{"id":9574,"date":"2024-09-19T15:59:06","date_gmt":"2024-09-19T08:59:06","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=9574"},"modified":"2024-09-19T15:59:08","modified_gmt":"2024-09-19T08:59:08","slug":"apa-itu-arti-interest-rate-bagaimana-cara-menghitungnya","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/finansial\/apa-itu-arti-interest-rate-bagaimana-cara-menghitungnya\/","title":{"rendered":"Apa Itu Arti Interest Rate? Bagaimana Cara Menghitungnya?"},"content":{"rendered":"\n<p>Hi Sobat LINE Bank,<\/p>\n\n\n\n<p><strong>Interest rate adalah tingkat suku bunga yang ditetapkan oleh suatu bank untuk pinjaman. Ketahui penjelasan selengkapnya tentang interest rate di sini.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"675\" height=\"380\" src=\"https:\/\/linebank.co.id\/blog\/wp-content\/uploads\/2024\/09\/interest-rate-LB-blog.webp\" alt=\"Apa Itu Arti Interest Rate? Bagaimana Cara Menghitungnya?\" class=\"wp-image-9576\" srcset=\"https:\/\/linebank.co.id\/blog\/wp-content\/uploads\/2024\/09\/interest-rate-LB-blog.webp 675w, https:\/\/linebank.co.id\/blog\/wp-content\/uploads\/2024\/09\/interest-rate-LB-blog-300x169.webp 300w\" sizes=\"auto, (max-width: 675px) 100vw, 675px\" \/><\/figure>\n\n\n\n<p>Transaksi keuangan konvensional tidak lepas dari interest rate, atau istilah lainnya suku bunga. Jadi, apa itu interest rate sebenarnya dan bagaimana cara menghitungnya? Simak bahasan berikut.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Apa itu arti Interest Rate?<\/h2>\n\n\n\n<p>Arti Interest rate adalah salah satu unsur penting dalam perekonomian nasional. Jika didefinisikan, interest rate adalah tingkat suku bunga yang ditetapkan saat sebuah bank memberikan pinjaman kepada nasabah. Tingkat suku bunga ini juga berlaku saat nasabah menyimpan uang mereka di bank.<\/p>\n\n\n\n<p>Alasan pengenaan interest rate dalam transaksi pinjam meminjam adalah adanya nilai sekarang (<em>present value<\/em>) dan nilai masa depan (<em>future value<\/em>) dalam uang. Umumnya, uang yang kita miliki di masa sekarang nilainya akan berkurang di masa depan.<\/p>\n\n\n\n<p>Contoh singkatnya seperti ini, harga beras pada tahun 2010 adalah sebesar Rp6,702\/kg. Akan tetapi pada tahun 2020, harganya menjadi Rp12,213\/kg. Uang yang tadinya dapat digunakan membeli 2 kg beras di tahun 2010, hanya bisa untuk 1 kg saja 10 tahun kemudian.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tingkatkan Interest Rate Indonesia<\/h3>\n\n\n\n<p>Setelah membahas apa itu interest rate, kali ini kita akan membahas sekilas tentang interest rate Indonesia. Di negara kita, satu-satunya lembaga yang berhak menentukan interest rate adalah Bank Indonesia.<\/p>\n\n\n\n<p>Per 2021, interest rate Indonesia adalah sebesar 3,5% dan suku bunga deposit 2,75%. Ini merupakan angka maksimal yang diterapkan BI agar bank dan penyedia kredit tidak menetapkan bunga terlalu tinggi kepada nasabahnya.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tipe-Tipe Interest Rate<\/h3>\n\n\n\n<p>Interest rate memiliki beberapa tipe berbeda tergantung yang dipilih bank tempat kamu meminjam dana. Adapun tipe-tipe interest rate adalah sebagai berikut,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bunga Tetap (<em>Fixed Rate<\/em>)<\/strong><br>Tipe pertama interest rate adalah bunga tetap, atau istilah bahasa Inggrisnya disebut&nbsp;<em>fixed rate<\/em>. Jika kamu melakukan peminjaman dengan bunga&nbsp;<em>fixed<\/em>, maka kamu tidak perlu khawatir terjadi kenaikan suku bunga di masa depan.Misalnya, hari ini kamu mengambil pinjaman dengan interest rate 5% dengan skema bunga tetap. Keesokan hari, interest rate nasional naik menjadi 7%. Interest rate kamu akan tetap 5% meski secara nasional seluruh bunga pinjaman berubah.Kelemahan pinjaman dengan bunga tetap adalah biasanya jumlahnya lebih tinggi dari bunga umum yang ditentukan bank. Misalnya bank umumnya menetapkan bunga 3%. Jika memilih skema&nbsp;<em>fixed rate<\/em>, kamu bisa mendapat bunga sebesar 3,2%<\/li>\n\n\n\n<li><strong>Bunga Mengambang (Floating Rate)<\/strong><br>Tipe selanjutnya interest rate adalah&nbsp;<em>floating rate<\/em>, bunga yang jumlahnya fleksibel mengikuti interest rate nasional. Jika kamu mengambil pinjaman dengan skema bunga mengambang, maka sewaktu-waktu bunga pinjaman dapat berubah mengikuti perkembangan pasar.Sekilas skema bunga mengambang tampak lebih menguntungkan dibanding bunga tetap. Akan tetapi, sewaktu-waktu bunga pasar akan meningkat di atas bunga tetap, sehingga pembayaran pinjaman kamu tiba-tiba akan bertambah banyak.