Agarwood Bracelet 16 mm
Origin : Membramo Papua
Weight : 15.7 grams
Origin : Membramo Papua
Weight : 15.7 grams
Price : 150 USD
Nice fragrant and overtime, 100 percent natural, satisfaction guarantee. if the goods are not naturally we will refund 100 percent.
Nice fragrant and overtime, 100 percent natural, satisfaction guarantee. if the goods are not naturally we will refund 100 percent.
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| Agarwood Bracelet 16 Papua |
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Agarwood Bracelet 16 Papua A loan that meets the following conditions:
1. There is a written agreement between the bank and lender.
2. obtain prior approval from Bank Indonesia. In this connection the bank at the time of applying for approval, the bank must submit programpembayaran back subordinated loan.
3. Not guaranteed by the bank concerned and were paid minimum period of 5 (five) years.
4. Repayment before maturity must obtain approval from Bank Indonesia and the amortization of the capitalized banks remain healthy.
5. Right tagihnya in case of liquidation occurs most end of all existing borrowings (same position with capital).
2.1.5. Risk-Weighted Assets (RWA)
Agarwood Bracelet 16 Papua Risk-Weighted Assets (RWA) is the summation of RWA RWA balance sheet assets and administrative assets. RWA balance sheet assets is obtained by multiplying the nominal value with a weighted risk assets. RWA administrative assets obtained by multiplying the nominal value with cata risk weighted assets administratively. According to Bank Indonesia regulation No. 3/21 / PBI / 2001, Article 2 states that the Risk-Weighted Assets consist of:
1. Balance sheet assets given weight sesai rate credit risk inherent in each asset item.
2. Some items in the list and contingent liabilities (off balance sheet account) given according to the weight and the rate of credit risk inherent in each post having first taken into account by weight conversion factor.Under the provisions of Bank Indonesia, the bank disclosed including a healthy bank must have a minimum CAR of 8%. This is based on the provisions established BIS (Bank for International Settlements) (Lukman Dendawijaya, 2003, p: 144).
Agarwood Bracelet 16 Papua Bank capital not only as one of the important sources of funds to meet the needs of banks, but also the bank's capital position will affect management decisions in terms of profit on the one hand and possible risks on the other. Bank capital that is too large will affect the amount of profit a bank,
while capital is too small will limit the ability of expansion and affect especially the assessment of the depositors, borrowers and shareholders. So the size of bank capital will affect the level of public confidence in the ability of the bank (Dahlan Siamat, 1993). The increase in assets and CAR will improve profitability significantly, otherwise if CAR decreasing profitability will also be down significantly. It could mean that the CAR will have a positive effect on bank profitability.
2.1.6. Loan to Deposit Ratio (LDR)
LDR is the ratio between the total amount of credit granted by the bank that the funds received by the bank. According to Lukman Dendawijaya, 2003, p 118, this ratio shows one bank liquidity assessment and can be summarized as follows:
The bigger the fund in the form of loans relative to deposits or deposits at a bank brings konsekuwensi the greater the risk incurred by the bank concerned. When lending failure or problem, then the bank will find it difficult to repay the funds entrusted by society.
According to Bank Indonesia Circular Letter dated May 29, 1993, included in the definition of the funds received bank is as follows:
1. KLBI (Bank Indonesia Liquidity Credit) (if any).
2. Demand deposits, time deposits, and savings societies.
3. instead of a bank loan with a maturity of more than three months, excluding subordinated loans.
4. Deposits and loans from other banks with a maturity of more than three months.
5. ditebitkan securities by banks with a maturity of more than three months.
6. Capital loan.
7. Capital core.
Total loans in the above formula is given credit banks have already realized or withdrawn or withdrawn. Third party liability cover in the form of public deposits in current accounts, savings accounts, and various types of deposits, while KLBI is the volume of lending (credit) provided by Bank Indonesia to Bank.
Under the terms stipulated by Bank Indonesia, the bank's core capital consists of the paid-up capital of the bank owners, share premium (especially for banks that have gone public), various reserves, retained earnings (after it was decided by the general meeting of shareholders of the bank), as well as the profit for the year walk.
This ratio is also a very common technique used to measure the position or the ability of bank liquidity. This ratio is an indicator of vulnerability as well as the ability of a bank. Most bankers agree that the safe limits of a bank LDR is around 80%. However, the tolerance range between 85% and 100% (Lukman Dendawijaya, 2003, p: 119).
