Interest or the interest of money is given remuneration of the debtor to the creditor on capital loaned.
Capital or loans is an amount of money borrowed from the debtor’s creditors for a certain period by giving rewards in the form of flowers.
Debtors are people or institutions that borrow some money or take loans from banks or financial institutions.
Creditors are people or institutions that make loans or provide credit.

Any entrepreneur who will start businesses, develop business, or increase business capital, would require some money. The money can be obtained by borrowing money to someone else, take out a loan to the bank, or apply for loans to other financial institutions. In return for the loan, the entrepreneur will provide remuneration in the form of money called interest or the interest money.

calculating interest
The calculation of interest is usually in percent per year.
Interest can be calculated using the following formula.
a. The formula to calculate interest daily, interest = MxLxP: 100×360
b. The formula to calculate interest on a monthly basis, interest = MxLxP: 100×12
c. The formula to calculate the annual interest rate, interest rate = MxLxP: 100

Description:
M is the capital borrowed or planted.
L is the length of that borrowed capital or planted.
P is the percent interest a year.

Terms of calculation of interest is as follows.
1. Day delivery of capital earn interest, while the day of return does not earn interest.
2. Calculation of day rates can be calculated according to the actual day (according to the calendar) and can also be determined each month has 30 days.
3. 360 days a year set interest rates.

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 Though he wasn’t really a rated officer within the military – he’d formerly been a railroad conductor and made the decision to make use of the title for additional prestige and also to garner respect – Drake was credited for drilling the very first oil well. Shacked up within the small community of Titusville situated within the northwest corner of Pennsylvania, Drake hit oil in a depth of 69 ft.

 The relaxation, as the saying goes, is history. But you might not learn about this other “first”… Nearly 40 years before Drake started appearing like a colonel, another guy was working hard drilling their own fortune. And what he was drilling for is shaping the earth’s future energy stage these days.

 A Cinderella Energy Story

 80 miles north of Titusville, William Hart dug the very first well particularly focusing on gas. Only using spades, his well was 27 ft deep. As we actually want to understand how far we have originate from a technology perspective, just consider the pipeline accustomed to ship the created gas is made from hollowed-out logs smacked as well as tar and cloth.

Today, you will find a lot more than 2.2. million miles of steel pipelines underneath U.S. soil shipping gas to a lot more than 68 million people.

 Sadl, gas continues to be lumped using its ugly step-siblings coal and oil, despite as being a cleaner supply of energy than both. Unlike oil, however, its future is vibrant… Gas will play a vital role within our energy mix. We are able to guarantee much at this time.

 The thing is, the U . s . States is going through a big change.

 Searching at data in the EIA, roughly 1 / 2 of U.S. total electric capacity originates from plants which are a lot more than 30 years old. Let us focus as it were about the two primary fuel types: coal and gas. The majority of the gas-powered plants happen to be built in the last 10 years, while a lot more than three-quarters of all of the coal-fired plants were built throughout the sixties and seventies…

 A week ago, we had precisely how desperate Japan would be to avoid a catastrophic energy crisis. Japan have been in an exciting-out melee with China over liquefied gas (LNG) supplies.

 But China is equally as hungry for brand new powers.

 The nation’s LNG imports arrived at a brand new record in This summer at a lot more than 1.18 million metric tons. Gas demand leaped 25% over This summer 2010. By 2035, China is forecasted to double its gas demand, growing around 5% each year – the greatest rate of growth around the globe. Which type of growth is not limited to China. India can also be likely to double its gas consumption by 2035, and gas will apparently constitute roughly 12% from the Subcontinent’s energy mix.

A week ago, I designed a promise that I’d abandon my unfocused ways and search in on five stocks that appear to be particularly interesting at this time. Taking center stage at this time is ArcelorMittal (New york stock exchange: MT  ) , the 500-pound gorilla of global steel production.

I’ll begin by saying that i’m no expert if this involves metals and materials, not to mention the steel industry particularly. Kind I even consider trading inside a company like ArcelorMittal?
Understanding what I’m not sure — that’s, the dynamics from the steel industry  – could keep me from attempting to wax poetical about the subject and attempting to make any kind of forecasts that hinge on that area of the picture. However, you will find things that I know, namely:
* What it really means to become a up and down integrated, world leader with scale.
* The significance of savvy, committed leadership having a substantial possession interest.
* The signposts of solid financial performance.
* How much of an beautifully listed stock appears like.
A good investment in ArcelorMittal would require work on my small part because I’d need to get more up-to-speed with an industry that I am not thoroughly acquainted with. That’s kind of a strike against it (only “kind of” because I actually do enjoy getting my start learning on). About the switch side, the points that I have layed out above are extremely strong selling points to have an investment. So that as a large fan of returns, the situation is not hurt through the stock’s nice dividend yield climax notable the dividend continues to be slashed by half from the peak level in 2008.

