Panduan PdP Matematik Tahun 4 Versi DLP

NUMBERS AND OPERATIONS: YEAR 4

Name : ___________________________ Worksheet 1

Class : ___________

Subtract and match the answers.

l. RM55 600.00 RM25 825.00
 RM14 760.002

2. RM39 000.00 RM63 433.00
 RM22 390.00

3. RM71 888.00 RM40 840.00
 RM46 063.00

4. RM86 388.00 RM16 610.00
 RM22 955.00

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NUMBERS AND OPERATIONS: YEAR 4

Name: ___________________________ Worksheet 2

Class: ___________

Answer all the questions. 2.
RM58 800  RM29 260  RMl0 l40 
l.
RM97 000  RMl8 300  RM4 000 

3. 4.
RM76 460  RMl3 000  RM27 089  80 000 sen  3l 765 sen  28 950 sen 

5. 6.
RM63 369.70  RM49 900.95  RM1 200.90  RM6l 260.90  RM45 000.30  RMl2 789.70 

7. 8.
RM87 789.40  RM35 l76 RM4l 636.40  RMl00 000  RM34 009  RM5l 899 

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.1 Basic operations involving money.

Learning Standard 3.1.3 Solve multiplication number sentences involving value
of money multiplied by up to two-digit numbers with the
product up to RM100 000.

Activity 1:
a. Ask four pupils to come to the front of the class.
b. Each pupil is given three RM100 notes.

Example:

Pupil A Pupil B Pupil C Pupil D

c. Write a repeated addition number sentence.
Example: RM300  RM300  RM300  RM300  RM1 200

d. Write a multiplication number sentence.
Example: 4  RM300  RM1200

e. Repeat steps a, b, c and d with other values.

Activity 2: 5  RM650 
a. Show the number sentence.

b. Show the solution using a number line.

RM650 RM650 RM650 RM650 RM650

RM0 RM650 RM1300 RM1950 RM2600 RM3250

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NUMBERS AND OPERATIONS: YEAR 4

c. Based on the solution given above, write the answer in standard written method.

RM 6 5 0
5
RM3 2 5 0

Answer  RM3 250
d. Repeat steps a, b and c using other sets of multiplication number sentences.

Activity 3:

a. Show a number sentence.
8  RM3 752 

b. Demonstrate the solution using lattice method.
3 75 2

21 51 41

3 8
4 60 6

00 l6

Answer  RM30 016

c. Based on the solution given above, write in standard written method.
36 74 51 2

8

300 l 6

Answer  RM30 016

d. Repeat steps a, b and c using other examples of multiplication number sentences.

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Activity 4: 6  RM7 284 
a. Show a number sentence

b. Guide pupils to solve the number sentence using place value method.

Thousands Hundreds Tens Ones

7 2 8 4
 6

 42  12 48  24
 1 +5  2  20

 43 7  0 4

Answer  RM43 704

c. Based on the solution above, write the answer in standard written method.
7 1 25 82 4

6

43 7 0 4

d. Repeat steps a, b and c using other multiplication number sentences.

Assessment:
Pupils’ ability to multiply numbers correctly using any method above shows that they are
able to master the multiplication skills and solve multiplication number sentences. Pupils
must answer all questions correctly before moving on to the next learning standards.

Attitude and values:
Follow instructions, be adventurous and entrepreneurship.

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 1

A. Solve the following. Class: ___________

Calculation:

Number sentence:

Calculation:

Number sentence: Calculation:
Number sentence:

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 2

Class: ___________

Look at the pictures and complete the table.

RM5 548.05 RM1 265.00 RM2 188.00 RM33 500.00

Item Quantity Price per Total
unit

9

7

2
14

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.1 Basic operations involving money

Learning Standard 3.1.4 Solve division number sentences involving value of
Activity 1: money within RM100 000 divided by up to two-digit
numbers.

a. Prepare 20 pieces of RM100 notes and five containers.
b. Call a pupil to insert the RM100 note, one note at a time into each container.

Repeat until all the notes are spent.
c. Example:

d. Write the division number sentence.
Example: RM2 000 ÷ 5  RM400

e. Repeat steps a until d using different amounts of money.

Note: This activity could also be conducted in small groups.

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NUMBERS AND OPERATIONS: YEAR 4
Activity 2:
a. Pupils sit in groups.
b. Each group is provided with 18 pieces of RM 100 notes.
c. Pupils read a situation related to division of money.

A group of six pupils won a cash prize of RM1 800 in a Robotic Competition. They
decided to distribute the money evenly among themselves.

e. Write the division number sentence.
Example: RM1 800 ÷ 6  RM300

Activity 3:
a. Prepare a picture of 12 bicycles with the price shown.

