{"id":9268,"date":"2025-11-21T21:22:26","date_gmt":"2025-11-21T14:22:26","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=9268"},"modified":"2025-11-21T21:22:26","modified_gmt":"2025-11-21T14:22:26","slug":"arti-dan-cara-menghitung-interest-on-account","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/arti-dan-cara-menghitung-interest-on-account\/","title":{"rendered":"Interest on Account: Pengertian, Fungsi, dan Cara Menghitungnya"},"content":{"rendered":"<p><em><span style=\"font-weight: 400;\">Pelajari interest on account artinya apa, fungsi, dan cara menghitung bunga rekening agar kamu lebih bijak kelola tabungan &amp; pinjaman.<\/span><\/em><\/p>\n<p><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Istilah seperti interest on account bisa terdengar teknis di telinga kebanyakan orang. Tapi sebenarnya, konsepnya cukup sederhana serta penting jika kamu ingin memahami alur uangmu sendiri. Interest on account adalah bunga dari aktivitas finansialmu, baik dari simpanan maupun pinjaman.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan memahami konsep ini, kamu bisa lebih mudah mengontrol arus keuangan dan mengambil keputusan finansial secara lebih bijak. Yuk, kita bahas tuntas apa itu interest on account, cara menghitungnya, dan kenapa penting buat kondisi finansialmu.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/investasi\/pengertian-compound-interest\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Compound Interest: Pengertian, Cara Kerja, dan Contohnya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Apa Itu Interest on Account?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Secara sederhana, interest on account adalah bunga yang terkait dengan suatu rekening atau akun keuangan, baik itu rekening tabungan, <\/span><a href=\"https:\/\/skorlife.com\/blog\/investasi\/mengenal-apa-itu-deposito\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">deposito<\/span><\/a><span style=\"font-weight: 400;\">, maupun pinjaman. Artinya, setiap kali ada saldo \u201cmengendap\u201d di akun, entah kamu menyimpan uang atau berutang, ada bunga yang dihitung atas saldo tersebut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dalam konteks positif (seperti tabungan atau deposito), interest on account artinya bunga yang kamu terima dari bank sebagai imbal hasil karena menyimpan uang. Tapi kalau konteksnya pinjaman atau utang, maka interest on account adalah bunga yang kamu bayarkan sebagai biaya peminjaman uang.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Singkatnya:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kalau kamu <\/span><b>menabung<\/b><span style=\"font-weight: 400;\">, interest on account = bunga <\/span><b>yang kamu terima.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kalau kamu <\/span><b>berutang<\/b><span style=\"font-weight: 400;\">, interest on account = bunga <\/span><b>yang harus kamu bayar.<\/b><\/li>\n<\/ul>\n<figure id=\"attachment_9270\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9270\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/interest-on-account-artinya-Freepik-1.jpg\" alt=\"interest on account artinya \" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/interest-on-account-artinya-Freepik-1.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/interest-on-account-artinya-Freepik-1-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/interest-on-account-artinya-Freepik-1-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Fungsi Interest on Account dalam Kehidupan Finansial<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Buat apa sih tahu istilah ini? Karena interest on account mempengaruhi hampir semua keputusan finansialmu. Berikut fungsi utamanya:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Menghitung keuntungan atau biaya bunga<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kamu bisa tahu berapa bunga yang didapat dari tabungan atau berapa bunga yang dibebankan dari pinjaman. Ini membantu merencanakan cash flow.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Membantu evaluasi produk keuangan<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dengan memahami interest on account artinya, kamu bisa membandingkan bunga antar produk, misalnya tabungan berjangka, deposito, atau <\/span><a href=\"https:\/\/skorlife.com\/blog\/category\/kpr\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">KPR (Kredit Pemilikan Rumah)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Mempengaruhi laporan keuangan pribadi<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dalam akuntansi, interest on account adalah bagian dari pendapatan atau beban bunga. Misalnya, bunga yang belum diterima disebut accrued interest, sedangkan bunga yang belum dibayar disebut interest payable.