The text in the image presents the following financial problem:

• Risma has a loan of Rp. 40,000,000.
• The loan will be repaid with a monthly annuity of Rp. 900,000.
• The interest rate is 1.5% per month.

The problem is asking for the first interest payment.

To calculate the interest for the first month:

The interest on a loan is calculated based on the outstanding principal at the beginning of the month. For the first month, the interest is:

$\text{Interest for the first month} = \text{Loan amount} \times \text{Monthly interest rate}$

Substitute the values into the formula: $\text{Interest for the first month} = 40,000,000 \times 1.5\% = 40,000,000 \times 0.015$

Let's compute this.The interest for the first month is Rp. 600,000.

Would you like further clarification on the calculation or additional details? Here are some related questions for deeper understanding:

1. How would the interest change in subsequent months as the principal decreases?
2. What is the total interest paid over the lifetime of the loan?
3. How is the remaining principal calculated after each payment?
4. What happens if the interest rate changes mid-loan?
5. How long will it take to fully repay the loan with the given annuity?

Tip: The monthly interest is calculated based on the outstanding principal, which decreases as payments are made, so the interest decreases over time while the portion of the payment going towards the principal increases.