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tabungan 9 bln = 3.815.000
bunga per thn = 12%
maka :
> bunga 9 bln = 12%/12 x 9 = 9%
> Tabngn awal = 100/100+9 x 3.815.000
= 100/109 x 3.815.000
= Rp 3.500.000