1 Cari nilai bagi 26.

Find the value of 26.

A 12
B 32
C 64
D 72

5
2 𝑥4 =
4
A √𝑥 5
5
B √𝑥 4
1
C 4
√𝑥 5
1
D 5
√𝑥 4

1 5
3 (– 4) =

1
A –
20
1
B –
1024
1
C
20
1
D
1024
 𝑏
3
4 √274 = 𝑎 𝑐
A a = 3, b = 27, c = 4
B a = 3, b = 4, c = 27
C a = 27, b = 4, c = 3
D a = 27, b = 3, c = 4

5 Antara berikut yang manakah tidak bersamaan dengan 64?

Which of the following is not equal to 64?
A 26
B 43
C 82
D 34

2 Bundarkan 36 587 betul kepada dua angka bererti.

Round off 36 587 correct to 2 significant figures.
A 36
B 37
C 36 000
D 37 000

7 Tukarkan 2.04 × 10–2 sebagai nombor tunggal.

Convert 2.04 × 10–2 as a single number.
A 0.204
B 0.0204
C 0.00204
D 0.000204

8 Antara berikut, nombor yang manakah mempunyai 3 angka bererti?

Which of the following numbers has 3 significant figures?
A 0.01056
B 16.003
C 3.1900
D 80012
9 Bundarkan 0.0070045 kepada 3 angka bererti.
Round off 0.0070045 correct to 3 significant figures.
A 0.007
B 0.00700
C 0.007004
D 0.0070045

10 Tukarkan 0.00427 dalam bentuk piawai.

Convert 0.00427 in standard form.
A 0.427 × 10–2
B 42.7 × 10–4
C 4.27 × 10–3
D 4.3 × 10–3

11. Encik Tan keeps RMx in savings account at 3.5% per annum.
The amount of Encik Tan's saving after he has saved for 6
years is RM36 300. Calculate the value of x.

a) A. RM20 000 b) B. RM25 000

c) C. RM30 000 d) D. RM35 000

12. Puan Zakiah makes a personal loan of RM30 000 from a

bank with interest rate of 6% per annum. The refund period
is for 8 years. What is the monthly installment payable by
Puan Zakiah?

a) A. RM442.50 b) B. RM450.00
c) C. RM462.50 d) D. RM470.00

13. The meaning of Risk is

a) A. simple interest b) B. total money deposited

c) C. possibility of gaining pro t d) D. possibility of loss

14. The following are the weaknesses of credit card usage

except

a) A. easy to spend exceeding ability b) B. easy to use for cashless payment

c) C. could be imposed interest and other d) D. excessive loan

charges
15. Puan Aisah wants to invest RM20 000 in AMN Unit Trust.
She uses cost averaging strategy for her investment. She
spends RM5 000 each month for four months to buy the
shares of the unit trust.Table 1 shows the purchase prices
of unit trust bought by Puan Aisah.Calculate the total
number of shares bought by Puan Aisah.

a) A. 51200 b) B. 50100

c) C. 7989 d) D. 7987

16. Sammy bought unit trusts worth RM10 000. After two years,
Sammy sold all the unit trusts. He received RM10 600.
During two years of holding the unit trusts, he received
RM800 dividend. Calculate the return on investment of
Sammy.

a) A. 6% b) B. 8%
c) C. 12% d) D. 14%

17. Encik Rahim bought a house for RM380 000 in cash. He sold
the house for RM620 000 after 5 years. The total amount of
the charges involved in the transaction is RM42
000.Calculate the return of investment of Encik Rahim.

a) A. 49.5% b) B. 52.1 %

c) C. 56.9% d) D. 74.2%

18. Chong used credit card to make a payment of RM2500. He

didn’t make any repayment after he received the monthly
statement. It is given that the nance charge and late
payment charge are 15% per annum and 1% of the
outstanding balance respectively. Find the total outstanding
balance on next month.

a) A. RM2 500.00 b) B. RM2 525.00

c) C. RM2 531.25 d) D. RM2 556.25

19. Aina bought RM2 500 electrical appliances using a credit
card.Below are some of the terms and conditions of the
credit card. Minimum payment : 3% of the credit Annual
interest rate : 15% Late payment fee : rm10If the payment
due date of the card is 14th May 2019, and Aina makes a
payment of RM200 after 14 May 2019, what is her
outstanding balance in June?

