Tugas Komputer Lembaga Keuangan Perbankan

April 6, 2011 at 3:13 pm (Uncategorized)

Tugas Komputer Lembaga Keuangan Perbankan
NAMA :ROMY ADITYA
KELAS : 3EA11
NPM : 11208106
MATA KULIAH : KOMPUTER LEMBAGA KEUANGAN PERBANKAN

Atun ( Tabungan, 10 %, Harian )
4/3 Sektor tunai Rp. 10.000.000,-
8/3 Pinbuk debet Rp. 5.000.000,-
18/3 Pinbuk kredit deposito Totok Rp. 4.000.000,-
25/3 Pinbuk kredit tabungan Joko Rp. 8.000.000,-
29/3 Pinbuk debet giro Tutik Rp. 2.000.000,-
30/3 Pinbuk kreditcek Ani Rp. 5.000.000,

30/3
SITI

KARMAN
Cek Tn A Rp. 3.000.000,-
Cek Tn B Rp. 4.000.000,-
B/G PT C Rp. 6.000.000,-
B/G PT D Rp. 5.000.000,-

Nota Kredit Rp. 10.000.000,-

Cek Ani Rp. 5.000.000,-
Cek Jasa Rp. 6.000.000,-
Cek Toni Rp. 8.000.000,-
B/G PT. X Rp. 12.000.000,-
B/ G PT.Y Rp. 10.000.000,-
Tolak :
Cek Tn B
B/G PT

Tolak :
Cek Joko
B/G PT Y

SITI 1/3
ASSET

PASIVA
Kas Rp. 50.000.000,-
R/K pada BI Rp. 70.000.000,-

Loan Rp. 400.000.000,-
Securities Rp. 30.000.000,-
Other Asset Rp. 50.000.000,-

Tabungan Rp. 150.000.000,-
Giro Rp. 120.000.000,-
Deposito Rp. 230.000.000,-

Securities Rp. 50.000.000,-

CAPITAL
Total : Rp. 650.000.000,-

Total : Rp. 650.000.000,-
ü Tabungan (10%)
ü Deposito (12%)
ü Giro (8%)
ü Kas 10%
ü RR 8%
ü Loan 100%
ü KUK 20%
ü Loan 18%
ü KUK 20%
ü Loan 18%
ü KUK 10%
Kasus !
1. Fortofolio Siti ¼ ?
2. Bungan Deposit dan Bunga Kredit?
3. Profit ?
4. Hasil Kliring ?

JAWABAN:
REKAPITULASI TABUNGAN ATUN
Tanggal

Jurnal

Debet

Kredit
4/3

Rp. 10.000.000,-

Kas

Rp. 10.000.000,-

Tabungan Atun

Rp. 10.000.000,-
8/3

Rp. 5.000.000,-

Tabungan Atun

Rp. 5.000.000,-

Giro

Rp. 5.000.000,-
18/3

Rp. 9.000.000,-

Deposito Totok

Rp. 4000.000,-

Tabungan Atun

Rp. 4.000.000,-
25/3

Rp. 17.000.000,-

Tabungan Joko

Rp. 8000.000,-

Tabungan Atun

Rp. 8.000.000,-
29/3

Rp. 15.000.000,-

Tabungan Atun

Rp. 2.000.000,-

Giro Tutik

Rp.2.000.000,-
30/3

Rp. 20.000.000,-

R/K pada BI
Tabungan Atun

Rp. 5.000.000,-

Rp. 5.000.000,-

BUNGA :
8/3 10% x 8- 4 x Rp.10.000.000 = Rp. 10.958,90
−−−−−−−−−−−−−−−−−−−−
365
18/3 10% x 18- 8 x Rp.5.000.000 = Rp. 13.698,63
−−−−−−−−−−−−−−−−−−−−−
365
25/3 10% x 25- 18 x Rp.9.000.000 = Rp. 17.260,27
−−−−−−−−−−−−−−−−−−−−−
365
29/3 10% x 29-25 x Rp.17.000.000 = Rp. 18.630,13
−−−−−−−−−−−−−−−−−−−−−
365
30/3 10% x 30-29 x Rp.15.000.000 = Rp. 4.109,59
−−−−−−−−−−−−−−−−−−−−−−
365
31/3 10% x 31-30+1 x Rp.20.000.000 = Rp. 10.958,90
−−−−−−−−−−−−−−−−−−−−−−−−
365

Saldo Tabungan = Rp. 20.000.000,- + Rp. 75.616,42 = Rp. 20.075.616,24

Tabungan = 10% x 31-1+1 x Rp.142.000.000 = Rp. 1.206.027,4
−−−−−−−−−−−−−−−−−−−−−−−−−
365
Total Tabungan = Rp. 1.206.027,4 +Rp. 20.075.616,24 + Rp. 142.000.000
Total Tabungan = Rp. 163.281.643,6

Bungan Deposito = 12% x 31-1+1 x Rp.226.000.000 = Rp. 2.303.342,46
−−−−−−−−−−−−−−−−−−−−−−−−
365
Total Deposito = Rp. 226.000.000 +Rp. 2.303.342,46 = Rp. 228.303.342,5

Bunga Giro = 8% x 31-1+1 x Rp.127.000.000 = Rp. 862.904
−−−−−−−−−−−−−−−−−−−−−−−
365
Total Giro = Rp.127.000.000 + Rp. 862.904= Rp. 127.862.904
Recuirment Research (RR) = 8% x Rp. 519.447.890 = Rp. 41.555. 831,2
Excess Research (ER) = 4 % x Rp. 519.447.890 = Rp. 20.777.915,6

NERACA BANK SITI
ASSET

PASIVA
Kas (10%) Rp. 51.944.789,-
R/K pada BI Rp. 62.333.746,8,-

Kredit :
Komersial Rp. 415.558.312,-
KUK Rp. 103.889.578,- +
Total Kredit Rp. 519.447.890,-

Tabungan Rp. 163.281.643,6,-
Giro Rp. 228.303.342,5,-
Deposito Rp. 127.862.904,-+
Deposit Rp. 519.447.890,-

Capital Rp. 51.944.789,- +
Rp. 571.392.679,-
Securities Rp. 62 .333.746,8

Total : Rp 633.726.425,8,-

Total : Rp. 633. 726.425,8,-

Menghitung bunga kredit
Bunga Untuk Kredit Komersial
18% x 31-1+1 x Rp.415.558.312 = Rp. 64.441.153,8
−−−−−−−−−−−−−−−−−−−−−−−
360
Bunga Untuk Kredit KUK
10% x 31-1+1 x Rp.103.889.578 = Rp. 894.604,7 +
−−−−−−−−−−−−−−−−−−−−−−− −−−−−−−−−−−−−
360
Jumlah bunga kredit Rp. 7.335.758,5

Bunga Deposit :
Bunga Tabungan : Rp. 1.206.027,4
Bunga Deposito : Rp. 2.303.342,46
Bunga Giro : Rp. 862.904 +
−−−−−−−−−−−−−
Total Bunga Deposit Rp. 4.372.273,86
Profit = I2 –I1
Profit = Rp. 7.335.758,5- Rp. 4.372.273,86 = Rp. 2.963.484,64

Hasil Kliring

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