RM36 000

b. Ask pupils to find the price of a bicycle and explain their calculation method.
c. One of the methods that can be used is cancellation method as shown below:

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NUMBERS AND OPERATIONS: YEAR 4
3
RM36 000 = RM3 000
12
e. Repeat steps using other amounts of money.
f. Division involving ringgit and sen must also be taught to pupils.
Evaluation:
Based on the pupils’ ability to answer questions in the worksheet, pupils should be able
to divide value of money by a two-digit number up to RM100 000.
Attitude and Value:
Entrepreneurship, thrifty and cooperation.

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 1
Match.
Class: ___________

RM81 486 ÷ 18 RM67 936 ÷ 8

RM329

RM4 527 RM27 162 ÷ 6

RM16 984 ÷ 2

RM8 492

RM2 303 ÷ 7 RM987 ÷ 3

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 2

Class: ___________

Look at the pictures and complete the table.

Item Price Calculation for
price per unit

RM18 000

RM2 250
RM28 000
RM7 500

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.2 Mixed operations involving money

Learning Standard 3.2.1 Solve number sentences of mixed operations involving
addition and subtraction of money within RM100 000.

Activity 1:
a. Pupils carry out the activity with guidance from the menu given.

Example of situation:

1. You received RM 200.00
2. Refer to the menu given. Choose three items from the menu and

complete the menu order sheet with these details:
i. Items and prices.
ii. Calculate total amount.
iii. Calculate the balance.

Example of Menu:

Example of order sheet:

No. Item Price

1

2

3

TOTAL

b. Pupils check the order sheet and the balance of their money with their friends.
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NUMBERS AND OPERATIONS: YEAR 4

Activity 2:

a. Pupils sit in groups.
b. Pupils read the situation given.

A group of five pupils won cash prize of RM5 000 in an Innovation Contest. They
celebrate their victory by organizing a party. They decided that if there is a
balance, the remaining amount will be distributed evenly among themselves.

Example of order sheet:

Num. Item Quantity Price per unit Price
1 (RM) (RM)

2
3

4

5
6

TOTAL

c. Ba
sed on the same menu, ask each pupil in the group to choose two of their favourite
dishes.

d. The group leader collects everyone’s order and write them in an order sheet (items
and prices).

e. Calculate their total expenses and balance.

f. Each group presents their answers.

Assessment:

The ability of pupils to add and subtract money correctly shows pupils have mastered the
skills.

Attitude and Values:

Cooperation.

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 1

Class: ___________

A water theme park is having a promotion in conjunction with school holiday. The details
are shown in the table below.

PROMOTIONAL PRICE

Promotion

ADULT

CHILDREN
(12 years and below)

*Free admission for children with height below 90cm.

Based on the information given, answer these questions:

1. SK Taman Segar is organizing a trip to the water park. 100 pupils from the school
are joining the trip. The trip is led by Encik Arman and assisted by four other
teachers.

a. How much does Encik Arman need to pay to bring all teachers and pupils to the
theme park?

b. Encik Arman has paid the entrance fee using 16 pieces of RM100 notes, 3
pieces of RM50 notes and 6 pieces of RM 10 notes. Calculate the balance.

c. How much does Encik Arman need to pay on normal rate?

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.3 Financial Management

Learning Standard 3.3.1 Plan daily, weekly and monthly budget to
achieve short-term financial target.

Activity 1:

Situation: Plan to buy something that the pupils like.

a. Each pupil is provided with a form below:

WISH LIST
1._____________________
2. _____________________
3.______________________

b. Pupils complete the form by filling up the information needed.

c. Ask a few pupils to share the information with the whole class.

d. Use a few forms as examples which have details of expenses exceeding the
amount of money they have.

e. Other pupils give ideas related to step d.

f. Teacher lists down all the ideas given on the whiteboard.

g. Discuss the ideas given.

h. Pupils give the pros and cons of planning and not planning their financial
expenses.

i. The table below is an example for financial management.

Example: Weekly Budget

Date: ……………………

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Note: If Actual Expenditure exceeds Estimated Expenditure, teacher must put bracket
( ), at the difference column, and explain the meaning of the value in ( ).

j. Based on the table below, teacher may gather the positive values for pupils:

1. Encourage pupils to save money to increase their savings if the estimated
expenditure exceeds the actual expenditure.

2. Teacher may also state to pupils that extra amount of money at the end of

Category Weekly Budget Actual sum Difference
Income (RM)
Estimated Income Actual Income
(RM) (RM)

Pocket Money, Prize, 65.00 65.00 0
Reward
Estimated Actual Difference
Expenses Expenditure (RM) Expenditure (RM)

(RM)

Savings 15.00 15.00 0

Lunch 40.00 43.00 (3.00)

Stationery 10.00 7.00 3.00

Balance
(Income MINUS Expenses)

the week is a bonus, for being able to spend wisely.

