Accrual ABA hanya akan menghitung jenis rekening Deposito, jenis rekening Tabungan dan Giro tidak perlu dihitung.
Rumus Accrual Deposito ABA
Perhitungan accrual ABA memiliki 2 metode perhitungan bunga, yaitu Harian atau Bulanan
1. Jika harian maka nilai accrualnya akan menggunakan rumus: saldo rekening aba * suku bunga / 365
2. Jika bulanan maka nilai accrualnya akan menggunakan rumus: saldo rekening aba * suku bunga /12
Simulasi Perhitungan Accrual Deposito ABA
| Contoh Data Deposito | |
| Tanggal Pembukaan | 2024-03-05 |
| Tanggal Jatuh Tempo | 2024-06-05 |
| Jangka Waktu (Bulan) | 3 |
| Nominal Deposito | Rp50,000,000.00 |
| Bunga | 6,75% |
| Bunga Bulanan | Rp281,250.00 |
| Total Bunga Yang Akan Diterima | Rp843,750.00 |
| Metode Perhitungan Bunga | Bulanan |
| Contoh Simulasi Perhitungan Jadwal Bunga | ||||
| Tanggal Mulai | Tanggal Jatuh Tempo | Selisih Hari | Bunga Harian | |
| 2024-03-05 | 2024-04-05 | 31 | 9,073 | Rp281,250.00 |
| 2024-04-05 | 2024-05-05 | 30 | 9,375 | Rp281,250.00 |
| 2024-05-05 | 2024-06-05 | 31 | 9,073 | Rp281,250.00 |
| Total Pendapatan Bunga | 843,750.00 | |||
Maka bunga deposito yang akan diterima pada saat jatuh tempo ada Rp 843,750.00, dengan bunga harian 9,073 (31 hari) dan 9,375 (30 hari)
Contoh Simulasi Jadwal Accrual Deposito Harian
| Bulan Maret | Bulan April | Bulan Mei | |||||
| Tanggal | Nilai Bunga Harian | Tanggal | Nilai Bunga Harian | Tanggal | Nilai Bunga Harian | ||
| 2024-03-01 | Rp- | 2024-04-01 | Rp9,072.58 | 2024-05-01 | Rp9,375.00 | ||
| 2024-03-02 | Rp- | 2024-04-02 | Rp9,072.58 | 2024-05-02 | Rp9,375.00 | ||
| 2024-03-03 | Rp- | 2024-04-03 | Rp9,072.58 | 2024-05-03 | Rp9,375.00 | ||
| 2024-03-04 | Rp- | 2024-04-04 | Rp9,072.58 | 2024-05-04 | Rp9,375.00 | ||
| 2024-03-05 | Rp9,072.58 | 2024-04-05 | Rp9,375.00 | 2024-05-05 | Rp9,072.58 | ||
| 2024-03-06 | Rp9,072.58 | 2024-04-06 | Rp9,375.00 | 2024-05-06 | Rp9,072.58 | ||
| 2024-03-07 | Rp9,072.58 | 2024-04-07 | Rp9,375.00 | 2024-05-07 | Rp9,072.58 | ||
| 2024-03-08 | Rp9,072.58 | 2024-04-08 | Rp9,375.00 | 2024-05-08 | Rp9,072.58 | ||
| 2024-03-09 | Rp9,072.58 | 2024-04-09 | Rp9,375.00 | 2024-05-09 | Rp9,072.58 | ||
| 2024-03-10 | Rp9,072.58 | 2024-04-10 | Rp9,375.00 | 2024-05-10 | Rp9,072.58 | ||
| 2024-03-11 | Rp9,072.58 | 2024-04-11 | Rp9,375.00 | 2024-05-11 | Rp9,072.58 | ||
| 2024-03-12 | Rp9,072.58 | 2024-04-12 | Rp9,375.00 | 2024-05-12 | Rp9,072.58 | ||
| 2024-03-13 | Rp9,072.58 | 2024-04-13 | Rp9,375.00 | 2024-05-13 | Rp9,072.58 | ||
| 2024-03-14 | Rp9,072.58 | 2024-04-14 | Rp9,375.00 | 2024-05-14 | Rp9,072.58 | ||
| 2024-03-15 | Rp9,072.58 | 2024-04-15 | Rp9,375.00 | 2024-05-15 | Rp9,072.58 | ||
