Makalah Budgeting

 %# ,9,7 -0,,3 ,3 2,8, ,8,,, 2,, ,,, 3 ,/, ,/,, :39: 9: 0/:,8 ,9,: 502-0, -0,,7,3 2,8,7 ,8,7,, ,,9 9 9039,3 9039,3  5039 50393 33 3, , 502 502,,2,3 ,,2,3 9039, 9039,3 3 ,3 ,3,7 ,7,3 ,3 ,70 ,703, 3, ,3, ,3,7,3 7,3 /,,2 ,,2 203039:,30,9,347,38,8,9,:507:8,,,38,3,9/-:9:,380-0:2202:,574808 ,3 /,3,2, /,3,2,,3 ,3 0,9,3 0,9,3,9,: ,9,: 574/:8 574/:8  ,, /,79: /,7 9: /507:,3 /507:,3 :, :, 502,,2,3 502,,2,3 ,3 203/,,2803,/,,2203:8:3,3,7,3/,5,9/03,3-,905,9/,3,:7,9/03,3 ,3,7,3 ,3,7,3 ,3 90, /808:, /808:,,3 ,3 ,3, ,3, /,7 8:,9: 0,9,3 0,9,3 /,,2 47,38,8,9,: 47,38,8,9,: :8,, :8,, 0. 0. 203 203,3 ,3 ,5 ,5 503 503:8 :8:3 :3,3 ,3 ,3, ,3,7,3 7,3 :7, :7,3 3 5039 50393 3  , , 3 3 /,5 /,5,9 2030 030-, -,- -,3 ,3 0:,3 :,3,3 ,3 5,/ 5,/, 47,3 7,38 8,8 ,8 ,9,: ,9,: 0, 0,9, 9,3 3 9078 907800-:9 807 8073 3 08: 08: 9, 9,3 3 /,,2 ,,2 203 03,9:7 9:7 0:,3,33 0:,3,333, 3, ,, ,, /,7 9: 503:8:3 503:8:3,3 ,3,3, ,3,7,3 7,38,3 8,3,9, ,9, 50393 50393 /,3 ,- ,- , 9/, 33,/,3,07:,3,9,:0:7,3,3/,,2203039:,30,9,3

