Download - 20682588 Asgment Math Sem 1 Ppismp
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INSTITUT PENDIDIKAN GURU MALAYSIA KAMPUS SULTAN MIZAN,
22200 BESUT,
TERENGGANU DARUL IMAN
KNOWLEDGE BASED-COURSEWORK
(SHORT COURSEWORK)
PPISMP SEMESTER 1
NUMERICAL LITERACY
NAME : SITI QURRATUL AINI ULFA BINTI RODIN JAYA
I/C NO : 910606-03-6028
NAME : FARINA NATASHA HAFIZI
I/C NO : 910404-11-5000
GROUP/UNIT : PPISMP SCIENCE
SUBJECT : MT2311 BASIC MATHEMATICS
{NUMERICAL LITERACY}
LECTURERS NAME : EN ANUAR AB.RAZAK
PERIOD : 30th August 2009 13th SEPTEMBER 2009
(2 WEEKS)
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Admission
We admit that this coursework are our own work that we have done except for the
article and summary that we have explained the source.
Signature:
(___________________)
FARINA NATASHA HAFIZI
910404-11-5000
Signature :
(_________________)
SITI QURRATUL AINI ULFA BINTI
RODIN JAYA
910606-03-6028
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Index Page Number
Admission page 1
Appreciation
Introduction 4
Planning personal budget 6
Comparing and contrasting three personal
loan scheme from three different bank
8
Comparison between prices list on
brochure of five laptops.
14
Comparison between prices list on
brochure of three printers.
16
General Budget/General Calculation 19
Reflection 1 20
Reflection 2 21
Appendix
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Assalamualaikum and a very pleasure moment.
Firstly we are very grateful because finally we did finished our
coursework task on the right time given. First of all, we would like to convey our
appreciation to our parents. This is because they had given us a lot of supports
in doing this coursework perfectly.
We would like to thank our dedicated lecturer and also our coordinator
En Anuar Bin Ab. Razak from the bottom of our heart. He have helped us on
how to understand this coursework and make it easier and simple. Without his
help, we does not sure whether we can finished this coursework on time or not.
We also wanted to convey our appreciation to all of our friends for giving
us moral supports and pulling us up each time we fall. They have helps us in
doing this coursework and they also did gave comments on our coursework
such as their opinion about the background colour, graphics, arrangement of
papers and so on. We also wants to thanks all of them because no too stingy
to give and tell us about the right way to finish up this coursework.
Last but not least, we are totally enjoyed doing this coursework as it had
gave us so much knowledges about financial and mathematics. Thank you.
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Learning basic mathematic had teach us many thing especially in our daily
life including on how to buy something. As a trainee teacher, we are given a lot of
assignments to enhance and cultivate our knowledge in education. We realized that we
must have a set of computer and a printer to do our assignment that have been given
by our lecturers. Here, we are suggested to buy a laptop with the printer through a
personal loan which are available from any local bank. To collect the relevant
information, we must survey any bank that offer the personal loan.
To complete this task, we are required to collect three personal loan scheme
from different bank and find at least five different prices lists and brochures of laptop
with printer from any company. After that, we need make the comparison between the
personal loan schemes that are available and choose the best. We also need to do the
comparison between the prices lists of laptop and the printer.
Hence, we can select the laptop with printer that we want to buy from that
comparison that we have made. Then, we need to plan a monthly budget based on our
allowance provided. Thus, we need to compare all relevant information and prepare a
final report on how to choose the loan. We also must do some reflection that incude the
problems that we faces during the preparation of this task and how to overcome the
problems.
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Planning personal budget
Items Amount (RM)
Food (RM 5.50 per day) RM 5.5030 (1 month) RM 165.00
Transportation RM 15.00
Stationary RM 10.00
Fees RM 25.00
Others RM 40.00
Savings RM 20.00
Total RM 275.00
Monthly personal budget : RM 275.00
Allowance given for a month : RM 430.00
Balance in hand : Allowance given for a month monthly
personal budget
: RM 430.00 RM 275.00
: RM 155.00
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Pie chart for personal budget of a month
Explanation
As a trainee teacher, we have been given RM 430.00 as our allowance for every month.
In the mean time, we have to buy a laptop and a printer to do our assignments that have
been given from we lecturers. After calculated roughly we personal budget for a month,
we need to spend about RM 275.00 monthly. Thus, we only have RM 155.00 as the
balance from the allowance that we not used for our personal budget. So, it is not
enough for us to afford the laptop and the printer. So, we have to find out and choose
suitable personal loan from any local bank that will gives low interest rate and affordable
for us to make the repayment tenure. Below are the comparisons between three banks
that we have done our research on.
