03 Subjective / Subjektif 1

Exercise format: Subjective. System doesn’t include auto-marking, sample answers are provided.
Format latihan: Subjektif. Tiada sistem pemarkahan, contoh jawapan diberikan.

1. Ling is a manager at a clothes factory with a monthly salary of RM4, 000. She wants to buy a new television
300 in 8 months. Describe the financial management that Ling needs to implement to achieve its goals.
Ling merupakan seorang pengurus di sebuah kilang baju dengan gaji bulanan sebanyak RM4, 000. Dia men
membeli satu televisyen yang baru dengan berharga RM5, 300 dalam 8 bulan. Huraikan pengurusan kewang
perlu Ling laksanakan untuk mencapai matlamatnya.
 

  First Step: Set goals

Langkah pertama: Menetapkan matlamat
Her goal is to buy a new television for RM5, 300 in 8 months.
Matlamatnya ialah membeli satu televisyen yang baru dengan berharga RM5, 300 dalam 8 bulan.
 
Step Two: Evaluate financial position
Langkah kedua: Menilai kedudukan kewangan.
Ling needs to save RM662.50 a month and after eight months she will have RM5, 300.
 Ling perlu menyimpan sebanyak RM662.50 sebulan dan selepas lapan bulan, dia akan memiliki RM5, 30
 
Step Three: Creating a financial plan
Langkah ketiga: Mewujudkan pelan kewangan
Ling needs to control her daily expenses by buying only essential items to save RM662.50 a month.
Ling perlu mengawal perbelanjaan harian dengan membeli barang yang penting sahaja supaya dapat me
RM662.50 sebulan.
 
Step Four: Implement a financial plan
Langkah keempat: Melaksanakan pelan kewangan.
Ling needs to be disciplined and thrifty in order to save RM5, 300 in eight months.
Ling perlu berdisiplin dan berjimat-cermat supaya dapat menyimpan sejumlah wang RM5, 300 dalam lap
 
Step Five: Review and check the progress
Langkah kelima: Mengkaji semula dan menyemak kemajuan.
The amount of money saved should be reviewed monthly in order to determine whether Ling is headin
goal.
Jumlah wang yand disimpan perlu disemak setiap bulan supaya dapat menentukan sama ada Ling menuj
matlamat yang telah ditetapkan.
2. Describe Richard's goal of saving RM1, 000 in 10 months based on the SMART concept.
Huraikan matlamat Richard yang perlu menabung wang sebanyak RM1, 000 dalam masa 10 bulan berdasar
SMART.
 

  S – Specific (Khusus)
His goal is to "save money".
Mengkhususkan matlamatnya iaitu “menabung wang”.

M – Measurable (Boleh diukur)
Measuring his goal is “saving RM1, 000 in 10 months”.
Mengukur matlamatnya iaitu “menabung wang sebanyak RM1, 000 dalam 10 bulan”.
 
A – Attainable (Boleh dicapai)
His goal can achieve and not exceed Richard’s ability is to “save RM100 a month”.
Matlamatnya boleh dicapai dan tidak melampaui kemampuan Richard, iaitu “menyimpan wang sebanyak
sebulan”.
 
R – Realistic (Realistik atau relevan)
The goal is realistic in line with Richard’s financial ability as his monthly expenditure is over RM100.
Matlamatnya adalah realistik iaitu bersesuaian dengan kemampuan kewangan Richard kerana tanggung
perbelanjaan bulanannya adalah lebih daripada RM100.
 T – Time-bound (Mempunyai kekangan masa)
The goal is to have a time limit of “10 months”.
Matlamatnya mempunyai kekangan masa, iaitu “ 10 bulan”.
 
Questions 3, 4 and 5 refer to the following information.
Soalan 3, 4 dan 5 merujuk kepada maklumat berikut.
 
