3157223742, "spreadSimpeda": 6696803.3157223742, "spreadGiro": 7929680.3157223742, "depositoGross": 4130136 }, { "nominal": 750000000, "tenor": 3, "cashbackGross": 4659041.0015753424, "cashbackNet": 3727232.8012602739, "giroNet": 739725.6, "simanjaNet": 2958904, "simpedaNet": 2219177.6, "depositoNet": 4956164, "totalGiro": 4466958.4012602735, "totalSimanja": 6686136.8012602739, "totalSimpeda": 5946410.4012602735, "totalDeposito": 4956164, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.020154666258666666, "totalRateGiro": 0.025154666258666667, "totalRateSimanja": 0.040154666258666663, "totalRateSimpeda": 0.035154666258666666, "rateDeposito": 0.0335, "penaltyRefund": 3727232.8012602739, "penaltyTax": 931808.20031506848, "penaltyFee": 931808.20031506848, "penaltyTotal": 5590849.2018904109, "shareNasabah": 0.45, "shareBank": 0.55, "income": 14356279.10958904, "puabIncome": 839404.109589041, "creditIncome": 13516875, "spreadSimanja": 9120547.4479452036, "spreadSimpeda": 10045205.447945204, "spreadGiro": 11894520.447945204, "depositoGross": 6195205 }, { "nominal": 999999999, "tenor": 3, "cashbackGross": 6212054.6610756153, "cashbackNet": 4969643.7288604919, "giroNet": 986300.8, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 6608218.4, "totalGiro": 5955944.5288604917, "totalSimanja": 8914848.52886049, "totalSimpeda": 7928547.7288604919, "totalDeposito": 6608218.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.020154666253866662, "totalRateGiro": 0.025154666253866663, "totalRateSimanja": 0.040154666253866662, "totalRateSimpeda": 0.035154666253866665, "rateDeposito": 0.0335, "penaltyRefund": 4969643.7288604919, "penaltyTax": 1242410.9322151232, "penaltyFee": 1242410.932215123, "penaltyTotal": 7454465.5932907388, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.460310347, "puabIncome": 1119205.4783328492, "creditIncome": 18022499.9819775, "spreadSimanja": 12160730.580168035, "spreadSimpeda": 13393606.580168035, "spreadGiro": 15859360.580168035, "depositoGross": 8260273 }, { "nominal": 1000000000, "tenor": 3, "cashbackGross": 6212054.6687671235, "cashbackNet": 4969643.7350136992, "giroNet": 986300.8, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 6608218.4, "totalGiro": 5955944.535013699, "totalSimanja": 8914848.535013698, "totalSimpeda": 7928547.7350136992, "totalDeposito": 6608218.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.02015466625866667, "totalRateGiro": 0.025154666258666671, "totalRateSimanja": 0.04015466625866667, "totalRateSimpeda": 0.035154666258666672, "rateDeposito": 0.0335, "penaltyRefund": 4969643.7350136992, "penaltyTax": 1242410.9337534248, "penaltyFee": 1242410.9337534248, "penaltyTotal": 7454465.60252055, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.479452055, "puabIncome": 1119205.4794520547, "creditIncome": 18022500, "spreadSimanja": 12160730.597260274, "spreadSimpeda": 13393606.597260274, "spreadGiro": 15859360.597260274, "depositoGross": 8260273 }, { "nominal": 1000000001, "tenor": 3, "cashbackGross": 5842191.7264586287, "cashbackNet": 4673753.3811669033, "giroNet": 986300.8, "simanjaNet": 4931506.4, "simpedaNet": 3945204.8, "depositoNet": 6904108.8, "totalGiro": 5660054.1811669031, "totalSimanja": 9605259.7811669037, "totalSimpeda": 8618958.1811669022, "totalDeposito": 6904108.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.018954666471333328, "totalRateGiro": 0.023954666471333329, "totalRateSimanja": 0.04395466647133333, "totalRateSimpeda": 0.038954666471333332, "rateDeposito": 0.035, "penaltyRefund": 4673753.3811669033, "penaltyTax": 1168438.3452917258, "penaltyFee": 1168438.3452917258, "penaltyTotal": 7010630.0717503559, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.498593759, "puabIncome": 1119205.4805712602, "creditIncome": 18022500.0180225, "spreadSimanja": 10927853.614352509, "spreadSimpeda": 12160730.614352509, "spreadGiro": 15859360.614352509, "depositoGross": 8630136 }, { "nominal": 1500000000, "tenor": 3, "cashbackGross": 8763287.203150684, "cashbackNet": 7010629.762520547, "giroNet": 1479452, "simanjaNet": 7397260, "simpedaNet": 5917808, "depositoNet": 10356164, "totalGiro": 8490081.762520548, "totalSimanja": 14407889.762520548, "totalSimpeda": 12928437.762520548, "totalDeposito": 10356164, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.018954665654222221, "totalRateGiro": 0.023954665654222222, "totalRateSimanja": 0.043954665654222222, "totalRateSimpeda": 0.038954665654222217, "rateDeposito": 0.035, "penaltyRefund": 7010629.762520547, "penaltyTax": 1752657.440630137, "penaltyFee": 1752657.4406301368, "penaltyTotal": 10515944.64378082, "shareNasabah": 0.45, "shareBank": 0.55, "income": 28712558.219178081, "puabIncome": 1678808.219178082, "creditIncome": 27033750, "spreadSimanja": 16391779.895890409, "spreadSimpeda": 18241094.895890407, "spreadGiro": 23789039.895890407, "depositoGross": 12945205 }, { "nominal": 1999999999, "tenor": 3, "cashbackGross": 11684382.979842739, "cashbackNet": 9347506.383874191, "giroNet": 1972602.4, "simanjaNet": 9863013.6, "simpedaNet": 7890410.4, "depositoNet": 13808218.4, "totalGiro": 11320108.783874191, "totalSimanja": 19210519.983874191, "totalSimpeda": 17237916.783874191, "totalDeposito": 13808218.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.018954665732333328, "totalRateGiro": 0.023954665732333329, "totalRateSimanja": 0.04395466573233333, "totalRateSimpeda": 0.038954665732333332, "rateDeposito": 0.035, "penaltyRefund": 9347506.383874191, "penaltyTax": 2336876.5959685477, "penaltyFee": 2336876.5959685477, "penaltyTotal": 14021259.575811287, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.939762406, "puabIncome": 2238410.9577849042, "creditIncome": 36044999.9819775, "spreadSimanja": 21855706.177428313, "spreadSimpeda": 24321460.177428313, "spreadGiro": 31718720.177428313, "depositoGross": 17260273 }, { "nominal": 2000000000, "tenor": 3, "cashbackGross": 7789588.6583561646, "cashbackNet": 6231670.9266849319, "giroNet": 1972602.4, "simanjaNet": 9863013.6, "simpedaNet": 7890410.4, "depositoNet": 13808218.4, "totalGiro": 8204273.3266849313, "totalSimanja": 16094684.526684932, "totalSimpeda": 14122081.326684933, "totalDeposito": 13808218.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.012636443823555556, "totalRateGiro": 0.017636443823555555, "totalRateSimanja": 0.037636443823555556, "totalRateSimpeda": 0.032636443823555558, "rateDeposito": 0.035, "penaltyRefund": 6231670.9266849319, "penaltyTax": 1557917.731671233, "penaltyFee": 1557917.731671233, "penaltyTotal": 9347506.3900273982, "shareNasabah": 0.3, "shareBank": 0.7, "income": 38283410.95890411, "puabIncome": 2238410.9589041094, "creditIncome": 36045000, "spreadSimanja": 21855706.194520548, "spreadSimpeda": 24321460.194520548, "spreadGiro": 31718720.194520548, "depositoGross": 17260273 }, { "nominal": 2000000001, "tenor": 3, "cashbackGross": 7789588.6640838338, "cashbackNet": 6231670.9312670669, "giroNet": 1972602.4, "simanjaNet": 9863013.6, "simpedaNet": 7890410.4, "depositoNet": 13808218.4, "totalGiro": 8204273.3312670663, "totalSimanja": 16094684.531267066, "totalSimpeda": 14122081.331267066, "totalDeposito": 13808218.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.012636443826528884, "totalRateGiro": 0.017636443826528885, "totalRateSimanja": 0.037636443826528886, "totalRateSimpeda": 0.032636443826528888, "rateDeposito": 0.035, "penaltyRefund": 6231670.9312670669, "penaltyTax": 1557917.7328167669, "penaltyFee": 1557917.7328167667, "penaltyTotal": 9347506.3969006, "shareNasabah": 0.3, "shareBank": 0.7, "income": 38283410.978045806, "puabIncome": 2238410.9600233142, "creditIncome": 36045000.018022493, "spreadSimanja": 21855706.213612776, "spreadSimpeda": 24321460.213612776, "spreadGiro": 31718720.213612776, "depositoGross": 17260273 }, { "nominal": 5000000000, "tenor": 3, "cashbackGross": 21273971.495890412, "cashbackNet": 17019177.19671233, "giroNet": 4931506.4, "simanjaNet": 24657533.6, "simpedaNet": 19726027.2, "depositoNet": 34520547.2, "totalGiro": 21950683.596712328, "totalSimanja": 41676710.796712331, "totalSimpeda": 36745204.396712333, "totalDeposito": 34520547.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.013804443726222223, "totalRateGiro": 0.018804443726222222, "totalRateSimanja": 0.038804443726222222, "totalRateSimpeda": 0.033804443726222225, "rateDeposito": 0.035, "penaltyRefund": 17019177.19671233, "penaltyTax": 4254794.2991780825, "penaltyFee": 4254794.2991780825, "penaltyTotal": 25528765.795068495, "shareNasabah": 0.3, "shareBank": 0.7, "income": 95708527.397260278, "puabIncome": 5596027.3972602729, "creditIncome": 90112500, "spreadSimanja": 60639265.986301377, "spreadSimpeda": 66803648.986301377, "spreadGiro": 85296799.986301377, "depositoGross": 43150684 }, { "nominal": 10000000000, "tenor": 3, "cashbackGross": 43747942.791780829, "cashbackNet": 34998354.233424664, "giroNet": 9863013.6, "simanjaNet": 49315068, "simpedaNet": 39452054.4, "depositoNet": 69041095.2, "totalGiro": 44861367.833424665, "totalSimanja": 84313422.233424664, "totalSimpeda": 74450408.63342467, "totalDeposito": 69041095.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014193776994666668, "totalRateGiro": 0.019193776994666668, "totalRateSimanja": 0.039193776994666668, "totalRateSimpeda": 0.034193776994666671, "rateDeposito": 0.035, "penaltyRefund": 34998354.233424664, "penaltyTax": 8749588.5583561659, "penaltyFee": 8749588.5583561659, "penaltyTotal": 52497531.350136995, "shareNasabah": 0.3, "shareBank": 0.7, "income": 191417054.79452056, "puabIncome": 11192054.794520546, "creditIncome": 180225000, "spreadSimanja": 125278530.97260275, "spreadSimpeda": 137607297.97260275, "spreadGiro": 174593598.97260275, "depositoGross": 86301369 }, { "nominal": 50000000000, "tenor": 3, "cashbackGross": 223539713.45890412, "cashbackNet": 178831770.76712328, "giroNet": 49315068, "simanjaNet": 246575342.4, "simpedaNet": 197260273.6, "depositoNet": 345205479.2, "totalGiro": 228146838.76712328, "totalSimanja": 425407113.16712332, "totalSimpeda": 376092044.36712325, "totalDeposito": 345205479.