Agarwood Bracelet 16 Papua The higher this ratio, the lower the ability of bank liquidity. Conversely, the lower the ratio, the higher the ability of bank liquidity and lower profitability generated by the bank concerned (Dahlan Siamat, 1993). It can be concluded that LDR has negative impact on bank profitability.
1. There is a written agreement between the bank and lender.
2. obtain prior approval from Bank Indonesia. In this connection the bank at the time of applying for approval, the bank must submit programpembayaran back subordinated loan.
3. Not guaranteed by the bank concerned and were paid minimum period of 5 (five) years.
4. Repayment before maturity must obtain approval from Bank Indonesia and the amortization of the capitalized banks remain healthy.
5. Right tagihnya in case of liquidation occurs most end of all existing borrowings (same position with capital).
2.1.5. Risk-Weighted Assets (RWA)
Agarwood Bracelet 16 Papua Risk-Weighted Assets (RWA) is the summation of RWA RWA balance sheet assets and administrative assets. RWA balance sheet assets is obtained by multiplying the nominal value with a weighted risk assets. RWA administrative assets obtained by multiplying the nominal value with cata risk weighted assets administratively. According to Bank Indonesia regulation No. 3/21 / PBI / 2001, Article 2 states that the Risk-Weighted Assets consist of:
1. Balance sheet assets given weight sesai rate credit risk inherent in each asset item.
2. Some items in the list and contingent liabilities (off balance sheet account) given according to the weight and the rate of credit risk inherent in each post having first taken into account by weight conversion factor.Under the provisions of Bank Indonesia, the bank disclosed including a healthy bank must have a minimum CAR of 8%. This is based on the provisions established BIS (Bank for International Settlements) (Lukman Dendawijaya, 2003, p: 144).
Agarwood Bracelet 16 Papua Bank capital not only as one of the important sources of funds to meet the needs of banks, but also the bank's capital position will affect management decisions in terms of profit on the one hand and possible risks on the other. Bank capital that is too large will affect the amount of profit a bank,
while capital is too small will limit the ability of expansion and affect especially the assessment of the depositors, borrowers and shareholders. So the size of bank capital will affect the level of public confidence in the ability of the bank (Dahlan Siamat, 1993). The increase in assets and CAR will improve profitability significantly, otherwise if CAR decreasing profitability will also be down significantly. It could mean that the CAR will have a positive effect on bank profitability.
2.1.6. Loan to Deposit Ratio (LDR)
LDR is the ratio between the total amount of credit granted by the bank that the funds received by the bank. According to Lukman Dendawijaya, 2003, p 118, this ratio shows one bank liquidity assessment and can be summarized as follows:
The bigger the fund in the form of loans relative to deposits or deposits at a bank brings konsekuwensi the greater the risk incurred by the bank concerned. When lending failure or problem, then the bank will find it difficult to repay the funds entrusted by society.
According to Bank Indonesia Circular Letter dated May 29, 1993, included in the definition of the funds received bank is as follows:
1. KLBI (Bank Indonesia Liquidity Credit) (if any).
2. Demand deposits, time deposits, and savings societies.
3. instead of a bank loan with a maturity of more than three months, excluding subordinated loans.
4. Deposits and loans from other banks with a maturity of more than three months.
5. ditebitkan securities by banks with a maturity of more than three months.
6. Capital loan.
7. Capital core.
Total loans in the above formula is given credit banks have already realized or withdrawn or withdrawn. Third party liability cover in the form of public deposits in current accounts, savings accounts, and various types of deposits, while KLBI is the volume of lending (credit) provided by Bank Indonesia to Bank.
Under the terms stipulated by Bank Indonesia, the bank's core capital consists of the paid-up capital of the bank owners, share premium (especially for banks that have gone public), various reserves, retained earnings (after it was decided by the general meeting of shareholders of the bank), as well as the profit for the year walk.
This ratio is also a very common technique used to measure the position or the ability of bank liquidity. This ratio is an indicator of vulnerability as well as the ability of a bank. Most bankers agree that the safe limits of a bank LDR is around 80%. However, the tolerance range between 85% and 100% (Lukman Dendawijaya, 2003, p: 119).
Agarwood Bracelet 16 Papua The higher this ratio, the lower the ability of bank liquidity. Conversely, the lower the ratio, the higher the ability of bank liquidity and lower profitability generated by the bank concerned (Dahlan Siamat, 1993). It can be concluded that LDR has negative impact on bank profitability.
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