Interest earned versus interest paid
Interest can be divided into two different types: interest earned and interest paid.
Interest that is gained over a period of time is known as interest earned. Usually earned on personal accounts, interest earned is an incentive for account owners to continue to place their money in a particular account. The amount of interest you earn depends on the type of account and interest rate.
Offering you the ability to achieve your savings goals faster, savings accounts can come with introductory interest rates for the first few months of the account being opened or bonus interest if you meet certain conditions. Interest is calculated based on the amount of funds in the account. The greater the sum of the funds in the account, the more interest you gain. Discover our savings account options to choose the right savings account for your lifestyle.
Term deposits are a more attractive option if you’re looking to maximise your funds and your savings. Offering fixed, but higher, interest rates, a term deposit offers larger gains from interest rates. The interest rate differs based on factors such as term length and the sum deposited into the account. Find out why NAB Term Deposits are a great option if you’re looking to increase your savings but don’t need immediate or daily access to your money.
Unlike interest earned on personal accounts, interest paid works the opposite way: with you paying interest that is accrued. Interest paid is generally associated with products such as loans and credit cards. In this case the interest rate to be paid is a charge associated with borrowing the funds for the loan or the credit card. The interest rate will also change based on the product itself and the terms of the product.
The interest rate that you have to pay on credit cards is a service fee for borrowing the funds on the card. The interest rate you pay depends on the type of card you choose. There is also a minimum monthly repayment and usually an annual card fee. With many types of credit cards available it can be difficult to find the right credit card for your needs. Our helpful credit card comparison tool can assist you in making an informed choice when looking for a credit card. Learn about how credit card interest is calculated and how to avoid it.
Not all credit cards charge their user interest. Our StraightUp credit card is interest free. This is done by limiting the amount you can borrow on the card, and having a fixed monthly fee for its use. This fee is also reversed if, during the statement period, you make no purchases and have no outstanding balance on the card.
A home loan interest rate is used to calculate the amount interest of that you’re charged for borrowing money from a lender. The lower the interest rate, the less interest you’re likely to pay over the life of your loan. Home loans offer both fixed and variable interest rate options for you to consider:
Find out more about the benefits of fixed and variable interest rates and how they can impact your home loan repayments.
Much like a home loan, personal loan interest rates are available in fixed and variable forms and are paid over the life of the personal loan. When making the choice to get a personal loan it’s important that you make an informed decision. To determine the right loan for your goals and lifestyle, read our guide on personal loan interest rates and terms explained.
Adjustable Power Supply
Sesuai namanya, adjustable power supply merupakan jenis power supply yang arus atau tegangan listriknya bisa diatur sesuai kebutuhan. Penyesuaian tegangan bisa menggunakan knob mekanik.
Manajemen Aset-Liabilitas
Manajemen aset-liabilitas yang efektif sangat penting untuk memaksimalkan Pendapatan Bunga Bersih.
Lembaga keuangan perlu memastikan bahwa mereka memiliki keseimbangan antara risiko suku bunga pada aset dan liabilitas mereka untuk menghindari ketidaksesuaian suku bunga yang dapat berdampak negatif terhadap Pendapatan Bunga Bersih.
Persaingan dari lembaga keuangan lain juga dapat memengaruhi Pendapatan Bunga Bersih lembaga keuangan. Jika pesaing menawarkan suku bunga pinjaman atau simpanan yang lebih menarik, lembaga keuangan dapat kehilangan bisnis dan mengalami penurunan Pendapatan Bunga Bersih.
Perubahan regulasi, seperti perubahan persyaratan modal atau suku bunga, juga dapat memengaruhi Pendapatan Bunga Bersih lembaga keuangan. Perubahan peraturan dapat memengaruhi biaya dana dan tarif yang dikenakan pada pinjaman, yang dapat memengaruhi Pendapatan Bunga Bersih.
Secara keseluruhan, terdapat beberapa faktor internal dan eksternal yang dapat memengaruhi Pendapatan Bunga Bersih suatu lembaga keuangan. Penting bagi lembaga keuangan untuk mengelola faktor-faktor ini secara efektif untuk memaksimalkan Pendapatan Bunga Bersih dan mempertahankan profitabilitas jangka panjangnya.
