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meskipun, hal itu tidak diwajibkan" class=""><span>Buat akun baru</span></a> </li> <li id="pt-login-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Istimewa:Masuk_log&returnto=Peringkat+kredit" title="Anda disarankan untuk masuk log, meskipun hal itu tidak diwajibkan. 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[o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Masuk log</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Halaman penyunting yang telah keluar log <a href="/wiki/Bantuan:Pengantar" aria-label="Pelajari lebih lanjut tentang menyunting"><span>pelajari lebih lanjut</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/Istimewa:Kontribusi_saya" title="Daftar suntingan yang dibuat dari alamat IP ini [y]" accesskey="y"><span>Kontribusi</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Istimewa:Pembicaraan_saya" title="Pembicaraan tentang suntingan dari alamat IP ini [n]" accesskey="n"><span>Pembicaraan</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Situs"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="Daftar isi" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">Daftar isi</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">pindah ke bilah sisi</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">sembunyikan</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">Awal</div> </a> </li> <li id="toc-Peringkat_kredit_pribadi" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Peringkat_kredit_pribadi"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>Peringkat kredit pribadi</span> </div> </a> <ul id="toc-Peringkat_kredit_pribadi-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Peringkat_kredit_perusahaan" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Peringkat_kredit_perusahaan"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Peringkat kredit perusahaan</span> </div> </a> <ul id="toc-Peringkat_kredit_perusahaan-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Peringkat_negara" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Peringkat_negara"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Peringkat negara</span> </div> </a> <ul id="toc-Peringkat_negara-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Peringkat_kredit_jangka_pendek" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Peringkat_kredit_jangka_pendek"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Peringkat kredit jangka pendek</span> </div> </a> <ul id="toc-Peringkat_kredit_jangka_pendek-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Lembaga_pemeringkat_kredit" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Lembaga_pemeringkat_kredit"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Lembaga pemeringkat kredit</span> </div> </a> <ul id="toc-Lembaga_pemeringkat_kredit-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Referensi" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Referensi"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>Referensi</span> </div> </a> <ul id="toc-Referensi-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Lihat_pula" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Lihat_pula"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>Lihat pula</span> </div> </a> <ul id="toc-Lihat_pula-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Daftar isi" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Gulingkan daftar isi" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Gulingkan daftar isi</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Peringkat kredit</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Pergi ke artikel dalam bahasa lain. Terdapat 40 bahasa" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-40" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">40 bahasa</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%AA%D8%B5%D9%86%D9%8A%D9%81_%D8%A7%D8%A6%D8%AA%D9%85%D8%A7%D9%86%D9%8A" title="تصنيف ائتماني – Arab" lang="ar" hreflang="ar" data-title="تصنيف ائتماني" data-language-autonym="العربية" data-language-local-name="Arab" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-bg mw-list-item"><a href="https://bg.