LAMPIRAN B

JADUAL PEMBAYARAN BALIK KEMUDAHAN

PROJEK :
JUMLAH RM14,700,000.00 180
FAEDAH 5.00% Monthly rest
TEMPOH 180 Bulan
TANGGUHAN 12 Bulan

BIL JUMLAH FAEDAH POKOK POKOK BAKI

BAYARAN (RM) (RM) (RM) DIBAYAR (RM) POKOK (RM)
735,000.00
1 61,250.00 61,250.00
2 61,250.00 61,250.00
3 61,250.00 61,250.00
4 61,250.00 61,250.00
5 61,250.00 61,250.00
6 61,250.00 61,250.00
7 61,250.00 61,250.00
8 61,250.00 61,250.00
9 61,250.00 61,250.00
10 61,250.00 61,250.00
11 61,250.00 61,250.00
12 61,250.00 61,250.00
735,000.00 735,000.00 0.00 0.00 0.00

1 116,246.66 61,250.00 54,996.66 54,996.66 14,645,003.34 675,296.04 56274.67

2 116,246.66 61,020.85 55,225.81 110,222.47 14,589,777.53
3 116,246.66 60,790.74 55,455.92 165,678.39 14,534,321.61 719,663.88 59971.99
4 116,246.66 60,559.67 55,686.99 221,365.38 14,478,634.62
5 116,246.66 60,327.64 55,919.02 277,284.40 14,422,715.60 1,394,959.92
6 116,246.66 60,094.65 56,152.01 333,436.41 14,366,563.59
7 116,246.66 59,860.68 56,385.98 389,822.39 14,310,177.61
8 116,246.66 59,625.74 56,620.92 446,443.31 14,253,556.69
9 116,246.66 59,389.82 56,856.84 503,300.15 14,196,699.85
10 116,246.66 59,152.92 57,093.74 560,393.89 14,139,606.11
11 116,246.66 58,915.03 57,331.63 617,725.52 14,082,274.48
12 116,246.66 58,676.14 57,570.52 675,296.04 14,024,703.96

13 116,246.66 58,436.27 57,810.39 733,106.43 13,966,893.57 709,845.46 59153.788

14 116,246.66 58,195.39 58,051.27 791,157.70 13,908,842.30
15 116,246.66 57,953.51 58,293.15 849,450.85 13,850,549.15 685,114.46 57092.872
16 116,246.66 57,710.62 58,536.04 907,986.89 13,792,013.11
17 116,246.66 57,466.72 58,779.94 966,766.83 13,733,233.17 1,394,959.92
18 116,246.66 57,221.80 59,024.86 1,025,791.69 13,674,208.31
19 116,246.66 56,975.87 59,270.79 1,085,062.48 13,614,937.52
20 116,246.66 56,728.91 59,517.75 1,144,580.23 13,555,419.77
21 116,246.66 56,480.92 59,765.74 1,204,345.97 13,495,654.03
22 116,246.66 56,231.89 60,014.77 1,264,360.74 13,435,639.26
23 116,246.66 55,981.83 60,264.83 1,324,625.57 13,375,374.43
24 116,246.66 55,730.73 60,515.93 1,385,141.50 13,314,858.50

25 116,246.66 55,478.58 60,768.08 1,445,909.58 13,254,090.42 746,162.49 62180.208

26 116,246.66 55,225.38 61,021.28 1,506,930.86 13,193,069.14
27 116,246.66 54,971.12 61,275.54 1,568,206.40 13,131,793.60 648,797.43 54066.453
28 116,246.66 54,715.81 61,530.85 1,629,737.25 13,070,262.75
29 116,246.66 54,459.43 61,787.23 1,691,524.48 13,008,475.52
30 116,246.66 54,201.98 62,044.68 1,753,569.16 12,946,430.84
31 116,246.66 53,943.46 62,303.20 1,815,872.36 12,884,127.64
32 116,246.66 53,683.87 62,562.79 1,878,435.15 12,821,564.85
33 116,246.66 53,423.19 62,823.47 1,941,258.62 12,758,741.38
34 116,246.66 53,161.42 63,085.24 2,004,343.86 12,695,656.14
35 116,246.66 52,898.57 63,348.09 2,067,691.95 12,632,308.05
36 116,246.66 52,634.62 63,612.04 2,131,303.99 12,568,696.01

