Pengertian Kredit

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Are you wondering about the fastest way to get a degree online? Fast online degrees can offer considerable value to today’s student. Not everyone has the luxury of attending school for four years in one stretch – much less to immediately jump into a graduate program for an additional multi-year commitment! From working professionals to busy parents to older adults finally fulfilling their academic goals, there are plenty of nontraditional students out there who have limits on their study time. Thankfully, online colleges cater to this restriction by helping their students learn efficiently, quickly, and conveniently. We’ve listed some of the very best (and most affordable) below. In this ranking, we examine the best value colleges for fast online degrees. Allied American University Fast Online Degrees The fast online degree programs at AAU include numerous certificate options with a quick turnaround. 10. ALLIED AMERICAN UNIVERSITY Website At AAU you can earn an associate’s or bachelor’s degree in business administration, criminal justice, general studies, or medical office management. There are additional certificate options for students seeking jobs in the rapidly growing healthcare field: medical administrative assisting, medical billing, medical coding, and pharmacy technician among them. AAU has a special commitment to serving the military, including benefits such as a no-fee transcript evaluation to see how many of your credits will transfer; military members may also be eligible for textbook grants! AAU sometimes accepts transfer credits from advanced high school programs (AP and CLEP) and other industry and military certifications. Between this and the optional 8-week class schedule (with multiple start dates) AAU is one of the best fast online degrees for motivated students. Net Price: $14,898/yr Score: 58.75 Trident University International Fast Online Degrees With a “Fastrac” program and transfer credit options, TUI has some of the best fast online degree options in the country. 9. TRIDENT UNIVERSITY INTERNATIONAL Website Trident was the first fully online university to be accredited by the Western Association of Schools and Colleges. Catering to military veterans and adult learners, its accelerated “Fastrac” program lets you complete courses in just eight weeks, with new sessions starting every month. The Trident Learning Model uses case-based learning instead of traditional tests, with the goal of developing critical thinking and problem-solving skills. You can get a bachelor’s, master’s, or even doctoral degree online in a career-focused field like business, technology, or health sciences. Already have your associate’s degree from a community college? Trident will evaluate your credits and apply them toward your bachelor’s. 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. NECB’s Prior Learning Assessment program considers your work experience and job skills, open source courseware study, volunteer work, job skills and other background (including military experience) in granting you academic credit toward your degree. Looking for professional development or a new skill set in business or finance? You can easily enroll in a course or two without pursuing a degree. Net Price: $9,563/yr Score: 60.13 Grantham University Online Fast Degrees Grantham’s cheap, fast online degrees allow students to earn an associate’s or bachelor’s degree in a fraction of the time. 7. GRANTHAM UNIVERSITY Website Grantham’s accelerated online degree programs allow you to complete your associate’s degree in under two years or your bachelor’s degree in under four years. Bachelor’s degrees focus on in-demand fields like accounting, financial planning, and computer science. For nurses there’s even a RN-to-BSN completion program, making this one of the best fast online degree options in nursing. Grantham recognizes that flexibility is particularly important to first responders – established firefighters, police officers, and EMS professionals – and offers degrees and some scholarship assistance tailored to these groups. There are also scholarships and textbook/software grants for military members and a special partnership with the Community College of the Air Force to help Air Force members complete their bachelor’s degrees through an accelerated program. Net Price: $12,808/yr Score: 62.50 Western Governors University Fast Online Degrees WGU’s customized academic planning make it a source for some of the best fast online degrees. 6. WESTERN GOVERNORS UNIVERSITY Website This nonprofit university grants bachelor’s and master’s degrees in teaching, IT, business, and nursing. The Teacher’s College in particular has many subject–specific licensure programs, helping students prepare efficiently for their careers. Because tuition is charged according to the length of time you are enrolled, not the number of courses you take, you are rewarded financially for progressing quickly – a dream scenario for fast-paced students! You can also get personalized Degree Plans that take into account your prior skills and knowledge, performance on pre-enrollment assessments, and remaining requirements, so you only take exactly the courses you need. And because WGU requires “On Time Progress,” you’ll have plenty of support to make sure you don’t languish in your academic efforts. Plus, students who have completed either an associate’s degree or coursework at a community college can transfer credits, expediting their progress and making WGU a standout in this ranking of fast online degrees. 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

5. Condition of Economic (keadaan ekonomi) : Keadaan ekonomi yaitu kondisi ekonomi suatu negara keseluruhan serta memberi dampak kebijakan pemerintah dibidang moneter, terlebih berhubungan dengan kredit perbankan

6. Constrain (batasan atau kendala) : Batasan atau kendala yaitu penilaian debitur yang dipengaruhi oleh kendala yang tidak memungkinkan seseorang untuk usaha di suatu tempat.
Meskipun ada prinsip-prinsip kredit yang dikenal dengan 6 C, ada juga prinsip-prinsip kredit yang dikenal dengan 4 P diantaranya sebagai berikut :

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:

1. Personality : Personality merupakan penilaian bank tentang kepribadian peminjam, contohnya riwayat hidup, hobinya, kondisi keluarga (istri atau anak), social standing (pergaulan di masyarakat dan bagaimana masyarakat tentang diri si peminjam, dan sebagainya).

