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Soal :

Seorang membungakan uang kepada seorang rentenir sebesar Rp. 18.750.000,00


mulai tanggal 10 Januari 2008 sampai 12 juni 2008 dengan suku bunga 13,2% per
tahun. Setelah jatuh tempo modal beserta bunga digunakan oleh orang itu untuk
membeli sebuah annuitas atau polis asuransi. Jika umurnya pada saat membeli
annuitas atau polis asuransi adalah 40 tahun 7 bulan, maka tentukan besarnya :

1. ( i = 3%
2. : ( i = 3% )
3. ( i = 2,75% )
Px
4. m ( i = 2,75% )
A1x:n
5. ( i = 2,75% )
1
P
6. m x:n ]
( i = 2,75% )

Penyelesaian :

Diketahui : 10 Januari 2008 12 juni 2008


M = Rp. 18.750.000,00
b = 13.2%
x = 40 tahun 7 bulan
n = 8 tahun
m =5

Ditanya : 1. ( i = 2,75% )
2. : ( i = 2,75% )
3. ( i = 3% )
Px
4. m ( i = 3% )
1
A
5. x :n ( i = 3% )
1
P
6. m x:n ]
( i = 3% )

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Jawab :

Hitung jumlah hari Tahun Kabisat 2008

Januari ( 31 10) 21 hari


Februari 29 hari
Maret 31 hari
April 30 hari
Mei 31 hari
Juni 12 hari
jumlah 154 hari


B= M
366 100
154 13,2
= 18.750.000,00
366 100
= Rp. 1.041.393,44

L=M+B
= 18.750.000,00 + 1.041.393,44
= Rp. 19.791.393,44

+1
1. = . ; i = 3%

40 = 270.794,53 ; 41 = 4.899.423,07

41 = 261.282,56 ; 42 = 4.638.140,51

7
40;7 = 40 12 (40 41 )

7
= 270.794,53 (270.794,53 261.282,56)
12

= 270.794,53 5.548,65

= 265.245,88
7
41;7 = 41 12 (41 42 )

7
= 4.899.423,07 (4.899.423,07 4.638.140,51)
12

= 4.899.423,07 152.414,83

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= 4.747.008,24

40;7 = . 41;7
40;7

4.747.008,24
= 19.791.393,44. 265.245,88

= Rp. 354.119.310,20

+1 ++1
2. : = . ; i = 3% , n = 8 tahun

41;7 = 4.747.008,24
40;7 = 265.245,88
49 = 3.057.282,44
50 = 2.865.554,60
7
49;7 = 49 12 (49 50 )

7
= 3.057.282,44 (3.057.282,44 2.865.554,60)
12

= 3.057.282,44 112.424,57

= 2.944.857,87

41;7 49;7
40;7:8= . 40;7
4.747.008,24 2.944.857,87
= 19.791.393,44. 265.245,88

= Rp. 134.467.939,70


3. = . ; i = 2,75%

40 = 140.893,03 ; 40 = 298.439,06

41 = 139.098,06 ; 41 = 288.656,66

7
40;7 = 40 12 (40 41 )

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7
= 298.439,06 12 (298.439,06 288.656,66)

= 298.439,06 5.706,40

= 292.732,66
7
40;7 = 40 12 (40 41 )

7
= 140.893,03 12 (140.893,03 139.098,06)

= 140.893,03 1.047,07

= 139.845,96


40;7 = . 40;7
40;7
139.845,96
= 19.791.393,44 . 292.732,66

= Rp. 9.454.860,33

4. m Px = .
; i = 2,75% , m = 5

+

40 = 5.886.500,99 ; 45 = 4.490.112,78
41 = 5.588.061,93 ; 46 = 4.238.611,89
40;7 = 139.845,96
7
40;7 = 40 12 (40 41 )

7
= 5.886.500,99 12 (5.886.500,99 5.588.061,93)

= 5.886.500,99 174.089,45

= 5.712.411,54
7
45;7 = 45 12 (45 46 )

7
= 4.490.112,78 12 (4.490.112,78 4.238.611,89)

= 4.490.112,78 146.708,85

= 4.343.403,93

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40;7
5 P42;4 = .
40;7 45;7

139.845,96
= 19.791.393,44 . 5.712.411,54 4.343.403,93
= Rp. 2.021.711,33

5. A x:n = .
+
; i = 2,75% n = 8

48 = 124.783,89
49 = 122.449,05
40;7 = 139.845,96
40;7 = 292.732,66

7
48;7 = 48 12 (48 49 )

7
= 124.783,89 12 (124.783,89 122.449,05)

= 124.783,89 1.361,99

= 123.421,90

1
A40;7 4;7 48;7
= .
40;7
139.845,96 123.421,90
= 19.791.393,44 . 292.732,66
= Rp. 1.110.416,01

1
P + + +
6. m x:n ]
= . ; i = 2,75%
+

48 = 225.468,76

49 = 217.099,48

40;7 = 139.845,96

48;7 = 123.421,90

40;7 =5.712.411,54

45;7 = 4.343.405,93

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7
48;7 = 48 12 (48 49 )

7
= 225.468,76 12 (225.468,76 217.099,48)

= 225.468,76 4.882,08

= 220.586,68

1
P 40;7 48;7 + 48;7
5 40;7:8]
= .
40;7 45;7
139.845,96 123.421,90+220.586,68
= 19.791.393,44. 5.712.411,54 4.343.405,93
= Rp. 3.426.403,75

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