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{"id":3492,"date":"2023-10-12T16:59:19","date_gmt":"2023-10-12T09:59:19","guid":{"rendered":"https:\/\/nscpolteksby.ac.id\/dosen\/eko-tjiptojuwono\/?p=3492"},"modified":"2024-01-29T18:36:09","modified_gmt":"2024-01-29T11:36:09","slug":"sistem-dan-prosedur-kredit-2","status":"publish","type":"post","link":"https:\/\/nscpolteksby.ac.id\/dosen\/eko-tjiptojuwono\/2023\/10\/12\/sistem-dan-prosedur-kredit-2\/","title":{"rendered":"Sistem dan Prosedur Kredit"},"content":{"rendered":"\n

Macam-macam Sistem Bunga Kredit<\/p>\n\n\n\n

    \n
  1. SISTEM BUNGA FLAT<\/li>\n\n\n\n
  2. SISTEM BUNGA EFEKTIF<\/li>\n\n\n\n
  3. SISTEM BUNGA FIXED<\/li>\n\n\n\n
  4. SISTEM BUNGA FLOATING<\/li>\n<\/ol>\n\n\n\n

    Sistem Bunga Flat<\/p>\n\n\n\n

    Bunga Flat adalah sistem perhitungan suku bunga yang besarannya mengacu pada pokok hutang awal.
    Biasanya diterapkan untuk kredit barang konsumsi seperti handphone, home appliances, mobil atau kredit tanpa agunan (KTA).
    Dengan menggunakan sistem bunga flat ini maka porsi bunga dan pokok dalam angsuran bulanan akan tetap sama.
    Misalnya besarnya angsuran adalah satu juta rupiah dengan komposisi porsi pokok 750 ribu dan bunga 250 ribu. Maka, sejak angsuran pertama hingga terakhir porsinya akan tetap sama.<\/p>\n\n\n\n