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Matematik Tingkatan 3 Bab 3
(b) Encik Lee menyimpan RM2 000 di sebuah bank. Berapakah jumlah simpanan Encik Lee selepas 1 tahun
jika kadar faedah mudah yang diberikan ialah
Mr Lee deposits RM2 000 in a bank. What is the total amount of Mr Lee's savings after 1 year if the simple interest rate given is
(i) 2% setahun/ 2% per annum (ii) 3% setahun/ 3% per annum
(i) Jumlah simpanan/ Total savings (ii) Jumlah simpanan/ Total savings
= prinsipal + faedah / principal + interest = prinsipal + faedah / principal + interest
2
3
2
1
1
2
= 2 000 + 2 000 × 100 × 1 = 2 000 + 2 000 × 100 × 1
= 2 000 + 40 = 2 000 + 60
= RM2 040 = RM2 060

Bagi prinsipal yang sama, apabila kadar faedah bertambah, jumlah simpanan akan bertambah .
For the same principal, when the interest rates increase, the total savings will increase .

(c) Pada awal tahun, Encik Jaafar menyimpan RM15 000 dalam suatu akaun simpanan tetap dengan kadar
faedah 4% setahun. Berapakah jumlah wang dalam akaun simpanan tetapnya pada akhir tahun jika
faedah dikompaun
At the beginning of the year, Encik Jaafar saves RM15 000 in a fixed deposit account with the interest rate of 4% per annum. How
much money is in his fixed deposit account at the end of the year if interest is compounded
(i) setiap setengah tahun/ half yearly (ii) setiap suku tahun/ quarterly

(i) dikompaunkan 6 bulan sekali, n = 2 (ii) dikompaunkan 3 bulan sekali, n = 4
compounded once every 6 months compounded once every 3 months
r
r
1
1
MV = P 1 + n 2 nt MV = P 1 + n 2 nt
1
1
= 15 000 1 + 0.04 2 2(1) = 15 000 1 + 0.04 2 4(1)
2
4
= RM15 606 = RM15 609.06
Apabila kekerapan pengkompaunan bertambah, nilai masa hadapan simpanan akan bertambah .
When the compounding frequency increases, the future value of savings will increase .

6. Bulatkan jawapan yang betul. SP 3.1.2 TP2 i-Think Peta Pelbagai Alir
i-Think
i-Think
Circle the correct answers.
Tempoh yang lebih panjang Tinggi / Rendah
Longer period
Higher / Lower
(a) (a) Tip Penting
Nilai masa hadapan
Nilai masa merujuk kepada nilai
Kadar faedah atau pulangan (b) hadapan (b) Tinggi / Rendah sejumlah wang yang
yang lebih rendah simpanan terkumpul pada masa
Lower rate of interest or return Future value Higher / Lower depan.
of savings Future value refers to the
value of the amount of money
(c) (c) accumulated in the future.
Pengkompaunan yang Tinggi / Rendah
lebih kerap
Compounded more frequent Higher / Lower

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