Tugas (Portofolio) Komp. Lembaga Keuangan & Perbankan

Nama : Wahyu Ardimas

Kelas : 3EA10

NPM : 11208271

PORTOFOLIO

Atun (Tab; 10% ; Harian)

4/3 Sektor Tunai 10 juta

8/3 Pinbuk Debet Pada Giro 5 juta

18/3 Pinbuk Kredit Deposito Totok 4 Juta

25/3 Pinbuk Kredit Tabungan Joko 8 Juta

29/3 Pinbuk Debet Giro Tutik 2 juta

30/3 Pinbuk Kredit Ani (B.Karman) 5 juta

30/3

Siti	Karman
Cek Tn A 3 juta Cek Tn B 4 juta B/G PT C 6 juta B/g PT D 5 Juta Nota Kredit 10 Juta	Cek Ani 5 juta Cek Joko 6 juta Cek Toni 8 juta B/G PT X 12 juta B/G PT Y 10 juta
Tolak
Cek Tn B B/G PT D	Cek Joko B/G PT Y

Siti 1/3

Asset	Liabilities
Kas 50 juta R/K pada BI 70 juta Loan 400 juta Securities 30 juta Other Asset 50 juta	Tabungan 150 juta Giro 120 juta Deposito 230 juta Securities 50 juta Capital 100 juta
Total 650 juta	Total 650 juta

Tabungan (10%), Deposito (12%), Giro (8%)

Kas 10% Loan 18% Flat

RR 8 % ER 4% KUK 10% Flat

Loan 100%

KUK 20%

Kasus

1. Portofolio siti ¼

2. Bunga Deposit ? & Bunga Kredit ?

3. Profit

4. Hasil Kliring

Jawaban

Rekap Saldo Harian

4/3 = 10 juta

8/3 = 5 juta

18/3 = 9 juta

25/3 = 17 juta

29/3 = 15 juta

30/3 = 20 juta (Saldo Akhir Atun)

Menghitung Bunga Harian

8/3 = 10% x 8-4 x 10 : 365 = 10.958,90

18/3 = 10% x 18-8 x 5 : 365 = 13.698.63

25/3 = 10% x 25-18 x 9 : 365 = 17.260,27

29/3 = 10% x 29-25 x 17 : 365 = 18.630,13

30/3 = 10% x 30-29 x 15 : 365 = 4.109,58

31/3 = 10% x 31-1+1 x 20 : 365 = 10.958,90

Saldo Atun = Bunga 8/3+18/3+25/3+29/3+30/3+31/3+ saldo akhir atun 31/3

Saldo Atun ¼ = 75.616,41+20.000.000 = 20.075.616,41

Proses Kliring

Siti	Karman
-3 -4 -6 -5 +10	+3 +4 +6 +5 -10
+5 +6 +8 +12 -10	-5 -6 -8 -12 +10
6(menang kliring)	-6

Saldo Bank siti 1/3

Tab 150 juta

Giro 120 juta

Deposito 230 juta

Saldo Bank siti 31/3

Tab 142 juta

Giro 127 Juta

Deposito 226 juta

Menghitung Bunga Kredit

Tab = 10% x 31-1 +1 x 142 = 1.206.027,39

Giro = 8% x 31-1 +1 x 127 = 862.904,10

Dep = 12% x 31-1 +1 x 226 = 2.303.342,46

Saldo Siti ¼

Tabungan = 142 juta + 1.206.027,39 + 20.075.616.41 =163.281.643,8

Giro = 127 juta + 862.904.10 + 20.075.616.41 = 147.938.520,5

Deposito = 226 juta + 2.303.342,46 + 20.075.616.41 = 248.378.958,9

Saldo Awal Siti ¼ =559.599.123,2

Siti ¼

Asset	Liabilities
Kas 55.959.912,32 R/K pada BI: RR 44.767.929.86 ER 22.383.964.93 Loan: Komersil 447.679.298.6 KUK 111.919.824.6 Securities 30.000.000 Other Asset 50.000.000	Tabungan 163.281.643,8 Giro 147.938.520,5 Deposito 248.378.958,9 Securities 50.000.000 Capital 55.959.912,32 Other Liabilities 97.151.894.81
762.710.930.3	762.710.930.3