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cara menghitungnya<\/h3>\n\n\n\n<p>Ada beberapa cara menghitung interest rate, yaitu dengan menggunakan perhitungan flat dan efektif. Selengkapnya cara menghitung interest rate berikut simulasinya ada di bawah ini.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Perhitungan Flat<\/strong><br>Cara menghitung interest rate yang pertama adalah dengan menggunakan perhitungan flat. Perhitungan ini adalah perhitungan bunga paling sederhana, karena bunganya tidak berubah (<em>fixed rate<\/em>).\n<ul class=\"wp-block-list\">\n<li>Contoh kasus:<br>Pak Surya melakukan pinjaman bank sebesar Rp50 juta dengan bunga 5% fixed rate selama 2 tahun. Dengan demikian, tagihan kredit bulanan Pak Surya yaitu:Tagihan kredit\/bulan = Rp50,000,000 \/ 24 bulan = Rp2,083,400\/bulan.<br>Bunga (fixed)\/bulan = Rp2,083,400 X 5% = Rp104,167\/bulan<br>Total tagihan = Rp2,083,400 + Rp104,167 = Rp2,187,567\/bulanJadi, jumlah tagihan kredit bulanan yang harus Pak Surya bayar adalah sebesar Rp2,187,567 setiap bulan.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Perhitungan Efektif<\/strong><br>Alternatif berikutnya perhitungan interest rate adalah skema perhitungan efektif. Jika menggunakan skema efektif, jumlah bunga akan terus berkurang tiap bulannya. Umumnya skema ini digunakan dalam pembelian properti seperti rumah, tanah, dan bangunan.\n<ul class=\"wp-block-list\">\n<li>Contoh kasus:<br>Stefani membeli rumah seharga Rp350 juta dengan bunga 5% fixed rate selama 35 bulan. Skema perhitungan bunga yang dipilih Stefani adalah perhitungan efektif. Dengan demikian, tagihan kredit bulanan Stefani adalah:Tagihan kredit\/bulan = Rp350,000,000 \/ 35 bulan = Rp10,000,000Bunga bulan ke-1 = [Rp350,000,000 &#8211; (1-1) X Rp10,000,000] X 5% \/ 12 = Rp1,458,334<br>Total tagihan ke-1 = Rp10,000,000 + Rp1,458,334 = Rp11,458,334Bunga bulan ke-2 = [Rp350,000,000 &#8211; (2-1) X Rp10,000,000] X 5% \/ 12 = Rp1,416,667<br>Total tagihan ke-2 = Rp10,000,000 + Rp1,416,667 = Rp11,416,667Bunga bulan ke-3 = [Rp350,000,000 &#8211; (3-1) X Rp10,000,000] X 5% \/ 12 = Rp1,375,000<br>Total tagihan ke-3 = Rp10,000,000 + Rp1,375,000 = Rp11,375,000Seterusnya sampai bulan ke-35, yaitu sebagai berikut.Bunga bulan ke-35 = [Rp350,000,000 &#8211; (35-1) X Rp10,000,000] X 5% \/ 12 = Rp41,667<br>Total tagihan ke-35 = Rp10,000,000 + Rp41,667 = Rp10,041,667<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Demikianlah bahasan tentang apa itu interest rate, tipe-tipe, dan cara menghitungnya. Meski tidak disukai sebagian orang, interest rate adalah komponen tak terpisahkan dari transaksi keuangan. Jika kamu masih aktif bertransaksi di lembaga keuangan di Indonesia, sebaiknya kamu memahami konsep interest rate agar dapat lebih bijak mengambil keputusan finansial.<\/p>\n\n\n\n<p>Nah itu dia info lengkap mengenai arti interest rate,dsb. 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Tunggu apalagi? Ayo,&nbsp;<em>join&nbsp;<\/em>LINE Bank dan dapatkan promonya sekarang!<\/p>\n\n\n\n<p>Caranya gampang kok,&nbsp;<strong>download aplikasi LINE Bank di Appstore maupun Playstore&nbsp;dengan&nbsp;<em><a href=\"https:\/\/bit.ly\/APPSFLYERdwnld\">klik disini!<\/a><\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/linebank.co.id\/id\/promo?keyword=all&amp;utm_source=articles&amp;utm_medium=banner&amp;utm_campaign=organic_articles&amp;utm_id=click_banner_promo\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/gyBF_jnuhRDuikC9Ijo3Tyjrhc456tHTxPmrdVuAXoDnyKmKnGoFZvnPqTfc7vhz_g1QzwXQKXAtPWhIgUI0DOhLtAyDcx0DK_hgv5eEpFM2D7dh_acWTv5h7vrakOqC2qg4KW2SnSg3AhECHi0aoxI\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<p><strong>Baca juga :&nbsp;<a href=\"https:\/\/linebank.co.id\/blog\/general\/promo-line-bank-september-2024\/\">Kumpulan Promo LINE Bank Bulan September 2024, Auto Cuan!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hi Sobat LINE Bank, Interest rate adalah tingkat suku bunga yang ditetapkan oleh suatu bank untuk pinjaman. Ketahui penjelasan selengkapnya tentang interest rate di sini. Transaksi keuangan konvensional tidak lepas dari interest rate, atau istilah lainnya suku bunga. Jadi, apa itu interest rate sebenarnya dan bagaimana cara menghitungnya? Simak bahasan berikut. Apa itu arti Interest [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9576,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[12],"tags":[876,702,833,14,1092,874,2588],"ppma_author":[834],"class_list":["post-9574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansial","tag-interest-rate","tag-kta","tag-line-bank","tag-linebank","tag-quick-credit","tag-suku-bunga","tag-suku-bunga-2024"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Apa Itu Arti Interest Rate? 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