Bab 3 :

Simpanon dan pelabaron ,

Kredit dan
hutang .

Simpanon dan Pelaburan

3 Untuk bust
jenis akann simponen :

① Akaun Simpanon

② Akaun simpanan tetap

③ Akoun semass

Akaun
Simpanan
-

Boleh
mengimpan sebarang amann

dan menerime faetch berdasarken

tempot der jumlah simpanar .

500 x 12 = 6000 >

-
ASB

5% Jaripada
RM300
=

jumlch Simpanan ↳ faedch

-

Boleh mengelharken wang simpanan

PCda bila-bila masa melalui

mesin teler automatic (ATM) dengan

musgunakan debit kat .

Akaun Simpanan Tetap (Fixed deposit

account)

-
Perl menyimpan sejumlah wang

tertentu untuk tempoh masa tertentu .

Kadar faetch yang ditawarkan

adalch berbeza mengikat tempor

masc
simpanan .

Bolen dikelharken tempoh

-

selepas
mateng .

Nilai faedah dikurangkan /

-

akon

dibatalkan jika dikeluarkan sebelum

tempon matang .

-
Bank akan kelarkan sijil simpanan

Kepada Pemegans akonn .

 Akaun semasa

Dibuka untuk
~

Kesuncan peribati atan

Perniagacn .

Pewegang akann bolch bust penbogaran

melalui cek ,
Perbankan internet dan

seboscinga .

Faedch tidak diberikan ke ates

Simpanan dalam akaun ini

Jenis Pelaburan :

④
Afif beli runch

--
RM2400/m
↳ >
-
sena
Kat
>
-

&M 2000 bayor

RM 2000/m rum an
orans
RM400 Untung
 I unit : RMI

min RM100

mai >
-
RM200 Jalam ASB
>
-

200 unit

> RM200 Ru2400

-

X 12 =

>
-

2400 unit dalan ASB

4. 25
dividen

1 . 00

bonus

2400 X 5 .
25 =
12600 ser
Faedch musch don Fetch Kompaun

basi simpanan .

Faedch Simpanan
>
-

sanjaran dibayar oleh bank

yang

Kepada penyimpan .

>
-
Fredch >
-
Faebah
mudch
Kompan .

Fletch Mutch (simple interest)

I = Put I = Faedch
Cinterest)

P =
Principal
r = Kadar Crate)

t =
masc (time)
talam tohun
 >
- I tahan

P =
Principal
1 = Prt r = Kadar Crate)
t= time Ctahn)

a) > dclam
(20000) (5 %) (1)
-

I =

tahun
= 20000 x 0 . 05 x I

= RMI 000

b) I = (30000) (6 %) (2)
=
30 000 X 0 . 06 x 2

= RM 3 600 tukor
delcm
I tchun

c) I =
(15000) /4 % ) /6 bulan

15
! tahan
,
=
000 x 0 .
04 X

=
RM 300
 P = Principal
1 = Put rate
r=

t= time (tahund

P = RM5000

r = 4 % >
-
0 .

04

a) I = Prt

= (5000) (0 .
04)(5)
= RM1000

↳)
Jumlch simpanon pada akhir tahan
Kelima

=
Principal + Jumich fretch
=
RM5000 + RM 1000
=
RM6000
Faetch Kompan

nx =
P) +
Ent
my = Milai motarg
P =
Principal
~ = Kabor fretch tchnen

n =
bilangan Kali feedch dikompoun
setchen

t =
tempon Salam tohne .
 mu =
P( +
E)nt
Kader foedch setahun = 5 %

↑ = 6 000

r = 5% /0 .
05
n = 1

t = 3

=
6000 (1 + 05(((x
3
=
6000 (1 . 05
C simpanon
Jumlch
RM6445 75
=
. >
-
selepas 3 tohen .

Jumlch fretch bang diperoleh :

=
Jumlch simpanan
3 than
selepes-Principal
=
RM6945 75 - RMGOO .

=
RM945 .

75
Kabor fetch setchen 5 % /0 05
:
.

Tahun Baki simponen Jumlch

Baki

and tchu foldch simponen

archin
Lahne

6000 X 6000 +
I RM6008
0 .
05 X / 300

= RM300
=
RM6300

6300 X 6300 +
2 RM6300
0 .
05 X 315
↑
= RM6615
=
RM315

6615X 6615 +
3 RM6615 O · 05 X
330 75.

=
RM6945
.
=
330 75 .

75
 mx =
PCI + E)nt 6 bulan sekali

P = 12M10000
n =
1 = 2

4 bala sekali
V = 6 % = 0 .
06

u
n =
E = 3
4
1
= =

+ =
3 tahue

(4x
ab = 10000
(1 +
06)
=
, 000
10
(1 .

015)'2
= RM 11956 . 18

4) Junich faedch kompaan yag diperoleh :

= RM 11956 . 18 -
RR10 000

=
RM 1956
. 18
 b) Beza
faldch

= RM750 -

RM600

5%
= RM150
4 %

P Principal
1 Prt
=
=

r = Kadar
t =
masa (tahan)

a)
Bank Majn Bank Makmur

FM :
4% = 0 04 FM = 5 %
.
= 0 05
.

I = Prt I = Put
=
(5000) (0 04) (3) .
=
(5000) (0 05) (3) .

= RM600 =
RM750

Jumlch wans
simpanan :
jumlch wang simponan :

=
RM5000 + RM600 = RM 5000 + RM750
= RM 5 GOO = R M5750

:.
Ahmad harus pilih bank makmur .
 My =
P) + Ent
a) P = 10 , 000

r =
5% =
0 . 05

n = = 2

+ = 2 tchen

(2x 2)
Jumich
wans simpancr
= 10 , 000
( + 05
4
= 10,000 (1 025
.

7
= RM11038 .
13
4
b) P 10000
(I +5)
=
=
10 000
r =
5% = 0 05
E
.

(1
=
10000
0125(
1 4
n =
=
.

= Rm 11044 . 86
t = 2 tchun