Scribd Logo
Upload

Welcome to Scribd!

  • Analisis Kredit

    Uploaded by

    Indah Nk
    3 views9 pages
    The document is a loan agreement between PT. Purnama and PT. Bank Satria. It outlines the terms of a Rp300,000,000 loan with a 1 year term at 12% interest. Collateral is a vehicle worth Rp350,000,000. Late payments incur a 0.5% penalty, and other fees include a 1% provision and Rp40,000 administration fee. Financial statements from 2017-2018 show PT. Purnama's assets, liabilities, revenues and profits increased during that period. Repayment is scheduled in 12 monthly installments.

    Original Description:

    hasil presentasi UKK

    Original Title

    PPT ANALISIS KREDIT

    Copyright

    © © All Rights Reserved

    Available Formats

    PPTX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Report this Document
    The document is a loan agreement between PT. Purnama and PT. Bank Satria. It outlines the terms of a Rp300,000,000 loan with a 1 year term at 12% interest. Collateral is a vehicle worth Rp350,000,000. Late payments incur a 0.5% penalty, and other fees include a 1% provision and Rp40,000 administration fee. Financial statements from 2017-2018 show PT. Purnama's assets, liabilities, revenues and profits increased during that period. Repayment is scheduled in 12 monthly installments.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    3 views9 pages

    Analisis Kredit

    Uploaded by

    Indah Nk
    The document is a loan agreement between PT. Purnama and PT. Bank Satria. It outlines the terms of a Rp300,000,000 loan with a 1 year term at 12% interest. Collateral is a vehicle worth Rp350,000,000. Late payments incur a 0.5% penalty, and other fees include a 1% provision and Rp40,000 administration fee. Financial statements from 2017-2018 show PT. Purnama's assets, liabilities, revenues and profits increased during that period. Repayment is scheduled in 12 monthly installments.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 9

    PT.

    PURNAMA
    IN’AM ZAKI WILDANI
    XII PKM
    PT.PURNAM PT.BANK SATRIA
    A

    Jaminan kendaraan OTR Jangka waktu satu Plafon kredit sebesar Biaya -
    bernilai Rp350.000.000,00 tahun (12 bulan) Rp300.000.000 Biaya

     Denda 0,5% jika terlambat bayar


     Bunga 12% (Flat)
     Provisi 1%
     Biaya Administrasi Rp40.000,00
     Biaya Materai Rp30.000,00
    Neraca Saldo PT. PURNAMA

    Nama Akun 2017 2018

    Aktiva Lancar Rp454.812.600,00 Rp500.293.860,00

    Aktiva Tetap Rp89.100.000,00 Rp98.010.000,00

    Total Aktiva Rp543.912.600,00 Rp598.303.860,00

    Total Kewajiban Rp316.800.000,00 Rp348.480.000,00

    Total Ekuitas Rp227.112.600,00 Rp249.823.860,00

    Total Pasiva Rp543.912.600,00 Rp598.303.860,00

    Full version

    Click here
    Laba Rugi PT. PURNAMA
    Nama Akun 2017 2018

    Pendapatan dari penjualan Rp174.240.000,00 Rp191.664.000,00

    Laba kotor Rp52.272.000 Rp57.449.200,00

    Laba bersih setelah pajak Rp30.354.280,00 Rp33.364.000,00

    Note : Pajak sebesar 0,5%

    Full version

    Click here
    Surat-surat yang digunakan selama kerjasama
    berlangsung

    Permohonan
    Permohonan
    Realisasi Kredit
    kredit
    Realisasi Kredit
    Analisa Rasio Finansial PT. PURNAMA

    RASIO TAHUN HASIL RATA- INTERPRESTASI


    RATA
    Rasio Likuiditas 2017 2,4% Baik
    2018 2,6% Baik
    Rasio Leverage 2017 0,75% Kurang baik
    2018 0,83% Kurang baik
    Rasio Aktivitas 2017 0,35% Baik
    2018 0,4% Baik
    Rasio Profitabilitas 2017 0,2% Kurang baik
    2018 0,26 Kurang baik
    Bulan Sisa Angsuran Angsuran Pokok Bunga Jumlah Angsuran Keterangan
    ke-
    1 300.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 1
    2 275.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 2
    3 250.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 3
    4 225.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 4
    5 200.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 5
    6 175.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 6
    7 150.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 7
    8 125.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 8
    9 100.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 9
    12%
    10 75.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 10
    11 50.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 11
    12 25.000.000,00 25.000.000,00 3.000.000,00 28.000.000,00 Angsuran ke 12
    Jml 0 300.000.000,00 36.000.000,00 336.000.000,00

    Schedul Pembayaran Angsuran


    PT. PURNAMA
    TANGGAL KETERANGAN DEBET KREDIT
    10 Maret Rek. Lawan kewajiban komitmen 300.000.000,00
    2018 Fasilitas kredit yang belum diberikan
    300.000.000,00
    10 Maret Giro PT. PURNAMA 2.300.000,00
    2018 Beban Materai 30.000,00
    Beban provisi kredit 1.500.000,00
    Beban notaris 300.000,00
    Beban asuransi 200.000,00
    10 April Kredit yang diberikan 300.000.000,00
    2018 Giro PT. PURNAMA 300.000.000,00
    10 April Fasilitas kredit yang belum diberikan 300.000.000,00
    2018 Rek. Lawan kewajiban komitmen 300.000.000,00

    10 Mei Giro PT. PURNAMA 28.000.000,00


    2018 Fasilitas kredit yang diberikan 25.000.000,00
    Pendapatan bunga kredit 3.000.000,00

    Jurnal Umum
    PT. BANK SATRIA
    SEKIAN & TERIMAKASIH

    You might also like