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AR-RAHNU [3STEP]

STEP 1 : Find the financing Margin amount

Value of item pawned x Margin

STEP 2 : Safekeeping rates (%)

Safekeeping rate x market value (RM) x month

@

STEP 2 : Safekeeping fees (RM)

Safekeeping fees (RM) x Month

STEP 3 : Payback Amount

Step 1 + Step 2 = RM

BBA [7STEP]

In Question

Purchase Price (PP) = RM

Profit Rate (PR) = %

Profit of financing = years x 12

Grace period = years x 12

Grace period rate = %

Ada point.. kene bundarkan 6 decimal.. cth.. 0.005644

STEP 1: Annuity Factor (AF)

AF = i (1+i)n (1+i)n -1

|n = [Grace Period (GP) x 12] – [Period of Financing x 12] |
| |
|i = Profit rate (%) |
|12 x 100 |

Kalo dapat jawpan dalam calculator 345.87-3
Kene bundarkan 0.003459
Kene amik 6 decimal

STEP 2 : Period Repayment (PR)

PR = Annuity Factor (AF) x Purchase Price (PP) = RM

STEP 3 : Selling Price (SP)

SP = Period Repayment (PR) x n

STEP 4 : Profit Grace Period (GP) @ Grace Period Profit (GPP)

GP = GPPR (%) x Purchase Price x Grace Period 2 / 100

@

GP = GPPR (%) x PP x GP 2 / 100

STEP 5: Installment of Grace Period

Installment = Grace period Profit [GPP] (step 4) GP Grace period [GP] (dah kali dgn 12)

STEP 6: Profit Amount (PA)

PA = Selling Price [SP] (step 3) + Grace Period Profit [GPP] (Step 4)

STEP 7: Diagram

Amount (RM)

Step 2 (RM)

STEP 5(RM)

Month