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Givingback Co. report the composition of funds in the 2021 Financial Position Statement as follows:

Number	Fund Type	Total	Cost of Fund
1	Current Accounts	Rp164.000,00	0,53%
2	Savings	Rp160.000,00	1,42%
3	Time Deposit	Rp790.000,00	5,61%
4	Bond	Rp2.000.000	12,0%
5	Subordinated Loan	Rp2.500.000	11,0%

The collectibility of loans disbursed are: 1. Current 87%; 2. In attention 5%; 3. Substandard 4%; 4. Doubtful 3% and 5. Stuck 1%.

It is also known that personnel costs are Rp70,000, general and administrative costs are Rp115,000 and other costs are Rp3,500. It is also known that Givingback Co. marginal tax rate is 34%. The GMS sets a profit target to be earned Rp175,000.00

The Central Bank requires a reserve requirement for all banks of 8% in order to protect the banking system from systemic risk. The Central Bank also regulates general reserves of total earning assets at 1%. Special reserve for current productive assets 0%. Special reserve for earning assets under consideration 5% Special reserve for substandard earning assets 15%. Special reserve for earning assets is doubtful at 50% and special reserve for non-performing earning assets is 100%.

Please calculate: a. Cost of Fund Third Party Fund b. Cost of Fund all funds c. Cost of Loanable Fund Third Party Fund d. Cost of Loanable Fund all funds e. Overhead Cost f. Spread Fee g. Total Provision for Loan Losses h. Base Lending Rate

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