{"id":1726,"date":"2026-07-22T13:40:51","date_gmt":"2026-07-22T06:40:51","guid":{"rendered":"https:\/\/www.itera.ac.id\/blog\/?p=1726"},"modified":"2026-07-22T11:41:16","modified_gmt":"2026-07-22T04:41:16","slug":"contoh-soal-anuitas","status":"publish","type":"post","link":"https:\/\/www.itera.ac.id\/blog\/contoh-soal-anuitas\/","title":{"rendered":"Contoh Soal Anuitas Lengkap dengan Jawaban dan Pembahasan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Anuitas merupakan salah satu materi penting dalam Matematika Keuangan yang sering muncul pada pelajaran Matematika SMA, Ekonomi, hingga berbagai ujian masuk perguruan tinggi. Konsep anuitas digunakan untuk menghitung pembayaran atau penerimaan sejumlah uang secara berkala dengan nilai yang tetap pada setiap periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Materi anuitas banyak diterapkan dalam kehidupan sehari-hari, misalnya pada:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cicilan kredit rumah (KPR)<\/li>\n\n\n\n<li>Kredit kendaraan<\/li>\n\n\n\n<li>Pinjaman bank<\/li>\n\n\n\n<li>Tabungan berjangka<\/li>\n\n\n\n<li>Dana pensiun<\/li>\n\n\n\n<li>Investasi berkala<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam mengerjakan soal anuitas, peserta didik perlu memahami hubungan antara besar cicilan, bunga, pokok pinjaman, jumlah periode pembayaran, serta nilai sekarang maupun nilai akhir dari suatu anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada kumpulan soal berikut, setiap soal telah dilengkapi jawaban benar, pembahasan lengkap, kompetensi yang diukur, indikator pembelajaran, level kognitif, tingkat kesulitan, serta estimasi waktu pengerjaan sehingga dapat dijadikan bahan latihan sebelum menghadapi ujian sekolah maupun Tes Kemampuan Akademik (TKA).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 1<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Pembayaran dengan jumlah berubah setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pembayaran atau penerimaan dengan jumlah tetap setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Pembayaran yang dilakukan satu kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Pinjaman tanpa bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tabungan tanpa jangka waktu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pembayaran atau penerimaan dengan jumlah tetap setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anuitas merupakan serangkaian pembayaran atau penerimaan yang nilainya sama dan dilakukan secara berkala dalam jangka waktu tertentu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami konsep anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan pengertian anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 2<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam sistem anuitas, besar cicilan yang dibayarkan setiap periode bersifat &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Selalu berubah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Semakin besar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Semakin kecil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Bergantung pada pokok pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada sistem anuitas, total cicilan setiap periode tetap, meskipun komposisi bunga dan angsuran pokok berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami karakteristik anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu mengenali sifat anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 3<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seseorang mencicil pinjaman menggunakan sistem anuitas selama 24 bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah periode pembayaran adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. 12<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. 18<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 20<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 24<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 36<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 24<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah periode sama dengan banyaknya cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena cicilan dilakukan selama 24 bulan, maka terdapat <strong>24 periode pembayaran<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menentukan jumlah periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menentukan periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 4<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada sistem anuitas, bagian bunga setiap periode umumnya akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi nol sejak awal<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Selalu sama dengan pokok<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena sisa pinjaman semakin kecil, bunga yang dihitung setiap periode juga semakin kecil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami konsep bunga anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan perubahan bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 5<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada sistem anuitas, angsuran pokok setiap periode biasanya akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Menurun<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Sama dengan bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Selalu nol<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena bunga semakin kecil sementara total cicilan tetap, maka bagian angsuran pokok akan semakin besar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami angsuran pokok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan perubahan angsuran pokok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 6<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Salah satu contoh penerapan anuitas dalam kehidupan sehari-hari adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Membeli makanan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Membayar cicilan rumah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Membeli pulsa<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Membayar parkir<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Membeli tiket bioskop<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Membayar cicilan rumah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredit rumah (KPR) umumnya menggunakan sistem anuitas karena cicilan dibayar secara tetap setiap bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi penerapan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu mengenali penggunaan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 7<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pinjaman sebesar Rp12.000.000 dicicil selama 12 bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banyak cicilan yang dilakukan adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. 6 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. 