1. Tanggal 1 April memperoleh pinjaman dari bank senilai Rp100.000.000 dengan bunga 12% per tahun.

bunga dibayar 6 bulan

2. Tanggal 1 April menarik pinjaman senilai Rp100.000.000 dengan bunga 12% per tahun dari saldo pinjaman, diangsur setiap
3. Tanggal 1 April menarik pinjaman senilai Rp100.000.000 dg angsuran dibayar setiap bulan selama 5 tahun. angsuran sebesa

1 Diketahui Pinjaman Bank 100,000,000 1,000,000 6,000,000 12,000,000

Suku Bunga 12% per tahun
Bunga dibayar setiap 6 bulan sekali
Lama Angsuran 5 tahun
5x12= 60 bulan

Cicilan Pokok Perbulan 1,666,667

Bunga per Bulan 1,000,000
Total Angsuran 2,666,667
hun. bunga dibayar 6 bulan sekali selama 5 tahun(jatuh tempo)
pinjaman, diangsur setiap bulan selama 5 tahun
5 tahun. angsuran sebesar Rp2.000.000/bulan

60,000,000
1 Bulan Angsuran Bunga Angsuran Pokok Total Angsuran Sisa Pinjaman
0 Rp - Rp - Rp 100,000,000
1 Rp 1,666,667 Rp 1,666,667 Rp 98,333,333
2 Rp 1,666,667 Rp 1,666,667 Rp 96,666,666
3 Rp 1,666,667 Rp 1,666,667 Rp 94,999,999
4 Rp 1,666,667 Rp 1,666,667 Rp 93,333,332
5 Rp 1,666,667 Rp 1,666,667 Rp 91,666,665
6 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 89,999,998
7 Rp 1,666,667 Rp 1,666,667 Rp 88,333,331
8 Rp 1,666,667 Rp 1,666,667 Rp 86,666,664
9 Rp 1,666,667 Rp 1,666,667 Rp 84,999,997
10 Rp 1,666,667 Rp 1,666,667 Rp 83,333,330
11 Rp 1,666,667 Rp 1,666,667 Rp 81,666,663
12 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 79,999,996
13 Rp 1,666,667 Rp 1,666,667 Rp 78,333,329
14 Rp 1,666,667 Rp 1,666,667 Rp 76,666,662
15 Rp 1,666,667 Rp 1,666,667 Rp 74,999,995
16 Rp 1,666,667 Rp 1,666,667 Rp 73,333,328
17 Rp 1,666,667 Rp 1,666,667 Rp 71,666,661
18 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 69,999,994
19 Rp 1,666,667 Rp 1,666,667 Rp 68,333,327
20 Rp 1,666,667 Rp 1,666,667 Rp 66,666,660
21 Rp 1,666,667 Rp 1,666,667 Rp 64,999,993
22 Rp 1,666,667 Rp 1,666,667 Rp 63,333,326
23 Rp 1,666,667 Rp 1,666,667 Rp 61,666,659
24 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 59,999,992
25 Rp 1,666,667 Rp 1,666,667 Rp 58,333,325
26 Rp 1,666,667 Rp 1,666,667 Rp 56,666,658
27 Rp 1,666,667 Rp 1,666,667 Rp 54,999,991
28 Rp 1,666,667 Rp 1,666,667 Rp 53,333,324
29 Rp 1,666,667 Rp 1,666,667 Rp 51,666,657
30 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 49,999,990
31 Rp 1,666,667 Rp 1,666,667 Rp 48,333,323
32 Rp 1,666,667 Rp 1,666,667 Rp 46,666,656
33 Rp 1,666,667 Rp 1,666,667 Rp 44,999,989
34 Rp 1,666,667 Rp 1,666,667 Rp 43,333,322
35 Rp 1,666,667 Rp 1,666,667 Rp 41,666,655
36 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 39,999,988
37 Rp 1,666,667 Rp 1,666,667 Rp 38,333,321
38 Rp 1,666,667 Rp 1,666,667 Rp 36,666,654
39 Rp 1,666,667 Rp 1,666,667 Rp 34,999,987
40 Rp 1,666,667 Rp 1,666,667 Rp 33,333,320
41 Rp 1,666,667 Rp 1,666,667 Rp 31,666,653
42 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 29,999,986
43 Rp 1,666,667 Rp 1,666,667 Rp 28,333,319
 44 Rp 1,666,667 Rp 1,666,667 Rp 26,666,652
45 Rp 1,666,667 Rp 1,666,667 Rp 24,999,985
46 Rp 1,666,667 Rp 1,666,667 Rp 23,333,318
47 Rp 1,666,667 Rp 1,666,667 Rp 21,666,651
48 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 19,999,984
49 Rp 1,666,667 Rp 1,666,667 Rp 18,333,317
50 Rp 1,666,667 Rp 1,666,667 Rp 16,666,650
51 Rp 1,666,667 Rp 1,666,667 Rp 14,999,983
52 Rp 1,666,667 Rp 1,666,667 Rp 13,333,316
53 Rp 1,666,667 Rp 1,666,667 Rp 11,666,649
54 Rp 6,000,000 Rp 1,666,667 Rp 7,666,667 Rp 9,999,982
55 Rp 1,666,667 Rp 1,666,667 Rp 8,333,315
56 Rp 1,666,667 Rp 1,666,667 Rp 6,666,648
57 Rp 1,666,667 Rp 1,666,667 Rp 4,999,981
58 Rp 1,666,667 Rp 1,666,667 Rp 3,333,314
59 Rp 1,666,667 Rp 1,666,667 Rp 1,666,647
60 Rp 6,000,000 Rp 1,666,647 Rp 7,666,647 Rp 0

