Buku Panduan Kakitangan Skim Hijrah Selangor

BUKU PANDUAN
KAKITANGAN
SKIM HIJRAH SELANGOR
EDISI 5 2022

ISI KANDUNGAN 1 - 2

1.0 Pengenalan

2.0 Falsafah 3

3.0 Struktur Organisasi 4 - 6

4.0 Kelayakan Menyertai HIJRAH SELANGOR 6

5.0 Skim-skim Pembiayaan HIJRAH SELANGOR 7

6.0 Jadual Bayaran Ansuran Dan Jadual Takaful

6.1 Skim i-Bisnes 8

6.2 Skim Zero To Hero 17

6.3 Skim NaDI 20

6.4 Skim Go Digital 22

6.5 Skim i-Lestari 35

6.6 Skim i-Agro 46

6.7 Skim i-Bermusim 72

6.8 Skim Pelan Pemulihan Pembiayaan (PPP) 75

Lampiran 79 - xx

Contoh Format Surat Tawaran

Contoh Format Surat Jemputan Majlis Tandatangan Surat Tawaran

Contoh Format Resit Bayaran Takaful

Contoh Format Surat Pemberitahuan Bayaran Mingguan

Contoh Ikrar Peserta

Contoh Format Resit Bayaran Pertama

Contoh Format Senarai Kutipan

Contoh Format Skim Bayaran Takaful

Contoh Borang Permohonan

Contoh Borang Pinjaman Ulangan

Senarai Keterangan Kod xx - xx

SKIM PEMBIAYAAN
HIJRAH SELANGOR



1.0 PENGENALAN
1.1 Program Mikro Kredit Bersepadu atau dikenali sebagai SKIM
HIJRAH SELANGOR merupakan inisiatif Kerajaan Negeri
Selangor untuk melebarkan golongan kelas menengah di
negeri Selangor melalui pendekatan pelaksanaan sistem
penyaluran modal tambahan yang efisien kepada peniaga-
peniaga kecil. Program ini telah dilancarkan dengan
rasminya pada 24 Mac 2015. Sejak tahun 2015, Kerajaan
Negeri Selangor telah memperuntukkan sebanyak RM139
juta bagi HIJRAH SELANGOR memberikan pembiayaan
mikro kredit kepada usahawan kecil negeri Selangor bagi
perlaksanaan program membantu usahawan kecil
mengembangkan perniagaan mereka serta menambah
modal.
1.2 Yayasan Hijrah Selangor, ditugaskan untuk mewujudkan
satu sistem pengeluaran modal yang mudah, cepat dan
tidak membebankan kepada penjaja dan peniaga kecil
yang didapati seringkali menghadapi masalah kekurangan
modal, dan peluang mendapatkan modal tambahan atas
pelbagai faktor.

OBJEKTIF

2.0 FALSAFAH
2.1 Falsafah Program HIJRAH SELANGOR berteraskan konsep

”Pembiayaan Asas Simpanan”. Maksudnya, pembiayaan yang
diberikan digunakan sebagai modal tambahan dalam urusan
perniagaan. Sebagai usahawan yang berdaya maju, adalah
diharapkan dapat menghasilkan pulangan yang lebih tinggi.
Lebihan pulangan ini, akan ditabungkan dalam Tabung
HIJRAH SELANGOR, untuk manfaat penjaja dan peniaga kecil
secara individu mahupun kelompok. Dan, pihak pengurusan
program bertindak meneroka peluang-peluang perniagaan
susulan bagi kepentingan dan manfaat usahawan-usahawan
HIJRAH SELANGOR melalui penubuhan Koperasi Warga
Hijrah Selangor Berhad (KOHIJRAH).

