Kamis, 31 Maret 2011

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



Senin, 21 Maret 2011

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