Ahmad Hamidi Madu

Customer SITI SARAH BINTI SHAHUL HAMID
Business started since AS0298255-K(12.9.2007)

CCRIS 0+0+0+0+0
Savings with FI RM21,672.00
Credit Scoring #N/A
MICRO FINANCE PRICE MAT
Scor
Items
4 3
Years in Business >5 5
All facilities are prompt Generally all facilities with no
arrears + occassional 1
Credit History (CCRIS) months arrears
over 6 months (No of
months in arrears).
Applicants without
borrowings are
alloted 0 points
Savings & Property
Ownership
1. Saving only/ no
property ownership / >6,000 4,001 to 6,000
no property under
financing (RM)
2. Property
Ownership (own
property + saving Fully owned property + Fully owned property + minimum
(RM) ) minimum savings ≥ savings ≥ 1,000 to 1,999
2,000
3. Property under
financing (at least 6 Property + minimum savings :
months) + savings Property + minimum 2000 to 3,999
(RM) savings ≥ 4,000
Credit Scoring >70 66-70

TOTAL SCORE
YEAR
PRODUCT TYPE
INTEREST RATE QUALIFY
Interest Rate Price Matrix

Products TemaNiaga / TemanMesra
Score Range 16 15 14
YEAR INTEREST RATE
1 10.00% 12.00% 13.00%
2 7.62% 9.17% 9.95%
3 6.88% 8.30% 9.02%
4 6.55% 7.92% 8.62%
5 6.38% 7.74% 8.43%
Financing Rate Price Matrix

Products TemaNiaga-i
Score Range 16 15 14
YEAR INTEREST RATE
1 10.00% 12.00% 13.00%
2 7.62% 9.17% 9.95%
3 6.88% 8.30% 9.02%
4 6.55% 7.92% 8.62%
5 6.38% 7.74% 8.43%
MICRO FINANCE PRICE MATRIX
Score
2 1 0
4 3 2
50% of facilities prompt + majority 1 month in 2 months arrears in
50% of facilities with 1 arrears for all facilities any facility (ies) .
month arrears while others prompt
1,501 to 4,000 1,000 to 1,500 <1,000
Fully owned property + Fully owned property + -

minimum savings ≥ 501 to minimum savings ≤ 500
999
Property + minimum
Property + minimum savings : 500 to 999 -
savings : 1000 to 1,999
61-65 56-60 50-55

TOTAL SCORE
YEAR
PRODUCT TYPE
REST RATE QUALIFY
est Rate Price Matrix

a TemaNiaga
13 12 11 to 3 ≤2
INTEREST RATE
14.00% 15.00% 17.00% 20.00%
10.73% 11.51% 13.08% 15.45%
9.74% 10.46% 11.92% 14.14%
9.32% 10.03% 11.45% 13.63%
9.14% 9.83% 11.26% 13.44%
cing Rate Price Matrix

TemaNiaga-i
13 12 11 to 3 ≤2
INTEREST RATE
14.00% 15.00% 17.00% 20.00%
10.73% 11.51% 13.08% 15.45%
9.74% 10.46% 11.92% 14.14%
9.32% 10.03% 11.45% 13.63%
9.14% 9.83% 11.26% 13.44%
Facility type
TemaNiaga
TemaNiaga-i
Score
4
4
4
4
16
5
TemaNiaga
6.38%
###
###
###
###
###
NAMA PEMINJAM : SITI SARAH BINTI SHAHUL HAMID
Minit Fail
Tarikh Perkara
10/10/2013 Fail diterima (Semakan awal)
10/10/2013 Data base BSN
10/13/2013 Lawatan tapak (site visit)
10/10/2013 Semakan CCRIS dan BRIS
10/21/2013 Semakan Pembekal, Pemilik Premis dan Kenalan
Dokumen
Disediakan oleh, Disemak oleh,
NOORZANA AHMAD SYAKIR IDZUAN BIN SHUKOR

EKSEKUTIF MIKRO KEWANGAN PENGURUS MIKRO KEWANGAN
MK02/003/10/13/01158 PEGAWAI BERTUGAS (BRO)
02100/2013/10/2464/01 NOORZANA
MIKRO KEWANGAN AMANJAYA
RESTORAN IERASA
SITI SARAH BINTI SHAHUL HAMID ALAMAT SURAT - MENYURAT :-
830209-02-5640 53A, 1/1 LORONG KENARI JAYA,
TMN KENARI INDAH,
NO H/P :012-4160919 08000 SUNGAI PETANI, KEDAH.
ALAMAT KEDAI :-
AS0298255-K(12.9.2007) 979 JLN PERUDA 1,
TAMAN PERUDA,
KEDAH.
BANK SIMPANAN N
MIKRO KEWAN
DOCUMENT CHECK LIST F
CUSTOMER : SITI SARAH BINTI SHAHUL H
NRIC : 830209-02-5640
Mandatory/
Support
Application Form (Duly
1 M
Completed)
2 NRIC (Both Applicant & Spouse) M
SSM Business Registration

(Complete Borang E, Maklumat
3 M
Pemilik Masa Kini & Maklumat
Perniagaan)
Business Licence (Municipal /

4 Majlis Daerah / City Hall) From M
Local Town Council
Operating Permit / Licence

5 Applicable to Specific Industries M
(Transport etc)
Bank Savings Passbook / Current
Account Statements / EPF
6 Statements / Tabung Haji Savings M
/ ASB / Unit Trusts / BSN SSP /
Other Financial Savings
7 Premise Rental Agreement S
Letter of Offer From Banks on

8 Existing Loans (Including Hire S
Purchase Agreements)
Property Title / Vehicle
9 S
Registration Card
10 Income Evidence S
Purchase
11
receipts/invoices/ledgers/etc
Utility Bills
12 S
(Water/electricity/Astro/Phone)
Other documents for operations
13 M
expenses
14 Quotation/Invoices/Delivery Order M
15 Guarantor NRIC M
Guarantor Payslip / Employers
16 M
Confirmation
17 EPF Statement M
18 Employers Confirmation M
Note: M- Mandatory Document
S- Supporting Document
JMK-Checklist 09/08/HD/AW
BANK SIMPANAN NASIONAL
MIKRO KEWANGAN
CUMENT CHECK LIST FOR PROCESSING
ARAH BINTI SHAHUL HAMIDApplication Received :
-02-5640
Exceptions / Waivers Date Received
- 10/10/2013
- 10/10/2013
- 10/10/2013
If the business premise

/ operation does not
require a licence /
permit from local
authorities. RO to
ascertain.
Applicable to relevant
industries only.
Can be waived if 19.9.2013
applicant does not
have any form of
savings
10/13/2013
If the business premise
is owned by applicant.
-
10/13/2013
-
10/13/2013
10/21/2013
-
-
-
-
-
-
10/21/2013
DATE CUSTOMER
PROVIDE COMPLETE
SET OF DOCUMENTS
:
BRO NOORZANA
Signature :
10/10/2013
Remarks
2 copies each.
20.12.11 (hantar ssm baru)
Details refer to Appendix 1

Latest 6 months balances
Obtain if assets are still under

financing.
To obtain if assets are fully

owned.
Income tax forms, sales
records, management
accounts, sales receipt (any
one)
Any documented evidence of
inventory/raw material
expenses
utility bills (both business &
household)
Applicable for asset

purchase/financing
Applicable if Guarantor is
required. For Partnership
Businesses, partners are to
stand as guarantors
Applicable if Guarantor is
required. For Partnership
Businesses, partners are to
stand as guarantors
MK02/003/10/13/01158
0 2 1 0 0- 2 0 1 3- 0 8- 1 1 8 7- 0 1
SITI SARAH BINTI SHAHUL HA
830209025640
979 JLN PERUDA 1,
TAMAN PERUDA,
08000 SUNGAI PETANI,
KEDAH.
0
0124160919
SKIM MIKRO KEWANGAN
APPLICATION INFORMATION JMK/B/02 ###
###
30-Nov-10
OFFICER IN CHARGE LOAN/ FINANCING DETAILS (AS PER APPLICATION FORM) ###
Name : NOORZANA BINTI SAPRI Amount Applied (RM) : 30,000 ###
ID : 6275 Tenure (Years) : 5 ###
Contact No. : 04-4418976 Interest Rate % : 13.44% ###
File Reference : MK02/003/10/13/01158 Monthly Installment (RM) : 836.00 ###
Source MARKETING BSN Account Holder : YES ###
CUSTOMER & LOAN INFORMATION DETAILS BSN ACC NO 02190-41-00001934-6 ###
Name (as per NRIC) : SITI SARAH BINTI SHAHUL HAMID REFERENCES ###
NRIC : 830209-02-5640 Landlord (Business Premise) ###
No. of Dependants :1 a. Own Property (Name) : AB MUTALIB BIN HUSIN ###
Sex : FEMALE ###
Race : MALAY b. Rented (Landlord's Name) : 916 JLN PERUDA 2/3, ###
Residential Address : 53A, 1/1 LORONG KENARI JAYA, Address of Landlord : TAMAN PERUDA UTAMA, ###
: TMN KENARI INDAH, ; 08000 SUNGAI PETANI, ###
: 08000 SUNGAI PETANI, KEDAH. : KEDAH. ###
Telephone (Residence) : : ###
Telephone (Business) : Telephone (Residence) : 04-4222763 ###
Mobile Telephone : 012-4160919 Telephone (Office) : ###
Mobile Telephone ###
Rental Per Month : RM500 ###
Residence Supplier ###
a. Own (Name) : Full Name : YGS TRADING ###
b. Rented (Landlord) : Trading As : NO 261 JLN BPJ 3A/3A, ###
Address : Business Address : BANDAR PUTERI JAYA, ###
; : 08000 SUNGAI PETANI, ###
; : KEDAH. ###
; Telephone (Residence) : ###
: Telephone (Office) : 012-4953470 ###
Telephone (Residence) : Mobile Telephone : ###
Telephone (Office) : Referee ###
Mobile Telephone : Full Name : ANIS NAQIYAH BINTI AZRODI ###
SPOUSE'S DETAILS Address : F 105-B JLN BATU LINTANG SIMPOR,, ###
Name (as per NRIC) : NA ; 08600 TIKAM BATU ###
NRIC : : KEDAH. ###
Occupation : : ###
Employer : Telephone (Residence) : ###
Employer's Address : Telephone (Office) : ###
: Mobile Telephone : 012-5906949 ###
: Relationship to Applicant : KAWAN ###
: GUARANTOR DETAILS ###
Telephone (Residence) : Guarantor (Name as per NRIC) : ###
Telephone (Office) : NRIC : ###
Mobile Telephone : Residential Address : ###
INFORMATION ON BUSINESS ###
Name of Business : RESTORAN IERASA Occupation ###
Business Type : MILIKAN TUNGGAL Employer : ###
MENJUAL MAKANAN
Business Sector
: Employer's Address : Menju
SKS ALL CODE : WHOL-OTS01-6217 RETA
Business Registration : AS0298255-K(12.9.2007) : RETA
Business License : : ###
Address : 979 JLN PERUDA 1, Telephone (Residence) : ###
; TAMAN PERUDA, Telephone (Office) : ###
: 08000 SUNGAI PETANI, Mobile Telephone : ###
State : KEDAH. Monthly Income (Net) in RM : ###
Telephone (Business) : Monthly Expenses in RM : ###
Fax : Monthly Net Surplus (RM) : ###
No. of Full Time Workers :3 ###
No. of Part Time Workers :2 ###
No. of Owners :1 ###
Other Business Partners : ###
###
SENARAI PENILAIAN PERMOHONAN
SKIM MIKRO KEWANGAN
APPLICANT SITI SARAH BINTI SHAHUL HAMID
NRIC 830209-02-5640
SPOUSE NA
DEPENDANTS 1
FILE REFERENCE MK02/003/10/13/01158
AMOUNT APPLIED (RM) TENURE MONTHLY INST
RM 30,000 5 YEARS
CREDIT AND FINANCIAL ANALYSIS

CREDIT SCORING SCORE
1. REFERENCES (10%)
9%
2. CCRIS RECORD ( 35%)
35%
* IF NO CCRIS RECORD (18%)
3. FINANCIAL ANALYSIS (35%) #N/A
4. ADDITIONAL SAVINGS INFORMATION (10%) 10%
5. EVALUATION BY OFFICER (10%) 8%
TOTAL #N/A
COMPLIANCE : CREDIT SCORING ≥ 50% #N/A
COMPLIANCE : FINANCIAL ANALYSIS>16% #N/A
FINANCING UTILIZATION ANALYSIS

UTILIZATION & PURPOSE RM FINANCED BY RM
ASSET ACQUISITION OWN EQUITY

MODAL TAMBAHAN 5,000 SIMPANAN 950
WORKING CAPITAL OTHER SOURCES
KERUSI DAN MEJA 4,250

PETI AIS 2,200
PERALATAN KATERING 8,500
ALATAN DAPUR 2,000
OTHERS MICRO FINANCE
PENJELASAN MIKRO 500 BSN 30,000
UBAH SUAI KEDAI 8,500

-
TOTAL 30,950 TOTAL 30,950
SENSITIVITY ANALYSIS ON LOAN AMOUNT AND REPA
LOAN AMOUNT (RM) LOAN TENURE (YEAR) MONTHLY INSTALLMENT(RM)
30,000 5 836.00
30,000 5 660.00
COMPLIANCE : MONTHLY REPAYMENT ≤33.0% OF NET INCOME/SURPLUS

Terms and C
DICADANGKAN PEMBIAYAAN SEPERTI DI BAWAH.
CONVENTIONAL (OIC'S RECOMMENDATION)
LOAN SUM (RM) TENURE (YEARS) MONTHLY INST

30,000 5 660
Signature
OIC and Date: NOORZANA BINTI SAPRI 16 April 2018
DECISION OF APPRO
DECISION
APPROVED DECLINED / DEFERRED AMOUNT TENURE (YEARS

Comments State Micro Financ
JAWATANKUASA PINJAMAN MIKRO KEWANGAN NE
0
0
1. Pengerusi ___________________________________________________
Pengarah Negeri
0
2. Pengerusi Silih Berganti ___________________________________________________
*Pengurus Wilayah (Semenanjung)

Pengurus Pembiayaan Pinjaman (Sabah/Sarawak)
3.Ahli ___________________________________________________
Pengurus Mikro Kewangan Negeri
Note
1. Original document to be filed.
2. Copies to the relevant OICs & Approving Authority(ies) for action.
3.*Priority of Alternate Chairmanship is on Regional Manager, if he/she is not available then the chairman
NOORZANA BINTI SAPRI
6275.00
04-4418976
BUSINESS SECTOR MENJUAL MAKANAN

N/A
GUARANTOR 0
GUARANTOR NRIC 0
GUARANTOR'S SALARY RM0
MONTHLY INSTALLMENT (RM) INTEREST RATE (PA)
836 13.44%
INFORMATION ON LOAN, REVENUE & EXPENDITURE

Gross Income of Applicant RM
Add : Non Operating Income RM
Total Income RM
Less: Total Expenses RM
Net Income RM
% Repayment/Gross Income
% Repayment/Net Income
FINANCIAL ANALYSIS
ITEM Current Funding
Month Month
TURNOVER/INCOME
1 Revenue 19,600 19,600
Inventory & Raw Material Procurement 11,760 11,760
Gross Income 7,840 7,840

EXPENSES/OPERATING COSTS
Payroll & Wages 3,400 3,400

Premise Rental 500 500
Utilities 300 300
Transport 300 300
Maintenance of Factory/Equipment - -
Miscellaneous & Other Expenses - -
Finance/Loan Repayments 660 660
TOTAL EXPENSES 5,160 5,160
- SURPLUS/DEFICIT 2,680 2,680

1
UNT AND REPAYMENT CAPACITY Upfront Deductions

% REPAYMENT/ % REPAYMENT/ Insurance
GROSS INCOME NET INCOME/SURPLUS 2 Month Deposits
9.4% 25.0% 1 Month Advance
Payment
Document Charges 2
7.4% 19.7%
OME/SURPLUS 1 Total
Terms and Conditions
COMPULSORY
PRODUCT TYPE
MONTHLY INSTALLMENT (RM) INTEREST RATE SAVINGS (RM)
660.00 6.38% 55 TemaNiaga
Recommended By
Name & Date .
CISION OF APPROVING AUTHORITY

