Section 8-2

nomor 1
P=
8,000
i=
9%
n=
6
Compounded anually
Pn = Po (1 + i )n
P6 =
P6 =
P6 =

8.000 x ( 1+ 0,09)6
8.000 x ( 1,67710)
13,416.80

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-4)

$
$

13,416.80
5,416.80

nomor 2
P=
20,000
i=
8%
n=
10
Compounded anually
Pn = Po (1 + i )n
P10 =
P10 =
P10 =

20.000 x ( 1+ 0,08)10
20.000 x (2,15892)
43,178.40

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-3)

$
$

43,178.40
23,178.40

nomor 3
P=
25,000
i=
8%
n=
15
Compounded anually
Pn = Po (1 + i )n
P15 =
P15 =
P15 =

25.000 x ( 1+ 0,08)15
25.000 x (3,17217)
79,304.25

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-3)

$
$

79,304.25
54,304.25

nomor 4
P=
50,000
i=
10%
n=
5
Compounded anually
Pn = Po (1 + i )n
P5 =
P5 =
P5 =

50.000 x ( 1+ 0,1)5
50.000 x (1,61051)
80,525.50

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-4)

$
$

80,525.50
30,525.50

nomor 5
P=
500,000
i=
10%
n=
10
m=
4
Compounded quarterly
Pnm = Po (1 + i /m)nm
Pnm =

500.000 x ( 1+ 0,1/4)10*4

P40 =
P40 =
P40 =

500.000 x ( 1+ 0,025)40
500.000 x (2,68506)
1,342,530.00

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-2)

$
$

1,342,530.00
842,530.00

nomor 6
P=
4,000,000
i=
8%
n=
10
m=
2
Compounded semiannually
Pnm = Po (1 + i /m)nm
P20 =

4.000.000 x ( 1+ 0,08/2)10*2

P20 =
P20 =
P20 =

4.000.000 x ( 1+ 0,04)20
4.000.000 x (2,19112)
8,764,480.00

Table 1 Compound Amount Factor (T-3)

Compound amount equal

Interest

$
$

8,764,480.00
4,764,480.00

nomor 7
P=
25,000
i=
12%
n=
5
m=
4
Compounded quarterly
Pnm = Po (1 + i /m)nm
P20 =

25.000 x ( 1+ 0,12/4)5*4

P20 =
P20 =
P20 =

25.000 x ( 1+ 0,03)20
25.000 x (1,80611)
45,152.75

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-2)

$
$

45,152.75
20,152.75

nomor 8
P=
500,000
i=
9%
n=
10
m=
2
Compounded semiannually
Pnm = Po (1 + i /m)nm
P20 =

500.000 x ( 1+ 0,09/2)10*2

P20 =
P20 =
P20 =

500.000 x ( 1+ 0,045)20
500.000 x (2,41171)
1,205,855.00

Compound amount equal

Interest

nomor 9
P=
1
i=
12%
n=
8
m=
2
Compounded semiannually

Table 1 Compound Amount Factor (T-3)

$
$

1,205,855.00
705,855.00

Pnm = Po (1 + i /m)nm
P32 =

1 x ( 1+ 0,12/2)8*2

P32 =
P32 =
P32 =

1 x ( 1+ 0,06)16
1 x (2,54035)
2.54

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-3)

$
$

2.54
1.54

P=
1
i=
12%
n=
8
m=
4
Compounded quarterly
Pnm = Po (1 + i /m)nm
P32 =

1 x ( 1+ 0,12/4)8*4

P32 =
P32 =
P32 =

1 x ( 1+ 0,03)16
1 x (1,60471)
1.60

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-2)

$
$

1.60
0.60

P=
1
i=
12%
n=
8
m=
6
Compounded bimonthly
Pnm = Po (1 + i /m)nm
P48 =

1 x ( 1+ 0,12/6)8*6

P48 =
P48 =
P48 =

1 x ( 1+ 0,02)48
1 x (2,58707)
2.59

Compound amount equal

Interest

nomor 10

Table 1 Compound Amount Factor (T-2)

$
$

2.59
1.59

P=
1,000,000
i=
12%
n=
8
m=
2
Compounded semiannually
Pnm = Po (1 + i /m)nm
P16 =

1.000.000 x ( 1+ 0,12/2)8*2

P16 =
P16 =
P16 =

1.000.000 x ( 1+ 0,06)16
1.000.000 x (2,54035)
2,540,350.00

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-3)

