Langkah-langkah mengajukan pinjaman

Langkah-langkah mengajukan pinjaman di koperasi simpan pinjam, yaitu:

– Menjadi anggota.
– Mengajukan proposal.
– Pengajuan akan dipertimbangkan oleh pihak koperasi terlebih dahulu.
– Jika dana telah disetujui oleh pihak koperasi, maka dana akan dicairkan dan terdapat kesepakatan antara pihak peminjam dan pihak koperasi mengenai lama pengembalian dana.

Bunga pinjaman di koperasi

Terdapat beberapa perhitungan bunga peminjaman dalam koperasi, yaitu:

1. Bunga flat yang merupakan bunga dalam jumlah yang sama di setiap bulannya.
2. Bunga menurun atau RC adalah perhitungan bunga yang dipengaruhi oleh besar dari pinjaman pokok oleh peminjam, sehingga semakin kecil pinjaman pokok maka semakin kecil RC.
3. Bunga Menurun Efektif atau Sliding Rate merupakan bunga yang dihitung dari besar saldo tiap akhir bulan atau baik debet, akibatnya bunga yang dibayarkan di setiap bulannya semakin menurun.
4. Bunga Anuitas atau annuity rate merupakan bunga yang dipengaruhi oleh besar sisa pinjaman perbulan sehingga bunga yang dibayarkan per bulan menurun dan pokoknya naik

Hasil (Inggris) 1:

The measures proposed in the cooperative loans save loan, namely:– Become a member.– Submit a proposal.– The submission will be considered by the cooperative first.– If the funds had been approved by the co-operative party, then the funds will be disbursed and there is agreement between the borrower and the cooperative about old refund.Loan interest in cooperativeThere are a number of loan interest calculations in the cooperatives, which are:1. flat Flower is a flower in the same amount in each month. 2. decreased Interest or RC is the calculation of the interest affected by the size of the loan principal by borrowers, so the smaller the loan principal and the smaller the RC. 3. The interest Decreases effective or Sliding Rate is the interest calculated from the balance of the end of each month or debit, both as a result of interest paid each month declined. 4. Interest rate Annuity or annuities are interest affected by large remaining loan monthly interest so paid per month declined and anyway up

Hasil (Inggris) 2:

The measures applying for loans at credit unions, namely: - Being a member. - Asking proposal. - The submission will be considered by the cooperative beforehand. - If the fund has been approved by the cooperative, then the funds will be disbursed and there is an agreement between the borrower and the cooperative on how long a refund. Interest on loans in the cooperative There are several lending interest calculation in the cooperatives, namely: 1. Flat rate which is the interest in the same amount every month. 2. Decreased interest or RC is affected by the interest calculation of loan principal by the borrowers, so the smaller the loan principal, the smaller RC. 3. Sliding Downhill Effective interest or the interest rate is calculated from a large balance every month or the end of either debit, as a result of interest paid in monthly decreases. 4. Annuities or annuity interest rate is the interest that is affected by the rest of the month so the loan interest paid monthly decline and rise substantially