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014505243628888888, "totalRateGiro": 0.019505243628888887, "totalRateSimanja": 0.039505243628888888, "totalRateSimpeda": 0.03450524362888889, "rateDeposito": 0.035, "penaltyRefund": 178831770.76712328, "penaltyTax": 44707942.691780828, "penaltyFee": 44707942.69178082, "penaltyTotal": 268247656.15068495, "shareNasabah": 0.3, "shareBank": 0.7, "income": 957085273.97260273, "puabIncome": 55960273.97260274, "creditIncome": 901125000, "spreadSimanja": 642392651.86301374, "spreadSimpeda": 704036487.86301374, "spreadGiro": 888967994.86301374, "depositoGross": 431506849 }, { "nominal": 50000000001, "tenor": 3, "cashbackGross": 220457521.66463181, "cashbackNet": 176366017.33170545, "giroNet": 73972602.4, "simanjaNet": 246575342.4, "simpedaNet": 197260273.6, "depositoNet": 345205479.2, "totalGiro": 250338619.73170546, "totalSimanja": 422941359.73170543, "totalSimpeda": 373626290.93170547, "totalDeposito": 345205479.2, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014305243627730004, "totalRateGiro": 0.021805243627730002, "totalRateSimanja": 0.039305243627730004, "totalRateSimpeda": 0.034305243627730006, "rateDeposito": 0.035, "penaltyRefund": 176366017.33170545, "penaltyTax": 44091504.332926363, "penaltyFee": 44091504.332926363, "penaltyTotal": 264549025.99755818, "shareNasabah": 0.3, "shareBank": 0.7, "income": 957085273.99174452, "puabIncome": 55960273.973721936, "creditIncome": 901125000.01802254, "spreadSimanja": 642392651.88210607, "spreadSimpeda": 704036487.88210607, "spreadGiro": 858146076.88210607, "depositoGross": 431506849 }, { "nominal": 100000000000, "tenor": 3, "cashbackGross": 442115043.31780821, "cashbackNet": 353692034.65424657, "giroNet": 147945204.8, "simanjaNet": 493150684.8, "simpedaNet": 394520547.2, "depositoNet": 690410958.4, "totalGiro": 501637239.45424658, "totalSimanja": 846842719.45424652, "totalSimpeda": 748212581.85424662, "totalDeposito": 690410958.4, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014344176960977777, "totalRateGiro": 0.021844176960977776, "totalRateSimanja": 0.039344176960977778, "totalRateSimpeda": 0.034344176960977774, "rateDeposito": 0.035, "penaltyRefund": 353692034.65424657, "penaltyTax": 88423008.663561642, "penaltyFee": 88423008.663561642, "penaltyTotal": 530538051.98136985, "shareNasabah": 0.3, "shareBank": 0.7, "income": 1914170547.9452055, "puabIncome": 111920547.94520548, "creditIncome": 1802250000, "spreadSimanja": 1288785303.7260275, "spreadSimpeda": 1412072975.7260275, "spreadGiro": 1720292153.7260275, "depositoGross": 863013698 }, { "nominal": 100000, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 0, "simpedaNet": 0, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0, "rateSimpeda": 0, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3828.341095890411, "puabIncome": 223.84109589041094, "creditIncome": 3604.5, "spreadSimanja": 3618.4473194520547, "spreadSimpeda": 3618.4473194520547, "spreadGiro": 3618.4473194520547, "depositoGross": 0 }, { "nominal": 500000, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 1479.2, "simpedaNet": 985.6, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 19141.705479452055, "puabIncome": 1119.2054794520548, "creditIncome": 18022.5, "spreadSimanja": 16243.236597260275, "spreadSimpeda": 16860.236597260275, "spreadGiro": 18092.236597260275, "depositoGross": 0 }, { "nominal": 999999, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 2958.4, "simpedaNet": 1972, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 38283.372675493149, "puabIncome": 2238.4087204931507, "creditIncome": 36044.963955, "spreadSimanja": 32486.437010047353, "spreadSimpeda": 33719.437010047353, "spreadGiro": 36184.437010047353, "depositoGross": 0 }, { "nominal": 1000000, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 2958.4, "simpedaNet": 1972, "depositoNet": 12624, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 12624, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.032, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 38283.410958904111, "puabIncome": 2238.4109589041095, "creditIncome": 36045, "spreadSimanja": 32486.473194520549, "spreadSimpeda": 33719.473194520549, "spreadGiro": 36184.473194520549, "depositoGross": 15780 }, { "nominal": 10000000, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 29588.8, "simpedaNet": 19725.6, "depositoNet": 126246.4, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 126246.4, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.032, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 382834.10958904109, "puabIncome": 22384.109589041094, "creditIncome": 360450, "spreadSimanja": 324858.73194520548, "spreadSimpeda": 337187.73194520548, "spreadGiro": 361844.73194520548, "depositoGross": 157808 }, { "nominal": 49999999, "tenor": 6, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 147944.8, "simpedaNet": 98629.6, "depositoNet": 631232.8, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 631232.8, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.032, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1914170.5096617946, "puabIncome": 111920.54570679451, "creditIncome": 1802249.963955, "spreadSimanja": 1624292.6235415544, "spreadSimpeda": 1685936.6235415544, "spreadGiro": 1809223.6235415544, "depositoGross": 789041 }, { "nominal": 50000000, "tenor": 6, "cashbackGross": 853242.16319634707, "cashbackNet": 682593.73055707768, "giroNet": 0, "simanjaNet": 147944.8, "simpedaNet": 98629.6, "depositoNet": 631232.8, "totalGiro": 682593.73055707768, "totalSimanja": 830538.53055707761, "totalSimpeda": 781223.33055707766, "totalDeposito": 631232.8, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027682967961481484, "totalRateGiro": 0.027682967961481484, "totalRateSimanja": 0.035182967961481487, "totalRateSimpeda": 0.032682967961481485, "rateDeposito": 0.032, "penaltyRefund": 682593.73055707768, "penaltyTax": 170648.43263926942, "penaltyFee": 170648.43263926942, "penaltyTotal": 1023890.5958356165, "shareNasabah": 0.5, "shareBank": 0.5, "income": 1914170.5479452056, "puabIncome": 111920.54794520547, "creditIncome": 1802250, "spreadSimanja": 1624292.6597260274, "spreadSimpeda": 1685936.6597260274, "spreadGiro": 1809223.6597260274, "depositoGross": 789041 }, { "nominal": 55000000, "tenor": 6, "cashbackGross": 915963.67951598193, "cashbackNet": 732770.94361278554, "giroNet": 108492.8, "simanjaNet": 162739.2, "simpedaNet": 108492.8, "depositoNet": 694356, "totalGiro": 841263.74361278559, "totalSimanja": 895510.1436127855, "totalSimpeda": 841263.74361278559, "totalDeposito": 694356, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027016302466531989, "totalRateGiro": 0.03201630246653199, "totalRateSimanja": 0.034516302466531992, "totalRateSimpeda": 0.03201630246653199, "rateDeposito": 0.032, "penaltyRefund": 732770.94361278554, "penaltyTax": 183192.73590319639, "penaltyFee": 183192.73590319639, "penaltyTotal": 1099156.4154191783, "shareNasabah": 0.5, "shareBank": 0.5, "income": 2105587.6027397262, "puabIncome": 123112.602739726, "creditIncome": 1982475, "spreadSimanja": 1786722.0256986304, "spreadSimpeda": 1854530.0256986304, "spreadGiro": 1854530.0256986304, "depositoGross": 867945 }, { "nominal": 99999999, "tenor": 6, "cashbackGross": 1665388.1416337909, "cashbackNet": 1332310.5133070326, "giroNet": 197260, "simanjaNet": 295890.4, "simpedaNet": 197260, "depositoNet": 1262465.6, "totalGiro": 1529570.5133070326, "totalSimanja": 1628200.9133070325, "totalSimpeda": 1529570.5133070326, "totalDeposito": 1262465.6, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027016296790000015, "totalRateGiro": 0.032016296790000016, "totalRateSimanja": 0.034516296790000012, "totalRateSimpeda": 0.032016296790000016, "rateDeposito": 0.032, "penaltyRefund": 1332310.5133070326, "penaltyTax": 333077.62832675822, "penaltyFee": 333077.62832675816, "penaltyTotal": 1998465.7699605492, "shareNasabah": 0.5, "shareBank": 0.5, "income": 3828341.057607, "puabIncome": 223841.09365199998, "creditIncome": 3604499.963955, "spreadSimanja": 3248584.2832675818, "spreadSimpeda": 3371872.2832675818, "spreadGiro": 3371872.2832675818, "depositoGross": 1578082 }, { "nominal": 100000000, "tenor": 6, "cashbackGross": 1665388.1597260274, "cashbackNet": 1332310.527780822, "giroNet": 197260, "simanjaNet": 295890.4, "simpedaNet": 197260, "depositoNet": 1262465.6, "totalGiro": 1529570.527780822, "totalSimanja": 1628200.9277808219, "totalSimpeda": 1529570.527780822, "totalDeposito": 1262465.6, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027016296813333337, "totalRateGiro": 0.032016296813333338, "totalRateSimanja": 0.034516296813333333, "totalRateSimpeda": 0.032016296813333338, "rateDeposito": 0.032, "penaltyRefund": 1332310.527780822, "penaltyTax": 333077.6319452055, "penaltyFee": 333077.6319452055, "penaltyTotal": 1998465.7916712328, "shareNasabah": 0.5, "shareBank": 0.5, "income": 3828341.0958904112, "puabIncome": 223841.09589041094, "creditIncome": 3604500, "spreadSimanja": 3248584.3194520548, "spreadSimpeda": 3371872.3194520548, "spreadGiro": 3371872.3194520548, "depositoGross": 1578082 }, { "nominal": 100000001, "tenor": 6, "cashbackGross": 1624292.3444849306, "cashbackNet": 1299433.8755879444, "giroNet": 197260, "simanjaNet": 394520, "simpedaNet": 295890.4, "depositoNet": 1282191.2, "totalGiro": 1496693.8755879444, "totalSimanja": 1693953.8755879444, "totalSimpeda": 1595324.2755879443, "totalDeposito": 1282191.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.026349631102592561, "totalRateGiro": 0.031349631102592562, "totalRateSimanja": 0.03634963110259256, "totalRateSimpeda": 0.033849631102592564, "rateDeposito": 0.0325, "penaltyRefund": 1299433.8755879444, "penaltyTax": 324858.46889698616, "penaltyFee": 324858.4688969861, "penaltyTotal": 1949150.8133819168, "shareNasabah": 0.5, "shareBank": 0.5, "income": 3828341.1341738217, "puabIncome": 223841.09812882188, "creditIncome": 3604500.036045, "spreadSimanja": 3125297.3556365278, "spreadSimpeda": 3248584.3556365278, "spreadGiro": 3371872.3556365278, "depositoGross": 1602739 }, { "nominal": 150000000, "tenor": 6, "cashbackGross": 2436438.3229223746, "cashbackNet": 1949150.6583378997, "giroNet": 295890.4, "simanjaNet": 591780.8, "simpedaNet": 443835.2, "depositoNet": 1923287.2, "totalGiro": 2245041.0583379, "totalSimanja": 2540931.4583378998, "totalSimpeda": 2392985.8583378997, "totalDeposito": 1923287.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.026349629270123458, "totalRateGiro": 0.031349629270123455, "totalRateSimanja": 0.03634962927012346, "totalRateSimpeda": 0.033849629270123457, "rateDeposito": 0.0325, "penaltyRefund": 1949150.6583378997, "penaltyTax": 487287.66458447493, "penaltyFee": 487287.66458447493, "penaltyTotal": 2923725.9875068497, "shareNasabah": 0.5, "shareBank": 0.5, "income": 5742511.6438356163, "puabIncome": 335761.64383561641, "creditIncome": 5406750, "spreadSimanja": 4687944.9791780822, "spreadSimpeda": 4872876.9791780822, "spreadGiro": 5057807.9791780822, "depositoGross": 2404109 }, { "nominal": 250000000, "tenor": 6, "cashbackGross": 4060730.6493150685, "cashbackNet": 3248584.519452055, "giroNet": 493150.4, "simanjaNet": 986300.8, "simpedaNet": 739725.6, "depositoNet": 3205479.2, "totalGiro": 3741734.9194520549, "totalSimanja": 4234885.3194520548, "totalSimpeda": 3988310.1194520551, "totalDeposito": 3205479.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.026349629991111109, "totalRateGiro": 0.031349629991111107, "totalRateSimanja": 0.036349629991111111, "totalRateSimpeda": 0.033849629991111109, "rateDeposito": 0.0325, "penaltyRefund": 3248584.519452055, "penaltyTax": 812146.12986301375, "penaltyFee": 812146.12986301375, "penaltyTotal": 4872876.779178082, "shareNasabah": 0.5, "shareBank": 0.5, "income": 9570852.7397260275, "puabIncome": 559602.73972602736, "creditIncome": 9011250, "spreadSimanja": 7813242.298630137, "spreadSimpeda": 8121461.298630137, "spreadGiro": 8429680.298630137, "depositoGross": 4006849 }, { "nominal": 250000001, "tenor": 6, "cashbackGross": 3654657.6006665747, "cashbackNet": 2923726.0805332595, "giroNet": 493150.4, "simanjaNet": 986300.8, "simpedaNet": 739725.6, "depositoNet": 3254794.4, "totalGiro": 3416876.4805332595, "totalSimanja": 3910026.8805332594, "totalSimpeda": 3663451.6805332596, "totalDeposito": 3254794.