Mtes3213 Financial Mathematics
Mtes3213 Financial Mathematics
Mtes3213 Financial Mathematics
Kursus ini berfokuskan aplikasi matematik dalam bidang kewangan yang melibatkan wang dan nilai masa, anuiti, aliran tunai, pelunasan pinjaman dan dana terikat
serta produk kewangan dan pelaburan. Kursus ini ditawarkan bagi membolehkan pelajar mengaplikasi pengetahuan yang telah diperoleh dalam matematik
kewangan kuantitatif untuk menyelesaikan tugasan kewangan peribadi dan perusahaan berskala kecil.
HPK1
Perform calculation involving simple interest and compound interest. (C2, PLO1).
CLO1
HPK2
Evaluate annuity or insurance plan offered by local banks or insurance companies. (C5, PLO7, KMN4)
CLO2
HPK3
Solve financial problems related to cash flow, amortisation of loan and sinking funds. (C4, PLO2, KKG8)
CLO3
HPK4
Prepare a financial plan by applying the knowledge in financial products and investment. (C3, A4, PLO2, PLO10, KKG4, KMU6)
CLO4
8. Pemetaan Hasil Pembelajaran Kursus kepada Hasil Pembelajaran Program, Kaedah Pengajaran dan Pentaksiran
Mapping of the Course Learning Outcomes to the Programme Learning Outcomes, Teaching Methods and Assessment
C1
Pemetaan kepada
Kluster Hasil C3E
Pembelajaran KKM
C2
Mapping with MQF
Cluster of Learning C2 C4B
Outcomes
Tandakan “√“ pada petak mengikut HPK dan HPP yang relevan.
Indicate the relevancy between the CLO and PLO by ticking “√“ in the appropriate relevant box.
(Keterangan ini perlu dibaca bersama dengan Standard 2.1.2 , 2.2.1 and 2.2.2 dalam Bidang 2, COPPA Edisi ke 2 )
(This description must be read together with Standards 2.1.2 , 2.2.1 and 2.2.2 in Area 2, COPPA 2nd Edition)
C1 = Pengetahuan & Kefahaman, C2 = Kemahiran Kognitif, C3A = Kemahiran Praktikal, C3B = Kemahiran Interpersonal, C3C = Kemahiran Komunikasi, C3D = Kemahiran Digital, C3E = Kemahiran Numerasi,
C3F = Kepimpinan, Autonomi & Tanggungjawab, C4A = Kemahiran Personal, C4B = Kemahiran IKeusahawanan, C5 = Etika & Profesionalisme
C1 = Knowledge & Understanding, C2 = Cognitive Skills, C3A = Practical Skills, C3B = Interpersonal Skills, C3C = Communication Skills, C3D = Digital Skills, C3E = Numeracy Skills, C3F = Leadership,
Autonomy & Responsibility, C4A = Personal Skills, C4B = Entrepreneurial Skills, C5 = Ethics & Professionalism
Kerangka Kandungan Kursus HPK* Pembelajaran Terarah (Bersemuka) Pembelajaran Terarah (Tidak
Jumlah JPP
Course Content Outline CLO* Guided Learning (F2F) Pembelajaran Kendiri Total SLT
Bersemuka) Contoh:e-
(Tidak Bersemuka)
pembelajaran
Independent Learning
K T A L Guided Learning (NF2F)
(NF2F)
L T P O eg: e-Learning
2. Annuities
● Introduction to Annuities
- definition
- types of annuities
- differences between types of annuities
● Derivation and Application of Formulae
- geometric series
- immediate annuity CLO 2 4 4 12 20
- annuity due
- deferred annuity
● Difference between Annuity and Insurance
● Evaluate Annuity Plan or Insurance Policy
4. Cash Flow
● Types of Cash Flow
● Assets versus Liabilities
● Debts versus Equity
● Inflation and Deflation
- consumer price index (CPI)
- real rate of return
- causes and effects of inflation and deflation
● Taxes in Malaysia
- calculation of direct taxes (individual income tax,
real property gains tax)
CLO 3 4 4 10 12 30
- calculation of indirect taxes (goods & services tax,
excise duty, customs duty, stamp duty)
● Capital Budgeting
- payback method
- net present value (NPV)
- internal rate of return (IRR)
● Importance of Human Governance to Achieve
Corporate Success
Jumlah
100
Total
Peratus
Pentaksiran Berterusan B TB Jumlah JPP
Percentage
Continuous Assessment (%) F2F NF2F Total SLT
Financial Plan
3 PLO2 - 15% 20 0 4 4
PLO10 - 5%
Jumlah
10
Total
Peratus
Pentaksiran Akhir B TB Jumlah JPP
Percentage
Final Assessment (%) F2F NF2F Total SLT
**Sila tanda (√) jika kursus ini adalah Latihan Industri/ Praktikum/ WBL
guna 2-minggu, 1 kredit formula
**Please tick (√) if this course is Industrial Training/Clinical JUMLAH BESAR JPP
Placement/Practicum/WBL using 2-weeks, 1 credit formula 120
GRAND TOTAL SLT
Teradun /Blended
% JPP untuk pembelajaran terarah bersemuka dan pembelajaran terarah tidak bersemuka (e-pembelajaran) :
B 44.17
% SLT for guided learning F2F and guided learning NF2F (e-learning):
[Jumlah Pembelajaran Terarah (Bersemuka) + Tidak Bersemuka (e-pembelajaran) / Jumlah JPP] x 100
[Total of Guided Learning F2F + NF2F (e-learning) / Total SLT] x 100
Central Bank of Malaysia. (2019). Credit card. Central Bank of Malaysia. https://www.bnm.gov.my
Central Bank of Malaysia. (2021). Electronic money - exposure draft. Central Bank of Malaysia. https://www.bnm.gov.my
Day, A.L. (2015). Mastering financial mathematics in microsoft excel: A practical guide to business calculations (3rd ed.). Pearson
Education Limited.
