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Gagukesha Ekonomi Teknik

Gagukesha Ekonomi Teknik

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Published by: api-3828631 on Oct 18, 2008
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BAGIAN 1 : TENTANG CASHFLOW
\ue000 Simple I nterest vs Compound I nterest
Suatu Bank menawarkan Kartu Kredit dengan bunga 3 % per bulan Berapa
sesungguhnya tingkat bunga pertahunnya yang harus anda bayar ?
12 x 3 % = 36 % , ternyata tidak sesungguhnya bunga yang harus anda bayar
pertahun adalah sebesar 42,7 %.
\ue000 Simple Interest/ Bunga Sederhana
Bunga yang harus dibayar atas pengembalian pinjaman adalah proporsional dengan
lamanya waktu pinjam. Bunga/ Interest dihitung dengan cara sbb;
Bila I
besar bunga yang dihasilkan
P
prinsipal, besar uang yang dipinjam
n
periode bunga (interest period)
i
tingkat suku bunga (interest rate)
I = P xn x i
Misal, USD 100 dipinjam dengan ketentuan bunga sederhana 12 % pertahun, Pada
akhir tahun bunga yang harus dibayarkan adalah sebesar
I = USD 100 x 1 x 12 % = USD 12
Prinsipal plus bunga menjadi sebesar USD 112 yang akan jatuh tempo pada akhir
tahun.
Selanjutnya bila USD 100 ditabung selama 5 tahun dengan bunga 5 % pertahun
(simple interest) maka pertumbuhan investasi akan nampak sbb:
Year 1: 5% of $100 = $5 + $100 = $105
Year 2: 5% of $100 = $5 + $105 = $110

Year 3: 5% of $100 = $5 + $110 = $115 Year 4: 5% of $100 = $5 + $115 = $120 Year 5: 5% of $100 = $5 + $120 = $125

\ue000 Compound Interest/ Bunga Majemuk
I t's good to receive compound interest, but not so good to pay compound interest.
\ue000
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Compound Interest/ Bunga Majemuk, terjadi interest on interest atau bunga ber
bunga, bunga yang harus ditanggung untuk setiap periode ( satu tahun misalnya)
didasarkan pada sisa pinjaman ditambah setiap beban bunga yang terakumulasi

sampai dengan awal periode.
Apabila USD 100 ditabung selama 5 tahun dengan bunga 5 % pertahun (compound
interest), maka pertumbuhan investasi akan nampak sbb:

Year 1: 5% of $100.00 = $5.00 + $100.00 = $105.00 Year 2: 5% of $105.00 = $5.25 + $105.00 = $110.25 Year 3: 5% of $110.25 = $5.51 + $110.25 = $115.76 Year 4: 5% of $115.76 = $5.79 + $115.76 = $121.55 Year 5: 5% of $121.55 = $6.08 + $121.55 = $127.63

Nampak bahwa terjadi perbedaan nilai hasil investasi pada keduanya, pada tahun ke
lima misalnya akan nampak :
Year 5: 5% of $100 = $5 + $120
=$125
simple interest
Year 5: 5% of $121.55 = $6.08 + $121.55
=$ 1 2 7 .6 3 compound interest

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