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Menampilkan 1–7 dari 7 artikel
Penerapan Jadwal Amortisasi dan Dana Pelunasan pada Kredit Perumahan Rakyat (KPR)
Bobby Putra Delon Togatorop
; Arnah Ritonga
; Lestari Novianti Sinurat
; Monica Triyuni Sinaga
; Widya Kartini Pangaribuan
Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam
Vol 4
, No 2
(2025)
This study aims to examine the use of amortization schedules and the repayment fund approach in Public Housing Credit. By applying quantitative descriptive methods and a case study approach, this study simulates a mortgage with a credit ceiling of Rp163,800,000, a tenor of 15 years, and an interest rate of 5.65% for the first to fifth year and 13% for the sixth to fifteenth year. The results of the simulation show that without any additional strategies, the total interest to be paid reaches Rp13...
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Analisis Perbandingan Model Diskrit dan Kontinu dalam Prediksi Biaya Hidup Mahasiswa Selama Masa Studi
Adinda Saputri
; Arnah Ritonga
; Alya Dwi Lestari
; Kenjo Oktaviano Damanik
; Riby Tamara
Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam
Vol 4
, No 2
(2025)
This study aims to compare the results of student living cost estimates over a four-year study period using two approaches in financial mathematics, namely the discrete model and the continuous model. The background of the study is based on the need for students to manage their personal finances effectively amidst rising living costs due to inflation. The discrete model is used to predict expenses at certain time intervals, while the continuous model assumes that changes in the value of money oc...
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Penerapan Konsep Bunga Majemuk dalam Analisis Pertumbuhan Modal Usaha Penjual Sayur di Pasar Tradisional MMTC Medan
Arnah Ritonga
; Endang Lyfia Saragih
; Grace Amelia Purba
; Petra Putri Sarinah Pandiangan
; Rizka Nabila Damanik
Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam
Vol 4
, No 2
(2025)
This study analyzes the application of the compound interest concept in evaluating capital growth among vegetable vendors at the MMTC Traditional Market in Medan, North Sumatra. The research highlights the low level of financial literacy among micro-entrepreneurs in Indonesia, which currently stands at only 38.03%, and its implications for business sustainability. Traditional market traders generally employ basic bookkeeping practices focused solely on daily cash flow, without considering the ti...
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Analisis Probabilitas Hujan Menggunakan Data Historis Dari BMKG Wilayah I Tahun 2013-2015
Arnah Ritonga
; Asni Al Amini
; Livia Mutianda
; Riamonda Singarimbun
; Aiman Hidayat Baeha
; Glensius Rayhane Pasaribu
; Juanda Arief Darmawan Damanik
Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam
Vol 4
, No 1
(2025)
Rainfall potential analysis plays a critical role in the management of air resources, mitigation of hydrometeorological disasters, and agricultural activity planning. Accurate estimation of rainfall patterns is essential to ensure effective decision-making in irrigation systems, water resource management, and disaster risk reduction strategies. This study aims to model the probability of rainfall occurrence using a statistical approach based on historical data obtained from the Bureau of Meteoro...
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Menghitung Peluang dalam Susunan Kata Sandi : Kombinatorika dalam Keamanan Digital
Arnah Ritonga
; Dina Harianja
; Maisarah Putri Lalyta Siregar
; Stepanus Simatupang
; Vany Aisah Panggabean
Algoritma : Jurnal Matematika, Ilmu pengetahuan Alam, Kebumian dan Angkasa
Vol 3
, No 3
(2025)
Today is a sophisticated era where everything is digital, be it smartphones, laptops, even safes. So digital password security is essential in protecting personal data. This study analyzes password strength using combinatorics and probability. Calculations are made to determine the number of possible password combinations based on the length and type of characters. In addition, the probability of success of a brute-force attack is calculated based on the number of guesses that can be made by the...
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Penerapan Distribusi Normal Dalam Pengukuran Tinggi Badan Mahasiswa FMIPA Universitas Negeri Medan 2024
Arnah Ritonga
; Endang Lyfia Saragih
; Grace Amelia Purba
; Petra Putri Sarinah Pandiangan
; Rizka Nabila Damanik
; Farel Al Azmi
Bilangan : Jurnal Ilmiah Matematika, Kebumian dan Angkasa
Vol 3
, No 2
(2025)
This study explores the application of the normal distribution in analyzing the height data of Mathematics Education students at FMIPA Universitas Negeri Medan in 2024. Employing a quantitative descriptive-analytic methodology, the research involved collecting primary data from 10 randomly selected students through a questionnaire-based survey. Descriptive statistical analysis revealed a mean height of 161.4 cm with a standard deviation of 8.79 cm. The median height was found to be 164 cm, while...
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METODE ANALISIS JALUR DALAM MENGANALISIS KETERGANTUNGAN SMARTPHONE TERHADAP PERILAKU BELAJAR SISWA SMP NEGERI 1 TANTOM ANGKOLA
Wahyudi Yhose A Simanjuntak
; Arnah Ritonga
Jurnal Riset Rumpun Ilmu Pendidikan
Vol 2
, No 1
(2023)
The ease of using Smartphones and the many functions that help with activities, make today's teenagers very familiar with Smartphones, including students at SMP Negeri 1 Tantom Angkola. Students tend to use Smartphones for various reasons, such as just wanting to play games and being too active on social media. The impact of Smartphone dependence, especially on student development, will have a negative impact from an academic point of view. The nature of dependence does not just happen, the infl...
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