2. Purpose : Purpose merupakan penilaian bank terhadap peminjam mencari dana perihal tujuan atau kepentingan dalam pemakaian kredit, dan apakah tujuan dari pemakaian kredit itu sesuai dengan line of business kredit yangterkait.

3. Payment : Payment merupakan mengetahuikemampuan dari debitur perihal pengembalian pinjaman yang didapat dari prospek kelancaran penjualan serta pendapatan hingga diperkirakan kemampuan pengembalian pinjaman bisa ditinjau waktu jumlahnya.

4. Prospect : Prospect merupakan harapan usaha di masa mendatang dari calon debitur.

Beberapa Jenis Kredit

Beberapa macam kredit atau beberapa jenis kredit diklasifikasikan diantaranya sebagai berikut :

1. Beberapa Jenis Kredit Berdasar pada Kelembagaan

Kredit Perbankan, yaitu kredit yang diberikan pada masyarakat oleh bank negara atau swasta untuk kegiatan usaha atau konsumsi.

Kredit Likuiditas, adalah kredit yang diberikan pada bank-bank beroperasi di Indonesia oleh bank-bank sentral yang digunakan sebagai dana dalam membiayai aktivitas perkreditannya.

Kredit Langsung, yakni kredit yang diberikan pada instansi pemerintah atau semi pemerintah (kredit program) oleh BI.

Kredit Pinjaman Antarbank, yaitu kredit yang diberikan oleh bank yang memilikikelebihan dana kepada bank yang kekurangan dana.

2. Beberapa Jenis Kredit Berdasar pada Jangka Waktu

Kredit Jangka Pendek (Short term loan), yaitu kredit yang berjangka waktu maksimum satu tahun. Bentuknya berupa kredit direkening koran, kredit penjualan, kredit wesel, dan kredit pembeli serta kredit modal kerja.

Kredit Jangka Menengah (Medium term loan), adalah kredit yang berjangka waktu setahun sampai dengan tiga tahun.

Kredit Jangka Panjang, yaitu kredit yang mempunyai waktu lebih dari tiga tahun. Biasanya berupa kredit investasi yang dedidikirawan dengan tujuan memberi modal perusahaan dalam rangka untuk melakukan rehabilitasi, ekspansi (perluasan), dan pendirian proyek baru.

3. Beberapa Jenis Kredit Berdasar pada Tujuan atau Penggunaannya

Kredit Konsumtif, yaitu kredit yang dipakai untuk pemenuhan kebutuhan sendiri dan dengan keluarganya. contohnya kredit mobil, dan rumah untuk dirinya serta keluarganya. Kredit ini sangat tak produktif

Kredit Modal Kerja atau Kredit Perdagangan, adalah kredit yang dipakai untuk menambah modal usaha debitur. Kredit ini termasuk kredit produktif

Kredit Investasi, yaitu kredit yang dipakai untuk investasi produktif, namun barumenghasilkan jangka waktu yang relatif lama. Kredit yang umumnya diberikan grace period, seperti kredit perkebunan kelapa sawit dan lain sebagainya.

4. Beberapa Jenis Kredit Berdasar pada Kegiatan Perputaran Usaha

Kredit Kecil, adalah kredit yang diberikan pada penguasa kecil, contohnya KUK (Kredit usaha kecil).

Kredit Menengah, yaitu kredit yang diberikan pada penguasa dengan aset yang melebihi dari penguasa kecil.

Kredit Besar, yaitu kredit yang pada dasarnya dilihat dari segi jumlah kredit yang diteirma oleh debitur.

5. Beberapa Jenis Kredit Berdasar pada Jaminannya

Kredit Tanpa ada Jaminan atau kredit blanko (unsecured down), yaitu pemberian kredit dengan tanpa ada jaminan materiil (agunan fisik), pemberian begitu selektif yang diperuntukkan untuk nasabah besar yang sudah teruji bonafiditas, kejujuran, serta ketaatannya, baik dalam traksaksi perbankan mapun oleh kegiatan usaha yang dijalaninya.

Kredit Jaminan, adalah kredit untuk debitur yang didasarkan dari kepercayaan atas kemampuan debitur serta adanya agunan atau jaminan berbentuk fisik (collateral) sebagai jaminan tambahan.

