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Filename: libraries/Article_lib.php
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File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 624
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
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Function: xplore
File: /var/www/public_html/grid-nakita/index.php
Line: 328
Function: require_once
Severity: Notice
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Filename: libraries/Article_lib.php
Line Number: 624
Backtrace:
File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 624
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
Line: 79
Function: xplore
File: /var/www/public_html/grid-nakita/index.php
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Function: require_once
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Filename: libraries/Article_lib.php
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File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 625
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
Line: 79
Function: xplore
File: /var/www/public_html/grid-nakita/index.php
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Function: require_once
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Filename: libraries/Article_lib.php
Line Number: 626
Backtrace:
File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 626
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
Line: 79
Function: xplore
File: /var/www/public_html/grid-nakita/index.php
Line: 328
Function: require_once
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Message: Creating default object from empty value
Filename: libraries/Article_lib.php
Line Number: 626
Backtrace:
File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 626
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
Line: 79
Function: xplore
File: /var/www/public_html/grid-nakita/index.php
Line: 328
Function: require_once
Severity: Notice
Message: Undefined property: stdClass::$id
Filename: libraries/Article_lib.php
Line Number: 638
Backtrace:
File: /var/www/public_html/grid-nakita/application/libraries/Article_lib.php
Line: 638
Function: _error_handler
File: /var/www/public_html/grid-nakita/application/controllers/Read.php
Line: 79
Function: xplore
File: /var/www/public_html/grid-nakita/index.php
Line: 328
Function: require_once
Untuk mengetahui berapa persen cicilan dari gaji bulanan yang masih dalam batas sehat, berikut adalah langkah-langkah yang bisa kalian ikuti:
Hitung Total Pendapatan Bulanan: Jumlahkan semua sumber pendapatan bulanan, termasuk gaji, bonus, dan sumber pendapatan lainnya.
Hitung Total Cicilan Bulanan: Jumlahkan semua cicilan utang bulanan, seperti cicilan rumah, kendaraan, kartu kredit, dan pinjaman lainnya.
Hitung Rasio Cicilan terhadap Pendapatan: Gunakan rumus berikut untuk menghitung DTI:
DTI = ( Total Cicilan Bulanan: Total Pendapatan Bulanan)×100%
DTI = ( Total Pendapatan Bulanan: Total Cicilan Bulanan)×100%
Contoh:
Jika total pendapatan bulanan adalah Rp10.000.000 dan total cicilan bulanan adalah Rp2.500.000, maka DTInya adalah:
DTI = ( 2.500.000: 10.000.000) ×100 % = 25%
DTI =( 10.000.000: 2.500.000 )×100% = 25%
Dalam contoh ini, DTI sebesar 25% masih dianggap sehat karena berada di bawah batas maksimal 30%.
Batas maksimal 30% ini didasarkan pada penelitian dan pengalaman praktis dalam bidang keuangan pribadi.
Penulis | : | Diah Puspita Ningrum |
Editor | : | Diah Puspita Ningrum |
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