 790 !03:8:3,3#03.,3, !03:8:3,3#03.,3,3,7,3!03 3,7,3!03:,,3 :,,3 3,7,3!03:,,3 3 3,7,3 ,7,3 503:, 503:,,3 ,3 207:5 207:5,,3 ,,3 ,3,7,3 ,3,7,3 ,3 ,3 8,3, 8,3,9 9 50393 50393 /,,2 /,,2 503039: 503039:,3 ,3 5740 57408 8 503 503:, :,,3 ,3 /,3 503 503,8 ,8,3 ,3 ,3 ,3 70,8 70,898 98 /,3 503/: 503/::3 :3 :9,2, :9,2, /,,2 /,,2 203: 203:8:3 8:3 703.,3, 703.,3, ,3,7,3 ,3,7,3 4257003 425700385 85 507:8,,, 507:8,,,3 3 $0-,- , ,3,7,3 ,3,7,3 503:,,3 503:,,3 -0781,9 -0781,9 9/, 70,898 70,898 8050794;07.43;/,3 8050794;07.43;/,3.0,9,:907,:507., .0,9,:907,:507.,, , /7 /7 2,,80-,,3 2,,80-,,3 -08,7-,,3/,7703.,3, -08,7-,,3/,7703.,3, ,-,080:7:,3:,,,3:99/,70,898 /,5 /,5: :3 /010 /0103 38 8 /,7 ,7 ,3 ,3,7,3 ,7,3 503: 03:, ,,3 ,3 9: 803/ 03/7 ,/, ,/,, , 3 3,7 ,7,3 ,3 ,3 ,3 2030 0307,3 7,3,3 ,3 80., 80.,7, 7, 9075 90750073 73. 903 9039,3 9,3 503 503: :,,3 ,,3 507: 507:88,, ,,,3 /2 /2,8, ,8, /,9, /,9,3 3 /2,3, 2,3, //,,23 //,,23, , ,/,703. ,/, 703.,3, ,3, 9039,3 9039,3 038 -,7,3 -,7,3 :2, :2, ,7, ,7, ,9: ,9: 8079, 9025,9 9025,9 503:,,3 503:,,3 -,7,3 3,7,3503:,,3507:/02-,3,3/03,3909,,7,3,7,3,3,7,34507,8 /,3 /,3 ,3,7,3 ,3,7,3 13,38 13,38, , 8,3 8,3 8 203 2038 8 /,3 8,3 8,3 202,39,: 202,39,: /,,2 /,,2 203 203:8:3 :8:3 703.,3, 703.,3, ,3 ,3,7 ,7,3 ,3 42 42570 57003 03885 5 , ,7 ,3 ,3,7 ,7,3 ,3 503 503:, :,, ,3 3 0- 0-  90 909 9 /,3 20, 0,3 3, ,3 3 2,, /507:,3%2!07,2,!03:,,3,3907/7/,7-0-07,5,,/,7-/,3/897-:8/,3 // //::3 ::3 40 40 , ,, ,  -/, -/,3 3 0:, 0:,3 3,3 ,3  574/: 574/:8 8  /,3 /,3 /,7 /,7 -/ -/,3 ,33 ,33, ,  !07,2 !07,2, ,,3 ,3 503:,,3,,3203,9,709503:,,3,3, 503:,,3,,3203,9,709503:,,3,3,,3/.,5,80-,,/,8,750 ,3/.,5,80-,,/,8,7503:,,3 3:,,3 $0-, $0-, 3 3, ,  703. 703.,3 ,3, , ,3 ,3,7 ,7,3 ,3 503 503:, :,,3 ,3 /,5,9 ,5,9 /50 507:3 7:3, ,,3 ,3 :39: :39:  203 203:8 :8:3 :3 502 502-:,9 :,9,3 ,3 -,,3 -,,3-, -,,3 ,3 /,7 /,7 ,3,7 ,3,7,3 ,3,3 ,3, ,7,3 7,3 ,33 ,33, , %::,3 %::,3 :9,2, :9,2, /,7 ,3,7,3 ,3,7,3 503:,,3,/,, 03:7,309/,5,89,3/2,8,/05,3 02,8:,350792-,3,305:9:8,3 02,8:,350792-,3,305:9:8,32,3,0203/,,2574808 2,3,0203/,,257480850703.,3,,3 50703.,3,,3 02-07,331472,8/,,2574195,33.43974 &39:2025072:/,50303/,,3503:,,3 O O O O

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:383,7,3!03:,,3 :38 /,7 :38

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%,,59,,5!07,2,,3!03:,,3 %,,59,,5507,2,,3503:,,3/,5,9/-, %,,59,,5507,2,,3503:,,3/,5,9/-,,9,8-0-07,5,,3,8,80-, ,9,8-0-07,5,,3,8,80-,,-07:9 ,-07:9  3,8,503:,,3 3, 3,8, 8, 503 503:, :,, ,3 3 5,/, 5,/, 2,8, ,8, ,3 ,3 ,: ,:  207:5 207:5, ,,3 ,3 ,3, ,3,8, 8, -:,3 -:,3,3 ,3  :,7 :,79, 9,,3 ,3  9,:3 9,:3,3 ,3 ,9,: ,9,:5: 5:3 3 97: 97:,3 ,3 /,3 5,3. 5,3., , 9,: 9,:3, 3,3 3 ,3 -07: -07:-:3 -:3 ,3 /03 /03,3 ,3 ,3, ,3,8 8, , 574/: 574/: /,07, /,07, 502,8,7,3 502,8,7,3  ,3,3 ,3,3,3 ,3 2,:5:3 2,:5:3 508,3,3 508,3,3 ,9,8 -,7,3-,7,3-,7,3 ,7,3  3,8, 3,8, 503 503: :,,3 ,,3 ,/,, ,/,,  8:,9 8:,9: : ,3, ,3,8, 8, 9039,3 9039,3  503 503:, :,,3 ,3 ,3 ,3 -07 -07::-:3 :3 ,3 07,9 07,9 /03 /03,3 ,3 /,07,502,8,7,3574/:,3,3,3508,3,3/,3,3,3  3,8,1:38574/:8 3,8,1:38574/:8207:5,,302,25:,32,3,0203/,,2503,,31,947 1, 1,947 947 574/: 74/:8 8 ,3 ,3 90780 90780/ /, , 203, 03,/ / 574/ 574/:8 :8  803 803 , , 90780 90780/ /,3 ,3, , :,39 :,399 9,8 ,8 503:,,3 503:,,3 907,39:3 907,39:3 05,/, 05,/, :,399, :,399,8 8 574/:8 574/:8 ,3 ,,3 /,8,3 /,8,3 808:, 808:, /03,3 /03,3 1,9471,947574/:8,390780/,