AMOUNT APPROVED
TENURE (YEARS) MONTHLY INSTALLMENT INTEREST RATE

e Micro Finance Loan Committee Secretary
EWANGAN NEGERI ( STATE MICRO FINANCE LOAN COMMITTEE)
0
0
0
0
___________________________________________________
________________________________________________
Ketua Kawalan Kredit Cawangan (KKK) Ketua Seksyen Kredit Proses (KSKP)
___________________________________________________
Permanent Secretary
en the chairmanship falls on either KSKP / KKK. Date:
JMK/S/01B
6275.00
04-4418976
MENJUAL MAKANAN
0
0
RM0
N ON LOAN, REVENUE & EXPENDITURE

8,885
0
8,885
5,537
3,349
9.4%
25.0%
FINANCIAL ANALYSIS
After
Funding
24,500
13,524
10,976
3,910
575
345
345
-
-
1,115
6,290
4,686
Upfront Deductions
141.90
1320.00
660.00
10.00
#N/A
#N/A
N COMMITTEE)
SENARAI PENILAIAN PERMOHONAN
SKIM MIKRO KEWANGAN(TEMANIAGA-i)
APPLICANT SITI SARAH BINTI SHAHUL HAMID
NRIC 830209-02-5640
SPOUSE NA
DEPENDANTS 1
FILE REFERENCE MK02/003/10/13/01158
AMOUNT APPLIED (RM) TENURE MONTHLY INST
RM 30,000 5 YEARS
CREDIT AND FINANCIAL ANALYSIS

CREDIT SCORING SCORE
1. REFERENCES (10%)
9%
2. CCRIS RECORD ( 35%)
35%
* IF NO CCRIS RECORD (18%)
3. FINANCIAL ANALYSIS (35%) #N/A
4. ADDITIONAL SAVINGS INFORMATION (10%) 10%
5. EVALUATION BY OFFICER (10%) 8%
TOTAL #N/A
COMPLIANCE : CREDIT SCORING ≥ 50% #N/A
COMPLIANCE : FINANCIAL ANALYSIS>16% #N/A
FINANCING UTILIZATION ANALYSIS

UTILIZATION & PURPOSE RM FINANCED BY RM
ASSET ACQUISITION OWN EQUITY
WORKING CAPITAL OTHER SOURCES
OTHERS MICRO FINANCE

BSN 0
-
TOTAL - TOTAL -
SENSITIVITY ANALYSIS ON LOAN AMOUNT AND REPAY
FINANCING AMOUNT
FINANCE TENURE (YEAR) MONTHLY INSTALLMENT(RM)
(RM)
30,000 5 836.00
- 5 0.00
COMPLIANCE : MONTHLY REPAYMENT ≤33.0% OF NET INCOME/SURPLUS

Terms and Co
ISLAMIC (OIC'S RECOMMENDATION)
FINANCING SUM PURCHASE PRICE SELLING PRICE PROFIT

(RM) (RM) (RM)
0 0.00 0.00
Signature
OIC and Date: NOORZANA BINTI SAPRI 16 April 2018
DECISION OF APPROV
DECISION
RECOMMENDED DECLINED / DEFERRED AMOUNT TENURE (YEARS

Comments HQ Micro Finance Lo
HEADQUARTERS MICROFINAN
Azaddin Ngah Tasir Kamel Effendy M

(Chairman) (Alternate Ch
Norshahzan Halin Al Walid Ismail L
Note
1. Original document to be filed.
2. Copies to the relevant OICs & Approving Authority(ies) for action.
JMK/S/01
6275.00
04-4418976
BUSINESS SECTOR
MENJUAL
N/A MAKANAN
GUARANTOR 0
GUARANTOR NRIC 0
GUARANTOR'S SALARY RM0
THLY INSTALLMENT (RM) PROFIT RATE (PA)
836 13.44%
INFORMATION ON LOAN, REVENUE & EXPENDITURE

Gross Income of Applicant RM 8,885
Add : Non Operating Income RM 0
Total Income RM 8,885

Less: Total Expenses RM 5,537
Net Income RM 3,349

% Repayment/Gross Income 9.4%
% Repayment/Net Income 25.0%
FINANCIAL ANALYSIS
ITEM Current Funding After
Month Month Funding
TURNOVER/INCOME
1 Revenue 19,600 19,600 24,500
Inventory & Raw Material Procurement 11,760 11,760 13,524
Gross Income 7,840 7,840 10,976

EXPENSES/OPERATING COSTS
Payroll & Wages 3,400 3,400 3,910

Premise Rental 500 500 575
Utilities 300 300 345
Transport 300 300 345
Maintenance of Factory/Equipment - - -
Miscellaneous & Other Expenses - - -
Finance/Loan Repayments 660 660 1,115
TOTAL EXPENSES 5,160 5,160 6,290
- SURPLUS/DEFICIT 2,680 2,680 4,686

1
ND REPAYMENT CAPACITY Upfront Deductions

% REPAYMENT/ % REPAYMENT/ Insurance #REF!
GROSS INCOME NET INCOME/SURPLUS Mudharabah 0.00
9.4% 25.0% Beku Giro / Giro-i 0.00
Document Charges 2 10.00
0.0% 0.0%
/SURPLUS 1 Total #REF!

ms and Conditions
MONTHLY TENURE (YEAR) PROFIT RATE

INSTALLMENT (RM)
0.00 5 6.38%
Recommended By
Name & Date .
OF APPROVING AUTHORITY
AMOUNT APPROVED
URE (YEARS) MONTHLY INSTALLMENT INTEREST RATE

Finance Loan Committee B Secretary
CROFINANCE LOAN COMMITTEE B
Effendy Mohd Razali Nilammasri Ja'afar

ternate Chairman) 0
d Ismail Low Abdullah Mohd Sofian Amirudin
___________________________________________________
Permanent Secretary
MICRO FINANCE DEPARTMENT FINANCIAL HIGHLIGHTS
NAME OF APPLICANT
CASH FLOW PROJECTIONS : SITI SARAH BINTI SHAHUL HAMID
Financing By BSN Underlying Su

PARTICULARS / MONTH Before During After 4 5 6
INFLOW
Regular Revenue 19,600 19,600 24,500 24,500 24,500 24,500 Revenue (RM)
Other Revenues (Supporting Income) 0 0 0 0 0 0 Other Income (net figure only)
Expected Increase in Revenue (%)
Micro Finance Funding 30,000 Factor
Equity (Own Cash/Funding/Others) 950
TOTAL INFLOW 19,600 50,550 24,500 24,500 24,500 24,500

OUTFLOW
Cost & Expenses Operation Cost (R
Inventory & Raw Material Procurement 11,760 11,760 13,524 13,524 13,524 13,524 Cost of Sales
Payroll & Wages 3,400 3,400 3,910 3,910 3,910 3,910 Payroll (Workers & Business Partners Drawings
Premise Rental 500 500 575 575 575 575 Premise Rental Per Month (as per agreement)
Utilities 300 300 345 345 345 345 Utilities (Actual: Electricity/Water/Phone/Astro )
Transport 300 300 345 345 345 345 Transport Cost (Include Toll/Parking)
Maintenance of Factory/Equipment 0 0 0 0 0 0 Maintenance (Factory & Equipment)
Miscellaneous & Other Expenses 0 0 0 0 0 0 Miscellaneous/Other Costs/Advertising/Tax/License/Ins
Operations Expenses 16,260 16,260 18,699 18,699 18,699 18,699 Total Operational Costs
New Capital Expenditures/Working Capital Increase % (After Funding)
Asset Acquisition 5,000 factor
Working Capital 16,950
Others 9,000
Total Capex/Working Capital Requirements 0 30,950 0 0 0 0
Bank Loan / Borrowing Loans/Financing

Property/Housing Loans 0 0 0 0 0 0 Property Loans
Hire Purchase Loans 0 0 0 0 0 0 Hire Purchases
Credit Cards 0 0 0 0 0 0 Credit Cards
Personal Loans/ASB Loans/Tekun/AIM 400 400 400 400 400 400 Personal Loans/ASB/AIM/Tekun
Overdraft/Revolving Credit 0 0 0 0 0 0 Overdraft/Revolving
BSN Micro Credit & Micro Finance 260 260 0 0 0 0 BSN Micro Credit/Micro Finance
BSN Micro Finance (New) 0 0 660 660 660 660 BSN Micro Finance (New)
BSN Compulsory Savings (New) 0 0 55 55 55 55 BSN Compulsory Savings (New)
Finance Repayment 660 660 1,115 1,115 1,115 1,115 Total Repayment to Banks
Assets (RM)
Prepayments 0 #N/A 0 0 0 0 Total Fixed Assets
Cash/Bank
TOTAL OUTFLOW 16,920 #N/A 19,814 19,814 19,814 19,814 Stocks
BUSINESS NET SURPLUS / (DEFICIT) 2,680 #N/A 4,686 4,686 4,686 4,686 Debtors
Household Expenditure Others Assets
Food/Drinks 800 800 800 800 800 800 Total
House rent 280 280 280 280 280 280
Utilities 100 100 100 100 100 100
Transport 200 200 200 200 200 200
Education 0 0 0 0 0 0
Other Financial Liabilities (if any) 0 0 0 0 0
Other/Miscellaneous/Insurance (Non Business) 0 0 0 0 0
Total Household Expenditure 1,380 1,380 1,380 1,380 1,380 1,380
Household Expenditure ≥30% of Business Net Surplus 1 1 1 1 1 1
NET CASH SURPLUS/DEFICIT 1,300 #N/A 3,306 3,306 3,306 3,306
Net Cash Surplus: Revenues % 6.63% #N/A 13.49% 13.49% 13.49% 13.49%
Notes (if Applicable)

Underlying Supporting Data & Assumptions
(All figures in RM & rounded up)
19,600 Basis
gure only) REKOD JUALAN MAC-AUG 2013
Revenue (%) 25%
1.25
Operation Cost (RM) Basis

cos% 60% 11,760 TEMUDUGA
siness Partners Drawings 3,400 AMBILAN =RM1000
onth (as per agreement) 500 PEKERJA 800*3
city/Water/Phone/Astro ) 300
e Toll/Parking) 300
& Equipment)
Costs/Advertising/Tax/License/Insurance
16,260
15%
1.15
Installment (RM) Principal O/S (RM) Limit (RM) Basis
CCRIS & respective

Finance Institutions'
400 5,826 7,456 Letter of Offers &
Loan Agreement
260 668 10,000
660 30,000 30,000
55 - -
1,375 36,494 47,456
Liabilities (RM)
175,000 Trade Creditors Basis
8,000 Other Creditors STOK SEMASA = RM5,00
35,000 Short Term Loans 0 STOK DIBIAYAI = RM30,000
Long Term Loans 36,494
0 Others Liabilities
218,000 Total 36,494
Capital Invested 181,506
Pay...
GIRO
Post Dated Cheques
CREDIT APPRAISAL
SITI SARAH BINTI SH
979 JLN PERUDA 1,
TAMAN PERUDA,
08000 SUNGAI PETA
Inter Bank Giro KEDAH.
Source MARKETING
Others. Please Specify
1. Background/Brief History
Age 35 Years Status: BERKAHWIN No. of Dependants
SEBELUM MENJALANKAN PERRNIAGAAN PEMOHON BEKERJA SEBAGAI EKSECUTIF DI PENANG. MENJA
Experience KEDAI MAKAN I DI PREMIS YANG SAMA SEJAK TAHUN 2006
Spouse's Occupation 0 Monthly Salary RM0

STATUS: Mikro Kredit BSN O/S Bal RM445 Maturity : 01/01/2014
Micro Finance BSN O/S Bal Maturity :
Amanah Ikhtiar Malaysia O/S Bal Maturity :
Tekun O/S Bal Maturity :
2. Business Information
Name (Business) RESTORAN IERASA
Entity Type MILIKAN TUNGGAL Business Partner(s) 0
Modus Operandi MENJALANKAN PERNIAGAAN KEDAI MAKAN DI JLN HUTAN KAMPUNG. MENJUAL MAKANAN SARAPAN PA
TERDAPAT 10 JENIS LAUK DIMASAK SETIAP HARI. MENJUAL JUGA AIR MINUMAN
PERNIAGAAN DIBUKA DARI 6.30 PAGI SEHINGGA 10.00 MLM SETIAP HARI.
Length of Business: 6 Years based on : AS0298255-K(12.9.2007)

No of Employees 3 (Fulltime) 2 Part Timers
Operating Hours 7.00 AM 10.30 PM Day ISNIN to AHAD
Ownership : Own
of Premise X Rent Per Month RM500 Agreement & Tenure : TIADA
.
License : X SSM Date:
Local Town Council Date:
Authorized Permits Date: Please State :
Certification/Others Date: Please State :
Revenue / X Sales Record Present Revenue Monthly (RM) 19,600 Annual (RM) 235,200
Income
Evidence : Bank Statements State
X Others State TEMUDUGA DAN LAWATAN TAPAK
Market Niche : PELANGGAN PEMOHON TERDIRI DARIPADA PENDUDUK DI SEKITAR TAMAN DAN PELAJAR-PELAJAR IKM
Competition : TERDAPAT 2 KEDAI MAKAN YANG DIBUKA SEKITAR TAMAN YANG MENJADI PERSAINGAN PEMOHON.
Supplier : PEMOHON MENDAPATKAN BEKALAN TETAP DARI PEMBEKAL DAN KEBANYAKAN BARANG DI BELI DI SUP
YANG DIBELI SECARA TUNAI SETIAP HARI.
3. Assets & Liabilities
O/S Balance Monthly

Current Value Finance (RM) Installment
Assets (RM) Liabilities (As per CCRIS) Limit (RM) (RM)
Business Assets/Equipment 35,000 Property Loans - - -
Landed Properties 120,000 Hire Purchase Loans - - -
Motor Vehicles 20,000 Credit Cards - - -
Bank (Savings/Current/Fixed) 6,000 Other Loans (Personal/Tekun/AIM) 7,456 5,826 400
Cash in Hand/Petty Cash 2,000 Overdraft/Revolving - - -
ASB & Unit Trusts BSN Micro Finance (new) 30,000 30,000 660
EPF, Trust Fund & Gratuity BSN Micro Credit/Micro Finance 10,000 668 260
Other Assets
Total 183,000 Total 47,456 36,494 1,320
Net worth 146,506 Evaluation By Officer 8%
4. Credit Checking
CCRIS Conduct Prompt BSN D
### (0 month outstanding) 1
For the last 6
CCRIS Conduct
For the last 6
months : Satisfactory Prompt Pa
### (0+1 month outstanding) 1
Acceptable Acceptable
### (1+2 months outstanding)
No Records
### (No bank borrowings) Black List
Unsatisfactory (Facilities in constant arrears)
Special Attention Account
BRIS No Adverse Remark
Adverse Remark. State :
5. Referral Checking
Suppliers 5 Landlord 6 Referee 7
(Please extract the points/scores from the referral checking forms and fill up in the respective boxes)
6. Strengths
REKOD PINJAMAN MK TERDAHULU YANG BAIK.
REKOD CCRIS BAGI SEMUA KEMUDAHAN KREDIT YANG DIPEROLEHI ADALAH BAIK.
PERNIAGAAN BERDAYA MAJU.
MENYEDIAKAN PERKHIDMATAN TEMPAHAN DAN PENGHANTARAN.
7. Weakness
PERLUKAN MODAL TAMBAHAN UNTUK MENGEMBANGKAN PERNIAGAAN.
Signature Permanent Address Scoring

NO 53A LORONG KENARI JAYA, Evaluation By Officer
1/1 TAMAN KENARI INDAH, Credit Checking
08000 SUNGAI PETANI, KEDAH (ADIK ) Referral Checking
OIC NOORZANA BINTI SAPRI Contact Person : NOORJAHAR Savings/Reserves
Date 16-Apr-18 Contact No. : 012-5054083
SITI SARAH BINTI SHAHUL HAMID
979 JLN PERUDA 1,
TAMAN PERUDA,
08000 SUNGAI PETANI,
KEDAH.
1
MOHON BEKERJA SEBAGAI EKSECUTIF DI PENANG. MENJALANKAN PERNIAGAAN
K TAHUN 2006
RM0
01/01/2014
DI JLN HUTAN KAMPUNG. MENJUAL MAKANAN SARAPAN PAGI DAN NASI CAMPUR.
HARI. MENJUAL JUGA AIR MINUMAN
GGA 10.00 MLM SETIAP HARI.
AS0298255-K(12.9.2007)
TIADA
235,200
UGA DAN LAWATAN TAPAK

