SIMPANAN & PELABURAN, BAB KREDIT & HUTANG SAVING & INVESTMENT, CREDIT & DEBT IMPANAN & PELABURAN ay ara 2 Prt 1. Kirakan nilai faedah yang diterima daripada syarikat kewangan yang menawarkan faedah mudah ke para pendepositnya. Ete vl fret received from afc cmp ha offers a simple interests dpostos a) Prinsipal = RM 5 200, Kadar faedah = 6 %, |b) Pelaburan = RM 45 320, Kadar faedah = Tempoh ~ 8 tahun Tempoh = 2 bulan Priel RMCS30M teres rate~ 62% Tine = years | nese! = RAT #530, ret rate = 15% Tine = 5 years Teafrt Tz ¢s 320x015 x 2B =5200x6 x¥ ' ice ahm 1133 = Rn 2 44b ‘) Simpanan = RM 645 250, Kadar faedah = 3.5%, |) Prinsipal Tempoh = tahun Saving = RM 648 250, Interest rate = 3.8%, Tne = 8 years RM 5 200, Kadar faedah Tempoh ~ 6 bulan Principal = RM $200, interest rate = 6%, Time = 6 months T= byr2m xo-asxs | L= s200x006xh iz = RM N18 FS = pm 156 2, Sebuah syarikat kewangan menawarkan faedah mudah bagi semua pendepositnya. Kirakan setiap yang berikut, A finance company offers simple interes to als depositors. Calculate each the following, a) Prinsipal = RM 500, Kadar faedah - 8% , ) Nilai pelaburan ~ RM 25 000, Kadar faedah ~ ‘Tempoh ~ 4 tahun 15 %, Tempoh = 20 tahun Principal ~ RM50), interest rate ~8 % Time ~ 4 years | Investment value ~ RM25 000, interest rate ~ 15 %, Time = 20 years Kirakan jumlah faedah yang diterima. Calculate the toral interest received Kirakan nilai akhir pelaburan ve Coledete the final vee of investment Le Prt ~ + Le Prt = S00 XK O03 KY = 2500 XO.NIS X2O Rm tbo TSO 2 Vlei ckhie= 250 +450 = Rm [90 COD ‘Na gk eo mm mana ckguscesitansoalan din pape ni Join ln proup Telegram “Maths F3 with Cilkgn Avia” Video wc tis 1 Go) bab pay orang tiation pn ads Video tk tab akan tg pn ado. PM ik a? 0126192730. Nan ek add Koran) Kadar faedah = 10%, Faedah yang diterima = RM 30.000, Tempoh = 5 tahun Interest rate = 10 % Interest earned = RM 30 000 time = 5 years Kirakan prinsipal Coleutae the principal qe Pre 200005 PKOAKS ZOoCD PxOs ZoOW® = P Os Loos =f ¢) Prinsipal = RM 750, Faedah yang diterima = RM 750, Tempoh = 5 tahun Principal = RM780, Interest earned = RM7S0, tine = Syears Kirakan kadar faedah yang diberikan Calculate the given interest rate TeFrt 40 = TSO KE KS JS = 3750 FS0 a r= 207, oS 270 ) Prinsipal = RM 500, Faedah yang diterima = RM 500, Kadar fnedia Principal ™ RM S00 Interest earned = RBM SOO, Interest rate" 9% Kirakan tempoh yang diperlukan Calculate the time needed Ta Pre Sm = SOOK 0-09 K+ SO = 45% SOat we ea ae 8 Calle) phy ‘) Prinsipal = RM 45 000, Nilai akhir = RM 81 000, ‘Tempoh = 8 tahun Principal = RM 45 000, Final value = RM 81 000, Tine = Syears Kirakan kadar faedah yang diberikan Calculate he given ners ate T = Pret fqn — FOND = FSDVOVAEX B 36000 360000 r Boom =r 360O0D ol =e Lz OF 12) Kadar faedah = 7.5%, Faedah yang diterima = RM 180, Tempoh = 3 tahun Interest rate = 75 %, Interest earned = RM 180, Tine = Sears Kirakan prinsipal Calculate the prineipal Le fre [oO =P x 0.01 x3 h) Prinsipal = RM 520 000, Faedah yang diterima =RM 312.000, Kadar faedah = 30% Principal ~ RM 520 000 teres cared = RM 312 000, Interest rave = 30% Kirakan tempoh yang diperiukan Calculate the tne needed Te Prt rood = G26 COB x O3 KE \% = 0.2257 Wr D> (se Ot (R= Bn00b = jae if “3.80 bs teh 30 =F wet Nak co moma cig leon in page? Fon Chae! Tegan Mat 3 Cigo Arai ictob ga lepas' yg koran xfaatn pun sda, Video wk bab” akan Sg pun ado. PM ekg la" 0126192780, Nan cikau ad koran, mis?My Pires” 3. Kirakan nilai matang bagi pelaburan di dalam bank yang menawarkan facdah kompaun kepada pelaburnya Calewate the matured value ofthe investment atthe bank tha offers a compound terest tots vestors a) Prinsipal = RM 5 200, Kadar faedah = 6%, b) tahun, Faedah dikompaun 3 kali ‘Prnicipal = RMS 200, Interest vate = 69%, Time = 5 years, inverts compounded Stns por er Mye s200( (+ oak? an = 5200 ( | +.0.02) S20v (02774 = 8363.84 Pelaburan = RM 28 500, Kadar faedah = 12%, tahun, Faedah dikompaun setiap 3 (2 Inwesment = RAL 28 $00, terest rate = 12%, Th 3 year, ltrest fs compounded every 3 