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The image shows a problem involving a loan repayment plan using an annuity system. The details provided are:

- Loan amount: Rp 1,000,000.00
- Loan duration: 5 years
- Annual interest rate: 6%
  
You are asked to create a repayment schedule (rencana pelunasan) with columns for:

1. Year (Tahun)
2. Starting Loan Balance (Pinjaman Permulaan)
3. Interest (Bunga)
4. Annuity Payment (Angsuran)
5. Remaining Loan Balance (Sisa Pinjaman)

### Step-by-Step Solution

The annuity system for loan repayment involves a fixed payment every year, which includes both interest and principal. The formula for the annual annuity payment (A) is:

\[
A = P \times \frac{i(1+i)^n}{(1+i)^n - 1}
\]

Where:
- \( P \) = loan principal = 1,000,000
- \( i \) = annual interest rate = 6% = 0.06
- \( n \) = number of periods (years) = 5

Let me calculate the annuity payment and create a repayment plan for you.The annual annuity payment (Angsuran) is approximately Rp 237,396.40.

Now, let's create the repayment schedule, where for each year, the interest is calculated on the remaining loan balance, and the remaining balance is reduced by the principal portion of the annuity payment. The total payment remains fixed at Rp 237,396.40 each year. I will calculate this for each of the 5 years.Here is the repayment plan for the loan of Rp 1,000,000.00 over 5 years with an annual interest rate of 6%:

| Year | Starting Balance (Rp) | Interest (Rp) | Principal Payment (Rp) | Remaining Balance (Rp) |
|------|-----------------------|---------------|------------------------|------------------------|
| 1    | 1,000,000.00           | 60,000.00     | 177,396.40              | 822,603.60              |
| 2    | 822,603.60             | 49,356.22     | 188,040.18              | 634,563.42              |
| 3    | 634,563.42             | 38,073.80     | 199,322.60              | 435,240.82              |
| 4    | 435,240.82             | 26,114.45     | 211,281.95              | 223,958.87              |
| 5    | 223,958.87             | 13,437.53     | 223,958.87              | 0.00                    |

The total annuity payment each year is Rp 237,396.40, which includes both interest and principal repayment.

Would you like more details or clarification?

### Here are 5 related questions:
1. What happens if the interest rate increases to 8%? How does it affect the annuity payment?
2. How is the annuity formula derived?
3. Can the annuity payment be structured differently (e.g., increasing or decreasing)?
4. What would the schedule look like if the loan duration is 10 years?
5. How do taxes impact loan repayment schedules in a real-world context?

### Tip:
Understanding how annuity payments are split between interest and principal helps in planning for large purchases like homes or cars.

Pinjaman Rp1.000.000,00 akan dilunasi dengan sistem anuitas selama 5 tahun dengan bunga 6% per tahun. Buatlah rencana pelunasannya.

Learn how to create an annuity loan repayment plan for a Rp1,000,000 loan over 5 years with a 6% annual interest rate. The detailed solution includes calculating the fixed annuity payment, interest on the remaining balance, and principal repayment for each year. Suitable for high school students in Grades 10-12.

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