INSTITUT PENDIDIKAN GURU MALAYSIA KAMPUS SULTAN MIZAN, BESUT,

TERENGGANU

NUMERICAL LITERACY

NAME

MOHD SYAHIDAN ABD AZIZ

I/C NUMBER

900327115517

NAME

MOHD KHAIRIL RIDZUAN BIN ABDUL MOLOK

I/C NUMBER

901015065877

NAME

MOHD IKHWAN BIN ZAWAWI

I/C NUMBER

910520036019

UNIT

PPISMP SEMESTER 1 (RBT 1)

NAMA PENSYARAH

MADAM WAN HASPINAH BINTI WAN HUSIN

TARIKH SERAHAN

: 13 SEPTEMBER 2009

1. ADMITION PAGE

We admit this short course work is ours except for the facts that
stated from other sources

SIGNATURE

:..........................................................

NAME

MOHD SYAHIDAN ABD AZIZ

I/C NUMBER

900327115517

SIGNATURE

:..........................................................

NAME

MOHD KHAIRIL RIDZUAN BIN ABDUL MOLOK

I/C NUMBER

901015065877

SIGNATURE

:..........................................................

NAME

MOHD IKHWAN BIN ZAWAWI

I/C NUMBER

910520036019

NUMERICAL LITERACY

BASIC MATHEMATICS
MATHEMATIC DEPARTMENT
INSTITUT PENDIDIKAN GURU MALAYSIA KAMPUS SULTAN MIZAN, BESUT,
TERENGGANU

II

3. APPRECIATION
Alhamdulillah, we are so gratefull to Allah S.W.T for giving us the chance to
complete this short coursework for basic mathematics.

We would also like to thank our Basic Mathematics lecturer, Madam Wan
Haspinah binti Wan Husin because have helped us a lot in order to do this short
coursework. We also want to thank and give our appreciation to our parents and
friends who helped us during writing this short coursework.

We hope that this assignment will be usefull to us and others in future.

Thank you.

III

4. CONTENT

1. ADMITION PAGE

2. TITLE PAGE

II

3. APPRECIATION

III

4. CONTENT PAGE

IV

5.TASK

6. REPORT
6.1. PERSONAL LOAN

6.2. PESONAL BUDGET

6.3. MONTHLY EXPENSES

6.4. LAPTOP MODELS

6.5. LAPTOPS COMPARISONS

6.6. PRINTER MODELS

6.7. PRINTERS COMPARISONS

6.8. BANKS LOAN

6.9. BANKS LOAN COMPARISONS

7.REFLECTION

14

8. BIBLIOGRAPHY

15

IV

5. TASK
As a trainee teacher, you are given a lot of assignments to enhance and
cultivate your knowledge in education. You realize that you must have a
computer with a printer to do your assignments. You are suggested to buy a
laptop with the printer through a personal loan which available from any local
bank. To get the relevant information, you can visit any bank that offer the loan.

I.

Collect three personal loan schemes from differnt bank.

II.

Get at least five differences of the prices lists and brochures of laptop with
printer from any company.

III.

Compare and contrast the various personal loan schemes which are
available and choose the best.

IV.

Select the laptop with printer that you want to buy and plan a monthly
budget based on your allowance.

V.

Compare all relevant information and prepare a final report on how you
choose the loan.

VI.

Make a self reflection. The reflection must include the problems you faced
during preparation of this task and how you overcome them.