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%B5%D0%BD_%D1%80%D0%B5%D0%B9%D1%82%D0%B8%D0%BD%D0%B3" title="Кредитен рейтинг – Bulgaria" lang="bg" hreflang="bg" data-title="Кредитен рейтинг" data-language-autonym="Български" data-language-local-name="Bulgaria" class="interlanguage-link-target"><span>Български</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%8B%E0%A6%A3_%E0%A6%AA%E0%A6%B0%E0%A6%BF%E0%A6%B6%E0%A7%8B%E0%A6%A7%E0%A7%87_%E0%A6%9D%E0%A7%81%E0%A6%81%E0%A6%95%E0%A6%BF%E0%A6%B0_%E0%A6%AE%E0%A7%82%E0%A6%B2%E0%A7%8D%E0%A6%AF%E0%A6%BE%E0%A6%AF%E0%A6%BC%E0%A6%A8" title="ঋণ পরিশোধে ঝুঁকির মূল্যায়ন – Bengali" lang="bn" hreflang="bn" data-title="ঋণ পরিশোধে ঝুঁকির মূল্যায়ন" data-language-autonym="বাংলা" data-language-local-name="Bengali" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Qualificaci%C3%B3_de_cr%C3%A8dit" title="Qualificació de crèdit – Katalan" lang="ca" hreflang="ca" data-title="Qualificació de crèdit" data-language-autonym="Català" data-language-local-name="Katalan" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Rating" title="Rating – Cheska" lang="cs" hreflang="cs" data-title="Rating" data-language-autonym="Čeština" data-language-local-name="Cheska" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-da mw-list-item"><a href="https://da.wikipedia.org/wiki/Kreditvurdering" title="Kreditvurdering – Dansk" lang="da" hreflang="da" data-title="Kreditvurdering" data-language-autonym="Dansk" data-language-local-name="Dansk" class="interlanguage-link-target"><span>Dansk</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Rating" title="Rating – Jerman" lang="de" hreflang="de" data-title="Rating" data-language-autonym="Deutsch" data-language-local-name="Jerman" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-en mw-list-item"><a href="https://en.wikipedia.org/wiki/Credit_rating" title="Credit rating – Inggris" lang="en" hreflang="en" data-title="Credit rating" data-language-autonym="English" data-language-local-name="Inggris" class="interlanguage-link-target"><span>English</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Calificaci%C3%B3n_de_cr%C3%A9dito" title="Calificación de crédito – Spanyol" lang="es" hreflang="es" data-title="Calificación de crédito" data-language-autonym="Español" data-language-local-name="Spanyol" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/Riigireiting" title="Riigireiting – Esti" lang="et" hreflang="et" data-title="Riigireiting" data-language-autonym="Eesti" data-language-local-name="Esti" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-eu mw-list-item"><a href="https://eu.wikipedia.org/wiki/Kreditu_sailkapen" title="Kreditu sailkapen – Basque" lang="eu" hreflang="eu" data-title="Kreditu sailkapen" data-language-autonym="Euskara" data-language-local-name="Basque" class="interlanguage-link-target"><span>Euskara</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%B1%D8%AA%D8%A8%D9%87%E2%80%8C%D8%B3%D9%86%D8%AC%DB%8C_%D8%A7%D8%B9%D8%AA%D8%A8%D8%A7%D8%B1%DB%8C" title="رتبه‌سنجی اعتباری – Persia" lang="fa" hreflang="fa" data-title="رتبه‌سنجی اعتباری" data-language-autonym="فارسی" data-language-local-name="Persia" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Luottoluokitus" title="Luottoluokitus – Suomi" lang="fi" hreflang="fi" data-title="Luottoluokitus" data-language-autonym="Suomi" data-language-local-name="Suomi" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Notation_financi%C3%A8re" title="Notation financière – Prancis" lang="fr" hreflang="fr" data-title="Notation financière" data-language-autonym="Français" data-language-local-name="Prancis" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-he mw-list-item"><a href="https://he.wikipedia.org/wiki/%D7%93%D7%99%D7%A8%D7%95%D7%92_%D7%90%D7%A9%D7%A8%D7%90%D7%99" title="דירוג אשראי – Ibrani" lang="he" hreflang="he" data-title="דירוג אשראי" data-language-autonym="עברית" data-language-local-name="Ibrani" class="interlanguage-link-target"><span>עברית</span></a></li><li class="interlanguage-link interwiki-hr mw-list-item"><a href="https://hr.wikipedia.org/wiki/Kreditni_rejting" title="Kreditni rejting – Kroasia" lang="hr" hreflang="hr" data-title="Kreditni rejting" data-language-autonym="Hrvatski" data-language-local-name="Kroasia" class="interlanguage-link-target"><span>Hrvatski</span></a></li><li class="interlanguage-link interwiki-hu mw-list-item"><a