a) A. RM2 341.25 b) B. RM2 331.25

c) C. RM2 131.25 d) D. RM2 338.75

20. Questions 10 and 11 based on Table 2.The following Table

2 shows the investments of Mr Sam in property and stock
exchange.What is the pro t of the stocks investments?

a) A. RM10 000 b) B. RM40 000

c) C. RM66 666 d) D. RM200 000

21. Based on the previous table, calculate the return on

investments of the shop house.

a) A. 44.4% b) B. 33.3%
c) C. 22.5% d) D. 14.4%

22. At the beginning of a year, Mrs Cheng saves RM15 000 in

her savings account with a rate of 4% per annum and
compounded every 6 months. What is Mrs Cheng’s total
savings at the end of the third year?

a) A. RM15 892 b) B. RM16 892

c) C. RM17 892 d) D. RM18 892

23. Diagram 3 shows the selling price and down payment of a
smartphone.Ahmad wants to buy the smartphone. He
makes the down payment using credit card and the balance
is paid in monthly instalment. What is the total interest to
be paid by Ahmad?

a) A. RM131.10 b) B. RM157.10
c) C. RM262.20 d) D. RM285.20

24. Krishnan gets a personal loan from Bank K with a at

interest rate of 8% per annum. If he repays over 5 years
with a monthly instalment of RM400, how much personal
loan does he get?

a) A. RM15 556 b) B. RM20 488

c) C. RM60 000 d) D. RM210 000

25. Mr Yeong has RM40 000 and invests consistently on a

quarterly basis RM10 000 to buy shares. Table 4 shows the
share price bought by Mr Yeong in year 2018.Calculate the
average cost per share unit.

a) A. RM0.48 b) B. RM1.92

c) C. RM1.93 d) D. RM1.94

Section B

1 Tuliskan ‘Benar’ atau ‘Palsu’.

Write ‘True’ or ‘False’.
[3 markah / marks]
Jawapan / Answer :

(i) (53)10 = (56)5

(ii) (34)2 = (34)4

(iii) (72)5 = (492)6

2 Padankan dengan nilai yang betul.
Match with the correct values.
[3 markah / marks]
Jawapan / Answer :

3
16
325

2
9
2435

2
8
643

3 Padankan kepada nombor tunggal.

Match to single number.
[2 markah / marks]
Jawapan / Answer :

0.5028

5.028 × 102 0.05028

5.028 × 10–2 50.28

502.8

4 Lengkapkan jadual di bawah.

Complete the table below.
[2 markah / marks]
Jawapan / Answer :

Nombor tunggal / Single number Bentuk piawai / Standard form

0.0000946

602 000
5 Permudahkan.
Simplify.
(𝑎2 𝑏3 )4
(i) [1 markah / mark]
(𝑎3 𝑏2 )3

(4𝑥 3 𝑦2 )3
(ii) [1 markah / mark]
(2𝑥 –2 𝑦)4 × (10𝑥 5 𝑦)2

Jawapan / Answer :

6 Hitung nilai x bagi persamaan di bawah.

Calculate the value of x for the equation below.

6x × 36x + 4 ÷ 65 = 1
[3 markah / marks]
Jawapan / Answer :

7 Hitung nilai yang berikut.

Calculate the value of the following.
2
(i) 8–1 × 2163
[2 markah / marks]
2
(ii) 325 ÷ 5−2
8 Hitung nilai y bagi persamaan yang berikut.
Calculate the value of y for the following equations.
(i) 8 × 2y + 3 = 45 [2 markah / marks]

y
312
(ii) 9 = [2 markah / marks]
272y

Jawapan / Answer :

1
9 Hitungkan √5 × 202 ÷ 50 tanpa menggunakan kalkulator.
1
Calculate √5 × 202 ÷ 50 without using a calculator.
[4 markah / marks]
Jawapan / Answer :

10 Tentukan bilangan angka bererti bagi nombor di bawah.

Determine the number of significant figures for the numbers below.
(i) 0.01006 [1 markah / mark]
(ii) 74 003 [1 markah / mark]
(iii) 3.8900 [1 markah / mark]
Jawapan / Answer :
(i)
(ii)
(iii)
 11 Bundarkan 16.008 kepada bilangan angka bererti berikut.
Round off 16.008 to the following significant figures.
(i) 1 angka bererti / significant figure
(ii) 2 angka bererti / significant figures
(iii) 4 angka bererti / significant figures
[3 markah / marks]
Jawapan / Answer :
(i)
(ii)
(iii)