By at this time, this really is greatly in contention for that top just right my buy list — presently struggling for your place with Home Depot (New york stock exchange: HD  ) , that we checked out a week ago. But no champion is going to be crowned until I have examined all five from the stocks that I have set to search into. Stay updated for individuals dispatches and my pick from the eventual champion.

Meanwhile, hopefully I have given you plenty to consider. While you digest this and search in to the amounts yourself, you need to proceed and add ArcelorMittal for your watchlist to maintain what are you doing at the organization. Do not have a watchlist? You are fortunate, you can begin one free of charge on this link.

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The economic system is used to overcome the economic problems facing a country. Well, for Indonesia, the economic system chosen must be in accordance with the spirit and ideals of the country. Therefore, system of Indonesia’s economy is based on Article 33 UUD 1945 as a structural basis, the Pancasila as the foundation of ideal rights, and the Guidelines of State Policy as an operational basis. In Article 33 UUD 1945 stated that Indonesia’s economy emphasizing equality of rights, obligations, and treatment of all citizens in the economic field.

By viewing the contents of Article 33 UUD 1945, features of the economic system of Indonesia is as follows:
a. The economy is structured as a joint effort based on principle of the family.
b. Branches of production which is important for the state and who dominate the life of the people controlled by the state.
c. Earth, water, and natural riches contained therein is controlled by the state and used profusely to the people’s prosperity.
d. Organized a national economy based on economic democracy with the principles of togetherness, efficiency, equitable, sustainable, environmentally sound, independence, and balancing economic progress and national unity. Justice is the starting point, the process, as well as goals to be achieved.
e. And state financial resources are used after the conspiracy people’s representative institutions and policies that surveillance conducted by the agency.
f. Developed regional economies in line with the potential of regional assets within the scope of the Indonesian state.
g. Every citizen has the right and freedom to determine their respective jobs and are entitled to a decent livelihood.
h. Recognition of private property rights and its use must not conflict with the interests of society.
i. Potential and creativity of individuals can thrive as long as not harming the interests of the general public.

The characteristics of the economic system is tailored to the ideals of the Indonesian people, namely to realize a just and prosperous society. The principle of justice regarding divisions of production, income and opportunities among its citizens. Fair indicates adequacy for all according to his needs, without a noticeable difference in wealth and without discrimination, gender, family, tribe, religion, race, island and province. The principle of prosperity should give priority to the prosperity of the community rather than individual or class of persons.

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Traditional economic systems are simple in people’s lives who depend on products of nature to meet the needs of his life. In this economic system of the household acted as producers as well consumers that every household own just trying to meet their needs.
Characteristics of the traditional economic system is as follows:
a. No sharing of work in the community.
b. Still use the barter system in the needs of his life.
c. The process of production and distribution system developed for custom or tradition that occurs in the community.
d. Type of production based on the needs of each household.
e. Family nature of the rights protected in public life.
f. Nature is the source of life and prosperity.

The advantages of the traditional economic system is as follows:
a. There would no competition because all the efforts made by normal activities.
b. Activities that are done to meet the needs of everyday life.
c. By the nature of her family, the community living in togetherness.

The weaknesses of the traditional economic system is as follows:
a. Production is limited to the community does not seek gain or profit.
b. Not developed the mindset of society as the result of the influence of tradition.
c. Does not consider the efficiency and use of resources.
d. Economic activities performed to meet the needs of living alone, not to increase the prosperity and well-being.

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The firm is a partnership to run the company with the name together. In the firm there are some people who are allied to run a company, and has agreed to use common names, which generally is the name of one of his allies.

When several people allied to establish a firm, then together they must make an official certificate or not official certificate. Such deed (in America called the articles of copartnership or articles of partnership) contains what things that have been approved jointly by the allies, among others: the name of a company that was established, the amount of capital each partner and others.

The firm who are not registered and did not announce the official summary, with the result that the Firm working in all branches of the company, a company incorporated for an unlimited time, and each partner authorized to sign and do any legal act on behalf of his company.

In firm, separation of personal property by companies property is meaningless, because if the assets of companies unable to meet the payment of corporate debts, personal property of the allies to guarantee, in other words, each partner is fully liable.

Profit of the firm divided by its allies in accordance content deed. Generally, income is divided on the basis of the number of capital that is entered by their respective allies. This is commonly called, based on the balance of income. Another way to do insofar as not inconsistent with law, such as profit sharing should not be made by third parties or profit should not be given to an ally. Losses can be charged to only one ally.

Allies who did not enter the capital and only put in power, getting a share of profits or losses are the same with allies that include the smallest capital.

