Pengertian Kredit

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With tuition breaks for military spouses and dependents, Trident offers affordable fast online degrees to a range of students. Net Price: $11,572/yr Score: 58.85 New England College of Business and Finance Fast Online Degrees Previous jobs, military experience, and past academic coursework will all earn students credit toward the affordable, fast online degree programs at NECB. 8. NEW ENGLAND COLLEGE OF BUSINESS AND FINANCE Website Offering accredited fast online degrees for working professionals, this Boston-based school incorporates group projects into its industry-relevant curriculum. This helps students network with potential colleagues and develop the technology-enabled collaboration skills they’ll need in today’s increasingly distributed workplaces. 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Net Price: $8,624/yr Score: 62.82 National Paralegal College Fast Online Degree NPC’s legal studies program is a no brainer for students who want a fast online degree studying law and government. 5. NATIONAL PARALEGAL COLLEGE Website Through this school’s accelerated online degree programs, you can earn your bachelor’s in legal studies in under 3 years or an associate’s degree in just 15 months. Lots of interesting classes run simultaneously, some of which you’d expect in a legal curriculum (American Government; Torts and Personal Injury; Constitutional Law and Criminal Procedure) but others will broaden your education, including The Science of Nutrition, Environmental Science, and Laws of Cyberspace. Depending on your schedule, you can join live online lectures or watch recordings whenever you have time. Unsure if this school is right for you? Simply by filling out an application, you’ll get two free weeks of enrollment, including lectures and discussions with your potential instructors and classmates. This free trial period could be just what you need to decide to complete an affordable, fast online degree at NPC. Net Price: $13,709/yr Score: 69.33 American Public University System Online Fast Degrees Students who are eager to earn an affordable fast online degree can enroll at APU as early as next month. 4. AMERICAN PUBLIC UNIVERSITY SYSTEM Website APUS has been serving non-traditional students since 1991, well before online education became mainstream. Originally founded as American Military University to cater to mobile military learners, it reorganized into APUS in 2002 in order to serve a wider range of learners – and today 42% of its students are civilians. Even so, American Public University continues to enroll more members of the armed forces than any other school. Although it offers nearly 200 degrees and certificates, the school’s most popular programs include business administration, criminal justice, general studies, sports and health sciences, psychology, and homeland security. With courses starting on the first Monday of every month and lasting either 8 or 16 weeks, there’s no need to wait for a new semester to begin, earning APUS a top spot in our fast online degree rankings. Net Price: $9,572/yr Score: 70.60 American InterContinental University Fast Online Degrees Accredited, fast online degrees are in abundance at AIU, which offers programs in everything from business to web design. 3. AMERICAN INTERCONTINENTAL UNIVERSITY-ONLINE Website In addition to the career-focused fields found at other online schools – business, criminal justice, IT, education, and healthcare – AIU also has several degrees in design fields, making it a great choice for students who want to blend vocational skills and artistic vision. You can earn a Bachelor of Fine Arts in graphic design, web design, illustration, or even fashion. For students who live in the greater Atlanta or Houston areas and want face-to-face learning and physical classrooms, there are campuses waiting to welcome you. A generous credit-transfer program allows you to save time and money, making this a truly affordable fast online degree. AIU also has a special admissions department just for the military and offers a 45% tuition discount to active service members, as well as a 10% discount for Reserves, National Guard, and their spouses. Net Price: $15,495/yr Score: 71.82 Sessions-College-for-Professional-Design(1) 2. SESSIONS COLLEGE FOR PROFESSIONAL DESIGN Website Speaking of artistic degrees for vocational trades, Sessions is a great choice for students who want an accredited fast online degree in the arts, such as graphic design, web design, digital photography, and much more. Experienced designers can also take quick professional development courses in Photoshop and other specific skills without pursuing an entire degree. This makes Sessions a standout among the many online colleges that offer more traditional programs in professional fields like business, teaching, or information technology. While Sessions offers numerous certificates and associates degrees, students can also earn credits that transfer to bachelor’s degrees at Excelsior College. All courses have three different start dates a year – January, May and September – giving you plenty of flexibility when planning your schedule. Net Price: $12,352/yr Score: 74.74 American Broadcasting School Fast Online Degrees The American Broadcasting School is #1 on this fast online degree ranking and undoubtedly the best option for aspiring journalists. 1. AMERICAN BROADCASTING SCHOOL Website Granting an inexpensive, fast online degree in radio broadcasting, this school offers a fast track to careers in news, sports, talk, or music radio, as well as other creative voice opportunities. The entire program takes just over eight months to complete (71% of students graduate), uses exclusively one-on-one instruction, and allows you to work at your own pace. You’ll get all the software and equipment you need (as long as you provide your own computer) and personalized vocal coaching. Starting in your very first week, you’ll have the opportunity to record your own radio shows and receive live critiques from professional instructors. Because success in broadcasting requires more than just talent, you’ll also learn digital production, marketing, and other tools of the broadcasting trade. Looking to enroll quickly? You can begin on any Monday of the year! Net Price: $9,459/yr Score: 82.13 See our methodology page for more information about how we calculated this ranking.* *For this ranking, we added an extra feature to the standard methodology. Because we wanted to focus specifically on “speed” rather than general measures of quality, we custom-designed a scale to rank schools based on this highly desirable “fast factor.” Specifically, we researched each online college and asked ourselves the following questions: Does the school offer bachelor’s degrees that one could complete in less than four years? What about associate’s degrees in less than two years? Are there many short certificate options for students who want to quickly augment their skills in an established field? Are there “accelerated” degree paths and options for students who want to earn a combined bachelor’s/master’s degree? Does the school offer credit for life/work experience and past academic coursework in order to help students move ahead on their degree path? Does the school offer multiple course formats so that students have the option to start several times a year and/or to choose between classes of varying lengths? But don’t worry – we still considered graduation rate and tuition costs as well! We hope this has been helpful in providing information about fast online degrees from accredited colleges. There are many fast online degree programs available, and we encourage you to do a broad search to find the program that’s best for you. THIS CONCLUDES OUR RANKING OF THE BEST VALUES IN FAST ONLINE DEGREES. Sources: College Navigator By CVO Staff Published March 2016