href="https://hu.wikipedia.org/wiki/Ad%C3%B3sbesorol%C3%A1s" title="Adósbesorolás – Hungaria" lang="hu" hreflang="hu" data-title="Adósbesorolás" data-language-autonym="Magyar" data-language-local-name="Hungaria" class="interlanguage-link-target"><span>Magyar</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Rating" title="Rating – Italia" lang="it" hreflang="it" data-title="Rating" data-language-autonym="Italiano" data-language-local-name="Italia" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E6%A0%BC%E4%BB%98%E3%81%91" title="信用格付け – Jepang" lang="ja" hreflang="ja" data-title="信用格付け" data-language-autonym="日本語" data-language-local-name="Jepang" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-kk mw-list-item"><a href="https://kk.wikipedia.org/wiki/%D0%9D%D0%B5%D1%81%D0%B8%D0%B5%D0%BB%D1%96%D0%BA_%D1%80%D0%B5%D0%B9%D1%82%D0%B8%D0%BD%D0%B3" title="Несиелік рейтинг – Kazakh" lang="kk" hreflang="kk" data-title="Несиелік рейтинг" data-language-autonym="Қазақша" data-language-local-name="Kazakh" class="interlanguage-link-target"><span>Қазақша</span></a></li><li class="interlanguage-link interwiki-kn mw-list-item"><a href="https://kn.wikipedia.org/wiki/%E0%B2%95%E0%B3%8D%E0%B2%B0%E0%B3%86%E0%B2%A1%E0%B2%BF%E0%B2%9F%E0%B3%8D_%E0%B2%B0%E0%B3%87%E0%B2%9F%E0%B2%BF%E0%B2%82%E0%B2%97%E0%B3%8D" title="ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್ – Kannada" lang="kn" hreflang="kn" data-title="ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್" data-language-autonym="ಕನ್ನಡ" data-language-local-name="Kannada" class="interlanguage-link-target"><span>ಕನ್ನಡ</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%8B%A0%EC%9A%A9%EB%93%B1%EA%B8%89" title="신용등급 – Korea" lang="ko" hreflang="ko" data-title="신용등급" data-language-autonym="한국어" data-language-local-name="Korea" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Kredito_reitingas" title="Kredito reitingas – Lituavi" lang="lt" hreflang="lt" data-title="Kredito reitingas" data-language-autonym="Lietuvių" data-language-local-name="Lituavi" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-lv mw-list-item"><a href="https://lv.wikipedia.org/wiki/Kred%C4%ABtreitings" title="Kredītreitings – Latvi" lang="lv" hreflang="lv" data-title="Kredītreitings" data-language-autonym="Latviešu" data-language-local-name="Latvi" class="interlanguage-link-target"><span>Latviešu</span></a></li><li class="interlanguage-link interwiki-mk mw-list-item"><a href="https://mk.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%B5%D0%BD_%D1%80%D0%B5%D1%98%D1%82%D0%B8%D0%BD%D0%B3" title="Кредитен рејтинг – Makedonia" lang="mk" hreflang="mk" data-title="Кредитен рејтинг" data-language-autonym="Македонски" data-language-local-name="Makedonia" class="interlanguage-link-target"><span>Македонски</span></a></li><li class="interlanguage-link interwiki-mr mw-list-item"><a href="https://mr.wikipedia.org/wiki/%E0%A4%AA%E0%A4%A4%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A4%BE%E0%A4%82%E0%A4%95%E0%A4%A8" title="पतमानांकन – Marathi" lang="mr" hreflang="mr" data-title="पतमानांकन" data-language-autonym="मराठी" data-language-local-name="Marathi" class="interlanguage-link-target"><span>मराठी</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Obligatierating" title="Obligatierating – Belanda" lang="nl" hreflang="nl" data-title="Obligatierating" data-language-autonym="Nederlands" data-language-local-name="Belanda" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/Kredittvurdering" title="Kredittvurdering – Bokmål Norwegia" lang="nb" hreflang="nb" data-title="Kredittvurdering" data-language-autonym="Norsk bokmål" data-language-local-name="Bokmål Norwegia" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Rating_kredytowy" title="Rating kredytowy – Polski" lang="pl" hreflang="pl" data-title="Rating kredytowy" data-language-autonym="Polski" data-language-local-name="Polski" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Classifica%C3%A7%C3%A3o_de_cr%C3%A9dito" title="Classificação de crédito – Portugis" lang="pt" hreflang="pt" data-title="Classificação de crédito" data-language-autonym="Português" data-language-local-name="Portugis" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D1%8B%D0%B9_%D1%80%D0%B5%D0%B9%D1%82%D0%B8%D0%BD%D0%B3" title="Кредитный рейтинг – Rusia" lang="ru" hreflang="ru" data-title="Кредитный рейтинг" data-language-autonym="Русский" data-language-local-name="Rusia" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-sh mw-list-item"><a href="https://sh.wikipedia.org/wiki/Kreditni_rejting" title="Kreditni rejting – Serbo-Kroasia" lang="sh" hreflang="sh" data-title="Kreditni rejting" data-language-autonym="Srpskohrvatski / српскохрватски" data-language-local-name="Serbo-Kroasia" class="interlanguage-link-target"><span>Srpskohrvatski / српскохрватски</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/Kreditni_rejting" title="Kreditni rejting – Serbia" lang="sr" hreflang="sr" data-title="Kreditni rejting" data-language-autonym="Српски / srpski" data-language-local-name="Serbia" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-sv badge-Q70893996 mw-list-item" title=""><a href="https://sv.wikipedia.org/wiki/Kreditrating" title="Kreditrating – Swedia" lang="sv" hreflang="sv" data-title="Kreditrating" data-language-autonym="Svenska" data-language-local-name="Swedia" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-ta mw-list-item"><a href="https://ta.wikipedia.org/wiki/%E0%AE%95%E0%AE%9F%E0%AE%A9%E0%AF%8D_%E0%AE%AE%E0%AE%A4%E0%AE%BF%E0%AE%AA%E0%AF%8D%E0%AE%AA%E0%AF%80%E0%AE%9F%E0%AF%81" title="கடன் மதிப்பீடு – Tamil" lang="ta" hreflang="ta" data-title="கடன் மதிப்பீடு" data-language-autonym="தமிழ்" data-language-local-name="Tamil" class="interlanguage-link-target"><span>தமிழ்</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Kredi_derecelendirmesi" title="Kredi derecelendirmesi – Turki" lang="tr" hreflang="tr" data-title="Kredi derecelendirmesi" data-language-autonym="Türkçe" data-language-local-name="Turki" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D0%B8%D0%B9_%D1%80%D0%B5%D0%B9%D1%82%D0%B8%D0%BD%D0%B3" title="Кредитний рейтинг – Ukraina" lang="uk" hreflang="uk" data-title="Кредитний рейтинг" data-language-autonym="Українська" data-language-local-name="Ukraina" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-wuu mw-list-item"><a href="https://wuu.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E8%AF%84%E7%BA%A7" title="信用评级 – Wu Tionghoa" lang="wuu" hreflang="wuu" data-title="信用评级" data-language-autonym="吴语" data-language-local-name="Wu Tionghoa" class="interlanguage-link-target"><span>吴语</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E8%AF%84%E7%BA%A7" title="信用评级 – Tionghoa" lang="zh" hreflang="zh" data-title="信用评级" data-language-autonym="中文" data-language-local-name="Tionghoa" class="interlanguage-link-target"><span>中文</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E4%BF%A1%E8%B2%B8%E8%A9%95%E7%B4%9A" title="信貸評級 – Kanton" lang="yue" hreflang="yue" data-title="信貸評級" data-language-autonym="粵語" data-language-local-name="Kanton" class="interlanguage-link-target"><span>粵語</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q372765#sitelinks-wikipedia" title="Sunting pranala interwiki" class="wbc-editpage">Sunting pranala</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Ruang nama"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul 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[h]" accesskey="h"><span>Lihat riwayat</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="Peralatan halaman"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="Perkakas" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">Perkakas</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-tools-unpinned-container" class="vector-unpinned-container"> <div id="vector-page-tools" class="vector-page-tools vector-pinnable-element"> <div class="vector-pinnable-header 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vector-more-collapsible-item mw-list-item"><a href="/wiki/Peringkat_kredit"><span>Baca</span></a></li><li id="ca-more-ve-edit" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&veaction=edit" title="Sunting halaman ini [v]" accesskey="v"><span>Sunting</span></a></li><li id="ca-more-edit" class="collapsible vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&action=edit" title="Sunting kode sumber halaman ini [e]" accesskey="e"><span>Sunting sumber</span></a></li><li id="ca-more-history" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&action=history"><span>Lihat