PENDUDUK DI SEKITAR TAMAN DAN PELAJAR-PELAJAR IKM DI SEKITAR .
KITAR TAMAN YANG MENJADI PERSAINGAN PEMOHON.
DARI PEMBEKAL DAN KEBANYAKAN BARANG DI BELI DI SUPERMARMET TESCO
Monthly
Installment
(RM)
-
-
-
400
-
660
260
1,320
(Based on OIC's Discretion)
BSN Database
● Prompt Paymaster
Acceptable
Black Listed
checking forms and fill up in the respective boxes)
DALAH BAIK.
AN.
Scoring
Evaluation By Officer 8%
Credit Checking 35%
Referral Checking 9%
Savings/Reserves 10%
Customer SITI SARAH BINTI SHAHUL HAMID
Business started since AS0298255-K(12.9.2007)
CCRIS 0+0+0+0+0+0
Savings with FI RM6,000.00
Credit Scoring #N/A
MICRO FINANCE PRICE MATRIX
Score
Items
4 3 2
Years in Business >5 5 4
Credit History (CCRIS)

over 6 months (No of Generally all facilities with no 50% of facilities prompt +
months in arrears). All facilities are arrears + occassional 1 50% of facilities with 1
Applicants without prompt
borrowings are months arrears month arrears
alloted 0 points
Savings with
Financial Institutions
(including BSN) based >6,000 4,001 to 6,000 1,501 to 4,000
on latest 6 months
balance (RM)
Credit Scoring >70 66-70 61-65

TOTAL SCORE
YEAR
PRODUCT TYPE
INTEREST RATE QUALIFY
Interest Rate Price Matrix

Products TemaNiaga / TemanMesra
Score Range 16 15 14 13
YEAR INTEREST RATE
1 10.00% 12.00% 13.00% 14.00%
2 7.62% 9.17% 9.95% 10.73%
3 6.88% 8.30% 9.02% 9.74%
4 6.55% 7.92% 8.62% 9.32%
5 6.38% 7.74% 8.43% 9.14%
Financing Rate Price Matrix

Products TemaNiaga-i
Score Range 16 15 14 13
YEAR INTEREST RATE
1 10.00% 12.00% 13.00% 14.00%
2 7.62% 9.17% 9.95% 10.73%
3 6.88% 8.30% 9.02% 9.74%
4 6.55% 7.92% 8.62% 9.32%
5 6.38% 7.74% 8.43% 9.14%
ANCE PRICE MATRIX
Score
2 1 0 Score
4 3 2 4
majority 1 month
% of facilities prompt + in arrears for all 2 months arrears in
0% of facilities with 1 4
facilities while any facility (ies) .
month arrears others prompt
1,501 to 4,000 1,000 to 1,500 <1,000 4
61-65 56-60 50-55 4

16
5
E TemaNiaga
ALIFY 6.38%
Matrix
TemaNiaga
12 11 to 3 ≤2
TEREST RATE
15.00% 17.00% 20.00%
11.51% 13.08% 15.45%
10.46% 11.92% 14.14%
10.03% 11.45% 13.63%
9.83% 11.26% 13.44%
Matrix
emaNiaga-i
12 11 to 3 ≤2
TEREST RATE
15.00% 17.00% 20.00%
11.51% 13.08% 15.45%
10.46% 11.92% 14.14%
10.03% 11.45% 13.63%
9.83% 11.26% 13.44%
MK02/003/10/13/01158
RESTORAN IERASA
MEMO KREDIT
NO. RUJUKAN : MK02/003/10/13/01158

PEMOHON : SITI SARAH BINTI SHAHUL HAMID
t/a RESTORAN IERASA
EKSEKUTIF : NOORZANA SAPRI
ZON : SUNGAI PETANI
AMAUN DICADANGKAN : RM30,000.00
TARIKH : 17-Oct-13
1.0 OBJEKTIF
1.1 Permohon dibentangkan kepada Jawatankuasa Pinjaman Mikro Kewangan Negeri atas perkara berikut:
a) Amaun cadangan : RM30,000.00

b) Kadar Faedah : 6.38% setahun
c) Tempoh :5 Tahun
d) Produk : TemaNiaga
e) Price Matrix 16
2.0 TUJUAN PINJAMAN

2.1 Tujuan pinjaman adalah seperti berikut :
Bil Tujuan Jumlah (RM)
1 Aset perniagaan dan katering 8,500.00
2 Ubah suai premis (dapur,) 8,500.00

3 Peralatan (peralatan dapur dan peti ais dan kerusi 8,450.00
4 Modal tambahan 5,000.00
5 Penjelasan Mikro Kewangan 500.00
Kos Keseluruhan 30,950.00
Jumlah Pinjaman 30,000.00
Pembiayaan peribadi 950.00
2.2 JUSTIFIKASI
2.2.1 Pemohon perlukan tambahan modal untuk membuat baik pulih premis iaitu dari
segi penambah baik bahagian dapur untuk memudahkan membuat kerja-kerja
memasak.
2.2.2 Kerusi meja juga perlu ditukar dan ditambah untuk menapung pelanggan yang
ramai pada satu- satu masa.
2.2.3 Pemohon perlu menambahkan asset untuk perkhidmatan katering yang

disediakan oleh pemohon untuk pejabat-pejabat kerajaan yang sering berurusan
dengan pemohon.
3.0 LATAR BELAKANG PERMOHONAN

3.1 Latar Belakang Pemohon
3.1.1 Nama : SITI SARAH BINTI SHAHUL HAMID

3.1.2 Umur : 30 tahun
3.1.3 Taraf perkahwinan : BUJANG
3.1.4 Pasangan : NA
3.1.5 Pekerjaan : NA
3.1.6 Alamat rumah : 53 A, 1/1 LORONG KENARI JAYA,TAMAN KENARI INDAH,08000 SUNGAI
PETANI, KEDAH.
3.1.7 Tanggungan : 0 ORANG
MIKRO KEWANGAN KEDAH

MK02/003/10/13/01158
RESTORAN IERASA
3.2 Latar Belakang Perniagaan

3.2.1 Nama : RESTORAN IERASA
3.2.2 Nombor pendaftaran : AS0298255-K(12.9.2007)
3.2.3 Bentuk perniagaan : MILIKAN TUNGGAL
3.2.4 Jenis perniagaan : MENJUAL MAKANAN
3.2.5 Lokasi perniagaan : 979 JLN PERUDA 1, TMN PERUDA, 08000 SUNGAI PETANI, KEDAH.
3.3 Modus Operandi
3.3.1 Sejarah Perniagaan
Menjalankan perniagaan kedai makan dari tahun 2006 dengan modal awal RM 10,000 daripada
3.3.2 simpanan
Produk sendiri.
- Menjual sarapan pagi, makan tengah hari dan malam.Menjual nasi campur dengan lebih 10 jenis lauk.
Pada waktu malam pemohon menjual makanan panas kepada pelanggan.
3.3.3 Operasi perniagaan
- Beroperasi setiap hari dari 7.00 pagi hingga 10.30 malam .
- Dibantu oleh 3 orang pekerja .
- Pemohon telah keluar daripada perniagaan pada 2011 kerana menjalankan perniagaan
lain(printing)dan menarik diri dari perniagaan ini dan masuk semula pada Mac 2013 kerana
perniagaan printing diambil alih oleh adik pemohon iaitu Noor fadzilah bt Shahul Hamid.
Segala urusan jualan adalah secara tunai sahaja.
3.3.4 Pembekal
- TEAM NORDIC,YGS TRADING, Pasaraya Tesco merupakan salah satu pembekal utama pemohon
.Urusniaga dijalankan secara tunai.
- Terdapat beberapa pembekal yang berurusniaga dengan pemohon. Antaranya adalah;
3.4.5 Pelanggan
- Pelanggan pemohon terdiri daripada penduduk sekitar kawasan Taman Peruda dan kawasan sekitarnya.
Urusniaga secara tunai.
4.0 SEMAKAN KREDIT

Pemohon
4.1 Rekod pinjaman BSN
PINJAMAN MIKRO KEWANGAN
AMAUN 10,000
BULANAN RM260.47
TEMPOH 1/1/2009-1/1/2014
STATUS Tiada tungaakan sehingga 21 Oct 2013
PURATA LEWAT BAYAR 6 HARI
ADV PAYMENT 6 HARI
ANALISA DARI PINJAMAN MIKRO KEWANGAN ( tahun 2010 )
i) Dari segi purata jualan tahun 2009 - jualan adalah sebanyak RM9,450/sebulan.
ii) Pinjaman digunakan untuk membuat modal pusingan.
iii) Purata peningkatan dari jualan tahun 2009 sehingga tahun 2013 adalah sebanyak 61.15 %.

MK02/003/10/13/01158
RESTORAN IERASA
iv) Bayaran pinjaman Mikro Kewangan adalah baik.
v) Perkhidmatan pemohon mendapat permintaan yang menggalakkan dari penduduk setempat. Ini
di buktikan dan perkembangan yang positif dalam tahun beroperasi.
4.2 Rekod CCRIS

TARIKH PINJAMAN BANK BAKI LIMIT BULANAN BACAAN
12/15/2008 Otlnfnce BSN 668 10,000 260 0+0+0+0+0+0

6/30/2012 Otlnfnce A-EON 1,707 2,456 150 0+0+0+0+0+0
9/6/2012 Otlnfnce A-EON 4,119 5,000 250 0+0+0+0+0+0
JUMLAH 6,494 17,456 660
4.3 Laporan BRIS

Tiada rekod
5.0 ANALISA PENDAPATAN PERNIAGAAN

5.1 Pemohon membuat rekod jualan,
BULAN Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13
JUALAN 18,475.00 20,313.00 20,025.00 21,085.00 22,445.00 15,258.00
(RM)
PURATA RM19,600.17
Data rekod jualan disahkan semasa lawatan tapak.
6.0 ANALISA TRANSAKSI AKAUN BANK
6.1 Akaun Simpanan
BANK TARIKH BAKI NO AKAUN

CIMB BANK 10/23/2013 6,000.00 830209025640
BSN 10/21/2013 31.95 02190-41-00001934-6
JUMLAH SIMPANAN RM6,000.00
Pemohon tidak mempunyai akaun semasa dan hanya mempunyai akaun simpanan. Berdasarkan jadual di atas,
pemonon mempunyai simpanan berjumlah RM 21,672.46. Hal ini menunjukkan pemohon suka menyimpan hasil
daripada keuntungan berniaga.

MK02/003/10/13/01158
RESTORAN IERASA
7.0 RASIONAL
7.1 Pemohon mempunyai rekod perniagaan yang baik dan telah membina reputasi yang baik dengan pembekal dan
pelanggan.
7.2 Rekod CRISS pemohon menunjukkan pemohon mempunyai karakter pengurusan hutang yang baik .
7.3 Pertimbangan untuk kelulusan adalah berdasarkan kepada perkembangan yang baik dan juga keperluan modal
kerja menunjukkan peniagaan pemohon memerlukan modal tambahan untuk mengembangkan perniagaan.
8.0 CADANGAN DAN SOKONGAN
8.1 Dicadangkan untuk kelulusan seperti perkara 1.0 di atas.
DISEDIAKAN & DICADANG OLEH : DISOKONG OLEH :
NOORZANA SAPRI ROZANA BINTI ISMAIL

EKSEKUTIF MIKRO KEWANGAN KU MIKRO KEWANGAN
MIKRO KEWANGAN KEDAH/ PERLIS KEDAH/PERLIS
4/16/2018
LAMPIRAN A
Nama pemohon SITI SARAH BINTI SHAHUL HAMID

Amaun dipohon RM50,000.00
Amaun dicadangkan RM30,000.00
WORKING CAPITAL REQUIREMENT (PENGIRAAN MODAL PUSINGAN)
AVERAGE DAYS RECEIVABLE 0 DAYS

AVERAGE DAYS INVENTORY 15 DAYS
15 DAYS
LESS (-)
AVERAGE DAYS PAYABLE 0 DAYS

15 DAYS
THE NUMBER OF TIMES EACH WORKING CAPITAL TURNS OVER A YEAR :
365 DAYS / 15 DAYS 24.33 TIMES

THEREFORE, THE ESTIMATED WORKING CAPITAL REQUIREMENT PER YEAR IS :
RM141,120 /24.33 5800.2

I SHAHUL HAMID
003/10/13/01158
RESTORAN IERASA
ut:
UNGAI
I SHAHUL HAMID
003/10/13/01158
RESTORAN IERASA
H.
00 daripada
10 jenis lauk.
erana
d.
emohon
n sekitarnya.
5 %.
I SHAHUL HAMID
003/10/13/01158
RESTORAN IERASA
mpat. Ini
CAAN
+0+0+0
+0+0+0
+0+0+0
ual di atas,
yimpan hasil
I SHAHUL HAMID
003/10/13/01158
RESTORAN IERASA
mbekal dan
uan modal
niagaan.
SITI SARAH BINTI SHAHUL H
MK02/003/10/13/0
RESTORAN IE
MEMO KREDIT
NO. RUJUKAN : MK02/003/10/13/01158
PEMOHON : SITI SARAH BINTI SHAHUL HAMID
t/a RESTORAN IERASA
EKSEKUTIF : NOORZANA BINTI SAPRI
ZON :
AMAUN DICADANGKAN : RM30,000.00
TARIKH :
1.0 OBJEKTIF
1.1
1.1.1 Cadangan kelulusan adalah seperti berikut :

a) Amaun cadangan : RM30,000.00
b) Kadar Faedah : 6.38%
c) Tempoh : 5
d) Produk : TemaNiaga
e) Cara Pembayaran :
f) Lain-lain :
2.0 TUJUAN PINJAMAN
2.1 Tujuan pinjaman adalah seperti berikut :
Bil Tujuan Jumlah

(RM)
1
Modal pusingan (pembelian laptop, komputer dll)
Penjelasan Mikro Kewangan
Kos Keseluruhan
Jumlah Pinjaman
Pembiayaan peribadi
Nota :
Memerlukan pembiayaan bagi tujuan pembelian laptop dan komputer baru untuk dijadikan stok. Ini disebabkan sebelum ini, pem
hanya akan mendapatkan stok jika terdapat tempahan dari pelanggan.
MIKRO KEWANGAN KUALA LUMPUR
MK02/003/10/13/0
RESTORAN IE
3.1 Latar Belakang Pemohon
3.1.1 Nama : SITI SARAH BINTI SHAHUL HAMID

3.1.2 Umur : 35 tahun
3.1.3 Taraf perkahwinan : BERKAHWIN
3.1.4 Pasangan : NA
3.1.5 Pekerjaan : 0 Pendapatan : RM 0
3.1.6 Alamat rumah : 53A, 1/1 LORONG KENARI JAYA,,TMN KENARI INDAH,,08000 SUNGAI PETANI, KEDAH.
3.1.7 Kediaman :
3.1.8 Tanggungan : 1 orang
3.2 Latar Belakang Perniagaan

3.2.1 Nama : RESTORAN IERASA
3.2.2 Nombor pendaftaran : AS0298255-K(12.9.2007)
3.2.3 Tarikh daftar : AS0298255-K(12.9.2007)
:
3.2.4 Bentuk perniagaan : MILIKAN TUNGGAL

3.2.5 Jenis perniagaan : MENJUAL MAKANAN
3.2.6 Lokasi perniagaan : TAMAN PERUDA,,08000 SUNGAI PETANI,,KEDAH.
3.3 Modus Operandi
3.3.1 Sejarah Perniagaan
3.3.2 Produk
-
3.3.3 Operasi perniagaan

-
-
3.3.4 Pembekal
-
Bil Nama Pembekal Terma Kredit

1
2
3
4
5
3.3.5 Pelanggan
-

MK02/003/10/13/0
RESTORAN IE
3.3.6 Persaingan
-
4.0 SEMAKAN KREDIT
Pemohon
4.1 Rekod pinjaman BSN
PINJAMAN MIKRO KEWANGAN

AMAUN
BULANAN
TEMPOH
STATUS
PURATA LEWAT BAYAR
TEMPOH PALING LEWAT
4.2 Rekod CCRIS

TARIKH PINJAMAN BANK BAKI LIMIT BULANAN BACAAN
JUMLAH 0 0 0
4.3 Laporan BRIS
5.0 ANALISA PENDAPATAN PERNIAGAAN
5.1 Ringkasan rekod jualan adalah seperti di bawah dan perincian jualan adalah seperti di Lampiran
BULAN
JUALAN
(RM)
PURATA #DIV/0!
•