37 116,246.66 52,369.57 63,877.09 2,195,181.08 12,504,818.92 784,337.80 65361.483

38 116,246.66 52,103.41 64,143.25 2,259,324.33 12,440,675.67
39 116,246.66 51,836.15 64,410.51 2,323,734.84 12,376,265.16 610,622.32 50885.193
40 116,246.66 51,567.77 64,678.89 2,388,413.73 12,311,586.27
41 116,246.66 51,298.28 64,948.38 2,453,362.11 12,246,637.89
42 116,246.66 51,027.66 65,219.00 2,518,581.11 12,181,418.89
43 116,246.66 50,755.91 65,490.75 2,584,071.86 12,115,928.14
44 116,246.66 50,483.03 65,763.63 2,649,835.49 12,050,164.51
45 116,246.66 50,209.02 66,037.64 2,715,873.13 11,984,126.87
46 116,246.66 49,933.86 66,312.80 2,782,185.93 11,917,814.07
47 116,246.66 49,657.56 66,589.10 2,848,775.03 11,851,224.97
48 116,246.66 49,380.10 66,866.76 2,915,641.79 11,784,358.21
49 116,246.66 49,101.49 67,145.17 2,982,786.96 11,717,213.04 824,465.82
50 116,246.66 48,821.72 67,424.94 3,050,211.90 11,649,788.10
51 116,246.66 48,540.78 67,705.88 3,117,917.78 11,582,082.22 570,494.10
52 116,246.66 48,258.68 67,987.98 3,185,905.76 11,514,094.24
53 116,246.66 47,975.39 68,271.27 3,254,177.03 11,445,822.97
54 116,246.66 47,690.93 68,555.73 3,322,732.76 11,377,267.24
55 116,246.66 47,405.28 68,841.38 3,391,574.14 11,308,425.86
56 116,246.66 47,118.44 69,128.22 3,460,702.36 11,239,297.64
57 116,246.66 46,830.41 69,416.25 3,530,118.61 11,169,881.39
58 116,246.66 46,541.17 69,705.49 3,599,824.10 11,100,175.90
59 116,246.66 46,250.73 69,995.93 3,669,820.03 11,030,179.97
60 116,246.66 45,959.08 70,287.58 3,740,107.61 10,959,892.39

61 116,246.66 45,666.22 70,580.44 3,810,688.05 10,889,311.95 866,647.04

62 116,246.66 45,372.13 70,874.53 3,881,562.58 10,818,437.42
63 116,246.66 45,076.82 71,169.84 3,952,732.42 10,747,267.58 528,312.88
64 116,246.66 44,780.28 71,466.38 4,024,198.80 10,675,801.20
65 116,246.66 44,482.51 71,764.15 4,095,962.95 10,604,037.05
66 116,246.66 44,183.49 72,063.17 4,168,026.12 10,531,973.88
67 116,246.66 43,883.22 72,363.44 4,240,389.56 10,459,610.44
68 116,246.66 43,581.71 72,664.95 4,313,054.51 10,386,945.49
69 116,246.66 43,278.94 72,967.72 4,386,022.23 10,313,977.77
70 116,246.66 42,974.91 73,271.75 4,459,293.98 10,240,706.02
71 116,246.66 42,669.61 73,577.05 4,532,871.03 10,167,128.97
72 116,246.66 42,363.04 73,883.62 4,606,754.65 10,093,245.35