8 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 10 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 12 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 24 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 12 kali<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena pembayaran dilakukan setiap bulan selama 12 bulan, maka terdapat <strong>12 kali pembayaran<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menentukan periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menentukan jumlah cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 8<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebuah pinjaman dikenakan bunga 1% per bulan. Jika sisa pinjaman semakin kecil, maka bunga bulan berikutnya akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi dua kali lipat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak dapat ditentukan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bunga dihitung berdasarkan sisa pinjaman. Semakin kecil sisa pinjaman, semakin kecil pula bunga yang dibayarkan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami bunga anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menganalisis perubahan bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 9<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yang termasuk komponen dalam perhitungan anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Pokok pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Lama pembayaran<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Besar cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Semua jawaban benar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Semua jawaban benar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perhitungan anuitas melibatkan pokok pinjaman, suku bunga, jumlah periode pembayaran, dan besar cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi komponen anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu mengenali unsur-unsur anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 10<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seorang nasabah membayar cicilan dengan jumlah yang sama setiap bulan selama masa pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sistem pembayaran tersebut disebut &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Diskonto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Bunga tunggal<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Bunga majemuk<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Anuitas<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Investasi<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Anuitas<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ciri utama sistem anuitas adalah <strong>jumlah cicilan yang dibayarkan setiap periode tetap<\/strong>, walaupun komposisi bunga dan pokok berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu membedakan anuitas dengan sistem pembayaran lainnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 11<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pinjaman sebesar Rp60.000.000 dicicil menggunakan sistem anuitas selama 60 bulan. Banyak periode pembayaran adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. 12<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. 24<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 36<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 48<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 60<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 60<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena pembayaran dilakukan selama 60 bulan, maka jumlah periodenya adalah <strong>60 kali pembayaran<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menentukan periode anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menentukan jumlah periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 12<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada pembayaran anuitas, bagian bunga dihitung berdasarkan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Cicilan tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pokok pinjaman awal<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Sisa pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Lama pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Jumlah cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Sisa pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam sistem anuitas, bunga dihitung berdasarkan sisa pinjaman sehingga nilainya akan terus menurun setiap periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami konsep bunga anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan dasar perhitungan bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 13<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jika bunga anuitas setiap bulan semakin kecil, maka angsuran pokok akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Semakin kecil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Semakin besar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Sama dengan bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Menjadi nol<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Semakin besar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena jumlah cicilan tetap, ketika bunga menurun maka bagian pokok yang dibayarkan otomatis meningkat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami hubungan bunga dan pokok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menganalisis perubahan komponen cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 14<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yang menjadi tujuan utama penggunaan sistem anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Membuat bunga semakin besar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Menetapkan jumlah cicilan tetap setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Menghilangkan bunga pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Mengurangi pokok pinjaman sekaligus<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Mengubah lama pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Menetapkan jumlah cicilan tetap setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keunggulan sistem anuitas adalah memberikan jumlah cicilan yang tetap sehingga memudahkan perencanaan keuangan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami tujuan sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan fungsi anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 15<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seseorang mencicil kendaraan selama 5 tahun dengan pembayaran setiap bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah periode pembayaran adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. 50<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. 55<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 60<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 65<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 70<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 60<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5 tahun = 5 \u00d7 12 bulan = <strong>60 bulan<\/strong>, sehingga terdapat 60 periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menghitung periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menentukan jumlah periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 16<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Komponen yang nilainya selalu tetap dalam sistem anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Angsuran pokok<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Total cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Sisa pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Pokok pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Total cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun bunga dan angsuran pokok berubah setiap periode, jumlah total cicilan tetap sama.