02 Objective / Objektif 2

Adam invested RM 15 000 to buy shares of company A. After a year, he sold all the shares and
received RM 14 000. Calculate the return of investment.
Adam melabur RM 15 000 untuk membeli unit amanah saham A. Selepas setahun, dia menjual semua
unit amanah saham dan mendapat RM14 000. Hitung nilai pulangan pelaburan itu.

1. Choose the correct answer. / Pilih jawapan yang betul.

A 6.67%
B 12.68%
C -6.67%
D -15%

Alice used RM 5 000 to buy shares of company R . During the unit holding period, she received dividen
of RM 120. After a year, she sold all the shares and received RM 5 600. Calculate the return of
investment.
Alice menggunakan RM 5 000 untuk membeli unit amanah saham S. Dia telah mendapat dividen RM
120 dalam tempoh memegang unit itu. Selepas setahun, dia menjual semua unit amanah saham dan
mendapat RM5 600. Hitung nilai pulangan pelaburan itu.

2. Choose the correct answer. / Pilih jawapan yang betul.

A 14%
B 16%
C 20%
D 24%

Raju used RM 9 000 to buy unit trust Q. During the unit holding period, he received dividen of RM 200.
After a year, he sold all the units and received RM 10 500. Calculate the return of investment.
Raju menggunakan RM 9 000 untuk membeli unit amanah saham Q. Dia telah mendapat dividen RM
200 dalam tempoh memegang unit itu. Selepas setahun, dia menjual semua unit amanah saham dan
mendapat RM 10 500. Hitung nilai pulangan pelaburan itu.

3. Choose the correct answer. / Pilih jawapan yang betul.

A 11.4%
B 18.6%
C 18.9%
D 19.2%

Ali wants to get a personal loan RM 40 000 for his car from a bank with the annual interest rate of 6%
and the loan period is 7 years. Calculate the instalment of the personal loan.
Ali ingin membuat pinjaman peribadi sebanyak RM 40 000 daripada bank dengan kadar faedah
tahunan 6% dan tempoh pinjaman ialah 7 tahun. Hitung bayaran ansuran bagi pinjaman peribadi itu.

4. Choose the correct answer. / Pilih jawapan yang betul.

A RM 550
B RM 656
C RM 676
D RM 776

Mr Ali wants to make a personal loan of RM 125 000 from a financial institution with annual interest
of 4%. What is the total repayment for a loan duration of 4 years?
Encik Ali hendak membuat pinjaman peribadi sebanyak RM 125 000 daripada sebuah institusi
kewangan. Diberi kadar faedah tahunan ialah 4%, hitung jumlah bayaran balik jika tempoh pinjaman
ialah 4 tahun.

5. Choose the correct answer. / Pilih jawapan yang betul.

A RM 130 000
B RM 135 000
C RM 135 000
D RM 145 000

Siti wants to get a housing loan RM 220 000 from a bank with the annual interest rate of 4.5% and the
loan period is 15 years. Calculate the instalment of the housing loan.
Siti ingin membuat pinjaman perumahan sebanyak RM 220 000 daripada bank dengan kadar faedah
tahunan 4.5% dan tempoh pinjaman ialah 15 tahun. Hitung bayaran ansuran bagi pinjaman
perumahan itu.

6. Choose the correct answer. / Pilih jawapan yang betul.

A RM 1 047
B RM 2 047
C RM 3 047
D RM 3 147

Fatin wants to make a personal loan of RM 20 000 from bank to start her business with annual
interest of 3.5%. What is the total repayment for a loan duration of 3 years?
Fatin hendak membuat pinjaman peribadi sebanyak RM 20 000 daripada bank untuk memulakan
perniagaannya. Diberi kadar faedah tahunan ialah 3.5%, hitung jumlah bayaran balik jika tempoh
pinjaman ialah 3 tahun.
7. Choose the correct answer. / Pilih jawapan yang betul.
A RM 20 000
B RM 21 000
C RM 22 000
D RM 22 100

Haswati wants to get a personal loan RM 55 000 for from a bank with the annual interest rate of 4%
and the loan period is 5 years. Calculate the instalment of the personal loan.
Haswati ingin membuat pinjaman peribadi sebanyak RM 55 000 daripada bank dengan kadar faedah
tahunan 4% dan tempoh pinjaman ialah 5 tahun. Hitung bayaran ansuran bagi pinjaman peribadi itu.