Explaination:

Income
1. Estimated Income Column states the expected amount of money obtained by pupils

each week or month.
2. Actual Income column states the exact amount of money obtained each given week

or month.
3. The Difference column states the difference amount between actual and estimated

income. This amount is important for pupils to know if the budget for the next week
or month is sufficient or not. If the difference shows less budget, pupils have to save
more money for the next week/ month budget.

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Expenditure
1. The Expenditure column states the expenses of pupils. Details of expenses must be

under this column.
2. Estimated Expenditure column states the rough amount of money spent on that

specific week or month.
3. Actual Expenditure column states the actual amount of money spent during that

specific week or month.
4. The Difference column states the amount of calculated difference between actual

and estimated expenses. This amount is important for pupils to calculate, so that
they can adapt and adjust their expenses to make it sufficient.

Activity 2:
a. Divide pupils into pairs.
b. Each pair is given a catalogue, example Tesco, Giant, IKEA catalogue.
c. Each pair needs to select one item, then plan their income and expenditure to buy

the selected item.
d. Each pair needs to construct a budget table, based on the example given.
Activity 3:
a. In groups, pupils plan a budget wisely by identifying needs and wants.
b. Guide pupils to plan a good budget.
c. Each group presents their budget and discusses with the whole class.

Activity 4: (Project-Based Learning)
a. Divide pupils into groups.
b. Each group prepare a brief folio entitled “My Future Financial Management”.
c. Pupils are required to list future wants. They are required to prepare a budget plan,

based on the title given. Duration is up to the teacher’s discretion.

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 1

Class: ___________

Complete the following weekly budget, resulting in RM 0.00 balance.

INCOME: RM100.00
Pocket money RM 20.00
Birthday present from uncle RM 5.00
Reward for cleaning the house ...............
TOTAL INCOME
EXPENDITURE : ...............
Savings RM 20.00
Lunch ..............
Expenses ..............
Contribution ...............
Balance(Income  Expenditure)

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NUMBERS AND OPERATIONS: YEAR 4

Name: ____________________________ Worksheet 2

Class: ___________

I have some money and I would like to shop at a supermarket. I
also plan to go on holiday at the beach and have RM50 savings to
buy a few items for the picnic . Wah, I love this place!! I could get
everything that I want, but I need to be careful. I can easily be
influence by the things I see rather than the things I need. Can
you help me in managing my expenditure ? We must remember
that I should buy the things that I need first. Then, we should
check how much money left before I fulfill my wants.

Choose one item from each category A, B, C and D. Combine different items to
determine how smart we spend RM 50. Write the price and total up for each set of items.

First choice Second choice Third choice

A RM4.50 RM5.95 RM2.75 + ++
RM8.00 + ++
+ ++
B
RM35.00 RM15.99 RM22.50 RM42.00

C RM8.50
RM6.50 RM10.00 RM7.99

D RM0.99 RM1.50 RM4.00
RM0.75

TOTAL:

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.3 Financial management

Learning Standard 3.3.2 Record savings and expenses to achieve financial target.
3.3.3 Explain the need for keeping records on savings and expenses.

Notes:

1. Record the Savings and Expenses : An activity that records systematically the progress of
savings and expenses.

2. Advantages of keeping a record.

3. Disadvantages of not keeping a record.

Activity 1: (Record Savings)

a. Pupils are given one of their wish list item with the price.
b. Pupils are assigned to prepare a record of savings and expenses that are used and plan

to buy their wish list item.
c. Pupils are required to prepare a note related to their savings and expenses.
d. Pupils are required to present their notes to the class as a sharing.
e. Teacher explains characteristics that should be in the pupils’ notes as follows:

i. Date and amount of savings
ii. Date and amount of expenses
iii. Date to buy their wish items.
f. Teacher prepares a note template as a suggestion to enhance the pupils’ work
(prepared earlier by teacher).

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Bought on 4.11.2018

(RM100.00)

DATE MONEY FROM SAVINGS EXPENSES REMARKS
4.9.2018 PARENTS
6.9.2018
RM10 RM5 RM5 Class fund
RM4 School
RM10 RM6 expenses

Activity 2: (Savings plan)

1) Pupils are given a situation as below:

Hairi needs a pair of football boots worth RM120 for a football
tournament.
Plan and make records for Hairi to purchase the football boots
using the prepared table.

2) Using a circle map (Worksheet 2), list down the available source of income individually.
3) From the circle map, write down all the information as in the table below.

Date Source of Income Amount Received Saving to purchase
RM30 monthly football boots
4.9.2018 Pocket money RM8 monthly RM5
RM10 monthly RM8
5.9.2018 Token for helping father
RM100 RM10
4.9.2018 Token for helping
mother RM100

Ogos 2018 Duit raya RM123
(Festive Money)

Total savings

Red Colour : Examples of the answers.