6. Beberapa Jenis Kredit Berdasar pada Macamnya

Kredit Aksep, adalah kredit untuk bank yang berbentuk pinjaman uang, seperti plafond kredit (L3 atau BMPK) -nya.

Kredit Penjual, yaitu kredit untuk penjual dan pembeli, berarti barang yang sudah diterima pembayaran kemudian. Contohnya Usanse L/C.

Kredit Pembeli, yaitu pembayaran sudah dilakukan penjual, tetapi barangnya diterima terakhir atau pembelian dengan uang muka, seperti red clause L/C.

7. Beberapa Jenis Kredit Berdasar pada Bidang Perekonomiannya

Kredit Pertanian, yaitu kredit untuk perkebunan, peternakan dan perikanan

Kredit Pertambangan, adalah kredit untuk beragam jenis pertambangan

Kredit Ekspor-Impor, yakni kredit untuk eksportir dan importir beraneka macam barang.

Kredit Koperasi, yaitu kredit untuk jenis-jenis koperasi

Kredit Profesi, yaitu kredit untuk macam-macam profesi, contohnya dokter dan guru.

Kredit Perindustrian, yaitu kredit untuk beraneka macam industri kecil, menengah dan besar.

8. Beberapa Jenis Kredit Berdasar pada Penarikandan Pelunasan

Kredit Rekening Koran, yaitu kredit yang bisa ditarik dan dilunasi setiap waktu, besarnya sesuai dengan keperluan dan penarikannya melalui cek, bilyet, giro atau pemindahbukuan, pelunasan dengan melakukan setoran-setoran itu.

Kredit Berjangka, merupakan kredit yang penarikannya sekaligus sebesar plafondnya. Pelunasan kredit dapat dilakukan dengan cara mencicil atau melalui kesepakatan sesudah jangka waktunya habis.

9. Beberapa Jenis Kredit Berdasar pada Cara Penggunaannya

Kredit Rekening Koran Bebas. yaitu kredit yang debitur menerima semua dari kreditnya dengan bentuk rekening koran kepadanya diberikan blangko cheque serta rekening korannya pinjamannya diisi berdasar pada besarnya kredit yang diberikan, kemudian debitur bebas melakukan penarikan sepanjang kredit berjalan.

Kredit Rekening Koran Terbatas, adalah kredit dengan adanya pembatasan tertentu untuk nasabah dalam melakukan penarikan uang rekeningnya. Seperti pemberian kredit dengan uang giral dan perubahannya menjadi uang kartal dilakungan berangsur-angsur.

Kredit Rekening Koran Aflopend, yakni penarikan kredit yang dilakukan dengan arti maksimum kredit di saat penarikan bertambah sepenuhnya dengan digunakan oleh nasabah.

Revolving Kredit, yaitu sistem penarikan kredit sama seperti cara rekening koran bebas dengan masa pemakaian satu tahun, akan tetapi cara pemakaiannya tidak sama.

Term Loans, adalah sistem pemakaian dan penggunaan kredit yang fleksibel artinya nasabah bisa bebas memakai uang kredit untuk kepentingan apa saja dan bank tidak ingin tahu mengenai hal itu.

Manfaat Kredit

Kredit mempunyai beberapa manfaat dalam berbagai sektor diantaranya sebagai berikut :

1. Debitur

  • Mengembangkan usahanya dengan pengadaan sejumlah sektor produksi
  • Kredit bank relatif mudah diperoleh bila usaha debitur diterima untuk dilayani
  • Mempermudah calon debitur untuk memilih bank yang dengan usahanya
  • Rahasia keuangan debitur terlindungi
  • Beraneka macam jenis kredit dapat disesuaikan dengan calon debitur

2. Pemerintah

  • Sebagai pemacu perkembangan ekonomi secara umum
  • Sebagai pengendali aktivitas moneter
  • Untuk menciptakan lapangan usaha
  • Dapat meningkatkan pendapatan negara
  • Untuk membuat dan memperluas pasar

3. Bank

  • Pemberian kredit untuk menjaga serta mengembangkan usaha bank
  • Membantu memasarkan produk atau layanan perbankan lainnya
  • Memperoleh pendapatan bunga yang diterima dari debitur
  • Dapat rentabilitas bank membaik serta memperoleh laba bertambah
  • Untuk merebut pangsa pasar dalam industri perbankan

4. Masyarakat

  • Mampu mendorong perkembangan dan perluasan perekonomian
  • Dapat mengurangi tingkat pengangguran
  • Memberi rasa aman pada masyarakat untuk menyimpan uangnya di bank
  • Dapat meningkatkan pendapatan dari masyarakat.



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