Asgment Math Sem 1 Ppismp

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}

LECTURER’S NAME

:

EN ANUAR AB.RAZAK

PERIOD

:

30th August 2009 – 13th SEPTEMBER 2009 (2 WEEK’S) 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:

Signature

:

(___________________)

(_________________)

FARINA NATASHA HAFIZI

SITI QURRATUL AINI ULFA BINTI

910404-11-5000

RODIN JAYA 910606-03-6028

Index

Page Number

Admission page Appreciation Introduction Planning personal budget Comparing and contrasting three personal

1 3 4 6 8

loan scheme from three different bank Comparison between price’s list on

14

brochure of five laptops. Comparison between price’s list on

16

brochure of three printers. General Budget/General Calculation Reflection 1 Reflection 2 Appendix

Assalamualaikum and a very pleasure moment.

19 20 21

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.

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 price’s 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 price’s 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 Food (RM 5.50 per day) Transportation Stationary Fees Others Savings

Amount (RM) RM 5.50×30 (1 month) = RM 165.00 RM 15.00 RM 10.00 RM 25.00 RM 40.00 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 budjet

:

RM 430.00 – RM 275.00

:

RM 155.00

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.

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

Month

1 2 3

12 24 36

Interest rate (%) 4.90 4.95 4.95

Loan amount (RM) 3000 5000 263 438 138 229 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 )

CIMB Bank Years

Month

1 2 3

12 24 36

Interest rate (%) 5.9 11.2 16.1

Loan amount (RM) 3000 4000 5000 265 353 441 139 185 231 97 129 161

•

Interest rate of 16.1% for 3 years

•

Loan amount needed: RM3000

•

16.1100×RM3,000= 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)

Maybank Total financing (RM) 3000 4000 5000 Interest Rate (%)

2 Years First Subsequent

3 Years First Subsequent

4 Years First Subsequent

year 138 184 230

year 97 128 160

year 76 101 126

year 141 188 235 11.6

year 101 134 168 19.1

year 81 108 134 27.3

•

Interest rate of 19.1% for 3 years

•

Loan amount needed : RM 3000

•

19.1100×RM3000= 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

Differences Financing amount

Interest rate

From RM1,000

From

From

up to

RM3,000 up

RM3,000 up to

RM150,000

to

RM50,000

5.9% (1

RM150,000 4.90 % (for 1

First years :

years)

year)

8.88% p.a. on

11.2% (2

4.95% (for 2nd

monthly rest

years)

to 3rd year)

basis

16.1% (3

Subsequent

years)

years : 13.88% p.a. on monthly

Guarantor

No guarantor

Needed if

rest basis No guarantor

needed

applicant not

is required for

from

financing

government

amount which

or private

is less than 5

servant

times applicant’s monthly income One guarantor is required for financing amount exceeding 5 times applicant’s monthly income Guarantor

must have a fixed income which equals or more than Eligibility

Age: 18-58

Age: 18

the applicant Between 18

years old*

years old and

and 58 years

Total monthly

do not

old

payment

exceed 58

Minimum

inclusive or

years old

income of

fixed deduction

during the

RM1,000 per

must not

end of time

month

exceed 60% of

for payment

(inclusive of

monthly

Duration of

fixed

income

services:

allowances)

Duration of

Minimum 6

Confirmed

payment not

month

staff with at

exceed 6-180

least 2 years

month

service with

*copy of

employer who

Appendix A

is listed on

must be

Maybank’s

certified by

panel (end

employer

financing) Professionals registered an licensed under Malaysian law.

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 doesn’t 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.

Comparison between price’s list on brochure of five laptops.

Part Number

ACER ASPIRE 4810T

PERSONALITY COMPAQ ACER ASPIRE PRESARIO

ASUS U50VG

4736Z

TOSHIBA NB200-A101

C795TU Model

Promotion

RM 2,399

RM 2,320

RM 4,536

RM 3,399

RM 1,699

Price Remark

(RM106×24) Intel Core 2

(RM109×24) Intel® Pentium®

(RM189×24) Intel® Pentium®

(RM150×24) Intel®

(RM85×24) Intel® AtomTM

Solo U3500

Dual Core

Dual-Core

Centrino®

Processor

(1.4GHz, 3MB

Processor

Processor

Processor

N280

Cache, 800MHz

T2390

T4300

Technology-

(1.66GHz,

FSB)

(1.86GHz, 1MB

(2.GHz)

CoreTM 2 Duo

512KB L2

L2 Cache,

T6500

Cache,

2 kg Genuine

533MHz FSB) 2.05 kg Windows Vista®

2.3 kg Windows

(2.1GHz) 1.9 kg Genuine

667MHz FSB) 1.18 kg Genuine

Windows Vista

Home Basic

Vista® Home

Windows

Windows® XP

Basic

Vista® Home

Home Edition

1GB DDR3

Premium 250GB SATA

160GB SATA

Weight (kg) Window

Home Premium HDD/Memory

320GB SATA

1024MB

Screen

HDD, 2GB

(667MHz) /

RAM

HDD, 2GB

with shock

DDR3 800MHz

max to 2GB*

(upgradeable

RAM

absorbers

RAM (Max.

DDR2 (1024×1

to 4GB)

(2G×1)

HDD, 1GB

4GB) 14” HD Acer

pc) 15.4” TFT

14” 1366×768

15.6” HD Slim

DDR2 SDRAM 10.1” Clear

CineCrystal

WXGA High-

CineCrystal

(GL & LED)

Superview

LED LCD

Definition

TFT LCD

Display

LED Backlit

Screen

Widescreen

Screen

LCD Panel with HP Brightview Warranty Free

1 year Panasonic

Technology 2 years DOS

3 year Acer Bag

1 year -

1 year -

Other

Earphone DVD-RW

Hard Disk Drive

8X DVD Super

Bluetooth,

Web-Camera,

facilities

SuperMulti Dual

160GB, DVD-

Multi Plus

1.3M Pixel

Bluetooth,

Layer Drive,

RW Double

Double Layer

Webcam, Wi-

Hard Disk

Realtek High

Layer Drive,

Drive,

Fi 802.11

Protection with

Definition Audic,

Webcam,

Webcam,

a/b/g/n,

Built-in 3D

Webcam, Card

Wireless

Wireless LAN,

8×Super Multi-

Accelerometer

Reader,

802.11b/g.

Dolby®-

Dual Drive

Bluetooth.

optimised surround sound system.

Comparison between price’s list on brochure of three printers. Personality Model

Promotion Price Warranty Print Speed Resolution Other Facilities

CANON

CANON

EPSON

Ip1980

MX308

STYLUSTM T10

RM 188 1 Year 21/17ppm 4800×1200dpi Easy-Photo Print EX

RM 398 1 Year 22/17 ppm 4800×1200dpi Easy-Photo Print EX

RM 250 1 Year 22/13 ppm 5760×1440dpi Laser sharpness

MP Navigator EX

for high

Omni page SE

resolution

Easy-web print

document & color printing Extra high capacity ink

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 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 DVDRW 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

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

The price of the laptop and the printer is about : Laptop’s price + Printer’s 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

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 there’s no bank that offered that service except Bank Rakyat. After holiday, we still don’t get the task paper so we still don’t 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 don’t 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, there’s 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

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 friend’s 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.

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 : NO. 1 2 3 4 5 6 7 8 9 10 11

TARIKH

EN.ANUAR AB.RAZAK PERKARA

KOMEN

TANDATANGAN

APPENDIX