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besar pinjaman = 120.000
bunga 1 tahun = 15% x 120.000 = 18.000
maka :
bunga selama 4 bulan = 18.000/3 = Rp 6.000
kalau jmlh pinjaman selma 4 bln = 120.000 + 6.000 = Rp 126.000