12 18.09 × 105 ÷ 3.6 × 10–8 =

Ungkapkan jawapan dalam bentuk piawai betul kepada 3 angka bererti.
Express the answer in standard form correct to 3 significant figures.
[3 markah / marks]
Jawapan / Answer :
13 Sebuah syarikat membeli 1.02 × 104 gelas pada suatu hari. Didapati sebanyak 5%
daripada gelas itu telah retak. Gelas yang masih elok dijual dengan harga RM10 sebiji.
Hitung jumlah jualan kesemua gelas yang elok dalam bentuk piawai.
A company bought 1.02 × 104 glasses in one day. It is found 5% of the glass are cracked.
The glasses in good condition are sold at a price of RM10 per piece. Calculate the total
sales of all the good condition glasses in standard form.
[3 markah / marks]
Jawapan / Answer :

14 Rajah di bawah menunjukkan sebuah kuboid.

The diagram below shows a cuboid.

Hitung jumlah luas permukaan, dalam cm2, kuboid itu. Berikan jawapan dalam bentuk
piawai.

Calculate the total surface area, in cm2, of the cuboid. Give the answer in standard form.
[3 markah / marks]
Jawapan / Answer :
 CHAPTER 3 : Consumer Mathematics

1. Albert meminjam sebanyak RM20 000 dari Bank A dengan kadar faedah mudah 3.15 %
setahun bagi 5 tahun. Manakala, Rohana meminjam amaun yang sama dari Bank Q
dengan kadar faedah mudah 4% setahun bagi 5 tahun. Nyatakan perbezaan antara
jumlah faedah yang dibayar oleh Albert dan Rohana.
Albert borrows RM20 000 from Bank A with simple interest 3.15% per annum for 5
years. Mean while, Rohana borrows the same amount from Bank Q with simple interest
of 4% per annum for 5 years. State the difference of interest amount paid between
Albert and Rohana.
[3 markah/ 3 marks]
Jawapan/Answer :

2. Pada awal tahun 2020, Encik Karim menyimpan RM25 000 dalam akaun simpanan
dengan kadar mudah 3.25% setahun dan pengkompaunan setiap 3 bulan. Berapakah
jumlah faedah yang diperolehi oleh Encik Karim pada awal tahun 2028?
Early 2020, Mr Karim saves RM25 000 in a saving account with 3.25% per annum and
compounded every 3 months. What is the matured value obtained by Mr Karim on early
2028?
[3 markah/ 3 marks]
Jawapan/Answer :
3. Encik Ramesh membeli sebuah kereta dengan harga RM59 670. Dia membayar 10%
deposit dan selebihnya dia membayar secara ansuran kepada bank sebanyak RM784. 77
sebulan selama 7 tahun. Hitungkan kadar faedah, dalam %, dalam setahun.
Mr Ramesh bought a car with a price RM59 670. He paid 10% deposit and pay monthly
instalment of RM784. 77 per month for 7 years. Calculate the loan interest, in %, per
annum.
[4 markah/ 4 marks]
Jawapan/Answer :

4. Uda dan Dara sama-sama hendak melabur sebanyak RM50 000. Uda melabur RM50
000 secara sekali gus dengan membeli saham Syarikat Usahasama yang berharga
RM2.50 seunit. Manakala Dara melabur dalam saham RMlO 000 sebulan selama 5
bulan berturut-turut. Nilai harga saham seunit pada setiap bulan adalah seperti berikut;
Both Uda and Dara want to invests RM50 000. Uda invested a total of RM50 000 lump
sum to buy Syarikat Usahasama shares with the price of RM2.50. Meanwhile, Dara
invest RMI 0 000 monthly for 5 months consecutively. The share's price for each month
is shown below;

Bulan
Jan Feb Mac April Mei
Month
Harga seunit (RM)
2.50 2.80 2.00 1.90 1.85
Price per unit (RM)

