TABEL PEMAJEMUKAN

i=

20%

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

P/F
0.833
0.694
0.579
0.482
0.402
0.335
0.279
0.233
0.194
0.162
0.135
0.112
0.093
0.078
0.065
0.054
0.045
0.038
0.031
0.026
0.022
0.018
0.015
0.013
0.010
0.009
0.007
0.006
0.005
0.004
0.004
0.003
0.002
0.002
0.002
0.001
0.001
0.001
0.001
0.001
0.001
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000

F/P
1.200
1.440
1.728
2.074
2.488
2.986
3.583
4.300
5.160
6.192
7.430
8.916
10.699
12.839
15.407
18.488
22.186
26.623
31.948
38.338
46.005
55.206
66.247
79.497
95.396
114.475
137.371
164.845
197.814
237.376
284.852
341.822
410.186
492.224
590.668
708.802
850.562
1020.675
1224.810
1469.772
1763.726
2116.471
2539.765
3047.718
3657.262
4388.714
5266.457
6319.749
7583.698
9100.438

P/A
0.833
1.528
2.106
2.589
2.991
3.326
3.605
3.837
4.031
4.192
4.327
4.439
4.533
4.611
4.675
4.730
4.775
4.812
4.843
4.870
4.891
4.909
4.925
4.937
4.948
4.956
4.964
4.970
4.975
4.979
4.982
4.985
4.988
4.990
4.992
4.993
4.994
4.995
4.996
4.997
4.997
4.998
4.998
4.998
4.999
4.999
4.999
4.999
4.999
4.999

A/P
1.200
0.655
0.475
0.386
0.334
0.301
0.277
0.261
0.248
0.239
0.231
0.225
0.221
0.217
0.214
0.211
0.209
0.208
0.206
0.205
0.204
0.204
0.203
0.203
0.202
0.202
0.201
0.201
0.201
0.201
0.201
0.201
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200
0.200

F/A
1.000
2.200
3.640
5.368
7.442
9.930
12.916
16.499
20.799
25.959
32.150
39.581
48.497
59.196
72.035
87.442
105.931
128.117
154.740
186.688
225.026
271.031
326.237
392.484
471.981
567.377
681.853
819.223
984.068
1181.882
1419.258
1704.109
2045.931
2456.118
2948.341
3539.009
4247.811
5098.373
6119.048
7343.858
8813.629
10577.355
12693.826
15233.592
18281.310
21938.572
26327.286
31593.744
37913.492
45497.191

A/F
1.000
0.455
0.275
0.186
0.134
0.101
0.077
0.061
0.048
0.039
0.031
0.025
0.021
0.017
0.014
0.011
0.009
0.008
0.006
0.005
0.004
0.004
0.003
0.003
0.002
0.002
0.001
0.001
0.001
0.001
0.001
0.001
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000

P/G A/G
0.000
0.694
1.852
3.299
4.906
6.581
8.255
9.883
11.434
12.887
14.233
15.467
16.588
17.601
18.509
19.321
20.042
20.680
21.244
21.739
22.174
22.555
22.887
23.176
23.428
23.646
23.835
23.999
24.141
24.263
24.368
24.459
24.537
24.604
24.661
24.711
24.753
24.789
24.820
24.847
24.870
24.889
24.906
24.920
24.932
24.942
24.951
24.958
24.964
24.970

0.000
0.455
0.879
1.274
1.641
1.979
2.290
2.576
2.836
3.074
3.289
3.484
3.660
3.817
3.959
4.085
4.198
4.298
4.386
4.464
4.533
4.594
4.647
4.694
4.735
4.771
4.802
4.829
4.853
4.873
4.891
4.906
4.919
4.931
4.941
4.949
4.956
4.963
4.968
4.973
4.977
4.980
4.983
4.986
4.988
4.990
4.991
4.992
4.994
4.995

F/G
0.000
1.000
3.200
6.840
12.208
19.650
29.580
42.495
58.995
79.793
105.752
137.903
177.483
225.980
285.176
357.211
444.653
550.583
678.700
833.440
1020.128
1245.154
1516.184
1842.421
2234.905
2706.886
3274.264
3956.117
4775.340
5759.408
6941.289
8360.547
10064.657
12110.588
14566.706
17515.047
21054.056
25301.867
30400.241
36519.289
43863.147
52676.776
63254.132
75947.958
91181.550
109462.860
131401.432
157728.718
189322.46
227235.95

DENGAN PENGGUNAAN FORMULAS EXCEL

1. Rue adalah pemegang polis asuransi beasiswa. Tiap bulan biaya nya sebesar $83 selama
7tahun. berapakah uang yang diterima Rue jika bunganya sebesar 25% pertahun
solusi:
A=
$
83
i=
25%
n=
7
F=

