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= 15.000
% bunga / bulan = (15.000 / 5000) x 100%
= 300% / bulan
% bunga / satu tahun = 300% x 12 bulan
= 3600%
kalau 1 bulan = 3/10=0,3%
maka dalam satu tahun persentase bunganya = 0,3% * 12 bulan = 3,6%