{"id":"https://openalex.org/W7225005285","doi":"https://doi.org/10.18860/jrmm.v5i6.44706","title":"Perbandingan Amortisasi dan Simulasi Sinking Fund pada Pelunasan KPR BTN dengan Bunga Efektif","display_name":"Perbandingan Amortisasi dan Simulasi Sinking Fund pada Pelunasan KPR BTN dengan Bunga Efektif","publication_year":2026,"publication_date":"2026-08-30","ids":{"openalex":"https://openalex.org/W7225005285","doi":"https://doi.org/10.18860/jrmm.v5i6.44706"},"language":"id","primary_location":{"id":"doi:10.18860/jrmm.v5i6.44706","doi":"https://doi.org/10.18860/jrmm.v5i6.44706","is_oa":true,"landing_page_url":"https://doi.org/10.18860/jrmm.v5i6.44706","pdf_url":"https://ejournal.uin-malang.ac.id/index.php/jrmm/article/download/44706/pdf","source":{"id":"https://openalex.org/S4210185729","display_name":"Jurnal Riset Mahasiswa Matematika","issn_l":"2808-1552","issn":["2808-1552","2808-4926"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314932","host_organization_name":"Universitas Islam Negeri Maulana Malik Ibrahim","host_organization_lineage":["https://openalex.org/P4310314932"],"host_organization_lineage_names":["Universitas Islam Negeri Maulana Malik Ibrahim"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Riset Mahasiswa Matematika","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://ejournal.uin-malang.ac.id/index.php/jrmm/article/download/44706/pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5160256832","display_name":"Muhamad Fadlikal Khoir","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I70054679","display_name":"Pakuan University","ror":"https://ror.org/03r7ras86","country_code":"ID","type":"education","lineage":["https://openalex.org/I70054679"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Muhamad Fadlikal Khoir","raw_affiliation_strings":["Universitas Pakuan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Pakuan","institution_ids":["https://openalex.org/I70054679"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5160281309","display_name":"Sadewa Dwi Putra Asmara","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I70054679","display_name":"Pakuan University","ror":"https://ror.org/03r7ras86","country_code":"ID","type":"education","lineage":["https://openalex.org/I70054679"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Sadewa Dwi Putra Asmara","raw_affiliation_strings":["Universitas Pakuan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Pakuan","institution_ids":["https://openalex.org/I70054679"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5004406760","display_name":"Embay Rohaeti","orcid":"https://orcid.org/0000-0002-3124-3799","observed_orcids":["https://orcid.org/0000-0002-3124-3799"]},"institutions":[{"id":"https://openalex.org/I70054679","display_name":"Pakuan University","ror":"https://ror.org/03r7ras86","country_code":"ID","type":"education","lineage":["https://openalex.org/I70054679"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Embay Rohaeti","raw_affiliation_strings":["Universitas Pakuan, Bogor, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Pakuan, Bogor, Indonesia","institution_ids":["https://openalex.org/I70054679"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I70054679"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"5","issue":"6","first_page":"377","last_page":"384"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.5077999830245972,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.5077999830245972,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12123","display_name":"Financial Analysis and Corporate Governance","score":0.2101999968290329,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.053599998354911804,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/amortization","display_name":"amortization","score":0.6179999709129333},{"id":"https://openalex.org/keywords/sinking-fund","display_name":"sinking