TUGASAN KURSUS PENDEK PROGRAM PERSEDIAAN IJAZAH SARJANA MUDA PERGURUAN KEMAHIRAN GENERIK: MATEMATIK TAKSIRAN

NAMA :CHAN YI MIN NG KIT YIN 910404-07-5598 910411-08-5794

TAN YUAN FENG 910426-02-5938 KUMPULAN PENSYARAH TARIKH PENGHANTARAN: 5 OKTOBER 2009 : PPISMP BC/PJ/KS(KUMPULAN1) : ENCIK BUSTAM DAMAN

CONTENT
No . Content Page(s)

1 Acknowledgement 2 Action Plan ( Gannt Chart) 3 Monthly Budget Proposal 4 Compare and Contrast of the Cars Loan 5 Recommendation

6 References 7 Reflections 8 Bibliography 9 Collaboration forms

ACKNOWLEDGEMENT
First of all,we would like to thank to our lecturer,MR.BUSDTAM DAMAN for guiding us to complete the coursework.When we received the coursework,is very hard for us to understand what should we searched for the information.MR.BUSTAM had discussed with us the ways to search the informations of car loans,house loans and budgeting.According to the informations,we finally complete the coursework.

We were also thanks to our classmates for helping us to complete the coursework.Some of them shared their information with us and teached us the method of calculating the budgeting, and the car loans.

Finally,we thank for our group members for successfully complete this coursework.We had learned that cooperate and helping each other is very important for completing thiscoursework.

Action Plan
Gannt Chart
Week Subject 1.Receive the task 2.Discuss the task wit lecturer 3.Discuss the task with the group members 4.Discuss the task with friends 5.Searching the information 6. Find the problem 7.Discuss the budgeting 8.Calculate the budget 9.Survey the car loan 10. Survey the bank loan 11.Compare and contrast the car loan

Week 1

Week 2 Week 3 Week 4

12.Exchange opinion with friends 13.Make suitable decision and recommendation 14.Manage and arrange the work 15.Binding the work 16.Submit to the teacher

MONTHLY BUDGET PROPOSAL Rahim monthlys salary is RM 3100 Monthly Expenditure is RM400 No. Salary Expenditure RM3100 RM 400

Saving 10%

3100x10% =RM 310

2 3 4 5 6 7

Rent (house) Fuel Entertainment Food Expenditure Daily use Total

RM350 RM 290 RM 300 RM 300 RM 300 RM 250 RM2500 RM 3100-RM 2500 = RM 600

Balance

PIE CHART

COMPARE AND CONTRAST FOR THE CAR LOAN

COMPARE AND CONTRAST

KENARI 1000 EZ (Aero) Metallic Loan (RM) 44633.70 44633.70 Deposit (RM) 0 0 4.05% 4.05% Interest Rate Duration (years) 7 9

INTEREST RATE ( %) = 4.05%

INTEREST RATE ( %) = 4.05%

DURATION ( YEAR ) = 7

DURATION ( YEAR ) = 9

INTEREST :

INTEREST :

RM 44633.70 x 4.05% x 7 years

RM 44633.70 x 4.05% x 9 years

= RM 12653.65

= RM 16268.73

REAL PRICE (INCLUDED INTEREST): REAL PRICE (INCLUDED INTEREST):

RM 44633.70+ RM 12653.65

RM 44633.70 + RM 16268.73

= RM 57287.35

= RM 60902.43

MONTHLY INSTALMENTS:

MONTHLY INSTALMENTS:

RM 57287.35 (12 Months x 7 Years )

RM 60902.43 ( 12 Months x 9 Years )

= RM57287.35 84

= RM 60902.43 108

RM 682.00

RM 563.91

COMPARING TO OUR SALARY:

COMPARING TO OUR SALARY:

RM 3100 RM 682.00

RM 3100 RM 563.91

= RM 2418.00

= RM 2536.09

BALANCE:

BALANCE:

SALARY EXPENSES CAR LOAN

SALARY EXPENSES CAR LOAN

= RM 3100 RM2500 RM 682.00

= RM 3100 RM2500 RM 2536.09

= - RM 82

= RM 36.09

COMPARE AND CONTRAST

Myvi 1.0 (Manual) Solid Loan (RM) 38934.10 38934.10 Deposit (RM) 3893.41 3893.41 4.05% 4.05% Interest Rate Duration (years) 7 9

INTEREST RATE ( %) = 4.05%

INTEREST RATE ( %) = 4.05%

DURATION ( YEAR ) = 7

DURATION ( YEAR ) = 9

INTEREST :

INTEREST :

RM 38934.10x 4.05% x 7 years

RM 38934.10x 4.05% x 9 years

= RM 11037.82

= RM 14191.48

REAL PRICE (INCLUDED INTEREST): REAL PRICE (INCLUDED INTEREST):

RM38934.10 + RM 11037.82

RM38934.10 + RM 14191.48

= RM 49971.92

= RM 53125.58

MONTHLY INSTALMENTS:

