Presenntation Loan Bank - BMT 2009

8/14/2019 Presenntation Loan Bank - BMT 2009

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Loan bankNurul Sakinah binti HassanSiti Nur Ain binti Md Noor


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PLANNING ON THE PERSONALPLANNING ON THE PERSONALBUDGETBUDGET


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PERSONAL BUDGET AMOUNT

Food and Drinks RM 100

Education RM 45

Saving RM100

Others RM 75

TOTAL AMOUNT RM 320


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PERSONAL BUDGETPERSONAL BUDGETFOR A MONTHFOR A MONTH


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ANNUAL BUDGET = MONTHLY BUDGET X 12

= RM 320 X 12

= RM 3840

Food and Drinks =RM

Education = RM

Saving = RM

Others = RM


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Based on the monthly expenses, we spentthe allowance money RM 430 for food anddrinks that is RM 100.The percentage of foodand drinks from the pie chart is31.25%.Besides that, we also spent ourmoney for saving RM 100 so the percentage

is also 31.25%.As a trainee teacher,we needto buy many reference books and learnssources.So that, we must spent money for oureducation payment at least RM 45, so thepercentage is 14.06%.Lastly,the others23.44% is for our personal budget,such as ourbroadband bill, ticket bus payment, clothersand ect we spent about RM 75.


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MONTHLY INCOME ANDBALANCEBALANCE IN HAND

MONTHLY INCOMEAllowance : RM 430Monthly Income : RM 430

BALANCE IN HAND PERMONTH

Monthly Income : RM430 Total Amount of

+ Personal Budget : RM 320Balance In Hand : RM 110


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Information About ThreeInformation About Threepersonal loan schemespersonal loan schemes


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Detail about the three bank that wehad research

Bank Simpanan National Cimb Islamic Bank Bank Rakyat


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BANK SIMPANAN NATIONAL

year 1-2 3-5

Interest rate 3.5% 4.49%

Loan amount

5000 Rm432 Rm223 Rm158 Rm102

Interest rate of 4.49% for 5years

Loan am ount needed:RM5000

RM224.50

RM 224 .50 RM1122.50

RM102.00


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CIMB ISLAMIC BANK

YEAR 1 2 3 4 5MONTH 12 24 36 48 60

INTERESTRATE

0.46%

LOANAMOUNT5000 444 234 164 129 108

Int erest r ate 0.46% per a m onthLoan needed: Rm 5000

Rm23.00

Rm 23 .0 0 60 = RM1 38 0

RM108.00


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BANK RAKYAT

YEAR 1 2 3 4 5MONTH 12 24 36 48 60INTERESTRATE

4.9% 5.1% 5.1% 5.5% 5.5%

LOANAMOUNT

5000 438 230 161 128 107

Int erest rate of 5.5% of 5 y earsLoan needed RM5000

RM275.00


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COMPARING ANDCOMPARING ANDCONTRASTING BETWEENCONTRASTING BETWEEN

PERSONAL LOAN SCHEMESPERSONAL LOAN SCHEMES


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Name of Bank Categories

BANK BSN CIMB ISLAMIC BANK BANK RAKYAT

Financing AmountRM5000(5 times monthly incomes)

RM 5000(5 times monthly incomes)

RM 5000(up to 5 times monthlyincomes)

Profit Rate4.79% a year till 5 years.5.10% a year till 10 years. 0.46% monthly

5.5% a year till 5 years.5.70% a year till 10 years.

Average of Age 21 58 years old 18 58 years old 18 58 years old

Payment CapacitySubject to total deductionsnot exceeding 60%(government) or 50%(private).

By biro angkasa whichdeduction income is notmore than 60% from themonthly income

monthly deductions notexceeding 60% of grossmonthly income.


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Decision on Choosing aPersonal Loan

LOAN From our searching, we have made our

last decision to choose Bank Rakyat

as the best to do personal loan. DECISION

There are many benefits of being the loaner in BankRakyat. First, it is suitable for our purpose, buying a laptop andprinter for our personal using that is not false in Islam but for our

convenience and security. The interest for Bank Rakyat of 5.5% for 5 year. The payment for 1 month just RM107.00. Moreover, withthe money in hand we can pay the loan with our allowance.Beside, the requirement and qualification is not very hard to weuse this a loan.


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COMPARING LAPTOP ANDCOMPARING LAPTOP ANDPRINTERPRINTER5 difference of the prices lists and brochures of laptop


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Personality

Part number Dell inspiron 1440series

Lenovo G450notebook series

Acer aspire 4736-Gnotebook

Compaq Presario CQ35-216TU

HP Pavilion DV-1003AX

Model

Promotion price

Rm 1899 Rm 2099 Rm2299 Rm2299 Rm2399

Remark Intel dual core processor t4300

intel core 2 duo processor T6600

Intelcore 2 duo mobileT6500

Intel core 2 duo processor T6500

AMD Athlon neoMV-40

Window Windows vista Microsoft window XP Micosoft window XP homeedition

Microsoft window vista premium

MS window vista premium

Memory (2.1Ghz,800MHz,1MGcache)320GB sata HDD

(2.2Ghz,800MHz ,2MB cache)2 GB sata HDD

(2.1GHz,2MBcache,800Mhz FSB0320GB sata Hard-Disk 4.0GB DDR2 RAM

(2.1Ghz,800GhzFBS,2MB cache)320GB sata Hard-Disk 3.0GB DDR2 Ram

(1.6 GHz,512KB L2cache)2GB DDR2Ram,320GB Hard disk

Warranty 3 years 1 year

Free Dell notebook beg Upgrade to 4 RAMAcer back pack

Other facilitiesDell Pc-cameraDVD super multiburner Card reader slotWireless lan

Pc webcamCard reader slotWirelessBluetooth enable

Acer pc-cameraDvd-rw multi writer Bluetooth5 in 1 card reader 56Kbpsmodem&10/100/1000 LAN