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Meningkatkan kesadaran finansial<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Saat kamu tahu bagaimana bunga dihitung, kamu bisa menghindari tagihan membengkak akibat bunga berjalan (terutama di kartu kredit dan pinjol).<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/pinjol-kta\/pengertian-cara-hitung-bunga-flat\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Bunga Flat: Cara Kerja, Rumus, Simulasi dan Bedanya dengan Bunga Efektif<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Jenis-Jenis Interest on Account<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Untuk memahami lebih dalam, berikut jenis interest on account yang sering muncul:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Jenis Akun<\/b><\/td>\n<td><b>Penjelasan<\/b><\/td>\n<td><b>Contoh Praktis<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Interest Bearing Account<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Rekening yang memberikan bunga pada saldo kamu. Biasanya tabungan atau deposito.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kamu punya tabungan Rp10 juta dengan bunga 5% per tahun, maka setiap bulan kamu akan menerima bunga sesuai perhitungannya.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Loan Account (Akun Pinjaman)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Akun kredit yang dikenakan bunga berjalan (interest payable).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kamu punya pinjaman KTA Rp50 juta dengan bunga 10% per tahun, bunga ini disebut interest on account.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Accrued Interest<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Bunga yang sudah berjalan tetapi belum dibayarkan.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bunga KPR yang dihitung harian tapi baru ditagih di akhir bulan.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Overdraft Interest<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Bunga yang dibebankan karena saldo rekening negatif (minus).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Saat kamu menarik lebih dari saldo yang ada di rekening giro.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Dari sini bisa terlihat bahwa interest on account adalah istilah\u00a0 luas, bisa berarti bunga yang kamu peroleh atau bunga yang kamu tanggung, tergantung jenis akunmu.<\/span><\/p>\n<figure id=\"attachment_9188\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9188\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik.jpg\" alt=\"Cara Menghitung Bunga Majemuk\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Cara Menghitung Interest on Account<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Biar lebih paham, yuk kita bahas langkah-langkah sederhana menghitung interest on account baik untuk simpanan maupun pinjaman.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Tentukan jenis bunganya<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Apakah bunga <\/span><b>flat<\/b><span style=\"font-weight: 400;\">, <\/span><b>efektif<\/b><span style=\"font-weight: 400;\">, atau <\/span><b>majemuk (compound)<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flat: bunga dihitung dari pokok awal setiap periode.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Efektif: bunga dihitung dari sisa pokok.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compound: bunga yang menambah pokok setiap kali periode bunga ditambahkan.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">2. Gunakan rumus dasar bunga sederhana (Simple Interest)<\/span><\/h3>\n<p><b>Rumus:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Interest = Saldo Pokok \u00d7 Tingkat Bunga \u00d7 Periode<\/span><\/p>\n<p><b>Contoh:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Kamu menyimpan Rp10.000.000 di rekening dengan bunga 6% per tahun, dan ingin tahu interest on account selama 6 bulan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Interest = 10.000.000 \u00d7 6% \u00d7 (6\/12)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Interest = Rp300.000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, interest on account artinya bunga sebesar <\/span><b>Rp300 ribu<\/b><span style=\"font-weight: 400;\"> yang kamu peroleh setelah enam bulan menabung.