A student borrowed Rp$8\mathrm{.}5$M from a bank to buy a computer with an agreement to repay Rp$250$K at the end of the month of each of the first $2$ years and Rp$3\mathrm{.}5$M at the end of the second year. Determine the rate of interest $($effective monthly, nominal, and effective annually$)$ that makes the receipts and disbursement equal? Draw the cashflow to answer this question.