Rajah 1: Konsep ‘Pembiayaan Asas Simpanan’

3.0 STRUKTUR ORGANISASI

3.1 Direktori Hijrah
Tel: 03-3216 1214
ZON 1

Pejabat Cawangan Sabak Bernam Tel: 03-3224 3351
No.35, Tingkat 1, Jalan Menteri, Tel: 03-3268 1297
45200 Sabak Bernam Tel: 03-3281 1184
Pejabat Cawangan Sungai Besar
Blok F, Kompleks Pejabat Daerah dan Tanah Sabak Bernam,
45300 Sungai Besar Tel: 03-3370 1294
Pejabat Cawangan Tanjung Karang Tel: 03-3318 3658
No.5A-1, Jalan 1, Taman Tanjung Karang,
45500 Tanjung Karang Tel: 03-3180 3913
Pejabat Cawangan Kuala Selangor
Lot G-02, Tingkat Bawah, Kompleks PKNS Kuala Selangor, Tel: 03-8740 7206
Jalan Perusahaan, 45000 Kuala Selangor Tel: 03-8925 8469
Pejabat Cawangan Kapar Tel: 03-8051 2241
No.49-3-1, Jalan Setia Prima A U13/A, Setia Alam, Seksyen U13, Tel: 03-8706 3108
40170 Shah Alam Tel: 03- 7770 9841
Pejabat Cawangan Klang Tel: 03-5545 0669
No.15-1, Tingkat 1, Pusat Perniagaan Raya Barat, Jalan Barat
2/KS1, 41000 Klang
Pejabat Cawangan Kota Raja
No.10A, Tingkat 1, Jalan Sri Sarawak 20B, Taman Sri Andalas,
41200 Klang

ZON 2

Pejabat Cawangan Kuala Langat
Pejabat Tanah/Daerah Kuala Langat,
Persiaran Sultan Abdul Aziz Shah, Kota Sri Langat, Sungai Sedu,
42700 Banting, Kuala Langat
Pejabat Cawangan Hulu Langat
No.3-2nd Floor, Jalan Metro Avenue 1,
Metro Kajang Avenue, 43000 Kajang
Pejabat Cawangan Serdang
Bangunan Sultan Hisamuddin Alam Shah, Aras 3,
Persiaran Pusat Bandar 1, Seksyen 9, 43650 Bandar Baru Bangi
Pejabat Cawangan Puchong
No.40A, Jalan PU 7/3, Pusat Bandar Puchong Utama,
47140 Puchong
Pejabat Cawangan Sepang
Pejabat Daerah /Tanah Sepang, Bangunan Tun Abdul Aziz,
Bandar Baru Salak Tinggi, 43900 Sepang
Pejabat Cawangan Kelana Jaya
Unit 21-2, Tingkat 2, Blok F, Jalan PJS 5/30,
Petaling Jaya City Centre (PJCC), 46150 Petaling Jaya
Pejabat Cawangan Shah Alam
53-1, Jalan Nelayan A 19/A,
Seksyen 19, 40300 Shah Alam

ZON 3 Tel: 03-6091 1186
Tel: 03-6177 4812
Pejabat Cawangan Selayang Tel: 03-4280 2411
B23-1, Jalan Reef 1/2, Tel: 03-7734 0931
Pusat Perniagaan Reef, 48000 Rawang Tel: 03-7831 5701
Tel: 03-6064 1062
Pejabat Cawangan Gombak
No.48A, Jalan SG 1/8, Taman Sri Gombak,
68100 Batu Caves

Pejabat Cawangan Ampang
No.61-1, Jalan Mawar 15,
Dataran Mestika, 56100 Cheras

Pejabat Cawangan Petaling Jaya Utara
No. 11B (Tingkat 1), Jalan Uranus AG U5/AG,
Seksyen U5, 40150 Shah Alam

Pejabat Cawangan Subang
No. 4-1, Jalan U3/5 (BK), Pusat Perniagaan Subang,
40150 Shah Alam

Pejabat Cawangan Hulu Selangor
Tingkat 2, Bangunan Pahlawan, Jalan Mat Kilau
44000 Kuala Kubu Bharu





4.0 KELAYAKAN MENYERTAI HIJRAH SELANGOR

4.1 Warganegara Malaysia berumur 18 tahun hingga

65 tahun.

