Presenntation Loan Bank - BMT 2009
-
Upload
sakinah-hassan -
Category
Documents
-
view
217 -
download
0
Transcript of Presenntation Loan Bank - BMT 2009
-
8/14/2019 Presenntation Loan Bank - BMT 2009
1/27
Loan bankNurul Sakinah binti HassanSiti Nur Ain binti Md Noor
-
8/14/2019 Presenntation Loan Bank - BMT 2009
2/27
PLANNING ON THE PERSONALPLANNING ON THE PERSONALBUDGETBUDGET
-
8/14/2019 Presenntation Loan Bank - BMT 2009
3/27
PERSONAL BUDGET AMOUNT
Food and Drinks RM 100
Education RM 45
Saving RM100
Others RM 75
TOTAL AMOUNT RM 320
-
8/14/2019 Presenntation Loan Bank - BMT 2009
4/27
PERSONAL BUDGETPERSONAL BUDGETFOR A MONTHFOR A MONTH
-
8/14/2019 Presenntation Loan Bank - BMT 2009
5/27
ANNUAL BUDGET = MONTHLY BUDGET X 12
= RM 320 X 12
= RM 3840
Food and Drinks =RM
Education = RM
Saving = RM
Others = RM
-
8/14/2019 Presenntation Loan Bank - BMT 2009
6/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
7/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
8/27
Information About ThreeInformation About Threepersonal loan schemespersonal loan schemes
-
8/14/2019 Presenntation Loan Bank - BMT 2009
9/27
Detail about the three bank that wehad research
Bank Simpanan National Cimb Islamic Bank Bank Rakyat
-
8/14/2019 Presenntation Loan Bank - BMT 2009
10/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
11/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
12/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
13/27
COMPARING ANDCOMPARING ANDCONTRASTING BETWEENCONTRASTING BETWEEN
PERSONAL LOAN SCHEMESPERSONAL LOAN SCHEMES
-
8/14/2019 Presenntation Loan Bank - BMT 2009
14/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
15/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
16/27
COMPARING LAPTOP ANDCOMPARING LAPTOP ANDPRINTERPRINTER5 difference of the prices lists and brochures of laptop
-
8/14/2019 Presenntation Loan Bank - BMT 2009
17/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
18/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
19/27
Decision on Choosing aDecision on Choosing a
laptop and printerlaptop and printer
-
8/14/2019 Presenntation Loan Bank - BMT 2009
20/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
21/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
22/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
23/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
24/27
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
-
8/14/2019 Presenntation Loan Bank - BMT 2009
25/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
26/27
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.
-
8/14/2019 Presenntation Loan Bank - BMT 2009
27/27
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.