PRE-TEST

What is loan rescheduling?

• extending the loan repayment period

• increasing the loan interest rate

• reducing the loan amount

• all the above

Does loan restructuring affect credit scores?

• Yes

• No

What are the common reasons for loan rescheduling or restructuring?

i. habitual in MIA

ii. decreased in sales

iii.  involved in natural disaster that affected the business

iv. any other event/incident internal or externally that may affect the business's health

• i, iii, and iv

• i, ii and iii

• i, ii and iv

• all the above

How R&R benefit SMEs?

• alleviate short-term cash flow issues

• sustain their business operations and encourage investment and growth

• safeguard jobs and businesses.

• all the above

What are the necessary documents for the Rescheduling & Restructuring propos

  i. Request Letter from customer

ii. Latest Site Visit Report

                      iii. Bank Statement (Main operating account) – latest 4 months)

iv.  Latest CRR and CTOS report

v.  Aircon Service Bill

•   all the above

•   i, iii, iv and v

• i, ii, iv and v

•   i, ii, iii and iv

Capacity is also determined by analyzing the number and amount of debt obligations the borrower currently has outstanding, compared to the amount of income or revenue expected each month.

• True

• False

Photo evidence is important to support the comments in the Rescheduling & Restructuring proposal and site visit report. Photos must include stocks, business signage, and workers.

• True

• False

What are the signs of financial distress?

i.   Cashflow

ii.   Falling margins and poor profits

iii. Poor sales growth or decline in revenues

iv.  Extended payment days 

• i, iii, and iv

• i, ii and iii

• i, ii and iv

• all the above

If a customer is unable to provide the relevant financial information in a timely manner, this is often a red flag.

• True

• False

Compounding profit in Islamic financing facility is prohibited.

• True

• False