Published: 2025-06-01

Pengaruh Tingkat Bunga Diskrit dan Jangka Waktu Pinjaman terhadap Skema Amortisasi dan Total Biaya Pelunasan Utang

DOI: 10.35870/jemsi.v11i3.4066

Albert Servant Ndruru, Enjelita Simangusong, Ferdyanto Abangan Simanjuntak, Alfon Brian Harefa
  • Albert Servant Ndruru: State University of Medan ROR
  • Enjelita Simangusong: State University of Medan ROR
  • Ferdyanto Abangan Simanjuntak: State University of Medan ROR
  • Alfon Brian Harefa: State University of Medan ROR
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Abstract

This study analyzes the effect of discrete interest rates and loan terms on the amortization scheme and total debt repayment costs. Debt amortization is a method of paying off loans periodically consisting of principal and interest. Variations in interest rates and loan terms can affect the amount of installments, the proportion of interest payments to principal, and the total costs that must be paid by the borrower. Using a quantitative approach and numerical simulation, this study evaluates the relationship between these variables to understand their impact on the debt repayment structure. The results show that higher interest rates increase total interest expenses, while longer loan terms can reduce monthly installments but increase total repayment costs due to interest accumulation. These findings are expected to help financial institutions in formulating optimal credit policies and provide guidance for borrowers in choosing the most efficient loan scheme.

Keywords

Debt Amortization; Discrete Interest Rates; Loan Terms; Repayment Costs; Credit Schemes

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How to Cite

Ndruru, A. S., Simangusong, E., Simanjuntak, F. A., & Harefa, A. B. (2025). Pengaruh Tingkat Bunga Diskrit dan Jangka Waktu Pinjaman terhadap Skema Amortisasi dan Total Biaya Pelunasan Utang. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 11(3), 1384-1392. https://doi.org/10.35870/jemsi.v11i3.4066
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 11 No. 3 (2025)

  • Section: Articles

  • Published: 2025-06-01

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Author Biographies
Albert Servant Ndruru, State University of Medan
Google Scholar ResearchGate ORCID

Jurusan Matematika, Fakultas FMIPA, Universitas Negeri Medan. Jl. William Iskandar Ps. V, Kenangan Baru, Kec. Percut Sei Tuan, Kabupaten Deli Serdang, Sumatera Utara.

Enjelita Simangusong, State University of Medan
Google Scholar ResearchGate ORCID

Jurusan Matematika, Fakultas FMIPA, Universitas Negeri Medan. Jl. William Iskandar Ps. V, Kenangan Baru, Kec. Percut Sei Tuan, Kabupaten Deli Serdang, Sumatera Utara.

Ferdyanto Abangan Simanjuntak, State University of Medan
Google Scholar ResearchGate ORCID

Jurusan Matematika, Fakultas FMIPA, Universitas Negeri Medan. Jl. William Iskandar Ps. V, Kenangan Baru, Kec. Percut Sei Tuan, Kabupaten Deli Serdang, Sumatera Utara.

Alfon Brian Harefa, State University of Medan
Google Scholar ResearchGate ORCID

Jurusan Matematika, Fakultas FMIPA, Universitas Negeri Medan. Jl. William Iskandar Ps. V, Kenangan Baru, Kec. Percut Sei Tuan, Kabupaten Deli Serdang, Sumatera Utara.

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