MK02/003/10/13/0
RESTORAN IE
6.0 ANALISA TRANSAKSI AKAUN BANK
Entiti : RESTORAN IERASA No Akaun :

Bank : Cawangan :
BULAN KELUAR BIL MASUK BIL BAKI
JUMLAH - 0 - 0 -
PURATA #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
7.0 RASIONAL
7.1
7.2
7.3
8.0 CADANGAN DAN SOKONGAN

8.1
DISEDIAKAN & DICADANG OLEH

EKSEKUTIF MIKRO KEWANGAN
RM30,000.00
TARIKH : 4/16/2018

MK02/003/10/13/0
RESTORAN IE
LAMPIRAN A
Nama pemohon : SITI SARAH BINTI SHAHUL HAMID

Amaun dipohon : RM30,000.00
Amaun dicadangkan : RM30,000.00
WORKING CAPITAL REQUIREMENT (PENGIRAAN MODAL PUSINGAN)
AVERAGE DAYS RECEIVABLE (Cash/credit basis) DAYS

AVERAGE DAYS INVENTORY DAYS
0 DAYS
LESS (-)
AVERAGE DAYS PAYABLE (Cash/Credit basis) DAYS

0 DAYS
THE NUMBER OF TIMES EACH WORKING CAPITAL TURNS OVER A YEAR :
365 DAYS / 0 DAYS #DIV/0! TIMES
COST OF SALES PER ANNUM IS AT RM0
THEREFORE, THE ESTIMATED WORKING CAPITAL REQUIREMENT PER YEAR IS :
RM0 #DIV/0! #DIV/0! @
Rasional Pembiayaan modal pusingan sebanyak RM:
Item RM
JUMLAH
-
SHAHUL HAMID
03/10/13/01158
ESTORAN IERASA
m ini, pemohon
1-4
SHAHUL HAMID
03/10/13/01158
ESTORAN IERASA
NI, KEDAH.
2-4
SHAHUL HAMID
03/10/13/01158
ESTORAN IERASA
3-4
SHAHUL HAMID
03/10/13/01158
ESTORAN IERASA
4-4
SHAHUL HAMID
03/10/13/01158
ESTORAN IERASA
SENARAI SEMAKAN CIF DAN CA
Nama Peminjam : SITI SARAH BINTI SHAHUL HAMID

No.Kad Pengenalan : 830209-02-5640
Penjamin : Ya Tidak
Customer Information File (C
Main ITEM VALUE M C
Id No 830209-02-5640
Country of Orgin MY
Customer Category CR
ID Type IC
Nationality MY
Sex/Gender FEMALE
Marital Status BERKAHWIN
Industry Code WHOL
ITEM VALUE M C
Current
Address
Permanent
Office/Business Premise
ITEM VALUE M C
Bank A.C
Facility Amount (Total Liabilities) 36494
Bank A.C
Deposit/Loan (Total asset) 183000
Remark-1 (Amount saving) 6000
ITEM VALUE M C
Bumi Y
Business activity code
Constitution code 01
Central Bank information
(ML) Entity Type 11
Resident Y
(ML) Residency Status B
(ML) Corporate Status M
(ML) Industrial Sector
ITEM VALUE M C
Contact Person Preference Pembekal

- Name
- Telephone no & type Pemilik Premis
Kenalan
Credit Application (CA)
ITEM VALUE M C
Customer Category CR
Officer in Charge 1 NOORZANA BINTI SAPRI

Master
Officer in Charge 2 NOORZANA BINTI SAPRI
Introducer
Recommender
ITEM VALUE M C
Loan amount 30,000.00
Loan period 5
Finance Detail Margin rate
Total rate 6.38%
Installment amount
Product Code TemaNiaga
ITEM VALUE M C
Account type IND
C.B /Mics File Ref.No MK02/003/10/13/01158

Detail 1
Country code MYR
Sector Code OTS01
*Other Sys.Ref AC.No
*OLD IC Number
Loan Classification Others
Secured by 6
* TemanMesra only
*OLD IC Number for TM templete not in SKS

ITEM VALUE M C
Purpose/sectoral code 6217
Principal repay frequency M
(ML) Facility Type (CCRIS) 34651
(ML) Purpose of loan (CCRIS)
(ML) Special Fund scheme 00

C.B Detail
Financing Concept 99
(ML) Principal repayment term 14

(CCRIS)
(L) Specific DFI Financing Details 42
(CCRIS)
(ML) Type of Pricing 80

(ML) Priority Sector Y
(ML) Location of Loan Utilization KEDAH.
Maklumat yang dimasukkan ke dalam SKS adalah benar dan mengikut maklumat di dalam fail pelanggan
Disediakan oleh ("Maker")

Nama :
Tarikh :
Note :-
M - Maker
C - Checker
JMK/007
ASIONAL
CIF DAN CA
Credit Application No :
ormation File (CIF)
ITEM VALUE M C
Employer Short Name
Occupation Code
Industry Code WHOL

Employment
Employer (Business Type) MENJUAL MAKANAN
Monthly Salary (nett) 2,680
Employer Work Sector
Position
ITEM VALUE M C
No Of Dependent 1
Race MALAY
Personal Information
Conduct CTOS reading
(BRIS info)
Conduct CCRIS reading for
last 6 mths
Education Level
ITEM VALUE M C
Telephone Information
House 0
Telephone Information
Office 0
Mobile 012-4160919
ITEM VALUE M C
Income Salary Income 1,300
Business Income 19,600
ITEM VALUE M C
Rental Expenses 500
Household/living expenses 1,380
Cost of sales 11760
Payroll wages 3,400
Expenses Utilities Expenses 300
Other Expenses (if any)
Maintenance cost (if any) 0
Loan Commitment (if any) 660
Tax expenses (if any)
Insurance expenses (if any)

pplication (CA)
ITEM M C
VALUE
Credit Score #N/A
Addi. Detail Price Matrix Score 16
Overlapped Tagging
JMK-Advertiser
ITEM VALUE M C
Percentage
Security Code -
Guarantor
Instr.of Claim
-
Nature of Guarantee -
No of Guarantor
ITEM M C
Checklist Maintenance Check item code

(FDD)
Obtained sighted on
n
Disahkan oleh ("Checker")

Nama :
Tarikh :
MICRO ENTERPRISE FUND
Name of Financial Institution : BANK SIMPANAN NASIONAL
I. Type of Financing : Conventional
II. Particulars of Applicant

Name of Borrower Business Reg No. New IC No. Old IC No.
SITI SARAH BINTI SHAHUL HAMID AS0298255-K(12.9.2007) 830209-02-5640
Nature of Business : Menjual Makanan
Type of Borrower : MILIKAN TUNGGAL Category Sector : RETAIL
Category : BUMI Size : MICRO

Sales Turnover : RM235200.00
Shareholders' Funds / Networth: RM146506.00 No Of Employee : 3
Ultimate Holding Company Information N/A

Business Reg. No : N/A
Name : N/A
Listing of full Shareholders / Owner M'sian % Foreign %
N/A 0.00 0.00
0.00 0.00
100.00 0.00 100.00
III. Project to be financed
Sector : RETAIL - MENJUAL MAKANAN
Market for Product
Domestic 100 % Project Location : 979 Jln Peruda 1,,Taman Peruda,,08000 Sungai Petani,
Export 0% State : Kedah.
Project Description :
Purpose of Loan :
IV. Loan Pricing
Track Records : 6 YEARS EXPERIENCES IN THE BUSINESS
Rate Charged : 6.38%
V. Amount Applied For Funding

Total Project Cost :RM30950.00
Amount Applied : RM30,000.00 OR 00.00% of total project cost: RM30950.00
Amount Approved: RM 15,000.00 Date Approved: 13/01/2012
(FI Authorized Officer) : NOORZANA BINTI SAPRI
Name : NOORZANA BINTI SAPRI

