How to Calculate Monthly Installments with Single Interest Fast - Challenge#279 | BBO Math

How to Calculate Monthly Installments with Single Interest Fast - Financial Arithmetic Challenge #279 | BBO Math

In this video, we share a quick and simple trick to calculate the exact monthly installment amount for a bank loan or cooperative credit using the single interest method (bunga tunggal). We focus on a reliable two-step arithmetic process: first determining the total accrued interest over the given months, and then summing it with the initial principal loan before dividing by the total tenor period. Whether you are a middle school student studying social arithmetic or a parent reviewing real-world money management problems, this step-by-step breakdown makes installment calculations incredibly easy to follow!

Below is the original problem set in Indonesian, solved with universal mathematical methods (tanpa rumus format matematika formal):

Naskah Soal & Pembahasan
TRIK CEPAT: ANGSURAN BULANAN! | Day 9, Soal #279
BBO Channel - Belajar Bareng Okta (One Month Challenge)

Soal: Menghitung Besar Angsuran yang Harus Dibayar Setiap Bulan
Pertanyaan: Seseorang meminjam uang di sebuah lembaga keuangan atau bank sebesar Rp 800.000,00 dengan suku bunga tunggal sebesar 15% per tahun. Jika pinjaman tersebut akan dilunasi dalam jangka waktu (tenor) selama 10 bulan, tentukan besar angsuran bulanan yang harus dibayarkan orang tersebut!

Langkah Penyelesaian Cepat:
Langkah 1: Hitung total nilai nominal bunga selama 10 bulan
Gunakan perbandingan waktu bulanan terhadap total bulan dalam satu tahun (12 bulan) lalu kalikan dengan persentase bunga dan nominal pinjaman awal:
Nilai Bunga = (10 / 12) x (15 / 100) x Rp 800.000,00
Sederhanakan perkalian dengan mencoret dua angka nol pada nominal 800.000 dan penyebut 100:
Nilai Bunga = (10 / 12) x 15 x Rp 8.000,00
Sederhanakan pecahan dan lakukan bagi kurung secara cepat:
Nilai Bunga = (150 / 12) x Rp 8.000,00
Nilai Bunga = 12,5 x Rp 8.000,00
Nilai Bunga = Rp 100.000,00
(Jadi, total beban bunga tunggal selama 10 bulan adalah Rp 100.000,00).

Langkah 2: Hitung total uang keseluruhan yang wajib dikembalikan
Total Pengembalian = Uang pinjaman awal + Total beban bunga
Total Pengembalian = Rp 800.000,00 + Rp 100.000,00
Total Pengembalian = Rp 900.000,00

Langkah 3: Tentukan nominal angsuran setiap bulannya
Bagi total pengembalian keseluruhan dengan jangka waktu tenor pinjaman (10 bulan):
Angsuran Bulanan = Total Pengembalian / Tenor Bulan
Angsuran Bulanan = Rp 900.000,00 / 10

Cara cepat: Coret satu angka nol di bagian paling belakang:
Angsuran Bulanan = Rp 90.000,00

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