Chapter 4

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• Definition -- loans that are repaid in equal periodicinstallments• With an amortized loan the interest paymentdeclines as your outstanding principal declines;therefore, with each payment you will be paying anincreasing amount towards the principal of the loan.• Examples -- car loans or home mortgages
What are the annual payments torepay $6,000 at 15% interest?PV = PMT(PVIFA i%,n yr)$6,000 = PMT (PVIFA 15%, 4 yr)$6,000 = PMT (2.855)$2,101.58 = PMT
Page 1 and 2: MANAJEMEN KEUANGAN KONSUMENMemahami
Page 3: • Uang yang diterimasekarang nila
Page 6 and 7: • Berapa nilai masa depan uang ya
Page 8 and 9: PV = Rp 2.000.000i = 10% n = 5 tahu
Page 12 and 13: Lamanya periodeberlipat-ganda(compo
Page 14 and 15: PV = Rp 2.000.000i = 10% n = 1 tahu
Page 16 and 17: • Salma berkontribusi$2,000 per t
Page 18 and 19: • Persamaan awal: FV n = PV(1 + i
Page 20 and 21: • Definisi - nilai uang pada akhi
Page 22 and 23: • FV n = PMT (FVIFA i,n )• FV n
Page 24 and 25: Contoh Anuitas:• Jika kamu membel
Page 26 and 27: 1000 1000 10000 1 2 3
Page 28 and 29: Mathematical Solution:FV = PMT (FVI
Page 30 and 31: Assuming $2000 annualcontributions
Page 32 and 33: • This equation is used to determ
Page 34 and 35: 1000 1000 10000 1 2 3
Page 36 and 37: Mathematical Solution:PV = PMT (PVI
Page 38 and 39: Mathematical Solution:PV = PMT (PVI
Page 42 and 43: • Harga mobil = 180 juta• Dp 10
Page 44 and 45: • PV = Rp 10 juta• i = 20%• P
Page 46 and 47: • Annuity - a periodic series of

Chapter 4

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