Pls.........help

N 11TH CLASS ACCOUNTS BOOK I HAVE READ THAT DEBIT MEANS  DECREASE IN OWNERS EQUITY AND CREDIT MEANS INCREASE IN OWNERS EQUITY..........THIS STATEMENT APPLIES ON EXPENSES AND INCOME AS WE DEBIT EXPENSES BECAUSE EXPENSES REDUCES PROPRIETORS EQUITY SIMILARLY INCOME IN BUSINESS INCREASES PROPRIETORS EQUITY SO WE CREDIT INCOME IN OUR BUSINESS. BUT I WANT TO KNOW HOW THIS STATEMENT APPLIES ON ASSETS AND LIABILITIES BEACUSE WE DEBIT INCREASES IN ASSETS IN OUR BUSINESS , SO ACCODINT TO THE ABOVE STATEMENT INCREAES IN ASSETS REDUCES OWNERS EQUITY...HOW DOES THIS POSSIBLE  BECAUSE INCREASE IN ASSETES EITHER REDUCES OTHER ASSET OR INCREASE S A LIABILITY BUT THE OWNERS EQUITU REMAIN UNAFFECTED........SIMILARLY AS CREDIT MEANS INCREASES IN OWNERS EQUITY SO WHEN A BUSINESS TAKES A LOAN FROM BANK HOW DOES THIS LOAN AMOUNT AMOUNT INCREASES OWNERS EQUITY ..PLEASE EXPLAIN IT CLEARL