Pengertian kredit-Pada umumnya, pengertian kredit adalah pemberian penggunaan suatu uang atau barang pada orang lain di waktu tertentu dengan jaminan atau tanpa ada jaminan, dengan pemberian jasa atau bunga atau tanpa ada bunga.

Menurut UU. No. 10 Tahun 1998, pengertian kredit adalah suatu penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasar pada persetujuan atau kesepakatan pinjam-meminjam pada bank dengan pihak lain yang mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga.

Malignant peritoneal mesothelioma is a rare type of mesothelioma which attacks the lining of abdomen also known as peritoneum. Malignant peritoneal mesothelioma (MPM) is a universally fatal disease affecting 20% to 30% of the mesothelioma cases. It's was first described by Miller and Wynn in the year 1908. According to the statistics, in the past two decades, the incidence of malignant peritoneal mesothelioma cancer has increased. Peritoneal mesothelioma affects the lining of the abdomen also known as peritoneum. The location of malignant cell is human's abdominal lining and because of that, MPM can sometimes known as abdominal mesothelioma. However, most common term used to describe this type of cancer is peritoneal mesothelioma. The main cause of MPM in humans is asbestos. Asbestos typically is the one of most commonly roofing materials since it is not only cheaper but is easy to fix on a roof. Asbestos exposure contributed to almost 70 to 80 percent of mesothelioma lung cancer. Humans come into contact with asbestos when they swallow or inhale the fibers. Asbestos inhalation may increase risk to develop asbestos related diseases, most importantly mesothelioma. Asbestos was completely banned in UK since it was recognized to be a serious health hazard, and it is now responsible for about 4000 deaths each year and many cases of serious disease. The people at increase risk of developing health asbestos related disease are those whose work brings them into direct contact with asbestos such as builders, heating engineers, roofers and demolition workers. In addition to mesothelioma, asbestos exposure will increase the risk of other health problems such as lung cancer, asbestosis (chronic lung ailment) and other type of cancer such as larynx and kidney cancer. Symptoms of Malignant Peritoneal Mesothelioma It can takes such a long time for cancer to develop the symptoms and sometimes may take up to 30 years, between exposure to asbestos and the start of the disease. Most common symptoms of the disease are abdominal pain, abdominal swelling, abnormal weight loss, anemia, easy fatigue, nausea and vomiting. Abdominal pain and swelling result from fluid accumulation in the abdominal cavity. Other than that, people can easily get fever when the disease starts to shows its symptoms. Among the symptoms stated above, abdominal pain is the most common reported initial symptoms of MPM. Unexplained night sweats and blood coagulation problems are less frequent symptoms occurring when the cancer develops. If the cancer cells spread to the other part of the body, the symptoms may lead to trouble swallowing or swelling of the neck and face. Diagnosis of Abdominal Mesothelioma It is very difficult to diagnose peritoneal mesothelioma since there is no defined system so far that can differentiate the stages of the development of cancerous tumor cells. If required, TNM staging system normally used to detect the cancer in stages. Other than that, Serum mesothelin-related protein (SMRP) may be a potentially useful serum marker used to diagnose and to follow-up the cancer progression. Computer tomography (CT) findings may be a useful tool in detection and characterization of peritoneal mass. Malignant Peritoneal Mesothelioma is a deadly neoplasm. MPM's diagnosis is difficult to perform since the symptoms will take a long time to show up. Early detection is the key in peritoneal mesothelioma treatment since the cancer cell normally spread very fast. Peritoneal Mesothelioma can be regarded as a very dangerous cancer among other cancer.However we can prevent this problems from occur to you and your family. As i said before, early detection is the key of peritoneal mesothelioma treatment [] success since the cancer cell spread very fast. Get your free update's information about mesothelioma especially mesothelioma treatment by click > mesothelioma [] Article Source: Article Source:

Arti kredit berasal dari bahasa latin yakni credere yang bermakna kepercayaan, atau credo yang bermakna saya percaya, berarti kepercayaan dari kreditor (pemberian pinjaman) bahwa debitornya (penerima pinjaman) akan mengembalikan pinjaman beserta bunganya sesuai dengan persetujuan kedua belah pihak.

Pengertian Kredit Menurut Definisi Para Ahli


Berikut beberapa pendapat para ahli yang telah menyumpangkan pemikiran dalam mendefinisikan arti kredit antara lain sebagai berikut :

Brymont P.Kent: Pengertian kredit menurut pendapat Brymont P. Kent adalah hak untuk menerima pembayaran atau kewajiban melakukan pembayaran pada waktu diminta atau pada waktu yang akan datang, karena penyerahan barang-barang pada waktu sekarang.

Rolling G. Thomas: Menurutnya, pengertian kredit adalah kepercayaan si peminjam untuk membayar sejumlah uang pada masa yang akan datang.

Amir R. Batubara: Menurut Amir. R. Batubara, pengertian kredit adalah pemberian prestasi yang kontra prestasinya akan terjadi sejumlah uang di masa yang akan datang

Firdaus dan Ariyanti: Pengertian kredit menurut firdaus dan ariyanti yang mendefinisikan arti kredit adalah suatu reputasi yang dimiliki seseorang yang memungkinkan ia bisa memperoleh uang, barang-barang atau tenaga kerja, dengan jalan menukarkan dengan suatu perjanjian untuk membayarnya disuatu waktu yang akan datang.

Melayu S.P. Hasibuan: Arti kredit adalah semua jenis pinjaman yang harus dibayar kembali bersama bunganya oleh peminjam sesuai perjanjian yang telah disepakati.

Anwar: Pengeritan kredit menurut Anwar adalah pemberian prestasi (jasa) oleh pihak yang satu ke pihak yang lain dan prestasinya dikembalikan dalam jangka waktu tertentu bersama uang sebagai kontraprestasinya (balas jasa).

Thomas Suyatno: Kredit adalah penyediaan uang yang disamakan tagihan-tagihannya yang sesuai dengan persetujuan antara peminjam dan meminjamkan.

Muljono: Menurut Muljono, pengertian kredit adalah kemampun untuk menjalankan pembelian atau melaksanakan suatu pinjaman dengan perjanjian untuk membayar di waktu yang telah ditentukan.

Dr. Al-Amin Ahmad: Menurutnya, pengertian kredit adalah membayar hutang yang dilakukan secara berangsur-angsur pada tempi yang ditetapkan atau ditentukan.