riwayat</span></a></li> </ul> </div> </div> <div id="p-tb" class="vector-menu mw-portlet mw-portlet-tb" > <div class="vector-menu-heading"> Umum </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="t-whatlinkshere" class="mw-list-item"><a href="/wiki/Istimewa:Pranala_balik/Peringkat_kredit" title="Daftar semua halaman wiki yang memiliki pranala ke halaman ini [j]" accesskey="j"><span>Pranala balik</span></a></li><li id="t-recentchangeslinked" class="mw-list-item"><a href="/wiki/Istimewa:Perubahan_terkait/Peringkat_kredit" rel="nofollow" title="Perubahan terbaru halaman-halaman yang memiliki pranala ke halaman ini [k]" accesskey="k"><span>Perubahan terkait</span></a></li><li id="t-specialpages" class="mw-list-item"><a href="/wiki/Istimewa:Halaman_istimewa" title="Daftar semua halaman istimewa [q]" accesskey="q"><span>Halaman istimewa</span></a></li><li id="t-permalink" class="mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&oldid=21368226" title="Pranala permanen untuk revisi halaman ini"><span>Pranala permanen</span></a></li><li id="t-info" class="mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&action=info" title="Informasi lanjut tentang halaman ini"><span>Informasi halaman</span></a></li><li id="t-cite" class="mw-list-item"><a href="/w/index.php?title=Istimewa:Kutip&page=Peringkat_kredit&id=21368226&wpFormIdentifier=titleform" title="Informasi tentang bagaimana mengutip halaman ini"><span>Kutip halaman ini</span></a></li><li id="t-urlshortener" class="mw-list-item"><a href="/w/index.php?title=Istimewa:UrlShortener&url=https%3A%2F%2Fid.wikipedia.org%2Fwiki%2FPeringkat_kredit"><span>Lihat URL pendek</span></a></li><li id="t-urlshortener-qrcode" class="mw-list-item"><a href="/w/index.php?title=Istimewa:QrCode&url=https%3A%2F%2Fid.wikipedia.org%2Fwiki%2FPeringkat_kredit"><span>Unduh kode QR</span></a></li> </ul> </div> </div> <div id="p-coll-print_export" class="vector-menu mw-portlet mw-portlet-coll-print_export" > <div class="vector-menu-heading"> Cetak/ekspor </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="coll-create_a_book" class="mw-list-item"><a href="/w/index.php?title=Istimewa:Buku&bookcmd=book_creator&referer=Peringkat+kredit"><span>Buat buku</span></a></li><li id="coll-download-as-rl" class="mw-list-item"><a href="/w/index.php?title=Istimewa:DownloadAsPdf&page=Peringkat_kredit&action=show-download-screen"><span>Unduh versi PDF</span></a></li><li id="t-print" class="mw-list-item"><a href="/w/index.php?title=Peringkat_kredit&printable=yes" title="Versi cetak halaman ini [p]" accesskey="p"><span>Versi cetak</span></a></li> </ul> </div> </div> <div id="p-wikibase-otherprojects" class="vector-menu mw-portlet mw-portlet-wikibase-otherprojects" > <div class="vector-menu-heading"> Dalam proyek lain </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="wb-otherproject-link wb-otherproject-commons mw-list-item"><a href="https://commons.wikimedia.org/wiki/Category:Credit_rating" hreflang="en"><span>Wikimedia Commons</span></a></li><li id="t-wikibase" class="wb-otherproject-link wb-otherproject-wikibase-dataitem mw-list-item"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q372765" title="Pranala untuk menghubungkan butir pada ruang penyimpanan data [g]" accesskey="g"><span>Butir di Wikidata</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> </div> <div class="vector-column-end"> <div class="vector-sticky-pinned-container"> <nav class="vector-page-tools-landmark" aria-label="Peralatan halaman"> <div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Tampilan"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Tampilan</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">pindah ke bilah sisi</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">sembunyikan</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">Dari Wikipedia bahasa Indonesia, ensiklopedia bebas</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="id" dir="ltr"><p><b>Peringkat kredit</b> adalah penilaian dari <a href="/wiki/Risiko_kredit" title="Risiko kredit">risiko kredit</a> dari seorang individu, <a href="/wiki/Perusahaan" title="Perusahaan">perusahaan</a>, ataupun suatu <a href="/wiki/Negara" title="Negara">negara</a>. Peringkat kredit dibuat berdasarkan riwayat finansial dan aset yang dimiliki sekarang serta kewajiban. Pada umumnya peringkat kredit suatu negara mencerminkan kelayakan kredit sebuah negara yaitu kemampuan negara membayar kembali utang-utangnya sehingga tidak akan menimbulkan risiko gagal bayar kepada <a href="/wiki/Kreditur" title="Kreditur">kreditur</a> atau <a href="/wiki/Investor" title="Investor">investor</a> dengan kemungkinan kalah melaksanakan pengembalian / pembayaran utangnya.