Definisi Present, Annual, Future, Gradien

P = Present value (Present Worth) adalah nilai uang pada saat mulai proyek (Pada saat sekarang) yaitu pembayaran yang berlangsung sekali tahun ke-0.

F = Future value (Future Worth) adalah pembayaran pada saat periode yang akan datang yaitu pembayaran yang hanya berlangsung sekali pada tahun ke-n.

A = Annual cashflow adalah pembayaran seri (Tabungan) yaitu pembayaran yang berkali-kali tiap tahun dalam jumlah sama besar dilakukan pada tahun ke-1 sampai tahun ke-n sebesar A.

G = Gradient adalah pembayaran yang terjadi berkali-kali tiap tahun naik dengan kenaikan yang sama atau penurunan secara seragam.

Contoh Perhitungan Bunga Kredit Flat, Efektif, dan Anuitas :

Misalkan Anda mengambil kredit di bank sebesar Rp 12 juta dengan masa cicilan 12 bulan dan bank menggunakan sistem bunga tetap. Contoh perhitungan berikut menggunakan bunga flat 6%, bunga efektif 12%, dan bunga anuitas sebesar 12%.

1. Bunga Flat

Rumus :

Total Bunga = P x I x N

Bunga Perbulan = total bunga/B

Besar Angsuran = (P + total bunga)/B

• P : Pokok kredit
• I : Suku bunga per tahun
• N : Jangka waktu kredit dalam satuan tahun
• B : Jangka waktu kredit dalam satuan bulan

Perhitungan Bunga Flat :
Total Bunga = Rp 12.000.000 × 0,06 × 1 = Rp 720.000
Bunga per BUlan = Rp 720.000 : 12 = Rp 60.000
Besar Angsuran = (Rp 12.000.000+Rp 720.000 )/12 = Rp 1.060.000

2. Bunga Efektif
Rumus :
Bunga per Bulan = SA x I/12

• SA : Saldo Akhir Periode
• I : Suku bunga per tahun

Perhitungan Bunga Bank Efektif :
Bunga bulan pertama = Rp 12.000.000×12%/12 = Rp 120.000
Angsuran pokok tiap bulan = Rp 12.000.000/12 = Rp 1.000.00

3. Bunga Anuitas
Rumus :
Angsuran Bulanan = P x I/12 x 1/(1-(1+i/12)m)

• P : PokokKredit
• I : Suku bunga per tahun
• m : Jumlah periode pembayaran (bulan)

Perhitungan Bunga Bank :
Angsuran bulanan = Rp 12.000.000×12%/12×1/1-(1/(1+12%/12)12 ) = Rp 1.066.183,519

Read More

Management and Organizational Important Role In Concert Music

Indonesia of late arrival of foreign artists who hold a concert in Indonesia starting from Paramore, Evanesence, Katty Perry, Justin Bieber, Jessie J, Super Junior, and much more. Usually the artist will hold a concert that fans have quite a lot. The fans were willing to spend money that does little to watch his idol artist. A music concert will be done successfully if supported by components such as sound, lighting, sets and a good building to support the appearance of the artist.

Promoters are actors who bring artists from outside. Actors here can be an individual and consists of several people who are a team trying to succeed in a concert. Promoter must have an extensive network in order to invite outside artists. In addition, good communication is necessary to negotiate with the artist about anything good about the honor and the action stage, which will be displayed. Business experience in this field are also needed for a concert held by the current

Role in organizing a concert promoter starts from the artist's plan which will hold a concert, determine the place and time organizing concerts. Usually artists have a lot of fans selected by the promoter of the capital as a weekend place and time with consideration of the many who watched the concert. Didapatlah artists who will hold a concert, the promoter must be good at negotiating with the artist for smooth concert will be held. Not without a hitch inviting foreign artists to come to Indonesia, most artists do not want the reason for the safety factor here that the promoter must convince the artist that Indonesia is far more secure. Once everything is fixed, the promoters care about the artist's permission to come to the immigration, police and tourism department. For that promoters should have sufficient capital to take care of it all before conducting the concert. Only then did the promotion and promoters to sell tickets. Promotion aims to be a lot of people who buy tickets and watch the concert, on the other side so that the promoter gets hit. Price tiketpun offerings tailored to the artist and the various costs of production. In sales tiketpun sometimes there are obstacles such as the sale of concert Super Junior Suju fans today were disappointed that many do not get tickets in advance so that the promoter of the talks with the actress has finally decided to hold a concert Suju for three consecutive days. In order for artists who are satisfied with the performance of the promoters brought in as much as possible keep all of the artists demand from consumption to manggungnya equipment. Supervision carried out in order to concert promoter run smoothly is to make sure the audience saw the concert in order for any artist who brought comfort.