4.2 Rakyat Selangor/bermastautin di negeri Selangor.

4.3 Mengundi dalam negeri Selangor.

4.4 Berumur 18 sehingga 65 tahun bagi pembiayaan kali

pertama.

MAKLUMAT SKIM NaDI ZERO TO HERO I-BERMUSIM I-AGRO I-BISNES GO DIGITAL I-LESTARI
NILAI PEMBIAYAAN (RM)
Penternakan & Akuakultur
5.0 SKIM- SKIM PEMBIAYAAN HIJRAH SELANGOR Pertanian

1,000 - 5,0001,000 - 10,0001,000 - 20,0001,000 - 50,0001,000 - 50,0001,000 - 50,0001,000 - 50,000 51,000 - 100,000

TEMPOH BAYARAN ANSURAN✓

4 minggu (1 bulan)✓

12 minggu (3 bulan)
















25 minggu (6 bulan) ✓✓✓✓✓✓✓
✓✓ ✓✓✓✓✓
50 minggu (1 tahun) ✓✓ ✓✓✓✓✓

100 minggu (2 tahun) ✓✓ ✓✓✓✓✓

150 minggu (3 tahun) ✓ ✓✓

200 minggu (4 tahun) ✓ ✓✓

250 minggu (5 tahun)

KADAR KEUNTUNGAN ✓
1% sebulan ✓✓
4% setahun
4% - 8% setahun ✓✓✓✓
8% setahun ✓

SIMPANAN ✗ ✓ ✗ ✓✓✓ ✗

0.25% seminggu (12.5% setahun) ✓

0.125% seminggu (6.25% setahun)

TEMPOH MULA BAYARAN ✓✓ ✓ ✓✓
selepas 2 minggu ✓✓ ✓
selepas 4 minggu (1 bulan)
selepas 12 minggu (3 bulan) ✓ ✓*
selepas 24 minggu (6 bulan) ✓*

MODE BAYARAN ✓✓✓✓✓✓
Mingguan ✓✓✓ ✓
Bulanan ✓✓
Sekaligus

(PLUS) GO DIGITAL ✓✓✓ - ✓

JENIS PEMBIAYAAN BERKUMPULAN INDIVIDU INDIVIDU INDIVIDU INDIVIDU INDIVIDU INDIVIDU INDIVIDU

GENDER WANITA SAHAJA TERBUKA TERBUKA TERBUKA TERBUKA TERBUKA TERBUKA TERBUKA

*Tertakluk terma dan syarat / sektor perniagaan

SKIM I-BISNES
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 4% setahun bagi
pembiayaan RM30,000 ke bawah

6.1.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 25 KEUNTUNGAN
(k/25) 0.5(tahun) k (a+h) m*0.0058*
1(tahun)
1,082.50
abcde f gh j mn

