Jika seseorang menanamkan modal sebesar Rp 15.000.000 di instrumen keuangan dengan bunga 8% per tahun, berapa jumlah uang yang akan dia miliki setelah 4 tahun?

1. ### Break Down the Problem

We need to find the total amount of money after 4 years, given an initial investment and an annual interest rate. This is a compound interest problem.

2. ### Relevant Concepts

The formula for compound interest is: $A = P(1 + r)^n$ Where:

• $A$ = the amount of money accumulated after n years, including interest.
• $P$ = the principal amount (initial investment).
• $r$ = annual interest rate (decimal).
• $n$ = the number of years the money is invested or borrowed for.

3. ### Analysis and Detail

• Given:
  • $P = 15,000,000$
  • $r = 8\% = 0.08$
  • $n = 4$

We will now substitute the values into the compound interest formula.

4. ### Verify and Summarize

Substituting the values: $A = 15,000,000(1 + 0.08)^4$ Calculating: $A = 15,000,000(1.08)^4$ Calculating $(1.08)^4$: $(1.08)^4 = 1.36049$ Now multiply by $P$: $A = 15,000,000 \times 1.36049 \approx 20,407,350$

Final Answer

After 4 years, the total amount will be approximately Rp 20,407,350.