Contact Number : 04-4418976
Department : MICRO FINANCE
Date :
(For Bank Negara Malaysia Use) Comment if any: Amount
Recommendation : Approved
Rejected
Checked By : Date :
Approved By : Date :
INDUSTRY CODE
NO BUSINESS TYPE (SKS)
1 AKUAKULTUR AGRI
2 KONTRAKTOR LANDSKAP AGRI
3 LAIN -LAIN PERTANIAN TERMASUK PENYELENGGARAAN LADANG AGRI
4 PENANAMAN CENDAWAN AGRI
5 PENANGKAPAN IKAN AGRI
6 PERTERNAKAN AGRI
7 TAPAK SEMAIAN TANAMAN AGRI
8 BENGKEL BASIKAL COMM
9 BENGKEL ELEKTRIK DAN ELEKTRONIK COMM
10 BENGKEL KASUT COMM
11 BENGKEL KERETA COMM
12 BENGKEL MOTORSIKAL COMM
13 BENGKEL PENYELENGGARAAN KENDERAAN COMM
14 CYBER CAFÉ COMM
15 KARIKATUR / PELUKIS COMM
16 KELAS BERENANG COMM
17 KELAS KEAGAMAAN COMM
18 KELAS MEMANDU COMM
19 KELAS MUZIK DAN TARIAN COMM
20 KELAS PERTAHANAN DIRI COMM
21 KURSUS KESELAMATAN COMM
22 KURSUS LATIHAN PEMBINAAN COMM
23 KURSUS MEMASAK COMM
24 KURSUS PRA PERKAHWINAN COMM
25 KURSUS PRA UNIVERSITI COMM
26 MEMBAIKI KENDERAAN BERAT COMM
27 PENDIDIKAN COMM
28 PENERBITAN FILEM COMM
29 PENERBITAN MUZIK COMM
30 PENGURUSAN SUKAN DAN REKREASI COMM
31 PERGIGIAN COMM
32 PERKHIDMATAN DOBI COMM
33 PERKHIDMATAN FOTOGRAFI DAN BERKAITAN COMM
34 PERKHIDMATAN GUNTING RAMBUT COMM
35 PERKHIDMATAN KAUNSELING/MOTIVASI COMM
36 PERKHIDMATAN KERETA TARIK (untuk bengkel) COMM
37 PERKHIDMATAN KESIHATAN COMM
38 PERKHIDMATAN MENCUCI KENDERAAN COMM
39 PERKHIDMATAN PEMBERSIHAN COMM
40 PERKHIDMATAN PENDUA KUNCI COMM
41 PERKHIDMATAN PENGKEBUMIAN COMM
42 PERKHIDMATAN SEWAAN - PERALATAN SUKAN COMM
43 PERKHIDMATAN UJI KAJI MAKMAL COMM
44 PUSAT BAHASA COMM
45 PUSAT JAGAAN WARGA TUA COMM
46 PUSAT KECANTIKAN DAN SPA COMM
47 PUSAT KECERGASAN COMM
48 PUSAT KITAR SEMULA COMM
49 PUSAT MEMANCING COMM
50 PUSAT TUISYEN COMM
51 SEKOLAH RENDAH COMM
52 TADIKA COMM
53 TASKA COMM
54 TUKANG URUT COMM
55 KONTRAKTOR CONT
56 KONTRAKTOR ELEKTRIK CONT
57 KONTRAKTOR SALIRAN DAN PAIP CONT
58 KONTRAKTOR TELEKOMUNIKASI CONT
59 MEMBAIKI & MENYELENGGARA PENGHAWA DINGIN CONT
60 PERKHIDMATAN MENGECAT CONT
61 AGEN INSURAN FIRB
62 AGEN PEKERJA FIRB
63 JURU UKUR TANAH FIRB
64 PENGATURCARA FIRB
65 PENGIKLANAN FIRB
66 PEREKA FESYEN FIRB
67 PEREKA GRAFIK FIRB
68 PEREKA HIASAN DALAMAN FIRB
69 PERKHIDMATAN ARKITEK FIRB
70 PERKHIDMATAN ATURCARA MAJLIS FIRB
71 PERKHIDMATAN FOTOSTAT FIRB
72 PERKHIDMATAN GUAMAN FIRB
73 PERKHIDMATAN KEJURUTERAAN FIRB
74 PERKHIDMATAN KIRIMAN WANG FIRB
75 PERKHIDMATAN PEMBUNGKUSAN FIRB
76 PERKHIDMATAN PENYEDIAAN WASIAT FIRB
77 PERKHIDMATAN PENYELENGGARAAN SISTEM DAN PERALATAN KESELAMATAN FIRB
78 PERKHIDMATAN PERAKAUNAN DAN PERUNDING CUKAI FIRB
79 PERKHIDMATAN SEWAAN - KHEMAH DAN LAIN-LAIN FIRB
80 PERKHIDMATAN SEWAAN - MESIN DAN JENTERA BERAT FIRB
81 PERKHIDMATAN SEWAAN - SISTEM BUNYI FIRB
82 PERTUKARAN WANG ASING FIRB
83 PERUNDING FIRB
84 MEMBAIKI MESIN DAN JENTERA MANU
85 MEMPROSES HASIL PERIKANAN MANU
86 MEMPROSES HASIL PERTANIAN MANU
87 MEMPROSES KAYU MANU
88 MEMPROSES MAKANAN HAIWAN MANU
89 MEMPROSES PRODUK KESIHATAN MANU
90 MEMPROSES PRODUK MAKANAN DAN MINUMAN MANU
91 MENJAHIT PAKAIAN MANU
92 PEMBUATAN ANGGOTA PALSU MANU
93 PEMBUATAN ARANG MANU
94 PEMBUATAN BAHAN BINAAN MANU
95 PEMBUATAN BAHAN PELUNTUR MANU
96 PEMBUATAN BAJA MANU
97 PEMBUATAN BARANGAN KRAFTANGAN MANU
98 PEMBUATAN BARANGAN KULIT MANU
99 PEMBUATAN BARANGAN PLASTIK MANU
100 PEMBUATAN BARANGAN RUMAH SEPERTI CADAR, BANTAL DAN SEBAGAINYA MANU
101 PEMBUATAN BARANGAN SERAMIK MANU
102 PEMBUATAN BATIK MANU
103 PEMBUATAN BEKAS MAKANAN MANU
104 PEMBUATAN BINGKAI GAMBAR MANU
105 PEMBUATAN BOT MANU
106 PEMBUATAN CERMIN MANU
107 PEMBUATAN KAPAL MANU
108 PEMBUATAN KASUT DAN SELIPAR MANU
109 PEMBUATAN KEK, ROTI DAN BISKUT MANU
110 PEMBUATAN PAKAIAN MANU
111 PEMBUATAN PALET KAYU MANU
112 PEMBUATAN PERABOT MANU
113 PEMBUATAN PERALATAN INDUSTRI MANU
114 PEMBUATAN PERALATAN MAINAN MANU
115 PEMBUATAN KERANDA MANU
116 PEMBUATAN PERKAKASAN MASAKAN MANU
117 PEMBUATAN PINTU MANU
118 PEMBUATAN PRODUK BERASASKAN GETAH MANU
119 PEMBUATAN SIMEN MANU
120 PEMBUATAN SONGKET MANU
121 PEMBUATAN SONGKOK MANU
122 PENGIMPALAN MANU
123 PERCETAKAN MANU
124 AGEN KOMISEN & KUPON LETAK KERETA TSAC
125 AGEN PELANCONGAN TSAC
126 AGEN PERKAPALAN TSAC
127 BAS TSAC
128 BAS KILANG TSAC
129 BAS SEKOLAH TSAC
130 PERKHIDMATAN PENGANGKUTAN AIR TSAC
131 PERKHIDMATAN POS TSAC
132 PERKHIDMATAN SEWAAN - KERETA TSAC
133 PERKHIDMATAN SEWAAN - TROLI TSAC
134 PERKHIDMATAN SEWAAN - KENDERAAN PENGANGKUT TSAC
135 PERKHIDMATAN TEKSI TSAC
136 VAN TSAC
137 VAN SEKOLAH TSAC
138 AGEN GAS WHOL
139 GERAI MAKAN STATIK (termasuk pasar tani dan pasar malam) WHOL
140 GERAI MAKAN TIDAK STATIK WHOL
141 JUALAN LANGSUNG WHOL
142 KAFETARIA WHOL
143 KANTIN WHOL
144 KATERING WHOL
145 KEDAI MAKAN WHOL
146 MENJUAL AKSESORI/PERHIASAN DIRI WHOL
147 MENJUAL BAHAN DAN PERALATAN BINAAN WHOL
148 MENJUAL BAHAN PELUNTUR WHOL
149 MENJUAL BAJA WHOL
150 MENJUAL BARANG ELEKTRIK TERPAKAI WHOL
151 MENJUAL BARANGAN ANTIK WHOL
152 MENJUAL BARANGAN DAN PERALATAN PERUBATAN WHOL
153 MENJUAL BARANGAN ELEKTRIK DAN ELEKTRONIK WHOL
154 MENJUAL BARANGAN KEMAS WHOL
155 MENJUAL BARANGAN KULIT WHOL
156 MENJUAL BARANGAN OPTIKAL WHOL
157 MENJUAL BARANGAN RUNCIT WHOL
158 MENJUAL BARANGAN SERBAGUNA WHOL
159 MENJUAL BARANGAN TERPAKAI WHOL
160 MENJUAL BASIKAL WHOL
161 MENJUAL BERAS WHOL
162 MENJUAL BUKU DAN MAJALAH WHOL
163 MENJUAL BUNGA WHOL
164 MENJUAL CENDERAHATI (seperti barangan kraf dan sebagainya) WHOL
165 MENJUAL HAIWAN PELIHARAAN WHOL
166 MENJUAL HASIL PERIKANAN WHOL
167 MENJUAL HASIL TANI WHOL
168 MENJUAL JAM TANGAN WHOL
169 MENJUAL KASET, CAKERA PADAT DAN VIDEO KASET WHOL
170 MENJUAL KASUT DAN SELIPAR WHOL
171 MENJUAL KEK, ROTI DAN BISKUT WHOL
172 MENJUAL KELENGKAPAN DAN PERHIASAN RUMAH WHOL
173 MENJUAL KERTAS DINDING WHOL
174 MENJUAL KUNCI WHOL
175 MENJUAL LAMPU PERHIASAN WHOL
176 MENJUAL LANGSIR WHOL
177 MENJUAL MAKANAN WHOL
178 MENJUAL MAKANAN HAIWAN WHOL
179 MENJUAL MINUMAN WHOL
180 MENJUAL MINUMAN BERALKOHOL WHOL
181 MENJUAL MINYAK WANGI WHOL
182 MENJUAL MOTORSIKAL WHOL
183 MENJUAL PAKAIAN WHOL
184 MENJUAL PAKAIAN & KELENGKAPAN BAYI WHOL
185 MENJUAL PAKAIAN LELAKI WHOL
186 MENJUAL PAKAIAN TERPAKAI WHOL
187 MENJUAL PAKAIAN WANITA WHOL
188 MENJUAL PELBAGAI DAGING WHOL
189 MENJUAL PELBAGAI TELUR TERNAKAN WHOL
190 MENJUAL PERABOT WHOL
191 MENJUAL PERABOT TERPAKAI WHOL
192 MENJUAL PERALATAN DAN AKSESORI TELEKOMUNIKASI WHOL
193 MENJUAL PERALATAN KEAGAMAAN WHOL
194 MENJUAL PERALATAN KOMPUTER WHOL
195 MENJUAL PERALATAN MAINAN WHOL
196 MENJUAL PERALATAN MUZIK WHOL
197 MENJUAL PERALATAN PEJABAT WHOL
198 MENJUAL PERALATAN PENGKEBUMIAN WHOL
199 MENJUAL PERALATAN PERIKANAN WHOL
200 MENJUAL PERALATAN PERTANIAN WHOL
201 MENJUAL PERALATAN SUKAN WHOL
202 MENJUAL PERALATAN TULIS WHOL
203 MENJUAL PERMAIDANI WHOL
204 MENJUAL PETROL DAN MINYAK PELINCIR KENDERAAN WHOL
205 MENJUAL PRODUK KESIHATAN DAN KECANTIKAN WHOL
206 MENJUAL ROKOK WHOL
207 PEMBEKAL PERALATAN MAKMAL WHOL
208 PENGINAPAN WHOL
209 PERKHIDMATAN SEWA BAJU PENGANTIN TERMASUK ANDAMAN WHOL
210 PERKHIDMATAN SEWAAN - ALATAN MUZIK WHOL
211 PUSAT HIBURAN (kelab malam,pusat snooker dan sebagainya) WHOL
212 JUAL DAN BELI KERETA TERPAKAI WHOL
213 JUAL KERETA WHOL
214 PEMBEKAL AKSESORI DAN ALAT GANTI KENDERAAN WHOL
215 PEMBEKAL AKSESORI/PERHIASAN DIRI WHOL
216 PEMBEKAL BAHAN DAN PERALATAN BINAAN WHOL
217 PEMBEKAL BAHAN MEMBUAT KEK WHOL
218 PEMBEKAL BAHAN PELUNTUR WHOL
219 PEMBEKAL BAJA WHOL
220 PEMBEKAL BARANGAN DAN PERALATAN PERTANIAN WHOL
221 PEMBEKAL BARANGAN DAN PERALATAN PERUBATAN WHOL
222 PEMBEKAL BARANGAN ELEKTRIK DAN ELEKTRONIK WHOL
223 PEMBEKAL BARANGAN PERHIASAN RUMAH WHOL
224 PEMBEKAL BARANGAN PLASTIK WHOL
225 PEMBEKAL BARANGAN TERPAKAI WHOL
226 PEMBEKAL BENIH GETAH WHOL
227 PEMBEKAL BENIH KELAPA SAWIT WHOL
228 PEMBEKAL BERAS WHOL
229 PEMBEKAL BESI TERPAKAI WHOL
230 PEMBEKAL BINGKAI GAMBAR WHOL
231 PEMBEKAL BUKU DAN MAJALAH WHOL
232 PEMBEKAL CENDERAHATI (seperti barangan kraf dan sebagainya) WHOL
233 PEMBEKAL GETAH WHOL
234 PEMBEKAL HASIL PERIKANAN WHOL
235 PEMBEKAL JAM TANGAN WHOL
236 PEMBEKAL KASUT DAN SELIPAR WHOL
237 PEMBEKAL KEK, ROTI DAN BISKUT WHOL
238 PEMBEKAL KELAPA SAWIT WHOL
239 PEMBEKAL KOTAK WHOL
240 PEMBEKAL MAKANAN DAN BAHAN MAKANAN LAIN WHOL
241 PEMBEKAL MAKANAN HAIWAN WHOL
242 PEMBEKAL MESIN DAN JENTERA WHOL
243 PEMBEKAL MINUMAN WHOL
244 PEMBEKAL MINYAK MEMASAK WHOL
245 PEMBEKAL MINYAK WANGI WHOL
246 PEMBEKAL PAKAIAN WHOL
247 PEMBEKAL PALET KAYU WHOL
248 PEMBEKAL PELBAGAI DAGING WHOL
249 PEMBEKAL PELBAGAI TELUR TERNAKAN WHOL
250 PEMBEKAL PENAPIS AIR WHOL
251 PEMBEKAL PERALATAN JAHITAN WHOL
252 PEMBEKAL PERALATAN KOMPUTER WHOL
253 PEMBEKAL PERALATAN MAINAN WHOL
254 PEMBEKAL PERALATAN PEJABAT WHOL
255 PEMBEKAL PERALATAN SUKAN WHOL
256 PEMBEKAL PERALATAN TULIS AND ALATAN MENGAJAR WHOL
257 PEMBEKAL PETROL DAN MINYAK PELINCIR KENDERAAN (termasuk stesen minyak) WHOL
258 PEMBEKAL PRODUK BERASASKAN KEKABU WHOL
259 PEMBEKAL PRODUK HASIL TANI WHOL
260 PEMBEKAL SERBUK KAYU WHOL
261 PEMBEKAL TAYAR, TUBE DAN SEBAGAINYA WHOL
262 PEMBEKAL BIJIH LOGAM WHOL
263 PENGEDAR SURAT KHABAR WHOL
264 AGEN HARTANAH FIRB
SUB SECTOR SECTOR CODE
CODE (SKS) DESCRIPTION BNM CODE (1972)
AGR01 AGRICULTURE 1302
OTS02 SERVICES 9515
OTS02 SERVICES 9512
OTS02 SERVICES 9511
OTS02 SERVICES 9513
OTS02 SERVICES 9513
OTS02 SERVICES 9513
OTS02 SERVICES 9490
OTS02 SERVICES 9414
OTS02 SERVICES 9490
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9513
OTS02 SERVICES 9310
OTS02 SERVICES 9411
OTS02 SERVICES 9411
OTS02 SERVICES 9490
OTS02 SERVICES 9331
OTS02 SERVICES 9520
OTS02 SERVICES 9592
OTS02 SERVICES 9591
OTS02 SERVICES 9340
OTS02 SERVICES 9513
OTS02 SERVICES 9331
OTS02 SERVICES 9513
OTS02 SERVICES 9200
OTS02 SERVICES 9515
OTS02 SERVICES 9599
OTS02 SERVICES 9490
OTS02 SERVICES 9331
OTS02 SERVICES 9310
OTS02 SERVICES 9340
OTS02 SERVICES 9591
OTS02 SERVICES 9490
OTS02 SERVICES 9200
OTS02 SERVICES 9490
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9310
OTS02 SERVICES 9340
OTS02 SERVICES 9331
OTS02 SERVICES 5001
OTS02 SERVICES 5001
OTS02 SERVICES 5002
OTS02 SERVICES 5001
OTS02 SERVICES 5002
OTS02 SERVICES 5002
OTS02 SERVICES 8200
OTS02 SERVICES 8329
OTS02 SERVICES 8324
OTS02 SERVICES 8323
OTS02 SERVICES 8325
OTS02 SERVICES 8329
OTS02 SERVICES 8329
OTS02 SERVICES 8329
OTS02 SERVICES 8324
OTS02 SERVICES 8329
OTS02 SERVICES 8329
OTS02 SERVICES 8321
OTS02 SERVICES 8324
OTS02 SERVICES 8100
OTS02 SERVICES 8329
OTS02 SERVICES 8329
OTS02 SERVICES 8329
OTS02 SERVICES 8322
OTS02 SERVICES 8330
OTS02 SERVICES 8330
OTS02 SERVICES 8330
OTS02 SERVICES 8100
OTS02 SERVICES 8329
MFG04 MANUFACTURING 3829
OTS02 SERVICES 7116
OTS02 SERVICES 7191
OTS02 SERVICES 7191
OTS02 SERVICES 7112
OTS02 SERVICES 7112
OTS02 SERVICES 7112
OTS02 SERVICES 7122
OTS02 SERVICES 7210
OTS02 SERVICES 7116
OTS02 SERVICES 7199
OTS02 SERVICES 7116
OTS02 SERVICES 7113
OTS02 SERVICES 7113
OTS02 SERVICES 7113
OTS01 RETAIL 6231
OTS01 RETAIL 6310
OTS01 RETAIL 6310
OTS01 RETAIL 6250
OTS01 RETAIL 6310
OTS01 RETAIL 6310
OTS01 RETAIL 6310
OTS01 RETAIL 6310
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6250
OTS01 RETAIL 6250
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6218
OTS01 RETAIL 6219
OTS01 RETAIL 6250
OTS01 RETAIL 6231
OTS01 RETAIL 6216
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6212
OTS01 RETAIL 6213
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6215
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6217
OTS01 RETAIL 6231
OTS01 RETAIL 6217
OTS01 RETAIL 6222
OTS01 RETAIL 6231
OTS01 RETAIL 6241
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6211
OTS01 RETAIL 6211
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6250
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6249
OTS01 RETAIL 6231
OTS01 RETAIL 6221
OTS01 RETAIL 6250
OTS01 RETAIL 6320
OTS01 RETAIL 6231
OTS01 RETAIL 6231
OTS01 RETAIL 6310
WHO01 WHOLESALE 6133
OTS02 SERVICES 8310
BNM DESCRIPTION ALL CODE
Aquaculture AGRI-AGR01-1302
Agricultural Services AGRI-AGR01-1120
Ocean and coastal fishing AGRI-AGR01-1301
Livestock AGRI-AGR01-1118
Other repair shops, n.e.c. COMM-OTS02-9515
Electrical repair shop COMM-OTS02-9512
Repair of footwear and other leather good COMM-OTS02-9511
Repair of motor vehicles and motorcycles COMM-OTS02-9513
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
Theatrical producers and entertainment services COMM-OTS02-9414
Education Services COMM-OTS02-9310
Motion picture production COMM-OTS02-9411
Motion picture production COMM-OTS02-9411
Medical, dental and other health services COMM-OTS02-9331
Laundries, Laundry Services, and Cleaning and Dyeing Plants COMM-OTS02-9520
Photographic studios, including commercial photography COMM-OTS02-9592
Barber and beauty shops COMM-OTS02-9591
Welfare Institutions COMM-OTS02-9340
Sanitary and similar services COMM-OTS02-9200
Other repair shops, n.e.c. COMM-OTS02-9515
Personal services, n.e.c. COMM-OTS02-9599
Barber and beauty shops COMM-OTS02-9591
Sanitary and similar services COMM-OTS02-9200
General Contractors including Civil engineering contractors CONT-OTS02-5001
General contractors including civil engineering contractors CONT-OTS02-5001
Special trade contractors CONT-OTS02-5002
General contractors including civil engineering contractors CONT-OTS02-5001
Insurance FIRB-OTS02-8200
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Engineering, architechtural and technical services (including surveying,geological and prospecting services) FIRB-OTS02-8324
Data processing and tabulating services FIRB-OTS02-8323
Advertising services FIRB-OTS02-8325
Legal services FIRB-OTS02-8321
Financial Services (institution) FIRB-OTS02-8100
Accounting, auditing and book keeping services FIRB-OTS02-8322
Machinery and Equipment Rental FIRB-OTS02-8330
Financial Services (institution) FIRB-OTS02-8100
Machinery and Equipment except electrical n.e.c. MANU-MFG04-3829
Canning,preserving and processing of fish crustacea and similar foods MANU-MFG04-3114
Manufacture of vegetable and animal oils and fats MANU-MFG04-3115
Sawmills, planing and other wood mills MANU-MFG04-3311
Manufacture of prepared animal feeds MANU-MFG04-3122
Manufacture of drugs and medicines MANU-MFG04-3522
Manufacture of food products, n.e.c. MANU-MFG04-3121
Manufacture of Wearing Apparel, except Footwear MANU-MFG04-3220
Manufacture of rubber products, n.e.c. MANU-MFG04-3559
Manufacture of basic industrial chemicals except fertilisers. MANU-MFG04-3511
Manufacture of structural metal products MANU-MFG04-3813
Manufacturec of soap and cleaning preparations, perfumes, MANU-MFG04-3523
Manufacture of fertilisers and pesticides MANU-MFG04-3512
Manufacture of Pottery, China and Earthenware MANU-MFG04-3610
Manufacture of products of leather and leather substitutes, except footwear and wearing apparel. MANU-MFG04-3233
Manufacture of Plastic Products MANU-MFG04-3560
Manufacture of made-up textile goods except wearing apparel MANU-MFG04-3212
Manufacture of Pottery, China and Earthenware MANU-MFG04-3610
Spinning, weaving and finishing textile MANU-MFG04-3211
Manufacture of containers and boxes of paper and paperboard MANU-MFG04-3412
Manufacture of Wooden and cane containers and small cane ware MANU-MFG04-3312
Shipbuilding and repairing MANU-MFG04-3841
Manufacture of Glass and Glass Products MANU-MFG04-3620
(i) Shipbuilding and repairing MANU-MFG04-3841
Manufacture of Footwear, except Vulcanized or Moulded Rubber MANU-MFG04-3240
Manufacture of bakery products MANU-MFG04-3117
Manufacture of Wooden and cane containers and small cane ware MANU-MFG04-3312
Manufacture of Furniture and Fixtures, Except Primarily of Metal MANU-MFG04-3320
Machinery and Equipment except electrical n.e.c. MANU-MFG04-3829
Manufacture industries, n.e.c. MANU-MFG04-3909
Manufacture industries, n.e.c. MANU-MFG04-3909
Manufacture of electrical appliances and hardwares MANU-MFG04-3833
Manufacture of building materials MANU-MFG04-3693
Manufacture of rubber products, n.e.c. MANU-MFG04-3559
Manufacture of cement, lime and plaster MANU-MFG04-3692
Spinning, weaving and finishing textile MANU-MFG04-3211
Iron and Steel Basic Industries MANU-MFG04-3710
Printing, Publishing and Allied Industries MANU-MFG04-3420
Supporting services to land transport TSAC-OTS02-7116
Freight fowarding services TSAC-OTS02-7191
Freight fowarding services TSAC-OTS02-7191
Bus and tramway transport TSAC-OTS02-7112
Inland water transport TSAC-OTS02-7122
Post TSAC-OTS02-7210
Other services incidental to transport n.e.c. TSAC-OTS02-7199
Other passenger land transport TSAC-OTS02-7113
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Provision store WHOL-OTS01-6218
Super market WHOL-OTS01-6219
Rice, other grains, flour WHOL-OTS01-6216
Fish ( fresh, frozen, dried, roasted or salted) WHOL-OTS01-6212
Fruits and vegetables WHOL-OTS01-6213
Biscuits, cakes, bread and other bakery products WHOL-OTS01-6215
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-OTS01-6217
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-OTS01-6217
Beer, wine, spirits WHOL-OTS01-6222
Motorcycles and parts WHOL-OTS01-6241
Meat and poultry (fresh and frozen) WHOL-OTS01-6211
Meat and poultry (fresh and frozen) WHOL-OTS01-6211
Petrol, lubricating oils, etc. WHOL-OTS01-6249
Tobacco,cigars, cigarettes WHOL-OTS01-6221
Hotels, Rooming, Houses, Camps and Other Lodging Places WHOL-OTS01-6320
Motor vehicles, used WHOL-WHO01-6133
Motor vehicles, new WHOL-WHO01-6132
Part and accessories for motor vehicles WHOL-WHO01-6134
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Other building materials and builders hardwares (e.g. tools of trade, paints, cements, bricks, steel, sanitarywarWHOL-WHO01-6144
Confectionery (sweets, etc.) WHOL-WHO01-6114
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Tractors, farming and earthmoving equipment and parts WHOL-WHO01-6141
Other agricultural products (e.g. copra, seed but not foodstuffs or tobacco included above) WHOL-WHO01-6148
Other agricultural products (e.g. copra, seed but not foodstuffs or tobacco included above) WHOL-WHO01-6148
Rice, other grains, flour WHOL-WHO01-6116
Rubber WHOL-WHO01-6145
Fish (fresh, frozen, dried or salted) WHOL-WHO01-6112
Biscuits, cakes, bread and other bakery products WHOL-WHO01-6115
Palm oil WHOL-WHO01-6146
Large General Wholesalers WHOL-WHO01-6150
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-WHO01-6117
Business and industrial mechinery and equipment WHOL-WHO01-6142
Meat and poultry (fresh and frozen) WHOL-WHO01-6111
Meat and poultry (fresh and frozen) WHOL-WHO01-6111
Petrol, lubricating oils, etc WHOL-WHO01-6139
Fruits and vegetables WHOL-WHO01-6113
Large General Wholesalers WHOL-WHO01-6150
Part and accessories for motor vehicles WHOL-WHO01-6134
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. FIRB-OTS02-8310
SECTOR
AGRICULTURE - AKUAKULTUR
AGRICULTURE - KONTRAKTOR LANDSKAP
AGRICULTURE - LAIN -LAIN PERTANIAN TERMASUK PENYELENGGARAAN LADANG
AGRICULTURE - PENANAMAN CENDAWAN
AGRICULTURE - PENANGKAPAN IKAN
AGRICULTURE - PERTERNAKAN
AGRICULTURE - TAPAK SEMAIAN TANAMAN
SERVICES - BENGKEL BASIKAL
SERVICES - BENGKEL ELEKTRIK DAN ELEKTRONIK
SERVICES - BENGKEL KASUT
SERVICES - BENGKEL KERETA
SERVICES - BENGKEL MOTORSIKAL
SERVICES - BENGKEL PENYELENGGARAAN KENDERAAN
SERVICES - CYBER CAFÉ
SERVICES - KARIKATUR / PELUKIS
SERVICES - KELAS BERENANG
SERVICES - KELAS KEAGAMAAN
SERVICES - KELAS MEMANDU
SERVICES - KELAS MUZIK DAN TARIAN
SERVICES - KELAS PERTAHANAN DIRI
SERVICES - KURSUS KESELAMATAN
SERVICES - KURSUS LATIHAN PEMBINAAN
SERVICES - KURSUS MEMASAK
SERVICES - KURSUS PRA PERKAHWINAN
SERVICES - KURSUS PRA UNIVERSITI
SERVICES - MEMBAIKI KENDERAAN BERAT
SERVICES - PENDIDIKAN
SERVICES - PENERBITAN FILEM
SERVICES - PENERBITAN MUZIK
SERVICES - PENGURUSAN SUKAN DAN REKREASI
SERVICES - PERGIGIAN
SERVICES - PERKHIDMATAN DOBI
SERVICES - PERKHIDMATAN FOTOGRAFI DAN BERKAITAN
SERVICES - PERKHIDMATAN GUNTING RAMBUT
SERVICES - PERKHIDMATAN KAUNSELING/MOTIVASI
SERVICES - PERKHIDMATAN KERETA TARIK (untuk bengkel)
SERVICES - PERKHIDMATAN KESIHATAN
SERVICES - PERKHIDMATAN MENCUCI KENDERAAN
SERVICES - PERKHIDMATAN PEMBERSIHAN
SERVICES - PERKHIDMATAN PENDUA KUNCI
SERVICES - PERKHIDMATAN PENGKEBUMIAN
SERVICES - PERKHIDMATAN SEWAAN - PERALATAN SUKAN
SERVICES - PERKHIDMATAN UJI KAJI MAKMAL
SERVICES - PUSAT BAHASA
SERVICES - PUSAT JAGAAN WARGA TUA
SERVICES - PUSAT KECANTIKAN DAN SPA
SERVICES - PUSAT KECERGASAN
SERVICES - PUSAT KITAR SEMULA
SERVICES - PUSAT MEMANCING
SERVICES - PUSAT TUISYEN
SERVICES - SEKOLAH RENDAH
SERVICES - TADIKA
SERVICES - TASKA
SERVICES - TUKANG URUT
SERVICES - KONTRAKTOR
SERVICES - KONTRAKTOR ELEKTRIK
SERVICES - KONTRAKTOR SALIRAN DAN PAIP
SERVICES - KONTRAKTOR TELEKOMUNIKASI
SERVICES - MEMBAIKI & MENYELENGGARA PENGHAWA DINGIN
SERVICES - PERKHIDMATAN MENGECAT
SERVICES - AGEN INSURAN
SERVICES - AGEN PEKERJA
SERVICES - JURU UKUR TANAH
SERVICES - PENGATURCARA
SERVICES - PENGIKLANAN
SERVICES - PEREKA FESYEN
SERVICES - PEREKA GRAFIK
SERVICES - PEREKA HIASAN DALAMAN
SERVICES - PERKHIDMATAN ARKITEK
SERVICES - PERKHIDMATAN ATURCARA MAJLIS
SERVICES - PERKHIDMATAN FOTOSTAT
SERVICES - PERKHIDMATAN GUAMAN
SERVICES - PERKHIDMATAN KEJURUTERAAN
SERVICES - PERKHIDMATAN KIRIMAN WANG
SERVICES - PERKHIDMATAN PEMBUNGKUSAN
SERVICES - PERKHIDMATAN PENYEDIAAN WASIAT
SERVICES - PERKHIDMATAN PENYELENGGARAAN SISTEM DAN PERALATAN KESELAMATAN
SERVICES - PERKHIDMATAN PERAKAUNAN DAN PERUNDING CUKAI
SERVICES - PERKHIDMATAN SEWAAN - KHEMAH DAN LAIN-LAIN
SERVICES - PERKHIDMATAN SEWAAN - MESIN DAN JENTERA BERAT
SERVICES - PERKHIDMATAN SEWAAN - SISTEM BUNYI
SERVICES - PERTUKARAN WANG ASING
SERVICES - PERUNDING
MANUFACTURING - MEMBAIKI MESIN DAN JENTERA
MANUFACTURING - MEMPROSES HASIL PERIKANAN
MANUFACTURING - MEMPROSES HASIL PERTANIAN
MANUFACTURING - MEMPROSES KAYU
MANUFACTURING - MEMPROSES MAKANAN HAIWAN
MANUFACTURING - MEMPROSES PRODUK KESIHATAN
MANUFACTURING - MEMPROSES PRODUK MAKANAN DAN MINUMAN
MANUFACTURING - MENJAHIT PAKAIAN
MANUFACTURING - PEMBUATAN ANGGOTA PALSU
MANUFACTURING - PEMBUATAN ARANG
MANUFACTURING - PEMBUATAN BAHAN BINAAN
MANUFACTURING - PEMBUATAN BAHAN PELUNTUR
MANUFACTURING - PEMBUATAN BAJA
MANUFACTURING - PEMBUATAN BARANGAN KRAFTANGAN
MANUFACTURING - PEMBUATAN BARANGAN KULIT
MANUFACTURING - PEMBUATAN BARANGAN PLASTIK
MANUFACTURING - PEMBUATAN BARANGAN RUMAH SEPERTI CADAR, BANTAL DAN SEBAGAINYA
MANUFACTURING - PEMBUATAN BARANGAN SERAMIK
MANUFACTURING - PEMBUATAN BATIK
MANUFACTURING - PEMBUATAN BEKAS MAKANAN
MANUFACTURING - PEMBUATAN BINGKAI GAMBAR
MANUFACTURING - PEMBUATAN BOT
MANUFACTURING - PEMBUATAN CERMIN
MANUFACTURING - PEMBUATAN KAPAL
MANUFACTURING - PEMBUATAN KASUT DAN SELIPAR
MANUFACTURING - PEMBUATAN KEK, ROTI DAN BISKUT
MANUFACTURING - PEMBUATAN PAKAIAN
MANUFACTURING - PEMBUATAN PALET KAYU
MANUFACTURING - PEMBUATAN PERABOT
MANUFACTURING - PEMBUATAN PERALATAN INDUSTRI
MANUFACTURING - PEMBUATAN PERALATAN MAINAN
MANUFACTURING - PEMBUATAN KERANDA
MANUFACTURING - PEMBUATAN PERKAKASAN MASAKAN
MANUFACTURING - PEMBUATAN PINTU
MANUFACTURING - PEMBUATAN PRODUK BERASASKAN GETAH
MANUFACTURING - PEMBUATAN SIMEN
MANUFACTURING - PEMBUATAN SONGKET
MANUFACTURING - PEMBUATAN SONGKOK
MANUFACTURING - PENGIMPALAN
MANUFACTURING - PERCETAKAN
SERVICES - AGEN KOMISEN & KUPON LETAK KERETA
SERVICES - AGEN PELANCONGAN
SERVICES - AGEN PERKAPALAN
SERVICES - BAS
SERVICES - BAS KILANG
SERVICES - BAS SEKOLAH
SERVICES - PERKHIDMATAN PENGANGKUTAN AIR
SERVICES - PERKHIDMATAN POS
SERVICES - PERKHIDMATAN SEWAAN - KERETA
SERVICES - PERKHIDMATAN SEWAAN - TROLI
SERVICES - PERKHIDMATAN SEWAAN - KENDERAAN PENGANGKUT
SERVICES - PERKHIDMATAN TEKSI
SERVICES - VAN
SERVICES - VAN SEKOLAH
RETAIL - AGEN GAS
RETAIL - GERAI MAKAN STATIK (termasuk pasar tani dan pasar malam)
RETAIL - GERAI MAKAN TIDAK STATIK
RETAIL - JUALAN LANGSUNG
RETAIL - KAFETARIA
RETAIL - KANTIN
RETAIL - KATERING
RETAIL - KEDAI MAKAN
RETAIL - MENJUAL AKSESORI/PERHIASAN DIRI
RETAIL - MENJUAL BAHAN DAN PERALATAN BINAAN
RETAIL - MENJUAL BAHAN PELUNTUR
RETAIL - MENJUAL BAJA
RETAIL - MENJUAL BARANG ELEKTRIK TERPAKAI
RETAIL - MENJUAL BARANGAN ANTIK
RETAIL - MENJUAL BARANGAN DAN PERALATAN PERUBATAN
RETAIL - MENJUAL BARANGAN ELEKTRIK DAN ELEKTRONIK
RETAIL - MENJUAL BARANGAN KEMAS
RETAIL - MENJUAL BARANGAN KULIT
RETAIL - MENJUAL BARANGAN OPTIKAL
RETAIL - MENJUAL BARANGAN RUNCIT
RETAIL - MENJUAL BARANGAN SERBAGUNA
RETAIL - MENJUAL BARANGAN TERPAKAI
RETAIL - MENJUAL BASIKAL
RETAIL - MENJUAL BERAS
RETAIL - MENJUAL BUKU DAN MAJALAH
RETAIL - MENJUAL BUNGA
RETAIL - MENJUAL CENDERAHATI (seperti barangan kraf dan sebagainya)
RETAIL - MENJUAL HAIWAN PELIHARAAN
RETAIL - MENJUAL HASIL PERIKANAN
RETAIL - MENJUAL HASIL TANI
RETAIL - MENJUAL JAM TANGAN
RETAIL - MENJUAL KASET, CAKERA PADAT DAN VIDEO KASET
RETAIL - MENJUAL KASUT DAN SELIPAR
RETAIL - MENJUAL KEK, ROTI DAN BISKUT
RETAIL - MENJUAL KELENGKAPAN DAN PERHIASAN RUMAH
RETAIL - MENJUAL KERTAS DINDING
RETAIL - MENJUAL KUNCI
RETAIL - MENJUAL LAMPU PERHIASAN
RETAIL - MENJUAL LANGSIR
RETAIL - MENJUAL MAKANAN
RETAIL - MENJUAL MAKANAN HAIWAN
RETAIL - MENJUAL MINUMAN
RETAIL - MENJUAL MINUMAN BERALKOHOL
RETAIL - MENJUAL MINYAK WANGI
RETAIL - MENJUAL MOTORSIKAL
RETAIL - MENJUAL PAKAIAN
RETAIL - MENJUAL PAKAIAN & KELENGKAPAN BAYI
RETAIL - MENJUAL PAKAIAN LELAKI
RETAIL - MENJUAL PAKAIAN TERPAKAI
RETAIL - MENJUAL PAKAIAN WANITA
RETAIL - MENJUAL PELBAGAI DAGING
RETAIL - MENJUAL PELBAGAI TELUR TERNAKAN
RETAIL - MENJUAL PERABOT
RETAIL - MENJUAL PERABOT TERPAKAI
RETAIL - MENJUAL PERALATAN DAN AKSESORI TELEKOMUNIKASI
RETAIL - MENJUAL PERALATAN KEAGAMAAN
RETAIL - MENJUAL PERALATAN KOMPUTER
RETAIL - MENJUAL PERALATAN MAINAN
RETAIL - MENJUAL PERALATAN MUZIK
RETAIL - MENJUAL PERALATAN PEJABAT
RETAIL - MENJUAL PERALATAN PENGKEBUMIAN
RETAIL - MENJUAL PERALATAN PERIKANAN
RETAIL - MENJUAL PERALATAN PERTANIAN
RETAIL - MENJUAL PERALATAN SUKAN
RETAIL - MENJUAL PERALATAN TULIS
RETAIL - MENJUAL PERMAIDANI
RETAIL - MENJUAL PETROL DAN MINYAK PELINCIR KENDERAAN
RETAIL - MENJUAL PRODUK KESIHATAN DAN KECANTIKAN
RETAIL - MENJUAL ROKOK
RETAIL - PEMBEKAL PERALATAN MAKMAL
RETAIL - PENGINAPAN
RETAIL - PERKHIDMATAN SEWA BAJU PENGANTIN TERMASUK ANDAMAN
RETAIL - PERKHIDMATAN SEWAAN - ALATAN MUZIK
RETAIL - PUSAT HIBURAN (kelab malam,pusat snooker dan sebagainya)
WHOLESALE - JUAL DAN BELI KERETA TERPAKAI
WHOLESALE - JUAL KERETA
WHOLESALE - PEMBEKAL AKSESORI DAN ALAT GANTI KENDERAAN
WHOLESALE - PEMBEKAL AKSESORI/PERHIASAN DIRI
WHOLESALE - PEMBEKAL BAHAN DAN PERALATAN BINAAN
WHOLESALE - PEMBEKAL BAHAN MEMBUAT KEK
WHOLESALE - PEMBEKAL BAHAN PELUNTUR
WHOLESALE - PEMBEKAL BAJA
WHOLESALE - PEMBEKAL BARANGAN DAN PERALATAN PERTANIAN
WHOLESALE - PEMBEKAL BARANGAN DAN PERALATAN PERUBATAN
WHOLESALE - PEMBEKAL BARANGAN ELEKTRIK DAN ELEKTRONIK
WHOLESALE - PEMBEKAL BARANGAN PERHIASAN RUMAH
WHOLESALE - PEMBEKAL BARANGAN PLASTIK
WHOLESALE - PEMBEKAL BARANGAN TERPAKAI
WHOLESALE - PEMBEKAL BENIH GETAH
WHOLESALE - PEMBEKAL BENIH KELAPA SAWIT
WHOLESALE - PEMBEKAL BERAS
WHOLESALE - PEMBEKAL BESI TERPAKAI
WHOLESALE - PEMBEKAL BINGKAI GAMBAR
WHOLESALE - PEMBEKAL BUKU DAN MAJALAH
WHOLESALE - PEMBEKAL CENDERAHATI (seperti barangan kraf dan sebagainya)
WHOLESALE - PEMBEKAL GETAH
WHOLESALE - PEMBEKAL HASIL PERIKANAN
WHOLESALE - PEMBEKAL JAM TANGAN
WHOLESALE - PEMBEKAL KASUT DAN SELIPAR
WHOLESALE - PEMBEKAL KEK, ROTI DAN BISKUT
WHOLESALE - PEMBEKAL KELAPA SAWIT
WHOLESALE - PEMBEKAL KOTAK
WHOLESALE - PEMBEKAL MAKANAN DAN BAHAN MAKANAN LAIN
WHOLESALE - PEMBEKAL MAKANAN HAIWAN
WHOLESALE - PEMBEKAL MESIN DAN JENTERA
WHOLESALE - PEMBEKAL MINUMAN
WHOLESALE - PEMBEKAL MINYAK MEMASAK
WHOLESALE - PEMBEKAL MINYAK WANGI
WHOLESALE - PEMBEKAL PAKAIAN
WHOLESALE - PEMBEKAL PALET KAYU
WHOLESALE - PEMBEKAL PELBAGAI DAGING
WHOLESALE - PEMBEKAL PELBAGAI TELUR TERNAKAN
WHOLESALE - PEMBEKAL PENAPIS AIR
WHOLESALE - PEMBEKAL PERALATAN JAHITAN
WHOLESALE - PEMBEKAL PERALATAN KOMPUTER
WHOLESALE - PEMBEKAL PERALATAN MAINAN
WHOLESALE - PEMBEKAL PERALATAN PEJABAT
WHOLESALE - PEMBEKAL PERALATAN SUKAN
WHOLESALE - PEMBEKAL PERALATAN TULIS AND ALATAN MENGAJAR
WHOLESALE - PEMBEKAL PETROL DAN MINYAK PELINCIR KENDERAAN (termasuk stesen minyak)
WHOLESALE - PEMBEKAL PRODUK BERASASKAN KEKABU
WHOLESALE - PEMBEKAL PRODUK HASIL TANI
WHOLESALE - PEMBEKAL SERBUK KAYU
WHOLESALE - PEMBEKAL TAYAR, TUBE DAN SEBAGAINYA
WHOLESALE - PEMBEKAL BIJIH LOGAM
WHOLESALE - PENGEDAR SURAT KHABAR
SERVICES - AGEN HARTANAH
MICRO FINANCING INSURANCE SALES QUOTATION
Date 4/16/2018
I. Loan Borrower Information
Name SITI SARAH BINTI SHAHUL HAMID
Date Of Birth 2/9/1983
Age Next Birthday 36
NRIC/IC 830209-02-5640
II. Loan Information