1
6. REPORT

6.1.PERSONAL LOAN
We had done some observation at some of bank and finance intitutions. From this
process, we had a lot of information about personal loan that we are going to
choose. There is the detail about the four bank that we went for reseacrh:

CIMB Bank
Bank Simpanan Nasional
Bank Rakyat

6.2. PERSONAL BUDGET

My allowance = RM 430.00
TOTAL ALLOWANCE = RM 430
6.3.MONTHLY EXPENSES

Monthly allowance

RM 430.00

Monthly Expensess
Saving
Food and Drink

RM 20.00
RM 150.00

Totally

RM 260.00

Balance = monthly allowance monthly expensess

= RM 430.00 RM 170.00
= RM 260.00
My Budget RM 260.00

3
6.4. LAPTOP MODELS

NAME

ACER

ACER

DELL

HP

TOSHIBA

5935G-

4736-

LATITUDE

PAVILLION

L310-P412

862G50

654G32

E5400

DV21003/07

CPU

Intel core 2

INTEL

INTEL

AMD

INTEL DUO

duo

CORE 2

CORE 2

ATHLON

CORE

processor

DUO

DUO

NEO MV 40 T3400

p8600

PROCESS

PROCESS

OR T6500

OR P8600

SPEED

2.4GHz

2.1GHz

2.40GHz

1.6GHz

2.16GHz

RAM

2GB DDR3

2GB DDR2

1GB DDR2

2 GB DDR2

1GB DDR2

HDD

500GB

320GB

160GB

320GB

160GB

14

14.1

14

14.1

SATA
SCREEN

15.6

GRAPHIC

NVIDIA

ATI

GeForce

RADIAN

130M GT

3410
GRAPHICS

BATT

3 HOURS

3 HOURS

3 HOURS

4 HOURS

5 HOURS

OS

WINDOWS

WINDOWS

WINDOWS

WINDOWS

WINDOWS

VISTA

VISTA

VISTA

VISTA

VISTA

HOME

HOME

BUSINESS

PREMIUM

BASIC

PREMIUM

PREMIUM

YES

YES

YES

NO

NO

INTEGRAT

INTEGRAT 4 NO

INTEGRAT

INTEGRAT

ED ACER

ED ACER

ED

ED

CRYSTAL

CRYSTAL

WEBCAM

WEBCAM

EYE

EYE HIGH-

WEBCAM

DEF

BLUETOO
TH
CAM

WEBCAM
WARRANT

1 YEAR

1 YEAR

3 YEARS

1 YEAR

1 YEAR

PRICE(RM

3999.00

2299.00

3600.00

2399.00

1999.00

6.5. LAPTOPS COMPARISON

We have choose laptop Aspire 4736 G. This is because this laptop is the
cheapest among the other laptops that we have compare. The price is RM2299.
the RAM also is the highest than other laptop that is 4GB DDR2. Otherwise, the
memory of the hard disk drive is big that is 320GB. This laptop also big which is
14 HD LED. The operating system is Vista Prem. The graphic of the Vista Prem
show high quality picture. Lastly, although the price is the cheapest, it has the
same period of waranty which is 1 year.

5
6.6. PRINTER MODELS

Specification
Model

HP LaserJet

SAMSUNG CLX-

SAMSUNG SCX-

CP1215

3175FN

4521F

RM1,199.00

RM 1,620.00

RM 799.00

Print speed

12ppm(A4)

16ppm (A4)

20ppm (A4)

Resolution

HP ImageREt 2400 2400 x 600 dpi

600 x 600 dpi

Paper Inputs

250 sheets

150 Sheets

150 sheets

Paper Outputs

100 sheets

100 Sheets

100 sheets

Interface

USB 2.0

USB Interface

USB 2.0 Hi-Speed

Memory

Uses PC memory

128Mb

16Mb

Weight

Approx. 5.0kg

Approx. 6.5kg (excl. Approx. 5.4kg

Recommended
Retail Price
* Street price varies

6toner cartridge)