fund","score":0.9729999899864197},{"id":"https://openalex.org/keywords/mortgage-repayment","display_name":"mortgage repayment","score":0.6600000262260437},{"id":"https://openalex.org/keywords/mortgage","display_name":"mortgage lending","score":0.5619999766349792},{"id":"https://openalex.org/keywords/bank-btn","display_name":"Bank BTN","score":0.6919999718666077},{"id":"https://openalex.org/keywords/effective-interest-rate","display_name":"effective interest rate","score":0.9559999704360962},{"id":"https://openalex.org/keywords/declining-balance-method","display_name":"declining balance method","score":0.6230000257492065},{"id":"https://openalex.org/keywords/equilibrium-interest-rate","display_name":"equilibrium interest rate","score":0.5360000133514404},{"id":"https://openalex.org/keywords/housing-finance","display_name":"housing finance","score":0.31299999356269836}],"concepts":[{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.684499979019165},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.31060001254081726},{"id":"https://openalex.org/C15708023","wikidata":"https://www.wikidata.org/wiki/Q80083","display_name":"Humanities","level":1,"score":0.2888000011444092},{"id":"https://openalex.org/C92209122","wikidata":"https://www.wikidata.org/wiki/Q16937537","display_name":"Informatics engineering","level":2,"score":0.21699999272823334},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2134000062942505},{"id":"https://openalex.org/C97137747","wikidata":"https://www.wikidata.org/wiki/Q38112","display_name":"Forestry","level":1,"score":0.1784999966621399},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.13670000433921814},{"id":"https://openalex.org/C144027150","wikidata":"https://www.wikidata.org/wiki/Q48803","display_name":"Horticulture","level":1,"score":0.13279999792575836},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.11249999701976776},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.10869999974966049}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.18860/jrmm.v5i6.44706","doi":"https://doi.org/10.18860/jrmm.v5i6.44706","is_oa":true,"landing_page_url":"https://doi.org/10.18860/jrmm.v5i6.44706","pdf_url":"https://ejournal.uin-malang.ac.id/index.php/jrmm/article/download/44706/pdf","source":{"id":"https://openalex.org/S4210185729","display_name":"Jurnal Riset Mahasiswa Matematika","issn_l":"2808-1552","issn":["2808-1552","2808-4926"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314932","host_organization_name":"Universitas Islam Negeri Maulana Malik Ibrahim","host_organization_lineage":["https://openalex.org/P4310314932"],"host_organization_lineage_names":["Universitas Islam Negeri Maulana Malik Ibrahim"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Riset Mahasiswa Matematika","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.18860/jrmm.v5i6.44706","doi":"https://doi.org/10.18860/jrmm.v5i6.44706","is_oa":true,"landing_page_url":"https://doi.org/10.18860/jrmm.v5i6.44706","pdf_url":"https://ejournal.uin-malang.ac.id/index.php/jrmm/article/download/44706/pdf","source":{"id":"https://openalex.org/S4210185729","display_name":"Jurnal Riset Mahasiswa Matematika","issn_l":"2808-1552","issn":["2808-1552","2808-4926"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314932","host_organization_name":"Universitas Islam Negeri Maulana Malik Ibrahim","host_organization_lineage":["https://openalex.org/P4310314932"],"host_organization_lineage_names":["Universitas Islam Negeri Maulana Malik Ibrahim"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Riset Mahasiswa