Accrued Interest: Pengertian, Rumus, & Penjurnalannya dalam Akuntansi<\/title>\n<meta name=\"description\" content=\"Dalam artikel ini, kami menjelaskan apa itu accrued interest, membagikan rumus penghitungannya, menjelaskan cara mencatatnya dalam pembukuan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kledo.com\/blog\/accrued-interest\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accrued Interest: Pengertian, Rumus, & Penjurnalannya dalam Akuntansi\" \/>\n<meta property=\"og:description\" content=\"Dalam artikel ini, kami menjelaskan apa itu accrued interest, membagikan rumus penghitungannya, menjelaskan cara mencatatnya dalam pembukuan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kledo.com\/blog\/accrued-interest\/\" \/>\n<meta property=\"og:site_name\" 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$\"Banner$ <\/a><\/figure>\n<\/div>\n\n\n
Rumus untuk Menghitung Accrued Interest<\/h2>\n\n\n\n
Menghitung bunga yang harus dibayar mengharuskan Anda mengumpulkan beberapa informasi penting. Ini termasuk utang atau pinjaman yang belum dibayar, suku bunga atas utang yang belum dibayar dan jumlah hari dari bunga yang harus dibayar atau periode utang yang belum dibayar.<\/p>\n\n\n\n
Dengan informasi di atas, berikut adalah rumus untuk menghitung bunga yang harus dibayar tersebut:<\/p>\n\n\n\n
\n
Accrued interest = suku bunga x (jangka waktu\/365) x jumlah pinjaman<\/strong><\/p>\n<\/blockquote>\n\n\n\n
Apa yang Dimaksud dengan Ayat Jurnal Accrued interest?<\/h2>\n\n\n\n
Ayat jurnal bunga yang harus sibayar adalah metode pencatatan jumlah bunga atas pinjaman yang telah terjadi namun belum dibayarkan oleh peminjam dan belum diterima oleh pemberi pinjaman. <\/p>\n\n\n\n
Accrued interest adalah bunga yang diperoleh dari hutang yang belum dibayar selama periode keuangan tertentu. Bunga ini mencakup periode di mana debitur belum membayar jumlah yang terutang kepada pemberi pinjaman.<\/p>\n\n\n\n
Dalam akuntansi berbasis akrual, pencatatan bunga yang harus dibayar adalah sama untuk pemberi pinjaman dan peminjam, dengan ayat penyesuaian akrual untuk masing-masing pihak sebelum laporan keuangan diterbitkan. <\/p>\n\n\n\n
Dalam hal ini, ayat jurnal penyesuaian peminjam mendebit beban bunga dan mengkredit utang bunga akrual, yang merupakan kewajiban lancar. Ayat penyesuaian pemberi pinjaman mendebit piutang bunga akrual dan mengkredit pendapatan bunga.<\/p>\n\n\n\n
Baca juga: Cara Membuat Jurnal Kas Kecil dan Contoh Kasusnya<\/a><\/strong><\/p>\n\n\n\n
Cara Mencatat Accrued Interest dalam Pembukuan Anda <\/h2>\n\n\n
\n
$\"Accrued$ <\/figure>\n<\/div>\n\n\n
Bagaimana Anda membuat entri jurnal bunga akrual tergantung pada apakah Anda peminjam atau pemberi pinjaman. <\/p>\n\n\n\n
Seperti yang sudah kami jelaskan diatas sebelumnya, jika Anda adalah peminjam, Anda akan menggunakan akun-akun berikut ini:<\/p>\n\n\n\n
\n
Akun Beban Bunga<\/li>\n\n\n\n
Akun Hutang Bunga Akrual<\/li>\n<\/ul>\n\n\n\n
Jika Anda adalah pemberi pinjaman (misalnya, memberikan kredit), Anda akan menggunakan akun-akun berikut ini:<\/p>\n\n\n\n
\n
Akun Piutang Bunga Akrual<\/li>\n\n\n\n