Fungsi Kredit

Di awal perkembangan fungsinya, kredit merangsang kedua belah pihak untuk sama-sama membantu dengan tujuan pencapaian kebutuhan, baik itu dalam sektor bisnis atau kebutuhan sehari-hari. Kredit bisa memenuhi fungsinya bila secara sosial ekonomis baik bagi debitur, kreditur, atau masyarakat membawa dampak yang lebih baik.

Dari manfaat yang nyata dan manfaat yang diharapkan, maka kredit dalam kehidupan perekonomian dan perdagangan mempunyai fungsi. Beberapa macam fungsi kredit yaitu sebagai berikut :

-Meningkatkan daya guna uang
-Meningkatkan kegairahan berusaha
-Meningkatkan peredaran dan lalu lintas uang
-Merupakan salah satu alat stabiltias perekonomian
-Meningkatkan hubungan internasional
-Meningkatkan daya guna serta peredaran barang
-Meningkatkan pemerataan pendapatan
-Sebagai motivator dan dinamisator kegiatan perdagangan serta perekonomian
-Memperbesar modal dari perusahaan
-Dapat meningkatkan IPC (income per capita) masyarakat
-Merubah cara berpikir dan tindakan orang-orang supaya bernilai ekonomis

Unsur-Unsur Kredit

Unsur-unsur yang ada dalam pemberian pada fasilitas kredit yaitu sebagai berikut :

1. Kepercayaan
Kepercayaan merupakan suatu keyakinan pada pemberi kredit untuk diberikan benar-benar diterima kembali di saat mendatang sesuai didalam jangka waktu kredit. Bank memberi kepercayaan atas dasar melandasi mengapa suatu kredit bisa berani di kucurkan.

2. Kesepatakan
Kesepakatan dalam suatu perjanjian yang tiap-tiap pihak (si pemberi kredit kepada si penerima kredit) menandatangani hak dan kewajibannya masing-masing. Kesepakatan ada dalam suatu akad kredit dan ditandatangani oleh kedua belah pihak sebelum kredit dikucurkan.

3. Jangka Waktu
Dari jangka waktu yang sudah disepakati bersama tentang pemberian kredit oleh pihak bankdan pelunasan kredit oleh pihak nasabah debitur.

4. Resiko
Dalam menghindari resiko buruk dalam kesepakatan kredit, sebelumnya sudah dilakukan kesepakatan pengikatakan angunan atau jaminan yang dibebankan pada pihak nasabah debitur atau peminjam.

5. Prestasi
Prestasi adalah objek yang berbentuk bunga atau imbalan yang sudah disetujui oleh bank dan nasabah debitur.

Tujuan Kredit

Hadirnya kredit dan dengan beragam jenis fungsinya. Tujuan kredit yaitu sebagai berikut :

-Memperoleh pendapatan bank pada hasil bunga kredit yang diterima
-Memproduktifkan dan memanfaatkan dana-dana yang ada
-Menjalankan pada kegiatan operasional bank
-Menaikkan modal kerja di perusahaan
-Mempercepat lalu lintas pembayaran
-Meningkatkan kesejahteraan dan pendapatan dari masyarakat

Prinsip-Prinsip/Ketentuan Kredit

Dalam memperoleh kredit, ada beberapa macam prosedur yang perlu dilalui yang ditetapkan oleh bank atau instansi keuangan supaya dapat berjalan dengan baik serta sehat. Ada sebutan 6 C yang disebut prinsip-prinsip kredit diantaranya sebagai berikut :

1. Character (kepribadian/watak) : Kepribadian yaitu karakter atau watak pribadi dari debitur untuk memperoleh kredit, seperti kejujuran, sikap motivasi usaha, dan lain sebagainya.

2. Capacity (kemampuan) : Kemampuan yaitu kemampuan modal yang dipunyai untuk memenuhi kewajiban tepat pada waktunya, terutama dalam likuiditas, rentabilitas, solvabilitas, serta soliditasnya.

3. Capital (modal) : Modal yaitu kemampuan debitur dalam melakukan aktivitas usaha atau memakai kredit serta mengembalikannya.

4. Collateral (jaminan) : Jaminan yaitu jaminan yang perlu disiapkan untuk pertanggung jawaban bila debitur tidak bisa melunasi utangnya.


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