{"id":184,"date":"2012-09-07T07:02:00","date_gmt":"2012-09-07T07:02:00","guid":{"rendered":"http:\/\/duniaakuntansi.com\/2012\/09\/07\/pengendalian-bank-budgeting\/"},"modified":"2026-04-07T20:09:38","modified_gmt":"2026-04-07T20:09:38","slug":"pengendalian-bank-budgeting","status":"publish","type":"post","link":"https:\/\/nscpolteksby.ac.id\/akuntansi\/pengendalian-bank-budgeting\/","title":{"rendered":"Pengendalian  Bank Budgeting"},"content":{"rendered":"<p><!--[if gte mso 9]><xml> <w:WordDocument>  <w:View>Normal<\/w:View>  <w:Zoom>0<\/w:Zoom>  <w:TrackMoves\/>  <w:TrackFormatting\/>  <w:PunctuationKerning\/>  <w:ValidateAgainstSchemas\/>  <w:SaveIfXMLInval>false<\/w:SaveIfXMLInvalid>  <w:IgnoreMixedContent>false<\/w:IgnoreMixedContent>  <w:AlwaysShowPlaceholderText>false<\/w:AlwaysShowPlaceholderText>  <w:DoNotPromoteQF\/>  <w:LidThemeOther>IN<\/w:LidThemeOther>  <w:LidThemeAsian>X-NONE<\/w:LidThemeAsian>  <w:LidThemeComplexScript>X-NONE<\/w:LidThemeComplexScript>  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<w:LsdException Locked=\"false\" Priority=\"37\" Name=\"Bibliography\"\/>  <w:LsdException Locked=\"false\" Priority=\"39\" QFormat=\"true\" Name=\"TOC Heading\"\/> <\/w:LatentStyles><\/xml><![endif]--><!--[if gte mso 10]><![endif]--><\/p>\n<div style=\"clear: both; text-align: center;\"><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">&nbsp;BANK BUDGETING adalah cetak biru (blue print) dari BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>yang dipaparkan dalam format standar bisnis yang masuk akal yang:<\/span><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Memuat Visi strategis BANK <\/span><\/li>\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Dapat digunakan sebagai alat      komunikasi internal dan eksternal<\/span><\/li>\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Berguna sebagai sarana penilaian      kebutuhan modal <\/span><\/li>\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Merupakan alat untuk merencanakan,      mengukur, dan memperbaiki kinerja<\/span><\/li>\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Dapat dijadikan dasar pengambilan      keputusan<\/span><\/li>\n<\/ul>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">BANK BUDGETING yang baik dapat berfungsi sebagai:<\/span><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Alat periksa kenyataan <\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 18.0pt; text-align: justify; text-indent: 18.0pt;\"><span lang=\"EN-US\">Karena BANK BUDGETING disusun secara obyektif, kritis, dan realistis<\/span><\/div>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Sebuah piranti kerja <\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Karena BANK BUDGETING dapat digunakan untuk membuat tujuan dan sasaran BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>serta sebagai alat evaluasi dan pengendali kinerja di masa yang akan datang<\/span><\/div>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Pengirim pesan<\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Karena BANK BUDGETING dapat mengkomunikasikan pikiran-pikiran dan pesan BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>kepada karyawan, direktur, pemilik, dan investor dari luar BANK <\/span><\/div>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Sebuah alat motivasi<\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Karena BANK BUDGETING dapat dapat dijadikan arah\/tujuan karyawan tentang apa yang hendak mereka capai<\/span><\/div>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Sebuah piranti pengembangan manajemen<\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Karena BANK BUDGETING dapat membantu manajemen menganalisis kondisi internal dan eksternal yang menguntungkan dan membahayakan kelangsungan BANK <\/span><\/div>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<ul style=\"margin-top: 0cm;\" type=\"disc\">\n<li style=\"mso-list: l10 level1 lfo1; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Sebuah peta jalan<\/span><\/b><\/li>\n<\/ul>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Karena BANK BUDGETING dapat membantu memandu operasional BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>baik di masa senang maupun susah.<\/span><\/div>\n<div style=\"text-indent: 36.0pt;\"><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Salah satu fungsi manajemen yang penting adalah pengawasan, baik pengawasan dalam arti sempit maupun pengawasan dalam arti luas sebagai pengendalian. Sifat pengawasan itupun juga dapat dibedakan dalam bentuk kualitatif dan pengawasan dalam bentuk kuantitatif.