13 Maklumat Tambahan:
Other additional information: DSKP Kurikulum Standard Sekolah Rendah (KSSR) Mathematics (Year 4, 5 & 6)
DSKP Kurikulum Standard Sekolah Menengah (KSSM) Mathematics (Form 3, 4 & 5)
Mathematics Primary School Textbook (Year 4, 5 & 6)
Mathematics Secondary School Textbook (Form 3, 4 & 5)
Pakar Rujuk
External Consultant
Bil. Nama Universiti/ Bahagian
No. Name Institution/Division
This course focuses on application of mathematics in the area of finance involving money and time value, annuities, cash flow, amortisation of loan and
sinking funds as well as financial products and investments. This course is offered to enable students to apply the knowledge acquired on quantitative financial
mathematics in solving personal and small scale enterprise financial tasks.
HPK1
Melakukan pengiraan yang melibatkan faedah mudah dan faedah kompaun. (C2, HPP1).
CLO1
HPK2
Menilai anuiti atau rancangan insurans yang ditawarkan oleh bank tempatan atau syarikat insurans. (C5, HPP7, KMN4)
CLO2
HPK3
Menyelesaikan masalah kewangan yang berkaitan dengan aliran tunai, pelunasan pinjaman dan dana terikat. (C4, HPP2, KKG8)
CLO3
HPK4 Menyediakan satu perancangan kewangan dengan mengaplikasi pengetahuan dalam produk kewangan dan pelaburan. (C3, A4, HPP2, HPP10, KKG4,
CLO4 KMU6)
8. Pemetaan Hasil Pembelajaran Kursus kepada Hasil Pembelajaran Program, Kaedah Pengajaran dan Pentaksiran
Mapping of the Course Learning Outcomes to the Programme Learning Outcomes, Teaching Methods and Assessment
HPK3 Peperiksaan
/ Pembelajaran Teradun
CLO3 Akhir
HPK4
/ / Pembelajaran Teradun Pelan Kewangan
CLO4
C1
Pemetaan kepada
Kluster Hasil C3E
Pembelajaran KKM
C2
Mapping with MQF
Cluster of Learning C2 C4B
Outcomes
Tandakan “√“ pada petak mengikut HPK dan HPP yang relevan.
Indicate the relevancy between the CLO and PLO by ticking “√“ in the appropriate relevant box.