months. — Mv = 28S te ony =23600 a 03)'"* = 40 634.14 ‘Tempoh= bulan e) Simpanan = RM S88 888, Kadar faedab ~ 3.5%, Tempoh = 5 tahun, Faedah dikompaun 6 kali setahun, Saving = RM S88 888, Infres roe = 3.59%, Time = 5 years, Interest ts compounded 6 rmes per year. 6x5] My= 333 BRC +o =(0S5% 346.02 OF 6 b) Pelaburan = RM 15 000, Kadar faedah = 8%, ‘Tempoh = 10 tahun, Faedah dikompaun setiap pertengahan tahun, Investment = RM 15 000, Interest rate = 8%, Time = 10-year, Interest is compounded every half years Ms (SF OOr(| £ ose yee a = (S00 ( oro =32.866.95 4, Sebuah syarikat kewangan menawarkan faedah kompaun bagi semua pelaburannya. Kirakan setiap yang. berikut. A finance company offers compound interest to all ts investors Caleulate each the following, 4) Nilai pelaburan = RM 500, Kadar faedah = 8%, Tempoh = 5 tahun, Faedah dikompaun setip tahun. Investinent value = RM 500, Jnerest rate = 8%, Time = 5 years, Interest is compound every year Kirakan nilai matang Calculate nh mature value M=P( I eye MY = S00 (1 + o03.)"° | Soo ((.08)* by Nilai matang = RM 21 023.49, Kadar faedah = 7.5%, Tempoh = 10 tahun, Faedah dikompaunkan setiap suku tahun, Mature vaine = RM 21 023.49, Interest rate = 7.5% Time = 10.years, Interest is compounded every quarter year Kirakan prinsipal awal Caleutate the early principal Me= PC bent 1023-44 ~ PC +9075)" 2.1023 Pp . 40 ( +0 . = 434.66 ooo =P BABS] ge ot ee men nn ik sla oa page? on a rou Tle, Math 3 wth Cla Artm”Video Cab tp yr orn am uaa Video bab has cig pu dP cua 012619730 Nan eg ad ku. ms 3©) Nitai pelaburan = RM 52.500, Nilai matang = RM 84 551.78, Tempoh = 5 tahun, Faedah dikompaun sekali setahun, Invesimen value ~ BM 32 500, Mature vate RASH 951.76, Time ~ 3 years, Inleret ix compounded every year Kirakan kadar faedah Caleulaue the inseress rare my= PCI tic)" 4) Nilai matang = RM 17 670.89, Kadar fuedah = 15%, Tempoh = 5 tahun, Faedah dikompaun setiap 4 bulan. ‘Mature Value ~ RM 17 67089, Juerest rate ~ 15%, Time = 5 years Interest ix compounded every 4 mons n= 12-4 Kirakan prinsipal awal 2S Catetae the ears prepa! Mu = PC | rey BESS AB = Sa SD(LF EY | b908q = = PCA eos) 3 BY SST FR = Gaso ( | +r)? \4S20: 84 = PO Los 84ST @ tr)” (7690-84 p SSO i 6 _ s lod ot a+? gs00 =P Sel = te t= itr W-l er x reroll ol = ¢) Prinsipal = RM 25 000, Kadar faedah = 12%, £) Prinsipal = RM 3 160 000, Nilai matang = ‘Tempoh = 3 tahun, Facdah dikompaunkan setiap | RM 3 667 309, Tempoh = 5 tahun, Feed pertengahan tahun. dikompaunkan setiap 6 bulan, 642. Principal ~ RM 25 000, Interest rate ~ 12%, Time ~ 3 years, Interest is compounded every half ear Kirakan nilai matang, Cateuone the mature value w= PCF ER) aisooo( 1b ony? = 28000 ( 1-06)! = 35 462.48 Principal = RM3 160 000, Mature value’ Salta Time ~ $ years, inerest is compounded every 6 months Kirakan kadar faedah Caterer Mve P (1 be ry 3667-309 = 3160 C00 (+E 5 360 Bose =e pa O.01Sx2 Biko 009 vib sGeeyy 20% an rey: nf aye | tees boss (+e Low-[2 6 oa Nak gk video mem mana cikgu selesaikan soalan lm page ni? Soin la Channel Telegram “Maths F3 Cikgu Azizul”.Video uk bab akan tg pin ado” PMC ik aj BT 6192730. Nani ck a korang. Jeparyg korang afsham pn ma, Video uk bab Bab 3 mis 4Prt 5. Kirakan faedah mudEif bagi setiap kes. Seterusnya nyatakan kesan kadar faedah terhadap nilai pelaburan di masa hadapan, Calculate the spl itorest foreach cases Them state heeft of the terest rate on the tvestment vein the fire Prinsipal | Tempoh | Kadar facdah Nilai faedah Princpal Tine Tnterest rte Interest alee 8% L=a$000X 008XS (200 RM 3.000 S tahun 15% Tx 3006 KOISKS 40% Boa XO-F XS = Goes ‘Kesan kadar faedah terhadap nilai pelaburan : The ec af meressggteon imestyent value ” : ater Pe re Seman tQex nilai eleouvahs 6. Kirakan faedah niffdah Oye! setfap kes. Seterusnya nyatakan kesan temp masa tethadap nilai pelaburan di mass hadapan, Coteloe te stp iueest foreach cases. Then sate eet of the pertod of team th imesoment woven te fare Prinsipal | Kadarfaedah | Tempoh Nila faedah Principal | Interest rate Time art ral > tahun Ls BROOK PORE KD T= FSOO