<\/span><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Tujuan yang ingin dicapai dari pengendalian yaitu:<\/span><\/div>\n<ol start=\"1\" style=\"margin-top: 0cm;\" type=\"1\">\n<li style=\"mso-list: l5 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Untuk penjagaan dan pengamanan      harta milik bank<\/span><\/li>\n<li style=\"mso-list: l5 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Untuk mendorong dicapainya      efisiensi kerja yang lebih baik<\/span><\/li>\n<li style=\"mso-list: l5 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Untuk mendorong dipatuhinya      kebijaksanaan yang telah ditetapkan<\/span><\/li>\n<li style=\"mso-list: l5 level1 lfo2; tab-stops: list 36.0pt; text-align: justify;\"><span lang=\"EN-US\">Untuk mendorong adanya      administrasi keuangan yang tepat waktu, tepat guna dan teliti.<\/span><\/li>\n<\/ol>\n<div style=\"margin-left: 18.0pt; text-align: justify;\"><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Dalam hubungannya dengan pengendalian maka BANK BUDGETING dapat dipakai sebagai alat untuk mengantisipasi problem-problem potensial (Potential Problem) yang akan timbul di kemudian hari agar dapat dicegah sedini mungkin dengan pemecahan problem setepat-tepatnya. Jadi BANK BUDGETING merupakan <b style=\"mso-bidi-font-weight: normal;\">Early Warning System<\/b> <b style=\"mso-bidi-font-weight: normal;\">(EWS)<\/b> dalam pengendalian jalannya BANK .<\/span><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-spacerun: yes;\">&nbsp;<\/span>Dalam perannya sebagai Early Warning System maka terdapat berbagai teknik yang dapat digunakan dalam evaluasi BANK BUDGETING untuk mendapatkan informasi\/feedback guna perbaikan rencana kerja dan anggaran yang akan datang maupun untuk tujuan lainnya. Evaluasi realisasi BANK BUDGETING dapat dilakukan secara periodik tergantung pada kebutuhan BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>apakah bulanan, triwulanan, semesteran atau tahunan. Namun disarankan untuk melakukan evaluasi realisasi BANK BUDGETING dalam triwulanan agar dapat diidentifikasi jika terjadi penyimpangan-penyimpangan sehingga dapat dilakukan penyesuaian- penyesuaian seperlunya. Teknik analisis sederhana yang dapat digunakan adalah analisis variansi dan analisis rasio keuangan.<\/span><\/div>\n<div style=\"text-align: justify;\"><\/div>\n<div style=\"text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">A. ANALISIS VARIANSI<\/span><\/b><\/div>\n<div style=\"text-align: justify;\"><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Analisis variansi merupakan analisis untuk mengetahui perbedaan antara satu hal dengan hal lain yang diperbandingkan. Perbandingan secara konsepsional dan sistematis antara BANK BUDGETING dan realisasinya mengemukakan berbagai ragam perbedaan yang akan memiliki makna jika diadakan evaluasi pengamatan (telaah) yang lebih dalam dan akan dapat menghasilkan kesimpulan yang berguna sebagai alat perbaikan dan penyusunan perencanaan yang akan datang.<\/span><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Analisis variansi dapat dilakukan melalui 2 pendekatan yaitu analisis variansi secara kualitatif dan analisis variansi secara kuantitatif.<\/span><\/div>\n<div style=\"text-align: justify; text-indent: 36.0pt;\"><\/div>\n<ol start=\"1\" style=\"margin-top: 0cm;\" type=\"1\">\n<li style=\"mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Analisis variansi secara kualitatif<\/span><\/b><\/li>\n<\/ol>\n<div style=\"margin-left: 36.0pt; text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Setelah suatu BANK BUDGETING selesai disusun, kemudian diimplementasikan oleh setiap level manajemen di BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>maka BANK BUDGETING tersebut akan bermanfaat sebagai panduan (guidance) tentang apa-apa yang harus dilakukan dan target yang harus dicapai, serta merupakan legalitas atas tindakan-tindakan yang akan dilakukan. Setleh akhir periode BANK BUDGETING tersebut selesai dijalani maka setiap level manajemen akan segera mengetahui apakah apa-apa yang dilakukan selama periode tersebut sesuai dengan yang direncanakan. Selisih antara yang telah direncanakan dengan yang telah direalisasikan tersebut disebut variansi (variance). Variansi itu sendiri dapat bersifat favorable (menguntungkan) maupun unfavorable (tak menguntungkan). Identifikasi apakah variansi tersebut bersifat favorable ataupun unfavorable tergantung dari jenis kegiatan BANK <span style=\"mso-spacerun: yes;\">&nbsp;<\/span>yang bersangkutan.<\/span><\/div>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><\/div>\n<ol start=\"2\" style=\"margin-top: 0cm;\" type=\"1\">\n<li style=\"mso-list: l2 level1 lfo3; tab-stops: list 36.0pt; text-align: justify;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Analisis variansi secara kuantitatif<\/span><\/b><\/li>\n<\/ol>\n<div style=\"margin-left: 36.0pt; text-align: justify; text-indent: 36.0pt;\"><span lang=\"EN-US\">Untuk mempertajam analisis variansi kualitatif dilakukan analisis variansi kuantitatif yaitu besaran variansi dipecah lagi menjadi 2 unsur yaitu unsur volume transaksi dan unsur besarnya harga yang dipakai dalam transaksi tersebut. Dapat saja terjadi suatu kegiatan dilihat dari volumenya dikategorikan favorable namun dilihat dari harganya dikategorikan unfavorable.