3. PT Dunia Baru received orders for making kitchen sets. Customers can choose materials and colors and designs according to their individual tastes. Mrs. Etty is a potential customer who is negotiating the price for her kitchen set order. The process of making a kitchen set takes 2 months. PT Dunia Baru offers Mrs. Etty 2 payment schemes, namely: First, without a DP at the beginning of the order and paying 15,000,000 to be paid in full when installing the kitchen set. Second, pay 1,000,000 at the beginning and the balance is paid every month @ 1,000,000 for 15 months. Determine which payment scheme of this contract contains a significant financing component, explain your