Interest is a payment from a bank account, credit card or loan, that builds up over a set period of time. Interest can be accrued (earned) by an account like a term deposit, and paid to you in a sum at the end of a specific term. Interest is also added to loan repayments as a charge for using the funds of the lender. Find out more about our interest rates and how they can benefit you.
Regulated Power Supply
Regulated power supply merupakan jenis power supply yang berfungsi menjaga kestabilan tegangan dan arus listrik. Khususnya jika ada perubahan maupun variasi pada beban sumber listrik, baik itu arus input atau tegangannya.
Indikator Profitabilitas
Net Interest Income adalah penentu utama profitabilitas lembaga keuangan, karena mencerminkan pendapatan inti yang dihasilkan dari aktivitas pinjaman dan investasinya. Net Interest Income yang lebih tinggi menyiratkan profitabilitas yang lebih tinggi, yang penting untuk keberlanjutan jangka panjang lembaga keuangan.
What are the problems with low bone density?
Low bone density predisposes a person to fractures. The lower the bone density the higher this risk is. Depending on the affected body part, this can have further repercussions on a patient’s life and livelihood.
Commonly affected areas are the wrists, the hips and the spine. In the wrists, low bone density can predispose to distal radius fractures, which are fractures affecting the wrist bones. These commonly occur due to falls in the elderly. Once broken, the wrists are usually deformed, and wrist and hand function is usually affected adversely. This may make it hard for the patient to feed and clothe themselves.
The hips are another commonly affected area, with hip fractures in the elderly seen as an epidemic across the world. Hip fractures usually render a patient immobile and bedbound. This immobility can lead to pressure sores, infections of the urinary tract and lungs, and blood clot formation in the legs and lungs. In un-operated hip fracture patients, the 1 year mortality has been reported to be as high as 25%.
In the spine, low bone density often results in compression fractures, where the spinal bones get compressed and flattened. Not only does this cause severe pain, over time, patients find themselves hunching more. In severe cases, the patient can no longer stand upright.
While these areas are commonly affected, every bone in the body is weakened by osteoporosis, fractures can therefore affect many other areas in the body. It is therefore crucial that patients with low bone density be assessed and treated before a fracture happens.
How can we diagnose low bone density?
Usually, patients with low bone density present after a fracture. This is usually a low energy fracture, in which the injury seems like it would not cause a severe injury. This can range from breaking a toe while accidentally kicking an object, to any of the previously mentioned fractures.
Once your doctor suspects that you have low bone density, he/she will refer you for a special scan known as a dual energy x-ray absorptiometry or DEXA scan, which will allow the assessment of bone density in the body. This is usually performed on the spine and the hip, two commonly affected areas.
He/she may also order some blood tests to check the calcium and vitamin D levels in the body. Based on this information, the doctor will be able to diagnose low bone density, and offer you treatment for your problem.
What are the available treatments for osteoporosis?
Currently, there is no way to completely reverse osteoporosis. We can slow down the rate of bone loss, and even reverse the loss in bone density, but medical science is currently unable to recreate the net-like trabeculae, which is important for the strength of bones.
Despite these challenges, there are some good options available:
In addition to these methods, patients currently being treated for osteoporosis are recommended to undergo yearly or twice yearly screening of their bone density, in order to monitor progress of the disease and correct any nutritional imbalances that exist.
[1] Help to minimize bone loss and osteoporosis with diet and activity. (2022, January 02). Retrieved January 27, 2022, from https://lorimichielfitness.com/age-gracefully/osteoporosis-bo ne-loss/
Pengertian Power Supply
Dikutip e-book Pengantar Teknologi Informasi dan Komunikasi oleh Sumarno, power supply adalah perangkat keras yang berfungsi untuk menyediakan tegangan langsung ke komponen, dalam casing yang membutuhkan tegangan.
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Senada, Priyo Jatmiko dalam buku berjudul Pengenalan Komponen Industri: Part, Plc, dan Touchscreen, menuliskan power supply merupakan alat yang menyuplai tegangan listrik secara langsung, dari sumber tegangan listrik ke tegangan listrik lainnya.
Power supply komputer digunakan sebagai penghantar tegangan listrik pada komponen atau perangkat keras lainnya yang ada di komputer tersebut. Arus listrik yang dibagikan power supply ke setiap komponen komputer, seperti hardisk, motherboard (merupakan bagian utama sebuah komputer), CD-ROM, floppy, kipas (fan), dan lain-lain.