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi karakteristik anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu membedakan komponen tetap dan berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 17<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sisa pinjaman setelah beberapa kali membayar cicilan akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi dua kali lipat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak berubah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap pembayaran mengurangi sebagian pokok pinjaman sehingga sisa pinjaman akan semakin kecil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami perubahan sisa pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan perubahan saldo pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 18<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jika suku bunga pinjaman meningkat sementara pokok pinjaman tetap, maka besar cicilan anuitas cenderung &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Menurun<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap sama<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Meningkat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi nol<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak dapat dihitung<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Meningkat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suku bunga yang lebih tinggi menyebabkan total pembayaran menjadi lebih besar sehingga cicilan anuitas meningkat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menganalisis pengaruh suku bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan hubungan bunga dan cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C4 (Menganalisis)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 19<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Manakah yang termasuk contoh anuitas?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Membeli makanan di kantin<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Membayar cicilan KPR setiap bulan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Membeli buku secara tunai<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Membayar uang parkir<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Membeli tiket kereta<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Membayar cicilan KPR setiap bulan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KPR menggunakan sistem pembayaran berkala dengan jumlah cicilan tetap sehingga termasuk contoh anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi penerapan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu mengenali penggunaan anuitas dalam kehidupan sehari-hari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 20<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keuntungan utama sistem anuitas bagi peminjam adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tidak perlu membayar bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Jumlah cicilan mudah diperkirakan karena tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Pokok pinjaman tidak berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Bunga selalu tetap setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Pinjaman otomatis lunas tanpa pembayaran<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Jumlah cicilan mudah diperkirakan karena tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena total cicilan setiap periode tetap, peminjam dapat lebih mudah menyusun anggaran keuangan setiap bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami manfaat sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan kelebihan sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 21<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seseorang mengambil pinjaman dengan sistem anuitas. Setelah beberapa kali membayar cicilan, sisa pinjaman akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Bertambah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi nol sejak awal<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak dapat ditentukan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Berkurang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap pembayaran cicilan mengurangi sebagian pokok pinjaman sehingga sisa pinjaman akan semakin kecil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami perubahan saldo pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan perubahan sisa pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 22<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jika jangka waktu pinjaman diperpanjang, maka besar cicilan anuitas umumnya akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Semakin besar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Semakin kecil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi nol<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak berubah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Semakin kecil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Semakin panjang jangka waktu pembayaran, cicilan tiap periode biasanya menjadi lebih kecil karena pembayaran dibagi ke lebih banyak periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menganalisis pengaruh jangka waktu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan hubungan periode dengan cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C4 (Menganalisis)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 23<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Komponen yang nilainya semakin kecil selama masa kredit adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Jumlah cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Suku bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Angsuran pokok<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Bunga setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Lama pinjaman<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Bunga setiap periode<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karena bunga dihitung dari sisa pinjaman yang terus berkurang, maka bunga setiap periode juga semakin kecil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami komponen anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menganalisis perubahan bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 24<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pinjaman Rp48.000.000 dicicil selama 4 tahun dengan pembayaran bulanan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah periode pembayaran adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. 24<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. 36<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. 42<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 48<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. 60<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. 