Ali is a manager at a magazine factory with a monthly income of RM4, 500. He wants to
buy a new car for RM50, 000. He is able to pay 20% of the car in cash. The rest will be
cleared by bank loans.
Ali merupakan seorang pengurus di sebuah kilang majalah dengan pendapatan bulanan
sebanyak RM4, 500. Dia ingin membeli sebuah kereta baru dengan harga sebanyak RM50,
000. Dia berkemampuan membayar 20% daripada kereta itu secara tunai. Bakinya akan
dijelaskan melalui pinjaman bank.
3. a. Find the amount of Ali loan from the bank.
a. Cari jumlah pinjaman Ali daripada bank.
b. If the interest rate for a car interest loan is 2% per annum, calculate the loan amount to book the repayment
b. Jika kadar faedah bagi pinjaman faedah kereta ialah 2% setahun, hitung jumlah pinjaman untuk tempah b
balik selama
(i) one years
(i) satu tahun
(ii) four years
(ii) empat tahun
(iii) six years
(iii) enam tahun
 

  a.
  
b.
(i) one years / satu tahun
 
Total Loan amount / Jumlah pinjaman = P + Prt
P = RM40, 000
r = 0.02
t=1

Total Loan amount / Jumlah pinjaman

= RM40, 000 + (RM40, 000 × 0.02 × 1)
= RM40, 000 + RM800
= RM40, 800

(ii) four years / empat tahun

 
Total Loan amount / Jumlah pinjaman = P + Prt
P = RM40, 000
r = 0.02
t=4

Total Loan amount / Jumlah pinjaman

= RM40, 000 + (RM40, 000 × 0.02 × 4)
= RM40, 000 + RM3, 200
= RM43, 200
 
(iii) six years / enam tahun
 
Total Loan amount / Jumlah pinjaman = P + Prt
P = RM40, 000
r = 0.02
t=6

Total Loan amount  / Jumlah pinjaman

= RM40, 000 + (RM40, 000 × 0.02 × 6)
= RM40, 000 + RM4, 800
= RM44, 800
4. Calculate the monthly installment payment for the installment payment period
Hitung bayaran ansuran bulanan jika tempoh bayaran ansuran
(i) one years
(i) satu tahun
(ii) four years
(ii) empat tahun
(iii) six years
(iii) enam tahun
 
 

5. Describe Ali's goal of buying a new car for a monthly installment within 4 years based on the SMART conce
Huraikan matlamat Ali yang ingin membeli sebuah kereta baru dengan bayaran ansuran bulanan dalam tem
tahun berdasarkan konsep SMART.
 

  S – Specific (Khusus)
His goal is to “buy a new car with a loan of RM40, 000 from the bank”.
Mengkhususkan matlamatnya iaitu “membeli sebuah kereta baru dengan pinjaman RM40,000 daripada b
 
M – Measurable (Boleh diukur)
His goal is "Ali will have to pay a monthly installment of RM900 monthly for a period of four years".
Mengukur matlamatnya iaitu “Ali perlu membayar ansuran bulanan sebanyak RM900 setiap bulan bagi t
empat tahun”.
 
A – Attainable (Boleh dicapai)
His goal is to achieve and not exceed Ali’s ability, "RM900 is 20% of his income". He is able to pay a m
installment of RM900.
Matlamatnya boleh dicapai dan tidak melampaui kemampuan Ali, iaitu “RM900 ialah 20% daripada pend
”. Dia berkemampuan untuk membayar ansuran bulanan sebanyak RM900.
 
R – Realistic (Realistik atau relevan)
The goal is realistic in line with Ali’s financial ability if his monthly spending expenditure is less than 8
 income.
Matlamatnya adalah realistik iaitu bersesuaian dengan kemampuan kewangan Ali jika tanggungan perbe
bulanannya adalah kurang daripada 80% daripada pendapatannya.
 
T – Time-bound (Mempunyai kekangan masa)
The goal is to have a time constraint, which is to “clear the debt in four years”.
Matlamatnya mempunyai kekangan masa, iaitu “menjelaskan hutang dalam masa empat tahun”.
 