60%
5%
4%
9%
15%
7%
Sales
food
transportation
stationary
fees
others
savings
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Comparing and contrasting three personal loan scheme from three different bank
Details about three bank that we have survey
Bank Rakyat
CIMB Bank
Maybank
Bank Rakyat
Years MonthInterest rate
(%)
Loan amount (RM)
3000 5000
1 12 4.90 263 438
2 24 4.95 138 229
3 36 4.95 96 160
y Interest rate of 4.95% for 3 years
y Loan amount needed :RM 3,000
y
y (interest payment for three years)
y
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CIMB Bank
Years MonthInterest rate
(%)
Loan amount (RM)
3000 4000 5000
1 12 5.9 265 353 441
2 24 11.2 139 185 231
3 36 16.1 97 129 161
y Interest rate of 16.1% for 3 years
y Loan amount needed: RM3000
y
RM 483
y RM 483 X 3 = RM 1449 (interest payment for 3 year)
y
RM 123.58 (monthly installment to the bank)
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Maybank
Total financing
(RM)
2 Years 3 Years 4 Years
First
year
Subsequent
year
First
year
Subsequent
year
First
year
Subsequent
year
3000 138 141 97 101 76 81
4000 184 188 128 134 101 108
5000 230 235 160 168 126 134
Interest Rate
(%)11.6 19.1 27.3
y Interest rate of 19.1% for 3 years
y Loan amount needed : RM 3000
y
RM 573
y RM 573 X 3 = RM 1719 (interest payment for 3 years)
y
RM 131.08 (monthly installment to the bank)
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Differences personal loan between three local bank.
Bank
Differences
CIMB Bank Bank Rakyat Maybank Berhad
Financing amount From RM1,000 up
to RM150,000
From RM3,000
up to RM150,000
From RM3,000 up
to RM50,000
Interest rate 5.9% (1 years)
11.2% (2 years)
16.1% (3 years)
4.90 % (for 1
year)
4.95% (for 2nd to
3rd year)
First years :
8.88% p.a. on
monthly rest basis
Subsequent years
: 13.88% p.a. on
monthly rest basis
Guarantor No guarantor
needed
Needed if
applicant not
from government
or private servant
No guarantor is
required for
financing amount
which is less than
5 times applicants
monthly income
One guarantor is
required forfinancing amount
exceeding 5 times
applicants
monthly income
Guarantor must
have a fixed
income which
equals or more
than the applicant
Eligibility Age: 18-58 years
old*
Total monthly
Age: 18 years old
and do not
exceed 58 years
Between 18 and
58 years old
Minimum income
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payment inclusive
or fixed deduction
must not exceed
60% of monthly
income
Duration of
payment not
exceed 6-180
month
*copy of Appendix
A must be certified
by employer
old during the
end of time for
payment
Duration of
services:
Minimum 6
month
of RM1,000 per
month (inclusive
of fixed
allowances)
Confirmed staff
with at least 2
years service with
employer who is
listed on
Maybanks panel
(end financing)
Professionals
registered an
licensed under
Malaysian law.
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Decision
After made comparisons between three different bank i.e. CIMB Bank, Bank Rakyat
and Maybank, we would like to choose Bank Rakyat for us to make a personal loan
to buy laptop and printer that we are really need to finish up our assignment.
Why we did choose Bank Rakyat as a bank for us to make our personal loan?
We have chosen this bank because it offered lowest interest rate than other two banks.
Bank Rakyat just in charge 4.95% for 2 and 3 years payment. It was the lowest rate
compared to CIMB bank which is 11.2% for 2 years and 16.1% for 3 years. There is a
big difference between these two bank. Also, we just need to pay RM95.70 for monthly
installment to the bank for payment in 3 years. It just takes a small amount from our
allowance for a month, so it doesnt affect our daily budget. This personal loan is eligible
between 18 and 58 years old, so we can made personal loan from this bank. From our
observation, Bank Rakyat provides the lowest loan, which is only RM 3000 that really
fits our need. Compared to the other bank, its lowest loan, are RM 5000 that are too
much for us to buy printer and laptop. Bank Rakyat is the best bank that offered suitable
terms and conditions for us to make a personal loan.
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Comparison between prices list on brochure of five laptops.