$1,251

2. Jika saya membuka rekening baru disalah satu Bank swasta dengan setoran awal Rp 7.500.000
dengan suku bunga bank 0.5 % perbulan. Berapakah saldo saya pada bulan ke 13?
solusi:
P=
Rp
7,500,000
i=
0.50%
n=
13
F=

Rp

8,002,397

3. katnis menginginkan uang 5 tahun mendatang sebesar $7500 guna membiayai sekolah
anaknya kelak.berapakah uang yang harus disetorkan katnis itu sekarang ke bank, jika rate
of interest sebesar 27% pertahun?
solusi :
F=
$
7,500
i=
27%
n=
5
P=

$2,270.09

4. seorang pegawai swasta ingin menyisihkan uang pendapatannya selama 3 tahun untuk
persiapan pernikahan. berapakah uang yang dikeluarkan tahun ini jika tahun depan hanya
mengeluarkan $100 dengan suku bunga 7% pertahun.
solusi :
A=
$
100
i=
7%
n=
3
P=
100
P=

$362.43

5. pada bulan maret 2015 suatu proyek fisik bangunan sudah dimulai berjalan. Seorang
konsultan memperkirakan kebutuhan operasional untuk bulan maret 2015 sebesar $ 850.
berapa uang yang ia tabung dimulai bulan uni 2014 hingga maret 2015 dengan suku bungan
21% perbulan
solusi :
F=
$
850
i=
21%
n=
10
A=

$31.165

6. Mr. Gru memiliki uang $ 300 untuk kebutuhan anaknya. berapakah uang yang ia setorkan
kepada anaknya selama 3 tahunapabila suku bunga bank 11.3% pertahun.
solusi :
P=
$
300
i=
11.30%
n=
3
A=

$123.40

TABEL GEOMETRIC GRADIENT

i/n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

1%

2%

3%

4%

5%

0.9901
0.9804
0.9709
0.9615
0.9524
1.9802
2.9027
2.8561
2.8107
2.7664
2.9703
6.6720
6.5166
6.3666
6.2218
3.9604
14.0628
13.6245
13.2051
12.8034
4.9505
28.5545
27.4263
26.3559
25.3398
5.9406
56.9696
54.2258
51.6460
49.2187
6.9307
112.6854
106.2636
100.2807
94.7023
7.9208
221.9322
207.3080
193.8091
181.3378
8.9109
436.1415
403.5107
373.6713
346.3576
9.9010
856.1599
784.4868
719.5601
660.6812
10.8911
1679.7252
1524.2462
1384.7310
1259.3928
11.8812
3294.5592
2960.6722
2663.9057
2399.7959
12.8713
6460.9005
5749.8488
5123.8572
4571.9921
13.8614
12669.4127
11165.7259
9854.5331
8709.5088
14.8515
24842.9660
21681.9921
18951.9867
16590.4929
15.8416
48712.6784
42101.9263
36447.0898
31601.8913
16.8317
95516.0361
81752.2841
70091.5188
60195.0310
17.8218
187287.3257
158743.2701
134792.3439
114658.1543
18.8119
367231.0308
308240.3303
259217.0075
218397.4367
19.8020
720061.8251
598525.8841
498495.2068
415996.0699
20.7921 1411886.9119 1162187.1537
958645.5899
792374.4188
21.7822 2768406.6901 2256675.0557 1843550.1730 1509285.5597
22.7723 5428249.3923 4381894.2829 3545289.7557 2874830.5899
23.7624 10643627.2398 8508533.5590 6817865.8764 5475868.7426
24.7525 20869858.3133 16521425.3573 13111281.4930 10430227.1288

6%
0.9434
2.7234
6.0819
12.4186
24.3747
46.9335
89.4971
169.8059
321.3319
607.2301
1146.6605
2164.4537
4084.8184
7708.1479
14544.6186
27443.6201
51781.3586
97701.6200
184343.6226
347819.0993
656263.3948
1238233.7638
2336291.0638
4408097.2902
8317165.6418

7%
0.9346
2.6815
5.9466
12.0498
23.4576
44.7805
84.6365
159.1337
298.3807
558.6556
1045.1506
1954.4871
3654.1815
6831.1803
12769.4959
23869.1512
44616.1704
83395.6457
155880.6461
291366.6283
544611.4547
1017966.2705
1902741.6271
3556527.3404
6647715.5895