| 2024-03-16 | Rp9,072.58 | 2024-04-16 | Rp9,375.00 | 2024-05-16 | Rp9,072.58 | ||
| 2024-03-17 | Rp9,072.58 | 2024-04-17 | Rp9,375.00 | 2024-05-17 | Rp9,072.58 | ||
| 2024-03-18 | Rp9,072.58 | 2024-04-18 | Rp9,375.00 | 2024-05-18 | Rp9,072.58 | ||
| 2024-03-19 | Rp9,072.58 | 2024-04-19 | Rp9,375.00 | 2024-05-19 | Rp9,072.58 | ||
| 2024-03-20 | Rp9,072.58 | 2024-04-20 | Rp9,375.00 | 2024-05-20 | Rp9,072.58 | ||
| 2024-03-21 | Rp9,072.58 | 2024-04-21 | Rp9,375.00 | 2024-05-21 | Rp9,072.58 | ||
| 2024-03-22 | Rp9,072.58 | 2024-04-22 | Rp9,375.00 | 2024-05-22 | Rp9,072.58 | ||
| 2024-03-23 | Rp9,072.58 | 2024-04-23 | Rp9,375.00 | 2024-05-23 | Rp9,072.58 | ||
| 2024-03-24 | Rp9,072.58 | 2024-04-24 | Rp9,375.00 | 2024-05-24 | Rp9,072.58 | ||
| 2024-03-25 | Rp9,072.58 | 2024-04-25 | Rp9,375.00 | 2024-05-25 | Rp9,072.58 | ||
| 2024-03-26 | Rp9,072.58 | 2024-04-26 | Rp9,375.00 | 2024-05-26 | Rp9,072.58 | ||
| 2024-03-27 | Rp9,072.58 | 2024-04-27 | Rp9,375.00 | 2024-05-27 | Rp9,072.58 | ||
| 2024-03-28 | Rp9,072.58 | 2024-04-28 | Rp9,375.00 | 2024-05-28 | Rp9,072.58 | ||
| 2024-03-29 | Rp9,072.58 | 2024-04-29 | Rp9,375.00 | 2024-05-29 | Rp9,072.58 | ||
| 2024-03-30 | Rp9,072.58 | 2024-04-30 | Rp9,375.00 | 2024-05-30 | Rp9,072.58 | ||
| 2024-03-31 | Rp9,072.58 | 2024-05-31 | Rp9,072.58 | ||||
| Bulan Juni | |
| Tanggal | Nilai Bunga Harian |
| 2024-06-01 | Rp9,072.58 |
| 2024-06-02 | Rp9,072.58 |
| 2024-06-03 | Rp9,072.58 |
| 2024-06-04 | Rp9,072.58 |
| 2024-06-05 | Rp- |
| 2024-06-06 | Rp- |
| 2024-06-07 | Rp- |
| 2024-06-08 | Rp- |
| 2024-06-09 | Rp- |
| 2024-06-10 | Rp- |
| 2024-06-11 | Rp- |
| 2024-06-12 | Rp- |
| 2024-06-13 | Rp- |
| 2024-06-14 | Rp- |
| 2024-06-15 | Rp- |
| 2024-06-16 | Rp- |
| 2024-06-17 | Rp- |
| 2024-06-18 | Rp- |
| 2024-06-19 | Rp- |
| 2024-06-20 | Rp- |
| 2024-06-21 | Rp- |
| 2024-06-22 | Rp- |
| 2024-06-23 | Rp- |
| 2024-06-24 | Rp- |
| 2024-06-25 | Rp- |
| 2024-06-26 | Rp- |
| 2024-06-27 | Rp- |
| 2024-06-28 | Rp- |
| 2024-06-29 | Rp- |
| 2024-06-30 | Rp- |
Maka accrual bulanan untuk bulan Maret dihitung dari tanggal 5 karena (H+0), dengan bunga harian didapat dari bunga bulan / jumlah hari
*Note:
Warna Hijau: Akrual
Warna Kuning: Beban Biaya
Contoh Simulasi Jadwal Accrual Bulanan Deposito
| Bulan | Nilai Accrual | Nilai Pendapatan |
| 0 | Rp244,959.68 | Rp- |
| 1 | Rp243,750.00 | Rp36,290.32 |
| 2 | Rp244,959.68 | Rp37,500.00 |
| 3 | Rp- | Rp36,290.32 |
| Total | Rp733,669.35 | Rp110,080.65 |
| Grand Total | Rp843,750.00 | |
Maka accrual bulanan untuk bulan Maret dihitung dari tanggal 5 karena H+0, dengan bunga harian didapat dari bunga bulan / jumlah hari
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