73 116,246.66 42,055.19 74,191.47 4,680,946.12 10,019,053.88

74 116,246.66 41,746.06 74,500.60 4,755,446.72 9,944,553.28
75 116,246.66 41,435.64 74,811.02 4,830,257.74 9,869,742.26
76 116,246.66 41,123.93 75,122.73 4,905,380.47 9,794,619.53
77 116,246.66 40,810.91 75,435.75 4,980,816.22 9,719,183.78
78 116,246.66 40,496.60 75,750.06 5,056,566.28 9,643,433.72
79 116,246.66 40,180.97 76,065.69 5,132,631.97 9,567,368.03
80 116,246.66 39,864.03 76,382.63 5,209,014.60 9,490,985.40
81 116,246.66 39,545.77 76,700.89 5,285,715.49 9,414,284.51
82 116,246.66 39,226.19 77,020.47 5,362,735.96 9,337,264.04
83 116,246.66 38,905.27 77,341.39 5,440,077.35 9,259,922.65
84 116,246.66 38,583.01 77,663.65 5,517,741.00 9,182,259.00

85 116,246.66 38,259.41 77,987.25 5,595,728.25 9,104,271.75

86 116,246.66 37,934.47 78,312.19 5,674,040.44 9,025,959.56
87 116,246.66 37,608.16 78,638.50 5,752,678.94 8,947,321.06
88 116,246.66 37,280.50 78,966.16 5,831,645.10 8,868,354.90
89 116,246.66 36,951.48 79,295.18 5,910,940.28 8,789,059.72
90 116,246.66 36,621.08 79,625.58 5,990,565.86 8,709,434.14
91 116,246.66 36,289.31 79,957.35 6,070,523.21 8,629,476.79
92 116,246.66 35,956.15 80,290.51 6,150,813.72 8,549,186.28
93 116,246.66 35,621.61 80,625.05 6,231,438.77 8,468,561.23
94 116,246.66 35,285.67 80,960.99 6,312,399.76 8,387,600.24
95 116,246.66 34,948.33 81,298.33 6,393,698.09 8,306,301.91
96 116,246.66 34,609.59 81,637.07 6,475,335.16 8,224,664.84

97 116,246.66 34,269.44 81,977.22 6,557,312.38 8,142,687.62

98 116,246.66 33,927.87 82,318.79 6,639,631.17 8,060,368.83
99 116,246.66 33,584.87 82,661.79 6,722,292.96 7,977,707.04
100 116,246.66 33,240.45 83,006.21 6,805,299.17 7,894,700.83
101 116,246.66 32,894.59 83,352.07 6,888,651.24 7,811,348.76
102 116,246.66 32,547.29 83,699.37 6,972,350.61 7,727,649.39
103 116,246.66 32,198.54 84,048.12 7,056,398.73 7,643,601.27
104 116,246.66 31,848.34 84,398.32 7,140,797.05 7,559,202.95
105 116,246.66 31,496.68 84,749.98 7,225,547.03 7,474,452.97
106 116,246.66 31,143.55 85,103.11 7,310,650.14 7,389,349.86
107 116,246.66 30,788.96 85,457.70 7,396,107.84 7,303,892.16
108 116,246.66 30,432.88 85,813.78 7,481,921.62 7,218,078.38

109 116,246.66 30,075.33 86,171.33 7,568,092.95 7,131,907.05

110 116,246.66 29,716.28 86,530.38 7,654,623.33 7,045,376.67
111 116,246.66 29,355.74 86,890.92 7,741,514.25 6,958,485.75
112 116,246.66 28,993.69 87,252.97 7,828,767.22 6,871,232.78
113 116,246.66 28,630.14 87,616.52 7,916,383.74 6,783,616.26
114 116,246.66 28,265.07 87,981.59 8,004,365.33 6,695,634.67
115 116,246.66 27,898.48 88,348.18 8,092,713.51 6,607,286.49
116 116,246.66 27,530.36 88,716.30 8,181,429.81 6,518,570.19
117 116,246.66 27,160.71 89,085.95 8,270,515.76 6,429,484.24
118 116,246.66 26,789.52 89,457.14 8,359,972.90 6,340,027.10
119 116,246.66 26,416.78 89,829.88 8,449,802.78 6,250,197.22
120 116,246.66 26,042.49 90,204.17 8,540,006.95 6,159,993.05

