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Rp36.000 : Rp1.236.000 = 0.03 / 3%
9% = 12 bulan
3% = 12 bulan : 3
3% = 4 bulan
Bunga 1 bln = 9/12 = 0,75%
bunga 1 bln = 0,75/100 x 1.200.000 = 9.000
Lama = 36.000/9.000
= 4 bln