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  • Jumlah Dana Jasa Giro (%) Biaya Dana

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    Rahmalia Fatchiatul
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    This document summarizes the interest rates and costs of various deposit accounts at Bank X: 1) Current accounts earn no interest up to 550,000 but incur fees above that amount, ranging from 4-7% interest on balances over 850,000. 2) Time deposits range from 6-12% interest depending on the deposit term, from 1-12 months. 3) Savings accounts pay 8-10% interest on balances of 750,000-1,100,000. The overall cost of funds for the bank is 5.72% after calculating a weighted average of the costs for each deposit product. The cost of loanable funds is 4.56% after applying a 5

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    Anggaran Perusahaan COF dan COL Leonabl Fund

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    140_COF&COLoanableFund

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    This document summarizes the interest rates and costs of various deposit accounts at Bank X: 1) Current accounts earn no interest up to 550,000 but incur fees above that amount, ranging from 4-7% interest on balances over 850,000. 2) Time deposits range from 6-12% interest depending on the deposit term, from 1-12 months. 3) Savings accounts pay 8-10% interest on balances of 750,000-1,100,000. The overall cost of funds for the bank is 5.72% after calculating a weighted average of the costs for each deposit product. The cost of loanable funds is 4.56% after applying a 5

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    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
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    4 views4 pages

    Jumlah Dana Jasa Giro (%) Biaya Dana

    Uploaded by

    Rahmalia Fatchiatul
    This document summarizes the interest rates and costs of various deposit accounts at Bank X: 1) Current accounts earn no interest up to 550,000 but incur fees above that amount, ranging from 4-7% interest on balances over 850,000. 2) Time deposits range from 6-12% interest depending on the deposit term, from 1-12 months. 3) Savings accounts pay 8-10% interest on balances of 750,000-1,100,000. The overall cost of funds for the bank is 5.72% after calculating a weighted average of the costs for each deposit product. The cost of loanable funds is 4.56% after applying a 5

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    © All Rights Reserved
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    of 4

    BANK X

    Simpanan Giro
    Jumlah Dana Jasa Giro (%) Biaya Dana
    550,000 - -
    850,000 4% 34,000
    900,000 6% 54,000
    1,050,000 7% 73,500
    3,350,000 161,500

    Simpanan Deposito Berjangka


    12bln / Tinkat Bunga Bunga
    Jumlah Dana Jangka Waktu /(12bln/j.waktu) Biaya Dana
    J.waktu (%)
    650,000 1 12 6% 0.005 3,250
    750,000 2 6 7% 0.01166666667 8,750
    700,000 3 4 8% 0.02 14,000
    900,000 6 2 11% 0.055 49,500
    1,000,000 12 1 12% 0.12 120,000
    4,000,000 Total 195,500

    Simpanan Tabungan
    Jumlah Dana Tingkat Bunga (%) Biaya Dana Cost Of Fund Tabungan= ( 170.000 / 1

    750,000 8% 60,000
    1,100,000 10% 110,000
    1,850,000 170,000

    Untuk mencari total Cost Of Fund, masing" sumberdana dihitung ratarata tertimbang.

    Total Cost Of Fund dari Keseluruhan SumberDana


    Sumber Dana Jumlah Dana Tingkat Biaya Dana Cost Of Fund Keseluruhan SumberDana
    Bunga (%) 526.797 / 9.200.000 ) x 100
    Giro
    3,350,000 0.048 160,800
    Deposito
    berjangka 4,000,000 0.049 196,000
    Tabungan 1,850,000 0.09189 169,997
    Jumlah 9,200,000 526,797

    untuk menghitung Cost of Loanable Fund , digunakanketentuan Reserve Requirement (RR) masing" 5%
    Cost of Loanable Fund
    Tingkat Bunga
    Sumber Dana Jumlah Dana RR (%) Loanable Fund Biaya Dana
    (%)
    Giro 3,350,000 0.05 3,182,500 0.048 152,760
    Deposito
    berjangka 4,000,000 0.05 3,800,000 0.048 182,400
    Tabungan 1,850,000 0.05 1,175,500 0.91 84,360
    Jumlah 9,200,000 8,158,000 419,520
    Cost Of Fund Giro= ( 161.500 / 3.350.000 ) x 100 % = 0.048209 4.80%

    Cost Of Fund Deposito Berjangka (


    195.500 / 4.000.000 ) x 100 % = 0.048875 4.80%

    Tabungan= ( 170.000 / 1.850.000 ) x 100 % = 0.0918919 9.18%

    uruhan SumberDana (
    6.797 / 9.200.000 ) x 100 % = 0.0572605 5.72%

    (RR) masing" 5%
    Cost Of Loanable Fund 0.0456 4.56%
    ( 419.520 / 9.200.000 ) x 100 % =

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