PERSONALITY
Part Number ACER ASPIRE
4810T
COMPAQ
PRESARIO
C795TU
ACER ASPIRE
4736Z
ASUS U50VG TOSHIB
NB200-A101
Model
Promotion
Price
RM 2,399
(RM10624)
RM 2,320
(RM10924)
RM 4,536
(RM18924)
RM 3,399
(RM15024)
RM 1,699
(RM8524)
Remark Intel Core 2
Solo U3500
(1.4GHz, 3MB
Cache, 800MHz
FSB)
Intel Pentium
Dual Core
Processor
T2390
(1.86GHz, 1MB
L2 Cache,
533MHz FSB)
Intel
Pentium
Dual-Core
Processor
T4300
(2.GHz)
Intel
Centrino
Processor
Technology-
CoreTM 2 Duo
T6500
(2.1GHz)
Intel AtomTM
Processor
N280
(1.66GHz,
512KB L2
Cache,
667MHz FSB
Weight (kg) 2 kg 2.05 kg 2.3 kg 1.9 kg 1.18 kg
Window Genuine
Windows Vista
Home Premium
Windows
Vista Home
Basic
Windows
Vista Home
Basic
Genuine
Windows
Vista Home
Premium
Genuine
Windows XP
Home Editio
HDD/Memory 320GB SATA
HDD, 2GB
DDR3 800MHz
RAM (Max.
4GB)
1024MB
(667MHz) /
max to 2GB*
DDR2 (10241
pc)
1GB DDR3
RAM
(upgradeable
to 4GB)
250GB SATA
HDD, 2GB
RAM
(2G1)
160GB SATA
with shock
absorbers
HDD, 1GB
DDR2 SDRA
Screen 14 HD Acer
CineCrystal
15.4 TFT
WXGA High-
14 1366768
CineCrystal
15.6 HD Slim
(GL & LED)
10.1 Clear
Superview
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LED LCD
Screen
Definition
Widescreen
LCD Panel with
HP Brightview
Technology
TFT LCD Display LED Backlit
Screen
Warranty 1 year 2 years 3 year 1 year 1 year
Free Panasonic
Earphone
DOS Acer Bag - -
Other
facilities
DVD-RW
SuperMulti Dual
Layer Drive,
Realtek High
Definition Audic,
Webcam, Card
Reader,
Bluetooth.
Hard Disk Drive
160GB, DVD-
RW Double
Layer Drive,
Webcam,
Wireless
802.11b/g.
8X DVD Super
Multi Plus
Double Layer
Drive,
Webcam,
Wireless LAN,
Dolby-
optimised
surround
sound system.
Bluetooth,
1.3M Pixel
Webcam, Wi-
Fi 802.11
a/b/g/n,
8Super
Multi-Dual
Drive
Web-Camera
Bluetooth,
Hard Disk
Protection wit
Built-in 3D
Acceleromete
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Comparison between prices list on brochure of three printers.
Personality
Model CANON
Ip1980
CANON
MX308
EPSON
STYLUSTM T10
Promotion Price RM 188 RM 398 RM 250
Warranty 1 Year 1 Year 1 Year
Print Speed 21/17ppm 22/17 ppm 22/13 ppm
Resolution 48001200dpi 48001200dpi 57601440dpi
Other Facilities Easy-Photo Print EX Easy-Photo Print EX
MP Navigator EX
Omni page SE
Easy-web print
Laser sharpness
for high
resolution
document &
color printing
Extra high
capacity ink
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Laptop choosen
After we made a deeply analysis from our research on the comparison of five laptops,
we finally make a decision to choose a laptop from the model Acer Aspire 4810T. Here
are the criteria about the laptop that we had choosen :
Firstly, the promotion price of the laptop is quite reasonable for us. It is not toocheap but not too expensive. So, we can afford that laptop based on the monthly
allowance that we get.
Other than that, this laptop have a memory of 320GB compared to other laptops.
So, we can save many information, knowledges, software, files or assignment in this
laptop because it have big amount of memory compared to other four laptops.
Furthermore, the speed of this laptop is 2GB DDR3 800MHz RAM and the
maximum speed of the laptop is 4GB. So, we can access our programs in the laptops
easier and quicker rather than using other four laptops.
Besides, its weight is only 2 kg. So, we can bring it anywhere we want because it
is not too heavy to carry on. While buying the laptops, we also can get Panasonic
earphone as the free gift.
Lastly, it have many specialities or facilities that will benefit to us such as DVD-
RW SuperMulti Dual Layer Drive, Realtek High Definition Audic, Webcam, Card
Reader, Bluetooth and so on. We can use the DVD-RW SuperMulti Dual Layer Drive to
present our work in the form of movie and we may take many picture of us by using the
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webcam. We also can use the webcam for video chatting with our friend and family. The
Bluetooth devices will able us to sharing our photo and video in easier way without
using any USB port. So the laptop that we have choosen will more functionable and
suitable for us to use as a trainee teacher.
Printer choosen
After looking and analyzing the comparison between three printers that we got
from the brochures, finally we decided to choose Canon printer Ip 1980 as the best
choice.
