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suku bunga = 12%/thn
tabungan 18 bln = 708.000
maka :
besar suku bunga 18 bln = 12%/12 x 18 = 18%
tabungan mula2 = 100/100+18 x 708.000
= 100/118 x 708.000
= Rp 600.000
bunga 18 bulan = 18%
Tab. awal = Tab. akhir : ( 100% + presentase bunga )
= Rp 708.000 : ( 100% + 18% )
= Rp 708.000 : 118%
= Rp 600.000