First, read the English article below.

The formula for amortizing a loan is complex. The math required is difficult to perform manually.  When a loan is amortized, the borrower makes a fixed loan payment, usually monthly. That payment includes both repayment of principal and interest owed on the debt. As time goes on, each fixed loan payment includes a larger portion of principal repayment, and a smaller portion of interest. There are many amortization calculators on the Internet allow you to input a principal amount, loan term and interest rate. The calculator can provide the monthly payment, based on the criteria you input. Try searching online for "car loan calculator" to find one. Assume that your loan’s principal amount is $10,000. The term of your loan is 6 years, and the interest rate on your loan is 6%. Input those amounts into the loan calculator. The schedule produces a monthly payment amount of $163.74. That schedule includes $50 of interest in the first monthly payment. The interest portion of each payment declines over time. For example, the interest portion in the 24th month’s payment is $35.93. The amortization schedule calculates total interest owed of $1932.48 over the life of the loan. If you want to reduce the total interest, you can choose another loan structure with a shorter term, maybe 3 years. You can also make larger monthly payments. The larger payments will reduce your principal faster- which will also reduce your interest paid on the loan. 

Now, please write a short abstract for it in Indonesian. Abstract:
Gunakan kalkulator amortisasi. Masukkan asumsi Anda. Pertimbangkan jadwal amortisasi yang dihasilkan. Temukan bunga pinjaman total.