<\/span><\/div>\n<div style=\"text-align: justify;\"><\/div>\n<div style=\"margin-left: 36.0pt; text-align: justify;\"><\/div>\n<table border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"border-collapse: collapse; border: none; margin-left: 41.4pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 480; width: 552px;\">\n<tbody>\n<tr style=\"mso-yfti-firstrow: yes; mso-yfti-irow: 0;\">\n<td style=\"border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div align=\"center\" style=\"text-align: center;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Kelompok<\/span><\/b><\/div>\n<\/td>\n<td style=\"border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div align=\"center\" style=\"text-align: center;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Uraian<\/span><\/b><\/div>\n<\/td>\n<td style=\"border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div align=\"center\" style=\"text-align: center;\"><b style=\"mso-bidi-font-weight: normal;\"><span lang=\"EN-US\">Keterangan<\/span><\/b><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 1;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Pendapatan<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 12.6pt; mso-list: l3 level1 lfo4; tab-stops: list 12.6pt; text-align: justify; text-indent: -12.6pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 12.6pt; mso-list: l3 level1 lfo4; tab-stops: list 12.6pt; text-align: justify; text-indent: -12.6pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Favorable<\/span><\/div>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 2;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Biaya<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l9 level1 lfo5; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 12.6pt; mso-list: l9 level1 lfo5; tab-stops: list 12.6pt; text-align: justify; text-indent: -12.6pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable   Favorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 3;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Kredit (vol)<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l1 level1 lfo6; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l1 level1 lfo6; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Favorable<\/span><\/div>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 4;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Kredit (price)<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l7 level1 lfo8; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l7 level1 lfo8; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Favorable<\/span><\/div>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 5;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Aktiva Tidak   Produktif<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l4 level1 lfo7; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l4 level1 lfo7; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable   Favorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 6;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Dana Pihak   Ketiga (vol)<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l8 level1 lfo9; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l8 level1 lfo9; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Favorable<\/span><\/div>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 7;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Dana Pihak III   (price)<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l0 level1 lfo10; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l0 level1 lfo10; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable   Favorable<\/span><\/div>\n<\/td>\n<\/tr>\n<tr style=\"mso-yfti-irow: 8; mso-yfti-lastrow: yes;\">\n<td style=\"border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 135.0pt;\" valign=\"top\" width=\"180\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Modal<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 207.0pt;\" valign=\"top\" width=\"276\">\n<div style=\"margin-left: 36.0pt; mso-list: l6 level1 lfo11; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &gt; anggaran<\/span><\/div>\n<div style=\"margin-left: 36.0pt; mso-list: l6 level1 lfo11; tab-stops: list 12.6pt; text-align: justify; text-indent: -36.0pt;\"><span lang=\"EN-US\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt &quot;Times New Roman&quot;;\">&nbsp;&nbsp;   <\/span><\/span><\/span><span lang=\"EN-US\">Jika realisasi &lt; anggaran<\/span><\/div>\n<\/td>\n<td style=\"border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 72.0pt;\" valign=\"top\" width=\"96\">\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Favorable<\/span><\/div>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">Unfavorable<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"text-align: justify;\"><\/div>\n<div class=\"mangsud\" 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