Cari perbezaan unit saham yang dimiliki oleh Uda dan Dara.
Find the different share units own by Uda and Dara.
[4 markah/ 4 marks]
Jawapan/Answer :
5. Sarah membeli sebuah rumah yang mempunyai 3 bilik tidur dengan harga RM150 000
dan menyewakan setiap bilik rumahnya dengan harga RM180 sebilik. Setiap tahun dia
memperuntukan RMlO 000 untuk kos pembaikan rumah. Selepas 15 tahun, Sarah
menjual rumah itu dengan harga RM250 000. Hitungkan nilai pulangan pelaburannya.
Sarah bought a house with 3 bedrooms with a price of RM150 000 and rented each
room for RMI 80 per room. Each year she allocates RMI 0 000 for repairs cost. After 15
years, Sarah decides to sale the house for RM250 000. Calculate her returns on
investment.
[3 markah/3 marks]
Jawapan/Answer
6. Dora menerima penyata kad kredit untuk bulan Mei 2021 dari Bank Amsara seperti
berikut:
Dora received her credit card statement or Ma 2021 rom Amsara Bank as below;
BANKAMSARA
DoraHepi
Beaufort
Tarikh Penyata Tarikh Akhir Pembayaran
Statement Date Payment Due Date
28/04/2021 15/05/2021

Tarikh Transaksi Deskripsi Transaksi Jumlah (RM)

Transaction Date Transaction Description Amount(RM)
Baki lalu / Previous Balance 4572.61
07/04/2021 GHypermarket 230.50
14/04/2021 Bayaran Balik / Payment 1500.00
28/04/2021 Faedah dikenakan / Interest CharJ?e 49.55
Jumlah / Total p

(a) Hitungkan nilai P

Calculate the value of P. [2 markah/2 marks]
(b) Berapakah bayaran minimum yang hams dibayar oleh Dora jika pengguna kad
kredit boleh membayar minima 5% atas baki?
What is the minimum payment needed to be paid by Dora? [2 markah/marks]
(c) Sekiranya Dora tidak membuat sebarang pembayaran pada bulan Mei tetapi
membayar sebanyak RM2 500 pada bulan Jun, hitungkan baki yang perlu dibayar
pada bulan berikutnya jika dia dikenakan 18% setahun atas baki .
IfDora did not make any payment in May but make the payment in Jun for RM2 500,
calculate the amount she need to pay in the following month if she is charged 18%
per annum on debt. [3 markah/3 marks]

Jawapan/Answer
(a)

(b)

(c)
7. Puan Sandara membeli sebuah kereta dengan harga RM42 898. Bank menawarkan 3
pakej pembayaran seperti berikut:
Mrs. Sandara want to buy a car with the price ofRM42 898. The bank offers 3 packages
as below;

Pakej A Pakej B
Package A PackageB
Deposit: 10% Deposit: 10%
Deposit: 10% Deposit: 10%

Faedah: 3.5% setahun Faedah: 3.5% setahun

Interest: 3.5% per annum Interest: 3.5% per annum

Tempoh pinjaman: 7 tahun Tempoh pinjaman: 9 tahun

Loan tenure: 7 years Loan tenure: 9 years

Pakej C
PackageC
Deposit: 0%
Deposit: 0%

Tempoh pinjaman: 9 tahun

Loan tenure: 9 years

Ansuran: RM540
Monthlv instalment: RM540

Pakej manakah yang patut dipilih oleh Puan Sandara. Jelaskan alasan anda.
Which package should Mrs. Sandara choose? Give your reason.
[5 markah/5 marks]
Jawapan/Answer:
8. Yi Zhou membeli sebuah rumah pangsa dua bilik dengan harga RM144 000 pada 1
Januari 2010. Dia membayar 10% deposit dan dikenakan caj-caj berikut:
Yi Zhou bought an apartment with a price of RM144 000 on 1st January 2010. He paid
10%deposits and charged as below;

Kos guaman
RMlO000
Legal Cost
Duti setem
RMI 500
Stamp duty
Kos ejen
RMll 520
Axentcost

Selebihnya Yi Zhou membayar secara ansuran kepada bank dengan kadar faedah mudah
4.25% selama 20 tahun.
Yi Zhou pays by instalment to the bank for the rest with simple interest of 4.25 %for 20
years.