ROOT ZO RM8 500 35% 10 tahun, 21435 T= S500 K 0089 KOS 2Stahun | = HR SO Kesan tempoh masa terhadap nilai pelaburan : Serereiny Es Thee ofthe prad ofrme on themes wlie ng wlaw. falenciin 7. Kirakan nilai matang bagi setiap kes. Seterusnya nyatakan kesan bilangan kali fuedah dikompaun sera echadap ail pelsbora di mass hadspan. > pl, Cate he mn a for ar cae Deg te ft ir of pri te terest are compound a eo MESO CT EH ‘against future investment value. Bilangan kali faedah Prinsipal | Kadar faedah | Tempoh_ | di setahun ‘Nilai matang Principal | Interet rate | Time |. Number aftuerest, ‘Mature value compounded ma year > fay =[2.000 (| +0 oye z =(btay oye . mv = [208 ([F 086 RM 12000 6% S tahun 4 Tiewoou * HVE 1S-O89 0 ( + DOL) ® ab 441 ) ‘Kesan bilangan kali faedah dikompaun dalam setahun terhadap nilai pelaburan The elect ofthe numberof period the interest are compounded ina year against the investment value Senskin taop feeds dibaryrtn tlann Seba Semabin tg ni plbiren Bab 3 gp Nak ick vdeo mem mana cikgu selesskan soalan dim page ni? Join a group Telegrary “Maths F3 with Cikgu Aziz”. Video tk imis'S @o) bab epee yp koran naam pn ada. Vide i ad akan ca puna, PAE cng lat 0226192430, Nat a od hoa8. Kirakan purata kos sesyer saham dengan menggunakan strat berikut. smurataan kos ringgit bagi setiap kes Calculate the average cost per share by using the ringgit cost averaging strategy fo each the following eases 9) | Transaksi | Harga seunit bas= tapxase peed (eee peed [bese a am) 7 Belin 1) Mt 1.20 2500 bos 1X ers Biving | tx? Belian 2 RM 1.00 2500 Y. CU x 009 Biying? Belian 3 Yn Foard, ay = 2OR0 +2STDA HOO Belisn S| RM 1.10 4000 Bore 35 a7 Darleh unit = 2500 425 FEO = FOOD unit 3) argp pats mn 44O0/FOO? ww tak Sen = BIND /anit | Transaksi | Harga seunit_ | Bilangan unit 0-2. x60 00 Tranacton | Price eruntt_| Number of nts — Belian 1) RM 0.20 60 000 kes = 9:13 x 5000 Basing! sete Belian 2 | RMO.18 50.000 (a = O11 TK FOOD ee = 6000 Belian 3 ~ Bones | RMOIS | 4000) Junleh be = I200 HO + Gos = RN ZOD 2) Jams oni = Coom f500064-400D S50 0 heen a en 2ODO/ SD CD wit ge salen 3 BI O48 Joni Transaksi | Harga seunit | Bilangan unit °) | Trenmction | Priceperinit_| Number ofan 9.04 K2.00 0D Belian RM 0.04 200 000 000 Biving . bes 2 0.04 x DOO ED Belian 2 = 6000 5 RM 0.03 200.000 a Hot 2 bs = 0-035 K YedoDd Belian 3 mto.035 | 400 000 A = ie oor ‘Nak ig video mem mana cikgselestikan soa dlm page ni ty Darla kos = 8000 + booe + I+O00 zm 28000 2.00 960 +-2-00. 0004 FOOD 80D OOD Woe forbs = [en28000/800 CdD init Saher = Pim 0-085/unit 2) Dumlel, oii in la Channel Telegram “Maths F3 Cihga Aza” Vie utk bab Bab 3 Jepas'yg koran xfaham pun adn Video wk bob akan dg pon ado. PM ekg aj 126192730, Nant cg ad orang. ms 6i 3 Ror = wating x 1S 9, Kirakan nilai pulangan pelaburan (ROD) bagi setiap pelaburan berikut Calculate the return of irvestment (ROD) for each of the investment Pelaburan [Modal ae Capt mm a) Emas Harga beli : RM 167.50/¢ Ip model = Rm 164-50 X 3S-35° Gold Buying price =Pm 6O0U.8R Berat bei: 35.85 Ts bm eos xeeee) ining weight by Palangan = Bm [6035 K3EES) = om SHES a Pnast eh |—_— EMSIRS iy > ‘Harga jual : RM 160.35/g a Seng ce . b BT = STE Berat ual 35.85 ons Selingweight = 423) Pelaburan ‘Modal [irvesnnent Capita eer b) Matawang kripto [Targa beli: RM 525/ unit = Cnpo carey [Bungee model = em sas x25 BBilangan unit : 35 joo Number of unit fa) palanger = Pea lo KF Pulangan pa sous eon ig =m tiso | Harga jual: RM 107/ unit | Seling rice Bilangan unit : 35 Nimber of tant Pelaburan |Modal Investment Capioal RO ) Koperasi Pelaburan : RM 3 500 [_predet = br ascp Corporation investment D Yalagn > DW Man + Bones /Pulangan “B K3SD+ ID see 2 Bis 620 Dividen : 10% Ding = Peo] FoL= 650s] Som Bonus : RM 280 aint Pelaburan |Modal Tavestment Capioal ROL d) Hartanah (Tunai) | Harga beli : RM 320.000 Nodal = Pm 32.0 OD +g500 + RealEstate Cash) |Baving price ‘soo Kos guaman: RM 8 500 | =P 333S00 Lanver cost Bp aap = Pr WaDdor 45D O09 (Cukai belian : RM $ 000 fs 442.000 Buying tx fe Pulangan Durduns = pm i3 SOO