I=PRT/100 inatumikaje katika kukokotoa mkopo wa mfanyakazi

Habari ndugu wanajukwaa,hivi Benki wanatumia formula gani ktk ukopesdaji kwa watumishi?maana kila nikitumia ile formula ya I=PRT/100 mahesabu yanakuja tofauti

Mkuu
principles are the same with little modification. The rules ni zile zile ila kuna vitu vinaitwa present value.
In short kwenye hiyo formula yako ongeza time factor then mind you wanatumia ile concept ya faida huzaa. Yaani compounding as opposed to hiyo ambayo ni simple interest

Mkuu hapo bado nipo kizani,hiyo time factor ndio inakuaje,fafanua kidogo mkuu