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1 PEMBELANJAAN PERUSAHAAN LECTURE 4b – SINGLE PAYMENT LOAN
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PP/MB-IPB/10 2 Loan amount = $ 100 Interest rate = 12% (APR= Annual Percentage Rate) Loan term = 3 months Calculate: 1.Interest is paid in arrears (at the end of the period or year) 2.Interest is paid in advance (Discount Loan) 3.10% Compensating Balance is required 4.Compensating Balance is not required SINGLE PAYMENT LOANS
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PP/MB-IPB/10 3 SINGLE PAYMENT LOANS Case 1 Interest in Arrears No Compensating Balance Case 2 Interest in Arrears 10% Compensating Balance Time0.250 100103 APR = (3/100)*(12/3) = 12.00% APY = (103/100) (12/3) – 1 = 12.55% Time0.250 9093 APR = (3/90)*(12/3) = 13.33% APY = (93/90) (12/3) – 1 = 14.01%
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PP/MB-IPB/10 4 SINGLE PAYMENT LOANS Case 3 Discount Loan (Interest in Advance) No Compensating Balance Case 4 Discount Loan (Interest in Advance) 10% Compensating Balance Time0.250 97100 APR = (3/97)*(12/3) = 12.37% APY = (100/97) (12/3) – 1 = 12.96% Time0.250 8790 APR = (3/87)*(12/3) = 13.79% APY = (90/87) (12/3) – 1 = 14.52%
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PP/MB-IPB/10 Untuk melihat file lengkapnya silahkan menghubungi kami di www.mb.ipb.ac.id www.mb.ipb.ac.id
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