Akun Pendapatan Bunga<\/li>\n<\/ul>\n\n\n\n
Dibawah kami juga akan memberitahu Anda cara untuk mengetahui dan menghitung accrued interest selama suatu periode. Kemudian, Anda bisa tahu cara menyiapkan ayat jurnal untuk peminjam dan pemberi pinjaman dan melihat contoh untuk keduanya. <\/p>\n\n\n\n
Baca juga: Cara Membuat Jurnal Penutup Perusahaan Dagang dan Contohnya<\/a><\/strong><\/p>\n\n\n\n
Menghitung bunga yang harus dibayarkan selama suatu periode <\/h3>\n\n\n\n
Untuk menghitung bunga akrual, Anda perlu mengetahui tiga hal:<\/p>\n\n\n\n
\n
Suku bunga (persentase)<\/li>\n\n\n\n
Periode waktu (jumlah hari bunga masih harus dibayar)<\/li>\n\n\n\n
Jumlah pinjaman atau kredit\u00a0<\/li>\n<\/ul>\n\n\n\n
Setelah Anda mengetahui ketiga informasi tersebut, Anda dapat memasukkannya ke dalam rumus bunga akrual:<\/p>\n\n\n\n
Accrued interest = [Suku Bunga X (Jangka Waktu \/ 365)] X Jumlah Pinjaman<\/strong><\/p>\n\n\n\n
Contoh<\/h4>\n\n\n\n
Mari kita lihat pinjaman sebesar 10.000.000 dengan bunga 5%. Anda ingin mengetahui bunga akrual selama 20 hari. <\/p>\n\n\n\n
[5% X (20 \/ 365)] X 10.000.000 = 27.400<\/p>\n\n\n\n
Bunga akrual selama periode waktu ini adalah 27.400. Ini adalah jumlah yang akan Anda catat dalam pembukuan Anda.<\/p>\n\n\n\n
Baca juga: Cara Membuat Jurnal Penutup Perusahaan Jasa<\/a><\/strong><\/p>\n\n\n\n
Jurnal hutang bunga dari sisi peminjam<\/h3>\n\n\n\n
Saat Anda mengambil pinjaman atau jalur kredit, Anda berhutang bunga. Anda harus mencatat pengeluaran dan bunga yang terhutang dalam pembukuan Anda.<\/p>\n\n\n\n
Untuk mencatat Accrued interest selama suatu periode akuntansi, debet akun Beban bunga Anda dan kreditkan akun Hutang bunga akrual Anda. Ini berarti meningkatkan pengeluaran dan hutang Anda.<\/p>\n\n\n\n
Perhatikan cara mencatat entri jurnal beban bunga:<\/p>\n\n\n\n
Tanggal<\/strong><\/td> Akun<\/strong><\/td> Notes<\/strong><\/td> Debit<\/strong><\/td> Kredit<\/strong><\/td><\/tr>
X\/XX\/XXXX<\/td> Beban bunga<\/td> <\/td> X<\/td> <\/td><\/tr>
<\/td> Hutang bunga akrual<\/td> <\/td> <\/td> X<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Contoh<\/h4>\n\n\n\n
Katakanlah Anda bertanggung jawab membayar bunga akrual sebesar 27.400 dari contoh sebelumnya. Ayat jurnal Anda akan meningkatkan akun Beban bunga Anda melalui debit 27.400 dan meningkatkan akun Hutang Accrued interest melalui kredit 27.400.<\/p>\n\n\n\n
Lihatlah bagaimana ayat jurnal Anda akan terlihat:<\/p>\n\n\n\n
Tanggal<\/strong><\/td> Akun<\/strong><\/td> Notes<\/strong><\/td> Debit<\/strong><\/td> Credit<\/strong><\/td><\/tr>
X\/XX\/XXXX<\/td> Beban bunga<\/td> <\/td> 27.400<\/td> <\/td><\/tr>
<\/td> Hutang bunga akrual<\/td> <\/td> <\/td> 27.400<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Baca juga: Accrued Revenue: Pengertian, Cara Mencatat, dan Kriterianya<\/a><\/strong><\/p>\n\n\n\n
Jurnal mencatat bunga piutang dari sisi pemberi pinjaman<\/h3>\n\n\n\n
Jika Anda memberikan kredit kepada pelanggan atau mengeluarkan pinjaman, Anda menerima pembayaran bunga. Anda harus mencatat pendapatan hutang Anda di pembukuan Anda.<\/p>\n\n\n\n