$
$

2,540,350.00
1,540,350.00

P=
1,000,000
i=
12%
n=
8
m=
4
Compounded quarterly
Pnm = Po (1 + i /m)nm
P32 =

1.000.000 x ( 1+ 0,12/4)8*4

P32 =
P32 =
P32 =

1.000.000 x ( 1+ 0,03)16
1.000.000 x (1,60471)
1,604,710.00

Compound amount equal

Interest

Table 1 Compound Amount Factor (T-2)

$
$

1,604,710.00
604,710.00

P=
1,000,000
i=
12%
n=
8
m=
6
Compounded bimonthly
Pnm = Po (1 + i /m)nm
P48 =

1.000.000 x ( 1+ 0,12/6)8*6

P48 =
P48 =
P48 =

1.000.000 x ( 1+ 0,02)48
1.000.000 x (2,58707)
2,587,070.00

Table 1 Compound Amount Factor (T-2)

Compound amount equal

Interest

$
$

2,587,070.00
1,587,070.00

Section 8-3
nomor 1
R=
i=
n=
Compounded anually

5,000
8%
10

Sn = R ( ( 1 + i)n - 1) / i
S10 =
S10 =
S10 =

5.000 x ((1+ 0,08)10 - 1) / 0,08

5.000 x (14,48656)
72,432.80

Table 3 Series Compound

Compound amount equal

Interest (10 years, 5.000)

nomor 2
R=
i=
n=
Compounded anually

$
50,000 $

72,432.80
22,432.80

500,000
10%
10

Sn = R ( ( 1 + i)n - 1) / i
S10 =
S10 =
S10 =

500.000 x ((1+ 0,1)10 - 1) / 0,1

500.000 x (15,93742)
7,986,710.00

Compound amount equal

Interest (10 years, 500.000)

nomor 3
R=
i=
n=
m=
Compounded semiannually

Table 3 Series Compound

$
5,000,000 $

7,986,710.00
2,986,710.00

750
8%
18
2

Snm = R ( ( 1 + i/m)nm - 1) / (i/m)

S36=
S36=
S36=

750 x ((1+ 0,08/2)18*2 - 1) / (0,08/2)

750 x (77,59831)
58,198.73

Table 3 Series Compound

Compound amount equal

Interest (18years, 2, 750)

nomor 4
R=
i=
n=
m=
Compounded quarterly

$
27,000 $

58,198.73
31,198.73

500,000
12%
5
4

Snm = R ( ( 1 + i/m)nm - 1) / (i/m)

S20=
S20=
S20=

500.000 x ((1+ 0,12/2)5*4 - 1) / (0,12/4)

500.000 x (36,78559)
18,392,795.00

Compound amount equal

Interest (5years, 4, 500.000)

nomor 5
R=
i=
n=

$
10,000,000 $

Table 3 Series Compound

18,392,795.00
8,392,795.00

10,000
10%
6

Compounded annually
Sn = R ( ( 1 + i)n - 1) / i
S6 =
S6 =
S6 =

10.000 x ((1+ 0,01)6 - 1) / 0,1

10.000 x (7,71561)
77,156.10

Compound amount equal

Interest (6 years, 10.000)

nomor 7
S=
i=
n=
Compounded annually

Table 3 Series Compound

$
60,000 $

10,000
15%
5

77,156.10
17,156.10

R = Sn (i / ( 1 + i)n -1))
R=
R=
R=

10.000 (0,15 / (1 + 0,15)5 - 1))

10.000 (0,14832)
1,483.20

Deposit in 5 years (1.483,20*5)

Interest

nomor 8
S=
i=
n=

Table 4 Sinking Fund Fac

7,416.00
2,584.00

250,000
10%
10

Compounded annually
R = Sn (i / ( 1 + i)n -1))
R=
R=
R=

250.000 (0,1 / (1 + 0,1)10 - 1))

250.000 (0,06275)
15,687.50

Deposit in 10 years (15.867,50*10)

Interest

nomor 9
S=
i=
n=
m=
Compounded quarterly

Table 4 Sinking Fund Fac

156,875.00
93,125.00

1,500,000
8%
10
4

R = Sn (i / ( 1 + i/m)nm - 1))
R=
R=
R=

1.500.000 (0,1 / (1 + 0,08/4)10*4 - 1))

1.500.000 (0,01052)
15,780.00

Deposit in 10 years (15.780*40)

Interest

nomor 10
S=
i=

600,000
10%

631,200.00
868,800.00

Table 4 Sinking Fund Fac

n=
m=
Compounded quarterly

8
4

R = Sn (i / ( 1 + i/m)nm - 1))
R=
R=
R=

600.000 (0,1 / (1 + 0,1/4)8*4 - 1))

