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 1
Appreciation 3
Introduction 4
Planning personal budget 6
Comparing and contrasting three personal 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 19
Reflection 1 20
Reflection 2 21
Appendix

Assalamualaikum and a very pleasure moment.

 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 Amount (RM)

Food (RM 5.50 per day) RM 5.50×30 (1 month) = RM 165.00
Transportation RM 15.00
Stationary RM 10.00
Fees RM 25.00
Others RM 40.00
Savings RM 20.00
 Total RM 275.00

Monthly personal budget : RM 275.00

Allowance given for a month
Balance in hand
: RM 430.00
: 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
Interest rate Loan amount (RM)
Years Month
(%) 3000 5000
1 12 4.90 263 438
2 24 4.95 138 229
3 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 )
CIMB Bank
Interest rate Loan amount (RM)
Years Month
(%) 3000 4000 5000
1 12 5.9 265 353 441
2 24 11.2 139 185 231
3 36 16.1 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
2 Years 3 Years 4 Years
Total financing
First Subsequent First Subsequent First Subsequent
(RM)
year year year year year year
3000 138 141 97 101 76 81
4000 184 188 128 134 101 108
5000 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
• 19.1100×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 From RM1,000 From From
up to RM3,000 up RM3,000 up to
RM150,000 to RM50,000
RM150,000
Interest rate 5.9% (1 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
rest basis
Guarantor No guarantor Needed if 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
the applicant
Eligibility Age: 18-58 Age: 18 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.

PERSONALITY
Part Number ACER ASPIRE COMPAQ ACER ASPIRE ASUS U50VG TOSHIBA
4810T PRESARIO 4736Z NB200-A101
C795TU
Model

Promotion RM 2,399 RM 2,320 RM 4,536 RM 3,399 RM 1,699

Price (RM106×24) (RM109×24) (RM189×24) (RM150×24) (RM85×24)
Remark Intel Core 2 Intel® Pentium® Intel® Pentium® Intel® 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,
533MHz FSB) (2.1GHz) 667MHz FSB)
Weight (kg) 2 kg 2.05 kg 2.3 kg 1.9 kg 1.18 kg
Window Genuine Windows Vista® Windows Genuine Genuine
Windows Vista Home Basic Vista® Home Windows Windows® XP
Home Premium Basic Vista® Home Home Edition
Premium
HDD/Memory 320GB SATA 1024MB 1GB DDR3 250GB SATA 160GB SATA
 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) pc) DDR2 SDRAM
Screen 14” HD Acer 15.4” TFT 14” 1366×768 15.6” HD Slim 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
Technology
Warranty 1 year 2 years 3 year 1 year 1 year
Free Panasonic DOS Acer Bag - -
Earphone
Other 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 CANON CANON EPSON
Ip1980 MX308 STYLUSTM T10

Promotion Price RM 188 RM 398 RM 250

Warranty 1 Year 1 Year 1 Year
Print Speed 21/17ppm 22/17 ppm 22/13 ppm
Resolution 4800×1200dpi 4800×1200dpi 5760×1440dpi
Other Facilities Easy-Photo Print EX Easy-Photo Print EX 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 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
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 : EN.ANUAR AB.RAZAK

NO. TARIKH PERKARA KOMEN TANDATANGAN

1
2
3
4
5
6
7
8
9
10
11
APPENDIX