094/0!07,2,,3!03:,,3

094/0507,2,,3503:,,3,3/,5,9/:3,,3/,,73507:8,,,3,/,,-,3, 80, 80,  8050 805079 79 2094 2094/0 /0 42 42548 5488 8 903, 903,, , 503 503:, :, 2094 2094/0 /0 453 53 5,7, 080 080:9 :91 1 2094/ 2094/0 0 89,98 89,989, 9, 507,2, 507,2,,3 ,3 503:, 503:,,3 ,3  %,5 %,5 ,3 ,3 5,3 5,3 8073 8073 /:3, /:3,,3 ,3 ,/,, ,/,, 2094/0 2094/0 :,/ :,/7,9 7,9 9070 9070. . ,9,: ,9,: 0- 0- ,2 ,2 /80/80-:9 :9 /03,3 /03,3 2094/0 2094/0 9703/ 9703/ 03,3 03,3 20250 202507:3 7:3, ,,3 ,3 2094/0 2094/0 :,/7 :,/7,9 ,9 9070. 9070.  3 3 507:8 507:8, ,,,3 ,,3 ,,3 ,,3 /,5,9 /,5,9 20,: 20,:,3 ,3 5079: 5079:3 3,3 ,3 507,2, 507,2,,3 ,3 503: 503:,,3 ,,3 574/ 574/: : 507:8, 507:8,,, ,,3 3 20,: 20,:  /:, /:, 2,.,2 2,.,2 -039: -039: ,9: ,9: -039: -039: 307 307,7 ,78 8 :7:8 :7:8 /,3 -039: -039: :,/7,9, :,/7,9,78 78 :7:8 :7:8 /,3 -039: -039: :,/7,9, :,/7,9,78 78 03:3 03:3 039: 039: 2,3, 2,3, ,3 ,,3 /:3,,3 /:3,,3 40507:8,,,3907,39:3/,7-039: 40507:8,,,3907,39:3/,7-039:2,3,,35,3808: 2,3,,35,3808:,/03,343/8,3 ,/03,343/8,3-07,: -07,: /507:8,,,38,,93 /,5:3 /,5:3 -039: -039: :2:2 /,7 /,7 9703/ ,78 ,78 :7:8 :7:8 /,3 ,78 ,78 03:3 03:3 ,3 8073 8073 /507:3, /507:3,,3 ,3 :39:503:8:3,3507,2,,3503:,,3 :39:503:8:3,3507,2,,3503:,,3574/:507:8,, 574/:507:8,,,390780-:9,/,,80-,,-0 ,390780-:9,/,,80-,,-07:9 7:9 ,-:39:9703/,78:7:88079, ,-.:39:9703/,7803:3 2,3,  ;,7 ;,7,,-00 ,3 ,3 ,,3 ,,3 /7,2, 7,2,, ,3 3 /,,2 ,,2 , , 3 3 ,/, ,/,, , 507, 507,2 2,,3 ,,3 503 503: :,,3 ,,3 574/ 74/: 507:8,,,3 ,4389,39,,3,,3203:3:,3 ,4389,39,,3,,3203:3:,3-08,73,,7,,5,-,8 -08,73,,7,,5,-,8,2,/03,334 ,2,/03,334 -;,7,-0507 -;,7,-0507 ,9: 203:3: 203:3:,3-08,2,507:-, ,3-08,2,507:-,,33, ,33, /,3809,5 507:-,,3 507:-,,3 8,9: :39  :39 :39 ,9: ,9: ,3 ,3 /,5,9 /,5,9 /3, /3,9,,3 9,,3 /03,3 /03,3 23 23: : -:,3 -:,3  8020890 80208907 7 9,:3 9,:3 /,3 ,33 ,33, , 907,39:305,/,0808:,,3/,7507:8,,,39:803/7