Dalam hal ini, besar tegangan yang dihasilkan power supply bisa bermacam-macam. Menurut e-book Student Guide Series Pengenalan Hardware olah Wahana Komputer, maca, arus listriknya ada yang bertegangan 5 volt hingga 12 volt.
Besaran tegangan arus listrik yang dihasilkan power supply juga tergantung pada kebutuhan masing-masing komponen. Biasanya, power supply sudah terintegrasi dengan casing.
Input supply ini bisa berupa arus bolak balik (alternating current atau AC), di mana power supply perlu mengubah tegangan AC menjadi arus searah (direct current atau DC). Pasalnya, hardware komputer hanya bisa beroperasi dengan arus searah (DC).
Jadi singkatnya, maksud dari power supply adalah alat yang berada dalam sebuah casing komputer, yang berfungsi mengatur arus listrik, lalu membaginya ke setiap komponen.
Apa yang terjadi jika power supply tidak berfungsi dengan baik? Kemungkinan besar komputer tidak bisa nyala, karena tidak ada yang penyuplai tegangan listrik ke komponen komputer lainnya.
Fungsi power supply pada komputer adalah sebagai hardware yang memberikan atau menyuplai arus listrik. Dari bentuk arus listrik berlawanan menjadi arus listrik yang searah.
Power supply komputer berfungsi untuk memberikan arus listrik DC yang dibutuhkan oleh perangkat keras dalam komputer. Power supply punya beberapa konektor kabel, yang masing-masing akan memiliki fungsi yang berbeda-beda.
Secara umum, jenis power supply ada 2 yaitu power supply AT dan ATX. Biasanya yang paling sering digunakan adalah jenis ATX.
Dirangkum dari ebook karya dari Priyo Jatmiko dan Sumarno, berikut merupakan jenis-jenis power supply:
Power supply AT adalah jenis power supply yang bisa dikatakan sudah lama. Saat ini, bisa dikatakan jenis power supply sudah jarang ditemui.
Pada masa jayanya, power supply ini banyak digunakan komputer pentium (prosesor intel dengan arsitektur superskalar) II dan pentium III. Kelebihan power supply AT yaitu memiliki kabel yang terhubung ke motherboard, terdiri dari konektor P8 dan P9.
Di sisi lain, pemasangan power supply jenis ini membutuhkan ketelitian yang tinggi. Kesalahan pemasangan yang bisa terjadi yaitu terbaik memasang konektor.
Pasalnya, terdapat 2 konektor penghubung. Untuk mematikan power supply jenis ini, kita harus menekan tombol power secara langsung karena power supply ini terhubung secara langsung dengan casing komputer.
Power supply AT adalah jenis power supply yang memiliki tampilan lebih sederhana alias simpel, dibandingkan ATX. Jenis power supply AT kabel konektor motherboardnya sudah menjadi satu dengan jumlah 20 PIN.
Makanya, power supply AT juga dikenal dengan ATX 20 PIN. Untuk pemasangannya pun cukup mudah.
Mengingat, port pada motherboard dengan konektor tidak akan menyatu. Namun, pemaksaan pada pemasangan juga perlu dihindari. Hal itu bisa menyebabkan risiko kerusakan pada port atau konektor.
Keunggulan jenis power supply ATX yaitu pada tombol powernya, yang sudah dilengkapi dengan auto shutdown. Jika komputer dimatikan maka power supply juga ikut mati. Jadi, kita tidak perlu lagi untuk menekan tombol power-nya lagi.
Pengertian Net Interest Income
Pendapatan Bunga Bersih atau Net Interest Income adalah perbedaan antara jumlah total bunga yang diterima dari pinjaman dan aset lain yang menghasilkan bunga dengan jumlah total bunga yang dibayarkan atas deposito dan kewajiban berbunga oleh lembaga keuangan.
Ini merupakan ukuran utama kinerja yang sering dipergunakan oleh bank, koperasi kredit, serta institusi keuangan lainnya untuk menilai profitabilitas dan efisiensi mereka dalam menghasilkan pendapatan bunga dari aktivitas peminjaman dan investasi. Dalam kata lain, ini mencerminkan jumlah uang yang diperoleh oleh lembaga keuangan dari pinjaman inti dan operasi investasinya.
