Perhitungan Pinjam UMKM

GRC

Intermediate

16 Hours

Online

To Be Announced

Zoom Meeting

SME Loan Calculation and Credit Analysis is a practical training program designed to provide participants with a comprehensive understanding of loan calculation methods, credit repayment structures, interest calculation systems, and loan amortization techniques commonly used in banking and non-banking financial institutions. Participants will learn how to calculate installment payments, analyze different loan products, compare interest calculation methods, and evaluate the true cost of borrowing using practical business cases and Excel applications.

SME Loan Calculation and Credit Analysis is a practical training program designed to provide participants with a comprehensive understanding of loan calculation methods, credit repayment structures, interest calculation systems, and loan amortization techniques commonly used in banking and non-banking financial institutions. Participants will learn how to calculate installment payments, analyze different loan products, compare interest calculation methods, and evaluate the true cost of borrowing using practical business cases and Excel applications.

Who should join this program?

Why should you join this program?

Banking & Financial Services Rural Banks (BPR) Cooperatives Microfinance Institutions Fintech Lending Companies Leasing Companies SME Development Agencies Government Financial Programs Investment & Credit Consulting Firms

What you will get?

Training Materials | Excel Loan Calculation Templates | Amortization Schedule Workbook | Certificate of Completion | Case Study Exercises

What will you learn?

Understand the fundamental principles of lending and credit financing.
Identify the key components of loan calculations, including principal, interest, payment frequency, and loan duration.
Calculate installment payments using standard loan formulas and Excel financial functions.
Analyze the relationship between loan amount, interest rate, repayment period, and installment value.
Develop and interpret loan amortization schedules accurately.
Differentiate between installment credit and revolving credit facilities.
Calculate principal and interest portions within periodic loan repayments.
Evaluate loan repayment structures using fixed installment and fixed principal methods.
Apply Interest Over Balance (Effective Interest) calculations for various financing scenarios.
Compare different interest calculation systems, including Interest Over Balance (IOB), Front-End Loading (Flat Rate), and Prepaid Interest methods.
Determine the effective interest rate and actual borrowing cost of loan products.
Analyze working capital loans and revolving credit facilities using account statement approaches.
Utilize Excel tools and financial formulas to automate loan calculations and credit analysis.
Assess the financial implications of different loan structures for borrowers and lenders.
Make informed financing recommendations based on loan affordability and repayment capability.

You Will Learn From Expert Instructor

Ir. Yanto Sidik Pratiknyo, MA, DiplCoop, CMI, CHRS

Senior Management Consultant, Financial Management Trainer, and SME Development Specialist

Ir. Yanto Sidik Pratiknyo is an experienced management consultant, trainer, and financial literacy expert with extensive experience in business development, financial management, cooperative systems, and SME financing. His professional background includes serving as Marketing Head of PPM Management, Instructor and Consultant at PPM Management, Trainer for Alliance for Integrity (GIZ Germany), Research Advisor at Sekolah Tinggi Teknik PLN, and Founding Member of the International Entrepreneurship Association, Germany. He has delivered numerous programs in financial analysis, business management, credit systems, and entrepreneurship development.