Documente Academic
Documente Profesional
Documente Cultură
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
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%
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
Property + minimum
Property + minimum savings : 500 to 999 -
savings : 1000 to 1,999
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
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)
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
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.
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
30,000 5 836.00
30,000 5 660.00
Signature
OIC and Date: NOORZANA BINTI SAPRI 16 April 2018
DECISION OF APPRO
DECISION
0
0
1. Pengerusi ___________________________________________________
Pengarah Negeri
0
2. Pengerusi Silih Berganti ___________________________________________________
3.Ahli ___________________________________________________
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
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
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 .
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
NOORZANA BINTI SAPRI
6275.00
04-4418976
MENJUAL MAKANAN
0
0
RM0
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
-
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
0 0.00 0.00
Signature
OIC and Date: NOORZANA BINTI SAPRI 16 April 2018
DECISION OF APPROV
DECISION
HEADQUARTERS MICROFINAN
Note
1. Original document to be filed.
2. Copies to the relevant OICs & Approving Authority(ies) for action.
JMK/S/01
NOORZANA BINTI SAPRI
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%
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
0.00 5 6.38%
Recommended By
Name & Date .
OF APPROVING AUTHORITY
AMOUNT APPROVED
___________________________________________________
Permanent Secretary
BANK SIMPANAN NASIONAL
MICRO FINANCE DEPARTMENT FINANCIAL HIGHLIGHTS
NAME OF APPLICANT
CASH FLOW PROJECTIONS : SITI SARAH BINTI SHAHUL HAMID
19,600 Basis
gure only) REKOD JUALAN MAC-AUG 2013
Revenue (%) 25%
1.25
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
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.
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
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
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.
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
Monthly
Installment
(RM)
-
-
-
400
-
660
260
1,320
(Based on OIC's Discretion)
BSN Database
● Prompt Paymaster
Acceptable
Black Listed
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
Score
Items
4 3 2
Years in Business >5 5 4
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)
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%
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
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%
SITI SARAH BINTI SHAHUL HAMID
MK02/003/10/13/01158
RESTORAN IERASA
MEMO KREDIT
1.0 OBJEKTIF
1.1 Permohon dibentangkan kepada Jawatankuasa Pinjaman Mikro Kewangan Negeri atas perkara berikut:
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.
3.3.4 Pembekal
- TEAM NORDIC,YGS TRADING, Pasaraya Tesco merupakan salah satu pembekal utama pemohon
.Urusniaga dijalankan secara tunai.
3.4.5 Pelanggan
- Pelanggan pemohon terdiri daripada penduduk sekitar kawasan Taman Peruda dan kawasan sekitarnya.
Urusniaga secara tunai.
i) Dari segi purata jualan tahun 2009 - jualan adalah sebanyak RM9,450/sebulan.
iii) Purata peningkatan dari jualan tahun 2009 sehingga tahun 2013 adalah sebanyak 61.15 %.
v) Perkhidmatan pemohon mendapat permintaan yang menggalakkan dari penduduk setempat. Ini
di buktikan dan perkembangan yang positif dalam tahun beroperasi.
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.
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.
LAMPIRAN A
LESS (-)
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
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
SITI SARAH BINTI SHAHUL H
MK02/003/10/13/0
RESTORAN IE
3.3.2 Produk
-
3.3.4 Pembekal
-
3.3.5 Pelanggan
-
Pemohon
4.1 Rekod pinjaman BSN
JUMLAH 0 0 0
5.1 Ringkasan rekod jualan adalah seperti di bawah dan perincian jualan adalah seperti di Lampiran
BULAN
JUALAN
(RM)
PURATA #DIV/0!