Loan Amount 30,000.00
Term Of Loan (Year's) 5
III. Amount
Premium 141.90
Stamp Duty (+) -
Service Tax (+) -
Premium 141.90
Micro Financing Insurance is a non-participating reducing term assurance policy.
It is designed to provide coverage to pay off the outstanding unsecured personal term loan owing to the
bank in the event of the insured’s death (who is the borrower) or if the insured becomes totally and
permanently disabled. TPD coverage is up to age 60 and the maximum TPD is limited to RM 1,000,000
per life.
Important note: Medical underwriting is not required for this plan.
MICRO FINANCING INSURANCE ILLUSTRATION
Important Notes:
1. Benefits will never be less and premiums will never be more than in Set A.
2. The values shown below are for ILLUSTRATION ONLY. The final policy will be issued upon
the terms in the policy document and subject to the Company's underwriting terms and
conditions.
GUARANTEED (Set A)
Basic Policy Only
Age of Life
End of Year Premium Paid Commissions Surrender Value Sum Assured Assured at
at Beg. Of Yr Payable End of Year
[a] (b) (c) [d]
36
1 141.90 14.20 3 30,000 37
2 2 24,461 38
3 2 18,701 39
4 1 12,710 40
5 1 6,480 41
Date 4/16/2018
NRIC/IC 830209-02-5640