Rare Seva; RM 42 010 @ Pot = SBS sf 333 50D Harga jual : RM 450 000 SURI Seng rice BUST ge S24 0k yee em maa citg cesan vou page ni ona grup Telegany“MathnF2 wit Cig Ata Video ials7 ©) bob eps yg koran xm pn ada. Video ut baba dig pus ado, PA cig in 0126192730, Nant clk ad kornPelaburan ieterew a ROI ©) Hartanah Deposit 10% = (Pinjaman) posi Dviodel = IX soo + 8500 Real estae (Loan) Kos guaman: RM 8 500 F_SOL.OH BTOOO amyer cost Harga rumah ns = By (52 5 Howse price Cukai belian : RM 5 000 ah Hood Buying tex an = b RM 540 000 " apples i Good ee Bayaran bulanan : RM 85 000 $8 Monthly installment = bY S12 0D Pal > langan By owtang = Pam 354 SOO Sewa bulanan : RM 43.000 = : vat PPT = IAM Harga jual : RM 870.000 ~ 235 Fuyy appeal rah Pelaburan Modal ester Capt eo 1) Syer(saham) Beton 1 Shares ving modal = 205 Marga : RM 1,25/anit 9 tesweet ote Pr ‘00 +.0-88K S00 ilangan unit id aber of ont = RNFR3 Betian 2 Bil uit = rOO+ Je + SOD Buying ? = 0 writ Harga : RM 1.04/unit ; Price 2) pulangen = Sy O85 x Bilangan unit : 200 unit nf % jo* oan, Number of it Pe ek Belian 3 B diact. gtes Busing 3 oto = bX Marga : RM oss/nit wa nit Lon sepals fn 0-8 X dle Pulangan yen enw TWHuwlde = ey 34 T63 Dividen : 5% pada harga RM 0.85 Ba goL Bonus : | unit syer baru bagi setiap 5 5 unit syer yang dimiliki Seg) = henry 7 unt new share for every exist Santinare ORO ME | yy bol = 2 amt 3. Melepaskan semua pengangan = 351. lear poston Harga : RM 0.80/unit Price ak pk video mem mana ik eesaian scala dim page ni Jon la Chanel Telegram “Math F3Cllgu Azul Video ik bab @>) BABS! Jepaxty orang xaham pun ada: Vidco uk bb? akan dg pun ado” PM ik lj’ 126192730, Nani cikgu ad Koray mis 88h) Number of period the intrest is ‘compounded per year ‘Tempoh : 4 tabun Tine Pelaburen Modal Bar nero Capt 2) Simpanay vane | pepo: RM 30 000 medal = pin 30 cD Saat adh ———| Sighs Palongan 2) 1 = 30000 KOASKY inp ner eum = par |8000 ork Kadar faedah : 15% L Kade od boy = 18000 oil, ‘Tempoh : 4 tahun 3DO0D Fine = “torb [eae cial ROI ih) Simpenan yang Deposit :RM 12 500 1) Modal = Rim 12. 50D faedah kompaun saree aes Polangan amy = 12.500) as Compound ever {ten Kadar faedah : 8.5% SRM (74-02, Inverse Bil kali faedah dikompaun setahun : 3 Purge eo SL B. KREDIT & HUTANG CREDIT & DEBT Aa Pt Prt 1. Kirakan jumlah yang perlu dibayarjika faedah sama rata dikenakan ke atas sesuatu pinjaman, Caleutate the payable amount i the flat terest charged on a debt. a) Pinjaman = RM 35 200, Kadar faedah = 4%, ‘Tempoh = 5 tahun Loan = RM35 200, Interest vate = 4 %, Time = $ years = 3520 + 04D = hy 42240 A= 35-200 + 35200%0.04KS> ) Pinjaman = RM 5 678, Kadar faedah = 1.5 % sebulan, Tempoh = 3 tahun Loan = RMS 675, Interest rate = 1.3 86 per month, Tine = years A= SCPE $ SCF OOS KIZXI = SCH + 3006-(2 Rm BF ‘Tempoh = 30 tahun A= $50 (0b +-650000 X0.075 x 30 £50009 + 1462 S00 = BA 2112 SOD ©) Pinjaman = RM 650 000, Kadar faedah = 7.5% , Loan = RM 650 000, Interest rate = 7.5%, Time = 30 years 4) Pinjaman = RM 3 000, Kadar faedah = 6% sebulan, Tempoh = 6 bulan Loan = RM 3 000, Interest rate = 6% per month, Time = 6 bilan A= 300 + 20mDxO0-06% & = 20M + [080 = RM 408) Bab 3) gy Nak tek vdeo mem mana cikgsselesikan sean dp page ni? Join I eroup Telegram, 9D tabiepes koran aha pun ac Vado wk bab aka puna PM kg a athe F3 with Cikgu Ariza” Video ute 26192730, Nant cikgu ad koran.ep APF Prt 2. Sebuah syacikat kewangan mengenakan faedah sama rata ke atas semua peminjamnya. Kirakan setiap yang berikut 4 finance company imposes a fat interest on all is borrowers. Calculate each following fa) Hutang = RM $ 000, Kadar faedah sama rata = 18%, Tempoh = 3 tahun Debt = RM S000, Flat interest rate = 1886, Time = 3 years Kirakan jumlah hutang yang perlu dibayar Calculate the total debt need to be pay f= SOD 4 SODA O17 X3 = S00) + 20 = Bin FHO0 ») Flutang = RM 33 500, Kadar fuedah sama rata 4.7 %, Tempoh = 7 talun Debt = RM 500, Flat interest rate= 4.796, Time = 7 years Kirakan jumlah hutang yang perlu dibayar Caleulate the total debt need tobe pay A= 33500 13300 K O-O8F KF SOB + lord = pm 4452150 /c) Kadar faedah sama rata = 7%, Faedah yang dikenakan = RM 165 000, Tempoh = 30 tahun Flat interest rate = 7%, Interest charged = RM 185 000, Time = 30 years Kirakan nilai pinjaman Colentate the loan value Pt losmd= P + Px003x30 Pe lsoD =z P+ rf TE (WOD = BIP pa Bip =- lb 20d =2IP = -(bFOD Pe —Ks 6 il = EM TBST 4S 4) Pinjaman = RM 150 000, Jumlah bayaran = RM 180 000, Tempoh = 20 tabun. Loan = RM 150 000, Total payment = RIM 180.000, Time = 20 years Kirakan kadar faedah yang dikenakan Coleutae th interes rate that have been charged [80000 = 150 OOD + 1SODOOX X20 (POD = (50.000 + 3000000 [30 OOD -( 50 05 = ISOOCHr 30000 30000cD BED. = 3000000 0-0) roth a ‘e) Hutang = RM 1 480, Jumlah bayaran = RM 1 628 Kadar faedah sama rata = 5 % Debt = RMI 480, Total peyment = RMT 628, Flas nerest * Kirakan tempoh yang diperlukan Caleulate the period of time needed | BY = [4B + IUPKOOSKE ) Pinjaman = RM 15 000, Kadar faedah sama rata = 25%, Tempoh = 5 tahun Loan = RAE15 000, Flat terest rate Kirakan jumlah faedah yang dikenakan Caleutai' the sotal interest that have been charged IA = [TOO + (SDOD X 0-25 XT 6, Time = 5 years Nakigh ‘ye korang xfs pun ada. Video ukbab’ akan dig pun ado, PM cikgu aju 0126192730. Nanci ck add koran, [628 =148 + HH = |SOOD + (3ISO (62% IMO = TUE = 33450 (48 = HE by L = 3350 - 15000 MB et = 19750 ry L video na ig selsan sora dn pgs ona Chanel Telegram “Mats F3 Cligu Arial”. Video uk tab @&) BAD! mm/s 102) Kadar faedab sama rata = 3.5%, Facdah yang dikenakan ~ RM 7.420, Tempoh = 4 tabun Flat interest rate = 33%, terest charged = RBI? 420, Time = 4 years Kirakan nilai pinjaman Calewlate the loan value P+ toe P + Pxooisxy p+ T20 = P + olup P+ tO = IGP P-LYUP =teo ~o-lep = TPO P [h) Pinjaman = RM 640 000, Jumlah bayaran = RM 1 984 000, Tempol ~ 30 tahun Loan = RM 640 000, Tool payment = RAF 1 984 000, Time = 30 years Kirakan kadar foedah yang dikenakan Calcalete the interes rate that have been charged (48 080 = C4OODD 4-440 OODK KIO, yoann + (F2OBOOD- YOO = 4 BY EOD 3. Kirakan ansuran bulanan bagi pinjaman di bawal. Caleulate the monaty installment for the loan belose a) Pembiayaan kenderaan = RM 32 800, Kadar faedah sama rata~ 3.7 %, Tempoh = 7 tabun Five purchase vehicle = RM 39 800 ft terest ate = 379 tne™= 7 years A= 32 BD + Z2BO XO. OF} ~H = PID + $44s-20 = RM 4 215-20 st ahrgudn — Y24S-20 3 FEI, eng = && 4.61 +h) Pembiayaan perumahan = RM 242 700, Kadar faedah sama rata = 6.8 %, Tempoh = 35 tahun Home finance = 00, flat interest rate = 68%, Time = 35 years > Aa2q2 FOO + WAFRRO. Ob IKBT™ DL POD + SFF626 bn $20 326 [? Aes = 803% 23512. ane a 1953.16 Bab3 mis 11 Q0D bab eps’ ye korang xs ‘Nake le mm man cig lan xn npg in rou sea Mai 9 wh lg AsV ada Video uk bab akan dig pun ado, PM ekg Lj’ 0126192730, Nan Akgu add koran4. Kirakan jumlah faedah yang dikenakan dalam tempoh 3 bulan yang pertama bagi pinjaman yang mengenakan faedab atas baki bagi setiap yang berikut. Calculate te amount of interest incurred during te fist 2 months ofthe loan thet charged interest on debt for each of the following a) Pinjaman peribadi = RM 10 000, Kadar faedah atas baki~ 24 %, Ansuran bulanan ~ RM 180 Personal loan = RM 10 000, interest on debt rate = 249 Monthly installment = RM 150, | Stn FyDEDo Xo. > [D000 eee by 19920-42 PP hayes Pri ty gm lor200- 180 lotto Lis 10010 + poyp-wxoarel ove-4o & Fore Tape Bee O + 200.81 pu-4olt 1h) Pinjaman perniagaan = RM 50 000 ‘Kadar faedah atas baki~ 3 % ‘Ansuran bulanan = RM 850 ‘Basiness loan = RIM 50 000, imerest on debt rate = 3%, ‘Monthly installment = RM 850. = SDR + EDK OF 2 DD +| = Bn SON ~» us 350 so = Pe SO RS 8 be hn DIS f oes ie Shar 4 = bn 4a ae pen 4439819389 = ean GE SHE. 3 be aA t ye SRT K DOI x ae En Omar has a eredie card that impose the fllov me, feannes. 