6.7. PRINTER COMPARISON

We have studied the printers brochures. After making the
comparisons, we decided to choose printer SAMSUNG SCX-4521F as the
recommended price which is RM799 is very reasonable for us. Even this printer is
quite cheap than the others two printers above, but its also has the best qualities
such as the high quality monochrome prints; equivalent to 600 x 600 resolution,so
that, the text will be easier to read and clearly defined charts and diagrams.
Cosequently, our assignment will be look well and can be read easily.
Besides that, SAMSUNG CLX-3175FN also will give a greater print
speed with zero warm up time. SAMSUNGs On Demand Fixing Technology
enables 16 pages per minute (16ppm) and the first print out ready in just 9.3
second or less. Even though this products efficiency with a print rate of 16 pages
per minute, small quantities than the SAMSUNG SCX-4521F, but this product is
the most compact laser printer as it provide the jam-free system; the shorter Ushaped paper path enables the efficiency of printing operations. So that, the
process will be faster.
Other than that, we also love its gorgeous and stylish body. It is so
cute for us. Moreover, this printer also is smaller and lighter, so that we can carry it
easily, especially when we want to bring it home during the vacation.
The HP LaserJet CP1215 is an extraordinary printer. It has many
other functions that the other two printers doesnt have such as scanning,
Photostat and facsimiles. But the price is too high and the print speed is only 12
papers per minute.
Last of all, we want to stress once again that we will buy the
SAMSUNG SCX-4521F printer as it has so many interesting features.

6.8. BANK LOANS

BANK RAKYAT

7
BANK SIMPANAN NASIONAL

CIMB BANK

Advantages
- Profit margin as low as
3.5% a year (depends to the
loan duration)
- Instalment per month is

Advantages
- Without guarantor
- without any 3 months loan

Advantages
- Without guarantor
- Free from high interest and

down payment
- rebate will be given for any

economical charge
- Assurance per month is low

early payment
- 24 hours life insurance are

low

provided
-Al Taslif credit card/master/visa
are provided ( applicant salary
more than RM 1,500)
Profit rate :
- 3.50% p.a on monthly rest

Profit rate :
- 5.0% p.a on monthly rest basic

basic

Profit rate :
- 4.99% p.a on monthly rest
basic

Financing amount
- Maximum of

Financing amount
- Maximum of RM150,000.00

Financing amount
- Maximum of RM150,000.00

Eligibility
- Between 19 58 years for the

Eligibility
- Applicant must be 18-58

goverment servants
- Financing amount from

years for goverment servants

- Malaysian citizen

RM150,000.00
Eligibility
- Between 18 58 years old
- Loan payment until 15
years
- Without a guarantor

RM 1,000 min until

RM150,000 max.

6.9. BANK LOANS COMPARISONS

BANK RAKYAT
Laptop model
Year of payment
Price of laptop

= Aspire 4736 G
= 1 years
= RM 2299.00

Price of printer
Total price

= RM 799.00
=RM3098.00

Loan interest rate ( % p.a ) = 3.50%

Price of laptop with printer x loan interest rate x year of payment
Interest amount = RM 3098.00x3.50 x 5
100
= RM 542.15
Interest amount + price of laptop with printer
= RM 542.15+ RM 3098.00
= RM 3640.15
Loan term ( ma x 60 months ) = 60 months ( 5 years )
Monthly installment = loan amount
Loan term
9
= RM 3640.15
60
= RM 60.67
I need to pay a monthly installment of RM 60.67 per month.
BANK SIMPANAN NASIONAL
Laptop model
Year of payment
Price of laptop
Price of printer
Total price

= Aspire 4736 G
= 1 years
= RM 2299.00
= RM 799.00
=RM 3098.00

Loan interest rate ( % p.a ) = 5.0%

Price of laptop with printer x loan interest rate x year of payment
Interest amount = RM 3098.00 x 5.0 x 5
100
= RM 774.50
Interest amount + price of laptop with printer
= RM 774.50 + RM 3098.00
= RM 3872.50
Loan term ( ma x 60 months ) = 60 months (5 years)
Monthly installment = loan amount
Loan term
= RM 3872.50
60
= RM 64.54
10

I need to pay a monthly installment of RM 64.54 per month.