III. Amount
Premium #REF!
Stamp Duty (+) -
Service Tax (+) -
Premium -

per life.

Important Notes:
conditions.
GUARANTEED (Set A)
Basic Policy Only
Age of Life
[a] (b) (c) [d]
41
1 #REF! #REF! #REF! 30,000 32
2 #DIV/0! 24,461 33
3 #DIV/0! 18,701 34
4 #DIV/0! 12,710 35
5 #DIV/0! 6,480 36
Date 4/16/2018
Date Of Birth 2/9/1983 830209
NRIC/IC 830209-02-5640
III. Amount
Premium #REF!
Stamp Duty (+) - ###
Service Tax (+) - 6% SERVICE
Premium -

per life.

Important Notes:
conditions.
GUARANTEED (Set A)
Basic Policy Only
Age of Life
[a] (b) (c) [d]
31
1 #REF! #REF! #REF! 30,000 32
2 #DIV/0! 24,461 33
3 #DIV/0! 18,701 34
4 #DIV/0! 12,710 35
5 #DIV/0! 6,480 36
Date 4/16/2018

NRIC/IC 830209-02-5640
III. Amount
Premium -
per life.
Important Notes:
conditions.
GUARANTEED (Set A)
Basic Policy Only
Age of Life
[a] (b) (c) [d]
36
1 #DIV/0! #DIV/0! 3 30,000 37
2 #DIV/0! 24,461 38
3 #DIV/0! 18,701 39
4 #DIV/0! 12,710 40
5 #DIV/0! 6,480 41
Date 4/16/2018

Date Of Birth 2/9/1983 830209
NRIC/IC 830209-02-5640
III. Amount
Premium -
per life.
Important Notes:
conditions.
GUARANTEED (Set A)
Basic Policy Only
Age of Life
[a] (b) (c) [d]
36
1 #DIV/0! #DIV/0! 3 30,000 37
2 #DIV/0! 24,461 38
3 #DIV/0! 18,701 39
4 #DIV/0! 12,710 40
5 #DIV/0! 6,480 41
Prudential BSN Takaful Berhad (740651-H)
Level 8A, Menara Prudential,
No 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
P.O. Box 10073, 50704 Kuala Lumpur
Customer Service Hotline: 03-2053 7188 Fax: 03-2072 6188
Website: www.prubsn.com.my
TAKAFUL PERSONAL FINANCING PRODUCT ILLUSTRATIO

Person to be Covered Details
Person to be Covered : SITI SARAH BINTI SHAHUL HAMID P
I.C. No : 830209-02-5640
Date of Birth : 2/9/1983 Scenario 1 (x
Age Next Birthday : 36 Scenario 2 (y
Note : Net pr
Date of Quotation : 4/16/2018 investment p
Allocatio
Proposal No : 12313424 Participant
Bank Ref No : 12313476 PruBSN
Financing Amount (RM) : 0.00
Assumed Bank Rate (i%) : 6.38% Actual A
Option A : Full cover i.e. similar to loan term.
Loan Term : 5 Year
Option B : Cover up to 10 years only.
Option for Coverage : A Option A & B is only available for loan term 11 years 2010
and onwards.
Term of Coverage (Years) : 5 2010
Contribution Amount (RM) : #REF! 2009
Contribution Mode : Single Contribution 2008

2006
Plan Type : Family Takaful Plan

Description : (i) This product is 5-year reducing term takaful plan with benefit payable upon death prior to maturity.
(ii) This plan participates in investment profit of the ISA.
Guaranteed Non-Guaranteed
TF ISA
End of Up front
Cert wakalah Investment Profit Accumulated Value Scenar
Contribution Paid
Year charge Death Benefit Beginning Tabarru'
of Year into Charge Scenario Scenario Scenario Scenario Accumulated
ISA
1 (x%) 2 (y%) 1 (x%) 2 (y%) cash value
h(t) = h(t-1) + i(t) = i(t-1) +
(a) (b) (c ) (d) (e) (f) (g) (j) = h(t)
(d) + (f) - (e) (d) + (g) - (e)
0
1 0.00 #REF! 0.00 #REF! #REF! #REF! #REF! #REF! #REF!
Remarks:
1 ISA refers to Individual Special Account.
2 TF refers to Tabarru' Fund.
3 Total death benefits ((k) or (m)) will never be less than those in column (c).
4 Accumulated ISA illustrates the benefits payable based on the investment strategy for this type of plan and the
of future experience in a scenario 1/scenario 2 investment profit scenarios.
5 The accumulated ISA may fall below the total contributions in the ISA, depending on the actual performance of the fund.
6 The investment profits illustrated here are for illustration purposes only and are NOT GUARANTEED.
7 The actual investment profit that would be declared may be more or less, depending on the operating and investment results expe
8 Past actual performance is not a guide to future performance which may be different.
9 You should satisfy yourself that the plan serves your needs and that you can afford the contribution.
10 Death benefit is guaranteed as in the event of deficiency in tabarru’ fund, PruBSN shall rectify the deficit through
benefit at beginning of the year payable upon Death or Total and Permanent Disability (before age 65).
PruBSN TPF BSN Calculator_v1.6

Product Disclosure Sheet
Read this Product Disclosure Sheet before you decide to participate in Takaful Personal Financing. Be sure to
also read the general terms and conditions. The information provided in this disclosure sheet is valid as at
16-4-2018. Takaf
1. What is this product about?

This certificate offers Takaful protection for 5 years. It pays a lump sum death benefit if you die or
during the term of the certificate.
2. What are the Shariah concepts applicable?

● Tabarru' - An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need throug
entitled to them.
● Wakalah Bil Ajr - An arrangement appointing us to manage the overall services provided under your Certificate. We will take a por
contribution in return of these services, which include commission and distribution related charge.
● Mudharabah - An arrangement allowing us to invest your funds from ISA where any profit from such investments will be shared a
ratio.
3. What are the covers/benefits provided?

###
###
● Length of the plan: 5 years or until you die (if you die earlier)
4. How much contribution do I have to pay?

The total contribution that you have to pay and the certificate terms may vary depending on our assessment of the risks involved:
###
5. What are the fees and charge I have to pay?

Type Amount
● Up front wakalah charge #REF!
#REF!
6. What are some of the key terms and conditions that I should be aware of?
● It is your duty to tell us about important facts - You must tell us all important facts such as your medical condition, and state your
● Free-look period - You may cancel your certificate by writing to us and returning the takaful certificate within 15 calendar days of
We will refund the contributions that you have paid less any medical fee incurred by us.
● In the event of total and permanent disability before age 65, one lump sum payable under all certificates with PruBSN is up to RM
person. Any excess is paid on the first anniversary of the Covered Member's total and permanent disability subject to proof of co
Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable for TPD claims under all certifi
million per person.
Note: This list is non-exhaustive. Please refer to the takaful certificate for the terms and conditions under this certificate.
7. What are the major exclusions under this certificate?

Death
● We will not pay any claim due to the following conditions:
(a) If the death is due to suicide within the first certificate year
(b) If the death is due to pre-existing condition within the first certificate year
However, we will pay the value in the ISA.
Total and Permanent Disability

● We will not pay any claim if the disability is directly or indirectly caused by:
(a) attempted suicide or self-inflicted injuries while sane or insane.
(b) engaging in aerial flights including parachuting and sky-diving other than as a crew member of or as a fare-paying passenger o
passenger-carrying commercial aircraft operating on a regular scheduled route.
Note: The list is non exhaustive. Please refer to the takaful certificate for the full list of exclusions under this certificate.
8. Can I cancel my certificate?

Participating in a Family Takaful plan is a long-term financial commitment. The cash amount that we
certificate before the maturity period may be much less than the total amount of contribution that you have paid. You may cancel y
written notice to PruBSN.
9. What do I need to do if there are changes to my contact details?

It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on tim
10. Where can I get further information?

If you need other information about Family Takaful, please see the insuranceinfo booklet on ‘Family Tak
you can get a copy from EPK or visit www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:

Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail
50250 Kuala Lumpur
Tel: 03-2053 7188 Fax: 03-2072 6188 email: customer@prubsn.com.my
You can also log on to www.prubsn.com.my
IMPORTANT NOTE:
PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHO
BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CE
CONTACT US DIRECTLY FOR MORE INFORMATION.

NANCING PRODUCT ILLUSTRATION
Projected Investment Profit

Gross Net
Scenario 1 (x%) 3.00% 2.21%
Scenario 2 (y%) 4.61% 3.39%
Note : Net projected investment profit after tax deduction and
investment profit sharing
Allocation of Investment Profit

Participant 80.00%
PruBSN 20.00%
Actual Annual Investment Profit

Year Tabarru' ISA
2010 4.31% 4.24%
2010 4.31% 4.24%
2009 2.70% 3.35%
2008 3.80% 3.65%

2006 N/A N/A
Total Benefits
Scenario 1 (x%) Scenario 2 (y%)
Accumulated Death Benefit Accumulated

cash value cash value Death Benefit
(j) = h(t) (k) = (c) + (h) (l) = i(t) (m) = (c) + (i)
#REF! #REF! #REF! #REF!

stment strategy for this type of plan and the PruBSN current practices and assessment
ing on the actual performance of the fund.

re NOT GUARANTEED.
ending on the operating and investment results experienced by PruBSN
ifferent.
fford the contribution.
u’ fund, PruBSN shall rectify the deficit through qard al-hasan or outright transfer. Death
Disability (before age 65).
Takaful Personal Financing Term Takaful Plan
lump sum death benefit if you die or are totally and permanently disabled
nto a fund to assist fellow participants in need through the benefits
ces provided under your Certificate. We will take a portion of your

mmission and distribution related charge.
here any profit from such investments will be shared according to a fixed
depending on our assessment of the risks involved:
Amount
t facts such as your medical condition, and state your age correctly.
ning the takaful certificate within 15 calendar days of us delivering it to you.
s any medical fee incurred by us.
payable under all certificates with PruBSN is up to RM1 million per

s total and permanent disability subject to proof of continued disability.
The maximum payable for TPD claims under all certificates is RM 4
n as a crew member of or as a fare-paying passenger on a licensed
l commitment. The cash amount that we will pay you when you cancel the
t of contribution that you have paid. You may cancel your certificate by giving
make sure that all correspondence reaches you on time.
ee the insuranceinfo booklet on ‘Family Takaful', available at all our branches or
FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF CERTIFICATE THAT

READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH EPK OR
Tingkat 8A, Menara Prudential,
No 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
P.O. Box 10073, 50704 Kuala Lumpur
Talian Perkhidmatan Pelanggan: 03-2053 7188 Fax: 03-2072 6188
Laman Sesawang: www.prubsn.com.my
ILUSTRASI PRODUK TAKAFUL PERSONAL FINANCING

Maklumat Orang yang akan Dilindungi
Orang yang akan Dilindungi : SITI SARAH BINTI SHAHUL HAMID
No K.P : 830209-02-5640
Tarikh Lahir : 2/9/1983
Umur Pada Hari Jadi Akan Datang : 36
Tarikh Sebut Harga : 4/16/2018
No Cadangan : 12313424
No Rujukan Bank : 12313476
Amaun Pembiayaan (RM) : 0.00
Andaian Kadar Bank (i%) : 6.38% Pilihan A : Perlindungan penuh iaitu sama dengan
tempoh pinjaman.Pilihan B : Perlindungan terhad
Tempoh Pembiayaan : 5 kepada 10 tahun sahaja.
Tempoh Perlindungan (Tahun) : 5
Jumlah Sumbangan : #REF!
Mod Pembayaran : Sumbangan Tunggal
Jenis Pelan : Pelan Takaful Keluarga