1,000.00 43.30 - - 40.00 0.80 2.50 20.00 62.50 1,020.00 5.90

2,000.00 86.60 - - 80.00 1.60 5.00 40.00 125.00 2,165.00 2,040.00 11.80

3,000.00 129.90 - - 120.00 2.40 7.50 60.00 187.50 3,247.50 3,060.00 17.70

4,000.00 173.20 - - 160.00 3.20 10.00 80.00 250.00 4,330.00 4,080.00 23.70

5,000.00 216.50 - - 200.00 4.00 12.50 100.00 312.50 5,412.50 5,100.00 29.60

6,000.00 259.80 - - 240.00 4.80 15.00 120.00 375.00 6,495.00 6,120.00 35.50

7,000.00 303.10 - - 280.00 5.60 17.50 140.00 437.50 7,577.50 7,140.00 41.40

8,000.00 346.40 - - 320.00 6.40 20.00 160.00 500.00 8,660.00 8,160.00 47.30

9,000.00 389.70 - - 360.00 7.20 22.50 180.00 562.50 9,742.50 9,180.00 53.20

10,000.00 433.00 - - 400.00 8.00 25.00 200.00 625.00 10,825.00 10,200.00 59.20

11,000.00 476.30 - - 440.00 8.80 27.50 220.00 687.50 11,907.50 11,220.00 65.10

12,000.00 519.60 - - 480.00 9.60 30.00 240.00 750.00 12,990.00 12,240.00 71.00

13,000.00 562.90 - - 520.00 10.40 32.50 260.00 812.50 14,072.50 13,260.00 76.90

14,000.00 606.20 - - 560.00 11.20 35.00 280.00 875.00 15,155.00 14,280.00 82.80

15,000.00 649.50 - - 600.00 12.00 37.50 300.00 937.50 16,237.50 15,300.00 88.70



6.1.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 25 KEUNTUNGAN
(k/25) 0.5(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

16,000.00 692.80 - - 640.00 12.80 40.00 320.00 1,000.00 17,320.00 16,320.00 94.70

17,000.00 736.10 - - 680.00 13.60 42.50 340.00 1,062.50 18,402.50 17,340.00 100.60

18,000.00 779.40 - - 720.00 14.40 45.00 360.00 1,125.00 19,485.00 18,360.00 106.50

19,000.00 822.70 - - 760.00 15.20 47.50 380.00 1,187.50 20,567.50 19,380.00 112.40

20,000.00 866.00 - - 800.00 16.00 50.00 400.00 1,250.00 21,650.00 20,400.00 118.30

21,000.00 909.30 - - 840.00 16.80 52.50 420.00 1,312.50 22,732.50 21,420.00 124.20

22,000.00 952.60 - - 880.00 17.60 55.00 440.00 1,375.00 23,815.00 22,440.00 130.20

23,000.00 995.90 - - 920.00 18.40 57.50 460.00 1,437.50 24,897.50 23,460.00 136.10

24,000.00 1,039.20 - - 960.00 19.20 60.00 480.00 1,500.00 25,980.00 24,480.00 142.00

25,000.00 1,082.50 - - 1,000.00 20.00 62.50 500.00 1,562.50 27,062.50 25,500.00 147.90

26,000.00 1,125.80 - - 1,040.00 20.80 65.00 520.00 1,625.00 28,145.00 26,520.00 153.80

27,000.00 1,169.10 - - 1,080.00 21.60 67.50 540.00 1,687.50 29,227.50 27,540.00 159.70

28,000.00 1,212.40 - - 1,120.00 22.40 70.00 560.00 1,750.00 30,310.00 28,560.00 165.60

29,000.00 1,255.70 - - 1,160.00 23.20 72.50 580.00 1,812.50 31,392.50 29,580.00 171.60

30,000.00 1,299.00 - - 1,200.00 24.00 75.00 600.00 1,875.00 32,475.00 30,600.00 177.50

6.1.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 25 KEUNTUNGAN
(k/25) 0.5(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

31,000.00 1,367.10 - - 1,240.00 49.60 77.50 1,240.00 1,937.50 34,177.50 32,240.00 187.00

32,000.00 1,411.20 - - 1,280.00 51.20 80.00 1,280.00 2,000.00 35,280.00 33,280.00 193.00

33,000.00 1,455.30 - - 1,320.00 52.80 82.50 1,320.00 2,062.50 36,382.50 34,320.00 199.10

34,000.00 1,499.40 - - 1,360.00 54.40 85.00 1,360.00 2,125.00 37,485.00 35,360.00 205.10

35,000.00 1,543.50 - - 1,400.00 56.00 87.50 1,400.00 2,187.50 38,587.50 36,400.00 211.10

36,000.00 1,587.60 - - 1,440.00 57.60 90.00 1,440.00 2,250.00 39,690.00 37,440.00 217.20

37,000.00 1,631.70 - - 1,480.00 59.20 92.50 1,480.00 2,312.50 40,792.50 38,480.00 223.20

38,000.00 1,675.80 - - 1,520.00 60.80 95.00 1,520.00 2,375.00 41,895.00 39,520.00 229.20