•
JUMLAH - 0 - 0 -
PURATA #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
7.0 RASIONAL
7.1
7.2
7.3
LAMPIRAN A
LESS (-)
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
BANK SIMPANAN NASIONAL
SENARAI SEMAKAN CIF DAN CA
Id No 830209-02-5640
Country of Orgin MY
Customer Category CR
ID Type IC
Nationality MY
Sex/Gender FEMALE
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
ITEM VALUE M C
Bumi Y
Constitution code 01
Central Bank information
(ML) Entity Type 11
Resident Y
ITEM VALUE M C
Kenalan
ITEM VALUE M C
Customer Category CR
Introducer
Recommender
ITEM VALUE M C
Loan period 5
Installment amount
ITEM VALUE M C
*OLD IC Number
Secured by 6
* TemanMesra only
Maklumat yang dimasukkan ke dalam SKS adalah benar dan mengikut maklumat di dalam fail pelanggan
Note :-
M - Maker
C - Checker
JMK/007
ASIONAL
CIF DAN CA
Credit Application No :
ITEM VALUE M C
Occupation Code
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
ITEM VALUE M C
ITEM M C
VALUE
Credit Score #N/A
Overlapped Tagging
JMK-Advertiser
ITEM VALUE M C
Percentage
Security Code -
Guarantor
Instr.of Claim
-
Nature of Guarantee -
No of Guarantor
ITEM M C
Obtained sighted on
n
Project Description :
Purpose of Loan :
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
AGR01 AGRICULTURE 1120
AGR01 AGRICULTURE 1120
AGR01 AGRICULTURE 1120
AGR01 AGRICULTURE 1301
AGR01 AGRICULTURE 1118
AGR01 AGRICULTURE 1120
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
MFG04 MANUFACTURING 3114
MFG04 MANUFACTURING 3115
MFG04 MANUFACTURING 3311
MFG04 MANUFACTURING 3122
MFG04 MANUFACTURING 3522
MFG04 MANUFACTURING 3121
MFG04 MANUFACTURING 3220
MFG04 MANUFACTURING 3559
MFG04 MANUFACTURING 3511
MFG04 MANUFACTURING 3813
MFG04 MANUFACTURING 3523
MFG04 MANUFACTURING 3512
MFG04 MANUFACTURING 3610
MFG04 MANUFACTURING 3233
MFG04 MANUFACTURING 3560
MFG04 MANUFACTURING 3212
MFG04 MANUFACTURING 3610
MFG04 MANUFACTURING 3211
MFG04 MANUFACTURING 3412
MFG04 MANUFACTURING 3312
MFG04 MANUFACTURING 3841
MFG04 MANUFACTURING 3620
MFG04 MANUFACTURING 3841
MFG04 MANUFACTURING 3240
MFG04 MANUFACTURING 3117
MFG04 MANUFACTURING 3220
MFG04 MANUFACTURING 3312
MFG04 MANUFACTURING 3320
MFG04 MANUFACTURING 3829
MFG04 MANUFACTURING 3909
MFG04 MANUFACTURING 3909
MFG04 MANUFACTURING 3833
MFG04 MANUFACTURING 3693
MFG04 MANUFACTURING 3559
MFG04 MANUFACTURING 3692
MFG04 MANUFACTURING 3211
MFG04 MANUFACTURING 3220
MFG04 MANUFACTURING 3710
MFG04 MANUFACTURING 3420
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
WHO01 WHOLESALE 6132
WHO01 WHOLESALE 6134
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6144
WHO01 WHOLESALE 6114
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6141
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6148
WHO01 WHOLESALE 6148
WHO01 WHOLESALE 6116
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6145
WHO01 WHOLESALE 6112
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6115
WHO01 WHOLESALE 6146
WHO01 WHOLESALE 6150
WHO01 WHOLESALE 6117
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6142
WHO01 WHOLESALE 6117
WHO01 WHOLESALE 6117
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6111
WHO01 WHOLESALE 6111
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6142
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6142
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6139
WHO01 WHOLESALE 6121
WHO01 WHOLESALE 6113
WHO01 WHOLESALE 6150
WHO01 WHOLESALE 6134
WHO01 WHOLESALE 6149
WHO01 WHOLESALE 6121
OTS02 SERVICES 8310
BNM DESCRIPTION ALL CODE
Aquaculture AGRI-AGR01-1302
Agricultural Services AGRI-AGR01-1120
Agricultural Services AGRI-AGR01-1120
Agricultural Services AGRI-AGR01-1120
Ocean and coastal fishing AGRI-AGR01-1301
Livestock AGRI-AGR01-1118
Agricultural Services AGRI-AGR01-1120
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
Repair of motor vehicles and motorcycles COMM-OTS02-9513
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
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Repair of motor vehicles and motorcycles COMM-OTS02-9513
Education Services COMM-OTS02-9310
Motion picture production COMM-OTS02-9411
Motion picture production COMM-OTS02-9411
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
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
Repair of motor vehicles and motorcycles COMM-OTS02-9513
Medical, dental and other health services COMM-OTS02-9331
Repair of motor vehicles and motorcycles COMM-OTS02-9513
Sanitary and similar services COMM-OTS02-9200
Other repair shops, n.e.c. COMM-OTS02-9515
Personal services, n.e.c. COMM-OTS02-9599
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
Medical, dental and other health services COMM-OTS02-9331
Education Services COMM-OTS02-9310
Welfare Institutions COMM-OTS02-9340
Barber and beauty shops COMM-OTS02-9591
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
Sanitary and similar services COMM-OTS02-9200
Amusement and Recreational Services n.e.c. COMM-OTS02-9490
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Education Services COMM-OTS02-9310
Welfare Institutions COMM-OTS02-9340
Medical, dental and other health services COMM-OTS02-9331
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
Special trade contractors CONT-OTS02-5002
Special trade contractors CONT-OTS02-5002
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
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
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
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Legal services FIRB-OTS02-8321
Engineering, architechtural and technical services (including surveying,geological and prospecting services) FIRB-OTS02-8324
Financial Services (institution) FIRB-OTS02-8100
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
Accounting, auditing and book keeping services FIRB-OTS02-8322
Machinery and Equipment Rental FIRB-OTS02-8330
Machinery and Equipment Rental FIRB-OTS02-8330
Machinery and Equipment Rental FIRB-OTS02-8330
Financial Services (institution) FIRB-OTS02-8100
Business services, except machinery and rental n.e.c. FIRB-OTS02-8329
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 Wearing Apparel, except Footwear MANU-MFG04-3220
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
Manufacture of Wearing Apparel, except Footwear MANU-MFG04-3220
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