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.023714667002799991, "totalRateGiro": 0.028714667002799992, "totalRateSimanja": 0.033714667002799993, "totalRateSimpeda": 0.031214667002799991, "rateDeposito": 0.033, "penaltyRefund": 2923726.0805332595, "penaltyTax": 730931.520133315, "penaltyFee": 730931.52013331489, "penaltyTotal": 4385589.12079989, "shareNasabah": 0.45, "shareBank": 0.55, "income": 9570852.7780094389, "puabIncome": 559602.74196443835, "creditIncome": 9011250.036045, "spreadSimanja": 7813242.3348146109, "spreadSimpeda": 8121461.3348146109, "spreadGiro": 8429680.33481461, "depositoGross": 4068493 }, { "nominal": 300000000, "tenor": 6, "cashbackGross": 4385588.8312602742, "cashbackNet": 3508471.0650082193, "giroNet": 591780.8, "simanjaNet": 1183561.6, "simpedaNet": 887671.2, "depositoNet": 3905752.8, "totalGiro": 4100251.8650082191, "totalSimanja": 4692032.665008219, "totalSimpeda": 4396142.2650082195, "totalDeposito": 3905752.8, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.023714665532000002, "totalRateGiro": 0.028714665532000003, "totalRateSimanja": 0.033714665532000004, "totalRateSimpeda": 0.031214665532000002, "rateDeposito": 0.033, "penaltyRefund": 3508471.0650082193, "penaltyTax": 877117.76625205483, "penaltyFee": 877117.76625205483, "penaltyTotal": 5262706.597512329, "shareNasabah": 0.45, "shareBank": 0.55, "income": 11485023.287671233, "puabIncome": 671523.28767123283, "creditIncome": 10813500, "spreadSimanja": 9375889.9583561644, "spreadSimpeda": 9745752.9583561644, "spreadGiro": 10115615.958356164, "depositoGross": 4882191 }, { "nominal": 499999999, "tenor": 6, "cashbackGross": 7309314.8524841107, "cashbackNet": 5847451.8819872886, "giroNet": 986300.8, "simanjaNet": 1972602.4, "simpedaNet": 1479452, "depositoNet": 6509588.8, "totalGiro": 6833752.6819872884, "totalSimanja": 7820054.281987289, "totalSimpeda": 7326903.8819872886, "totalDeposito": 6509588.8, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.023714666013266668, "totalRateGiro": 0.028714666013266669, "totalRateSimanja": 0.03371466601326667, "totalRateSimpeda": 0.031214666013266668, "rateDeposito": 0.033, "penaltyRefund": 5847451.8819872886, "penaltyTax": 1461862.9704968221, "penaltyFee": 1461862.9704968221, "penaltyTotal": 8771177.8229809329, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.441168644, "puabIncome": 1119205.4772136437, "creditIncome": 18022499.963955, "spreadSimanja": 15626483.561075801, "spreadSimpeda": 16242921.561075801, "spreadGiro": 16859360.5610758, "depositoGross": 8136986 }, { "nominal": 500000000, "tenor": 6, "cashbackGross": 7309314.8687671237, "cashbackNet": 5847451.8950136993, "giroNet": 986300.8, "simanjaNet": 1972602.4, "simpedaNet": 1479452, "depositoNet": 6509588.8, "totalGiro": 6833752.6950136991, "totalSimanja": 7820054.2950137, "totalSimpeda": 7326903.8950136993, "totalDeposito": 6509588.8, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.023714666018666668, "totalRateGiro": 0.028714666018666669, "totalRateSimanja": 0.03371466601866667, "totalRateSimpeda": 0.031214666018666667, "rateDeposito": 0.033, "penaltyRefund": 5847451.8950136993, "penaltyTax": 1461862.9737534248, "penaltyFee": 1461862.9737534248, "penaltyTotal": 8771177.842520548, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.479452055, "puabIncome": 1119205.4794520547, "creditIncome": 18022500, "spreadSimanja": 15626483.597260274, "spreadSimpeda": 16242921.597260274, "spreadGiro": 16859360.597260274, "depositoGross": 8136986 }, { "nominal": 500000001, "tenor": 6, "cashbackGross": 6662054.6850501373, "cashbackNet": 5329643.74804011, "giroNet": 986300.8, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 6805479.2, "totalGiro": 6315944.54804011, "totalSimanja": 9274848.54804011, "totalSimpeda": 8288547.74804011, "totalDeposito": 6805479.2, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.021614666268266667, "totalRateGiro": 0.026614666268266668, "totalRateSimanja": 0.041614666268266667, "totalRateSimpeda": 0.036614666268266663, "rateDeposito": 0.0345, "penaltyRefund": 5329643.74804011, "penaltyTax": 1332410.9370100275, "penaltyFee": 1332410.9370100275, "penaltyTotal": 7994465.6220601648, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.517735466, "puabIncome": 1119205.4816904655, "creditIncome": 18022500.036045, "spreadSimanja": 13160730.633444749, "spreadSimpeda": 14393606.633444749, "spreadGiro": 16859360.633444749, "depositoGross": 8506849 }, { "nominal": 750000000, "tenor": 6, "cashbackGross": 9993081.703150684, "cashbackNet": 7994465.3625205476, "giroNet": 1479452, "simanjaNet": 5917808, "simpedaNet": 4438356, "depositoNet": 10208218.4, "totalGiro": 9473917.3625205476, "totalSimanja": 13912273.362520548, "totalSimpeda": 12432821.362520548, "totalDeposito": 10208218.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.021614665609777775, "totalRateGiro": 0.026614665609777776, "totalRateSimanja": 0.041614665609777779, "totalRateSimpeda": 0.036614665609777775, "rateDeposito": 0.0345, "penaltyRefund": 7994465.3625205476, "penaltyTax": 1998616.3406301369, "penaltyFee": 1998616.3406301369, "penaltyTotal": 11991698.04378082, "shareNasabah": 0.45, "shareBank": 0.55, "income": 28712558.219178081, "puabIncome": 1678808.219178082, "creditIncome": 27033750, "spreadSimanja": 19741094.895890407, "spreadSimpeda": 21590409.895890407, "spreadGiro": 25289039.895890407, "depositoGross": 12760273 }, { "nominal": 999999999, "tenor": 6, "cashbackGross": 13324109.021251233, "cashbackNet": 10659287.217000987, "giroNet": 1972602.4, "simanjaNet": 7890410.4, "simpedaNet": 5917808, "depositoNet": 13610958.4, "totalGiro": 12631889.617000988, "totalSimanja": 18549697.61700099, "totalSimpeda": 16577095.217000987, "totalDeposito": 13610958.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.0216146657672, "totalRateGiro": 0.0266146657672, "totalRateSimanja": 0.0416146657672, "totalRateSimpeda": 0.0366146657672, "rateDeposito": 0.0345, "penaltyRefund": 10659287.217000987, "penaltyTax": 2664821.8042502468, "penaltyFee": 2664821.8042502468, "penaltyTotal": 15988930.825501483, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.920620695, "puabIncome": 2238410.9566656984, "creditIncome": 36044999.963955, "spreadSimanja": 26321460.158336073, "spreadSimpeda": 28787213.158336073, "spreadGiro": 33718720.158336073, "depositoGross": 17013698 }, { "nominal": 1000000000, "tenor": 6, "cashbackGross": 13324109.037534246, "cashbackNet": 10659287.230027396, "giroNet": 1972602.4, "simanjaNet": 7890410.4, "simpedaNet": 5917808, "depositoNet": 13610958.4, "totalGiro": 12631889.630027397, "totalSimanja": 18549697.6300274, "totalSimpeda": 16577095.230027396, "totalDeposito": 13610958.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.021614665771999997, "totalRateGiro": 0.026614665771999998, "totalRateSimanja": 0.041614665772, "totalRateSimpeda": 0.036614665771999996, "rateDeposito": 0.0345, "penaltyRefund": 10659287.230027396, "penaltyTax": 2664821.8075068495, "penaltyFee": 2664821.8075068491, "penaltyTotal": 15988930.845041096, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.95890411, "puabIncome": 2238410.9589041094, "creditIncome": 36045000, "spreadSimanja": 26321460.194520548, "spreadSimpeda": 28787213.194520548, "spreadGiro": 33718720.194520548, "depositoGross": 17013698 }, { "nominal": 1000000001, "tenor": 6, "cashbackGross": 12584383.003817258, "cashbackNet": 10067506.403053807, "giroNet": 1972602.4, "simanjaNet": 9863013.6, "simpedaNet": 7890410.4, "depositoNet": 13808218.4, "totalGiro": 12040108.803053807, "totalSimanja": 19930520.003053807, "totalSimpeda": 17957916.803053807, "totalDeposito": 13808218.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.02041466574133333, "totalRateGiro": 0.025414665741333331, "totalRateSimanja": 0.045414665741333335, "totalRateSimpeda": 0.04041466574133333, "rateDeposito": 0.035, "penaltyRefund": 10067506.403053807, "penaltyTax": 2516876.6007634518, "penaltyFee": 2516876.6007634518, "penaltyTotal": 15101259.60458071, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.997187518, "puabIncome": 2238410.9611425204, "creditIncome": 36045000.036045, "spreadSimanja": 23855706.230705015, "spreadSimpeda": 26321460.230705015, "spreadGiro": 33718720.230705015, "depositoGross": 17260273 }, { "nominal": 1500000000, "tenor": 6, "cashbackGross": 18876574.406301368, "cashbackNet": 15101259.525041094, "giroNet": 2958904, "simanjaNet": 14794520, "simpedaNet": 11835616, "depositoNet": 20712328, "totalGiro": 18060163.525041096, "totalSimanja": 29895779.525041096, "totalSimpeda": 26936875.525041096, "totalDeposito": 20712328, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.02041466565422222, "totalRateGiro": 0.025414665654222221, "totalRateSimanja": 0.045414665654222225, "totalRateSimpeda": 0.04041466565422222, "rateDeposito": 0.035, "penaltyRefund": 15101259.525041094, "penaltyTax": 3775314.881260274, "penaltyFee": 3775314.8812602735, "penaltyTotal": 22651889.28756164, "shareNasabah": 0.45, "shareBank": 0.55, "income": 57425116.438356161, "puabIncome": 3357616.4383561639, "creditIncome": 54067500, "spreadSimanja": 35783559.791780815, "spreadSimpeda": 39482189.791780815, "spreadGiro": 50578079.791780815, "depositoGross": 25890410 }, { "nominal": 1999999999, "tenor": 6, "cashbackGross": 25168765.808785483, "cashbackNet": 20135012.647028387, "giroNet": 3945204.8, "simanjaNet": 19726027.2, "simpedaNet": 15780821.6, "depositoNet": 27616437.6, "totalGiro": 24080217.447028387, "totalSimanja": 39861039.84702839, "totalSimpeda": 35915834.247028388, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.020414665610666669, "totalRateGiro": 0.025414665610666669, "totalRateSimanja": 0.04541466561066667, "totalRateSimpeda": 0.040414665610666672, "rateDeposito": 0.035, "penaltyRefund": 20135012.647028387, "penaltyTax": 5033753.1617570966, "penaltyFee": 5033753.1617570966, "penaltyTotal": 30202518.97054258, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.879524812, "puabIncome": 4476821.9155698083, "creditIncome": 72089999.963955, "spreadSimanja": 47711412.352856629, "spreadSimpeda": 52642919.352856629, "spreadGiro": 67437440.352856621, "depositoGross": 34520547 }, { "nominal": 2000000000, "tenor": 6, "cashbackGross": 16779177.216712326, "cashbackNet": 13423341.77336986, "giroNet": 3945204.8, "simanjaNet": 19726027.2, "simpedaNet": 15780821.6, "depositoNet": 27616437.6, "totalGiro": 17368546.573369861, "totalSimanja": 33149368.973369859, "totalSimpeda": 29204163.373369858, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.013609777075777773, "totalRateGiro": 0.018609777075777774, "totalRateSimanja": 0.038609777075777771, "totalRateSimpeda": 0.033609777075777773, "rateDeposito": 0.035, "penaltyRefund": 13423341.77336986, "penaltyTax": 3355835.4433424654, "penaltyFee": 3355835.443342465, "penaltyTotal": 20135012.660054792, "shareNasabah": 0.3, "shareBank": 0.7, "income": 76566821.91780822, "puabIncome": 4476821.9178082189, "creditIncome": 72090000, "spreadSimanja": 47711412.389041096, "spreadSimpeda": 52642919.389041096, "spreadGiro": 67437440.3890411, "depositoGross": 34520547 }, { "nominal": 2000000001, "tenor": 6, "cashbackGross": 16779177.228167664, "cashbackNet": 13423341.782534132, "giroNet": 3945204.8, "simanjaNet": 19726027.2, "simpedaNet": 15780821.6, "depositoNet": 27616437.6, "totalGiro": 17368546.582534131, "totalSimanja": 33149368.982534133, "totalSimpeda": 29204163.382534131, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.013609777078264438, "totalRateGiro": 0.018609777078264438, "totalRateSimanja": 0.038609777078264441, "totalRateSimpeda": 0.033609777078264437, "rateDeposito": 0.035, "penaltyRefund": 13423341.782534132, "penaltyTax": 3355835.4456335329, "penaltyFee": 3355835.4456335329, "penaltyTotal": 20135012.6738012, "shareNasabah": 0.3, "shareBank": 0.7, "income": 76566821.956091613, "puabIncome": 4476821.9200466285, "creditIncome": 72090000.036044985, "spreadSimanja": 47711412.427225552, "spreadSimpeda": 52642919.427225552, "spreadGiro": 67437440.42722556, "depositoGross": 34520547 }, { "nominal": 5000000000, "tenor": 6, "cashbackGross": 43747942.791780829, "cashbackNet": 34998354.233424664, "giroNet": 9863013.6, "simanjaNet": 49315068, "simpedaNet": 39452054.4, "depositoNet": 69041095.2, "totalGiro": 44861367.833424665, "totalSimanja": 84313422.233424664, "totalSimpeda": 74450408.63342467, "totalDeposito": 69041095.