2. Pak Darmaji meminjam uang di bank sebesar Rp40.000.000,00. Pinjaman tersebut akan dilunasi dengan

Summary

In this tutorial, the speaker discusses a loan repayment problem involving an annuity system. The scenario includes a loan of 10 million Rupiah with a 1.5% monthly interest rate, to be paid off over 5 years. The speaker walks through calculating the monthly annuity (loan repayment), interest for the first and 15th payments, and the corresponding first and 15th installments. The process involves using financial formulas for annuities, interest, and installments, demonstrating each step clearly. By the end, the viewer gains insights into handling similar loan and interest calculations.

Takeaways

• 😀 The loan amount is Rp 10,000,000, which will be paid off through an annuity over 5 years.
• 😀 The monthly interest rate is 1.5%, which is equivalent to 0.015 in decimal form.
• 😀 The formula for calculating the annuity is: A = P * i / (1 - (1 + i)^-t), where P is the loan amount, i is the interest rate, and t is the number of months.
• 😀 The annuity (A) for this loan comes out to be approximately Rp 1,015,737.10.
• 😀 The first interest (B1) is calculated by multiplying the loan amount by the monthly interest rate, which results in Rp 600,000.
• 😀 The first installment is found by subtracting the first interest from the annuity, resulting in Rp 415,737.10.
• 😀 The formula to calculate the 15th installment (A15) is: A15 = A1 * (1 + i)^(t-1), where A1 is the first installment and t is the 15th period.
• 😀 The 15th installment (A15) is calculated to be approximately Rp 512,786.56.
• 😀 The interest for the 15th installment (B15) is calculated by subtracting the 15th installment from the annuity, resulting in Rp 503,000.65.
• 😀 The script thoroughly explains the process of calculating loan installments and interest over time, with detailed steps for each calculation.

Q & A

What is the loan amount in the example?

The loan amount in the example is 400 million (Rp 400 juta).

What is the interest rate applied to the loan?

The interest rate applied to the loan is 1.5% per month.

What is the duration of the loan repayment?

The loan is to be repaid over a period of 5 years (60 months).

How is the interest rate expressed for calculation purposes?

The interest rate is expressed as a decimal: 1.5% is converted to 0.015 for calculation purposes.

What formula is used to calculate the annuity (A)?

The formula used to calculate the annuity is: A = P * i / (1 - (1 + i)^(-t)), where P is the loan amount, i is the interest rate, and t is the number of periods.

How is the monthly annuity (A) calculated in this example?

In this example, the monthly annuity (A) is calculated as 1,015,737.10 after applying the formula and the given values for the loan amount, interest rate, and loan duration.

How is the first month's interest calculated?

The first month's interest (B1) is calculated by multiplying the loan amount (Rp 400,000,000) by the interest rate (0.015), resulting in Rp 600,000.

How do you calculate the first month's installment?

The first month's installment is calculated by subtracting the first month's interest from the annuity: 1,015,737.10 - 600,000 = 415,737.10.

What is the formula for calculating the 15th month's installment?

The 15th month's installment is calculated by using the formula: A15 = A1 * (1 + i)^(t-1), where A1 is the first installment, i is the interest rate, and t is the number of months.

What is the 15th month's interest (B15)?

The 15th month's interest (B15) is calculated by subtracting the 15th month's installment from the annuity: 1,015,737.10 - 512,866.56 = 503,000.65.