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Mathematics Form 3 Chapter 3 Consumer Mathematics: Saving and Invesments, Credits and Debts Mathematics Form 3 Chapter 3 Consumer Mathematics: Saving and Invesments, Credits and Debts

PT3 Standard Practice 3 3. Answer: D Section C HOTS Challenge
4. Answer: D 1. (a) Finance charge
Section A
5. P = RM230, r = 5.5% = 0.055 = RM900 × 1.5 × 48
1. Answer: C 100 30 (a) Total repayment
Interest = RM177.10 = RM90 000 + (RM90 000 × 0.034 × 8)
2. Initial capital Interest = Prt = RM21.60 = RM114 480
= (RM2.05 × 6 000) + (RM1.00 × 2 700) 177.10 = 230(0.055)t Late payment charge RM114 480
= RM15 000 Instalment =
177.10 = 12.65t = (RM900 + RM21.60) × 1% 8 × 12
Dividend t = 14 years = RM9.22 = RM1 192.50
= RM135 × 3 Answer: B Late payment charge = RM10.00 0.034 1(8)

= RM405 (b) Matured value = RM10 000 1 + 1 
6. Finance charge Current amount in November statement
Capital gains 1.5 50 = RM900 + RM21.60 + RM10 = RM13 066.65
= RM16 500 – RM15 000 = RM1 200 × 100 × 30 = RM931.60 Car loan interest for RM10 000
= RM1 500 = RM30 = RM10 000 + (10 000 × 0.034 × 8)
5
Total returns Late payment charge (b) P = RM20 000, r = 100 per annum, = RM12 720
= RM1 500 + RM405 = (RM1 200 + RM30) × 1% t = 3 years Shamsiah should not use the money in fixed
= RM1 905 = RM12.30 (i) Half yearly, n = 2 deposit account because the interest gained
1 905

ROI = × 100 Total outstanding in August 0.05 2(3) in fixed deposit account is higher than the
15 000 = RM20 000 1 + 2  interest in car loan.
= 12.7% = RM1 200 + RM30 + RM12.30
= RM1 242.30 = RM23 193.87
Answer: A
Answer: C (ii) Quarterly, n = 4

= RM20 000 1 + 0.05  4(3)
4
Section B = RM23 215.09
1. Simple interest Simple interest (c) Down payment
Prinsipal Total savings
Prinsipal rate per annum Duration rate Jumlah simpanan = RM3 699 × 10%
Tempoh
(RM) Kadar faedah mudah Faedah mudah (RM) = RM369.90
setahun diperoleh
Amount financed
(a) 365 000 6.8% 1 year I = 24 820 389 820 = RM3 699 – RM369.90
(b) 2 500 14.3% 4months I = 119.17 2 619.17 = RM3 329.10
4 Bulan Finance charges
= 8% × RM3 329.10
= RM266.33
2. Savings How easily a savings or an asset can be converted into cash.
Simpanan Keupayaan simpanan atau aset diubah menjadi wang tunai.
An action of gaining profit in the future from income and capital
Investment gain.
Pelaburan Tindakan mendapat pulangan pada masa hadapan melalui pendapatan dan
keuntungan modal.

Liquidity Money that is kept in the bank or other than bank like piggy
Kecairan bank.
Wang yang disimpan di bank mahupun bukan bank seperti dalam tabung.

Interest Charge on the money borrowed or invested.
Faedah Caj ke atas wang yang dipinjam atau dilaburkan.

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BOOKLET ANS MATH F3.indd 8 03/01/2020 10:20 AM