(a) Yi Zhou menjadikan rumah tersebut sebagai rumah inap desa dengan sewaan
RM250 semalam. Dalam sebulan sekurang-kurangnya dia menerima tetamu selama
15 malam. Jika dia memperuntukan kos pembersihan sebanyak RMl 000 sebulan,
adakah pendapatan bulanannya melebihi bayaran ansuran bulanannya?
Yi Zhou decided to make a homestay with RM250 per night. For each month he
managed to receive at least 15 nights of guests. If he allocates RMI 000 cleaning
cost monthly, does he's nett income receive more than he's instalment?
[ 5 markah/5 marks]

(b) Yi Zhou menyimpan kesemua pendapatan bersih bulanan sewaannya ke dalam bank.
Selepas 5 tahun, dia hendak memindahkan pendapatannya ke dalam akaun simpanan
tetap. Bank Ayu menawarkan kadar faedah 3.5% setahun dan pengkompounan
setiap 4 bulan, manakala Bank Bayu menawarkan 3.6% setahun dan
pengkompounan setiap 6 bulan. Bank manakah yang patut Yi Zhou pilih? Jelaskan.
Yi Zhou kept all his monthly nett income in a bank. After 5 years, he decides to
transfer the nett incomes to fixed deposit account. Bank Ayu offer 3.5% per annum
and compounded every 4 months, while Bank Bayu offers 3.6% per annum and
compounded every 6 months. Which bank would Yi Zhou choose? Explain.
[ 5 markah/5 marks]

(c) Selepas 20 tahun, Yi Zhou berhasrat untuk menjual rumah inap desanya. Jika dia
menjual rumah inap desanya dengan harga RM280 000, hitungkan nilai pulangan
pelaburannya?
After 20 years, Yi Zhou wants to sell his homestay. If he wants to sell the homestay
for RM250 000. Calculate the return on investment?
[ 5 markah/5 marks]
Jawapan/Answer

(a)

(b)

(c)
9. Haris membuat pinjaman peribadi sebanyak RM5 000 dari Bank Maulana dengan kadar
faedah atas 8% atas baki. Tempoh bayaran baliknya ialah 1 tahun manakala ansuran
bulanannya ialah RM435 sebulan.
Haris makes a personal loan of RM5 000 with Bank Maulana with interest 8% on debt.
His loan tenure is a year with monthly repayment of RM435 monthly.

(a) Lengkapkan jadual 1 yang menunjukkan faedah yang dibayar, prinsipal baru dan
baki pinjaman.
Complete Table 1 to shows the interest pay, new principal and loan balance.
[6 markah/ 6 marks]
Jawapan/Answer
(a)
Prinsipal Faedah Bayaran Baki pinjaman
Bulan
Principal Interest Payment Loan Balance
Month
(RM) (RM) (RM) (RM)
Januari 5000 33.33 435 4598.33
Februari 4598.33 435
Mac 435
April 435
Mei 435
Jun 435
Julai 435
Ogos 435
Sept 435
0kt 435
Nov 435
Dis 431.40 2.88 434.28 0.00

(b) Lily juga membuat pinjaman dengan amaun dan tempoh bayaran yang sama dengan
Haris dengan kadar faedah sama rata 8% setahun. Hitungkan perbezaan jumlah
faedah yang dibayar oleh Lily dan Haris.
Lily also make the same amount and loan tenure as Haris with a flat rate of 8%.
Calculate the difference of total interest pay by Lily and Haris.
[3 markah/ 3 marks]

(c) Haris menerima gaji sebanyak RM2 800 sebulan, dengan ansuran bulanan pinjaman
peribadi di (a) dan perbelanjaan bulanannya sebanyak RMl 500 sebulan. Dia hendak
membeli sebuah kereta berharga RM25 000. Dia menggunakan RM3000 untuk
deposit kereta dan selebihnya dia meminjam dengan bank dengan kadar 3.5%
setahun selama 5 tahun. Hitungkan baki gaji bulanannya, dalam RM.
Haris receive RM2 800 monthly salary, monthly personal loan repayment in (a) and
spends RMJ 500 monthly. He wants to buy a car with a price of RM25 000. He used
RM3 000 for car deposit and make a loan from the bank with interest 3.5% per
annum for 5 years. Calculate his monthly salary balance, in RM.
[5 markah/ 5 marksJ
Jawapan/Answer
(b)

(c)