Firstly, we choose that printer because of the price that are very reasonable and
cheapest compared to other two printers that we choose in the brochure. It just cost RM
188.00. We are very sure that we can afford that printer because of the reasonable
price based on our monthly allowance that we get.
Other benefit that we get if we buy that printer is it does have the Easy-Photo
Print EX software. So, we can print the pictures or photos that we include it in our
assignments in a good quality and easy.
Furthermore, this printer have enough high resolution of printing which is
48001200dpi. So, it will print any forms of assignments in a good condition.
Other benefit that we can get is the Canon printer can print speed 21/17ppm
mono compared to other printer. So, this printer that we have choosen is the most
suitable printer for us as a trainee teacher.
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General Budget/General Calculation
The price of the laptop and the printer is about :
Laptops price Printers price : RM 2399.00 RM 188.00
: RM 2587.00
Money from the personal loan : RM 3000.00
Balance from the purchase : RM 3000.00 RM2587.00
: RM 413.00
So, based on the general budget or general calculation, the balance money that we will
have after purchasing the laptop and the printer is RM 413.00. The balance money from
the purchasing can we used to buy the printer ink and the balance from the purchasing
of the printer ink will be save as our savings. The printer ink just cost only RM 120 so,
we still have amount of RM 293.00 as our savings.
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Self reflection
By: Farina Natasha Binti Hafizi
Identity card num: 910404-11-5000
On my way to finish up the task given, I have faced too many problems. One of
the problems is a miscommunication. Our unit was the last unit that arrived at lecturer
hall to get the briefing about this task. When we arrived, the briefing given was at the
middle. What have I understand at the first, the task need us to find a loan from more
than three banks to buy a laptop and printer, then make a comparisons. So, after the
briefing was mid semester break and I have used free time that I have to go to many
banks to make loan to buy a laptop but theres no bank that offered that service except
Bank Rakyat. After holiday, we still dont get the task paper so we still dont know that
we were miscommunications.
After got the task paper, I realize that I was miscommunication and the task
should be finished in a week. At that time, I still dont have any brochures and
information about personal loan not laptop loan. I take my time in weekdays to search
all about laptop, printer and personal loan. I have cooperated with my partner to search
for it. Luckily my house not too far from this institute so, I got some help from my parent.
I have travelled from Jerteh then to Kota Bharu to search information about laptop and
printer.
After got the information, I have faced some problem to calculating. To overcome
this problem, I asked some help from senior and also from my friends and family
members.
During the process to complete this assignment, I have got many benefits. One
of them are, I am able to do my work by my own so that, I can upgrade my confident
when facing something that really dare. Furthermore, I did this task in pressure
condition because at the same time, theres a lot of task I receive. But, this condition
practice me to control the situation and be systematically in finished work.
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Self Reflection
By Siti Qurratul Aini Ulfa binti Rodin Jaya
I/c No: 910606-03-6028
Assalamualaikum.
After spending a period of time doing this coursework project, I have
defined a problem that I faced which is about how to make our personal budget
and how to organize our financial. To overcome this problem, I went to the
local banks in the city and there, I got briefly explanation and more information
from the financial officer of the bank. So, I can plan my personal budget wisely
and can make a brightly decision about which bank that can give me low
interest rate from their personal loan provided. From that, I may acknowledge
my mind on how to calculate the interest rate regarding the financial.
Furthermore, I also faced a problem on how to print out my coursework.
This is because we do not have a printer to print out the coursework. So, that is
the most important reason why we must do this assignment on buying a laptop
and a printer. To overcome this problem, I went to my friends room that have a
printer and get a helps of her on printing this coursework.
The limitation of internet connection also give me a big problem. This is
because, it turn me into a hard way on finding some references about laptop
and printer brochure. But, luckily I can overcome this problem by using a
broadband and surved the information using my friends laptop.
Although I have faced many difficulties but I am very thankful because
this coursework had taught me lots about making the best choice in buying or
purchasing something. Other than that, I also can add or plus my mind
information center about personal loan and brochure about laptop and printer.
Thank you.
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BORANG REKOD KOLABORASI KERJA KURSUS
INSTITUT PENDIDIKAN GURU MALAYSIA
KAMPUS SULTAN MIZAN,
KG RAJA, BESUT TERENGGANU
NAMA PELAJAR : SITI QURRATUL AINI ULFA BINTI RODIN JAYA.
: FARINA NATASHA HAFIZI
UNIT : SAINS PPISMP
SEMESTER : 1
SUBJEK : BASIC MATHEMATICS
NAMA PENSYARAH : EN.ANUAR AB.RAZAK
NO. TARIKH PERKARA KOMEN TANDATANGAN
1
2
3
4
56
7
8
9
10
11
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APPENDIX