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  • 01 Rate-Interest Flat+Effective Mhs 02 (12!10!2023)

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    DENI JAENUDIN
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    4 views11 pages

    01 Rate-Interest Flat+Effective Mhs 02 (12!10!2023)

    Uploaded by

    DENI JAENUDIN

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 11

    INTEREST_BUNGA BANK

    1. Simple Interest - Bunga Sederhana - FLAT


    2. Effective Interest - Bunga Efektif
    3. Compound Interest - Bunga Kompon - Bunga Majemuk

    SIMPLE INTEREST_Bunga SEDERHANA (BUNGA FLAT) = 10% per year


    Debt principal_Jumlah pokok hutang
    Monthly principal installment_Jumlah pokok per bulan yg hrs dibayar= (Principal/12)
    Monthly interest_Jumlah bunga per bulan yg hrs dibayar= (Principal x 10% /12)

    # Number Installment_Angsuran ke

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12

    EFFECTIVE INTEREST_Bunga EFEKTIF = 10% per year


    Debt principal_Jumlah pokok hutang
    Monthly principal installment_Jumlah pokok per bulan yg hrs dibayar= (Principal/12)

    # No Installment_Angsuran ke

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12

    COMPOUND INTEREST_
    BUNGA MAJEMUK
    Accounting calculations_
    Hitungan Akuntansi

    P income-masuk 120
    P expenditure-keluar 119.982557276709
    1.50000%
    Hitunglah P, ***
    18.0000%
    Jika diketahui A
    …compound
    Kode (P/A, r%,interest…..bunga
    n) kompon….
    Rumus: (1+r)n – 1
    ..find P, in known A....
    P = A.[------------ ]
    ..hitung P jika diketahui A ...
    r.(1+r)n
    120 juta
    10 juta per month
    1 juta per month

    Monthly
    Monthly Installment
    principal
    interest_ amount_Jumlah
    installment_
    Bunga, 10% Angsuran
    Pokok
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    Sum 132 Selisih-Difference 12 …interest-bunga…
    Simple-Flat interest - bunga sederhana 10%

    120 juta
    10 juta per month

    Monthly
    Installment
    principal Book value_ Monthly interest_
    Debt principal amount_Juml
    installment_ Sisa Pokok Bunga, 10%
    ah Angsuran
    Pokok
    120 10 120 1.000 11.000
    10 110 0.917 10.917
    10 100 0.833 10.833
    10 90 0.750 10.750
    10 80 0.667 10.667
    10 70 0.583 10.583
    10 60 0.500 10.500
    10 50 0.417 10.417
    10 40 0.333 10.333
    10 30 0.250 10.250
    10 20 0.167 10.167
    10 10 0.083 10.083
    Sum 126.500

    EFFECTIVE INTEREST_is never used

    0 1 2 3 4 5
    120 -11 -11 -11 -11 -11
    A A A A A

    (P income) - (P expenditure)=0
    0.017442723291 …..close to zero-NOL….
    per month …trial-error….
    per year

    COMPOUND INTEREST_
    BUNGA MAJEMUK
    …..is widely used in bank and others…
    …interest-bunga…
    INTEREST_is never used anymore

    6 7 8 9 10 11 12 month
    -11 -11 -11 -11 -11 -11 -11
    A A A A A A A
    INTEREST_BUNGA BANK
    1. Simple Interest - Bunga Sederhana - FLAT
    2. Effective Interest - Bunga Efektif
    3. Compound Interest - Bunga Kompon - Bunga Majemuk

    SIMPLE INTEREST_Bunga SEDERHANA (BUNGA FLAT) = 10% per year


    Debt principal_Jumlah pokok hutang
    Monthly principal installment_Jumlah pokok per bulan yg hrs dibayar= (Principal/12)
    Monthly interest_Jumlah bunga per bulan yg hrs dibayar= (Principal x 10% /12)

    # No Installment_Angsuran ke

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12

    EFFECTIVE INTEREST_Bunga EFEKTIF = 10% per year


    Debt principal_Jumlah pokok hutang
    Monthly principal installment_Jumlah pokok per bulan yg hrs dibayar= (Principal/12)

    # No Installment_Angsuran ke

    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12

    COMPOUND INTEREST_
    BUNGA MAJEMUK
    Accounting calculations_
    Hitungan Akuntansi # Month

    P income-masuk 120

    P expenditure-keluar 119.98
    =11*((1+r)^12-1)/(r*(1+r)^12)
    1.50%

    ..find P, in known A....


    ..hitung P jika diketahui A ...
    120 juta
    10 juta per month
    1 juta per month

    Monthly
    Monthly Installment
    principal
    interest_ amount_Jumlah
    installment_
    Bunga, 10% Angsuran
    Pokok
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    10 1 11
    Jumlah 132

    120 juta
    10 juta per month

    Monthly Installment
    principal Book value_ Monthly interest_ amount_
    Debt principal
    installment_ Sisa Pokok Bunga, 10% Jumlah
    Pokok Angsuran
    120 10 120 1.0000 11
    10 110 0.9167 11
    10 100 0.8333 11
    10 90 0.7500 11
    10 80 0.6667 11
    10 70 0.5833 11
    10 60 0.5000 11
    10 50 0.4167 10
    10 40 0.3333 10
    10 30 0.2500 10
    10 20 0.1667 10
    10 10 0.0833 10
    Jumlah 126.5

    EFFECTIVE INTEREST_is never used

    0 1 2 3 4 5
    120 -11 -11 Hitunglah
    -11 P, -11 -11 ***
    Jika diketahui A
    Kode (P/A, r%, n)
    (P income) - (P expenditure)=0 Rumus: (1+r)n – 1
    0.01744 …..must close to zero-NOL…. P = A.[------------ ]
    r.(1+r)n
    per month …trial-error….
    per year

    COMPOUND INTEREST_
    BUNGA MAJEMUK
    …..is widely used in bank and others…
    NTEREST_is never used anymore

    6 7 8 9 10 11 12
    -11 -11 -11 -11 -11 -11 -11

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