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Bab 01 Wang Dan Institusi Kewangan
Bab 01 Wang Dan Institusi Kewangan
DAERAH KLUANG
BAB SATU
WANG DAN
INSTITUSI
KEWANGAN
C. Jenis-Jenis Wang
1. Duit Syiling
SOALAN STRUKTUR
1. Apakah yang dimaksudkan dengan wang?
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2. Emas dan perak pernah dijadikan wang. Duit syiling dan wang kertas merupakan
wang yang digunakan pada masa sekarang. Apakah ciri-ciri wang ini?
i) ______________________________________________________________
ii) ______________________________________________________________
iii) ______________________________________________________________
iv) ______________________________________________________________
v) ______________________________________________________________
vi) ______________________________________________________________
3. Nyatakan dan berikan contoh tiga jenis wang yang ada di Malaysia.
Jenis wang
Contoh
i)
ii)
iii)
4. Terangkan maksud istilah berikut:
i) Wang Sah
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ii) Wang tanda
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Catatan
D. Fungsi-Fungsi Wang
1.
Alat Perantaraan Pertukaran
Satu komoditi perantaraan pertukaran yang boleh diterima umum.
Contoh : Membeli sebuah jam dengan membayar harga jam tersebut.
2.
Alat Ukuran Nilai
ukuran seragam untuk nilai barang dan perkhidmatan
Contoh :Harga sebuah komputer adalah RM3,500.00
3.
Alat Simpanan Nilai
sifatnya yang tahan lama
Contoh : Menyimpan wang di dalam bank
4.
ASPEK
SISTEM WANG
SISTEM BARTER
Perantaraan
Pertukaran
Menyelesaikan masalah
kehendak serentak
Ukuran Nilai
Penyimpan Nilai
Yang Baik
Bayaran
Tertunda
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ii) ________________________________________________________________
iii) ________________________________________________________________
iv) ________________________________________________________________
6. Untuk setiap situasi di bawah, nyatakan fungsi-fungsi wang
Situasi
Fungsi Wang
Seorang pekebun menerima wang daripada jualan sayursayurannya. Wang yang diterima akan digunakan untuk
membeli ikan.
ii)
iii)
iv)
v)
vi)
vii)
viii)
ix)
Kelemahan Sistem
iii)
iv)
10. Untuk setiap pernyataan berikut, nyatakan jenis kelemahan sistem barter yang dihadapi dan ciri
wang yang dapat mengatasinya.
Pernyataan
Kelemahan
Ciri wang yang
sistem barter
dapat
mengatasinya
a) Sanusi mempunyai seekor kambing dan
berkehendakan buah rambutan. Aminah
mempunyai beras dan berkehendakan buah
betik. Pertukaran tidak dapat dijalankan antara
Sanusi dengan Aminah
b) Ternakan perlu dipelihara dan boleh
diserang penyakit. Kekayaan seseorang tidak
sesuai disimpan dalam bentuk ternakan.
ini
SOALAN ESEI
1. Sesuatu benda yang hendak dijadikan wang mesti mempunyai ciri-ciri tertentu. Apakah ciri-ciri wang?
markah]
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2.
Nyatakan dan huraikan empat fungsi wang. [ 8 markah]
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3.
[9
4. Cek dan kad kredit telah digunakan secara meluas dalam sistem ekonomi moden sekarang, tetapi duit syiling
wang kertas masih lagi digunakan. Mengapa? [10 markah]
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5.
Apakah sistem pertukaran yang diamalkan dalam huraian di atas? Mengapakah sistem pertukaran ini tidak
diamalkan pada masa kini?
[11 markah]
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1.2 BANK
Catatan
Tujuan Ditubuhkan
Contoh
Mencari keuntungan
Maybank Berhad
Mencari keuntungan.
Mencari keuntungan
Institusi perbankan yang mengkhusus
dalam penyediaan perkhidmatan
kepada syarikat korporat.
Skim Perbankan
Konvensional
SOALAN STRUKTUR
1. Nyatakan jenis-jenis bank .
i.
ii.
iii.
iv.
2. Terangkan perbezaan antara Skim Perbankan Islam (SPI) dengan Skim Perbankan
Konvensional.
Skim Perbankan Islam
Skim Perbankan Konvensional
3.
a)
b)
c)
Contoh
Public Bank Berhad
Maybank Berhad
Contoh
Citibank Berhad
OCBC Bank Berhad
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Contoh
Bank Islam Malaysia
Berhad
Bank Muamalat
Malaysia Berhad
SOALAN ESEI
1.
Huraikan tiga jenis simpanan yang disediakan oleh Bank Perdagangan [9 markah]
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2. Jelaskan kemudahan overdraf yang disediakan oleh Bank Perdagangan [4 markah]
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3. Berikan tiga persamaan antara Bank Perdagangan dan Bank Saudagar
[6 markah]
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4.
Penubuhan lebih banyak Bank Perdagangan diseluruh negara mewujudkan peluang yang lebih
baik bagi orang ramai menyimpan
(a) Jelaskan tentang jenis deposit yang disediakan oleh Institusi Kewangan tersebut.
[6 markah]
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(b) Terangkan mengapakah individu digalakkan menyimpan.
[7 markah]
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Catatan
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Catatan
SOALAN STRUKTUR
Berdasarkan maklumat atau situasi yang diberi, jawab soalan berikut.
1.
3. Nyatakan tiga cara bank pusat menjaga kestabilan nilai Ringgit Malaysia.
(i)_______________________________________________________________
(ii)_______________________________________________________________
(iii)_______________________________________________________________
SOALAN ESEI
1. Fungsi Bank Pusat ialah mengekalkan kestabilan ekonomi.
(a) Apakah yang dimaksudkan dengan kestabilan ekonomi.
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(b) Bagaimanakah Bank Pusat mengawal kenaikan harga umum dalam ekonomi
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2. Pernyataan di bawah ini berkaitan dengan sejenis bank
Bank X yang diketuai oleh seorang gabenor ditubuhkan untuk mengawasi dan
mengawal pelaksanaan segala dasar serta peraturan kewangan yang telah
ditetapkan.
(a) Nyatakan tiga alat kewangan yang digunakan oleh Bank X dalam menangani ketidakstabilan
ekonomi sesebuah negara
[3 markah]
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(b) Jelaskan bagaimana Bank X berfungsi sebagai jurubank kepada kerajaan
[8 markah]
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Catatan
A. Jenis-jenis institusi kewangan bukan bank
Institusi Kewangan bukan bank terdiri daripada
i)
ii)
iii)
iv)
i)
ii)
Syarikat Insurans
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Catatan
Syarikat Takaful
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Catatan
b) Menggalakkan Tabungan
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Objektif
Lengkapkan rajah di bawah dengan sumbangan institusi kewangan bukan bank terhadap
ekonomi Malaysia.
(c)
(e)
(a)
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Jenis
(a)
(b)
(c)
(d)
Fungsi
(e)______________________________________________________________
(f)______________________________________________________________
(g)______________________________________________________________
(h)______________________________________________________________
Sumbangan
(i)__________________________________________________________________
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(j)__________________________________________________________________
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(k)_________________________________________________________________
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(l)__________________________________________________________________
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SOALAN ESEI
1. Terangkan dua sumbangan Institusi Kewangan Bukan Bank kepada pembangunan ekonomi
Negara. [4 markah]
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2. Terangkan cara institusi kewangan bank menerima deposit. [8 markah]
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