Deskripsi : (i) Produk ini merupakan pelan takaful tempoh berkurang selama 5 tahun dengan manfaat dibayar jika meninggal seb
(ii) Pelan ini berkongsi keuntungan pelaburan di dalam ISA.
Dijamin Tidak Dijamin

TF ISA
Awal Caj Wakalah
Tahun Pendahuluan Keuntungan
Sumbangan ke Nilai Terkumpul Sen
Sijil Caj Pelaburan
Manfaat Kematian dalam ISA pada Tabarru'
Awal Tahun Senario 1 Senario 2 Senario 1 Senario 2 Nilai Tunai
(x%) (y%) (x%) (y%) Terkumpul
h(t) = h(t-1) + i(t) = i(t-1) +
(a) (b) (c ) (d) (e) (f) (g) (j) = h(t)
(d) + (f) - (e) (d) + (g) - (e)

Nota:
1 ISA merujuk kepada Akaun Khas Peserta.
2 TF merujuk kepada Dana Tabarru'.
3 Jumlah manfaat kematian ((k) atau (m)) tidak akan kurang daripada nilai di lajur (c).
4 Jumlah ISA menunjukkan manfaat yang akan dibayar berasaskan strategi pelaburan untuk pelan ini dan
PruBSN dan anggaran prestasi masa hadapan di dalam senario keuntungan pelaburan senario 1 / senario 2.
5 Jumlah ISA mungkin lebih rendah daripada jumlah sumbangan di dalam ISA kerana ia bergantung kepada prestasi sebenar dana ters
6 Keuntungan pelaburan yang ditunjukkan adalah untuk ilustrasi semata-mata dan ia TIDAK DIJAMIN.
7 Keuntungan pelaburan sebenar yang akan diisytihar mungkin lebih rendah atau tinggi bergantung kepa
diperolehi oleh PruBSN.
8 Prestasi sebenar yang lepas tidak boleh dijadikan asas bagi prestasi pada masa hadapan yang mungkin berbeza.
9 Anda hendaklah memastikan bahawa pelan ini memenuhi keperluan anda dan anda mampu bayar sumbangan pelan ini.
10 Manfaat Kematian adalah dijamin. Jika terdapat defisit di dalam Dana Tabarru', PruBSN akan menguruskan de
pinjaman tanpa faedah. Manfaat Kematian pada permulaan tahun akan dibayar sekiranya berlaku Kematian a
(sebelum berumur 65 tahun).
Lampiran Pendedahan Produk
Sila baca Lampiran Pendedahan Produk ini sebelum anda membuat keputusan untuk menyertai Takaful
Personal Financing. Sila pastikan juga anda baca terma-terma dan syarat-syarat umum. Maklumat yang
disediakan dalam lampiran ini sah pada 16-4-2018. Pelan Taka
1. Apakah produk ini?

Sijil ini menawarkan perlindungan Takaful untuk 5 tahun. Ia membayar manfaat kematian sekaligus jika
hilang upaya penuh dan kekal dalam tempoh sijil.
2. Apakah konsep Syariah yang berkenaan?

● Tabarru' - Persetujuan di mana sebahagian daripada sumbangan anda didermakan ke dalam dana untuk membantu mana-mana p
memerlukan menerusi pemberian manfaat kepada mereka yang layak.
● Wakalah Bil Ajr - Persetujuan di mana kami dilantik untuk menguruskan perkhidmatan keseluruhan yang disediakan di bawah sijil
daripada sumbangan anda sebagai upah untuk perkhidmatan ini, yang mana termasuk komisen dan caj berkaitan pengagihan.
● Mudharabah - Persetujuan yang membenarkan kami melaburkan dana dari ISA di mana sebarang keuntungan dari pelaburan ini
3. Apakah perlindungan/manfaat yang disediakan?

###
###
Jangka masa pelan: 5 tahun atau sehingga anda meninggal (jika anda meninggal lebih awal)
4. Berapakah sumbangan yang perlu saya bayar?
Jumlah sumbangan yang perlu anda bayar dan terma-terma sijil mungkin berbeza bergantung kepada penilaian kami terhadap risiko
###
5. Apakah yuran dan caj yang perlu saya bayar?

Jenis Amaun
● Caj wakalah awalan #REF!
#REF!
6. Apakah terma-terma dan syarat-syarat penting yang perlu saya tahu?
● Adalah tugas anda untuk memberitahu kami mengenai fakta-fakta penting - Anda perlu memberitahu kami segala fakta-fakta pen
status perubatan anda dan nyatakan umur anda dengan betul.
● Tempoh rujukan percuma - anda boleh membatalkan sijil anda dengan menulis kepada kami dan memulangkan sijil tersebut dalam
belas (15) hari kalendar dari masa kami menghantarkannya kepada anda. Kami akan memulangkan sumbangan
yang telah anda bayar (ditolak kos perubatan) yang kami tanggung.
● Jika berlakunya kehilangan upaya kekal dan menyeluruh, jumlah bayaran yang dibayar sekaligus untuk semua sijil PruBSN boleh d
lebihan akan dibayar pada ulang tahun pertama hilang upaya kekal dan menyeluruh orang yang dilindungi bergantung kepada bukti
kematian, sebarang baki ansuran yang belum dibayar akan dibayar serta-merta. Jumlah bayaran maksimum di bawah semua sijil ba
Nota: Ini bukan senarai penuh. Sila lihat sijil takaful untuk terma dan syarat di bawah sijil ini.
7. Apakah pengecualian utama di bawah sijil ini?

Kematian
● Kami tidak akan membayar sebarang tuntutan disebabkan oleh keadaan yang berikut:
(a) Jika kematian disebabkan bunuh diri dalam tahun pertama sijil
(b) Jika kematian disebabkan keadaan sedia ada dalam tahun pertama sijil
Walaubagaimanapun, kami akan membayar nilai di dalam ISA.
Hilang Upaya Penuh dan Kekal

● Kami tidak akan membayar sebarang tuntutan jika hilang upaya itu disebabkan secara langsung atau pun tidak langsung oleh:
(a) percubaan membunuh diri atau kecederaan yang dilakukan sendiri semasa siuman atau tidak siuman.
(b) penglibatan dalam penerbangan udara (termasuk penerjunan berpayung dan penerjunan udara) selain daripada sebagai anak
yang membayar tambang di atas kapal terbang membawa penumpang komersial yang berlesen dan beroperasi dalam laluan y
Nota: Ini bukan senarai penuh. Sila lihat sijil takaful untuk terma dan syarat di bawah sijil ini.
8. Bolehkah saya membatalkan sijil ini?
Menyertai pelan Takaful Keluarga memerlukan komitmen dari segi kewangan dalam jangka masa yang panjang
kami apabila anda membatalkan sijil sebelum tarikh matang adalah kurang daripada jumlah amaun sumbangan yang telah anda ba
Anda boleh membatalkan sijil anda dengan memberi notis bertulis kepada PruBSN.
9. Apakah yang perlu saya buat jika terdapat sebarang perubahan dalam butir-butir perhubungan?
Adalah sangat penting untuk anda memaklumkan sebarang perubahan dalam butir-butir perhubungan anda
menyurat sampai kepada anda tepat pada waktunya.
10. Dimanakah saya boleh mendapat maklumat lanjut?

Jika anda memerlukan maklumat tambahan mengenai Takaful Keluarga, sila rujuk buku info insurans untuk 'Ta
cawangan kami atau anda boleh mendapat salinan daripada EPK atau layari www.insuranceinfo.com.my.
Jika anda mempunyai sebarang pertanyaan, sila hubungi kami di:

Tingkat 8A, Menara Prudential, No. 10, Jalan Sultan Ismail
50250 Kuala Lumpur
Tel: 03-2053 7188 Fax: 03-2072 6188 e-mel: customer@prubsn.com.my
Anda juga boleh malayari www.prubsn.com.my
NOTA PENTING:
MENYERTAI PELAN TAKAFUL KELUARGA MEMERLUKAN KOMITMEN DARI SEGI KEWANGAN DALAM JANGKA
MEMILIH SIJIL YANG PALING SESUAI UNTUK MEMENUHI KEPERLUAN DIRI SENDIRI. ANDA PERLU BACA
BERBINCANG DENGAN EPK ATAU HUBUNGI TERUS KAMI UNTUK MAKLUMAT LANJUT.

n Pelanggan: 03-2053 7188 Fax: 03-2072 6188
TAKAFUL PERSONAL FINANCING
Anggaran Keuntungan Pelaburan

Kasar Bersih
Senario 1 (x%) 3.00% 2.21%
Senario 2 (y%) 4.61% 3.39%
Nota: Keuntungan pelaburan bersih yang diunjurkan
selepas cukai dan perkongsian keuntungan pelaburan.
Pembahagian Keuntungan Pelaburan

Peserta 80.00%
PruBSN 20.00%
Kadar Keuntungan Pelaburan

Tahun Tabarru' ISA
2010 4.31% 4.24%
2009 2.70% 3.35%
2008 3.80% 3.65%

2006 N/A N/A
a 5 tahun dengan manfaat dibayar jika meninggal sebelum pelan matang.
Jumlah Manfaat
Senario 1 (x%) Senario 2 (y%)
Nilai Tunai Nilai Tunai Manfaat

Manfaat Kematian
Terkumpul Terkumpul Kematian
(j) = h(t) (k) = (c) + (h) (l) = i(t) (m) = (c) + (i)

ur (c).
n strategi pelaburan untuk pelan ini dan kaedah semasa yang digunakan oleh
laburan senario 1 / senario 2.
rana ia bergantung kepada prestasi sebenar dana tersebut.
an ia TIDAK DIJAMIN.
lebih rendah atau tinggi bergantung kepada operasi dan hasil pelaburan yang
hadapan yang mungkin berbeza.

n anda mampu bayar sumbangan pelan ini.
Dana Tabarru', PruBSN akan menguruskan defisit tersebut melalui qard al-hasan atau
akan dibayar sekiranya berlaku Kematian atau Hilang Upaya Kekal dan Menyeluruh
Pelan Takaful Bertempoh Takaful Personal Financing
membayar manfaat kematian sekaligus jika anda meninggal dunia atau berlaku
makan ke dalam dana untuk membantu mana-mana peserta yang

ayak.
khidmatan keseluruhan yang disediakan di bawah sijil anda. Kami akan mengambil sebahagian
ermasuk komisen dan caj berkaitan pengagihan.
ISA di mana sebarang keuntungan dari pelaburan ini akan dikongsi mengikut nisbah yang ditetapkan.
eza bergantung kepada penilaian kami terhadap risiko yang terlibat:
Amaun
Anda perlu memberitahu kami segala fakta-fakta penting seperti
ulis kepada kami dan memulangkan sijil tersebut dalam masa lima
mi akan memulangkan sumbangan
ng dibayar sekaligus untuk semua sijil PruBSN boleh dibayar sehingga RM1 juta seorang. Sebarang
eluruh orang yang dilindungi bergantung kepada bukti ketidakupayaan yang berterusan. Jika berlaku
a. Jumlah bayaran maksimum di bawah semua sijil bagi seorang ialah sebanyak RM4 juta.
g berikut:
an secara langsung atau pun tidak langsung oleh:
g dan penerjunan udara) selain daripada sebagai anak kapal atau penumpang
omersial yang berlesen dan beroperasi dalam laluan yang berjadual.
kewangan dalam jangka masa yang panjang. Amaun tunai yang akan dibayar oleh
ripada jumlah amaun sumbangan yang telah anda bayar.
uBSN.
bahan dalam butir-butir perhubungan anda untuk memastikan bahawa semua surat
arga, sila rujuk buku info insurans untuk 'Takaful Keluarga', yang terdapat di semua
N DARI SEGI KEWANGAN DALAM JANGKA MASA YANG PANJANG. ANDA PERLU
RLUAN DIRI SENDIRI. ANDA PERLU BACA DAN MEMAHAMI SIJIL TAKAFUL DAN
T LANJUT.
The calculations and illustrations herein are adduced using a calculator programme provided by Prudential BSN
Takaful Berhad (hereinafter called PruBSN) and Bank Simpanan Nasional (hereinafter called BSN), and are not
responsible for the accuracy of the information herein. The calculations and illustrations herein are mere estimations
and may vary based on the terms and conditions of the Master Certificate or upon change of any of the factors used in
the calculations.
IMPORTANT NOTICE
This document has been created as a general reference only and does not create any liability on the part of BSN or
PruBSN. It is not and does not form part of a contract of Takaful. The exact terms and conditions are contained in the
Master Takaful Certificate held by BSN.
Contribution rate(s) used in this illustration is/are valid for 120 days from the date of this illustration.
Upon early termination of the coverage, Participant will receive the surrender value applicable at the time of
termination.
If there is any conflict or inconsistency between any of the contents of this document and the contents of a version of
this same document issued or printed in any other language, the contents of this document issued and printed in
English shall prevail.
Guaranteed Guaranteed

Ahmad Hamidi Madu

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Customer SITI SARAH BINTI SHAHUL HAMID

Business started since AS0298255-K(12.9.2007)

MICRO FINANCE PRICE MAT

Credit Scoring >70 66-70

Interest Rate Price Matrix

Financing Rate Price Matrix

Fully owned property + Fully owned property + -

61-65 56-60 50-55

est Rate Price Matrix

cing Rate Price Matrix

Disediakan oleh, Disemak oleh,

NOORZANA AHMAD SYAKIR IDZUAN BIN SHUKOR

2 NRIC (Both Applicant & Spouse) M

SSM Business Registration

Business Licence (Municipal /

Operating Permit / Licence

7 Premise Rental Agreement S

Letter of Offer From Banks on

If the business premise

20.12.11 (hantar ssm baru)

Details refer to Appendix 1

Obtain if assets are still under

To obtain if assets are fully

Applicable for asset

CREDIT AND FINANCIAL ANALYSIS

FINANCING UTILIZATION ANALYSIS

ASSET ACQUISITION OWN EQUITY

WORKING CAPITAL OTHER SOURCES

KERUSI DAN MEJA 4,250

UBAH SUAI KEDAI 8,500

COMPLIANCE : MONTHLY REPAYMENT ≤33.0% OF NET INCOME/SURPLUS

DICADANGKAN PEMBIAYAAN SEPERTI DI BAWAH.

CONVENTIONAL (OIC'S RECOMMENDATION)

LOAN SUM (RM) TENURE (YEARS) MONTHLY INST

APPROVED DECLINED / DEFERRED AMOUNT TENURE (YEARS

JAWATANKUASA PINJAMAN MIKRO KEWANGAN NE

*Pengurus Wilayah (Semenanjung)

Pengurus Mikro Kewangan Negeri

BUSINESS SECTOR MENJUAL MAKANAN

INFORMATION ON LOAN, REVENUE & EXPENDITURE

Gross Income 7,840 7,840

Payroll & Wages 3,400 3,400

- SURPLUS/DEFICIT 2,680 2,680

UNT AND REPAYMENT CAPACITY Upfront Deductions

CISION OF APPROVING AUTHORITY

TENURE (YEARS) MONTHLY INSTALLMENT INTEREST RATE

EWANGAN NEGERI ( STATE MICRO FINANCE LOAN COMMITTEE)

N ON LOAN, REVENUE & EXPENDITURE

CREDIT AND FINANCIAL ANALYSIS

FINANCING UTILIZATION ANALYSIS

ASSET ACQUISITION OWN EQUITY

WORKING CAPITAL OTHER SOURCES

OTHERS MICRO FINANCE

COMPLIANCE : MONTHLY REPAYMENT ≤33.0% OF NET INCOME/SURPLUS

ISLAMIC (OIC'S RECOMMENDATION)

FINANCING SUM PURCHASE PRICE SELLING PRICE PROFIT

RECOMMENDED DECLINED / DEFERRED AMOUNT TENURE (YEARS

Azaddin Ngah Tasir Kamel Effendy M

INFORMATION ON LOAN, REVENUE & EXPENDITURE

Total Income RM 8,885

Net Income RM 3,349

Gross Income 7,840 7,840 10,976