Readiness to finance the capital required for the concerts of foreign artists anticipate when ticket sales did not reach the target. The presence of sponsors considered important in supporting the smooth running of a music concert. Moreover, ticket sales are not enough to cover the costs to be incurred by the promoter in the international music concerts. No wonder if there is any chance in supporting events such as a news artist (meet and greet), a photo session with the artist (photo session) to have dinner with (gala dinner). The activity is one way to attract sponsors and promoters intrigued audience to buy tickets. Fatal error that should never be done promoters are selling tickets before it is fixed by the artist. The main promoter of capital is to maintain public confidence in the concert made ​​for the next concert can be more successful than ever.

Being a promoter has a high risk one of them in case of cancellation with ten reasons. Failure to make a music concert harmed consumers because in addition to getting off an exciting spectacle that makes them willing to pay enough to watch his idol, as well as cancellation refund (refund) tickets from the promoter of long and tortuous. If the artist is canceled, the promoter will receive a full refund advance payment of 50 percent. But the concert promoter to lose if suddenly canceled as it did in concert Lady Gaga is not got a permit from the police when ticket sales have been done for a month before the concert, the promoter must pay the remaining 50 percent down payment. For that promoters should have good management so that the concert went well organized.

Read More

Heart as a Financial Management Company

Management in everyday life is very important, because with the management we can arrange all of the activities to be carried out effectively and efficiently. Without the management of our activities in everyday kehiidupan will be irregular.

One example of management in everyday life is the importance of managing our finances. With the financial management, we can arrange financing in our daily lives. If we do not me'manage finances well, then that will happen is a waste of money, use money to buy goods that are not important, and much more. In daily life, financial me'manage should be applied. It is intended that sufficient revenue can be obtained daily life with me'manage expenditure as possible. If financial management is applied in everyday life, there will be excessive and not spending enough of our lives.

Similarly, in the company. Financial management is needed to manage the company's funds so that the company's value can be maximized.

Financial management for the company is a planning, budgeting, inspection, management, control, search and storage of funds held by the organization or company.

Own financial management functions include to make the plan revenue and checkout, and other activities for a certain period, follow-up of financial planning by making details of expenses and income, using company funds to maximize the funds available in many different ways, looking for sources of funds available for corporate activities, collect and store company funds, evaluating and improving the finances and financial systems in paerusahaan, as well as examine the existing corporate finance in order to avoid irregularities.

One example of financial management in companies such as pety cash (petty cash). In this case the company usually uses pety cash for small-scale type of expenditure, which serves to facilitate the company's transactions in small amounts. For example, for the purchase of office supplies such as stationery, photocopy costs, and so forth. And every transaction made by the company, the need for registration to prevent financial irregularities and to each company's financial income and expenses can be controlled and managed properly.

Finance in the office must be properly managed in order to manage all income and expenditure incurred in that office. If the activities of financial me'manage not done, then the firm is likely to suffer losses or bankruptcy. This occurs in the absence of the company's financial records. Financial management is the most important activities in the office, because of finances is the goal of doing office. And to run in office management, companies need to establish a group of employees to cooperate for the attainment of the objectives of the company.

Read More

Organization and Management in the UN General Assembly

UN General Assembly or the UN General Assembly is one of the six main UN bodies. Assembly consists of members from all member states and meets annually under a UN General Assembly President is elected from the representatives. The first meeting was held on January 10, 1946 at Central Hall Westminster in London and included representatives from 51 countries. This meeting normally begins at the third Tuesday in September and ends in mid-December. Special meetings may be convened at the request of the Security Council, a majority of UN members. Special meeting held in October 1995 to commemorate 50 years of the United Nations.

