NILAI WAKTU UANG (TIME VALUE OF MONEY) Konsep Dasar : Bahwa setiap individu berpendapat bahwa nilai uang saat ini lebih berharga daripada nanti. Sejumlah uang yang akan diterima dari hasil investasi pada akhir tahun, kalau kita memperhatikan nilai waktu uang, maka nilainya akan lebih rendah pada akhir tahun depan. Jika kita tidak memperhatikan nilai waktu dari uang, maka uang yang akan kita terima pada akhir tahun depan adalah sama nilainya yang kita miliki sekarang. Contoh 1 : Uang sekarang
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The Pakistan Credit Rating Agency Limited STRUCTURED FINANCE RATING KARACHI ELECTRIC SUPPLY COMPANY LIMITED APRIL 2012 The Pakistan Credit Rating Agency Limited STRUCTURED FINANCE KARACHI ELECTRIC SUPPLY COMPANY LIMITED REPORT CONTENTS Summary Report Detailed Report: PAGE 1 2 2 4 7 Rating Profile Instrument Structure Assessment ANNEXURES BoD Profile Standard Rating Scale I II April 2012 www.pacra.com STRUCTURED FINANCE The Pakistan Credit Rating
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would have 5,414.28. If you pay the minimum amount monthly on a credit card all you're doing is hurting yourself. If you put your money in a savings account you're only going to gain so much money per month, way less than what you're losing if your making a minimum monthly payment on your credit card. By paying off your credit card much quicker instead of putting money in savings, you're saving all that interest you won't have to pay on your credit card. If you pay minimum on your credit card that's
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years in the savings account with 2% interest on $5000 compounded annually I would have $5412.16 Compounded semiannually $5414.28 You have $10,000 in credit card debt, at a 14% interest rate. When is it beneficial to pay off the debt vs. putting money in a savings account? Explain the pros and cons of either option. By using the bankrate.com site calculater I was able to find that if I had $10,000 in credit card debt with a 14% interest rate it would take me over 27 years to pay off this debt
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Examine the concept of time value of money in relation to corporate managers. Propose two (2) methods in which time value of money can help corporate managers in general. The time valuation of money is the idea that money available now could be worth more than the same amount in the future, because that current money has the possibility of earning money in the future. Think if the expression, “It takes money to make money!” If you are guaranteed to have $100.00 now or $100.00 in 3 years, you would
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Cite all resources consistent with APA guidelines. Term Definition Resource you used Time value of money Is the idea that money available at a present time is worth a lot more then the amount that its is in the future due to the “potential earning capacity”. The core principle of finance is provided money is able to earn interest and any money received sooner is worth more. Investopedia - Time Value of Money - TVM. (2014). Retrieved from http://www.investopedia.com/terms/t/timevalueofmoney.asp
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and Future Values, and Expected Returns BUS 401 Principles of Finance Instructor: February 29, 2016 Present and Future Values, and Expected Returns Critically reflect on the importance of present and future values. This week started rough for me but while reviewing the material for this week’s lesson I learned the importance of the present value (PV) and future value (FV). PV and FV are related in a sense because they both represent the financial worth of the money at a given
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Time Value of Money Chad McDade FIN/200 November 11, 2011 Markques McKnight Time Value of Money The time value of money tells us that money available to us today is worth more than money available to us in the future; this is because of the earning potential of money. Money has an earning potential because of interest – money placed in an interest bearing account or investment earns money. If we place $1000 in a savings account that earns 5% interest at the end of a year we would have
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Compound Interest 2. Continuous Money Flow: Total money flow, present value, accumulated amount of money, continuous deposits. 3. Annuities 4. Amortizations and Sinking Funds Assoc. Prof. Nguyen Dinh Dr. Nguyen Ngoc Hai CALCULUS 2 (BA) Simple and compound interest • If you borrow money you have to pay interest on it. If you invest money in a deposit account you expect to earn interest on it. Interest can be interpreted as money paid for the use of money. • The original amount borrowed
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------------------------------------------------- COURSE: HAME507-01 Sep 17, 2014 Mastering the Time Value of Money ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- SUBJECT: Lump Sum Values ------------------------------------------------- -------------------------------------------------
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