 Hairi ables to buy the football boots in less than 1 month.
 Guide pupils to plan their pocket money savings.

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Example:
From RM30 a month, pupil may be able to save RM5 of their pocket
money by considering pupil’s daily expenses in school.
(Teacher accepts any appropriate answers from the pupils)

4) Ask pupils to identify whether the football boots is a needs or wants.
Sample Question:
“Is the football boots that Hairi wants is a needs or wants?”
Activity 3: (Pair Activity)
1) Situation

Farhana is interested to purchase a new bicycle worth RM350.
Plan savings to purchase that bicycle.

Source of Income Total Amount Savings to purchase the
bicycle

2) How long does it take for Farhana to purchase the bicycle?
3) Ask pupils to identify whether the bicycle is a needs or wants.
Sample Questions:
“Is the bicycle that Farhana wants to purchase is a needs or wants?”

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Activity 5: (Individual Project Work)

1. Prepare a folio that shows money saving plan using Microsoft Office (Microsoft Words,
Microsoft Power Point) software. The folio results should be sent via email to the teacher
under the name of 'FINANCIAL MANAGEMENT FOLIO'.

2. Each pupil will be given some amout of sample money.
3. Plan savings and expenses.
4. Search for pictures of goods and prices using the internet and 'copy & paste' the pictures in

the 'FINANCIAL MANAGEMENT FOLIO' file.
5. Based on your folio, state:

a. Total saving
b. Saving period

Folio example: Savings
Source of Income

Paste a picture of the item you want to buy in the space given.
RM45.00

Total Expenses : RM45.00

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NUMBERS AND OPERATIONS: YEAR 4

Mathematical Rubric Project Work – Folio

Duration: 1 week
Number of pupils: Individual
Materials: Computer and Internet Network
Marks: Software, content, neatness, presentation and accuracy of the answer.

Scoring Terms:
1. Use Microsoft Office. (5 marks)
2. Each item is recorded appropriately. (10 marks)
3. Make sure the picture is organized and readable. (10 marks)
4. Extra marks for creativity and decoration. (5 marks)
5. Write the pupil’s profile on the first page.
6. Send an email to the teacher.

Note: This is a suggestion. Teachers can modify accordingly.

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Name: _____________________________ Worksheet 2

Class: ___________

Packet l: Packet 2:

Packet 3: Packet 4:

Packet 5: Packet 6:

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 2

l. Circle Map Class: ___________

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Topic Money

Content Standard 3.3 Financial Management Learning
Standard

60 minutes 3.3.3 Explain the need for keeping records on
savings and expenses.

Activitiy 1:

a. Pupils are divided into groups of 4. Each member is given an identification A, B, C and D.
b. Based on the table below, ask pupils to solve the problem stated on the mahjong paper

provided.

Date Items Amount (RM) Balance
Debit Credit 20.00
01/01/01 50.00
01/01/01 Received donation from Ali 20.00 100.00
02/01/01 300.00
01/01/01 Received donation from Musa 30.00 99.50
04/01/01 48.80
04/01/01 Received donation from Hassan 50.00 18.80
04/01/01 58.80
04/01/01 Received donation from Aminah 200.00 759.70
04/01/01 369.20
06/01/01 Pay the electricity bill 200.50 349.20
07/01/01 414.20
07/01/01 Pay water bill 50.70 414.20
Total
Buy paper for the office 30.00

Received donation From Ali 40.00

Amount of security deposit 700.90

Pay the telephone bill 390.50

Pay for teacher's gathering 20.00

Received from anonymous 65.00

1105.90 691.70

Encik Aziz's financial record

Based on the records above, ask pupils to help Encik Aziz to provide some short reports
on his financial record.

i. How many people give donations to the classroom maintenance?
ii. State the payment made by Encik Aziz.
iii. Calculate all the donations received by Encik Aziz.
iv. Calculate the payment for the bills only.
v. State the balance of money in the account on January 7th .

c. Representatives from each group will present their answers. Pupil A, B, C and D will
discuss and provide the answer for all items.

d. Assessment in the classroom can be done based on the answers provided by each group.

Activity 2:

a. Based on Activity 1, ask the pupil to list down 4 benefits of recording all the financial
transactions in the financial record table provided.

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NUMBERS AND OPERATIONS: YEAR 4
b. Representative from each group will share the benefits of recording financial transactions in

front of the class.
c. Teacher as a guidance and accessor can conduct the assessment, make and share final

remarks. Among the remarks that can be discussed are as follows:
i. Time of a record occurs (date).
ii. Transactions involved.
iii. The amount of money involved.
iv. The documents involved related to savings and expenses such as receipts, invoices

and others.
v. The balance money will determine whether they have achieved the set goals.
Assessment:
Teacher can assess pupils according to the results of cooperative ideas in groups.

