Jawaban

Date | Transaction | Amount | Balance

------- | -------- | -------- | --------

1/1/2023 | Cash deposit | IDR 50 | IDR 50

1/1/2023 | Cash withdrawal | IDR 10 | IDR 40

1/1/2023 | Clearing deposit | IDR 30 | IDR 70

1/1/2023 | Cash deposit | IDR 15 | IDR 85

1/1/2023 | Cash withdrawal | IDR 10 | IDR 75

1/1/2023 | Clearing deposit | IDR 25 | IDR 100

**Minimum Balance Method**

The minimum balance method is a method of calculating interest on a bank account based on the lowest balance during the month. In this case, the minimum balance is IDR 40, so the interest earned is IDR 7.20 (IDR 40 x 18% x 1 month).

**Average Balance Method**

The average balance method is a method of calculating interest on a bank account based on the average balance during the month. In this case, the average balance is IDR 72.50, so the interest earned is IDR 13.15 (IDR 72.50 x 18% x 1 month).

**End-of-Day Balance Method**

The end-of-day balance method is a method of calculating interest on a bank account based on the balance at the end of each day. In this case, the end-of-day balance on January 1, 2023 is IDR 100, so the interest earned is IDR 18 (IDR 100 x 18% x 1 day).

**Taxes**

The tax rate on interest earned on bank accounts is 20%. In this case, the tax owed is IDR 3.60 (IDR 18 x 20%).

**Total**

The total interest earned is IDR 20.75 (IDR 7.20 + IDR 13.15 + IDR 0.40). The total tax owed is IDR 3.60. The net interest earned is IDR 17.15 (IDR 20.75 - IDR 3.60).