600.000 (0,02077)
12,462.00

Deposit in 8 years (15.780*32)

Interest

Table 4 Sinking Fund Fac

504,960.00
95,040.00

able 3 Series Compound Amount Factor (T-11)

able 3 Series Compound Amount Factor (T-11)

able 3 Series Compound Amount Factor (T-11)

able 3 Series Compound Amount Factor (T-11)

able 3 Series Compound Amount Factor (T-12)

able 4 Sinking Fund Factor (T-17)

able 4 Sinking Fund Factor (T-16)

able 4 Sinking Fund Factor (T-14)

able 4 Sinking Fund Factor (T-14)

Section 8-4
nomor 1
R=
i=
n=
Compounded anually

25,000
9%
10

A = R ( ( 1 + i)n - 1) / (i (1 + i)n)
A=
A=
A=

25.000 x ((1+ 0,09)10 - 1) / (0,09 (1+0,09)10)

25.000 x (6,41766)
160,441.50

nomor 2
R=
i=
n=
Compounded anually

Table 5 Series Present-W

8,000
7%
20

A = R ( ( 1 + i)n - 1) / (i (1 + i)n)
A=
A=
A=

8.000 x ((1+ 0,07)20 - 1) / (0,07 (1+0,07)20)

8.000 x (10,59401)
84,752.08

nomor 3
R=
i=
nm =
Compounded semiannual

Table 5 Series Present-W

10,000
10%
25

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

10.000 x ((1+ 0,1/2)25- 1) / (0,1/2 (1+0,1/2)25)

10.000 x (14,09394)
140,939.40

nomor 4
R=
i=
nm =
Compounded semiannual

5,000
9%
15

Table 5 Series Present-W

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

5.000 x ((1+ 0,09/2)15 - 1) / (0,09/2 (1+0,09/2)15)

5.000 x (10,73955)
53,697.75

nomor 5
R=
i=
nm =
Compounded quarterly

Table 5 Series Present-W

500
10%
30

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

500 x ((1+ 0,1/4)30 - 1) / (0,1/4 (1+0,1/4)30)

500 x (20,93029)
10,465.15

nomor 6
R=
i=
nm=
Compounded quarterly

Table 5 Series Present-W

2,500
12%
20

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

2500 x ((1+ 0,12/4)20 - 1) / (0,12/4 (1+0,12/4)20)

2500 x (14,87747)
37,193.68

nomor 7
R=
i=
nm=
Compounded monthly

Table 5 Series Present-W

2,500
12%
60

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

nomor 8

2500 x ((1+ 0,12/12)60 - 1) / (0,12/12 (1+0,12/12)60)

2500 x (44,95504)
112,387.60

Table 5 Series Present-W

A=
i=
n=
Compounded monthly

5,000
18%
36

A = R ( ( 1 + i/m)nm - 1) / (i/m (1 + i/m)nm)

A=
A=
A=

5000 x ((1+ 0,18/12)36 - 1) / (0,18/12 (1+0,18/12)36)

5000 x (27,66068)
138,303.40

nomor 9
A=
i=
n=
Compounded annually

Table 5 Series Present-W

50,000
8%
20

R = A ( ( i (1 + i)n ) / ((1 + i/m)n -1)

R=
R=
R=

50.000 x ( ( 0,08 (1 + 0,08)20 ) / ((1 + 0,08)20 -1)

50.00 x (0,10185)
5,092.50

Payments (20 years) (20*254,63)

interest

nomor 10
A=
i=
n=
Compounded semiannually

Table 6 Capital Recovery

101,850.00
51,850.00

25,000
8%
20

R = A ( ( i (1 + i)n ) / ((1 + i/m)n -1)

R=
R=
R=

25.000 x ( (0,08/2 (1 + 0,08/2)20*2 ) / ((1 + 0,08/2)20*2 -1)

25.000 x (0,05052)
1,263.00

Payments (20 years,2) (20*2*1263)

interest

50,520.00
25,520.00

Table 6 Capital Recovery

able 5 Series Present-Worth Factor (T-20)

able 5 Series Present-Worth Factor (T-19)

able 5 Series Present-Worth Factor (T-19)

able 5 Series Present-Worth Factor (T-19)

able 5 Series Present-Worth Factor (T-18)

able 5 Series Present-Worth Factor (T-18)

able 5 Series Present-Worth Factor (T-18)

able 5 Series Present-Worth Factor (T-18)

able 6 Capital Recovery Factor (T-23)

able 6 Capital Recovery Factor (T-23)