Skip to main content

Types of Credit in The Review of Various Aspects

Types of credit in the review of various aspects 

a. The types of loans based on usability, consisting of:

  1.  Credit investments, namely loans for investment purposes.
  2. Working capital loans, is loans for working capital purposes.

b. The types of loans by purpose, consisting of:

  1. Credit productive, is loans granted to produce something (the production process), goods and services
  2. Consumer credit, is loans granted for personal use or used (consumed) itself
  3. Trade credit, is loans granted to traders

c. The types of loans based on the period, consisting of:

  1. Short-term credit, is loans with a maximum term of one year or less than one year
  2. 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
  3. Long-term loans, is loans with maturities of more than one or three years

d. The types of loans based on collateral, consisting of:

  1. Loans with collateral, namely the requirement to obtain credit must have certain guarantees, either movable property or other collateral.
  2. Loans without collateral, loans without any collateral in real terms.

e. The types of loans based on the business sector, consisting of:

  1. Credit the agricultural sector, namely loans to farmers.
  2. Loans industry sectors, namely credit that is provided to industry
  3. Credit the housing sector, namely loans for home ownership or other property
  4. Credit sector professions, namely loans granted to professional
  5. Credit mining sector, namely which credit is given to entrepreneurs engaged in mining.
  6. Credit education sectors, namely education loans

 

Comments

Post a Comment

Popular posts from this blog

PORTFOLIO TITIK NUR PANGESTI - CLICK HERE

Post a Comment
Read more

People Always Need Improvement

Yes, the idea of improvement is essential for personal and collective growth and development. Improvement implies progress, advancement, and positive change in various aspects of life. Here are some reasons why improvement is valuable: 1. **Personal Growth:** Improvement allows individuals to learn from their experiences, develop new skills, and overcome challenges. It enables self-discovery and helps people become the best version of themselves. 2. **Adaptation:** The world is constantly evolving, and improvement is necessary to adapt to changing circumstances, technologies, and social dynamics. Those who embrace improvement can better navigate life's uncertainties. 3. **Professional Success:** In the workplace, improvement is crucial for career advancement. Continuous learning and skill development can lead to increased opportunities and higher job satisfaction. 4. **Innovation:** Improvement drives innovation. Whether it's in science, technology, the arts, or any other field...
Post a Comment
Read more

Ilmu Akuntansi - Klasifikasi Aktivitas Arus Kas

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 ·     ...
Post a Comment
Read more