121 116,246.66 25,666.64 90,580.02 8,630,586.97 6,069,413.03

122 116,246.66 25,289.22 90,957.44 8,721,544.41 5,978,455.59
123 116,246.66 24,910.23 91,336.43 8,812,880.84 5,887,119.16
124 116,246.66 24,529.66 91,717.00 8,904,597.84 5,795,402.16
125 116,246.66 24,147.51 92,099.15 8,996,696.99 5,703,303.01
126 116,246.66 23,763.76 92,482.90 9,089,179.89 5,610,820.11
127 116,246.66 23,378.42 92,868.24 9,182,048.13 5,517,951.87
128 116,246.66 22,991.47 93,255.19 9,275,303.32 5,424,696.68
129 116,246.66 22,602.90 93,643.76 9,368,947.08 5,331,052.92
130 116,246.66 22,212.72 94,033.94 9,462,981.02 5,237,018.98
131 116,246.66 21,820.91 94,425.75 9,557,406.77 5,142,593.23
132 116,246.66 21,427.47 94,819.19 9,652,225.96 5,047,774.04

133 116,246.66 21,032.39 95,214.27 9,747,440.23 4,952,559.77

134 116,246.66 20,635.67 95,610.99 9,843,051.22 4,856,948.78
135 116,246.66 20,237.29 96,009.37 9,939,060.59 4,760,939.41
136 116,246.66 19,837.25 96,409.41 10,035,470.00 4,664,530.00
137 116,246.66 19,435.54 96,811.12 10,132,281.12 4,567,718.88
138 116,246.66 19,032.16 97,214.50 10,229,495.62 4,470,504.38
139 116,246.66 18,627.10 97,619.56 10,327,115.18 4,372,884.82
140 116,246.66 18,220.35 98,026.31 10,425,141.49 4,274,858.51
141 116,246.66 17,811.91 98,434.75 10,523,576.24 4,176,423.76
142 116,246.66 17,401.77 98,844.89 10,622,421.13 4,077,578.87
143 116,246.66 16,989.91 99,256.75 10,721,677.88 3,978,322.12
144 116,246.66 16,576.34 99,670.32 10,821,348.20 3,878,651.80

145 116,246.66 16,161.05 100,085.61 10,921,433.81 3,778,566.19

146 116,246.66 15,744.03 100,502.63 11,021,936.44 3,678,063.56
147 116,246.66 15,325.26 100,921.40 11,122,857.84 3,577,142.16
148 116,246.66 14,904.76 101,341.90 11,224,199.74 3,475,800.26
149 116,246.66 14,482.50 101,764.16 11,325,963.90 3,374,036.10
150 116,246.66 14,058.48 102,188.18 11,428,152.08 3,271,847.92
151 116,246.66 13,632.70 102,613.96 11,530,766.04 3,169,233.96
152 116,246.66 13,205.14 103,041.52 11,633,807.56 3,066,192.44
153 116,246.66 12,775.80 103,470.86 11,737,278.42 2,962,721.58
154 116,246.66 12,344.67 103,901.99 11,841,180.41 2,858,819.59
155 116,246.66 11,911.75 104,334.91 11,945,515.32 2,754,484.68
156 116,246.66 11,477.02 104,769.64 12,050,284.96 2,649,715.04

157 116,246.66 11,040.48 105,206.18 12,155,491.14 2,544,508.86

158 116,246.66 10,602.12 105,644.54 12,261,135.68 2,438,864.32
159 116,246.66 10,161.93 106,084.73 12,367,220.41 2,332,779.59
160 116,246.66 9,719.91 106,526.75 12,473,747.16 2,226,252.84
161 116,246.66 9,276.05 106,970.61 12,580,717.77 2,119,282.23
162 116,246.66 8,830.34 107,416.32 12,688,134.09 2,011,865.91
163 116,246.66 8,382.77 107,863.89 12,795,997.98 1,904,002.02
164 116,246.66 7,933.34 108,313.32 12,904,311.30 1,795,688.70
165 116,246.66 7,482.04 108,764.62 13,013,075.92 1,686,924.08
166 116,246.66 7,028.85 109,217.81 13,122,293.73 1,577,706.27
167 116,246.66 6,573.78 109,672.88 13,231,966.61 1,468,033.39
168 116,246.66 6,116.81 110,129.85 13,342,096.46 1,357,903.54