CIMB
Laptop model
Year of payment
Price of laptop
Price of printer
Total price

= Aspire 4736 G
= 1 years
= RM 2299.00
= RM 799.00
=RM 3098.00

Loan interest rate ( % p.a ) = 4.99%

Price of laptop with printer x loan interest rate x year of payment
Interest amount = RM 3098.00 x 4.99 x 5
100
= RM 772.95

Interest amount + Price of laptop with printer

= RM 772.95 + 3098.00
= RM 3870.95
Loan term (ma x 60 months ) = 60months (5 years)
Monthly installment = loan amount
Loan term
= RM 3870.95
60
= RM 64.52
I need to pay a monthly installment of RM64.52 per month.
11
We have studied a lot about the three loans from CIMB, Bank Rakyat and
BANK SIMPANAN NASIONAL. So that, after making a lot of observations and
comparisons, we decide to choose the financing loan from Bank Rakyat because it can
give us a lot of benefits such as the long duration of the loan payment until 15 years.
Besides that, Bank Rakyat also allow their customers to make a loan until RM150,000
with a quite interesting profit rate, only 3.5% per annum on the monthly rest basic.
Besides that, this offer really make us feel happy as our budget are
merely RM205, so that, the monthly instalment which is only RM60.67 will be so

affordable for us and the assurance per month is low. Furthermore, our home is just a
stone throw away from the Bank Rakyat, as we live near the city. So that, it is easy for
us to make the instalment without taking any much time to reach the place.
Moreover, we can apply the loan without any guarantor, and this will make
the process become easier. The applicant who are between 18 until 58 years old are
qualified to apply the loan. So that, three of us will be qualified to apply the personal
loan from Bank Rakyat.
However, BANK SIMPANAN NASIONAL also will give a lot of
advantages to their customer. For example, BSN provide us a lot of benefits such as no
guarantor is required, free from any three months loan assurance, rebate will be given
for any early payment, 24 hours life insurance are provided for the applicant, and Al
Taslif credit card/master/visa are provided to applicants who get the monthly salary
more than RM1,500.
CIMB Bank also will give us a lot of advantages if we make personal loan
with their company. For example, no guarantor is provided, free from high interest rates
and economical charge, and the assurance per month is low. Moreover, CIMB also will
provide us the long duration of the loan assurance until 15 years.
12 and CIMB Bank will gives us a lot of
Even BANK SIMPANAN NASIONAL
benefits through their loan services, but their profit rate are quite high rather than Bank
Rakyat. Lastly, we also can save our monthly budget as the assurance per month is
low. So that, we want to stress once again that Bank Rakyat is the best financial
institution for us to make the personal loan.

7. REFLECTION
We have done this assignment successfully
13 with our effort and some help from our
friends.
As trainee teachers, we are given a lot of assignments to enhance and cultivate
our knowledge in education. We realize that we must have computers with printers
to do our assignments. We suggested to buy laptops with the printer through a
personal loan which available from some banks near our campus. Coincidently, we
are given a task to make a personal loan from a local bank in order to buy a laptop
and printer.
During we carried out this assignment, we faced some problems. First of all, we
have to do survey what the most suitable laptop for us to buy. We went to many
computer shops and look for the brochures about laptop. After that we need to
compare the best laptop to choose. Secondly, we went to some banks to ask
about the banks personal loan. We also need to compare what is the best
personal loan that have lowest interest . Lastly , we have problems during making
report because we do not know exactly how to write the report well.
After we finished this assignment, we have knew how to make a loan and how
to choose goods wisely. We hope that this knowledge will be useful and help us in
the future.

8. BIBLIOGRAPHY
14
1. Bank SImpanan Nasional, Cawangan Jerteh, Terengganu
2. CIMB Bank, KBmall, Kota Bharu, Kelantan
3.Bank Rakyat, Cawangan Jerteh, Terengganu
4.KB Mall Shopping Complex, Kota Bharu, Kelantan
5. Acer Store, Cawangan Jerteh, Terengganu

15