asgment math sem 1 ppismp

8/14/2019 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 : 30 th August 2009 13 th SEPTEMBER 2009

(2 WEEKS)

Admission


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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


3/23


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Index Page Number

Admission page 1Appreciation 3Introduction 4

Planning personal budget 6Comparing 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 19Reflection 1 20Reflection 2 21

Appendix

Assalamualaikum and a very pleasure moment.


5/23

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 alsowants 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.


6/23

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.

Planning personal budget

Items Amount (RM)Food (RM 5.50 per day) RM 5.50 30 (1 month) = RM 165.00

Transportation RM 15.00Stationary RM 10.00

Fees RM 25.00Others RM 40.00

Savings RM 20.00


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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 monthlypersonal budjet

: RM 430.00 RM 275.00

: RM 155.00

P ie chart for personal budg et 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


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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.

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 4382 24 4.95 138 2293 36 4.95 96 160

Interest rate of 4.95% for 3 years Loan amount needed :RM 3,000 4.95100x 3,000=RM 148.50

RM148.50 X 3= RM 445.50 (interest payment for three years) RM 445.50+RM 300036=RM 95.70 (monthly installment to the bank )


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CIMB Bank

Years MonthInterest rate

(%)

Loan amount (RM)3000 4000 5000

1 12 5.9 265 353 4412 24 11.2 139 185 2313 36 16.1 97 129 161

Interest rate of 16.1% for 3 years Loan amount needed: RM3000 16.1100RM3,000= RM 483 RM 483 X 3 = RM 1449 (interest payment for 3 year) RM 1449+RM 300036= RM 123.58 (monthly installment to the bank)


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Maybank

Total financing

(RM)

2 Years 3 Years 4 Years

Firstyear

Subsequentyear

Firstyear

Subsequentyear

Firstyear

Subsequentyear

3000 138 141 97 101 76 814000 184 188 128 134 101 1085000 230 235 160 168 126 134

Interest Rate

(%)11.6 19.1 27.3

Interest rate of 19.1% for 3 years

Loan amount needed : RM 3000 19.1100RM3000= RM 573 RM 573 X 3 = RM 1719 (interest payment for 3 years) RM 1719+RM 3000100= RM 131.08 (monthly installment to the bank)

Differences personal loan between three local bank.

Bank CIMB Bank Bank Rakyat Maybank Berhad


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DifferencesFinancing 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 2 nd

to 3 rd year)

First years :

8.88% p.a. on

monthly rest

basis

Subsequent

years :

13.88% p.a.

on monthlyrest 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

applicantsmonthly

income

One guarantor

is required for

financing

amount

exceeding 5

times

applicants

monthly

income

Guarantor


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must have a

fixed income

which equals

or more than

the applicantEligibility Age: 18-58

years old*

Total monthly

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

Age: 18

years old and

do not

exceed 58

years old

during the

end of time

for payment

Duration of

services:

Minimum 6

month

Between 18

and 58 years

old

Minimum

income of

RM1,000 per

month

(inclusive of

fixed

allowances)

Confirmed

staff with at

least 2 years

service with

employer whois listed on

Maybanks

panel (end

financing)

Professionals

registered an

licensed under

Malaysian law.


13/23

DecisionAfter 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 price s list on brochure of five laptops .

PERSONALITYPart Number ACER ASPIRE

4810T

COMPAQ

PRESARIO

C795TU

ACER ASPIRE

4736Z

ASUS U50VG TOSHIBA

NB200-A101

Model

PromotionPrice

RM 2,399(RM106 24)

RM 2,320(RM109 24)

RM 4,536(RM189 24)

RM 3,399(RM150 24)

RM 1,699(RM85 24)

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-

Core TM 2 Duo

T6500

(2.1GHz)

Intel Atom TM

Processor

N280

(1.66GHz,

512KB L2

Cache,

667MHz FSB)Weight (kg) 2 kg 2.05 kg 2.3 kg 1.9 kg 1.18 kgWindow Genuine

Windows Vista

Home Premium

Windows Vista

Home Basic

Windows

Vista Home

Basic

Genuine

Windows

Vista Home

Premium

Genuine

Windows XP

Home Edition

HDD/Memory 320GB SATA 1024MB 1GB DDR3 250GB SATA 160GB SATA


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HDD, 2GB

DDR3 800MHz

RAM (Max.

4GB)

(667MHz) /

max to 2GB*

DDR2 (1024 1

pc)

RAM

(upgradeable

to 4GB)

HDD, 2GB

RAM

(2G 1)

with shock

absorbers

HDD, 1GB

DDR2 SDRAM

Screen 14 HD Acer CineCrystal

LED LCD

Screen

15.4 TFTWXGA High-

Definition

Widescreen

LCD Panel with

HP Brightview

Technology

14 1366 768CineCrystal

TFT LCD

15.6 HD Slim(GL & LED)

Display

10.1 Clear Superview

LED Backlit

Screen

Warranty 1 year 2 years 3 year 1 year 1 year

Free PanasonicEarphone

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 with

Built-in 3D

Accelerometer


16/23

Comparison between prices list on brochure of three printers.

PersonalityModel CANON

Ip1980

CANON

MX308

EPSON

STYLUS TM T10

Promotion Price RM 188 RM 398 RM 250Warranty 1 Year 1 Year 1 Year

Print Speed 21/17ppm 22/17 ppm 22/13 ppmResolution 4800 1200dpi 4800 1200dpi 5760 1440dpi

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


17/23

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 too

cheap 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 themaximum 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

webcam. We also can use the webcam for video chatting with our friend and family. The


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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

4800 1200dpi. 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.

General Budget/General Calculation


19/23

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.

Self reflection

By: Farina Natasha Binti Hafizi

Identity card num: 910404-11-5000


20/23

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 andinformation 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.

Self Reflection

By Siti Qurratul Aini Ulfa binti Rodin Jaya

I/c No: 910606-03-6028


21/23

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. Toovercome 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 purchasingsomething. Other than that, I also can add or plus my mind information center about

personal loan and brochure about laptop and printer. Thank you.

BORANG REKOD KOLABORASI KERJA KURSUS

INSTITUT PENDIDIKAN GURU MALAYSIA

KAMPUS SULTAN MIZAN,

KG RAJA, BESUT TERENGGANU


22/23

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 TANDATANGAN12345

6789

1011


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APPENDIX

asgment math sem 1 ppismp

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