MONTHLY INSTALMENTS:

RM 49971.92 (12 Months x 7 Years )

RM53125.58 ( 12 Months x 9 Years )

= RM 49971.92 84

= RM53125.58 108

RM 594.90

RM 491.90

COMPARING TO OUR SALARY:

COMPARING TO OUR SALARY:

RM 3100 RM 594.90

RM 3100 RM 491.90

= RM 2505.10

= RM 2608.10

BALANCE:

BALANCE:

SALARY EXPENSES CAR LOAN

SALARY EXPENSES CAR LOAN

= RM 3100 RM2500 RM 594.90

= RM 3100 RM2500 RM 491.90

= RM 5.10

= RM 108.10

COMPARE AND CONTRAST

ViVa 660EX Manual (Metalic) Loan (RM) 28800.00 28800.00 Deposit (RM) 3023.29 3023.29 4.05% 4.05% Interest Rate Duration (years) 7 9

INTEREST RATE ( %) = 4.05%

INTEREST RATE ( %) = 4.05%

DURATION ( YEAR ) = 7

DURATION ( YEAR ) = 9

INTEREST :

INTEREST :

RM 28800.00 x 4.05% x 7 years

RM 28800.00 x 4.05% x 9 years

= RM 8164.80

= RM 10497.60

REAL PRICE (INCLUDED INTEREST): REAL PRICE (INCLUDED INTEREST):

RM 28800.00 + RM 8164.80

RM 28800.00 + RM 10497.60

= RM 36964.80

= RM 39297.60

MONTHLY INSTALMENTS:

MONTHLY INSTALMENTS:

RM 36964.80 (12 Months x 7 Years )

RM 39297.60 ( 12 Months x 9 Years )

= RM 36964.80 84

= RM 39297.60 108

RM 440.06

RM 363.87

COMPARING TO OUR SALARY:

COMPARING TO OUR SALARY:

RM 3100 RM 440.06

RM 3100 RM 363.87

= RM 2659.94

= RM 2736.13

BALANCE:

BALANCE:

SALARY EXPENSES CAR LOAN

SALARY EXPENSES CAR LOAN

= RM 3100 RM2500 RM 440.06

= RM 3100 RM2500 RM 363.87

= RM 159.94

= RM 236.13

RECOMMENDATION

RECOMMENDATION After doing the compare and contrast to the three cars Viva,Myvi, and Kenari we finally choose Viva as our choice to recommend it to Rahim. First,we look at how much the car would cost in monthly repayments over a period of seven and nine years assuming 4.05% interest rate. The three variants of

cars we are using here are the Viva 660EX Manual (Metalic), Myvi1.0 (Manual) Solid and Kenari 1000 EZ (Aero) Metallic. Then, we look at the three cars cost monthly. Over a 9-year loan which is the most people will choose. The difference in monthly repayment between Viva, Myvi and Kenari is about RM363.87, RM491.90 and RM563.91respectively. For the first compare, we chose Viva as our first choice. The final balance after deducted the car loan for Viva is RM 236.13 and for Myvi is RM 108.10 whereas for Kenari is RM 36.09. The interior length of Viva would be slightly longer than Myvi. Besides that, the fuel consumption of Viva is better than Myvi. Kenari is the most expensive whereas Viva is the cheapest compare to Myvi and Kenari. In addition, the brake light of Viva is bigger than Myvi. Moreover, Kenari is the oldest model compare to Myvi and Viva. Lastly, we recommend Rahim to buy Viva because he still has a balance of RM236.13 after paying the car loans and expenses. The balance can be used up when there is any urgent happen.

REFERENCES

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Perodua Kancil
Model KANCIL 660 BASIC 660 Basic KANCIL 660 EX (Manual) Solid KANCIL 660 EX (Manual) Metallic KANCIL 850 EX (Manual) Solid KANCIL 850 EX (Manual) Metallic KANCIL 850 EX (Manual) (Special Edition) KANCIL 850 EZ (Auto) Solid KANCIL 850 EZ (Auto) Metallic RM 22,523.50 24,443.50 24,802.60 28,277.80 28,636.60 30,076.80 33,724.60 34,204.60

Perodua Kelisa
Model KELISA GXQ IMAGO (Manual) Metallic KELISA EZQ IMAGO (Auto) Metallic KELISA 1000 GX (Manual) Solid KELISA 1000 GX (Manual) Metallic KELISA 1000 EZ (AUTO) Solid KELISA 1000 EZ (AUTO) Metallic KELISA 1000 GX Special Edition (M) Metallic KELISA 1000 EZS Special Edition (M) Metallic KELISA 850 GX (Manual) Solid KELISA 850 GX (Manual) Metallic RM 37,871.00 40,118.40 34,919.40 35,468.60 38,295.70 39,017.70 37,640.10 39,887.40 31,011.70 31,564.60