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The production process is a process to process inputs to produce goods and services. The amount of output will be affected by large or small inputs and technology used. The relationship between the number of input use and the amount of output produced, with a certain level of technology is called the production function. Input in production activities can be grouped into fixed inputs and variable inputs. Fixed input is a factor of production whose numbers always remain unchanged although the number of outputs has change, such as equipment and machinery. Variable input is a factor of production whose numbers always change when output changes, such as labor and raw materials.

Production function can be used for three-production concept, namely the total product, average product and marginal product. Total product is the amount of overall output. Total product divided by the number of certain variable inputs will produce an average product. Marginal product is the change in total production as a result of changes in the use of one unit of input variables.

With the use of fixed inputs in the same amount, the addition of the input variables that are constantly being made will not always be efficient, this is because the fixed input have limitations. One theory explaining this situation is the theory of David Ricardo, The Law of Diminishing Returns. This theory states that if there are (at least) one input is fixed (such as land or machinery), combined with a variable input (labor) that are each coupled with one unit, the output will increase as well, first with the accretion rate more than proportionately (Increasing returns), but starting at specific point the additional results would be less than proportional (diminishing returns).

Accretion law of diminishing returns reflect a relationship that is very basic. With the increasing number of input variables used while the other inputs fixed, the productivity will decrease. Manufacturers must determine the proper amount of labor to maintain productivity levels.

Monetary economics become an important branch in economics. One reason is that money plays an important role in the field of human life. Also, because money plays a role in relation to international trade. Price money of any country in relation to the price of other state funds into the bookmark how to position trade in that country in the world at large.

The issue of money is not only important in relation to the national economy, but also important in relation to the world economy. Very important for a country, the country’s entrepreneurs to ensure price stability of the money and if possible raise the price of money in relation to the price of foreign currencies abroad. One attempt to achieve that purpose is to use political finance, which also became monetary economic environment.

At the start, money is of secondary in economic theory. But gradually a thing or an important part of economic theory. Since money is an important tool in economic life, because the immense influence in the economy, the perceived need to hold a general theory of its own money investigating the problem. Study of the theory of money with its ​​relationships is called the monetary theory and economics specializing attention to the study of money with its ​​relationships is called the monetary economy.

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Accounting has developed since humans require records of its transactions. Accounting developments introduced by a mathematician, namely Luca Pacioli. He introduced the system of bookkeeping in pairs which are based on mathematical logic. This system has been understood in Italy since 1494 after Luca Pacioli published a book entitled Summa de Aritmatica, Geometrica, Proportioni et Computies et Scriptoris. In this book there are chapters which discuss financial issues, namely chapter Tractacus de Computies et Scriptoris. This chapter introduces and discusses the accounting system in pairs or continental system.

Continental system is a system for recording financial transactions into two parts, namely debit and credit. Debit and credit side must be in a state of balance. This system will produce a systematic and integrated accounting.

Over the development period, continental system becoming obsolete. Indonesian businessman who was initially adopted the continental system started implementing the Anglo-Saxon accounting system. In this system, the core activities is in the division of activity or financial records. Bookkeeping is part of the accounting system. Rapid development of Anglo-Saxon system in Indonesia caused by some of the following.
a. The more rapid foreign investment in Indonesia influenced the development of accounting. Most foreign companies in Indonesia using the Anglo-Saxon system.
b. Most of the accountants completed the education in America and it affects the application of the accounting system.

Based on two of the above, the Anglo Saxon system used in Indonesia until now. This system is used in education and in business practices.

The key to remain able to survive in the face of economic depression storm that might occur in the future is a solid preparation, as simple as that. You have to prepare far in advance so you and your family can get through tough times. The first thing you can do is prepare the money to pay all your obligations. No need to be entirely paid, provided most of your obligations immediately pay off. Because has a big cash during a period of economic depression is extremely important. And not less important is to minimize the financial obligations as low as possible, as suggested previously. Number of cash that you have not so much mean if you are also have a lot of debts. Therefore it is advisable to settle your obligations first, especially if your debt take from the bank which of course will be getting bigger because of interest.
Another alternative to overcome the hard times that may occur as a result of economic depression is to grow your own food crops, if you have enough empty land fertile. If you do not have one, start saving from now to buy a plot of fertile land or fields that you can cultivate a variety of food crops like rice, and so forth. If you have no agricultural expertise, you can hire other people or farmers with revenue-sharing system. The important thing is you have something you can count on as a source of food for your family if food prices soar amid economic depression. This method will also save your finances, and in the long term will allow you to have cash in sufficient amounts to be reinvested in the investment sectors that benefit in the long term such as real estate, etc..
You can survive in any economic situation if you have the planning and preparation. If you wait until the last moment, the risk is that you will be too late to save yourself and your family. So start from now before it’s too late. Good luck.