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014193776994666668, "totalRateGiro": 0.019193776994666668, "totalRateSimanja": 0.039193776994666668, "totalRateSimpeda": 0.034193776994666671, "rateDeposito": 0.035, "penaltyRefund": 34998354.233424664, "penaltyTax": 8749588.5583561659, "penaltyFee": 8749588.5583561659, "penaltyTotal": 52497531.350136995, "shareNasabah": 0.3, "shareBank": 0.7, "income": 191417054.79452056, "puabIncome": 11192054.794520546, "creditIncome": 180225000, "spreadSimanja": 125278530.97260275, "spreadSimpeda": 137607297.97260275, "spreadGiro": 174593598.97260275, "depositoGross": 86301369 }, { "nominal": 10000000000, "tenor": 6, "cashbackGross": 88695885.48356165, "cashbackNet": 70956708.386849314, "giroNet": 19726027.2, "simanjaNet": 98630136.8, "simpedaNet": 78904108.8, "depositoNet": 138082191.2, "totalGiro": 90682735.586849317, "totalSimanja": 169586845.1868493, "totalSimpeda": 149860817.1868493, "totalDeposito": 138082191.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014388443645111111, "totalRateGiro": 0.019388443645111112, "totalRateSimanja": 0.039388443645111113, "totalRateSimpeda": 0.034388443645111108, "rateDeposito": 0.035, "penaltyRefund": 70956708.386849314, "penaltyTax": 17739177.096712332, "penaltyFee": 17739177.096712328, "penaltyTotal": 106435062.58027399, "shareNasabah": 0.3, "shareBank": 0.7, "income": 382834109.58904111, "puabIncome": 22384109.589041092, "creditIncome": 360450000, "spreadSimanja": 254557060.94520551, "spreadSimpeda": 279214595.94520551, "spreadGiro": 353187197.94520551, "depositoGross": 172602739 }, { "nominal": 50000000000, "tenor": 6, "cashbackGross": 448279426.81780821, "cashbackNet": 358623541.45424658, "giroNet": 98630136.8, "simanjaNet": 493150684.8, "simpedaNet": 394520547.2, "depositoNet": 690410958.4, "totalGiro": 457253678.25424659, "totalSimanja": 851774226.25424659, "totalSimpeda": 753144088.65424657, "totalDeposito": 690410958.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014544176958977778, "totalRateGiro": 0.019544176958977779, "totalRateSimanja": 0.039544176958977779, "totalRateSimpeda": 0.034544176958977782, "rateDeposito": 0.035, "penaltyRefund": 358623541.45424658, "penaltyTax": 89655885.363561645, "penaltyFee": 89655885.363561645, "penaltyTotal": 537935312.1813699, "shareNasabah": 0.3, "shareBank": 0.7, "income": 1914170547.9452055, "puabIncome": 111920547.94520548, "creditIncome": 1802250000, "spreadSimanja": 1288785303.7260275, "spreadSimpeda": 1412072975.7260275, "spreadGiro": 1781935988.7260275, "depositoGross": 863013698 }, { "nominal": 50000000001, "tenor": 6, "cashbackGross": 442115043.32926363, "cashbackNet": 353692034.6634109, "giroNet": 147945204.8, "simanjaNet": 493150684.8, "simpedaNet": 394520547.2, "depositoNet": 690410958.4, "totalGiro": 501637239.46341091, "totalSimanja": 846842719.46341085, "totalSimpeda": 748212581.863411, "totalDeposito": 690410958.4, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014344176961062558, "totalRateGiro": 0.021844176961062556, "totalRateSimanja": 0.039344176961062557, "totalRateSimpeda": 0.03434417696106256, "rateDeposito": 0.035, "penaltyRefund": 353692034.6634109, "penaltyTax": 88423008.665852726, "penaltyFee": 88423008.665852726, "penaltyTotal": 530538051.99511635, "shareNasabah": 0.3, "shareBank": 0.7, "income": 1914170547.983489, "puabIncome": 111920547.94744387, "creditIncome": 1802250000.0360451, "spreadSimanja": 1288785303.7642121, "spreadSimpeda": 1412072975.7642121, "spreadGiro": 1720292153.7642121, "depositoGross": 863013698 }, { "nominal": 100000000000, "tenor": 6, "cashbackGross": 885430086.43561649, "cashbackNet": 708344069.14849317, "giroNet": 295890410.4, "simanjaNet": 986301369.6, "simpedaNet": 789041095.2, "depositoNet": 1380821917.6, "totalGiro": 1004234479.5484931, "totalSimanja": 1694645438.7484932, "totalSimpeda": 1497385164.3484931, "totalDeposito": 1380821917.6, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.0143636436244, "totalRateGiro": 0.0218636436244, "totalRateSimanja": 0.0393636436244, "totalRateSimpeda": 0.0343636436244, "rateDeposito": 0.035, "penaltyRefund": 708344069.14849317, "penaltyTax": 177086017.28712332, "penaltyFee": 177086017.28712329, "penaltyTotal": 1062516103.7227398, "shareNasabah": 0.3, "shareBank": 0.7, "income": 3828341095.8904109, "puabIncome": 223841095.89041096, "creditIncome": 3604500000, "spreadSimanja": 2581570607.452055, "spreadSimpeda": 2828145950.452055, "spreadGiro": 3444584306.452055, "depositoGross": 1726027397 }, { "nominal": 100000, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 0, "simpedaNet": 0, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0, "rateSimpeda": 0, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 7656.682191780822, "puabIncome": 447.68219178082188, "creditIncome": 7209, "spreadSimanja": 7436.8946389041093, "spreadSimpeda": 7436.8946389041093, "spreadGiro": 7436.8946389041093, "depositoGross": 0 }, { "nominal": 500000, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 2958.4, "simpedaNet": 1972, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 38283.410958904111, "puabIncome": 2238.4109589041095, "creditIncome": 36045, "spreadSimanja": 33486.473194520549, "spreadSimpeda": 34719.473194520549, "spreadGiro": 37184.473194520549, "depositoGross": 0 }, { "nominal": 999999, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 5917.6, "simpedaNet": 3944.8, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 76566.7453509863, "puabIncome": 4476.8174409863013, "creditIncome": 72089.92791, "spreadSimanja": 66971.8720200947, "spreadSimpeda": 69437.8720200947, "spreadGiro": 74368.8720200947, "depositoGross": 0 }, { "nominal": 1000000, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 5917.6, "simpedaNet": 3944.8, "depositoNet": 26037.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 26037.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.033, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 76566.821917808222, "puabIncome": 4476.821917808219, "creditIncome": 72090, "spreadSimanja": 66971.9463890411, "spreadSimpeda": 69437.9463890411, "spreadGiro": 74368.9463890411, "depositoGross": 32547 }, { "nominal": 10000000, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 59177.6, "simpedaNet": 39452, "depositoNet": 260383.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 260383.2, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.033, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 765668.21917808219, "puabIncome": 44768.219178082189, "creditIncome": 720900, "spreadSimanja": 669717.463890411, "spreadSimpeda": 694374.463890411, "spreadGiro": 743689.463890411, "depositoGross": 325479 }, { "nominal": 49999999, "tenor": 12, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 295890.4, "simpedaNet": 197260, "depositoNet": 1301917.6, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 1301917.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.033, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 3828341.0193235893, "puabIncome": 223841.09141358902, "creditIncome": 3604499.92791, "spreadSimanja": 3348584.2450831085, "spreadSimpeda": 3471872.2450831085, "spreadGiro": 3718447.2450831085, "depositoGross": 1627397 }, { "nominal": 50000000, "tenor": 12, "cashbackGross": 1756483.9930593607, "cashbackNet": 1405187.1944474885, "giroNet": 0, "simanjaNet": 295890.4, "simpedaNet": 197260, "depositoNet": 1301917.6, "totalGiro": 1405187.1944474885, "totalSimanja": 1701077.5944474884, "totalSimpeda": 1602447.1944474885, "totalDeposito": 1301917.6, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.028494073665185183, "totalRateGiro": 0.028494073665185183, "totalRateSimanja": 0.035994073665185186, "totalRateSimpeda": 0.033494073665185184, "rateDeposito": 0.033, "penaltyRefund": 1405187.1944474885, "penaltyTax": 351296.79861187213, "penaltyFee": 351296.79861187213, "penaltyTotal": 2107780.7916712328, "shareNasabah": 0.5, "shareBank": 0.5, "income": 3828341.0958904112, "puabIncome": 223841.09589041094, "creditIncome": 3604500, "spreadSimanja": 3348584.3194520548, "spreadSimpeda": 3471872.3194520548, "spreadGiro": 3718447.3194520548, "depositoGross": 1627397 }, { "nominal": 55000000, "tenor": 12, "cashbackGross": 1886927.1923652971, "cashbackNet": 1509541.7538922378, "giroNet": 216985.6, "simanjaNet": 325479.2, "simpedaNet": 216985.6, "depositoNet": 1432108.8, "totalGiro": 1726527.3538922379, "totalSimanja": 1835020.9538922377, "totalSimpeda": 1726527.3538922379, "totalDeposito": 1432108.8, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027827411119730645, "totalRateGiro": 0.032827411119730643, "totalRateSimanja": 0.035327411119730645, "totalRateSimpeda": 0.032827411119730643, "rateDeposito": 0.033, "penaltyRefund": 1509541.7538922378, "penaltyTax": 377385.43847305945, "penaltyFee": 377385.43847305945, "penaltyTotal": 2264312.6308383564, "shareNasabah": 0.5, "shareBank": 0.5, "income": 4211175.2054794524, "puabIncome": 246225.205479452, "creditIncome": 3964950, "spreadSimanja": 3683443.0513972607, "spreadSimpeda": 3819060.0513972607, "spreadGiro": 3819060.0513972607, "depositoGross": 1790136 }, { "nominal": 99999999, "tenor": 12, "cashbackGross": 3430776.2822675817, "cashbackNet": 2744621.0258140652, "giroNet": 394520, "simanjaNet": 591780.8, "simpedaNet": 394520, "depositoNet": 2603835.2, "totalGiro": 3139141.0258140652, "totalSimanja": 3336401.8258140655, "totalSimpeda": 3139141.0258140652, "totalDeposito": 2603835.2, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027827407901111129, "totalRateGiro": 0.032827407901111126, "totalRateSimanja": 0.035327407901111128, "totalRateSimpeda": 0.032827407901111126, "rateDeposito": 0.033, "penaltyRefund": 2744621.0258140652, "penaltyTax": 686155.25645351643, "penaltyFee": 686155.25645351631, "penaltyTotal": 4116931.5387210981, "shareNasabah": 0.5, "shareBank": 0.5, "income": 7656682.115214, "puabIncome": 447682.18730399996, "creditIncome": 7208999.92791, "spreadSimanja": 6697168.5645351633, "spreadSimpeda": 6943744.5645351633, "spreadGiro": 6943744.5645351633, "depositoGross": 3254794 }, { "nominal": 100000000, "tenor": 12, "cashbackGross": 3430776.3194520548, "cashbackNet": 2744621.055561644, "giroNet": 394520, "simanjaNet": 591780.8, "simpedaNet": 394520, "depositoNet": 2603835.2, "totalGiro": 3139141.055561644, "totalSimanja": 3336401.8555616438, "totalSimpeda": 3139141.055561644, "totalDeposito": 2603835.2, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.027827407924444447, "totalRateGiro": 0.032827407924444447, "totalRateSimanja": 0.035327407924444443, "totalRateSimpeda": 0.032827407924444447, "rateDeposito": 0.033, "penaltyRefund": 2744621.055561644, "penaltyTax": 686155.263890411, "penaltyFee": 686155.263890411, "penaltyTotal": 4116931.5833424656, "shareNasabah": 0.5, "shareBank": 0.5, "income": 7656682.1917808224, "puabIncome": 447682.19178082189, "creditIncome": 7209000, "spreadSimanja": 6697168.63890411, "spreadSimpeda": 6943744.63890411, "spreadGiro": 6943744.63890411, "depositoGross": 3254794 }, { "nominal": 100000001, "tenor": 12, "cashbackGross": 3348584.5233031944, "cashbackNet": 2678867.6186425555, "giroNet": 394520, "simanjaNet": 789040.8, "simpedaNet": 591780.8, "depositoNet": 2643287.2, "totalGiro": 3073387.6186425555, "totalSimanja": 3467908.4186425554, "totalSimpeda": 3270648.4186425554, "totalDeposito": 2643287.