Penentuan Nisbah Produk Pendanaan

Cara menentukan nisbah produk pendanaan:

(1) hitung pendapatan bank, misal 15.32% p.a;

(2) hitung biaya-biaya (historical data, missal ohc = 4%), ppap = 1% p.a;

(3) tentukan harapan keuntungan, misal: 3% p.a. Perhitungan nisbah untuk bank = (biaya + harapan keuntungan)/pendapatan = (5% + 3%)/15.32% = 52.2%. Nisbah maksimal produk untuk nasabah = 100% – nisbah bank = 100% – 52.2% = 47.8%.

 

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