169 116,246.66 5,657.93 110,588.73 13,452,685.19 1,247,314.81

170 116,246.66 5,197.15 111,049.51 13,563,734.70 1,136,265.30
171 116,246.66 4,734.44 111,512.22 13,675,246.92 1,024,753.08
172 116,246.66 4,269.80 111,976.86 13,787,223.78 912,776.22
173 116,246.66 3,803.23 112,443.43 13,899,667.21 800,332.79
174 116,246.66 3,334.72 112,911.94 14,012,579.15 687,420.85
175 116,246.66 2,864.25 113,382.41 14,125,961.56 574,038.44
176 116,246.66 2,391.83 113,854.83 14,239,816.39 460,183.61
177 116,246.66 1,917.43 114,329.23 14,354,145.62 345,854.38
178 116,246.66 1,441.06 114,805.60 14,468,951.22 231,048.78
179 116,246.66 962.70 115,283.96 14,584,235.18 115,764.82
180 116,246.66 482.35 115,764.31 14,699,999.49 0.51
JUMLAH 22,394,399.00 7,694,399.51 14,699,999.49 14,699,999.49 0.00
 BAHTERA MEGA SDN BHD
JANGKAAN ALIRAN TUNAI BAHTERA MEGA SDN BHD
Perkara Bulan 37 Bulan 38 Bulan 39 Bulan 40 Total
Aliran Tunai Masuk
Semai dan Tanam 1,200,000.00 8,400,000.00
Racun dan Drone 2,142,000.00 14,994,000.00
Baja dan Drone 900,000.00 6,300,000.00
Upah Jentuai 385,000.00 2,695,000.00
Upah Pengangkutan 105,000.00 735,000.00
Jerami 1,040,000.00 6,240,000.00
Sekam padi 14,520.00 101,640.00

Restoran 117,000.00 117,000.00 117,000.00 117,000.00 3,809,000.00

Katering/Event Tempahan 144,000.00 144,000.00 144,000.00 4,392,000.00
Homestay 21,600.00 21,600.00 21,600.00 21,600.00 720,000.00

Sumber Pembiayaan 14,700,000.00

Pembayaran Pendahuluan Sara Hidup

Jumlah Pendapatan Keseluruhan 282,600.00 282,600.00 282,600.00 5,925,120.00 64,586,640.00

Aliran Tunai Keluar

Kos Perbelanjaan Operasi

Semai dan tanam 732,500.00 5,039,500.00
Racun 480,000.00 720,000.00 480,000.00 11,760,000.00
Kos Drone bagi Racun 40,500.00 60,750.00 40,500.00 992,250.00
Baja 680,000.00 4,760,000.00
Kos Drone bagi Baja 20,250.00 40,500.00 20,250.00 567,000.00
Upah Jentuai 84,700.00 592,900.00
Upah Pengangkutan 25,500.00 178,500.00
Jerami 300,000.00 1,800,000.00
Kos operasi jerami 500.00 3,500.00
Sekam padi 5,016.00 35,112.00
Kos operasi sekam padi 100.00 700.00

Capex bagi Mesin & Jentera 5,680,000.00

Capex bagi Tapak Operasi 2,425,000.00
Capex bagi Projek Restoran/Katering 695,000.00
Capex bagi Projek Homestay 1,000,000.00

Pendahuluan sara hidup petani 500,000.00 500,000.00 500,000.00 10,500,000.00

Opex bagi Projek Restoran/Katering 130,500.00 130,500.00 130,500.00 58,500.00 4,100,500.00