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027160740861851832, "totalRateGiro": 0.032160740861851833, "totalRateSimanja": 0.037160740861851831, "totalRateSimpeda": 0.034660740861851835, "rateDeposito": 0.0335, "penaltyRefund": 2678867.6186425555, "penaltyTax": 669716.90466063889, "penaltyFee": 669716.90466063889, "penaltyTotal": 4018301.4279638333, "shareNasabah": 0.5, "shareBank": 0.5, "income": 7656682.2683476433, "puabIncome": 447682.19625764375, "creditIncome": 7209000.07209, "spreadSimanja": 6450593.7132730559, "spreadSimpeda": 6697168.7132730559, "spreadGiro": 6943744.7132730559, "depositoGross": 3304109 }, { "nominal": 150000000, "tenor": 12, "cashbackGross": 5022876.4791780822, "cashbackNet": 4018301.1833424657, "giroNet": 591780.8, "simanjaNet": 1183561.6, "simpedaNet": 887671.2, "depositoNet": 3964931.2, "totalGiro": 4610081.9833424659, "totalSimanja": 5201862.7833424658, "totalSimpeda": 4905972.3833424654, "totalDeposito": 3964931.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027160739479999998, "totalRateGiro": 0.03216073948, "totalRateSimanja": 0.037160739479999996, "totalRateSimpeda": 0.034660739479999994, "rateDeposito": 0.0335, "penaltyRefund": 4018301.1833424657, "penaltyTax": 1004575.2958356165, "penaltyFee": 1004575.2958356164, "penaltyTotal": 6027451.7750136983, "shareNasabah": 0.5, "shareBank": 0.5, "income": 11485023.287671233, "puabIncome": 671523.28767123283, "creditIncome": 10813500, "spreadSimanja": 9675889.9583561644, "spreadSimpeda": 10045752.958356164, "spreadGiro": 10415615.958356164, "depositoGross": 4956164 }, { "nominal": 250000000, "tenor": 12, "cashbackGross": 8371460.965296804, "cashbackNet": 6697168.7722374434, "giroNet": 986300.8, "simanjaNet": 1972602.4, "simpedaNet": 1479452, "depositoNet": 6608218.4, "totalGiro": 7683469.5722374432, "totalSimanja": 8669771.1722374428, "totalSimpeda": 8176620.7722374434, "totalDeposito": 6608218.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027160740020740742, "totalRateGiro": 0.032160740020740743, "totalRateSimanja": 0.03716074002074074, "totalRateSimpeda": 0.034660740020740738, "rateDeposito": 0.0335, "penaltyRefund": 6697168.7722374434, "penaltyTax": 1674292.1930593608, "penaltyFee": 1674292.1930593608, "penaltyTotal": 10045753.158356166, "shareNasabah": 0.5, "shareBank": 0.5, "income": 19141705.479452055, "puabIncome": 1119205.4794520547, "creditIncome": 18022500, "spreadSimanja": 16126483.597260274, "spreadSimpeda": 16742921.597260274, "spreadGiro": 17359360.597260274, "depositoGross": 8260273 }, { "nominal": 250000001, "tenor": 12, "cashbackGross": 7534314.90223315, "cashbackNet": 6027451.92178652, "giroNet": 986300.8, "simanjaNet": 1972602.4, "simpedaNet": 1479452, "depositoNet": 6706848.8, "totalGiro": 7013752.7217865195, "totalSimanja": 8000054.3217865191, "totalSimpeda": 7506903.92178652, "totalDeposito": 6706848.8, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024444666029466666, "totalRateGiro": 0.029444666029466667, "totalRateSimanja": 0.034444666029466664, "totalRateSimpeda": 0.031944666029466662, "rateDeposito": 0.034, "penaltyRefund": 6027451.92178652, "penaltyTax": 1506862.9804466302, "penaltyFee": 1506862.98044663, "penaltyTotal": 9041177.88267978, "shareNasabah": 0.45, "shareBank": 0.55, "income": 19141705.556018878, "puabIncome": 1119205.4839288767, "creditIncome": 18022500.07209, "spreadSimanja": 16126483.671629222, "spreadSimpeda": 16742921.671629222, "spreadGiro": 17359360.67162922, "depositoGross": 8383561 }, { "nominal": 300000000, "tenor": 12, "cashbackGross": 9041177.6625205483, "cashbackNet": 7232942.1300164387, "giroNet": 1183561.6, "simanjaNet": 2367123.2, "simpedaNet": 1775342.4, "depositoNet": 8048218.4, "totalGiro": 8416503.7300164383, "totalSimanja": 9600065.3300164379, "totalSimpeda": 9008284.530016439, "totalDeposito": 8048218.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024444665532, "totalRateGiro": 0.029444665532, "totalRateSimanja": 0.034444665532, "totalRateSimpeda": 0.031944665532, "rateDeposito": 0.034, "penaltyRefund": 7232942.1300164387, "penaltyTax": 1808235.5325041097, "penaltyFee": 1808235.5325041097, "penaltyTotal": 10849413.195024658, "shareNasabah": 0.45, "shareBank": 0.55, "income": 22970046.575342465, "puabIncome": 1343046.5753424657, "creditIncome": 21627000, "spreadSimanja": 19351779.916712329, "spreadSimpeda": 20091505.916712329, "spreadGiro": 20831231.916712329, "depositoGross": 10060273 }, { "nominal": 499999999, "tenor": 12, "cashbackGross": 15068629.554068221, "cashbackNet": 12054903.643254576, "giroNet": 1972602.4, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 13413698.4, "totalGiro": 14027506.043254577, "totalSimanja": 16000108.443254575, "totalSimpeda": 15013807.643254576, "totalDeposito": 13413698.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.02444466576993333, "totalRateGiro": 0.029444665769933331, "totalRateSimanja": 0.034444665769933332, "totalRateSimpeda": 0.031944665769933329, "rateDeposito": 0.034, "penaltyRefund": 12054903.643254576, "penaltyTax": 3013725.9108136445, "penaltyFee": 3013725.9108136441, "penaltyTotal": 18082355.464881863, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.882337287, "puabIncome": 2238410.9544272874, "creditIncome": 36044999.92791, "spreadSimanja": 32252967.1201516, "spreadSimpeda": 33485843.1201516, "spreadGiro": 34718720.1201516, "depositoGross": 16767123 }, { "nominal": 500000000, "tenor": 12, "cashbackGross": 15068629.587534247, "cashbackNet": 12054903.670027398, "giroNet": 1972602.4, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 13413698.4, "totalGiro": 14027506.070027398, "totalSimanja": 16000108.470027398, "totalSimpeda": 15013807.670027398, "totalDeposito": 13413698.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024444665775333333, "totalRateGiro": 0.029444665775333334, "totalRateSimanja": 0.034444665775333332, "totalRateSimpeda": 0.031944665775333336, "rateDeposito": 0.034, "penaltyRefund": 12054903.670027398, "penaltyTax": 3013725.9175068494, "penaltyFee": 3013725.9175068494, "penaltyTotal": 18082355.505041096, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283410.95890411, "puabIncome": 2238410.9589041094, "creditIncome": 36045000, "spreadSimanja": 32252967.194520548, "spreadSimpeda": 33485843.194520548, "spreadGiro": 34718720.194520548, "depositoGross": 16767123 }, { "nominal": 500000001, "tenor": 12, "cashbackGross": 13774109.071000272, "cashbackNet": 11019287.256800218, "giroNet": 1972602.4, "simanjaNet": 7890410.4, "simpedaNet": 5917808, "depositoNet": 13808219.2, "totalGiro": 12991889.656800218, "totalSimanja": 18909697.656800218, "totalSimpeda": 16937095.256800219, "totalDeposito": 13808219.2, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022344665781599996, "totalRateGiro": 0.027344665781599997, "totalRateSimanja": 0.0423446657816, "totalRateSimpeda": 0.037344665781599992, "rateDeposito": 0.035, "penaltyRefund": 11019287.256800218, "penaltyTax": 2754821.8142000549, "penaltyFee": 2754821.8142000544, "penaltyTotal": 16528930.885200327, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283411.035470933, "puabIncome": 2238410.9633809309, "creditIncome": 36045000.07209, "spreadSimanja": 27321460.268889494, "spreadSimpeda": 29787213.268889494, "spreadGiro": 34718720.268889494, "depositoGross": 17260274 }, { "nominal": 750000000, "tenor": 12, "cashbackGross": 20661163.406301368, "cashbackNet": 16528930.725041095, "giroNet": 2958904, "simanjaNet": 11835616, "simpedaNet": 8876712, "depositoNet": 20712328, "totalGiro": 19487834.725041095, "totalSimanja": 28364546.725041095, "totalSimpeda": 25405642.725041095, "totalDeposito": 20712328, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022344665609777777, "totalRateGiro": 0.027344665609777778, "totalRateSimanja": 0.042344665609777773, "totalRateSimpeda": 0.037344665609777776, "rateDeposito": 0.035, "penaltyRefund": 16528930.725041095, "penaltyTax": 4132232.6812602738, "penaltyFee": 4132232.6812602738, "penaltyTotal": 24793396.087561641, "shareNasabah": 0.45, "shareBank": 0.55, "income": 57425116.438356161, "puabIncome": 3357616.4383561639, "creditIncome": 54067500, "spreadSimanja": 40982189.791780815, "spreadSimpeda": 44680819.791780815, "spreadGiro": 52078079.791780815, "depositoGross": 25890410 }, { "nominal": 999999999, "tenor": 12, "cashbackGross": 27548217.891602468, "cashbackNet": 22038574.313281976, "giroNet": 3945204.8, "simanjaNet": 15780821.6, "simpedaNet": 11835616, "depositoNet": 27616437.6, "totalGiro": 25983779.113281976, "totalSimanja": 37819395.913281977, "totalSimpeda": 33874190.313281976, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022344665645533335, "totalRateGiro": 0.027344665645533336, "totalRateSimanja": 0.042344665645533339, "totalRateSimpeda": 0.037344665645533334, "rateDeposito": 0.035, "penaltyRefund": 22038574.313281976, "penaltyTax": 5509643.5783204939, "penaltyFee": 5509643.5783204939, "penaltyTotal": 33057861.469922967, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.84124139, "puabIncome": 4476821.9133313969, "creditIncome": 72089999.92791, "spreadSimanja": 54642919.314672142, "spreadSimpeda": 59574426.314672142, "spreadGiro": 69437440.314672142, "depositoGross": 34520547 }, { "nominal": 1000000000, "tenor": 12, "cashbackGross": 27548217.925068494, "cashbackNet": 22038574.340054795, "giroNet": 3945204.8, "simanjaNet": 15780821.6, "simpedaNet": 11835616, "depositoNet": 27616437.6, "totalGiro": 25983779.140054796, "totalSimanja": 37819395.9400548, "totalSimpeda": 33874190.340054795, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022344665650333332, "totalRateGiro": 0.027344665650333333, "totalRateSimanja": 0.042344665650333332, "totalRateSimpeda": 0.037344665650333328, "rateDeposito": 0.035, "penaltyRefund": 22038574.340054795, "penaltyTax": 5509643.5850136988, "penaltyFee": 5509643.5850136988, "penaltyTotal": 33057861.510082193, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.91780822, "puabIncome": 4476821.9178082189, "creditIncome": 72090000, "spreadSimanja": 54642919.389041096, "spreadSimpeda": 59574426.389041096, "spreadGiro": 69437440.3890411, "depositoGross": 34520547 }, { "nominal": 1000000001, "tenor": 12, "cashbackGross": 26068765.858534515, "cashbackNet": 20855012.686827611, "giroNet": 3945204.8, "simanjaNet": 19726027.2, "simpedaNet": 15780821.6, "depositoNet": 27616437.6, "totalGiro": 24800217.486827612, "totalSimanja": 40581039.88682761, "totalSimpeda": 36635834.286827609, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021144665619666662, "totalRateGiro": 0.026144665619666663, "totalRateSimanja": 0.046144665619666667, "totalRateSimpeda": 0.041144665619666662, "rateDeposito": 0.035, "penaltyRefund": 20855012.686827611, "penaltyTax": 5213753.1717069037, "penaltyFee": 5213753.1717069028, "penaltyTotal": 31282519.030241419, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.994375035, "puabIncome": 4476821.9222850408, "creditIncome": 72090000.07209, "spreadSimanja": 49711412.463410035, "spreadSimpeda": 54642919.463410035, "spreadGiro": 69437440.463410035, "depositoGross": 34520547 }, { "nominal": 1500000000, "tenor": 12, "cashbackGross": 39103148.512602739, "cashbackNet": 31282518.81008219, "giroNet": 5917808, "simanjaNet": 29589040.8, "simpedaNet": 23671232.8, "depositoNet": 41424656.8, "totalGiro": 37200326.81008219, "totalSimanja": 60871559.610082194, "totalSimpeda": 54953751.610082194, "totalDeposito": 41424656.