5. En Omar memiliki kad kredit yang menetapkan ciri-citi be Fmt = Bale + FeelO FT Donde Pembayaran minimum = 5% (minimum RM 50) Minin payment ~ 396 (osnimum RBM 30) ‘Tempoh tanpa faedah = 20 hari Interest ree period = 20 days Kadar faedah = 18 % Interest rate = 18% Denda lewat = 1% (minimun RM 10) Late fee ™ 19% (mini RM10) Penyata kad kredit En Omar bagi bulan April bertarikh 1/4 ialah RM 3 $00, Kirakan baki yang akan Fea = $COOK O-[T x F0 . BS w, foypla = pa zo00 MEAT Sea snag Bab 3 mis 12[c) 23/4: Bayar RM 500 24/4 : Pay RM S00 Bhp = Ben SOD 2eY 500 pb = 35007 0113, ox i = assoc OS on Genk sO 2 bn 3 /d) Tidak melakukan pembayaran pada bulan April Didn't make any paynient on Apri 2 Bde a 9 3500 KONEK IS 6. En Adnan memiliki kad kredit yang menetapkan ciri-c Bab3 mvs 13 En Adnan has a credit card that impose the following features iri berikut. Pembayaran minimum = 5% (minimum RM 50) Minimum payment = 5% (nininaam RM 50) ‘Tempoh tanpa faedah = 20 hari Interest ee period = 20 days Kadar faedah = 15 % Interest rate 1 Denda lewat ~ 1% (minimun RM 10) Late fee = 1% (mininuan RM 10) ditunjukkan pada penyata bulan Jun jika pada tarikh jumlah tertentu, Bi dhan's credit card statement for May dated 15 ts RM 400, ata stated date, he pays the Bill faa certain amount Penyata kad kredit En Adnan bagi bulan Mei bertarikh 1/5 ialah RM 400. Kirakan baki yang akan yang dinyatakan, dia menjelaskan bilnya it dengan Calculate the balance all be showy on the June statement if 4) 9/5: Bayar dengan bayaran minimum 91S: Py th minim count ~oBye = Sx 19 = oe 20 (4 Morar) ©) 21/5: Bayar RM 100 2/5 Pay RM 100 2 bam 100. 3Tea fig cut ap x OPK 5 rx Wo Redes boo wor moe a Em 2tn4g >| tp Lasr(d ) 20/5 : Bayar RM 100 20/5: Pay RM 100 bei 5 wa Feeds = RAID = PALS - 2, Roy = pan 30D $ 1:36 FBIM 3013 — | Kotsx tl 36S Jd) Tidak melakukan pembayaran pada bulan Mei Didin't make any paynent on Bay 5 ba: = Se - sx op Fred = HO KOSH Poke a hx 1 Fatt | pa GOH (EI + 1D, s, Page tt ‘Nak gk vdeo mem mana cikgu selesaikan soalan dip pope ni? Jin la sroup Telegram, “Maths F8 with Ciky Azizul” Video wk ‘bab lps Korang fam pun ad. Video tk bab” akan dg pon ado. PM cikgu nj! 0126192730, Nati ck ad Koran.C. MASALAH MELIBATKAN SIMPANAN & PELABURAN, KREDIT & HUTANG. PROBLEMS INVOLVING SAVING & INVESTMENT, CREDIT & DEBT. 1. En. Ziyyad ingin menyimpan wang sebanyak RM 120 000 ke dalam akaun simpanan tetap di sebuah bank. Berikutialah kadar faedah simpanan tetap yang ditawarkan oleh bank tersebut kepadanya En. Zipyad wants to depos RM 120-000 into afsed deposit account na bank. Here is the fised deposi erst rate offered dy the bank to hi ‘Tempoh (Bulan)| Kadar faedah tahunan ] Hiitungkan jumlah faedah yang akan diperolehi oleh En Time (nonth) | __ Yearly interestrate | Ziyyau jika dia memilih untuk menyimpan wangnya itu di t 275% dalam akaua simpanan tetap selama 9 bulan, . Calelate the amowt of terest Et Zed wil ar he chaases to 3 3.00% Seve the money fed depot account for 9 month 6 3.25% = Prk 12 3.75% = 129 000 % 0-035 X 4 2 = RM 31sd 2. Puan Qistina mendepositkan RM 5 400 ke dalam akaun simpanannya yang member kadar faedah 4.5% setahun dan dikompaunkan “ones on Ros jumlah wang simpanan Puan Qistina pada akhir tahun ketiga? nat. Puan Qistna deposited RMS 400 into her savings acctnt ith afer interes rate of 4.3% per annum and compowided ‘quarterly: How much is Puan Qistina’s foal savings atthe end of third year? n 4¥@) = S4OS( | + gous) _ os = SYM ( (025? = Rn 6198-64 3. En Gopal menyimpan sebanyak RM 25 000 ke dalam akaun simpanan tetap dengan kadar faedah 3.75% setahun dan dikompaunkan setiap bulaiyuntuk tempoh masa 3 tahun, Hitung jumlah faedah terkumpul selepas tahun ketiga, eae En Gopal keeps RM 25 000 ito a fced deposit accounu with interes! rate of 3 75% per annum and compounded month for a period of3 years, Calculate te otal accumulated interes after the third year 3 WP (| Fe ye Tumi, fred, RG) -21F000 = 5000 ( 14 DOFE ST OS 1 = Pn 24F-FD = BM 1444.70 [Nak pk video mer mana cikpselesaikan soalan dl page ni? Join la Chanel Telegram “Maths F3 Cig Aztzul” Video wt bab Bab 3 Jepas'yg korangxfaham pun ada, Video uk bab akan dg pun ado. PM cikg aj 0126102730. Nant clk add! korang. mis 144, Puan Komala menyimpan RM 10 000 di sebuah bank. Pada akhir tahun kelapan, jumlah wang yang terkumpul di dalam akaunnya ialah RM 19 92.71, Jika pihak bank membayar faedah tahunan sebanyak .x% dan dikompaunkan setiap separuh tahun, bitungkan nilai x Puan Komata keeps RM 10 000 in «bank. At the end ofthe eighth yea, the sum of money accumulated in the account is RM 1999071 the bak passa el interest of sand compounded eve hl ser calculate te value of bee (+8 ye (497291 =( FA - pn VO] Mitra = th (4400h = roe ( \ aad OY C20 (SD — (4057000144000) pon HS 600 [o} hope = 2400 Ix + =15000 - (B,x620 8) 14 ovo 17008 vs em 187 005 = Bae RoT= 403 wo —! £1 OOb 187 008 . 