This is the most common way to say "thank you" in Korean. It's considered polite and formal, so you would use it with adults you don't know. You can also use it with children or people younger than you who you don't know. Korean culture, in general, is more polite and formal than what you might be used to. Use polite, formal language out in public, such as when you're thanking a shopkeeper, server, or sales clerk. 고맙습니다 (go-map-seum-ni-da) is interchangeable with 감사합니다 (gam-sa-ham-ni-da), and can be used in similar situations. While 감사합니다 (gam-sa-ham-ni-da) is more common, 고맙습니다 (go-map-seum-ni-da) is also used frequently. If you're talking to friends with whom you'd normally speak more informally, the politeness of this phrase can communicate more sincere gratitude. You might use it, for example, when thanking a friend for going out of their way to help you with something serious or important. If someone offers you something that you don't want, you should still be polite in your refusal. 아니요 괜찮습니다 (a-ni gwaen-chan-seum-ni-da) is appropriate with adult strangers and means, roughly, "no, thank you."  To refuse an offer from someone familiar to you, but with whom you should still be polite (such as an older relative or other adult), say 아니요 괜찮아요 (a-ni-yo gwaen-chan-a-yo). If you want to say "no, thank you" to someone your age or younger who you're on familiar terms with, say 아니 괜찮아 (a-ni gwaen-chan-a). Never use this phrase with strangers or people older than you, even if you're close to them – it will be considered rude.

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Write a summary of the previous text in Indonesian:
Katakan “감사합니다“ (dibaca “kam-sa-ham-mi-da”) dalam berbagai situasi. Beralihlah ke frasa “고맙습니다” (dibaca “go-map-seum-mi-da”) jika Anda mau saat berada di tempat umum. Gunakan “아니요, 괜찮습니다“ (dibaca “a-ni-yo, gwaen-chan-seum-mi-da”, dengan vokal “ae” dibaca seperti bunyi “e” pada kata “merah”, tetapi dengan bentuk mulut yang lebih lebar) untuk menolak pemberian atau penawaran dengan sopan.