Loan bank

Nurul Sakinah binti Hassan

Siti Nur ‘Ain binti Md Noor
  PLANNING ON THE PERSONAL
BUDGET

PERSONAL BUDGET AMOUNT

Food and Drinks RM 100

Education RM 45
Saving RM100
Others RM 75
TOTAL AMOUNT RM 320
PERSONAL BUDGET
FOR A MONTH
ANNUAL BUDGET = MONTHLY BUDGET X 12

= RM 320 X 12

= RM 3840

Food and Drinks =RM

Education = RM

Saving = RM

Others = RM
 Based on the monthly expenses, we spent
the allowance money RM 430 for food and
drinks that is RM 100.The percentage of food
and drinks from the pie chart is
31.25%.Besides that, we also spent our
money for saving RM 100 so the percentage
is also 31.25%.As a trainee teacher,we need
to buy many reference books and learn’s
sources.So that, we must spent money for our
education payment at least RM 45, so the
percentage is 14.06%.Lastly,the others
23.44% is for our personal budget,such as our
broadband bill, ticket bus payment, clothers
and ect we spent about RM 75.
 MONTHLY INCOME AND
BALANCE IN HAND
MONTHLY INCOME
 Allowance : RM 430
 Monthly Income : RM 430


BALANCE IN HAND PERMONTH



 Monthly Income : RM430

 Total Amount of
 + Personal Budget : RM 320
 Balance In Hand : RM 110

Information About Three
personal loan schemes
 Detail about the three bank that we
had research

• Bank Simpanan National

• Cimb Islamic Bank
• Bank Rakyat

BANK SIMPANAN NATIONAL

year 1-2 3-5

Interest rate 3.5% 4.49%

Loan amount

5000 Rm432 Rm223 Rm158 Rm102

Int erest rat e of 4.49% for 5

years
Loan am ount needed:RM5000

RM224.50

RM 224.50 RM1122.50

RM102.00
CIMB ISLAMIC BANK

YEAR 1 2 3 4 5
MONTH 12 24 36 48 60
INTEREST 0.46%
RATE
LOAN
AMOUNT
5000 444 234 164 129 108

Int erest rat e 0.46% per a m ont h

Loan needed: Rm 5000
Rm 23.00
Rm 23.00 60= RM1380

RM108.00
BANK RAKYAT
YEAR 1 2 3 4 5
MONTH 12 24 36 48 60
INTEREST 4.9% 5.1% 5.1% 5.5% 5.5%
RATE
LOAN
AMOUNT
5000 438 230 161 128 107

Int erest rat e of 5.5% of 5 years

Loan needed RM5000
RM275.00
 COMPARING AND
CONTRASTING BETWEEN
PERSONAL LOAN SCHEMES
Name of
Bank BANK BSN CIMB ISLAMIC BANK BANK RAKYAT
Categories

RM5000 RM 5000 RM 5000

Financing Amount (5 times monthly incomes) (5 times monthly incomes) (up to 5 times monthly
incomes)

4.79% a year till 5 years. 5.5% a year till 5 years.



Profit Rate 5.10% a year till 10 years. 0.46% monthly 5.70% a year till 10 years.


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

Subject to total deductions By “biro angkasa” which monthly deductions not

Payment Capacity not exceeding 60% deduction income is not exceeding 60% of gross
(government) or 50% more than 60% from the monthly income.
(private). monthly income
 Decision on Choosing a
Personal 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 “Bank
Rakyat”. First, it is suitable for our purpose, buying a laptop and
printer 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, with
the money in hand we can pay the loan with our allowance.
Beside, the requirement and qualification is not very hard to we
use this a loan.
 COMPARING LAPTOP AND
5 difference of the price’s lists and brochures of
PRINTER


laptop

Personality
Part number Dell inspiron 1440 Lenovo G450 Acer aspire 4736-G Compaq Presario CQ35- HP Pavilion DV-
series notebook series notebook 216TU 1003AX

Model
Promotion Rm 1899 Rm 2099 Rm2299 Rm2299 Rm2399
price

Remark Intel ® dual core intel® core 2 duo Intel®core 2 duo mobile Intel core 2 duo processor AMD Athlon ™ neo
processor t4300 processor T6600 T6500 T6500 MV-40

Window Windows vista Microsoft window XP Micosoft window XP home Microsoft window vista MS window vista
edition premium premium

Memory (2.1 (2.2Ghz,800MHz , (2.1GHz,2MB (2.1Ghz,800GhzFBS,2M (1.6 GHz,512KB L2

Ghz,800MHz,1MG 2MB cache) cache,800Mhz FSB0 B cache) cache)
cache) 2 GB sata HDD 320GB sata Hard-Disk 320GB sata Hard-Disk 2GB DDR2
320GB sata HDD 4.0GB DDR2 RAM 3.0GB DDR2 Ram Ram,320GB Hard disk