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> Namun pada akhir-akhir ini peringkat kredit juga digunakan guna menentukan premi <a href="/wiki/Asuransi" title="Asuransi">asuransi</a>, memutuskan kelayakan suatu pekerjaan, dan penetapan besarnya nilai jaminan dalam <a href="/wiki/Sewa_guna_usaha" title="Sewa guna usaha">sewa guna usaha</a> <i>(leasing)</i>. </p> <figure class="mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/Berkas:Main_Credit_Ratings.png" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/c/c3/Main_Credit_Ratings.png/400px-Main_Credit_Ratings.png" decoding="async" width="400" height="566" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/c/c3/Main_Credit_Ratings.png/600px-Main_Credit_Ratings.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/c/c3/Main_Credit_Ratings.png/800px-Main_Credit_Ratings.png 2x" data-file-width="1190" data-file-height="1683" /></a><figcaption>Tabel perhitungan peringkat kredit</figcaption></figure> <p>Peringkat kredit yang rendah mengindikasikan suatu risiko yang tinggi atas kemungkinan <a href="/wiki/Gagal_bayar" title="Gagal bayar">gagal bayar</a> dan oleh karenanya menjadikan bunga pinjaman tersebut menjadi tinggi. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Peringkat_kredit_pribadi">Peringkat kredit pribadi</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=1" title="Sunting bagian: Peringkat kredit pribadi" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=1" title="Sunting kode sumber bagian: Peringkat kredit pribadi"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Di negara seperti <a href="/wiki/Amerika_Serikat" title="Amerika Serikat">Amerika</a>, <a href="/w/index.php?title=Riwayat_kredit&action=edit&redlink=1" class="new" title="Riwayat kredit (halaman belum tersedia)">riwayat kredit</a> individu dibuat dan dikelola oleh suatu lembaga yang disebut "<a href="/w/index.php?title=Biro_kredit&action=edit&redlink=1" class="new" title="Biro kredit (halaman belum tersedia)">Biro kredit</a>" . <a href="/wiki/Risiko_kredit" title="Risiko kredit">risiko kredit</a> biasanya ditetapkan berdasarkan suatu analisis statistik dari data kredit yang tersedia. Umumnya hasil analisis ini berbentuk 3 digit <a href="/w/index.php?title=Nilai_kredit&action=edit&redlink=1" class="new" title="Nilai kredit (halaman belum tersedia)">nilai kredit</a> yang dibuat oleh layanan jasa keuangan mandiri seperti misalnya penilaian kredit dari <a href="/wiki/FICO" class="mw-redirect" title="FICO">FICO</a> (Fair Isaac Corporation) yaitu suatu perusahaan yang merupakan perintis konsep peringkat kredit pada akhir era tahun 1950an. </p><p>Suatu nilai kredit dari seorang individu ini akan sangat berpengaruh pada kemampuannya untuk memperoleh pinjaman dari lembaga keuangan seperti <a href="/wiki/Bank" title="Bank">bank</a>. </p><p>Di <a href="/wiki/Kanada" title="Kanada">Kanada</a>, peringkat yang umumnya digunakan adalah standar akun Amerika Utara yang juga dikenal dengan sebutan peringkat "R" dimana nilainya antara R0 hingga R9. R0 digunakan untuk memberikan peringkat pada akun baru, R1 digunakan bagi pembayaran tepat waktu dan R9 diberikan bagi utang macet. </p><p>Faktor yang memengaruhi peringkat kredit seseorang adalah:<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p> <ul><li>Kemampuan untuk melakukan pembayaran utangnya</li> <li>suku bunga</li> <li>junlah kredit yang digunakan</li> <li>pola menabung</li> <li>pola pembelanjaan</li></ul> <div class="mw-heading mw-heading2"><h2 id="Peringkat_kredit_perusahaan">Peringkat kredit perusahaan</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=2" title="Sunting bagian: Peringkat kredit perusahaan" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=2" title="Sunting kode sumber bagian: Peringkat kredit perusahaan"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Peringkat kredit dari suatu <a