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 1

Class: ___________

Answer all the questions.

EXPENDITURE RECORD TABLE

1 WSY Oil 80.00 16
2 Drinks 1.30 17
3 Tea Time 5.60 18
4 Kuantan Home Bills 19
5 Snack 650.00 20
6 WSY Oil 5.40 21
7 Dinner 22
8 Mineral Water 50.00 23
9 Eggs 6.40 24
10 1.10
11 4.90
12
13 MONTHLY INCOME RECORD
14
15 3 605.86 500.00 250.00 100.00 500.00 100.00
A TODAY'S EXPENSES 600.00

SUMMARY OF EXPENSES 804.70
B TILL TODAY
7 979.40 8 784.10
MONTHLY TOTAL ( SALARY
C & OTHER SOURCERS ) 5 655.86
(3 128.24)
BALANCE ( C - B )

DECEMBER 2012

Based on the records above, ask pupils to help Puan Azizah to prepare some brief reports on
her financial records.

a. The table shows Puan Azizah's spending record on the month of ______________
b. How many times did Puan Azizah bought WSY Oil? ____________

c. State the dates Puan Azizah bought WSY Oil.

d. State the total expenses of Puan Azizah.

e. State the total earnings of Puan Azizah.

f. State the balance of money in the account.

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money

Content Standard 3.4 Responsibility in making financial decisions. Learning
60 minutes 3.4.1 Explain effect of making financial decisions Standard

Activity 1

a. Ask pupils to list 3 examples of their needs in life as a pupil.
b. From the examples received, ask pupils to list how to get those needs apart of the help

from their parents.Accept all the pupils answers that are relevant to the objectives.
c. Affirmation of the importance of saving money first before spending MUST be practiced.
d. Relate to the concepts that pupils have learned such as prudent and thrifty expenses.
e. Discuss each pupils' actions with prudent as the keyword in student-centered

rationalization of spending.

Activity 2

a. In pairs, pupils answer Worksheet 1.

b. Based on the information given, pupils will read the passage and fill in the information
according to their existing knowledge in the space provided.

c. Q & A session about the amount that should be allocated for savings before spending.
d. Pupils state the amount of money that should be allocated and the teacher helps to apply

the concept of prudent and savings expenditure based on pupils's answers. Accept all
suitable answers in Worksheet 1.

Activity 3

a. Merge 2 pairs into 1 group (4 pupils) and each group will get an envelope.
Example:

Siti Aisyah
Pocket money RM5 Pocket money RM4
Savings RM1 Savings RM2
Food and drink expenses RM4 Food and drink expenses RM2

Dewi Norini
Pocket money RM5 Pocket money RM6
Savings RM2.50 Savings RM2
Food and drink expenses RM2.50 Food and drinks expenses RM4

b. Display questions on the board. Example question:
Based on the passage given, how much is the savings after 4 weeks if pupils go to
school for 5 days a week?

c. Pupils are given time to discuss in groups.

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NUMBERS AND OPERATIONS: YEAR 4
d. Each group’s answer will be displayed on the board and pupils from other groups

will give their feedback. Based on the information presented, the teacher can ask
the following questions.
i. Who has saved the highest amount of money?
ii. How can the pupil who has the least amount of savings change their spending?
iii. Where the savings should be kept? Why?
iv. Based on this activity, the pupils discuss the importance of managing their

financial in the future.
Assessment :
Assess pupils according to their level appropriately.

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 1

Class: ___________

In early February, the school announced that they would arrange a school trip to
Cameron Highlands in November. Each pupil who wants to participate need to pay RM120 as a
personal expenses including meals, drinks and tickets. Pupils must pay the amount before
October.

Amir was very excited to join the trip and had asked for permission from his parents. His
parents gave permission with a condition, if he wanted to follow the trip he needs to use his own
savings.

Question :

1. What should Amir do to join the trip?

(A) (B) (C) (D) (E) (F)
Amount The amount The amount of The amount The period of Ways to earn
needed of existing saved in a time required more money
savings
savings required month

(A-B)

2. Suggest what Amir can do with his extra money.

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money

Content Standard 3.4 Responsibility in making financial decisions Learning
60 minutes Standard
3.4.2 Make financial decisions based on priority of
needs and wants.

Brief description: (Financial goals)
Financial goals - the goals we want to achieve with the money we have within a certain period of
time.

What a short term?
Recommended short term: 1-3 months

What is needs?
Needs is something you need to have because you cannot live without it. An example of basic
necessity is food.

What is wants?
Wants is something you want but not necessary. For example,comics.

Activity 1:

a. Display the appropriate video. Example: Kids & Cash and set a goal S.M.A.R.T
https://www.youtube.com/watch?v=BhB9cCXtAZc

b. Discuss about the video they watched.
*Example: What do you understand about the video?

c. Explain to pupils about SMART concepts.

