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The problem involves calculating the total amount to be repaid for a bank loan. Here’s the information extracted from the image:

**Problem Statement**:
Hasbi takes out a bank loan of \(50,000,000\) IDR with an interest rate of \(12\%\) per year. The loan duration is \(12\) years. We need to determine the total amount Hasbi must pay back to the bank at the end of \(12\) years.

**Solution**:
1. The loan follows a simple interest formula:
   
   \[
   \text{Simple Interest} = P \times r \times t
   \]

   where:
   - \(P\) = Principal (initial loan) = \(50,000,000\) IDR
   - \(r\) = Annual interest rate = \(12\%\) = 0.12
   - \(t\) = Time period in years = 12 years

2. Calculate the total interest:
   
   \[
   \text{Interest} = 50,000,000 \times 0.12 \times 12
   \]

   \[
   \text{Interest} = 50,000,000 \times 1.44
   \]

   \[
   \text{Interest} = 72,000,000 \text{ IDR}
   \]

3. The total amount to be repaid is the sum of the principal and the interest:

   \[
   \text{Total Payment} = P + \text{Interest} = 50,000,000 + 72,000,000
   \]

   \[
   \text{Total Payment} = 122,000,000 \text{ IDR}
   \]

**Answer**:
Hasbi must pay back **122,000,000 IDR** at the end of 12 years.

Would you like more details or have any additional questions? 

Here are 5 related questions for further exploration:
1. How would the total payment change if the interest was compounded annually instead of using simple interest?
2. What would be the monthly payment if Hasbi decided to repay the loan in monthly installments over 12 years?
3. How would the total interest change if the loan duration was shorter, for example, 6 years?
4. What if the interest rate was variable and changed to 10% after the 6th year—how would that impact the total payment?
5. How can one calculate the equivalent annual percentage rate (APR) for such loans?

**Tip**: Always differentiate between simple interest and compound interest. Compound interest tends to increase the total payment due because it considers interest on previously accrued interest.

Hasbi mengambil pinjaman uang ke bank sebesar 50.000.000 dengan suku bunga 12% per tahun. Berapakah jumlah yang harus dibayar jika ia meminjam selama 12 tahun?

Learn how to calculate the total repayment amount for a bank loan of 50,000,000 IDR with a 12% annual interest rate over 12 years. This solution demonstrates the use of the simple interest formula to determine the interest and total amount owed.

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