Laptop & print selection based on monthly

allowance

Allowance(Ringgit / 1-month)=RM430.00
Budjet (Ringgit / 1-month)=RM100.00

Laptop
Compaq Presario CQ42-258TU
Intel Core i3-350M Processor
(3MB L3 Cache, 2.26GHz)
FreeDOS
System Memory 2048MB 1066MHz / max to 8GB* DDR3 Memory (1 x 2048)
Hard Disk Drive 320GB 7200rpm
14.0 Diagonal High-Definition HP BrightView LED Display (1366 x 768)
Intel HD Graphics
LightScribe SuperMulti 8X DVDRW with Double Layer Support
Integrated Webcam
Bluetooth, wireless 802.11b/g/n
Price

:RM1799.00

Printer
Hp Deskjet
= HP Deskjet D2660 Printer
Print only.
Price:

RM125.00
Grand total(laptop+printer)=RM1924.00

Final Report
Loan chosen bank

: Bank Simpanan Nasional

Rate of Interest

: 3.15%

Loan amount

: RM 2200.00

Total Interest

: RM69.30

Monthly repayment

: RM183.00(12 months)
:RM95.00(24 months)
:RM69.00(36 months)

Monthly allowance = RM430.00

Budget (per month) = RM100.00
Grand total of laptop and printer = RM1924.00
The most suitable monthly repayment is RM95.00 per
month.
This is because our budget is greater than the monthly
repayment, that is RM95.00 per month.
Besides, it doesnt take too long to pay back the money to
bank, that is 24 months or 2 years.

Compare and contrast of the various personal loan schemes

No

Bank

Minimum

Repayment

Amount

1.

2.

Maybank

BSN

Rate

RM 5000.00 -RM462.50

(12 months)

-RM254.17

(24 Months)

RM 2000.00 -RM183.00
-RM95.00

3.

AmIslamic Bank

Interest

(1 year)

11%

3.5%

(2 years)

RM 1000.00 -RM92.00

(12 months)

-RM48.00

(24 months)

5.00%

The best personal loan installment is Bank Simpanan Nasional because the rate
of interest is the lowest among the three bank. Maybank has the highest rate of interest,
that is 11%, while AmIslamic Bank has a 5.00% rate of interest. I choose Bank
Simpanan Nasional because its interest rate is only 3.5%.
Besides, the minimum loan of Bank Simpanan Nasional slightly more than the
amount of all my budget, while Maybanks too high, that is RM5000.00.
The monthly payment for Bank Simpanan Nasional is RM95.00 is affordable for
me to pay the loan. While the monthly payment of Maybank is too high.
Even the minimum loan and the monthly payment of AmIslamic Bank is low, but
the rate of interest is too high. So I choose Bank Simpanan Nasional.

INSTITUT PENDIDIKAN GURU,

KAMPUS SULTAN MIZAN,
KEMENTERIAN PELAJARAN MALAYSIA
TERENGGANU DARUL IMAN.
SHORT COURSEWORK
BASIC MATHEMATICS
NUMERICAL LITERACY
NAME

: SIM CHONG YAU

I.C. NUMBER

: 920207-07-5491

NAME

: MUHD. AIDILFITRI B. JAMALUDDIN

I.C. NUMBER

: 920405-08-5797

GROUP/UNIT

: PPISMP-PJ 2010

LECTURERS NAME : EN. WAN MOHAMMAD AZMI B. WAN

HASSAN

Bibliography & Reference

Internet
1. Bank Simpanan Nasional
http://www.bsn.com.my/kadarfaedahcaj/kadarfaedahcaj.asp
2. AmIslamic bank
http://amislamicbank.com.my/ambank_webmedia/file/AmIncomeReward_
SemiAnnualReport_2010.pdf
3. Maybank
http://www.maybank2u.com.my/mbb_info/m2u/public/personalChannel01.
do?channelId=LOA-Loans&chCatId=/mbb/Personal/LOA-Loans

Brochures
1.
2.
3.
4.
5.

Task:

Acer (computer)
Dell (computer)
HP (computer and printer)
Toshiba (computer)
Compaq (computer)

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

You are required to:

1) collect 3 personal loan scheme from different bank.
2) Get at least 5 differences of the prices lists and brochures of laptop with
printer from any company.
3) Compare and contrast the personal loan schemes.
4) Select a laptop and printer & paln a monthly budget based on your
allowance.
5) Compare all relevant information and prepare a final report on how you
choose the loan.
6) Make a self reflection .

Reflection

-Sim Chong YauAs a conclusion, I learned lots of knowledge during the time that I complete this
short coursework. Besides, I faced lots of difficulties and problems when Im completing
this short coursework.
Firstly, I have no a laptop. I have to borrow a laptop from my fellow friends or
senior in dormitory or during the classes. Even thought, Im still short of time because
they also need to use their laptop. So I need to complete all the task in a very short
time. Besides, I faced the problem of vehicles. In this short coursework, we need to find
the brochures from several bank. But my school campus is far away from the town. The
problem getting serious when I face financial problem, that is the allowance havent
come out yet.
However, obstacles are not the excuse for me to postpone my coursework.
Without enough time to use the laptop, I draft the coursework in paper sheets, then
when I success to borrow a laptop, I just type the content in computer and print out.
While the problem of vehicles, I borrow a motorcycle from my Malays friend, Mohd. Irfan
to ride to town. Finally, the financial problem solved because my fellow friends borrow
me some money for temporary until the allowance come out.
By finishing this short coursework, I learned a lot of knowledge. Even I sacrifice
my sleep time to complete this coursework, but everything is worth!

Reflection
-Mohd. Aidilfitri b. JamaluddinFirstly, I feel grateful because I have done my Basic Mathematics course work on
the time. I can finish the work in the difficult two weeks. I have to manage much
assignment on the same time. However, all the course work can be done smoothly if we
have a good planning. Unfortunately, I also received the assignment from other subject.
I have to do all the assignment at the same time. Besides that, all of us have to attend
at Putrajaya for a week before our Independent`s day. All of us are compulsory to
celebrate at there and nothing we can do to get any work information except just group
collaboration. So just two weeks is left to do the assignment. Furthermore, there were
some other difficulties that I have to face such as the some brochures of laptops, printer
and banks were finished and I have to go to any branch for the brochures. Besides that,
when I went to the bank for the information of personal loan, the clerk was quite stingy
and thought that I was not able to apply the personal loan because of my age. The
information also were not so clear and quite difficult to understand his explaination.
Moreover, I didn`t able to do the work on my free time because I didn`t have my own
laptop yet and have to go to cyber cafe to continue my assignment and scarify my
money for traveling there. With the help from my lectures, seniors and fiends I can
overcome all the problems and finish this assignment. Thank you for all your support
and I will always appreciate it. Thank you very much.