13.3 bright view LCDPC-CameraBluetoothintel prowireless 3945abg

12 LCDWeb camATI 3410(512MBdedicated videomemory)Dvd-RWBluetoothWireless lan


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3 difference of the prices listd andbrochures of printer

Personality

Model HP deskjet F4280 Canon MP988 Samsung ML-2240

Promotionprice

RM200 RM1588 RM299

Warranty 1 year

Print speed 20ppm 8.3/6.6pm 22ppm

Resolution 1200x2400dpi 9600x2400dpi 1200x600dpi

Other facilities Printer ScanCopy

CopyScanFaxCard direct

Printer only


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Decision on Choosing aDecision on Choosing a

laptop and printerlaptop and printer


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The advantage of this laptop is, it has Intel Core 2 Duoprocessor T6600 (2.2 Ghz, 800 MHz, 2 MB Cache).Besides, it is

also has display 14.1 widescreen WXGA Glossy and thewindow is Microsoft Windows Vista Home Premium. It is has2GB DDR3 SDRAM and 320GB SATA HDD. It also has manyfacilities such as Intel Graphics Accelerator X4500 and the DVDSuper Multiburner.Moreover,it is No.1 PC VENDOR IN UNITSHIPMENTS IN ASIA PACIFIC 2008.We also enable to get Wi-Fiwireless and Bluetooth on this laptop. It also has pc webcam andcard reader slot. The price is only RM 2099 and 0% for interest.

Lenovo G450 Notebook Series


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Decision

After we make some surveyed, finally we decide tochoose the LENOVOsbrand of laptop. The reason why we choosethis brand because the feature and the advantage really exactlywith what we want to have it. First, it is the No.1 PC VENDOR INUNIT SHIPMENTS IN ASIA PACIFIC 2008.It also the new brand thatwas come out from the LENOVOs company.Eventhough, theprice of this laptop is not

too expensive, but it is available to have it because of we careof the laptop. One of the advantage is, it has Intel Core 2 Duoprocessor T6600 (2.2 GHz, 800 MHz, 2 MB Cache).This laptopalso use Microsoft Window Vista Home Premium that is thenewest window.Besides,the widescreen also wide that easily andcomfortable to us to view the screen. The strong evidence whywe choose this brand is because it has Intel GraphicsAccelerator X4500, the DVD Super Multiburner, pc webcam and

card reader than the other laptop.


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PRINTER MP988 This printer has many advantages and features than other

printer.First,itis all-in one printer, auto photo fit and dual colorgamut technology, 9600x2400 dpi printing resolution. While maxspeed is up to 8.3/ 6.6ipm.Theink droplet size is min. 1pland thetotal nozzles is 6144 nozzles. The paper handling is 2 way paperfeeder and the interface is USB 2.0 Hi-Speed, pictBrige,bluetoothv1.2. The operational panel (display) is 3.5 LCD TFT colour. Theweight of this printer is only 10.7 kg.Besides, the scan technologyis CIS with the optical resolution is 4800x9600dpi and scanning bit

depth 48/ 8bit (Grayscale)/ 48/ 24bit (Colour).The other features of this printer is it has push scan, auto scan mode, network scan,35mm x 6frames (positive/negetif/film), 35mm x 4 frames(mounted slide). Furthermore, for the copy speed (colour) is 27sec,the reduction or enlargement is fit to page copy and 25%-400%. The multiple copies is max.99 pages. The price is about RM

1588.


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DECISION

After the discussing, we had tochoose the model CANON MP988.Thereason is because this printer fulfill our

desire that we really want to have aprinter like this .It also easy to handlerbecause it has push scan,network scanand auto scan mode. Besides, the price isalso available to us for buyit.Furthermore,this brand is friendly userand easy to refill the ink if the ink isempty.


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General calculation/general budget

The price of the laptop and the computer is about:- The price of the laptop + the price of the printer

:RM 3687.00

Money from the personal loan :RM50,00Balance from the purchase :RM5,000 RM3687

:RM 1313.00


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So, based on our calculation. Wewill have a balance money RM1313.00.

So, we can use the balanced money tobuy the ink of the printer or we can alsomake it as a savings.


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The balance of money permonth.

Allowance given- personal budget-total of money that we have to pay

RM 430.00-RM 320.00-RM 107.00= RM3.00

So, based on our calculation we stillhave RM 3.00. We can saving the moneyfor our future.


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FINAL REPORT

After we had discussing together, finally we had decision tochoose the loan from the Bank Rakyat to buy the laptop and theprinter. The reason why Bank Rakyat was chosen is because all kindof people in Malaysia. Moreover, it is the best and suitable bank to

us as a student to make a loan. We had choose the LENOVO laptopmodel. The reason why we take this model because nowadays, it isa famous model for a student. It is not too expensive and we areeffort to pay it with a student price and it is very suitable tous.Furthermore,this model is very easy to find the place to serviceit.

For the printer we had choose from the model CANON. It isbecause the canon is the friendly user and easy to refill the ink if the ink was empt.Besides that, the price is also available to us as astudent to buy it.Finally,we had the right chosen to buy the bestbank that is Bank Rakyat to make a loan before we buy the laptopand printer.

Documents

Presenntation Loan Bank - BMT 2009