8. Choose the correct answer. / Pilih jawapan yang betul.

A RM 1 100
B RM 1 150
C RM 1 200
D RM 1 260

Aiman plans to apply for personal loan of RM 60 000 from a bank for 7 years. He wants to use one
fifth of his monthly salary to pay the monthly instalment. His monthly salary is RM 5100. Calculate the
maximum interest rate that he can bear.
Aiman bercadang untuk membuat pinjaman peribadi sebanyak RM 60 000 daripada bank selama 7
tahun. Dia ingin menggunakan satu perlima gajinya untuk membayar ansuran bulanan. Gaji
bulanannya ialah RM 5100. Hitung kadar faedah maksimum yang dia boleh tanggung.

9. Choose the correct answer. / Pilih jawapan yang betul.

A 4.11%
B 5.11%
C 6.11%
D 7.11%

Kavin plans to apply for car loan of RM 90 000 from a bank for 9 years. He wants to use 1/6 of his
monthly salary to pay the monthly instalment. His monthly salary is RM 7200. Calculate the maximum
interest rate that he can bear.
Kavin bercadang untuk membuat pinjaman peribadi sebanyak RM 90 000 daripada bank selama 9
tahun. Dia ingin menggunakan 1/6 gajinya untuk membayar ansuran bulanan. Gaji bulanannya ialah
RM 7200. Hitung kadar faedah maksimum yang dia boleh tanggung.

10. Choose the correct answer. / Pilih jawapan yang betul.

 A 4.8%
B 4.9%
C 5.2%
D 6.2%

Lucy plans to apply for personal loan of RM 45 000 from a bank for 5 years. She wants to use one fifth
of her monthly salary to pay the monthly instalment His monthly salary is RM 4500. Calculate the
maximum interest rate that she can bear.
Aiman bercadang untuk membuat pinjaman peribadi sebanyak RM 45 000 daripada bank selama 5
tahun. Dia ingin menggunakan satu perlima gajinya untuk membayar ansuran bulanan. Gaji
bulanannya ialah RM 4500. Hitung kadar faedah maksimum yang dia boleh tanggung.

11. Choose the correct answer. / Pilih jawapan yang betul.

A 4%
B 2.1%
C 2.2%
D 2.22%

Hassan wants to get a housing loan RM 280 000 from a bank with the annual interest rate of 3.5% and
the loan period is 15 years. Calculate the instalment of the housing loan.
Hassan ingin membuat pinjaman perumahan sebanyak RM 280 000 daripada bank dengan kadar
faedah tahunan 3.5% dan tempoh pinjaman ialah 15 tahun. Hitung bayaran ansuran bagi pinjaman
perumahan itu.

12. Choose the correct answer. / Pilih jawapan yang betul.

A RM 2 372
B RM 2 373
C RM 2 332
D RM 2 345

Amir is taking a housing loan of RM 300 000 for 20 years. He wants to use one sixth of his monthly
salary to pay the monthly instalment. His monthly salary is RM 12 000. Calculate the maximum
interest rate that he can bear.
Amir bercadang untuk membuat pinjaman perumahan sebanyak RM 300 000 daripada bank selama
20 tahun. Dia ingin menggunakan satu perenam gajinya untuk membayar ansuran bulanan. Gaji
bulanannya ialah RM 12 000. Hitung kadar faedah maksimum yang dia boleh tanggung.

13. Choose the correct answer. / Pilih jawapan yang betul.

A 2%
 B 2.25%
C 2.5%
D 3%

Carol plans to apply for personal loan of RM 20 000 for his personal business for 3 years. She wants to
use one sixth of her monthly salary to pay the monthly instalment. Her monthly salary is RM 4800.
Calculate the maximum interest rate that he can bear.
Carol bercadang untuk membuat pinjaman peribadi sebanyak RM 60 000 daripada bank selama 3
tahun. Dia ingin menggunakan satu perlima gajinya untuk membayar ansuran bulanan. Gaji
bulanannya ialah RM 4800. Hitung kadar faedah maksimum yang dia boleh tanggung.

14. Choose the correct answer. / Pilih jawapan yang betul.

A 5.7%
B 10.7%
C 14.7%
D 16.7%

Mrs Katie wants to make a personal loan of RM 100 000 from a financial institution with annual
interest of 3%. What is the total repayment for a loan duration of 5 years?
Puan Katie hendak membuat pinjaman peribadi sebanyak RM 100 000 daripada sebuah institusi
kewangan. Diberi kadar faedah tahunan ialah 3%, hitung jumlah bayaran balik jika tempoh pinjaman
ialah 5 tahun.

15. Choose the correct answer. / Pilih jawapan yang betul.

A RM 105 000
B RM 110 000
C RM 114 000
D RM 115 000