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Untuk bunga majemuk (Compound Interest)<\/span><\/h3>\n<p><b>Rumus:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A = P \u00d7 (1 + r\/n)^(n \u00d7 t)<\/span><\/p>\n<p><b>Keterangan:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>P<\/b><span style=\"font-weight: 400;\"> = saldo pokok<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>r<\/b><span style=\"font-weight: 400;\"> = suku bunga tahunan (dalam desimal, misal 6% = 0,06)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>n<\/b><span style=\"font-weight: 400;\"> = frekuensi perhitungan bunga per tahun (misalnya 12 jika bulanan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>t<\/b><span style=\"font-weight: 400;\"> = waktu dalam tahun<\/span><\/li>\n<\/ul>\n<p><b>Bunga total:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Interest = A &#8211; P<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rumus ini lebih realistis karena kebanyakan rekening tabungan modern menggunakan sistem bunga majemuk (compound interest).<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/kpr\/cara-menghitung-bunga-floating-kpr\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Mengenal Bunga Floating KPR dan Cara Menghitungnya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Contoh Kasus Praktis<\/span><\/h2>\n<p><b>Kasus 1: Tabungan berbunga<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kamu punya tabungan Rp20 juta dengan bunga 5% per tahun.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bunga per bulan = (5% \u00f7 12) \u00d7 Rp20 juta = Rp83.333<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jadi, interest on account adalah Rp83 ribu per bulan, ini tambahan pendapatan yang masuk ke rekeningmu.<\/span><\/li>\n<\/ul>\n<p><b>Kasus 2: Pinjaman pribadi<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kamu pinjam Rp30 juta dengan bunga flat 10% per tahun.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bunga tahunan = 10% \u00d7 Rp30 juta = Rp3 juta.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dalam konteks ini, interest on account artinya biaya bunga yang harus kamu bayar ke pihak pemberi pinjaman.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Faktor yang Mempengaruhi Interest on Account<\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Suku bunga bank sentral (BI Rate)<\/b><span style=\"font-weight: 400;\">: Saat BI Rate naik, bunga pinjaman juga ikut naik.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jenis produk keuangan<\/b><span style=\"font-weight: 400;\">: Tabungan biasa, deposito, dan KPR memiliki cara hitung bunga yang berbeda.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jangka waktu dan frekuensi pembayaran bunga<\/b><span style=\"font-weight: 400;\">: Semakin lama periode, semakin besar bunga akumulatifnya.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kondisi ekonomi<\/b><span style=\"font-weight: 400;\">: Inflasi dan kebijakan moneter bisa memengaruhi suku bunga pasar.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Menurut data <\/span><b>Bank Indonesia (bi.go.id)<\/b><span style=\"font-weight: 400;\">, rata-rata suku bunga deposito di tahun 2024 berkisar antara 4,5%-6% tergantung tenor dan jenis bank. Ini menunjukkan bahwa potensi bunga atau interest on account bisa berbeda-beda antar lembaga keuangan.<\/span><\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7558 size-large\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Tips Mengelola Interest on Account Biar Keuangan Tetap Aman<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cek riwayat bunga secara rutin.<\/b><span style=\"font-weight: 400;\"> Pastikan bunga yang kamu dapat atau bayar sesuai ketentuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gunakan aplikasi pengelola keuangan<\/b><span style=\"font-weight: 400;\"> seperti <\/span><b>Skorlife<\/b><span style=\"font-weight: 400;\"> untuk memantau bunga pinjaman, saldo, dan potensi bunga berjalan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bandingkan produk sebelum memilih.<\/b><span style=\"font-weight: 400;\"> Selisih 1% bunga bisa berdampak besar dalam jangka panjang.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hindari tunggakan bunga.<\/b><span style=\"font-weight: 400;\"> Semakin lama bunga menumpuk, semakin besar beban finansialmu.<\/span><\/li>\n<\/ul>\n<p><strong>Baca juga: <a href=\"https:\/\/skorcard.app\/tips-keuangan\/tips-mengajukan-kartu-kredit-pertama\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Tips Memilih &amp; Mengajukan Kartu Kredit Pertama<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Skorlife: Bantu Kamu Kelola Interest dan Kredit Lebih Mudah<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kalau kamu ingin tahu posisi finansialmu lebih jelas, <\/span><a href=\"https:\/\/skorlife.com\/blog\/category\/kpr\/\" data-wpel-link=\"internal\"><b>Skorlife<\/b><\/a><span style=\"font-weight: 400;\"> bisa jadi partner terpercaya.