total Rp 60,000,000 Rp 100,000,000 Rp 160,000,000

2 Bulan Angsuran Bunga Angsuran Pokok Total Angsuran Sisa Pinjaman
0 Rp - Rp - Rp 100,000,000
1 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 98,333,333
2 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 96,666,667
3 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 95,000,000
4 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 93,333,333
5 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 91,666,667
6 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 90,000,000
7 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 88,333,333
8 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 86,666,667
9 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 85,000,000
10 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 83,333,333
11 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 81,666,667
12 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 80,000,000
13 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 78,333,333
14 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 76,666,667
15 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 75,000,000
16 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 73,333,333
17 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 71,666,667
18 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 70,000,000
19 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 68,333,333
20 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 66,666,667
21 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 65,000,000
22 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 63,333,333
23 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 61,666,667
24 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 60,000,000
25 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 58,333,333
26 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 56,666,667
27 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 55,000,000
28 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 53,333,333
29 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 51,666,667
30 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 50,000,000
31 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 48,333,333
32 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 46,666,667
33 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 45,000,000
34 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 43,333,333
35 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 41,666,667
36 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 40,000,000
37 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 38,333,333
38 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 36,666,667
39 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 35,000,000
40 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 33,333,333
41 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 31,666,667
42 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 30,000,000
43 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 28,333,333
44 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 26,666,667
45 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 25,000,000
46 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 23,333,333
47 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 21,666,667
48 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 20,000,000
49 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 18,333,333
50 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 16,666,667
51 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 15,000,000
52 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 13,333,333
53 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 11,666,667
54 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 10,000,000
55 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 8,333,333
56 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 6,666,667
57 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 5,000,000
58 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 3,333,333
59 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 Rp 1,666,667
60 Rp 1,000,000 Rp 1,666,667 Rp 2,666,667 -Rp 0

Rp 60,000,000 Rp 100,000,000 Rp 160,000,000

3 Bulan Angsuran Bunga Angsuran Pokok Total Angsuran Sisa Pinjaman
0 Rp - Rp - Rp 100,000,000
1 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 99,000,000
2 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 98,000,000
3 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 97,000,000
4 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 96,000,000
5 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 95,000,000
6 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 94,000,000
7 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 93,000,000
8 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 92,000,000
9 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 91,000,000
10 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 90,000,000
11 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 89,000,000
12 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 88,000,000
13 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 87,000,000
14 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 86,000,000
15 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 85,000,000
16 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 84,000,000
17 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 83,000,000
18 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 82,000,000
19 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 81,000,000
20 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 80,000,000
21 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 79,000,000
22 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 78,000,000
23 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 77,000,000
24 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 76,000,000
25 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 75,000,000
26 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 74,000,000
27 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 73,000,000
28 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 72,000,000
29 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 71,000,000
30 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 70,000,000
31 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 69,000,000
32 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 68,000,000
33 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 67,000,000
34 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 66,000,000
35 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 65,000,000
36 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 64,000,000
37 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 63,000,000
38 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 62,000,000
39 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 61,000,000
40 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 60,000,000
41 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 59,000,000
42 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 58,000,000
43 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 57,000,000
 44 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 56,000,000
45 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 55,000,000
46 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 54,000,000
47 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 53,000,000
48 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 52,000,000
49 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 51,000,000
50 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 50,000,000
51 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 49,000,000
52 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 48,000,000
53 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 47,000,000
54 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 46,000,000
55 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 45,000,000
56 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 44,000,000
57 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 43,000,000
58 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 42,000,000
59 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 41,000,000
60 Rp 1,000,000 Rp 1,000,000 Rp 2,000,000 Rp 40,000,000

total Rp 60,000,000 Rp 60,000,000 Rp 120,000,000

jadi jika membayar angsuran selama 2 juta / bulan maka angsuran tersebut belum lunas yaitu masih terut
m lunas yaitu masih terutang Rp 40.000.000