persamaan

Ada nilai tambah dari uang tersebut.

Misal pinjam 10jt kembalinya harus 10 jt tapi ada biaya tambahan nya.
Bunga sederhana (Simple Interest)
 

Bunga tepat adalah akan menguntungkan pembayar bunga (tabungan atau deposito) sle
Bunga biasa adalah akan menguntungkan menerima bunga. Biasa digunakan bank (pinjaman
atau kredit) slo.
jika p = 20 jt
Compound Interest
The interest paid from the loan (investment) is added to the principal on a regular basis, so that the
interest generated on the loan principal is drawn again together.
Formula :
S = P (1 + r) n
Information :
S = compound amount or accumulated value
P = principal loan or savings
r = Interest
n = Period of interest
Compound Interest
Compound interest uses the following formula:
I=S-P
Information :
I = Compound interest
S = accumulated value
P = principal (uang pokok)
Example
What is the accumulated value of Rp. 250,000 at the end of year 2 if compounded with interest
of 0.5% per month. What is the compound interest?
Answer:
P = IDR 250,000
r = 0.5%
n = 2 x 12 = 24 months
S = P (1 + r) n
= IDR 250,000 (1 + 0.005) 24
= IDR 250,000 x 1.1271598 = IDR 281,790
Example
Compound interest:
I=S-P
= IDR 281,790 - IDR 250,000 = IDR 31,790
Example
 
You want to save Rp. 500,000 to Rp. 588,380 for 3 years. If the applicable interest rate is per semester
or 6-month period, determine what the compound interest rate will be.
Answer: Compound interest rates per semester

Compound interest rate per year = 2.75% x 2 = 5.50%

Example
How much money will you get if you invest IDR 12,000,000 for 15 years with an effective interest
rate of 5%?
S = P (1 + r) n
S = IDR 12,000,000 (1 + 5%) 15
= IDR 12,000,000 (1 + 0.05) 15
= IDR 24,947,140
Homework
1. Calculate the simple interest on the Rp. 650,000 loan that PT XYZ will take if this loan is given
to him at an interest rate of 21% and will mature in 3 months.
2. Calculate the exact time from 18 May 2011 to 5 July 2020 the following year?
3. Calculate the exact and ordinary interest on a 120-day loan of Rp. 14,500,000 which has an
interest rate of 19.75%. Which one provides the higher rate of return and how many are the
advantages?
4. What is the compound amount and the interest rate if IDR 6,000,000 for 8 years with an
effective interest rate of 6%?
 LATIHAN SOAL
5. IDR 200,000 was invested from 9 April to 3 December of the same year at a simple interest rate of 15% a
year. Calculate the interest earned based on the four methods, namely: (a). Ordinary and exact time
interest; (b). Exact interest and exact time; (c). Ordinary interest and time forecast; (d). Exact interest and
forecast time
6. What is the interest rate (r) that will make IDR 50,000 generate interest of IDR 1,000 in 3 months?
7. Cashing out / discounting money orders. The discount period is 17 July 2000 to 14 August 2000 at a discount
rate of 12%. The note maturity value amounted to Rp 204,667. Calculate the bank discount and proceeds?
8. Calculate simple interest from Rp. 100,000 planted over 2 years at an interest rate of 10%. Calculate
compound interest from IDR 100,000 planted for 2 years at a nominal rate of 10% which is compounded
every half year?
TERIMA KASIH