6.

0 CAPITAL FUNDING AND SPENDING

i. Capital Funding

No Capital Source (Partners) Amount (RM)

.
1. Navinnasangkari A/P Punithan 10,000.00
2. Choh Kah Wai 10,000.00
3. Nur Amila Bt Zawidon 10,000.00
4. Pavitra A/P Nadaraja 10,000.00
5. Nurul Syakiella Bt Mohd Rawi 10,000.00
6. Abeer Yahya Ali Al-Matari 10,000.00

No. Capital Source (Loans from Bank) Amount (RM)

1. SME BANK 200,000.00

All of us will invest RM 10 000 to the company, making it RM 50 000 in total for us. However,
we feel that the amount would not be sufficient to start our business. Hence, we decided to apply
for a loan from SME Bank. Regardless of the business focus whether it is in manufacturing or
services, SME Bank can truly help our business in terms of financial assistances. The amount we
apply for is RM 200 000.

The reasons why we choose SME Bank are due to:

 Its fast approval for loan below RM 250,000

 Financing starts as low as RM 20,000 for special programs.

 Interest rates (or profit margin for Islamic products) range from 3.75 to 7.5 depending on
the source of funds.

 Longer financing tenure

Thus, the total for our start-up business capital source will be RM250 000.

ii. Spending
 SOURCE OF CAPITAL

Abeer Yahya
Nurul Syakiella
Oavitra
Nur Amila

Choh Kah Wai

Navinnasangkari

SME Bank
A loan is taken from SME Bank as an additional capital to set our business. This bank has
financing programs for aspiring entrepreneurs to meet their working capital requirements and
fixed asset purchase. All of us will invest RM 10,000 to our shop Mi Casa, making it RM 50,000
in total of us. However, we feel that the amount would not be sufficient to start our business.
Hence, we decided to apply for loan from SME Bank. Regardless of the business focus whether
it is in manufacturing or services.

SME Bank can truly help our business in terms of financial assistances. The amount we apply for
is RM200,000.

The reason why we choose SME Bank are due to:

● Its fast approval for loan below RM250,000

● Financing starts as low as RM20,000 for special programs.
● Interest rates (or profit margin for Islamic products) range from 3.75 to 7.5 depending on
the source of funds.
● Longer financing tenure

The total for our start-up business capital source will be RM250,000.