Bus and tramway transport TSAC-OTS02-7112
Bus and tramway transport TSAC-OTS02-7112
Inland water transport TSAC-OTS02-7122
Post TSAC-OTS02-7210
Supporting services to land transport TSAC-OTS02-7116
Other services incidental to transport n.e.c. TSAC-OTS02-7199
Supporting services to land transport TSAC-OTS02-7116
Other passenger land transport TSAC-OTS02-7113
Other passenger land transport TSAC-OTS02-7113
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
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Provision store WHOL-OTS01-6218
Super market WHOL-OTS01-6219
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Rice, other grains, flour WHOL-OTS01-6216
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Fish ( fresh, frozen, dried, roasted or salted) WHOL-OTS01-6212
Fruits and vegetables WHOL-OTS01-6213
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Biscuits, cakes, bread and other bakery products WHOL-OTS01-6215
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-OTS01-6217
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-OTS01-6217
Beer, wine, spirits WHOL-OTS01-6222
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Motorcycles and parts WHOL-OTS01-6241
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Meat and poultry (fresh and frozen) WHOL-OTS01-6211
Meat and poultry (fresh and frozen) WHOL-OTS01-6211
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Petrol, lubricating oils, etc. WHOL-OTS01-6249
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Tobacco,cigars, cigarettes WHOL-OTS01-6221
Miscelleneous Retail Trade, n.e.c. WHOL-OTS01-6250
Hotels, Rooming, Houses, Camps and Other Lodging Places WHOL-OTS01-6320
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Household hardware, kitchenware, chinaware, glassware, ornaments,etc WHOL-OTS01-6231
Restaurants, cafes and other Eating and Drinking Places WHOL-OTS01-6310
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
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Tractors, farming and earthmoving equipment and parts WHOL-WHO01-6141
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
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
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Rubber WHOL-WHO01-6145
Fish (fresh, frozen, dried or salted) WHOL-WHO01-6112
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
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
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Business and industrial mechinery and equipment WHOL-WHO01-6142
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-WHO01-6117
Other foodstuffs (e.g. tinned foods, dairy products, sugar, oil, tea, soft drinks, etc.) WHOL-WHO01-6117
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Meat and poultry (fresh and frozen) WHOL-WHO01-6111
Meat and poultry (fresh and frozen) WHOL-WHO01-6111
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Business and industrial mechinery and equipment WHOL-WHO01-6142
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Business and industrial mechinery and equipment WHOL-WHO01-6142
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Petrol, lubricating oils, etc WHOL-WHO01-6139
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
Fruits and vegetables WHOL-WHO01-6113
Large General Wholesalers WHOL-WHO01-6150
Part and accessories for motor vehicles WHOL-WHO01-6134
Other (e.g. minerals, metals, chemicals, fertilizers, fibres, etc.) WHOL-WHO01-6149
Household hardware, kitchenware, chinaware, glassware, ornaments, etc. WHOL-WHO01-6121
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
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
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
MICRO FINANCING INSURANCE SALES QUOTATION
Date 4/16/2018
Name SITI SARAH BINTI SHAHUL HAMID
Date Of Birth 2/9/1983
Age Next Birthday 31
NRIC/IC 830209-02-5640
Premium -
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
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
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 830209
Age Next Birthday 31
NRIC/IC 830209-02-5640
II. Loan Information
Loan Amount 30,000.00
Term Of Loan (Year's) 5
III. Amount
Premium #REF!
Stamp Duty (+) - ###
Service Tax (+) - 6% SERVICE
Premium -
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
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
MICRO FINANCING INSURANCE SALES QUOTATION
Date 4/16/2018
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
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
MICRO FINANCING INSURANCE SALES QUOTATION
Date 4/16/2018
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
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
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
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!
2 0.00 #REF! 0.00 #REF! #REF! #REF! #REF! #REF! #REF!
3 0.00 #REF! 0.00 #REF! #REF! #REF! #REF! #REF! #REF!
4 0.00 #REF! 0.00 #REF! #REF! #REF! #REF! #REF! #REF!
5 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).
● 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.
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.
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.
Total Benefits
(j) = h(t) (k) = (c) + (h) (l) = i(t) (m) = (c) + (i)
lump sum death benefit if you die or are totally and permanently disabled
here any profit from such investments will be shared according to a fixed
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.
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
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
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
● Mudharabah - Persetujuan yang membenarkan kami melaburkan dana dari ISA di mana sebarang keuntungan dari pelaburan ini
Jumlah sumbangan yang perlu anda bayar dan terma-terma sijil mungkin berbeza bergantung kepada penilaian kami terhadap risiko
###
● 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.
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.
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.
Jumlah Manfaat
membayar manfaat kematian sekaligus jika anda meninggal dunia atau berlaku
ISA di mana sebarang keuntungan dari pelaburan ini akan dikongsi mengikut nisbah yang ditetapkan.
Amaun
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:
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