Article in English: The interest rate stated on your investment prospectus or loan agreement is an annual rate. If your car loan, for example, is a 6% loan, you pay 6% interest each year. Compounding once at the end of the year is the easiest calculation for compounding interest.  A debt may compound interest annually, monthly or even daily. The more frequently your debt compounds, the faster you will accumulate interest. You can look at compound interest from the investor or the debtor’s point of view. Frequent compounding means that the investor’s interest earnings will increase at a faster rate. It also means that the debtor will owe more interest while the debt is outstanding. For example, a savings account may be compounded annually, while a pay-day loan can be compounded monthly or even weekly. Assume that you own a $1,000, 6% savings bond issued by the US Treasury. Treasury savings bonds pay out interest each year based on their interest rate and current value.  Interest paid in year 1 would be $60 ($1,000 multiplied by 6% = $60). To calculate interest for year 2, you need to add the original principal amount to all interest earned to date. In this case, the principal for year 2 would be ($1,000 + $60 = $1,060). The value of the bond is now $1,060 and the interest payment will be calculated from this value. To see the bigger impact of compound interest, compute interest for later years. As you move from year to year, the principal amount continues to grow.  Multiply the year 2 principal amount by the bond’s interest rate. ($1,060 X 6% = $63.60). The interest earned is higher by $3.60 ($63.60 - $60.00). That’s because the principal amount increased from $1,000 to $1,060. For year 3, the principal amount is ($1,060 + $63.60 = $1,123.60). The interest earned in year 3 is $67.42. That amount is added to the principal balance for the year 4 calculation. The longer a debt is outstanding, the bigger the impact of compounding interest. Outstanding means that the debt is still owed by the debtor. Without compounding, the year 2...

Summary in Indonesian:
Tentukan bunga majemuk per tahun. Hitung bunga yang dimajemukkan per tahun dalam tahun pertama. Hitung bunga majemuk di tahun-tahun berikutnya. Buatlah dokumen Excel untuk memperhitungkan bunga majemuk.