Perodua Kenari

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MyPerodua : Perodua Car Enthusiasts Forum / Perodua features / Loan for your new Perodua Viva: Sample Loan for your new Perodua Viva: Sample by myprotwo on May 11, 2007, 12:08 PM MyPerodua have made a calculation for all versions of Perodua Viva. Here is the base of the calculations.
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* 7 year (84 months) installment * 4.05% Loan Interest Rate (% p.a.) *National Car * Downpayment of 10% * All Cars is Metallic Color * Price stated below are monthly installments. Perodua Viva Grade Price Monthly Installments 660EX Manual (RM28,800) (RM396.50) 850EX Manual (RM32,900) (RM452.43) 1.0SX Standard Manual (RM37,200) (RM511.57) 1.0SXi High Grade Manual (RM41,200) (RM566.57) 1.0EZ Standard Automatic (RM40,200) (RM552.82) 1.0EZi High Grade Automatic (RM44,200) (RM607.83)

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REFLECTIONS

CHAN YI MIN PPISMP BC/PJ/KS (1) REFLECTION

Before our BMTs lecturer, Mr. Bustam give us the coursework, he did show us some examples for Gannt Chart. Besides that, he tought us how to produce a Gannt Chart. Through this, I have learnt the ability for doing Gannt Chart which is included in our BMTs coursework. Gannt chart can help us to arrange our time and coursework to run smoothly. Besides learning how to produce a Gannt Chart, I have learnt to how to do pie chart by using Microsoft Words too. Furthermore, I did not know how to do budgeting before this coursework is distributed. After done the coursework, I have learnt the budgeting skill. I believe that this budgeting skill will be very useful in our future. It may affect our future financial. Moreover, through this coursework, I have learnt up the ability to collect information based on different loan. For example, I have found some information about some cars based on different company and different loan. After I collected the information, I did learn to compare and contrast different loan with my 2 group mates. I have done some research about the car loan by using Internet. Now, I just realized that we can even get any car loan or monthly installment easily through Internet by saving a lot of time to go to the cars company to get the car loan. Lastly, I have learnt to do a budgets proposal for my coursework. Through this coursework, I have learnt the skills of pursuing people to buy or do something that you are recommended. In future, as a teacher, we need to pursue the kids to study or do anything too. Thus, this might help us to pursue the kids easily. By doing this coursework, I have learnt up my grammar and improved my writing skill because we need to write an essay about compare and contrast.

NG KIT YIN PPISMP BC/PJ/KS (1) REFLECTION Through this course work, I had learned the ability to collect the information, the car broacher and the bank loan on different loan or saving .After collect all the information, I had learned how to compare and contrast the various scheme available and according the comparison planning the budget and annual expenses based on the monthly income and relevant deductions. Besides that, I also had the ability the draw the pie chat easy for us to compare the budget and the gannt chat was learned to plan the activity or the steps that we had to carry out when we were in process this course work. Through the show the application of mathematical skills to determine the choice of scheme ,I had learned how to calculate interest rate from the bank loan and the deposit to calculate the car loan price and the monthly instalments. After compare the and contrast the price of the car loan and his monthly budget ,I knew how to make the suitable deduction and recommendations to ensure the person completes paying his car loan. Based on the course work, I really improved my knowledge in loan ,this can made used in my future life if I planning to buy a car or a house, I can used this ways to calculate.

REFLECTION NAME: TAN YUAN FENG NO IC: 910426-02-5938 Before doing this coursework,I am not so understand with the car loans.After our lecturer,Mr Bustam Daman dissussed the questions with us,I can be more understand the questions and can start to decide which questions should we choose. After discussed with my group members,Ng Kit Yin and Chan Yi Min,we decided to choose question 1 as title of our coursework.When finished study the question,we started to collect relevant informations from the banks and car selling enterprise.Then, we made the compare and the contrast for the informations, and made suitable deductions .After that,we did the recommendations for the selected case study.Then,we planned a suitable monthly budget proposal according to the selected case study. This mathematics coursework had help me to interpret and explain in details the skills of some mathematics topics in the syllabus.I also have explored and used the ratios and proportions such as fractions,decimals and percentages effectively in releven situations.I am very appreciated to the usage of ratios in practical applications and ability to acquire.I am also understood the interpretation and application of relevant mathematics skills needed to solve the problem. I ability to find the realistic informations on different loans and saving schemes and the suitable resourses.After studied the car schemes,I compared and contrasted the various scheme available.I planned the budget proposal for monthly and annual expenses based on gazette monthly income and also relevant deducations. I also rationalize the choice of scheme selected. In the conclusions.we had show the commitment in this coursework. We finally complete our coursework In the time given by lecturer.

BIBLIOGRAPH

http://www.myperodua.com/index.php?page=15 http://paultan.org/2007/05/14/perodua-viva-and-perodua-myvi-loancomparison/

http://en.wikipedia.org/wiki/Perodua_Kancil http://www.perodua.com.my/index.php? section=ourcars&page=vivaelite&action=price&car_model=660ex

http://www.myperodua.com/index.php?page=7