48<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4 tahun = 4 \u00d7 12 = <strong>48 bulan<\/strong>, sehingga terdapat <strong>48 periode pembayaran<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menentukan jumlah periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menghitung periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 25<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yang bukan merupakan contoh penggunaan sistem anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Kredit rumah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Kredit mobil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Cicilan motor<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Membeli makanan secara tunai<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Kredit elektronik<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Membeli makanan secara tunai<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pembelian tunai tidak dilakukan secara berkala sehingga bukan merupakan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi penerapan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu membedakan transaksi anuitas dan nonanuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 26<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam sistem anuitas, yang berubah setiap periode adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Total cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Jangka waktu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Angsuran pokok dan bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Nilai pinjaman awal<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Suku bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Angsuran pokok dan bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun jumlah cicilan tetap, komposisi bunga dan angsuran pokok berubah pada setiap periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami karakteristik anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu membedakan komponen tetap dan berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 27<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suku bunga kredit adalah 10% per tahun. Jika pokok pinjaman tetap tetapi bunga naik menjadi 12%, maka cicilan anuitas akan &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tetap<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Menurun<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Meningkat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Menjadi nol<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Tidak berubah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Meningkat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Semakin tinggi suku bunga, semakin besar total pembayaran yang harus dilakukan sehingga cicilan anuitas meningkat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menganalisis pengaruh suku bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan hubungan bunga dan cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C4 (Menganalisis)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 28<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keuntungan sistem anuitas bagi pihak bank adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Tidak memperoleh bunga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Tidak menerima cicilan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Memperoleh pembayaran pokok dan bunga secara berkala<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Tidak memiliki risiko<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Semua pinjaman langsung lunas<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Memperoleh pembayaran pokok dan bunga secara berkala<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam sistem anuitas, bank menerima pembayaran pokok dan bunga setiap periode hingga pinjaman lunas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami penerapan anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menjelaskan manfaat anuitas bagi pemberi pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 29<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yang menjadi dasar utama dalam menentukan besar cicilan anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Warna kartu kredit<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pokok pinjaman, bunga, dan jangka waktu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Penghasilan peminjam saja<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Umur peminjam<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Jenis pekerjaan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pokok pinjaman, bunga, dan jangka waktu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Besarnya cicilan ditentukan oleh nilai pinjaman, tingkat bunga, dan lamanya periode pembayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengidentifikasi komponen anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menentukan faktor yang memengaruhi cicilan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C2 (Memahami)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mudah<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Soal Nomor 30<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pertanyaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kesimpulan yang tepat mengenai sistem anuitas adalah &#8230;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilihan Jawaban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Bunga selalu tetap setiap periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Pokok pinjaman tidak pernah berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Total cicilan tetap, sedangkan bunga dan angsuran pokok berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Semua pinjaman menggunakan sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E. Anuitas tidak menggunakan bunga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jawaban Benar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Total cicilan tetap, sedangkan bunga dan angsuran pokok berubah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pembahasan Lengkap<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ciri utama sistem anuitas adalah <strong>jumlah cicilan tetap<\/strong>, tetapi porsi bunga semakin kecil dan angsuran pokok semakin besar setiap periode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kompetensi yang Diukur<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memahami konsep anuitas secara menyeluruh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Indikator Pembelajaran<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peserta didik mampu menyimpulkan karakteristik sistem anuitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Level Kognitif (Taksonomi Bloom C1\u2013C6)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C3 (Menerapkan)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tingkat Kesulitan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Estimasi Waktu Pengerjaan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2 menit<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kesimpulan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Anuitas merupakan sistem pembayaran berkala dengan jumlah cicilan yang tetap pada setiap periode. Meskipun total cicilan tidak berubah, komposisi antara bunga dan angsuran pokok selalu berubah, di mana bunga semakin kecil dan angsuran pokok semakin besar seiring berjalannya waktu. Memahami konsep ini sangat penting karena banyak diterapkan pada kredit rumah, kendaraan, maupun berbagai produk pinjaman dan investasi di dunia nyata.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anuitas merupakan salah satu materi penting dalam Matematika Keuangan yang sering muncul pada pelajaran Matematika SMA, Ekonomi, hingga berbagai ujian&hellip;<\/p>\n","protected":false},"author":3,"featured_media":1731,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1726","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pendidikan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Contoh Soal Anuitas Lengkap dengan Jawaban dan Pembahasan<\/title>\n<meta name=\"description\" content=\"Pelajari soal anuitas lengkap dengan jawaban dan pembahasan. 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