3.54") Bab3 "Nak tak video mem mana cikgu selesaikan soalan dln page ni? Join la group Telegram, “Maths F3 with Cikgu Azizul”.Video utk nis 15 GaP bab lepae yg koran xfatam pun ada. Video uk bab akan dts pus ado, PM cikg na 0126192730 Nac ck a koran.6. Pada mulanya En Azmir membeli 5 000 unit syer syarikat Nexeram berhad yang bernilai RM 0.12 seunit Selepas itu beliat menambah lagi 3 000 unit pegangan syer dengan harga RM 0.09 seunit. Setelah ita, ‘syarikat telah member dividen sebanyak 7% daripada harga terkini saham tersebut iaitu RM 0.10 di ssamping bonus pada kadar 1 syer baharu bagi setiap 2 syer yang dipegangnya. Akhir sekali, beliau telah ‘menjual semua pegangannya syemya dengan harga RM 0.085 seunit. Kirakan, Italy Bn Azmir acquired 5 00 uns of Nesgram berkad shares of RM 0.12 per share. Subsequently he added anater 3 000 tits of shares with a price of RMO.09 per uni. Then, the company hos paid a dividend of 795 ofthe current share price of ‘RO 10, plus rhe bora at new share for every shares he holds. Finally, he has sold all ofits shaves for BMY O85 per share Caeulaie, a) puata kos seunit syer yang dibelinya the average cos per share he purchases 'b) jumlah dividen yang diterimanya Total don he earned 6) nilai pulangan pelaburan yang diperolehinya Value of ern of investment he earned og Kem Seanit Seige sen | eden i ” Pee cow Bay > 0: B41 3608 = en enevars > Pa ore pan bent + Bl eats Som ~ Bl ast = 58R ‘5000 728% > Bee SOD W prdn= 2% yx 0. «800 = BN OT ani to = RMSb Qps2 © pes x(2600 €)g bor > 5% FOL = Rm (920 = 4008 writ ‘Nak gk vdeo mem mano ik sees sala da page ni? Join fa Chanel Telegram “Maths F3 Cikga Aziza”, Video ut bb Bab 3 dep Koran xfaam pan ada Vio uk bb akan dg pun ado PM ci aj" 126192790, Nent cig ald orang. mis 167. Rajah menunjuikkan sebuah kereta Proton Saga FLX yang berharga RM 37 000. Emir membayar RM 6 500 sebagai deposit dan bakinya dibayar dengan pinjaman berlaedah sama rata 4% selama 7 tahun. Kirakan bayaran bulanan yang dikenakan ke atasnya. The diagram shows @ Proton Saga FLX worth RM 37 000. Einir pid RM 6300 at deposit and the Balance paid by the Joan with fas interest 486 for ? years. Caleulae the monthly installment that have been charged on him - =6S00 ~9 P= 37000 f = ROS 000 bo pe Pr Prt = soot BOS OA OO KF = BM 37 oo > bayer = 37 ofO TFA oer = Rm Ube. 8, Rajah di bawah menunjukkan satu iklan oleh sebuah syarikat kewangan berlesen yang ditampal di sebuah pondok bas. En Kumar membuat pinjaman peribadi sebanyak RM 5 000 daripada syarikat kewangan tersebut. Tempoh bayaran balik ialah selama $ tahun, Berapakah jumlah fuedah yang terpaksa dia tanggung? The diagram below shows an advertisement by a licensed finance company patched ot a bus sop. En Kiwnar made « personal loan af RAL 5 000 from the fiance company’ The repaynuent term is for 5 years. What Is the amount of interest he has to bear? rm /_" _/ \_ ab PIMAWAN HANG BERLESEN @ = f+ fet s soot + SOK OFLA smo + [Kd 5 Fede = 2300- 50% = RM 8000 Bab 3% sk tok vdeo mem mana cikguseestan soalan dm page ni? Join la group Telegran “Maths F3 with Cig Arlzul” Video tk mis 17 Go) bsb lepasy korang afalinm pum ada, Video uk ba akan dig pun ado, PM ck lj 0126192730. Nati ck add orang.9. Miss Chen telah membuat pinjaman peribadi sebanyak RM 10 000 daripada sebuah bank yang mengenakan faedah 8% ke atas baki, Jika dia membayar ansuran RM 200 setiap bulan, kirakan jumlah faedah yang dikenakan ke atasnya dalam tempoh 3 bulan, ‘Miss Chen is made a personal loan of RMF 10 000 from a bani imposed 8% interest on debt If she pays an installment of RM 200 per month ealeulate the amount of tmerest charged on her within 3 months. fu 2 Bulan 3 ohare are Pee SAR BLAS E PAEKO OP oaet food 4 6b.67 + NE x00 aes + = OR TC OO 2 996.64 + Eaa33 = (mt + ee = bw 1o0keey 9 By = Be 20> 7 Baye = Hance oy Bak = Pen AY 24S ED > sme SO ra sas z 6. 