Warranty 3 years 1 year

Free Dell notebook beg Upgrade to 4 RAM
Acer back pack

Other facilities Dell Pc-camera Pc webcam Acer pc-camera 13.3” bright view LCD 12” LCD
DVD super Card reader slot Dvd-rw multi writer PC-Camera Web cam
multiburner Wireless Bluetooth Bluetooth ATI 3410(512MB
Card reader slot Bluetooth enable 5 in 1 card reader intel® pro dedicated video
Wireless lan 56Kbps wireless 3945abg memory)
modem&10/100/1000 LAN Dvd-RW
Bluetooth
Wireless lan
 3 difference of the price’s listd and
brochures of printer
Personality
Model HP deskjet F4280 Canon MP988 Samsung ML-2240

Promotion RM200 RM1588 RM299

price

Warranty 1 year
Print speed 20ppm 8.3/6.6pm 22ppm

Resolution 1200x2400dpi 9600x2400dpi 1200x600dpi

Other facilities Printer Copy Printer only
Scan Scan
Copy Fax
Card direct
  Decision on Choosing a
laptop and printer

 Lenovo G450 Notebook Series

The advantage of this laptop is, it has Intel ® Core 2 Duo

processor T6600 (2.2 Ghz, 800 MHz, 2 MB Cache).Besides, it is
also has display 14.1 “ widescreen WXGA Glossy and the
window is Microsoft Windows Vista Home Premium. It is has
2GB DDR3 SDRAM and 320GB SATA HDD. It also has many
facilities such as Intel® Graphics Accelerator X4500 and the DVD
Super Multiburner.Moreover,it is No.1 PC VENDOR IN UNIT
SHIPMENTS IN ASIA PACIFIC 2008.We also enable to get Wi-Fi
wireless and Bluetooth on this laptop. It also has pc webcam and
card reader slot. The price is only RM 2099 and 0% for interest.
Decision


After we make some surveyed, finally we decide to
choose the LENOVO’sbrand of laptop. The reason why we choose
this brand because the feature and the advantage really exactly
with what we want to have it. First, it is the No.1 PC VENDOR IN
UNIT SHIPMENTS IN ASIA PACIFIC 2008.It also the new brand that
was come out from the LENOVO’s company.Eventhough, the
price of this laptop is not
too expensive, but it is available to have it because of we care
of the laptop. One of the advantage is, it has Intel ® Core 2 Duo
processor T6600 (2.2 GHz, 800 MHz, 2 MB Cache).This laptop
also use Microsoft Window Vista Home Premium that is the
newest window.Besides,the widescreen also wide that easily and
comfortable to us to view the screen. The strong evidence why
we choose this brand is because it has Intel® Graphics
Accelerator X4500, the DVD Super Multiburner, pc webcam and
card reader than the other laptop.
•
 PRINTER MP988
 This printer has many advantages and features than other
printer.First,itis all-in one printer, auto photo fit and dual color
gamut technology, 9600x2400 dpi printing resolution. While max
speed is up to 8.3/ 6.6ipm.Theink droplet size is min. 1pland the
total nozzles is 6144 nozzles. The paper handling is 2 way paper
feeder and the interface is USB 2.0 Hi-Speed, pictBrige,bluetooth
v1.2. The operational panel (display) is 3.5” LCD TFT colour. The
weight of this printer is only 10.7 kg.Besides, the scan technology
is 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 27
sec,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.
 DECISION

 After the discussing, we had to

choose the model CANON MP988.The
reason is because this printer fulfill our
desire that we really want to have a
printer like this .It also easy to handler
because it has push scan,network scan
and auto scan mode. Besides, the price is
also available to us for buy
it.Furthermore,this brand is friendly user
and easy to refill the ink if the ink is
empty.
•
 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 :RM50,00

•
Balance from the purchase :RM5,000– RM3687

:RM 1313.00
•
 So, based on our calculation. We
will have a balance money RM1313.00.
So, we can use the balanced money to
buy the ink of the printer or we can also
make it as a savings.
 The balance of money per
month.

 Allowance given- personal budget-

total of money that we have to pay
 RM 430.00-RM 320.00-RM 107.00= RM
3.00


 So, based on our calculation we still

have RM 3.00. We can saving the money
for our future.
•
 FINAL REPORT

 After we had discussing together, finally we had decision to

choose the loan from the Bank Rakyat to buy the laptop and the
printer. The reason why Bank Rakyat was chosen is because all kind
of 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 laptop
model. The reason why we take this model because nowadays, it is
a famous model for a student. It is not too expensive and we are
effort to pay it with a student price and it is very suitable to
us.Furthermore,this model is very easy to find the place to service
it.
 For the printer we had choose from the model CANON. It is
because 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 a
student to buy it.Finally,we had the right chosen to buy the best
bank that is Bank Rakyat to make a loan before we buy the laptop
and printer.