How to log interest on long-term loan

How to log interest on long-term loan

I have a l ong-term shareholder loan.  I created an account for it, and correctly created a loan for $16,000.  Now the loan is acquiring interest owed, although it is not yet in repayment. 

I tried entering a manual journal entry like this:

Financing charge                   Debit $126.44
Shareholder loan                                          Credit $126.44

However, this must not be the right way to do it because now my cash flow statement shows $126.44 coming in to the organization through financing activity.  Obviously no cash came in--it's interest owed.

How should I do this?