Each country can appoint five representatives to attend the General Assembly, but only entitled to one vote (Article 5 and 18, UN Charter). In each session of the UN General Assembly elect a chairman. The General Assembly has the power to regulate the organization and administration of the United Nations, but the problem is being resolved the Security Council. Official language is used, among others: English, French, Russian, Spanish, and Chinese, including the broadcast and press coverage.

Duties and powers

Duties and powers of the general assembly can be divided into eight groups, namely on:

1. The exercise of international peace and security.

2. Cooperation in the field of economy and the international community.

3. International representative system.

4. Particulars of the areas that do not yet have its own government

5. Financial affairs

6. Membership application and acceptance of members

7. Changes in the charter

8. Relationships with other equipment tools

In performing the duties of the general assembly to form a variety of agencies, such as the committee; commission; conferences and agency. These agencies include:

1. Committee procedure

2. Administrative court

3. Disarmament commission (with the security council)

4. International atomic energy agency (to hear the opinion of the security council

and the board of social economy).

5. UN troops

6. Palestinian refugees in the container body

7. United Nations Conference on trade and development.

8. United Nations Children's Fund / UNICEF (the economic and social council)

9. Office of the UN high commissioner for refugees

10. United Nations and FAO joint venture for global food business

11. United Nations Development Program

12. UN industrial development organization

13. The UN agency for training and research

14. The UN environment program

15. United Nations University

16. Seven committee (committee), namely

The first committee: duties in the political and security matters including the setting of weaponry.

• The second Committee: special political duties.
• Third Committee: its work in economics and finance.
• Fourth Committee: its work in the social, humanitarian and cultural.
• Fifth Committee: its work in the field of decolonization (areas that are not self-governing)
• Sixth Committee: its work in the field of administration and budget.
• Committee of the seventh: the legal duties

Main Assembly also assisted agencies and special programs such as:

• Human Rights Council
• UNRWA: Aid Agency and work for Palestinian refugees in the Middle East
• UNICEF: Aid Agency for the kids

Organization and Management in the UN General Assembly:

Here the United Nations is an international organization, because it comprises members from various countries around the world. Management that can be drawn from the general assembly session is how the planning of the General Assembly session, starting from each state is entitled to appoint five representatives in the UN General Assembly, and also there are duties and powers, and in carrying out the duties and powers established bodies such as the I have explained above. From there it was all in shaping the organization and management of the UN General Assembly.

Read More

Journal of Management and Organizations in the Work

Before our work, we must have someone who is looking for a job to apply for jobs here and there and if we only take applications and interview, and then accepted to work there? In my opinion, there are some important things to consider when we will be applying for a job. Before we get into the world of work, we need to know first to what we are working, for whom we work, whether the work was in accordance with our abilities, because the factors that usually become the basis of our performance is good or not in a intansi or company.

From the above description, then I will discuss preparatory work. We can see nowadays hard to find work, increasing the unemployment rate in Indonesia has become the norm every year. Preparing the work was not easy, many of which have been prepared by the administrative requirements proposed, another thing we should also note we would like the ability, mental, psychological, health, and so forth. Many job applicants who qualify for the administrative stage, but intansi or companies do not need people who are smart academically, but to apply, he must be clever, smart communication, reliable in decision making, strong physically and mentally, and so forth. Usually the people who already have these experiences when he was school or college, the things mentioned above can have someone with the following organizations ato campus off-campus, it is very important. Why? Because when we follow the activities within the organization, in fact we have trained our ability to work. Just as a secretary to prepare and assist the chairman of the meeting, prepare correspondence, records agendas, and much more.

Today many companies are prioritizing intansi or oraganisasi experience rather than a high GPA. Therefore, we are particularly active students must organize, organize the preparation of the work we are now as good as possible. Not easy for us to divide the time between college and association, we sometimes sacrifice one of them. Therefore we must be smart to set and organize our activities, so long as we learn on this campus we tidah hardskill only good at, but we too soft skill honed skills as well. After graduation, we are determined to apply for a job or even sought by intansi or companies to work there, of course, with good performance and experience.

Read More