Activity 2

a. Ask pupils whether they have financial goals.

b. Emphasize to the pupils, they should follow the SMART concept in setting financial goals:

 Specific - Note exactly what you want to achieve with your money.
 Measurable - Write down the exact amount of money required.
 Attainable - Prepare step-by-step planning to achieve your goals.
 Realistic - Examine your goals carefully including the cost of releasing and

analyze what is the impact of the goal is to ensure that it is achievable.
 Time-bound - Specify exactly when you want to achieve the goal.

c. Ask pupils to tell about their financial goals using the SMART concept.

Example:
Adli wants to buy a Casio digital watch worth RM120 for his birthday in July. He must save
RM1.00 daily from his pocket money to buy the watch. He needs to reduce his daily
expenses from RM5.00 to RM4.00 per day for 6 months from January to June.

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d. Accept any suitable answer given by pupils.

Activity 3: Individual Activity

a. Remind pupils that financial goals help us to make financial planning wisely.

b. Financial planning can be provided in the form of tables.

c. Guide pupils to complete financial planning tables. Examples of situations are as follows:

Ali wants to save RM250 to buy a pair of Niko sports shoes for his year-end camp.
The amount of existing savings is RM50. He needs RM200 more to achieve the
required amount. He needs to make savings for 1 year. However, he can use
alternative ways to earn more money.

Example:

(A) (B) (C) (D) (E) (F)
Amount The amount of The amount of The amount The period of Ways to earn
needed saved in a time required more money
existing savings
RM250 savings required month

(A-B)

RM50 RM200 RM20 1 year a. Sell old
(12 months) newspapers.
b. Helps father
to wash his
car.
c. Sell cookies.

d. Ask pupils to complete Attachment 1.

e. Choose few pupils to present their work.

Remark: Accept any suitable answer for Section (F).

Activity 4: Group Activity

a. Pupils are divided into few groups.

b. Pupils are required to list down the needs and wants as in Attachment 2.

c. Pupils are asked to describe the priority of needs and wants that have been listed.

d. Display their group work and the group representative will explain about the task given.

Assessment:
Teacher assess pupils according to their performance level.

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NUMBERS AND OPERATIONS: YEAR 4
Attachment 1

(A) (B) (C) (D) (E) (F)
Amount The amount The amount The amount The period Ways to
needed of existing of savings saved in a earn more
of time money
savings required month required
(A-B)

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List the needs and wants accordingly. NUMBERS AND OPERATIONS: YEAR 4

No. Type of Needs Attachment 2
Food (*Depends on
culture, place and Reason
situation) You need to eat to live and without it you
may not be able to survive longer.

1.

2.

3.

4.

5.

No. Type of Wants Reasons
Comic
To occupy your free time with
1. reading
2.
3.
4.
5.

Remarks Needs and wants depend on the individual. Accept any suitable answers.

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money Learning
Content Standard 3.4 Responsibility in making financial decisions. Standard

60 minutes 3.4.3 Make financial decisions by analysing
financial information obtained from various
sources.

Make financial decisions
 The goal that you want to achieve from the available money after considering and
identifying the benefits of ownership.

Analyzing financial information
 Consider the existing saving factors, the expenses that will be incurred within the
period of time to achieve the goal and identify other financial resources to
accommodate the prescribed financial goals.

Financial Resources
 Knowing the meaning of financial resources - the source of which the money was
legally earned.
 For example, pocket money savings, gifts, duit raya (festive money), tokens for
helping father to wash cars, sell used goods or recycling and other related resources.

Activity 1:

a. Ask pupils to list 3 examples of their needs and wants in the form provided.

“MY WISH LIST OF SEPTEMBER”

MY NEEDS MY WANTS
1. ________________ 1. ________________
2. ________________ 2. ________________
3. ________________ 3. ________________

MY PRIORITY IS

JOIN THE SCHOOL TRIP TO MALACCA
ON 22nd OCTOBER 2020

b. From the list of needs and wants, ask pupils to choose one of them as a priority that must be
owned or achieved. For example, a school trip to Malacca organized by the School
Recreation Club.

c. From the predetermined preference, pupils are asked to state the reason of their choice.

d. Affirmation of the importance of saving money first before spending MUST be practiced.

e. Teacher relates the concepts that pupils learned from their previous knowledge.

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NUMBERS AND OPERATIONS: YEAR 4

Activity 2:

a. From Activity 1, in pairs plan the finances to achieve their goals.

b. Pupils will complete the table with existing financial information and identify other
financial resources during the financial management period to achive the goals.