8%
0.9259
2.6406
5.8159
11.6962
22.5855
42.7509
80.0943
149.2487
277.3125
514.4675
953.6436
1766.9326
3273.0233
6062.0801
11227.0002
20791.6670
38504.0130
71304.6538
132046.5811
244531.6317
452837.2809
838588.4831
1552942.5612
2875820.4837
5325594.4143

9%
0.9174
2.6008
5.6895
11.3569
21.7558
40.8364
75.8466
140.0855
257.9550
474.2293
871.0629
1599.1981
2935.2258
5386.6528
9884.6841
18137.9525
33281.5642
61068.0077
112052.3077
205601.4821
377251.3432
692205.2170
1270102.2330
2330463.7302
4276081.1564

10%
0.9091
2.5620
5.5672
11.0314
20.9661
39.0293
71.8714
131.5843
240.1533
437.5515
796.4572
1449.0131
2635.4784
4792.6881
8714.8874
15846.1589
28812.1072
52386.5585
95249.1972
173181.2677
314875.9412
572502.6204
1040914.7643
1892573.2079
3441043.1052

11%
0.9009
2.5241
5.4489
10.7188
20.2140
37.3225
68.1486
123.6912
223.7680
404.0864
728.9845
1314.3865
2369.1649
4269.6665
7693.9937
13863.9527
24980.9958
45011.7042
81103.0707
146132.5597
263302.8103
474420.3790
854812.3945
1540203.4136
2775142.1866

12%
0.8929
2.4872
5.3344
10.4185
19.4973
35.7095
64.6599
116.3569
208.6731
373.5234
667.8989
1193.5695
2132.2670
3808.5125
6801.8081
12146.9787
21691.9262
38736.4754
69173.1703
123524.4112
220580.1986
393894.1046
703383.2225
1256042.3616
2242933.6815

13%
0.8850
2.4512
5.2234
10.1300
18.8142
34.1844
61.3882
109.5367
194.7552
345.5844
612.5388
1085.0245
1921.2823
3401.3846
6021.0347
10657.5835
18863.8647
33388.2561
59095.1435
104594.0593
185123.1138
327652.4139
579916.6617
1026402.0561
1816641.6923

14%
0.8772
2.4161
5.1160
9.8527
18.1626
32.7413
58.3181
103.1897
181.9117
320.0205
562.3167
987.3978
1733.1540
3041.4982
5336.8390
9363.7526
16428.5133
28822.8304
50567.2463
88715.3444
155641.8324
273056.7234
479047.7604
840435.5446
1474449.2010

15%
0.8696
2.3819
5.0119
9.5859
17.5408
31.3753
55.4352
97.2787
170.0498
296.6084
516.7103
899.4961
1565.2106
2722.9750
4736.4782
8238.2230
14328.2139
24919.5025
43339.1347
75373.2778
131084.8309
227974.4885
396478.2408
689528.2449
1199180.4260

16%
0.8621
2.3484
4.9110
9.3294
16.9472
30.0813
52.7264
91.7697
159.0856
275.1476
475.2545
820.2664
1415.1146
2440.7147
4208.9909
7257.7430
12514.2121
21577.0898
37202.7410
64143.5190
110593.1363
190678.6832
328757.2124
566823.6421
977283.0036

17%
0.8547
2.3157
4.8132
9.0824
16.3802
28.8550
50.1795
86.6317
148.9430
255.4582
437.5353
748.7783
1280.8177
2190.2866
3744.9344
6402.4520
10945.2171
18710.6275
31984.8334
54675.7836
93463.7327
159767.9191
273108.4087
466852.8355
798039.8897

18%
0.8475
2.2838
4.7183
8.8447
15.8384
27.6922
47.7834
81.8363
139.5531
237.3781
403.1832
684.2088
1160.5233
1967.8361
3336.1629
5655.3608
9586.2048
16248.6523
27540.9360
46680.4000
79120.1695
134102.8297
227293.7792
385244.5410
652957.6967

19%
0.8403
2.2527
4.6263
8.6157
15.3205
26.5890
45.5278
77.3576
130.8531
220.7615
371.8681
625.8287
1052.6534
1770.0056
2975.6397
5001.9155
8407.4210
14130.9597
23750.3524
39917.3990
67088.9058
112755.3039
189505.5528
318497.5678
535290.8703

20%
0.8333
2.2222
4.5370
8.3951
14.8251
25.5418
43.4031
73.1718
122.7863
205.4771
343.2952
572.9921
955.8201
1593.8669
2657.2781
4429.6302
7383.5503
12306.7505
20512.0842
34187.6403
56980.2339
94967.8899
158280.6498
263801.9163
439670.6938