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12% = 12/100 ×12.000.000
=12×12.000.000/100
=144.000.000/100
=1.440.000
Jika 3th ,maka 1.440.000:3
480.000 jika 1th jd setip semester =480.000:2
=240.000 =2.400%
Ini setiap buln 480.000:12 =40.000 =400%