Untuk mencatat bunga akrual selama suatu periode akuntansi, debet akun Piutang bunga akrualt dan kreditkan akun Pendapatan bunga Anda. Ini meningkatkan akun piutang dan pendapatan Anda.<\/p>\n\n\n\n
Berikut tampilan ayat jurnalnya:<\/p>\n\n\n\n
Tanggal<\/strong><\/td> Akun<\/strong><\/td> Notes<\/strong><\/td> Debit<\/strong><\/td> Kredit<\/strong><\/td><\/tr>
X\/XX\/XXXX<\/td> Piutang bunga akrual<\/td> <\/td> X<\/td> <\/td><\/tr>
<\/td> Pendapatan bunga<\/td> <\/td> <\/td> X<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Contoh<\/p>\n\n\n\n
Sekarang, katakanlah pelanggan Anda berhutang bunga akrual sebesar 27.400 kepada Anda. Ayat jurnal Anda harus meningkatkan akun Beban bunga Anda melalui debit sebesar 27.400 dan meningkatkan akun Hutang bunga akrual melalui kredit sebesar 27.400.<\/p>\n\n\n\n
Tanggal<\/strong><\/td> Akun<\/strong><\/td> Notes<\/strong><\/td> Debit<\/strong><\/td> Kredit<\/strong><\/td><\/tr>
X\/XX\/XXXX<\/td> Piutang bunga akrual<\/td> <\/td> 27.400<\/td> <\/td><\/tr>
<\/td> Pendapatan bunga<\/td> <\/td> <\/td> 27.400<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Baca juga: Alur Penerimaan Kas Beserta Contoh dan Jurnalnya<\/a><\/strong><\/p>\n\n\n\n
Pentingnya Memahami Accrued Interest<\/h2>\n\n\n
\n
$\"Accrued$ <\/figure>\n<\/div>\n\n\n
Memahami accrued interest penting bagi pemberi pinjaman dan peminjam. <\/p>\n\n\n\n
Bagi pemberi pinjaman, menghitung dan memperbarui pembukuan untuk menunjukkan bunga akrual membantu pemberi pinjaman mengetahui berapa banyak bunga yang mereka peroleh dari pinjaman tersebut. <\/p>\n\n\n\n
Pemberi pinjaman juga dapat melihat peminjam mana yang membayar bunga lebih banyak atau peminjam dengan tunggakan tinggi. <\/p>\n\n\n\n
Informasi ini membantu pemberi pinjaman mengetahui status keuangan bisnis mereka, yang sangat penting dalam membuat keputusan berbasis keuangan, seperti memberikan pinjaman lebih banyak atau mengurangi pencairan lebih lanjut.<\/p>\n\n\n\n
Bagi peminjam, memahami accrued interest membantu pemilik bisnis membuat keputusan yang tepat mengenai pinjaman di masa depan dan pengelolaan arus kas. <\/p>\n\n\n\n
Suku bunga yang tinggi dapat mempengaruhi kemampuan peminjam untuk membayar utangnya. Menghitung bunga akrual juga membantu peminjam memutuskan cara termurah untuk mengumpulkan uang untuk bisnis mereka, seperti memilih pemberi pinjaman dengan suku bunga rendah. <\/p>\n\n\n\n
Penting bagi pemberi pinjaman dan peminjam untuk mengambil langkah-langkah untuk memahami cara kerja proses akrual untuk menjaga hubungan bisnis yang baik.<\/p>\n\n\n\n
Baca juga: Jurnal Penutup Perusahaan Manufaktur: Komponen dan Contohnya<\/a><\/strong><\/p>\n\n\n\n
Apa Perbedaan Antara Bunga Reguler dan Bunga Akrual?<\/h2>\n\n\n\n
Menginvestasikan uang Anda pada produk bank atau obligasi atau meminjam dari lembaga keuangan melibatkan beberapa jenis bunga. <\/p>\n\n\n\n
Saat menghitung biaya untuk perjanjian accrued interest, Anda mempertimbangkan saldo dan suku bunga rekening saat ini, yang berarti bahwa biaya tersebut meningkat hingga peminjam melunasi seluruh jumlah pinjamannya. Pada bunga reguler, pembayaran yang harus dibayar tetap sama.<\/p>\n\n\n\n
