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13/100 x 600000 = 78000
78000/12 = 6500
32500 / 6500 = 5 bulan
bunga per bulan = Rp.78.000 ÷ 12 = Rp.6.500
waktu = Rp.32.500 ÷ Rp.6.500 = 5 bulan