Sistem Informasi Perbankan Perhitungan Bunga Kredit

Soal.

 

Pada tanggal 20 Maret 2019 Tuan Andi mendapat persetujuan pinjaman  senilai Rp. 16.500.000  untuk jangka waktu 3 bulan. Bunga yang dibebankan sebesar 15% pa. Hitunglah cicilan setiap bulannya jika di hitung dengan metode Sliding Rate Bulanan.

Jawab :

Langkah pertama adalah menghitung cicilan pokok pinjaman

Jadi cicilan pokok setiap bulan adalah Rp 5.500.000,- (Flad dan sliding rate)

Metode Flat Rate

Pembebanan bunga setiap bulan tetap dari jumlah pinjamannya, demikian juga angsuran (cicilan) pokok juga akan tetap sampai pinjaman lunas

Jadi cicilan bunga dan pokok total Rp 6.325.000,- setiap bulan selama 3 bulan

Metode Sliding Rate

Pembebanan bunga setiap bulan akan disesuaikan dengan sisa pinjamannya, sehingga angsuran (cicilan) bunga akan menurun seiring dengan berkurangnya nilai pinjaman. Perhitungan Bunga bulan Pertama:

Jadi cicilan bunga dan pokok untuk bulan pertama adalah Rp 6.325.000,-

Perhitungan Bunga bulan Kedua Karena bulan pertama sudah membayar 5.500.000,- maka pokok pinjaman jadi sisa 11.000.000,-

Jadi cicilan bunga dan pokok untuk bulan kedua adalah Rp 6.050.000,-

Perhitungan Bunga bulan Ketiga Karena bulan pertama sampai kedua sudah membayar 11.000.000,- maka pokok pinjaman jadi sisa 5.500.000,-

Jadi cicilan bunga dan pokok untuk bulan ketiga adalah Rp 5.775.000,-

Perbandingan Hasil

Terdapat Selisih dari kedua metode

→18.975.000 – 18.150.000 = 825.000,-

Sistem Informasi Perbankan Internal Control

Pengendalian aplikasi (appliaction controls) adalah sistem pengendalian intern (internal control) pada sistem informasi berbasis teknologi informasi yang berkaitan dengan pekerjaan/ kegiatan/aplikasi tertentu (setiap aplikasi memiliki karakteristik dan kebutuhan pengendalian yang berbeda).
  Contoh pada ATM adalah jika nasabah ingin mengambil uang di ATM,maka nasabah akan memasukan kartu ke dalam ATM kemudian akan diminta memasukkan PIN atau setelah memasukkan nilai uang yang akan di ambil,ATM akan mengecek apakah saldo yang kita miliki cukup atau tidak atau jumlah yang diizinka dengan ketentuan dari Bank.

  Pengendalian berupa PIN dan limit pengambilan uang tersebut hanya berlaku di ATM,tidak berlaku di kegiatan lain.Sama hal nya ketika ingin men-transfer uang ke orang lain maka nilai uang yang akan di transfer apakah sesuai dengan saldo yang kita miliki atau tidak atau jumlah yang diizinkan dengan ketentuan dari Bank.

TASK 9: THE USE OF HAVE AND BE

TASK 9: THE USE OF HAVE AND BE

1. In colonial times, flax and wool required months of preparation before they could be dyed and spin into cloth.

A. In

B. required

C. could

D. spin

2. Playwright Frank Shin has often describes the lives of Chinese Americans in his dramas.

A. Playwright

B. describes

C. lives

D. dramas

3. Cans of paint must be shaking to mix the pigments with the medium in which they are suspended

A. shaking

B. mix

C. in which

D. suspended

4. Beavers continuously repair the dams they have build.

A. continuously

B. repair

C. they

D. build

5. Each of the four types of human tooth are suited for a specific purpose.

A. of the

B. tooth

C. are suited

D. specific

6. Alice in Wonderland, first published in 1865, has since being translated into thirty languages.

A. published

B. has

C. being

D. translated

7. The Peace Corps was establish on March 1, 1961, by then President John F. Kennedy.

A. was

B. establish

C. by

D. then

8. The advisor told himself, while listening to the speech, that a dozen other reporters would has already asked that question.

A. told

B. listening

C. would has

D. asked

9. Before he died, Linus Pauling had wins two Nobel Prizes: the 1954 Nobel Prize in Chemistry and the 1962 Nobel Peace Prize.

A. wins

B. two

C. Nobel Prizes

D. in Chemistry

10. Nails are commonly make of steel but also can contain substances such as aluminum or brass.

A. are

B. make

C. can

D. contain

11. On the huge Ferris wheel constructed for a world exhibition in Chicago in 1893, each of the thirty-six cabs could held sixty people.

A. huge

B. constructed

C. each

D. held

12. A patient suffering from amnesia may had partial or total loss of memory.

A. suffering

B. may

C. had

D. loss

13. Electrical impulses may also picked up by the optic nerve.

A. impulses

B. may

C. picked

D. by the optic

14. Before the speaker finished, many guests had rose from their seats and started for the door.

A. finished

B. rose

C. their seats

D. started

15. He thought that he should have be invited to attend the conference.

A. should

B. be

C. invited

D. to attend

TASK 8: Errors in Adjective and Adverb

1. Liberal arts colleges cultivate general intellectually abilities rather than technical or professional skills.

A. cultivate

B. intellectually

C. abilities

D. professional

2. Goats are extremely destruction to natural vegetation, and are often responsible for soil erosion.  

A. destruction

B. natural

C. vegetation

D. erosion

3. Telegraph service across the Atlantic was successful established in 1866.

A. service

B. across

C. successful

D. established

4. The Earth's out shell is divided into sections called plates, which are constantly in motion.

A. out

B. divided

C. constantly

D. motion

5. Black bears can move rapidly when necessary and are skillful tree-climbers for their size and weigh.

A. necessary

B. necessary

C. skillful

D. weigh

6. Peach trees grow good in a variety of soil types, but do best in sandy loam.

A. grow

B. good

C. variety

D. sandy

7. Philosopher Theodore A. Langerman was interested in the fields of literary and music.

A. Philosopher

B. interested

C. literary

D. music

8. Modern art is on display at the Guggenhein Museum, a building with an unusually design.

A. Modern

B. display

C. a building

D. unusually

9. Heart attacks are fatally in 75 percent of occurences.

A. heart attacks

B. fatally

C. percent

D. occurences

10. A serious problem is how to communicate reliable with a submerged submarine.

A. serious problem

B. how

C. realiable

D. submerged