3. A developing company plans to borrow IDR 200 million for 5 years of a bank. Bank UDIN is willing to provide loans with an interest rate of 20% per annum in installments month. Another bank, DOEL Bank, is willing to provide loas with a simple interest rate of 15% per year paid monthly, but on condition that the company makes a deposit for sinking funds in the bank it is with an interest of 10% per year and calculated every month. a. Which alternative should be chosen? b. How much savings can be made each semester?