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= 640.000 - 600.000
= 40.000
prosentase bunga pertahun = bunga pertahun/tab awal x 100%
= (40.000 x 3)/600.000 x 100%
= 120.000/600.000 x 100%
= 12/60 x 100%
= 1/5 x 100%
= 20%