(Keterangan ini perlu dibaca bersama dengan Standard 2.1.2 , 2.2.1 and 2.2.2 dalam Bidang 2, COPPA Edisi ke 2 )
(This description must be read together with Standards 2.1.2 , 2.2.1 and 2.2.2 in Area 2, COPPA 2nd Edition)
C1 = Pengetahuan & Kefahaman, C2 = Kemahiran Kognitif, C3A = Kemahiran Praktikal, C3B = Kemahiran Interpersonal, C3C = Kemahiran Komunikasi, C3D = Kemahiran Digital, C3E = Kemahiran
Numerasi, C3F = Kepimpinan, Autonomi & Tanggungjawab, C4A = Kemahiran Personal, C4B = Kemahiran IKeusahawanan, C5 = Etika & Profesionalisme
C1 = Knowledge & Understanding, C2 = Cognitive Skills, C3A = Practical Skills, C3B = Interpersonal Skills, C3C = Communication Skills, C3D = Digital Skills, C3E = Numeracy Skills, C3F = Leadership,
Autonomy & Responsibility, C4A = Personal Skills, C4B = Entrepreneurial Skills, C5 = Ethics & Professionalism
9. Kemahiran Boleh Pindah 1 Kemahiran Kognitif (KKG4, KKG8)
Transferable Skills
2 Kemahiran Numerasi (KMN4)
3 Kemahiran Keusahawanan (KMU6)
10. Agihan Jam Pembelajaran Pelajar (JPP)
Distribution of Student Learning Time (SLT)
Kerangka Kandungan Kursus HPK* Pembelajaran Terarah (Bersemuka) Pembelajaran Terarah (Tidak
Jumlah JPP
Course Content Outline CLO* Guided Learning (F2F) Pembelajaran Kendiri Total SLT
Bersemuka) Contoh:e-
(Tidak Bersemuka)
pembelajaran
Independent Learning
K T A L Guided Learning (NF2F)
(NF2F)
L T P O eg: e-Learning
2. Anuiti
● Pengenalan kepada Anuiti
- definisi
- jenis-jenis anuiti
- perbezaan antara jenis-jenis anuiti
● Pembentukan dan aplikasi formula
- siri geometri
- anuiti segera atau serta-merta HPK 2 4 4 12 20
- anuiti matang
- anuiti tertunda
● Perbezaan antara Anuiti dan Insuran
● Menilai Pelan Anuiti atau Polisi Insuran
4. Aliran Tunai
● Jenis-Jenis Aliran Tunai
● Aset banding Liabiliti
● Hutang banding Ekuiti
● Inflasi banding Deflasi
- indeks harga pengguna (CPI)
- kadar pulangan sebenar
- faktor-faktor dan kesan-kesan inflasi dan deflasi
● Cukai-cukai di Malaysia
- pengiraan cukai langsung (cukai pendapatan
individu, cukai keuntungan hartanah)
- pengiraan cukai tidak langsung (cukai barangan & HPK 3 4 4 10 12 30
perkhidmatan, duti eksais, duti kastam, duti setem)
● Penganggaran Modal
- kaedah pembayaran balik
- nilai semasa bersih (NPV)
- kadar pulangan dalaman (IRR)
● Kepentingan Tadbir Urus Insan untuk Mencapai
Kejayaan Korporat
5. Produk Kewangan dan Pelaburan
● Bayaran dan Caj
- wang tunaian
- kad kredit dan debit
- e-bayaran (perbankan dalam talian, touch n go, e-
wallet, apple pay, dan lain-lain)
● Pertukaran Asing (FOREX)
- kadar pertukaran
● Bon
- harga bon dan hasil bon
● Saham
- analisis asas (terkurang nilai, terlebih nilai, PE HPK 4 4 2 6 8 20
& dsb)
- analisis teknikal (EMA & SMA, carta lilin & dsb)
● Hartanah
- Pulangan Pelaburan (ROI)
● Amanah Saham dan Dana Bersama
● Ekonomi digital dan IR4.0
● Menunjukkan Kemahiran Pengurusan dan
Keusahawanan melalui Perancangan Kewangan
JUMLAH JPP
TOTAL SLT
34 16 50
Jumlah
100
Total
Peratus
Pentaksiran Berterusan B TB Jumlah JPP
Percentage
Continuous Assessment (%) F2F NF2F Total SLT
Pelan Kewangan
3 HPP2 - 15% 20 0 4 4
HPP10 - 5%
Jumlah
10
Total
Peratus
Pentaksiran Akhir B TB Jumlah JPP
Percentage
Final Assessment (%) F2F NF2F Total SLT
**Sila tanda (√) jika kursus ini adalah Latihan Industri/ Praktikum/ WBL
guna 2-minggu, 1 kredit formula
**Please tick (√) if this course is Industrial Training/Clinical JUMLAH BESAR JPP
Placement/Practicum/WBL using 2-weeks, 1 credit formula 120
GRAND TOTAL SLT
Teradun /Blended
% JPP untuk pembelajaran terarah bersemuka dan pembelajaran terarah tidak bersemuka (e-pembelajaran) :
B 44.17
% SLT for guided learning F2F and guided learning NF2F (e-learning):
[Jumlah Pembelajaran Terarah (Bersemuka) + Tidak Bersemuka (e-pembelajaran) / Jumlah JPP] x 100
[Total of Guided Learning F2F + NF2F (e-learning) / Total SLT] x 100
Central Bank of Malaysia. (2019). Credit card. Central Bank of Malaysia. https://www.bnm.gov.my
Central Bank of Malaysia. (2021). Electronic money - exposure draft. Central Bank of Malaysia. https://www.bnm.gov.my
Day, A.L. (2015). Mastering financial mathematics in microsoft excel: A practical guide to business calculations (3rd ed.). Pearson
Education Limited.
13 Maklumat Tambahan:
Other additional information: DSKP Kurikulum Standard Sekolah Rendah (KSSR) Mathematics (Year 4, 5 & 6)
Pakar Rujuk
External Consultant
Bil. Nama Universiti/ Bahagian
No. Name Institution/Division
Jam Interaksi
Hasil Pembelajaran Kursus TOPIK
B
12 20 4 Report
14 20 4 Financial Plan
66 100 3 17