38 wn Tuner fredd < RM 6.6 4 6548 + 64 = PM 19333 10. Puan Asmida membuat pinjaman RM 15 000 daripada sebuah bank yang mengenakan faedah 9 % ke atas baki. Jika dia membayar RM 2 000 pada bulan pertama dan RM 3 000 pada bulan kedua, kirakan baki ‘yang akan ditunjukkan dalam penyata bagi bulan ketiga. Puan Asmida made a loan of RM 15 000 from a bank that charged 9% interest on debt. if she pays RM 2 000 on the first ‘month and RAE 000 inthe second month, calculate the bolance which will be shown the statement for the third month Bran ! when DL > fe PE Pré FB USD > (31I2- BX OOF K = hy [3210.8 =|S0W + (SDODX 009 x =ISU2.50 9 banger = PM 3000 —3000 Baye = PM 209 3 Baki = em (FDIS eds Bw AS N2-50 - PEED ees = OM 1312-50. Bardens, 2 fs lowost+ [orlO-B¥ % O.OT*H = RM [028% Ye ‘Naki vido mem sama ekg selessikan sala ln agen? Join la Chanel Telegsam “Maths F3 Cig Axle” Video tk bab Bab 3. Jepa yp korang faa pon a Video i ob akin pn ado PM ik lj 126192730, Non ekg od koran. mis 1811. Iklan menunjukkan rumah banglow di Taman Desa Sentral untuk dijual. Jadual pula menunjukkan butiran pembeli yang berminat dengan rumah tersebut. Penuhkan jadual tersebut dengan anggapan bahawa pinjaman ini mengenakan faedah sama rata The advertisement shows a bungalow at Taman Desa Sentral for sale, The table shows details of buyers who are interested for the house. Complete the table assuming that this loan charged lat iierest BN VRAL wma BANGLO SATU TINGKAT z BES ox t we ear Bor Deposit 10% Kadar faedah “intrest rate 7% Tempoh pinjaman 30 tahun ‘Loan period 30 years Gonlels = thy Dapsit Jumlah pinjaman | "2" sob 5 cae Total loan = yee - Sx 2eg@ ada — 23ew SP 24420 Labret Jumlah faedah ke atas pinjaman = 2149420 XO0Fx 3D Total interest charge onthe fan = ey us] 232 Darla = Pw ale 9204 451 330 PO en 66 25U Ansuran bulanan Montiel | Anew . Re OO ISL Blew “an i850.90 + ROSIE Joke 2 Dept + pmpres + facded, Jumlah bayaran keseluruhan wearer aggad + 21M + oSV392) Total overall payment = ” = Pa 670182 oo mcm aka sels olan dip pase? Soin a exp Telerany “Maths F3 with Cig Arta” Vio ik ‘kong Naam pn an Vico ba akan i ps do PO ck ag OLZOLOPTO, Na hg a Kang12, Pada bulan April, Mr Justin telah menggunakan kad kreditnya untuk membeli perkakasan elektrik yang berjumlah RM 3 420. Bank mengenakan kadar faedah 18% dengan 20 hari selepas tarikh penyata adalah tempoh tanpa faedah. Penyata pertama dihantar kepadanya pada bulan Mei. Jika dia bereadang ‘untuk membayar secara ansuran dengan bayaran minimum setiap bulan, tunjukkan baki yang akan ditunjucan pada penyata balan Jun, Julai dan Ogos. (Andaikan Mr Justin membuatbayaran dalam 9h tanpa faedah IeAbe an ese is cred cod yell eplances anourig RMS 120 The bank imposes on ere rate of18%6 with 20 days after the statement dae is interest fre period. The first statement was sent to him in Mey’ If he Intenlsto pay by installments with a mininum payment each month, show the balance to be shown on June. July and August “Sotements. (Assume that Mr. Justin makes a payment on the interest free period) Men on pm 2420 Pan 3266-6 ane 2 Beg = Sp K 3266.6 > ase Mine ioe 3420 - = Rin ote oe tt > Ba = pe gyro lH \ 5 Ba =e pot. be G35 = en 3245 HRM 2103.29 = Freda = 244 y O18 XL \? TeeAeG = 3195- AF KONI pm pb 3by = (S30 > BAG deliv = Bm 3204 419. 62\ >? Be = Bn 2103-24 19-30 = be 5206.62 ON 2 Bis FIle SH dle pm BIST M2VFB-F3 9 ge = te = EM 159-43 . > Bae = Ryn BGST- (59-43 = tm 2962.66 9 Feeddy = 2962 bby osx th =P th OF > heli ay = BX 2462-66 + [b-0} = FM 2993893 ‘ak video mom nace sala dn age? Jina Chane epg Mats FS Cg Ace Vico wk QO) IE lepas’ yp korang xf pon da. Video utk bab’ akan Gig pan ado. PO cikgu lau" 0126192730. Nant kau add korang. m/s 20