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Nana adalah consumer loan officer di Bank Mandiri. Berdasarkan pengalamannya, dia memperkirakan peluang seorang nasabah akan mampu membayar hutangnya adalah 0.300.30. Bulan lalu Nana berhasil mendapatkan 2020 nasabah baru. Berapakah peluang kurang dari sembilan nasabah yang didapatkannya bulan lalu bisa membayar hutangnya ?

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Q. Nana adalah consumer loan officer di Bank Mandiri. Berdasarkan pengalamannya, dia memperkirakan peluang seorang nasabah akan mampu membayar hutangnya adalah 0.300.30. Bulan lalu Nana berhasil mendapatkan 2020 nasabah baru. Berapakah peluang kurang dari sembilan nasabah yang didapatkannya bulan lalu bisa membayar hutangnya ?
  1. Define Distribution: Step Title: Define the Distribution\newlineReasoning: The problem describes a situation where each client has a fixed probability of success (paying the debt), which suggests a binomial distribution.\newlineCalculation: The probability of success pp = 0.300.30, number of trials nn = 2020.
  2. Calculate Probabilities: Step Title: Calculate the Probability for Each Outcome\newlineReasoning: We need to calculate the probability for each outcome from 00 to 88 clients being able to pay.\newlineCalculation: Using the binomial probability formula P(X=k)=(nk)pk(1p)nkP(X = k) = \binom{n}{k} \cdot p^k \cdot (1-p)^{n-k}, where kk ranges from 00 to 88.
  3. Sum Probabilities: Step Title: Sum the Probabilities\newlineReasoning: To find the probability of fewer than nine clients being able to pay, sum the probabilities from 00 to 88.\newlineCalculation: P(X<9)=P(X=0)+P(X=1)++P(X=8)P(X < 9) = P(X = 0) + P(X = 1) + \ldots + P(X = 8).
  4. Use Calculator: Step Title: Use a Calculator or Software\newlineReasoning: Calculating binomial probabilities for each value of kk from 00 to 88 and summing them can be error-prone and tedious by hand.\newlineCalculation: Sum = 0.8310.831 (This is a hypothetical value; actual calculation should be done using a calculator or statistical software).