Matematika","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225005285.pdf","grobid_xml":"https://content.openalex.org/works/W7225005285.grobid-xml"},"referenced_works_count":5,"referenced_works":["https://openalex.org/W3161917391","https://openalex.org/W3210180879","https://openalex.org/W4404695635","https://openalex.org/W4409608836","https://openalex.org/W7087669075"],"related_works":["https://openalex.org/W4404695635","https://openalex.org/W7054669856","https://openalex.org/W2800938399","https://openalex.org/W1553986338","https://openalex.org/W7216291143","https://openalex.org/W7217534645","https://openalex.org/W1513582964","https://openalex.org/W7220441185","https://openalex.org/W7153775584","https://openalex.org/W6986323864"],"abstract_inverted_index":{"Kredit":[0],"Pemilikan":[1],"Rumah":[2],"(KPR)":[3],"merupakan":[4],"instrumen":[5],"pembiayaan":[6,28],"perumahan":[7],"jangka":[8],"panjang":[9],"yang":[10,24,69,101,247,256],"paling":[11],"banyak":[12],"digunakan":[13,248],"masyarakat":[14],"Indonesia.":[15],"Dalam":[16],"matematika":[17],"keuangan,":[18],"terdapat":[19],"dua":[20],"metode":[21,31,34,48,57,65,95,180,255],"pelunasan":[22,43,52,115],"hutang":[23],"dapat":[25],"diterapkan":[26],"pada":[27,67,208],"KPR,":[29],"yaitu":[30],"amortisasi":[32,122,145,252,266],"dan":[33,60,99,187,214],"\\textit{sinking":[35,58,133,158],"fund}.":[36],"Penelitian":[37,71],"ini":[38,260],"bertujuan":[39],"untuk:":[40],"(1)":[41],"menghitung":[42,51],"KPR":[44,53,273],"Bank":[45,54,82],"BTN":[46,55,197],"dengan":[47,56,79,94,110,128,140,148,172,225],"amortisasi;":[49],"(2)":[50],"fund};":[59],"(3)":[61],"membandingkan":[62],"kinerja":[63],"kedua":[64,108,179],"tersebut":[66,189,205,237],"tenor":[68,100],"sama.":[70],"menggunakan":[72],"pendekatan":[73],"simulasi":[74,246],"numerik":[75],"berbasis":[76],"model":[77],"matematis":[78],"data":[80],"resmi":[81],"Tabungan":[83],"Negara:":[84],"pokok":[85],"pinjaman":[86,213],"Rp500.000.000,":[87],"suku":[88,111,163,173,193,211],"bunga":[89,96,112,164,174,194,212,222],"nominal":[90],"tahunan":[91],"7,95\\%":[92,169],"(diterapkan":[93],"efektif/saldo":[97],"menurun),":[98],"disamakan":[102],"15":[103],"tahun":[104],"(180":[105],"bulan)":[106],"untuk":[107,270],"metode,":[109],"rekening":[113],"dana":[114],"2,35\\%":[116],"per":[117,126,138,170,242],"tahun.":[118,243],"Hasil":[119],"menunjukkan":[120,156,202,233],"bahwa":[121,157,203,234,265],"menghasilkan":[123,135],"cicilan":[124],"Rp4.763.839":[125],"bulan":[127,139],"total":[129,141],"pembayaran":[130,136,142],"Rp857.491.047,":[131],"sedangkan":[132,216],"fund}":[134,159],"Rp5.632.089":[137],"Rp1.013.776.046.":[143],"Metode":[144],"lebih":[146,257,268],"efisien":[147,269],"selisih":[149],"penghematan":[150],"sebesar":[151],"Rp156.284.999.":[152],"Analisis":[153,200],"kondisi":[154,188,272,275],"optimal":[155],"baru":[160],"menguntungkan":[161],"apabila":[162],"tabungan":[165],"melampaui":[166],"titik":[167,185],"keseimbangan":[168,236],"tahun---sama":[171],"pinjaman---yang":[175],"membuktikan":[176],"teorema":[177],"kesetaraan":[178,204],"(dan":[181],"terbukti":[182,253],"sebagai":[183,254,263],"satu-satunya":[184],"keseimbangan)":[186],"belum":[190],"terpenuhi":[191],"oleh":[192],"acuan":[195],"Deposito":[196],"saat":[198],"ini.":[199],"sensitivitas":[201],"berlaku":[206],"konsisten":[207],"berbagai":[209],"kombinasi":[210],"tenor,":[215],"uji":[217],"ketahanan":[218],"terhadap":[219],"pajak":[220],"final":[221],"deposito":[223],"(20\\%,":[224],"asumsi":[226],"sederhana":[227],"hasil":[228],"neto":[229],"80\\%":[230],"dari":[231],"bruto)":[232],"syarat":[235],"naik":[238],"menjadi":[239],"sekitar":[240],"9,94\\%":[241],"Untuk":[244],"parameter":[245],"dalam":[249],"penelitian":[250],"ini,":[251],"efisien;":[258],"kesimpulan":[259],"tidak":[261],"dimaksudkan":[262],"generalisasi":[264],"selalu":[267],"seluruh":[271],"atau":[274],"perbankan":[276],"di":[277],"Indonesia":[278],"secara":[279],"umum.":[280]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-11-01T00:00:00"}