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      

3,7,32030892,8549038,-,8,9:,3-838 3,7,3/3,9,,3/,,289,2430907,,:5:3:2,2430907/,5,98,, /9:3,340:2,3432430907288, /9:3,340:2,3432430907288,3,:39,3 3,:39,3/:,,9,:/574/:8 /:,,9,:/574/:8 03.,:55074/08,9:9,:3 3,7,3207:5, 3,7,3207:5,,3 ,3 429203 429203 2,3,0203 ,3,0203 2,3,07805,, 2,3,07805,,9 9 :39: 2030220302-,3 ,3 9,3:3,,-,9,8503.,5,,39::,3,3/,3,7,3 ,3,7,3 /90,,/,3/809:: /90,,/,3/809::40 40 49479,8 49479,8 ,3 0- 93 93092 092-,3 -,3 &8:,3 ,3,7,3 405,,3203,3,7,3-:/0900 405,,3203,3,7,3 -:/0900 09:/809::,3,7,3,3,/,5 09:/809::,3,7,3,3,/,5,9/:-,/,,243/8 ,9/:-,/,,243/8,3/909,5,3 ,3/909,5,3 $0.,7, $0.,7, -07,, -07,, 307, 307, 13,38, 13,38, 808:3: 808:3:3, 3, /-,3/3,3 /-,3/3,3 /03,3 /03,3 ,3,7,3 ,3,7,3 /,38083,/,3,88/,3/0,8,3

%::,3!443,7,3

O

O

02570/8 02570/8  97,38,8 97,38,8 /,30 /,3 0,/,3 ,/,3 13,38, 13,38, 8079,343 13,38,/ 13,38,/ 2,8, 2,8, ,3 ,,3 /,9,3 0302-,3,331472,8,3 0302-,3,331472,8,3,:7,9/,3-072,3,-, ,:7,9/,3-072,3,-,503072,,3,7,3 503072,,3,7,3

,31,,9!03,3,7,3

3,7,3203:3:,305,/,2,3,0203 O

3,,-,,3/003/,40507:8,,,3

O

O

$:2-0 $:2-07 7 /,, ,, ,3 ,3 /,7, ,7,5 5,3 ,3 /,5,9 ,5,9 /, /,8 8 ,3 ,3 ,9,: ,9,: /: /:3, 3,,3 ,3 80,2 80,2, , 5074/ 5074/0 0 ,3,7,3,3,,3/,9,3 02-07,3,3/,8,3:39:503,2-,3 02-07,3,3/,8,3:39:503,2-,305:9:8,3,9073,91,3 05:9:8,3,9073,91,3907-, 907-,

0907-,9,8,3!03,3,7,3 O

O

O

O

O

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8902!03,3,7,3:39:9;9,8838 9;9,8838  $8902!03,3,7,3:39: %07/,5,9025,9,3.,3,3 %07/,5,9025,9,3.,3,3/,8,7907,/,5 /,8,7907,/,5,3,7,3 ,3,7,3

   

!03,3,7,33702039, !03,3,7,3-,8834 !03,3,7,3$9,9/,3 !03,3,7,3108-0

3,7,33702039,3.702 3,7,33702039,3.702039,:/09 039,:/09

,3 ,3 2094/ 2094/0 0 ,3,7,3 ,3,7,3 ,3 ,3 ,3, ,3, 20250 20250792 792-,3 -,3 ,3 ,3 507:-, 507:-,,3 ,3 8:2-07 8:2-07 /,, /,, /,7 /,7 ,3, ,3,7,3 7,3 9,:3 9,:3 80-0: 80-0:23 23, , ,,2 ,,2 , 3 3 ,3,7,3 ,3,7,3 80-0 80-0:23 :23, , -071:3 -071:38 8 80-,, 80-,, ,3/,8,3-,503,3,7,38:2-07/,,3702039, 0:3 0:3:,3 :,3 ,3.,3 ,3.,3,3 ,3 37020 3702039, 39, ,/,, ,/,, - ,3.,3 ,3.,3,3 ,3 3 3 2030 2030/07 /07,3, ,3,,3 ,3 574808 574808 503,3,7,3/03,3,3,20250 503,3,7,3/03,3,3,2025079:3,303,,3-07-,,54 79:3,303,,3-07-,,548,3,7,3 8,3,7,3 002,,33,,/,,-,,502-4748,3/,33018038/,5,9203:25:/,79,:30 9,:39,35,5073,/09,: 3,7,3,884074,80/ 3,7,3,884074,80/:/09 :/09