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021144665491999996, "totalRateGiro": 0.026144665491999997, "totalRateSimanja": 0.046144665492, "totalRateSimpeda": 0.041144665491999993, "rateDeposito": 0.035, "penaltyRefund": 31282518.81008219, "penaltyTax": 7820629.7025205484, "penaltyFee": 7820629.7025205474, "penaltyTotal": 46923778.215123288, "shareNasabah": 0.45, "shareBank": 0.55, "income": 114850232.87671232, "puabIncome": 6715232.8767123278, "creditIncome": 108135000, "spreadSimanja": 74567118.583561629, "spreadSimpeda": 81964378.583561629, "spreadGiro": 104156159.58356163, "depositoGross": 51780821 }, { "nominal": 1999999999, "tenor": 12, "cashbackGross": 52137531.46667096, "cashbackNet": 41710025.173336767, "giroNet": 7890410.4, "simanjaNet": 39452054.4, "simpedaNet": 31561643.2, "depositoNet": 55232876, "totalGiro": 49600435.573336765, "totalSimanja": 81162079.573336765, "totalSimpeda": 73271668.373336762, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021144665549833332, "totalRateGiro": 0.026144665549833333, "totalRateSimanja": 0.046144665549833333, "totalRateSimpeda": 0.041144665549833329, "rateDeposito": 0.035, "penaltyRefund": 41710025.173336767, "penaltyTax": 10427506.293334194, "penaltyFee": 10427506.293334192, "penaltyTotal": 62565037.760005154, "shareNasabah": 0.45, "shareBank": 0.55, "income": 153133643.75904962, "puabIncome": 8953643.8311396167, "creditIncome": 144179999.92791, "spreadSimanja": 99422824.703713253, "spreadSimpeda": 109285838.70371325, "spreadGiro": 138874879.70371324, "depositoGross": 69041095 }, { "nominal": 2000000000, "tenor": 12, "cashbackGross": 34758354.333424658, "cashbackNet": 27806683.466739725, "giroNet": 7890410.4, "simanjaNet": 39452054.4, "simpedaNet": 31561643.2, "depositoNet": 55232876, "totalGiro": 35697093.866739728, "totalSimanja": 67258737.86673972, "totalSimpeda": 59368326.666739725, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014096443701888887, "totalRateGiro": 0.019096443701888888, "totalRateSimanja": 0.039096443701888889, "totalRateSimpeda": 0.034096443701888884, "rateDeposito": 0.035, "penaltyRefund": 27806683.466739725, "penaltyTax": 6951670.8666849323, "penaltyFee": 6951670.8666849313, "penaltyTotal": 41710025.200109586, "shareNasabah": 0.3, "shareBank": 0.7, "income": 153133643.83561644, "puabIncome": 8953643.8356164377, "creditIncome": 144180000, "spreadSimanja": 99422824.778082192, "spreadSimpeda": 109285838.77808219, "spreadGiro": 138874879.77808219, "depositoGross": 69041095 }, { "nominal": 2000000001, "tenor": 12, "cashbackGross": 34758354.356335334, "cashbackNet": 27806683.485068269, "giroNet": 7890410.4, "simanjaNet": 39452054.4, "simpedaNet": 31561643.2, "depositoNet": 55232876, "totalGiro": 35697093.885068268, "totalSimanja": 67258737.885068268, "totalSimpeda": 59368326.685068265, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.01409644370413222, "totalRateGiro": 0.019096443704132219, "totalRateSimanja": 0.039096443704132219, "totalRateSimpeda": 0.034096443704132222, "rateDeposito": 0.035, "penaltyRefund": 27806683.485068269, "penaltyTax": 6951670.8712670673, "penaltyFee": 6951670.8712670673, "penaltyTotal": 41710025.2276024, "shareNasabah": 0.3, "shareBank": 0.7, "income": 153133643.91218323, "puabIncome": 8953643.8400932569, "creditIncome": 144180000.07208997, "spreadSimanja": 99422824.8544511, "spreadSimpeda": 109285838.8544511, "spreadGiro": 138874879.85445109, "depositoGross": 69041095 }, { "nominal": 5000000000, "tenor": 12, "cashbackGross": 88695885.48356165, "cashbackNet": 70956708.386849314, "giroNet": 19726027.2, "simanjaNet": 98630136.8, "simpedaNet": 78904108.8, "depositoNet": 138082191.2, "totalGiro": 90682735.586849317, "totalSimanja": 169586845.1868493, "totalSimpeda": 149860817.1868493, "totalDeposito": 138082191.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014388443645111111, "totalRateGiro": 0.019388443645111112, "totalRateSimanja": 0.039388443645111113, "totalRateSimpeda": 0.034388443645111108, "rateDeposito": 0.035, "penaltyRefund": 70956708.386849314, "penaltyTax": 17739177.096712332, "penaltyFee": 17739177.096712328, "penaltyTotal": 106435062.58027399, "shareNasabah": 0.3, "shareBank": 0.7, "income": 382834109.58904111, "puabIncome": 22384109.589041092, "creditIncome": 360450000, "spreadSimanja": 254557060.94520551, "spreadSimpeda": 279214595.94520551, "spreadGiro": 353187197.94520551, "depositoGross": 172602739 }, { "nominal": 10000000000, "tenor": 12, "cashbackGross": 178591770.86712334, "cashbackNet": 142873416.69369867, "giroNet": 39452054.4, "simanjaNet": 197260273.6, "simpedaNet": 157808218.4, "depositoNet": 276164383.2, "totalGiro": 182325471.09369868, "totalSimanja": 340133690.29369867, "totalSimpeda": 300681635.09369868, "totalDeposito": 276164383.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014485776970333337, "totalRateGiro": 0.019485776970333338, "totalRateSimanja": 0.039485776970333342, "totalRateSimpeda": 0.034485776970333337, "rateDeposito": 0.035, "penaltyRefund": 142873416.69369867, "penaltyTax": 35718354.173424669, "penaltyFee": 35718354.173424669, "penaltyTotal": 214310125.040548, "shareNasabah": 0.3, "shareBank": 0.7, "income": 765668219.17808223, "puabIncome": 44768219.178082183, "creditIncome": 720900000, "spreadSimanja": 513114121.890411, "spreadSimpeda": 562429190.890411, "spreadGiro": 710374395.890411, "depositoGross": 345205479 }, { "nominal": 50000000000, "tenor": 12, "cashbackGross": 897758853.53561652, "cashbackNet": 718207082.82849324, "giroNet": 197260273.6, "simanjaNet": 986301369.6, "simpedaNet": 789041095.2, "depositoNet": 1380821917.6, "totalGiro": 915467356.42849326, "totalSimanja": 1704508452.4284933, "totalSimpeda": 1507248178.0284934, "totalDeposito": 1380821917.6, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014563643624022224, "totalRateGiro": 0.019563643624022225, "totalRateSimanja": 0.039563643624022225, "totalRateSimpeda": 0.034563643624022228, "rateDeposito": 0.035, "penaltyRefund": 718207082.82849324, "penaltyTax": 179551770.70712331, "penaltyFee": 179551770.70712331, "penaltyTotal": 1077310624.24274, "shareNasabah": 0.3, "shareBank": 0.7, "income": 3828341095.8904109, "puabIncome": 223841095.89041096, "creditIncome": 3604500000, "spreadSimanja": 2581570607.452055, "spreadSimpeda": 2828145950.452055, "spreadGiro": 3567871977.452055, "depositoGross": 1726027397 }, { "nominal": 50000000001, "tenor": 12, "cashbackGross": 885430086.45852721, "cashbackNet": 708344069.16682172, "giroNet": 295890410.4, "simanjaNet": 986301369.6, "simpedaNet": 789041095.2, "depositoNet": 1380821917.6, "totalGiro": 1004234479.5668217, "totalSimanja": 1694645438.7668219, "totalSimpeda": 1497385164.3668218, "totalDeposito": 1380821917.6, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.01436364362448439, "totalRateGiro": 0.02186364362448439, "totalRateSimanja": 0.039363643624484392, "totalRateSimpeda": 0.034363643624484394, "rateDeposito": 0.035, "penaltyRefund": 708344069.16682172, "penaltyTax": 177086017.29170546, "penaltyFee": 177086017.29170543, "penaltyTotal": 1062516103.7502327, "shareNasabah": 0.3, "shareBank": 0.7, "income": 3828341095.9669781, "puabIncome": 223841095.89488775, "creditIncome": 3604500000.07209, "spreadSimanja": 2581570607.5284243, "spreadSimpeda": 2828145950.5284243, "spreadGiro": 3444584306.5284243, "depositoGross": 1726027397 }, { "nominal": 100000000000, "tenor": 12, "cashbackGross": 1772060172.6712329, "cashbackNet": 1417648138.1369863, "giroNet": 591780821.6, "simanjaNet": 1972602739.2, "simpedaNet": 1578082191.2, "depositoNet": 2761643835.2, "totalGiro": 2009428959.7369862, "totalSimanja": 3390250877.3369865, "totalSimpeda": 2995730329.3369865, "totalDeposito": 2761643835.2, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014373376956111109, "totalRateGiro": 0.021873376956111107, "totalRateSimanja": 0.039373376956111109, "totalRateSimpeda": 0.034373376956111111, "rateDeposito": 0.035, "penaltyRefund": 1417648138.1369863, "penaltyTax": 354412034.53424662, "penaltyFee": 354412034.53424656, "penaltyTotal": 2126472207.2054796, "shareNasabah": 0.3, "shareBank": 0.7, "income": 7656682191.7808218, "puabIncome": 447682191.78082192, "creditIncome": 7209000000, "spreadSimanja": 5167141214.90411, "spreadSimpeda": 5660291899.90411, "spreadGiro": 6893168611.90411, "depositoGross": 3452054794 }, { "nominal": 100000, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 0, "simpedaNet": 0, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0, "rateSimpeda": 0, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 15313.364383561644, "puabIncome": 895.36438356164376, "creditIncome": 14418, "spreadSimanja": 15073.789277808219, "spreadSimpeda": 15073.789277808219, "spreadGiro": 15073.789277808219, "depositoGross": 0 }, { "nominal": 500000, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 5917.6, "simpedaNet": 3944.8, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 76566.821917808222, "puabIncome": 4476.821917808219, "creditIncome": 72090, "spreadSimanja": 67971.9463890411, "spreadSimpeda": 70437.9463890411, "spreadGiro": 75368.9463890411, "depositoGross": 0 }, { "nominal": 999999, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 11835.2, "simpedaNet": 7890.4, "depositoNet": 0, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 0, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 153133.49070197259, "puabIncome": 8953.6348819726027, "creditIncome": 144179.85582, "spreadSimanja": 135943.74204018939, "spreadSimpeda": 140874.74204018939, "spreadGiro": 150737.74204018939, "depositoGross": 0 }, { "nominal": 1000000, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 11835.2, "simpedaNet": 7890.4, "depositoNet": 53654.4, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 53654.4, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 153133.64383561644, "puabIncome": 8953.6438356164381, "creditIncome": 144180, "spreadSimanja": 135943.8927780822, "spreadSimpeda": 140874.8927780822, "spreadGiro": 150737.8927780822, "depositoGross": 67068 }, { "nominal": 10000000, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 118356, "simpedaNet": 78904, "depositoNet": 536547.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 536547.2, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 1531336.4383561644, "puabIncome": 89536.438356164377, "creditIncome": 1441800, "spreadSimanja": 1359433.9277808219, "spreadSimpeda": 1408748.9277808219, "spreadGiro": 1507378.9277808219, "depositoGross": 670684 }, { "nominal": 49999999, "tenor": 24, "cashbackGross": null, "cashbackNet": null, "giroNet": 0, "simanjaNet": 591780.8, "simpedaNet": 394520, "depositoNet": 2682739.2, "totalGiro": null, "totalSimanja": null, "totalSimpeda": null, "totalDeposito": 2682739.2, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": null, "totalRateGiro": null, "totalRateSimanja": null, "totalRateSimpeda": null, "rateDeposito": 0.034, "penaltyRefund": null, "penaltyTax": null, "penaltyFee": null, "penaltyTotal": null, "shareNasabah": null, "shareBank": null, "income": 7656682.0386471786, "puabIncome": 447682.18282717804, "creditIncome": 7208999.85582, "spreadSimanja": 6797168.4881662168, "spreadSimpeda": 7043744.4881662177, "spreadGiro": 7536894.4881662177, "depositoGross": 3353424 }, { "nominal": 50000000, "tenor": 24, "cashbackGross": 3562967.9861187213, "cashbackNet": 2850374.388894977, "giroNet": 0, "simanjaNet": 591780.8, "simpedaNet": 394520, "depositoNet": 2682739.2, "totalGiro": 2850374.388894977, "totalSimanja": 3442155.1888949769, "totalSimpeda": 3244894.388894977, "totalDeposito": 2682739.2, "rateGiro": 0, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.028899629220740738, "totalRateGiro": 0.028899629220740738, "totalRateSimanja": 0.036399629220740734, "totalRateSimpeda": 0.033899629220740739, "rateDeposito": 0.034, "penaltyRefund": 2850374.388894977, "penaltyTax": 712593.59722374426, "penaltyFee": 712593.59722374426, "penaltyTotal": 4275561.5833424656, "shareNasabah": 0.5, "shareBank": 0.5, "income": 7656682.1917808224, "puabIncome": 447682.19178082189, "creditIncome": 7209000, "spreadSimanja": 6797168.63890411, "spreadSimpeda": 7043744.63890411, "spreadGiro": 7536894.63890411, "depositoGross": 3353424 }, { "nominal": 55000000, "tenor": 24, "cashbackGross": 3828854.0513972607, "cashbackNet": 3063083.2411178085, "giroNet": 433972, "simanjaNet": 650958.4, "simpedaNet": 433972, "depositoNet": 2951013.6, "totalGiro": 3497055.2411178085, "totalSimanja": 3714041.6411178084, "totalSimpeda": 3497055.2411178085, "totalDeposito": 2951013.6, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.02823296421737374, "totalRateGiro": 0.033232964217373741, "totalRateSimanja": 0.035732964217373736, "totalRateSimpeda": 0.033232964217373741, "rateDeposito": 0.034, "penaltyRefund": 3063083.2411178085, "penaltyTax": 765770.81027945224, "penaltyFee": 765770.81027945213, "penaltyTotal": 4594624.8616767125, "shareNasabah": 0.5, "shareBank": 0.5, "income": 8422350.4109589048, "puabIncome": 492450.410958904, "creditIncome": 7929900, "spreadSimanja": 7476886.1027945215, "spreadSimpeda": 7748119.1027945215, "spreadGiro": 7748119.1027945215, "depositoGross": 3688767 }, { "nominal": 99999999, "tenor": 24, "cashbackGross": 6961552.23020183, "cashbackNet": 5569241.7841614643, "giroNet": 789040.8, "simanjaNet": 1183561.6, "simpedaNet": 789040.8, "depositoNet": 5365479.2, "totalGiro": 6358282.5841614641, "totalSimanja": 6752803.3841614649, "totalSimpeda": 6358282.5841614641, "totalDeposito": 5365479.2, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.02823296210481482, "totalRateGiro": 0.033232962104814821, "totalRateSimanja": 0.035732962104814817, "totalRateSimpeda": 0.033232962104814821, "rateDeposito": 0.034, "penaltyRefund": 5569241.7841614643, "penaltyTax": 1392310.4460403661, "penaltyFee": 1392310.4460403661, "penaltyTotal": 8353862.676242196, "shareNasabah": 0.5, "shareBank": 0.5, "income": 15313364.230428, "puabIncome": 895364.37460799993, "creditIncome": 14417999.85582, "spreadSimanja": 13594337.127070328, "spreadSimpeda": 14087488.127070326, "spreadGiro": 14087488.127070326, "depositoGross": 6706849 }, { "nominal": 100000000, "tenor": 24, "cashbackGross": 6961552.3055707766, "cashbackNet": 5569241.8444566214, "giroNet": 789040.8, "simanjaNet": 1183561.6, "simpedaNet": 789040.8, "depositoNet": 5365479.2, "totalGiro": 6358282.6444566213, "totalSimanja": 6752803.444456622, "totalSimpeda": 6358282.6444566213, "totalDeposito": 5365479.2, "rateGiro": 0.005, "rateSimanja": 0.0075, "rateSimpeda": 0.005, "equiv": 0.028232962128148152, "totalRateGiro": 0.03323296212814815, "totalRateSimanja": 0.035732962128148152, "totalRateSimpeda": 0.03323296212814815, "rateDeposito": 0.034, "penaltyRefund": 5569241.8444566214, "penaltyTax": 1392310.4611141554, "penaltyFee": 1392310.4611141554, "penaltyTotal": 8353862.7666849317, "shareNasabah": 0.5, "shareBank": 0.5, "income": 15313364.383561645, "puabIncome": 895364.38356164377, "creditIncome": 14418000, "spreadSimanja": 13594337.277808219, "spreadSimpeda": 14087488.277808219, "spreadGiro": 14087488.277808219, "depositoGross": 6706849 }, { "nominal": 100000001, "tenor": 24, "cashbackGross": 6797168.8809397221, "cashbackNet": 5437735.1047517778, "giroNet": 789040.8, "simanjaNet": 1578081.6, "simpedaNet": 1183561.6, "depositoNet": 5444383.2, "totalGiro": 6226775.9047517776, "totalSimanja": 7015816.7047517784, "totalSimpeda": 6621296.7047517784, "totalDeposito": 5444383.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027566295741481471, "totalRateGiro": 0.032566295741481469, "totalRateSimanja": 0.037566295741481473, "totalRateSimpeda": 0.035066295741481471, "rateDeposito": 0.0345, "penaltyRefund": 5437735.1047517778, "penaltyTax": 1359433.7761879445, "penaltyFee": 1359433.7761879445, "penaltyTotal": 8156602.6571276663, "shareNasabah": 0.5, "shareBank": 0.5, "income": 15313364.536695287, "puabIncome": 895364.3925152875, "creditIncome": 14418000.14418, "spreadSimanja": 13101187.428546112, "spreadSimpeda": 13594337.42854611, "spreadGiro": 14087488.42854611, "depositoGross": 6805479 }, { "nominal": 150000000, "tenor": 24, "cashbackGross": 10195752.958356164, "cashbackNet": 8156602.3666849313, "giroNet": 1183561.6, "simanjaNet": 2367123.2, "simpedaNet": 1775342.4, "depositoNet": 8166575.2, "totalGiro": 9340163.9666849319, "totalSimanja": 10523725.566684932, "totalSimpeda": 9931944.76668493, "totalDeposito": 8166575.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027566295035555553, "totalRateGiro": 0.032566295035555554, "totalRateSimanja": 0.037566295035555551, "totalRateSimpeda": 0.035066295035555556, "rateDeposito": 0.0345, "penaltyRefund": 8156602.3666849313, "penaltyTax": 2039150.5916712331, "penaltyFee": 2039150.5916712328, "penaltyTotal": 12234903.550027397, "shareNasabah": 0.5, "shareBank": 0.5, "income": 22970046.575342465, "puabIncome": 1343046.5753424657, "creditIncome": 21627000, "spreadSimanja": 19651779.916712329, "spreadSimpeda": 20391505.916712329, "spreadGiro": 21131231.916712329, "depositoGross": 10208219 }, { "nominal": 250000000, "tenor": 24, "cashbackGross": 16992921.763926942, "cashbackNet": 13594337.411141554, "giroNet": 1972602.4, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 13610958.4, "totalGiro": 15566939.811141554, "totalSimanja": 17539542.211141553, "totalSimpeda": 16553241.411141554, "totalDeposito": 13610958.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.027566295305925928, "totalRateGiro": 0.032566295305925926, "totalRateSimanja": 0.03756629530592593, "totalRateSimpeda": 0.035066295305925928, "rateDeposito": 0.0345, "penaltyRefund": 13594337.411141554, "penaltyTax": 3398584.3527853885, "penaltyFee": 3398584.3527853885, "penaltyTotal": 20391506.116712332, "shareNasabah": 0.5, "shareBank": 0.5, "income": 38283410.95890411, "puabIncome": 2238410.9589041094, "creditIncome": 36045000, "spreadSimanja": 32752967.194520548, "spreadSimpeda": 33985843.194520548, "spreadGiro": 35218720.194520548, "depositoGross": 17013698 }, { "nominal": 250000001, "tenor": 24, "cashbackGross": 15293629.655366302, "cashbackNet": 12234903.724293042, "giroNet": 1972602.4, "simanjaNet": 3945204.8, "simpedaNet": 2958904, "depositoNet": 13808219.2, "totalGiro": 14207506.124293042, "totalSimanja": 16180108.524293043, "totalSimpeda": 15193807.724293042, "totalDeposito": 13808219.2, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024809665786133337, "totalRateGiro": 0.029809665786133338, "totalRateSimanja": 0.034809665786133336, "totalRateSimpeda": 0.03230966578613334, "rateDeposito": 0.035, "penaltyRefund": 12234903.724293042, "penaltyTax": 3058725.9310732605, "penaltyFee": 3058725.9310732605, "penaltyTotal": 18352355.586439561, "shareNasabah": 0.45, "shareBank": 0.55, "income": 38283411.112037756, "puabIncome": 2238410.9678577534, "creditIncome": 36045000.14418, "spreadSimanja": 32752967.345258445, "spreadSimpeda": 33985843.345258445, "spreadGiro": 35218720.345258445, "depositoGross": 17260274 }, { "nominal": 300000000, "tenor": 24, "cashbackGross": 18352355.325041097, "cashbackNet": 14681884.260032877, "giroNet": 2367123.2, "simanjaNet": 4734246.4, "simpedaNet": 3550684.8, "depositoNet": 16569862.4, "totalGiro": 17049007.460032877, "totalSimanja": 19416130.660032876, "totalSimpeda": 18232569.060032878, "totalDeposito": 16569862.4, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024809665531999998, "totalRateGiro": 0.029809665532, "totalRateSimanja": 0.034809665531999996, "totalRateSimpeda": 0.032309665532, "rateDeposito": 0.035, "penaltyRefund": 14681884.260032877, "penaltyTax": 3670471.0650082193, "penaltyFee": 3670471.0650082193, "penaltyTotal": 22022826.390049316, "shareNasabah": 0.45, "shareBank": 0.55, "income": 45940093.15068493, "puabIncome": 2686093.1506849313, "creditIncome": 43254000, "spreadSimanja": 39303559.833424658, "spreadSimpeda": 40783011.833424658, "spreadGiro": 42262463.833424658, "depositoGross": 20712328 }, { "nominal": 499999999, "tenor": 24, "cashbackGross": 30587258.957236439, "cashbackNet": 24469807.16578915, "giroNet": 3945204.8, "simanjaNet": 7890410.4, "simpedaNet": 5917808, "depositoNet": 27616437.6, "totalGiro": 28415011.96578915, "totalSimanja": 32360217.565789148, "totalSimpeda": 30387615.16578915, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024809665648266664, "totalRateGiro": 0.029809665648266665, "totalRateSimanja": 0.034809665648266666, "totalRateSimpeda": 0.032309665648266664, "rateDeposito": 0.035, "penaltyRefund": 24469807.16578915, "penaltyTax": 6117451.7914472884, "penaltyFee": 6117451.7914472874, "penaltyTotal": 36704710.748683728, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.764674574, "puabIncome": 4476821.9088545749, "creditIncome": 72089999.85582, "spreadSimanja": 65505933.2383032, "spreadSimpeda": 67971686.2383032, "spreadGiro": 70437440.2383032, "depositoGross": 34520547 }, { "nominal": 500000000, "tenor": 24, "cashbackGross": 30587259.025068495, "cashbackNet": 24469807.220054798, "giroNet": 3945204.8, "simanjaNet": 7890410.4, "simpedaNet": 5917808, "depositoNet": 27616437.6, "totalGiro": 28415012.0200548, "totalSimanja": 32360217.620054796, "totalSimpeda": 30387615.220054798, "totalDeposito": 27616437.6, "rateGiro": 0.005, "rateSimanja": 0.01, "rateSimpeda": 0.0075, "equiv": 0.024809665653666668, "totalRateGiro": 0.029809665653666668, "totalRateSimanja": 0.034809665653666666, "totalRateSimpeda": 0.032309665653666664, "rateDeposito": 0.035, "penaltyRefund": 24469807.220054798, "penaltyTax": 6117451.8050136995, "penaltyFee": 6117451.8050136995, "penaltyTotal": 36704710.8300822, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566821.91780822, "puabIncome": 4476821.9178082189, "creditIncome": 72090000, "spreadSimanja": 65505933.389041096, "spreadSimpeda": 67971686.3890411, "spreadGiro": 70437440.3890411, "depositoGross": 34520547 }, { "nominal": 500000001, "tenor": 24, "cashbackGross": 27998217.992900547, "cashbackNet": 22398574.394320436, "giroNet": 3945204.8, "simanjaNet": 15780821.6, "simpedaNet": 11835616, "depositoNet": 27616438.4, "totalGiro": 26343779.194320437, "totalSimanja": 38179395.994320437, "totalSimpeda": 34234190.394320436, "totalDeposito": 27616438.4, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022709665659933331, "totalRateGiro": 0.027709665659933332, "totalRateSimanja": 0.042709665659933331, "totalRateSimpeda": 0.037709665659933334, "rateDeposito": 0.035, "penaltyRefund": 22398574.394320436, "penaltyTax": 5599643.59858011, "penaltyFee": 5599643.598580109, "penaltyTotal": 33597861.591480657, "shareNasabah": 0.45, "shareBank": 0.55, "income": 76566822.070941865, "puabIncome": 4476821.9267618619, "creditIncome": 72090000.14418, "spreadSimanja": 55642919.539778993, "spreadSimpeda": 60574426.539778993, "spreadGiro": 70437440.539778993, "depositoGross": 34520548 }, { "nominal": 750000000, "tenor": 24, "cashbackGross": 41997326.66260273, "cashbackNet": 33597861.330082186, "giroNet": 5917808, "simanjaNet": 23671232.8, "simpedaNet": 17753424, "depositoNet": 41424656.8, "totalGiro": 39515669.330082186, "totalSimanja": 57269094.13008219, "totalSimpeda": 51351285.330082186, "totalDeposito": 41424656.8, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022709665528666663, "totalRateGiro": 0.027709665528666664, "totalRateSimanja": 0.04270966552866666, "totalRateSimpeda": 0.037709665528666662, "rateDeposito": 0.035, "penaltyRefund": 33597861.330082186, "penaltyTax": 8399465.3325205464, "penaltyFee": 8399465.3325205464, "penaltyTotal": 50396791.995123275, "shareNasabah": 0.45, "shareBank": 0.55, "income": 114850232.87671232, "puabIncome": 6715232.8767123278, "creditIncome": 108135000, "spreadSimanja": 83464378.583561629, "spreadSimpeda": 90861639.583561629, "spreadGiro": 105656159.58356163, "depositoGross": 51780821 }, { "nominal": 999999999, "tenor": 24, "cashbackGross": 55996435.482304931, "cashbackNet": 