(A) (B) (C) (D) (E) (F)
Amount The The amount The The period Ways to
needed amount of of savings amount earn more
existing saved in a of time money
savings required month required
(A-B)

RM150 RM50 RM100 RM20 30 hari a. Sell old
newspapers.
b. Helps
father to
wash his car.
c. Sell
cookies.

c. The above activity is completed for the purpose of sharing ideas in the classroom.
d. Pupils can give their ideas and suggestions.
e. Pupils justify the allocated amount of money and teacher helps to apply the concept of

prudent and savings expenditure based on pupils' answers. Accept all appropriate
justifications.
Activity 3:

a. From Activity 2, in pairs plan the finances to achieve their goals in detail.

b. Pupils will complete the table with financial information.
Remark: Teacher can print the tables according to the specified period of time and can be

modified.
c. The above activity is completed for the purpose of sharing ideas in the classroom.
d. Pupils can give their ideas and suggestions.
e. Guide pupils to complete the financial records based on the table above.
Assessment :
Teacher can assess pupils according to their shared ideas.

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NUMBERS AND OPERATIONS: YEAR 4

Worksheet 1

Name: _____________________________ Class: ___________

Answer all the questions.

Afiq wants to save RM250 to buy a pair of Niko sports shoes for his year-end camp.The
amount of existing savings money is RM120. He needs RM200 more to achieve the required
amount. He needs to make savings within 2 months from today. However, he needs to think
about getting resources from various ways.

Date Income / Financial Expenses Balance
Source (Money Out - B) (A minus B)
2.9.2018
4.9.2018 (Money In - A) RM
4.9.2018
4.9.2018 Remark RM Remark RM 50.00
48.00
Pocket 50.00 None 0.00 48.00
money 50.00
Balance 48.00 Buy pencil 2.00 68.00
2.9.2018
Balance 20.00 None 0.00
4.9.2018
Tokens for None 0.00
helping
mama

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NUMBERS AND OPERATIONS: YEAR 4

You are required to help Afiq to record all the financial resources using the table below so
that he can collect RM130 more.

Date Income / Financial Source Expenses Balance
(Money In - A) (Money Out - B) (A - B)
1.9.2018
Remark RM Remark RM RM

Existing money 120.00

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.5 Foreign currency
Learning Standard
3.5.1 Recognise currency of main countries in the world.

Activity 1:

a. Display currency pictures of the main countries in the world.
Examples: Japan, China, United States, Australia, United Kingdom.

b. Ask pupils to state the country and their currencies.
c. Ask pupils to state the currencies used by the country.

Activity 2:
a. Show Malaysian currency.

b. Guide pupils to state and write the name of the currency in the table provided.

c. Repeat the above activity with other countries currency.

COUNTRY CURRENCY
Malaysia
Ringgit

Activity 3:
a. Divide the pupils into several small groups.
b. Each group is provided with Worksheet 1.
c. Pupils complete the task given in Worksheet 1.
d. Discuss pupils’ work.
e. The group which successfully completed their task quickly and correctly is the winner.
f. Winners are rewarded.

Activity 4:
a. Distributes Worksheet 2 to all the pupils.
b. Discuss pupils’ work.

Assessment:
Based on the pupils' ability to answer the questions in Worksheet 1 and Worksheet 2, the
pupils must answer all the questions correctly before proceeding to the next skill.

Values and Attitudes:
Apply cooperative value especially when working in groups.

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 1

Class: ___________

FIRST COME FIRST SERVE

P P GR ML S E N E
OX QT J A CY E N
U A WO N Y F P V Y
NBSHI I UHHW
D OL L A R L U MP

A. Answer the questions below, then find and colour the answer in the crossword puzzle
above.

1. What is the currency for India?
2. Yen is the national currency for ________________.
3. Aida wants to travel to Korea. What currency she has to use?
4. Siti will further her studies in Saudi Arabia. She has to use _________________

currency.
5. Adli is a beef trader. He has run out of stock and needs supplies from Australia.

What currency would he use there?

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 2

Class: ___________

Write the currency and country for the following.

a) Currency: ___________________
b) Country: ___________________

a) Currency: ___________________
b) Country: ____________________
_________________________

a) Currency: ____________________
b) Country: _____________________

a) Currency: _____________________
b) Country: ______________________

a) Currency: _____________________
b) Country: ______________________

a) Currency: _____________________
b) Country: ______________________

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.5 Foreign currency

Learning Standard 3.5.2 State the value of RM1 in the current rate
currency of other countries.

Activity 1:
a. Choose 2 pupils (pupil A and B) and give 1 Ringgit and 1 Singapore Dollar respectively.

b. Pupils are required to role-play of buying books.

c. Pupil A with 1 Ringgit gets a book while pupil B with 1 Singapore Dollar gets three
books.

d. Pupils are guided to recognize the difference in value of currencies between countries.

Activity 2:
a. Ask the pupil to state the value of the currency of another country compared to 1 Ringgit.

b. Display a table that contains the value of the currency of another country compared to 1
Ringgit.

