Tugas Ke dua Kapita Selekta Keuangan

Asset (use of find)	Liabilities (source Of find)
1. Cash reserve · Cash deposits · short-term bank deposits · money market instruments · Treasury Bills 2. Loan · Investasi · Bunga · Leasing · Komersial 3. Securities 4. Other Asset	1. Deposit · saving deposit (tabungan) · demand deposit ( giro) · time deposit ( deposit) 2. Securities · pinjaman holding · obligasi (pasar modal) · KLBI (kredit likuiditas BI) · bunga / interest 3. Capital · saham · Deviden · Capital Gain

Sumber : http://www.investorwords.com/782/cash_reserves.html

Tugas Ke Satu Kapita Selekta Keuangan

1.flat rate :
a. pokok pinjaman = 12,000 =2.000.000
6
b. bunga perbulan = 15% x 12.000.000 = 300.000
6

Periode	SPP	PP	Bunga Perbulan	Angsuran(PP+bp)
1	12,000,000	2,000,000	300,000	2,300,000
2	10,000,000	2,000,000	300,000	2,300,000
3	8,000,000	2,000,000	300,000	2,300,000
4	6,000,000	2,000,000	300,000	2,300,000
5	4,000,000	2,000,000	300,000	2,300,000
6	2,000,000	2,000,000	300,000	2,300,000
Jumlah		12,000,000	1,800,000	13,800,000

sliding rate

Periode	SPP	PP	Bunga Perbulan	Angsuran (PP+BP)
1	12,000,000	2,000,000	15% x 12,000,000=300.000 6	2.300.000
2	10,000,000	2,000,000	15% x 10,000,000=250.000 6	2.250.000
3	8,000,000	2,000,000	15% x 8,000,000 = 200.000 6	2.200.000
4	6,000,000	2,000,000	15% x 6,000,000 = 150.000 6	2.150.000
5	4,000,000	2,000,000	15% x 4,000,000 = 100.000 6	2.100.000
6	2,000,000	2,000,000	15% x 2,000,000 = 50.000 6	2.050.000

2. flat rate :
a. pokok pinjaman = 90.000.000 = 7.500.000
12
b. bunga perbulan = 24% x 90.000.000 = 1.800.000
12

Periode	SPP	PP	Bunga Perbulan	Angsuran (pp+bp)
1	90,000,000	7,5000,000	1.800.000	9,300,000
2	82,500,000	7,5000,000	1.800.000	9,300,000
3	75,000,000	7,5000,000	1.800.000	9,300,000
4	67,500,000	7,5000,000	1.800.000	9,300,000
5	60,000,000	7,5000,000	1.800.000	9,300,000
6	52,500,000	7,5000,000	1.800.000	9,300,000
7	45,000,000	7,5000,000	1.800.000	9,300,000
8	37,500,000	7,5000,000	1.800.000	9,300,000
9	30,000,000	7,5000,000	1.800.000	9,300,000
10	22,500,000	7,5000,000	1.800.000	9,300,000
11	15,000,000	7,5000,000	1.800.000	9,300,000
12	7,5000,000	7,5000,000	1.800.000	9,300,000
Jumlah		90,000,000	21,600,000	111,600,000

sliding rate :

Periode	SPP	PP	Bunga Perbulan	Angsuran (PP+BP)
1	90,000,000	7,5000,000	24% x 90,000,000=1.800.000 12	9.300.000
2	82,500,000	7,5000,000	24% x 82,500,000= 1.650.000 12	9.150.000
3	75,000,000	7,5000,000	24% x 75,000,000= 1.500.000 12	9.000.000
4	67,500,000	7,5000,000	24% x 67,500,000= 1.350.000 12	8.850.000
5	60,000,000	7,5000,000	24% x 60,000,000= 1.200.000 12	8.700.000
6	52,500,000	7,5000,000	24% x 52,500,000= 1.050.000 12	8.550.000
7	45,000,000	7,5000,000	24% x 45,000,000= 900.000 12	8.400.000
8	37,500,000	7,5000,000	24% x 37,500,000= 750.000 12	8.250.000
9	30,000,000	7,5000,000	24% x 30,000,000= 600.000 12	8.100.000
10	22,500,000	7,5000,000	24% x 22,500,000= 450.000 12	7.950.000
11	15,000,000	7,5000,000	24% x 15,000,000= 300.000 12	7.800.000
12	7,500,000	7,5000,000	24% x 7,500,000= 150.000 12	7.650.000