44797148.385843948, "giroNet": 7890410.4, "simanjaNet": 31561643.2, "simpedaNet": 23671232.8, "depositoNet": 55232876, "totalGiro": 52687558.785843946, "totalSimanja": 76358791.585843951, "totalSimpeda": 68468381.185843945, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022709665523866666, "totalRateGiro": 0.027709665523866667, "totalRateSimanja": 0.042709665523866666, "totalRateSimpeda": 0.037709665523866662, "rateDeposito": 0.035, "penaltyRefund": 44797148.385843948, "penaltyTax": 11199287.096460987, "penaltyFee": 11199287.096460987, "penaltyTotal": 67195722.578765914, "shareNasabah": 0.45, "shareBank": 0.55, "income": 153133643.68248278, "puabIncome": 8953643.8266627938, "creditIncome": 144179999.85582, "spreadSimanja": 111285838.62734428, "spreadSimpeda": 121148851.62734428, "spreadGiro": 140874879.62734428, "depositoGross": 69041095 }, { "nominal": 1000000000, "tenor": 24, "cashbackGross": 55996435.550136983, "cashbackNet": 44797148.440109588, "giroNet": 7890410.4, "simanjaNet": 31561643.2, "simpedaNet": 23671232.8, "depositoNet": 55232876, "totalGiro": 52687558.840109587, "totalSimanja": 76358791.640109584, "totalSimpeda": 68468381.2401096, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.02, "rateSimpeda": 0.015, "equiv": 0.022709665528666666, "totalRateGiro": 0.027709665528666667, "totalRateSimanja": 0.042709665528666667, "totalRateSimpeda": 0.037709665528666669, "rateDeposito": 0.035, "penaltyRefund": 44797148.440109588, "penaltyTax": 11199287.110027397, "penaltyFee": 11199287.110027397, "penaltyTotal": 67195722.660164386, "shareNasabah": 0.45, "shareBank": 0.55, "income": 153133643.83561644, "puabIncome": 8953643.8356164377, "creditIncome": 144180000, "spreadSimanja": 111285838.77808219, "spreadSimpeda": 121148851.77808219, "spreadGiro": 140874879.77808219, "depositoGross": 69041095 }, { "nominal": 1000000001, "tenor": 24, "cashbackGross": 53037531.567969032, "cashbackNet": 42430025.254375227, "giroNet": 7890410.4, "simanjaNet": 39452054.4, "simpedaNet": 31561643.2, "depositoNet": 55232876, "totalGiro": 50320435.654375225, "totalSimanja": 81882079.654375225, "totalSimpeda": 73991668.454375222, "totalDeposito": 55232876, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021509665558833331, "totalRateGiro": 0.026509665558833332, "totalRateSimanja": 0.046509665558833332, "totalRateSimpeda": 0.041509665558833328, "rateDeposito": 0.035, "penaltyRefund": 42430025.254375227, "penaltyTax": 10607506.313593807, "penaltyFee": 10607506.313593807, "penaltyTotal": 63645037.881562836, "shareNasabah": 0.45, "shareBank": 0.55, "income": 153133643.98875007, "puabIncome": 8953643.8445700817, "creditIncome": 144180000.14418, "spreadSimanja": 101422824.92882007, "spreadSimpeda": 111285838.92882007, "spreadGiro": 140874879.92882007, "depositoGross": 69041095 }, { "nominal": 1500000000, "tenor": 24, "cashbackGross": 79556297.025205478, "cashbackNet": 63645037.620164379, "giroNet": 11835616, "simanjaNet": 59178081.6, "simpedaNet": 47342465.6, "depositoNet": 82849314.4, "totalGiro": 75480653.620164379, "totalSimanja": 122823119.22016439, "totalSimpeda": 110987503.22016439, "totalDeposito": 82849314.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021509665492, "totalRateGiro": 0.026509665492, "totalRateSimanja": 0.046509665492, "totalRateSimpeda": 0.041509665492, "rateDeposito": 0.035, "penaltyRefund": 63645037.620164379, "penaltyTax": 15911259.405041097, "penaltyFee": 15911259.405041095, "penaltyTotal": 95467556.430246577, "shareNasabah": 0.45, "shareBank": 0.55, "income": 229700465.75342464, "puabIncome": 13430465.753424656, "creditIncome": 216270000, "spreadSimanja": 152134237.16712326, "spreadSimpeda": 166928757.16712326, "spreadGiro": 211312319.16712326, "depositoGross": 103561643 }, { "nominal": 1999999999, "tenor": 24, "cashbackGross": 106075062.63244192, "cashbackNet": 84860050.105953544, "giroNet": 15780821.6, "simanjaNet": 78904108.8, "simpedaNet": 63123287.2, "depositoNet": 110465752.8, "totalGiro": 100640871.70595354, "totalSimanja": 163764158.90595353, "totalSimpeda": 147983337.30595356, "totalDeposito": 110465752.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.021509665489, "totalRateGiro": 0.026509665489000002, "totalRateSimanja": 0.046509665489, "totalRateSimpeda": 0.041509665489, "rateDeposito": 0.035, "penaltyRefund": 84860050.105953544, "penaltyTax": 21215012.526488386, "penaltyFee": 21215012.526488386, "penaltyTotal": 127290075.15893033, "shareNasabah": 0.45, "shareBank": 0.55, "income": 306267287.51809925, "puabIncome": 17907287.662279233, "creditIncome": 288359999.85582, "spreadSimanja": 202845649.4054265, "spreadSimpeda": 222571676.4054265, "spreadGiro": 281749758.4054265, "depositoGross": 138082191 }, { "nominal": 2000000000, "tenor": 24, "cashbackGross": 70716708.466849312, "cashbackNet": 56573366.773479447, "giroNet": 15780821.6, "simanjaNet": 78904108.8, "simpedaNet": 63123287.2, "depositoNet": 110465752.8, "totalGiro": 72354188.373479441, "totalSimanja": 135477475.57347944, "totalSimpeda": 119696653.97347945, "totalDeposito": 110465752.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014339776994666665, "totalRateGiro": 0.019339776994666665, "totalRateSimanja": 0.039339776994666668, "totalRateSimpeda": 0.034339776994666664, "rateDeposito": 0.035, "penaltyRefund": 56573366.773479447, "penaltyTax": 14143341.693369864, "penaltyFee": 14143341.693369862, "penaltyTotal": 84860050.160219178, "shareNasabah": 0.3, "shareBank": 0.7, "income": 306267287.67123288, "puabIncome": 17907287.671232875, "creditIncome": 288360000, "spreadSimanja": 202845649.55616438, "spreadSimpeda": 222571676.55616438, "spreadGiro": 281749758.55616438, "depositoGross": 138082191 }, { "nominal": 2000000001, "tenor": 24, "cashbackGross": 70716708.412670657, "cashbackNet": 56573366.730136529, "giroNet": 15780821.6, "simanjaNet": 78904109.6, "simpedaNet": 63123287.2, "depositoNet": 110465752.8, "totalGiro": 72354188.330136523, "totalSimanja": 135477476.33013654, "totalSimpeda": 119696653.93013653, "totalDeposito": 110465752.8, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.01433977697651055, "totalRateGiro": 0.019339776976510549, "totalRateSimanja": 0.039339776976510553, "totalRateSimpeda": 0.034339776976510548, "rateDeposito": 0.035, "penaltyRefund": 56573366.730136529, "penaltyTax": 14143341.682534132, "penaltyFee": 14143341.682534132, "penaltyTotal": 84860050.095204785, "shareNasabah": 0.3, "shareBank": 0.7, "income": 306267287.82436645, "puabIncome": 17907287.680186514, "creditIncome": 288360000.14417994, "spreadSimanja": 202845648.70890221, "spreadSimpeda": 222571676.70890221, "spreadGiro": 281749758.70890218, "depositoGross": 138082191 }, { "nominal": 5000000000, "tenor": 24, "cashbackGross": 178591770.86712334, "cashbackNet": 142873416.69369867, "giroNet": 39452054.4, "simanjaNet": 197260273.6, "simpedaNet": 157808218.4, "depositoNet": 276164383.2, "totalGiro": 182325471.09369868, "totalSimanja": 340133690.29369867, "totalSimpeda": 300681635.09369868, "totalDeposito": 276164383.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014485776970333337, "totalRateGiro": 0.019485776970333338, "totalRateSimanja": 0.039485776970333342, "totalRateSimpeda": 0.034485776970333337, "rateDeposito": 0.035, "penaltyRefund": 142873416.69369867, "penaltyTax": 35718354.173424669, "penaltyFee": 35718354.173424669, "penaltyTotal": 214310125.040548, "shareNasabah": 0.3, "shareBank": 0.7, "income": 765668219.17808223, "puabIncome": 44768219.178082183, "creditIncome": 720900000, "spreadSimanja": 513114121.890411, "spreadSimpeda": 562429190.890411, "spreadGiro": 710374395.890411, "depositoGross": 345205479 }, { "nominal": 10000000000, "tenor": 24, "cashbackGross": 358383541.63424659, "cashbackNet": 286706833.30739725, "giroNet": 78904108.8, "simanjaNet": 394520547.2, "simpedaNet": 315616437.6, "depositoNet": 552328766.4, "totalGiro": 365610942.10739726, "totalSimanja": 681227380.50739717, "totalSimpeda": 602323270.90739727, "totalDeposito": 552328766.4, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014534443632944444, "totalRateGiro": 0.019534443632944445, "totalRateSimanja": 0.039534443632944449, "totalRateSimpeda": 0.034534443632944445, "rateDeposito": 0.035, "penaltyRefund": 286706833.30739725, "penaltyTax": 71676708.326849326, "penaltyFee": 71676708.326849312, "penaltyTotal": 430060249.96109593, "shareNasabah": 0.3, "shareBank": 0.7, "income": 1531336438.3561645, "puabIncome": 89536438.356164366, "creditIncome": 1441800000, "spreadSimanja": 1030228243.780822, "spreadSimpeda": 1128858380.780822, "spreadGiro": 1424748791.780822, "depositoGross": 690410958 }, { "nominal": 50000000000, "tenor": 24, "cashbackGross": 1796717706.9712327, "cashbackNet": 1437374165.5769861, "giroNet": 394520547.2, "simanjaNet": 1972602739.2, "simpedaNet": 1578082191.2, "depositoNet": 2761643835.2, "totalGiro": 1831894712.7769861, "totalSimanja": 3409976904.7769861, "totalSimpeda": 3015456356.7769861, "totalDeposito": 2761643835.2, "rateGiro": 0.005, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014573376956544442, "totalRateGiro": 0.019573376956544441, "totalRateSimanja": 0.039573376956544441, "totalRateSimpeda": 0.034573376956544444, "rateDeposito": 0.035, "penaltyRefund": 1437374165.5769861, "penaltyTax": 359343541.39424658, "penaltyFee": 359343541.39424652, "penaltyTotal": 2156061248.365479, "shareNasabah": 0.3, "shareBank": 0.7, "income": 7656682191.7808218, "puabIncome": 447682191.78082192, "creditIncome": 7209000000, "spreadSimanja": 5167141214.90411, "spreadSimpeda": 5660291899.90411, "spreadGiro": 7139743954.90411, "depositoGross": 3452054794 }, { "nominal": 50000000001, "tenor": 24, "cashbackGross": 1772060172.7170544, "cashbackNet": 1417648138.1736436, "giroNet": 591780821.6, "simanjaNet": 1972602739.2, "simpedaNet": 1578082191.2, "depositoNet": 2761643835.2, "totalGiro": 2009428959.7736435, "totalSimanja": 3390250877.3736439, "totalSimpeda": 2995730329.3736439, "totalDeposito": 2761643835.2, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014373376956195307, "totalRateGiro": 0.021873376956195307, "totalRateSimanja": 0.039373376956195305, "totalRateSimpeda": 0.034373376956195308, "rateDeposito": 0.035, "penaltyRefund": 1417648138.1736436, "penaltyTax": 354412034.5434109, "penaltyFee": 354412034.5434109, "penaltyTotal": 2126472207.2604651, "shareNasabah": 0.3, "shareBank": 0.7, "income": 7656682191.9339561, "puabIncome": 447682191.78977549, "creditIncome": 7209000000.14418, "spreadSimanja": 5167141215.0568485, "spreadSimpeda": 5660291900.0568485, "spreadGiro": 6893168612.0568485, "depositoGross": 3452054794 }, { "nominal": 100000000000, "tenor": 24, "cashbackGross": 3545320345.1424661, "cashbackNet": 2836256276.1139727, "giroNet": 1183561643.2, "simanjaNet": 3945205479.2, "simpedaNet": 3156164383.2, "depositoNet": 5523287671.2, "totalGiro": 4019817919.3139725, "totalSimanja": 6781461755.3139725, "totalSimpeda": 5992420659.3139725, "totalDeposito": 5523287671.2, "rateGiro": 0.0075, "rateSimanja": 0.025, "rateSimpeda": 0.02, "equiv": 0.014378243621966666, "totalRateGiro": 0.021878243621966664, "totalRateSimanja": 0.039378243621966666, "totalRateSimpeda": 0.034378243621966668, "rateDeposito": 0.035, "penaltyRefund": 2836256276.1139727, "penaltyTax": 709064069.02849329, "penaltyFee": 709064069.02849317, "penaltyTotal": 4254384414.1709595, "shareNasabah": 0.3, "shareBank": 0.7, "income": 15313364383.561644, "puabIncome": 895364383.56164384, "creditIncome": 14418000000, "spreadSimanja": 10338282428.80822, "spreadSimpeda": 11324583798.80822, "spreadGiro": 13790337223.80822, "depositoGross": 6904109589 } ] }