Opex bagi Projek Homestay 5,400.00 5,400.00 5,400.00 5,400.00 180,000.00
Opex keseluruhan operasi syarikat
- Gaji 5,000.00 5,000.00 5,000.00 5,000.00 200,000.00
- Utiliti 1,500.00 1,500.00 1,500.00 1,500.00 60,000.00
- Takaful 500.00 500.00 500.00 500.00 20,000.00
- Pengangkutan 1,000.00 1,000.00 1,000.00 1,000.00 40,000.00
- Lain-lain 5,000.00 5,000.00 5,000.00 5,000.00 200,000.00

Kos Pembiayaan
Principal 65,361.48 65,361.48 65,361.48 65,361.48 2,392,749.92
Profit 50,885.19 50,885.19 50,885.19 50,885.19 2,257,116.54

Jumlah wang keluar 2,038,396.68 1,586,396.68 1,985,896.68 608,962.68 55,479,828.47

Tunai bersih -1,755,796.68 -1,303,796.68 -1,703,296.68 5,316,157.32 9,106,811.53

Tunai b/f 8,553,544.24 6,797,747.56 5,493,950.89 3,790,654.21
Tunai c/f 6,797,747.56 5,493,950.89 3,790,654.21 9,106,811.53

Jangkaan Pendapatan

1 Hektar (tan)
1 tan padi putih
1 tan padi beras wangi

Berat padi dijual pada diskaun

1 tan padi putih
1 tan padi beras wangi

Semai dan Tanam

Jualan benih
Modal Racun (7 kali satu musim)
Upah Drone (7 kali satu musim)
Petrol/Diesel
Pekerja

Modal baja (3 percuma, 1 berbayar)

Upah Drone (4 kali satu musim)
Petrol/Diesel
Pekerja

Jentuai
Pengangkutan (Sawah - Tapak Operasi)
Petrol/Diesel
Pekerja

Projek Jerami
Pembelian Jerami
Petrol/Diesel
Pekerja

Hasil pembelian jerami - bale utk 1 hektar

Jumlah bale
Harga jualan bale
Jumlah jualan bale

Harga jualan habuk jerami/tan

Modal 1 tan habuk = 5 bale

Kos penggulungan dan pengangkutan bale

- Petrol/diesel bagi satu hektar
- Pengangkutan bale sawah-tapak operasi
- Upah Pekerja

Projek Sekam Padi

1 guni jumbo
Kuota (3 trailer)
1 trailer = 44 guni
1 musim

Margin Kasar

Kos
Diesal/Petrol
Pengangkutan
Upah pekerja
 Income Statement for Fourty Months Period
Bahtera Mega Sdn Bhd

Jualan RM RM Percentage
Semai dan Tanam 8,400,000.00
Racun dan Drone 14,994,000.00
Baja dan Drone 6,300,000.00
Upah Jentuai 2,695,000.00
Upah Pengangkutan 735,000.00
Jerami 6,240,000.00
Sekam padi 101,640.00

Restoran 3,809,000.00
Katering/Event Tempahan 4,392,000.00
Homestay 720,000.00 48,386,640.00

Kos Perbelanjaan Operasi -

Semai dan tanam 5,039,500.00
Racun 11,760,000.00
Kos Drone bagi Racun 992,250.00
Baja 4,760,000.00
Kos Drone bagi Baja 567,000.00
Upah Jentuai 592,900.00
Upah Pengangkutan 178,500.00
Jerami 1,800,000.00
Kos operasi jerami 3,500.00
Sekam padi 35,112.00
Kos operasi sekam padi 700.00
Opex bagi Projek Restoran/Katering 4,100,500.00
Opex bagi Projek Homestay 180,000.00 30,009,962.00
Untung Kasar 18,376,678.00 37.98%

Opex keseluruhan operasi syarikat -

- Gaji 200,000.00
- Utiliti 60,000.00
- Takaful 20,000.00
- Pengangkutan 40,000.00
- Lain-lain 200,000.00 520,000.00
Untung Bersih Sebelum Pembiayaan 17,856,678.00 36.90%

Kos Pembiayaan
Profit 2,257,116.54 2,257,116.54 4.66%

Untung Bersih Selepas Pembiayaan 15,599,561.46 32.24%