href="/wiki/Perusahaan" title="Perusahaan">perusahaan</a> adalah indikator keuangan bagi <a href="/wiki/Investor" title="Investor">investor</a> <a href="/wiki/Sekuriti" class="mw-redirect" title="Sekuriti">sekuriti</a> seperti misalnya <a href="/wiki/Obligasi" title="Obligasi">obligasi</a> Peringkat ini dibuat oleh <a href="/wiki/Lembaga_pemeringkat_kredit" title="Lembaga pemeringkat kredit">lembaga pemeringkat kredit</a> seperti <a href="/wiki/Standard_%26_Poor%27s" class="mw-redirect" title="Standard & Poor's">Standard & Poor's</a> atau <a href="/wiki/Fitch_Ratings" title="Fitch Ratings">Fitch Ratings</a> dan peringkat ini ditunjukkan dengan huruf seperti misalnya AAA, B, CC. </p> <div class="mw-heading mw-heading2"><h2 id="Peringkat_negara">Peringkat negara</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=3" title="Sunting bagian: Peringkat negara" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=3" title="Sunting kode sumber bagian: Peringkat negara"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Peringkat negara adalah peringkat kredit yang diberikan terhadap suatu suatu daerah pemerintahan misalnya negara, provinsi, dll., yang menunjukkan tingkat risiko dari suatu <a href="/wiki/Investasi" title="Investasi">investasi</a> pada suatu negara dan digunakan oleh investor untuk melakukan investasi di luar negaranya. </p> <div class="mw-heading mw-heading2"><h2 id="Peringkat_kredit_jangka_pendek">Peringkat kredit jangka pendek</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=4" title="Sunting bagian: Peringkat kredit jangka pendek" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=4" title="Sunting kode sumber bagian: Peringkat kredit jangka pendek"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Peringkat kredit jangka pendek adalah faktor kemungkinan <a href="/wiki/Gagal_bayar" title="Gagal bayar">gagal bayar</a> dari suatu individu dalam rentang waktu setahun. Ini adalah kebalikannya dari peringkat kredit jangka panjang yang merupakan evaluasi peringkat kredit untuk suatu rentang waktu yang panjang. </p> <div class="mw-heading mw-heading2"><h2 id="Lembaga_pemeringkat_kredit">Lembaga pemeringkat kredit</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=5" title="Sunting bagian: Lembaga pemeringkat kredit" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=5" title="Sunting kode sumber bagian: Lembaga pemeringkat kredit"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r18844875">.mw-parser-output .hatnote{font-style:italic}.mw-parser-output div.hatnote{padding-left:1.6em;margin-bottom:0.5em}.mw-parser-output .hatnote i{font-style:normal}.mw-parser-output .hatnote+link+.hatnote{margin-top:-0.5em}</style><div role="note" class="hatnote navigation-not-searchable">Artikel utama: <a href="/wiki/Lembaga_pemeringkat_kredit" title="Lembaga pemeringkat kredit">Lembaga pemeringkat kredit</a></div> <p>Peringkat kredit dari suatu individu dibuat oleh biro kredit yang di <a href="/wiki/Inggris" title="Inggris">Inggris</a> dan <a href="/wiki/Amerika_Serikat" title="Amerika Serikat">Amerika</a> disebut "<i>credit reference agencies</i>". Peringkat kredit bagi perusahaan dan pemerintah dibuat oleh <a href="/wiki/Lembaga_pemeringkat_kredit" title="Lembaga pemeringkat kredit">lembaga pemeringkat kredit</a> </p><p>Beberapa biro kredit di berbagai negara antara lain: </p> <ul><li>Di <a href="/wiki/Amerika_Serikat" title="Amerika Serikat">Amerika</a>: Experian, Equifax, TransUnion, dan Innovis.</li> <li>Di <a href="/wiki/Inggris" title="Inggris">Inggris</a> Experian, Equifax, dan Callcredit.</li> <li>Di <a href="/wiki/Kanada" title="Kanada">Kanada</a> Equifax, TransUnion dan Northern Credit Bureaus/ Experian.