Questions 6, 7 and 8 refer to the following information.
Soalan 6, 7 dan 8 merujuk kepada maklumat berikut.
 
John has a monthly income of RM10, 500. He wants to buy land to plant palm trees for
RM560, 000. He is able to pay 24% of the land in cash. The rest will be cleared by bank
loans.
John mempunyai pendapatan bulanan sebanyak RM10, 500. Dia ingin membeli tanah untuk
menanam pokok sawit dengan harga sebanyak RM560, 000. Dia berkemampuan membayar
24% daripada tanah itu secara tunai. Bakinya akan dijelaskan melalui pinjaman bank.
6. a. Find the amount of John loan from the bank.
a. Cari jumlah pinjaman John daripada bank.
b. If the interest rate for land interest loan is 5% per annum, calculate the loan amount to book the repayment
b. Jika kadar faedah bagi pinjaman faedah tanah ialah 5% setahun, hitung jumlah pinjaman untuk tempah b
selama
(i) five years
(i) lima tahun
(ii) ten years
(ii) sepuluh tahun
 

  a.
  
b.
(i) five years / lima tahun
Total Loan amount / Jumlah pinjaman = P + Prt
P = RM425, 600
r = 0.05
t=5
 
Total Loan amount / Jumlah pinjaman
= RM425, 600 + (RM425, 600 × 0.05 × 5)
= RM425, 600 + RM106, 400
= RM532, 000
 
(ii) ten years / sepuluh tahun
Total Loan amount / Jumlah pinjaman = P + Prt
P = RM425, 600
r = 0.05
t = 10
 
Total Loan amount / Jumlah pinjaman
= RM425, 600 + (RM425, 600 × 0.05 × 10)
= RM425, 600 + RM212, 800
= RM638, 400
7. Calculate the monthly installment payment for the installment payment period
Hitung bayaran ansuran bulanan jika tempoh bayaran ansuran
(i) five years
(i) lima tahun
(ii) ten years
(ii) sepuluh tahun
 
 

8. a. Describe John's goal of buying a new store for a monthly installment within 10 years based on the SMART
a. Huraikan matlamat John yang ingin membeli tanah dengan bayaran ansuran bulanan dalam tempoh masa
berdasarkan konsep SMART.
b. Whether this financial plan is short-term or long-term?
b. Adakah pelan kewangan ini untuk jangka masa pendek atau jangka masa panjang?
 

  a.
S – Specific (Khusus)
His goal is to “buy land with a loan of RM425, 600 from the bank”.
Mengkhususkan matlamatnya iaitu “membeli tanah dengan pinjaman RM425, 600 daripada bank”.
 
M – Measurable (Boleh diukur)
His goal is "John will have to pay a monthly installment of RM5, 320 monthly for a period of ten years
Mengukur matlamatnya iaitu “John perlu membayar ansuran bulanan sebanyak RM5,320 setiap bulan b
sepuluh tahun”.
 
A – Attainable (Boleh dicapai)
His goal is to achieve and not exceed John’s ability, "RM5, 320 is 50.67% of his income". He is able to
monthly installment of RM5, 320.
Matlamatnya boleh dicapai dan tidak melampaui kemampuan John, iaitu “RM5, 320 ialah 50.67% daripa
pendapatannya ”. Dia berkemampuan untuk membayar ansuran bulanan sebanyak RM5, 320.
 
R – Realistic (Realistik atau relevan)
 The goal is realistic in line with John’s financial ability if his monthly spending expenditure is less than
his income.
Matlamatnya adalah realistik iaitu bersesuaian dengan kemampuan kewangan John jika tanggungan per
bulanannya adalah kurang daripada 49.33% daripada pendapatannya.
 

T – Time-bound (Mempunyai kekangan masa)

The goal is to have a time constraint, which is to “clear the debt in ten years”.
Matlamatnya mempunyai kekangan masa, iaitu “menjelaskan hutang dalam masa sepuluh tahun”.
 
b.
Long-term financial plan
Jangka masa panjang
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