Saat Anda meminjam uang dari lembaga keuangan, Anda diharuskan membayarnya kembali dengan bunga. <\/p>\n\n\n\n
Pemberi pinjaman mengharapkan bunga dan pokok dibayar dalam jangka waktu pinjaman. Baik pemberi pinjaman maupun peminjam menyetujui tingkat suku bunga tertentu yang konstan sepanjang jangka waktu pinjaman. <\/p>\n\n\n\n
Misalnya, jika Anda meminjam pinjaman sebesar 10.000.000 dengan tingkat bunga 12%, Anda membayar 1.200.000 untuk seluruh durasi pinjaman. Anda kemudian dapat membayar 100.000 per bulan untuk tahun tersebut.<\/p>\n\n\n\n
Baca juga: Contoh Jurnal Koreksi Persediaan dan Cara Membuatnya<\/a><\/strong><\/p>\n\n\n\n
Kesimpulan<\/h2>\n\n\n\n
Mengetahui cara melakukan pencatatan transaksi yang sesuai dengan standar pembukuan sangat penting untuk memastikan data keuangan bisnis Anda sesuai, termasuk dalam mencatatan accrued interest atau bunga yang masih harus dibayar baik Anda sebagai peminjam atau pemberi pinjaman.<\/p>\n\n\n\n
Pastikan juga Anda menggunakan sistem akuntansi modern untuk proses pembukuan yang lebih praktis dan cepat, salah satunya menggunakan software akuntansi<\/a> online seperti Kledo.<\/p>\n\n\n\n
Kledo adalah software akuntansi online berbasis cloud yang sudah dipercaya oleh lebih dari 75.000 pengguna dari berbagai jenis dan skala bisnis di Indonesia.<\/p>\n\n\n\n
Dengan menggunakan Kledo Anda bisa dengan mudah mencatat seluruh transaksi dalam bisnis, membuat laporan keuangan instan, melakukan manajemen persediaan dengan lebih baik, dan masih banyak lagi.<\/p>\n\n\n\n
Jika tertarik, Anda bisa mencoba menggunakan Kledo secara gratis selama 14 hari melalui tautan ini.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"
Melakukan dan mnyimpan pembukuan bisnis yang up to date adalah praktik yang baik yang membantu Anda mengetahui kesehatan bisnis Anda. Accrued interest atau bunga yang masih harus dibayar adalah salah satu catatan terpenting bagi pemberi pinjaman dan peminjam. Mengetahui cara menghitung dan mencatat accrued interest sangat penting dalam mengembangkan bisnis dan menjaga hubungan yang baik […]<\/p>\n","protected":false},"author":6,"featured_media":26274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[360],"tags":[11992,11995,11994,11993,11991,105,11990,1134],"class_list":["post-26269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-panduan-akuntansi","tag-apa-itu-accrued-interest","tag-bunga-akrual","tag-cara-hitung-accrued-interest","tag-contoh-jurnal","tag-jurnal-accrued-interest","tag-kledo","tag-pengertian-accrued-interest","tag-software-akuntansi"],"yoast_head":"\nAccrued Interest: Pengertian, Rumus, & Penjurnalannya dalam Akuntansi<\/title>\n<meta name=\"description\" content=\"Dalam artikel ini, kami menjelaskan apa itu accrued interest, membagikan rumus penghitungannya, menjelaskan cara mencatatnya dalam 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Menghitung bunga yang harus dibayarkan selama suatu periode <\/h3>\n\n\n\nUntuk menghitung bunga akrual, Anda perlu mengetahui tiga hal:<\/p>\n\n\n\n\nSuku bunga (persentase)<\/li>\n\n\n\nPeriode waktu (jumlah hari bunga masih harus dibayar)<\/li>\n\n\n\n