Budiningsih, Benedicta (2014) PEMINJAMAN KAPITALISASI PADA CREDIT UNION CINDELARAS TUMANGKAR CONDONGCATURYOGYAKARTA. ANALISIS, 06 (02). pp. 927-839. ISSN 1978-9750

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Abstract

Credit Unions have gained popularity in recent years. Their loan products have lower rates than other loan providers, slich as commercial banks. One product which has been sllch a success is the capitalization loan. The loan is defined as a loan arrangement for which the loan is turned into a saving. The loan interest is lower than the saving interest, thus afier completing the loan payments, a cllstomer will have a saving account amounting greater than the amollnt o.lloan. This study was conducted to investigate how payments for the loan are calculated, and how the saving can accumulate into an amount larger than the loan. The study concluded that the product is by no means a loss ./or the credit union, instead the credit union will gain profit throllgh the interest yield.

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