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\ud83d\udca1 <\/span><b>Cek Riwayat Kredit<\/b><span style=\"font-weight: 400;\">: Ketahui apakah riwayat kreditmu sehat agar bunga pinjaman lebih ringan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0\ud83d\udca1 <\/span><b>Peluang Pengajuan Kredit<\/b><span style=\"font-weight: 400;\">: Cek peluang disetujui sebelum ajukan KPR, kredit kendaraan, atau pinjaman lainnya.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0\ud83d\udca1 <\/span><b>Manajemen Keuangan Pintar<\/b><span style=\"font-weight: 400;\">: Skorlife bantu kamu melunasi tunggakan, mengatur budget, dan memahami beban bunga berjalan (interest payable) secara lebih efisien.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dengan memahami interest on account artinya dan memantau pergerakan bunga lewat Skorlife, kamu bisa membuat keputusan finansial lebih cerdas dan percaya diri saat mengatur pinjaman maupun tabunganmu.<\/span><\/p>\n<p><a href=\"https:\/\/skorcard.go.link\/imZys?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorcard\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8480\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Banner-Skorcard_800-x-400-px.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Banner-Skorcard_800-x-400-px.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Banner-Skorcard_800-x-400-px-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2023\/05\/Banner-Skorcard_800-x-400-px-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Kesimpulan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jadi, interest on account adalah bunga terkait dengan saldo rekening, bisa bunga yang kamu peroleh dari tabungan atau bunga yang kamu bayar dari pinjaman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan memahami cara perhitungan hingga faktor yang mempengaruhinya, kamu bisa lebih bijak mengatur keuangan pribadi. Entah kamu ingin menumbuhkan dana lewat rekening berbunga (interest bearing account), atau menghindari bunga tinggi pada utang, kuncinya ada di pemahaman ini.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dan jangan lupa, kalau kamu ingin tahu kondisi finansialmu lebih akurat, dari riwayat kredit sampai peluang disetujui pinjaman, cek lewat <\/span><b>Skorlife<\/b><span style=\"font-weight: 400;\"> sekarang.<\/span><\/p>\n<hr \/>\n<h2><b>FAQ Seputar Interest on Account<\/b><\/h2>\n<ol>\n<li><b> Apa itu interest on account?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Interest on account adalah bunga yang terkait dengan saldo rekening, bisa berupa bunga yang kamu terima dari tabungan, atau bunga yang kamu bayarkan dari pinjaman.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Interest on account artinya apa dalam laporan bank?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Di laporan bank, interest on account artinya jumlah bunga yang ditambahkan (jika tabungan) atau dikurangkan (jika pinjaman) dari saldo rekening kamu selama periode tertentu.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Bagaimana cara menghitung interest on account?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Gunakan rumus sederhana: <\/span><span style=\"font-weight: 400;\">Interest = Saldo Pokok \u00d7 Tingkat Bunga \u00d7 Periode<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Untuk bunga majemuk: <\/span><span style=\"font-weight: 400;\">A = P \u00d7 (1 + r\/n)^(n \u00d7 t)<\/span><span style=\"font-weight: 400;\">, lalu bunga = A &#8211; P.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Apa bedanya interest on account dengan accrued interest?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Interest on account adalah bunga yang berlaku pada akun secara umum, sedangkan accrued interest adalah bunga yang sudah berjalan tetapi belum dibayarkan atau diterima.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Bagaimana cara memantau interest on account biar keuangan lebih terkontrol?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Kamu bisa gunakan aplikasi seperti <\/span><b>Skorlife<\/b><span style=\"font-weight: 400;\"> untuk cek riwayat kredit, melihat bunga berjalan, dan mengatur strategi pembayaran supaya bunga utang tidak membengkak.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pelajari interest on account artinya apa, fungsi, dan cara menghitung bunga rekening agar kamu lebih bijak kelola tabungan &amp; pinjaman.<\/p>\n","protected":false},"author":22,"featured_media":9269,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-9268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - 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