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup></li></ul> <p>Beberapa <a href="/wiki/Lembaga_pemeringkat_kredit" title="Lembaga pemeringkat kredit">lembaga pemeringkat kredit</a> di dunia anatara lain: <a href="/wiki/Moody%27s" title="Moody's">Moody's</a>, <a href="/wiki/Standard_and_Poor%27s" class="mw-redirect" title="Standard and Poor's">Standard and Poor's</a> dan <a href="/wiki/Fitch_Ratings" title="Fitch Ratings">Fitch Ratings</a>. </p><p>Di Indonesia lembaga pemeringkat kredit yang dikenal antara lain: <a href="/w/index.php?title=Pemeringkat_Efek_Indonesia&action=edit&redlink=1" class="new" title="Pemeringkat Efek Indonesia (halaman belum tersedia)">Pemeringkat Efek Indonesia</a> (PEFINDO), <a href="/w/index.php?title=Moody%27s_Indonesia&action=edit&redlink=1" class="new" title="Moody's Indonesia (halaman belum tersedia)">Moody's Indonesia</a> </p> <div class="mw-heading mw-heading2"><h2 id="Referensi">Referensi</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=6" title="Sunting bagian: Referensi" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=6" title="Sunting kode sumber bagian: Referensi"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r18833634">.mw-parser-output .reflist{font-size:90%;margin-bottom:0.5em;list-style-type:decimal}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><cite class="citation web">BeritaSatu.com. <a rel="nofollow" class="external text" href="https://www.beritasatu.com/whisnu-bagus-prasetyo/archive/286508/apa-manfaat-credit-rating-dan-credit-rating-agency">"Apa Manfaat "Credit Rating" dan "Credit Rating Agency"?"</a>. <i>beritasatu.com</i><span class="reference-accessdate">. Diakses tanggal <span class="nowrap">2020-10-28</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=beritasatu.com&rft.atitle=Apa+Manfaat+%22Credit+Rating%22+dan+%22Credit+Rating+Agency%22%3F&rft.au=BeritaSatu.com&rft_id=https%3A%2F%2Fwww.beritasatu.com%2Fwhisnu-bagus-prasetyo%2Farchive%2F286508%2Fapa-manfaat-credit-rating-dan-credit-rating-agency&rfr_id=info%3Asid%2Fid.wikipedia.org%3APeringkat+kredit" class="Z3988"><span style="display:none;"> </span></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.equifax.com/EFX_Canada/consumer_information_centre/faqs_e.html#ques14">"Pusat informasi konsumen"</a>, Equifax</span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.cibc.com/ca/pdf/student-workbook-en.pdf">"Student workbook"</a>, CIBC p. 14</span> </li> </ol></div></div> <ul><li><cite class="citation book">de Servigny, Arnaud and Olivier Renault (2004). <i>The Standard & Poor's Guide to Measuring and Managing Credit Risk</i>. McGraw-Hill. ISBN13 978-0071417556.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=The+Standard+%26+Poor%27s+Guide++to+Measuring+and+Managing+Credit+Risk&rft.pub=McGraw-Hill&rft.date=2004&rft.au=de+Servigny%2C+Arnaud+and+Olivier+Renault&rfr_id=info%3Asid%2Fid.wikipedia.org%3APeringkat+kredit" class="Z3988"><span style="display:none;"> </span></span></li></ul> <div class="mw-heading mw-heading2"><h2 id="Lihat_pula">Lihat pula</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Peringkat_kredit&veaction=edit&section=7" title="Sunting bagian: Lihat pula" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Peringkat_kredit&action=edit&section=7" title="Sunting kode sumber bagian: Lihat pula"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Risiko_kredit" title="Risiko kredit">Risiko kredit</a></li> <li><a href="/wiki/Gagal_bayar" title="Gagal bayar">Gagal bayar</a></li> <li><a href="/w/index.php?title=Riwayat_kredit&action=edit&redlink=1" class="new" title="Riwayat kredit (halaman belum tersedia)">Riwayat kredit</a></li> <li><a href="/wiki/Skor_kredit" title="Skor kredit">Skor kredit</a></li> <li><a href="/wiki/Lembaga_pemeringkat_kredit" title="Lembaga pemeringkat kredit">Lembaga pemeringkat kredit</a></li></ul>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1&useformat=desktop" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Diperoleh dari "<a dir="ltr" href="https://id.wikipedia.org/w/index.php?title=Peringkat_kredit&oldid=21368226">https://id.wikipedia.org/w/index.php?title=Peringkat_kredit&oldid=21368226</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Istimewa:Daftar_kategori" title="Istimewa:Daftar kategori">Kategori</a>: <ul><li><a href="/wiki/Kategori:Kredit" title="Kategori:Kredit">Kredit</a></li><li><a href="/wiki/Kategori:Keuangan" title="Kategori:Keuangan">Keuangan</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> Halaman ini terakhir diubah pada 12 Juli 2022, pukul 13.01.</li> <li id="footer-info-copyright">Teks tersedia di bawah <a rel="nofollow" class="external text" href="https://creativecommons.org/licenses/by-sa/4.0/deed.en">Lisensi Atribusi-BerbagiSerupa Creative Commons</a>; ketentuan tambahan mungkin berlaku. 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