Monday, September 19, 2016
Aplikasi Persamaan Pada Bidang Bisnis (Keuangan)
Di Brankas kasir, jumlah lembar uang 10 ribuan 15 lembar lebih banyak dari jumlah lembar uang 5 ribuan, jumlah lembar uang 50 ribuan 2 kali lipat dari banyak dari jumlah lembar uang 10 ribuan, dan jumlah lembar uang 100 ribuan 30 lembar lebih sedikit dari jumlah lembar uang 50 ribuan. Total uang di brankas tersebut Rp 3.225.000. Berapa jumlah lembar masing-masing uang 5 ribuan, 10 ribuan, 50 ribuan dan 100 ribuan di brankas tersebut? Langkah-langkah: 1) Misal x=jumlah lembar uang 5 ribuan. 2) Bentuk persamaan. 3) Selesaikan persamaan tersebut.
Wednesday, September 7, 2016
INTEREST BASED ON THE LOWEST BALANCE, AVERAGE BALANVE, AND DAILY BALANCE
COMPARISON OF SAVINGS WITH INTEREST BASED ON THE LOWEST BALANCE, AVERAGE BALANVE, AND DAILY BALANCE
ABSTRACT
Generally, interest of money saved in a financial institution which is computed every month depends on balance of transactions and interest rate. In computing the interest, nowadays we recognize three interest computation methods those are: interest based on the lowest balance, average balance and daily balance.
The methods are commonly implemented in financial institutions especially in banks. They have different properties as well as give different results. Most debtors do not understand interest computation of their savings in financial institutions. They do not know interest rate and interest computation method implemented by financial institutions.
This paper discusses interest computation methods of savings especially comparing their properties and results. Spreadsheet package program was used to find the results.
In conclusions, the value of interest based on the lowest balance(ILB) is less sensitive to the value of row balances than the value of interest based on average balance(IAB) and interest based on daily balance(IDB). The value of IAB is the most sensitive to the fluctuation of interest rates. Computation of ILB is the simplest as it does not depend on all balances. Computation of IAB depends on balances of all rows however it does not cover interest rate fluctuations. Meanwhile, computation of IDB covers all row balances and the fluctuation of interest rates as well as able to implement multilevel interest rate although it is complicated. If the same interest rate is implemented to all methods, ILD gives the lowest result than IAB and IDB. The results of IAB and IDB will be the same if the interest rate is not fluctuated, conversely their results will be different.
Keywords: Saving, Interest computation, Lowest balance, Average balance, Daily balance
ABSTRACT
Generally, interest of money saved in a financial institution which is computed every month depends on balance of transactions and interest rate. In computing the interest, nowadays we recognize three interest computation methods those are: interest based on the lowest balance, average balance and daily balance.
The methods are commonly implemented in financial institutions especially in banks. They have different properties as well as give different results. Most debtors do not understand interest computation of their savings in financial institutions. They do not know interest rate and interest computation method implemented by financial institutions.
This paper discusses interest computation methods of savings especially comparing their properties and results. Spreadsheet package program was used to find the results.
In conclusions, the value of interest based on the lowest balance(ILB) is less sensitive to the value of row balances than the value of interest based on average balance(IAB) and interest based on daily balance(IDB). The value of IAB is the most sensitive to the fluctuation of interest rates. Computation of ILB is the simplest as it does not depend on all balances. Computation of IAB depends on balances of all rows however it does not cover interest rate fluctuations. Meanwhile, computation of IDB covers all row balances and the fluctuation of interest rates as well as able to implement multilevel interest rate although it is complicated. If the same interest rate is implemented to all methods, ILD gives the lowest result than IAB and IDB. The results of IAB and IDB will be the same if the interest rate is not fluctuated, conversely their results will be different.
Keywords: Saving, Interest computation, Lowest balance, Average balance, Daily balance
Saturday, July 23, 2016
REMIDI STATISTIKA PRODI S1 TERAPAN (D4)
REMIDI STATISTIKA PRODI S1 TERAPAN (D4)
AKUNTANSI MANAJERIAL
SENIN TANGGAL 25 JULI 2016 PUKUL 11.00 DI RUANG MULTIMEDIA GEDUNG AK
Yang Ikut Remidi:
KLS A, NIM 05, 73, 74, 80, 94, dan 107
KLS D, NIM 02, 44, 53, dan 63
PENGUMUMAN REMIDI
REMIDI STATISTIKA PRODI S1 TERAPAN (D4)
AKUNTANSI MANAJERIAL
SENIN TANGGAL 25 JULI 2016 PUKUL 11.00 DI RUANG MULTIMEDIA GEDUNG AK
Yang Ikut Remidi:
KLS A, NIM 05, 73, 74, 80, 94, dan 107
KLS D, NIM 02, 44, 53, dan 63
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