Titik Nur Pangesti

ESTIMATE OF CREDIT WITH ANALYSIS 7 P a. Personality is Assessing customers in terms of personality everyday behavior  and personality in the past b. Party is classify customers into specific groups based capital, l oyalty, and character.  c. Purpose is Knowing where the customer in taking credit, including credit types wanted. d. Prospect namely Assess customer business in the future Dating e. Payment is Measuring the extent to which customer repay loans that have been taken. f. Profitabillity namely Measure and analyze how well the customers for profit. g. Protection is Seeing the extent of the protection which loans are guaranteed protection.  

Types of credit in the review of various aspects  a. The types of loans based on usability, consisting of:  Credit investments, namely loans for investment purposes. Working capital loans, is loans for working capital purposes. b. The types of loans by purpose, consisting of: Credit productive, is loans granted to produce something (the production process), goods and services Consumer credit, is loans granted for personal use or used (consumed) itself Trade credit, is loans granted to traders c. The types of loans based on the period, consisting of: Short-term credit, is loans with a maximum term of one year or less than one year Medium-term loans,  is loans with a period of one to three years; nowadays many banks classify a period like this becomes a long-term credit Long-term loans, is loans with maturities of more than one or three years d. The types of loans based on collateral, consi...

  JENIS KREDIT DITINJAU DARI BERBAGAI SEGI a.        Jenis kredit berdasarkan kegunaan, terdiri dari : ·          Kredit investasi, yaitu kredit yang diberikan untuk keperluan investasi. ·          Kredit modal kerja, yaitu kredit yang diberikan untuk keperluan modal kerja. b.       Jenis kredit berdasarkan tujuan, terdiri dari : ·          Kredit produktif, yaitu kredit yang diberikan untuk menghasilkan sesuatu (proses produksi), baik barang maupun jasa ·          Kredit konsumtif, yaitu kredit yang diberikan untuk digunakan secara pribadi atau dipakai (dikonsumsi) sendiri ·          Kredit perdagangan, yaitu kredit yang diberikan kepada para pedagang c.        Jenis kredit berdasar...

Klasifikasi Aktivitas Arus Kas  Berdasarkan pernyataan Standar Akuntansi Keuangan No. 2 (PSAK No. 2), penyajian laporan arus kas   diklasifikasikan menurut aktivitas-aktivitas berikut :          1. Aktivitas operasi (operating activity) adalah aktivitas yang mencerminkan penerimaan dan pengeluaran kas utama perusahaan. Aktivitas operasi umumnya berasal dari transaksi yang mempengaruhi laba. Beberapa contoh arus kas dari aktivitas operasi : ·             Penerimaan kas dari penjualan barang dan jasa ·             Penerimaan kas dari royalty, fees, komisi, dan pendapatan lain. ·             Pembayaran kas pada pemasok barang dan jasa ·             Pembayaran kas kepada karyawan ·     ...

Bank Interest is the amount of money paid as compensation to what is obtained by using the money. Interest (Interest) is an acceptable result of the money invested. Interest is the amount of money  which can  be paid by the borrower (borrower) to the loan (lenders) any particular time outside the principal payments. Types : • Interest (simple interest) is the interest paid or generated only from the amount of principal borrowed and paid once a year. • Compound interest (compound interest) is interest paid or is derived from interest generated previously, as the principal borrowed / lent or interest is paid more than once.  

Capital Budgeting Profits Through Leasing   a. Flexible This means that the structure of the contract can be tailored to the needs of the company. b. Does not require collateral That is the legitimate right of ownership over the assets in lease and lease payment arrangements. c. Capital saving This means that the company did not provide substantial funds, only the down payment amount is not too large. d. Fast in service This means that leasing procedure is simpler and relatively faster in comparison to credit financing investment bank. e. Repayment of lease is required as operating costs. That is a direct lease payments as an expense in the determination count company's income. f. Shielded from inflation This means that lease can avoid the risk of a decrease in the value of money caused by inflation. g. The existence of an option for leassee at the end of the lease h. Their legal certainty This means that a leasing agreement can not be undone in a st...

1. Cash flow  If other things being constant, positive net cash flow will increase the cash in bank  2. Changes in working capital  The increase in assets lancer working capital such as inventory and accounts receivable are paid with cash because it is used to add inventory and accounts receivable  3. Fixed Assets  If the assets remain invested, the cash down, when companies sell then the cash will rise  4. Transaction and Dividend Payment  If a company issuing shares or bonds in the current year, the funds raised will improve its cash position.