,,2 ,,2 503,3 503,3 ,7,3 ,7,3 3 3 802:, 802:, ,,7 ,,7,3 ,3 2,3,0 2,3,020 203 3 -0794 -0794, , /,7 /,7 34 34 /,3 2030 2030892 892,8 ,8 0-:9:,38:2-07/,,,3/50 0-:9:,38:2-07/,,,3/507:,3:39:203/,3, 7:,3:39:203/,3,,9;9,8,9;9,89,:3,3,7,3 ,9;9,8,9;9,89,:3,3,7,3

3,7,3$ 9,9$9,9.:/09

,3207:5,,3,3.,3,3,3/5,,40-,3,507:8,,,3,8,/,3,/,-,3,1:38 ,8,503/::3805079-,,3502 ,8,503/::3805079-,,3502-0,3-,,3,:39,38/,3 -0,3-,,3,:39,38/,3-,,3::2 -,,3::2

3,7,308-00-0:/09

3 3,7 ,7,3 ,3 3 3 203 203, ,9 9,3 ,3 ;4: ;4:2 20 ,9 ,9; ;9, 9,88 /03 /03,3 ,3 :2 :2, 7:5, 7:5,  ,3 ,3 /,3 ,3, ,7 7,3 ,3  072,31,,9907:9,2,/,,2203,87/,3 072,31,,9907:9,2,/,,2203,87/,320303/,,3-,,5,-7 20303/,,3-,,5,-7/,3-0-,34507,8 /,3-0-,34507,8 /,9,0:3,,3/,7,3 /,9,0:3,,3/,7,3,7,33,3 ,7,33,3 O

O

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,5,9/5,,:39:207:2:8,3,3,7,380-0:2,/,3,/,9,9,87,393,9 ,9;9,8 ,5,9 ,5,9 /5, /5,, , 8090, 8090, ,/,3 ,/,3, , /,9, /,9, :39: :39: 203 2039:3 9:3 -07,5, -07,5, 80,7: 80,7:83 83, , -,, -,, :39:93,9,9;9,8,9:, 02-,39:2,3,020 02-,39:2,3,0203 3 /,,2 /,,2 203,/ 203,/,5 ,5 09/, 09/, 5,89,3/03,3 5,89,3/03,3 202,25:,3 202,25:,3 2070,:39:20,99,87,3,8/,,28,7,3,9;9,89079039:

!03:8:3,33/:3,7,3 ,8907:/09

3/: 3/: 3,7,3 3,7,3 ,8907 ,8907 :/09 :/09 ,/,, 80-:, 80-:, ,3,7,3 ,3,7,3 4257003 425700381 81 ,3 ,3 203,9,,3 203,9,,3 080:7:,3703.,3,-838-,80:7:507:8,,,3:39:8:,9:5074/0,3203.,:58,9: 9,:3,9,::7,3 3/:3,7,3907/7,9,8/:,4254303:9,2,,3  

3,7,34507,8/,3 3,7,30:,3,3

3,7,3 3,7,3 507,8 507,8 207:5, 207:5,,3 ,3 /08758 /08758 73.503/ 73. 503/,5,9, ,5,9,3 3 /,3 -,, -,, ,3 /-:9:,3 /-:9:,3 :39: 203.,5,,8,-,,3202:,8,3 3 3,7 ,7,3 ,3 0:,3 0:,3,3 ,3 202 202507 507 ,9,3 ,9,3 0850 08509 9,8 ,8  ,7:8 ,7:8 ,8 /,3 /,3 548 5488 8 0:,3 0:,3, ,3 3 /03 /03,3 ,3 0,9,30,9,3:8,,,390703.,3, 3/:3,7,3:39:80-:, 3/:3,7,3:39:80-:,507:8,,,35,-7,8, 507:8,,,35,-7,8,,3-078,3,7,3-0 ,3-078,3,7,3-07:9 7:9 &# 3,7,3 507,8

3,7,3 0:,3,3

3 !03:,,3

3,7,3 5030:,7,3 24/,

3 !74/:8

3,7,3 ,8

3 3 ,: ,38:3

,547,3 ,-, #: /,3,7,3

3 %03,, 07, 8

07,., ,3,7,3

3 ;070,/ 5,-7,8 3 !0780/ 7 ,7,3 ,/ 3 0-,3 ! 03:,,3  /2

3,7,3!03:,,3

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