Country The value of the other country's
currency compared to 1 Ringgit

India 16.9023

Saudi Arabia 0.93226

Australia 0.33771

Japan 27.8413

Hong Kong 1.9927

New Zealand 0.36162

 The exchange rate above is on 3/5/2018. The exchange rate may change depending

on the current situation.

Activity 3:
a. Each group is provided with Worksheet 3.

b. Pupils complete the task given.
c. Discuss pupils’ answer.

Activity 4:
a. Provide Worksheet 4 to all the pupils.

b. Discuss pupils’ answer.

Assessment:
Based on the pupils' ability to answer the questions in Worksheet 3 and Worksheet 4, the
pupils must answer all the questions correctly before proceeding to the next skill.

Values and Attitudes:
Apply cooperative value especially when working in groups.

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 3

Class: ___________

Fill the table below based on the information gathered from the internet.

Country Exchange rate of other currencies values compared to
Thailand RM1

Brunei

Singapore

Indonesia

Vietnam

Laos

Australia

United Kingdom

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NUMBERS AND OPERATIONS: YEAR 4

Name: _____________________________ Worksheet 4

Class: ___________

Answer the questions below based on the information obtained in the attachment.
1. What is the value of Australian currency compared to RM1?

___________________________________________________________________
2. Among the currencies given, which country has the highest exchange rate? Explain.

___________________________________________________________________

3. Which country has the lowest exchange rate?
___________________________________________________________________

4. If you want to travel abroad, which country would you choose?
___________________________________________________________________

5. Arrange country names by currency values in ascending order.

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NUMBERS AND OPERATIONS: YEAR 4

Topic Money 60 minutes
Content Standard 3.6 Payment instruments

Learning Standard 3.6.1 Recognise various payment instruments.
3.6.2 Explain the usage of various payment instruments in goods

and service transactions.

Activity 1:

a. Play the video from the following website:
http://www.youtube.com/watch?v=Sh9ZXAzkzWw

b. Pupils are required to state the information obtained from the video.

c. Teacher explains that a credit card is one of the payment instrument and explains
what payment instrument it is.

d. Pupils preparation:
Pupils have been asked to find information on payment instruments a day before
the topic was taught.

Activity 2:

a. In pairs, pupils are asked to discuss the information they have collected about the
Payment Instrument they know.

b. Teacher guides pupils to identify some payment instruments and explain the advantages
and disadvantages of using the instrument.

Example:

Currency

Currency is used as a cash payment instrument.

Example: Ali bought three books and two pencils worth RM3.60. He pays with a RM5.00
cash.

Advantages: Avoid debts.

Disadvantages: Risk (lost, stolen)
Prepaid Card

Prepaid cards are used to make payments by the amount paid first.
Example:
Kamal drives from Kuala Lumpur to Penang. He uses a prepaid card to pay tolls.

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NUMBERS AND OPERATIONS: YEAR 4
Advantages:

 Facilitate dealings (Touch n Go cards)
 Discipline users (pre-paid cards)

Disadvantages:
The usage is limited based on the amount of the card.

Credit card and debit card

Notes:
Credit Card
A payment instrument that allows the cardholder to spend in advance with a fixed amount
without having to pay immediately.
Example:
Mr. Aliff Rahman stopped at the petrol station to fill the oil for his car. He intends to refuel
RM50, but he only has RM10. So he decided to make payments using a credit card.
Advantage:
Easy and efficient
Disadvantage:
Unmanaged spending for unethical users.

Debit Card
A payment instrument that allows the cardholder to make a purchase or cash withdrawal that
will be deducted directly from the cardholder's account.

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NUMBERS AND OPERATIONS: YEAR 4

Example:
Haniah bought a few pieces of clothing and a pair of shoes at the mall. She did not bring
enough cash because she felt secure to make payments using a debit card.
Advantage:
Easy
Disadvantage:
Service not extensively.
Note: Teachers can display the transaction machine images used as payment instruments.

Activity 3:
a. Play the game "The Smart Borrower".
b. Pupils complete a group assignment (4 people). (Refer to Attachment 5)
c. Each group will move to the next station by clockwise after the whistle is blown.
d. Game instructions:

i Pupils complete the form based on the information at each station. Attachment 6
ii Each group writes the findings on a table (mahjong paper) provided on the board.
iii The group representative present their findings.
e. Discuss the overall findings.

Activity 4:
a. Ask pupils to produce a Payment Instrument (example: Card) appropriate according to

pupils creativity.
b. Ask pupils to produce "Scrapbook" on payment instruments.
c. Discuss the work together with the pupils.

Assessment:
Based on the pupils' ability to answer the questions.

Values and Attitudes:
Apply collaboration especially when in group.

186