39,000.00 1,719.90 - - 1,560.00 62.40 97.50 1,560.00 2,437.50 42,997.50 40,560.00 235.20

40,000.00 1,764.00 - - 1,600.00 64.00 100.00 1,600.00 2,500.00 44,100.00 41,600.00 241.30

41,000.00 1,808.10 - - 1,640.00 65.60 102.50 1,640.00 2,562.50 45,202.50 42,640.00 247.30

42,000.00 1,852.20 - - 1,680.00 67.20 105.00 1,680.00 2,625.00 46,305.00 43,680.00 253.30

43,000.00 1,896.30 - - 1,720.00 68.80 107.50 1,720.00 2,687.50 47,407.50 44,720.00 259.40

44,000.00 1,940.40 - - 1,760.00 70.40 110.00 1,760.00 2,750.00 48,510.00 45,760.00 265.40

45,000.00 1,984.50 - - 1,800.00 72.00 112.50 1,800.00 2,812.50 49,612.50 46,800.00 271.40



6.1.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 25 KEUNTUNGAN
(k/25) 0.5(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

46,000.00 2,028.60 - - 1,840.00 73.60 115.00 1,840.00 2,875.00 50,715.00 47,840.00 277.50

47,000.00 2,072.70 - - 1,880.00 75.20 117.50 1,880.00 2,937.50 51,817.50 48,880.00 283.50

48,000.00 2,116.80 - - 1,920.00 76.80 120.00 1,920.00 3,000.00 52,920.00 49,920.00 289.50

49,000.00 2,160.90 - - 1,960.00 78.40 122.50 1,960.00 3,062.50 54,022.50 50,960.00 295.60

50,000.00 2,205.00 - - 2,000.00 80.00 125.00 2,000.00 3,125.00 55,125.00 52,000.00 301.60

6.1.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 50 KEUNTUNGAN
(k/50) 1(tahun) k (a+h) m*0.0058*
1(tahun)
1,165.00
abcde f gh j mn

1,000.00 23.30 - - 20.00 0.80 2.50 40.00 125.00 1,040.00 6.00

2,000.00 46.60 - - 40.00 1.60 5.00 80.00 250.00 2,330.00 2,080.00 12.10

3,000.00 69.90 - - 60.00 2.40 7.50 120.00 375.00 3,495.00 3,120.00 18.10

4,000.00 93.20 - - 80.00 3.20 10.00 160.00 500.00 4,660.00 4,160.00 24.10

5,000.00 116.50 - - 100.00 4.00 12.50 200.00 625.00 5,825.00 5,200.00 30.20

6,000.00 139.80 - - 120.00 4.80 15.00 240.00 750.00 6,990.00 6,240.00 36.20

7,000.00 163.10 - - 140.00 5.60 17.50 280.00 875.00 8,155.00 7,280.00 42.20

8,000.00 186.40 - - 160.00 6.40 20.00 320.00 1,000.00 9,320.00 8,320.00 48.30

9,000.00 209.70 - - 180.00 7.20 22.50 360.00 1,125.00 10,485.00 9,360.00 54.30

10,000.00 233.00 - - 200.00 8.00 25.00 400.00 1,250.00 11,650.00 10,400.00 60.30

11,000.00 256.30 - - 220.00 8.80 27.50 440.00 1,375.00 12,815.00 11,440.00 66.40

12,000.00 279.60 - - 240.00 9.60 30.00 480.00 1,500.00 13,980.00 12,480.00 72.40

13,000.00 302.90 - - 260.00 10.40 32.50 520.00 1,625.00 15,145.00 13,520.00 78.40

14,000.00 326.20 - - 280.00 11.20 35.00 560.00 1,750.00 16,310.00 14,560.00 84.40

15,000.00 349.50 - - 300.00 12.00 37.50 600.00 1,875.00 17,475.00 15,600.00 90.50



6.1.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 50 KEUNTUNGAN
(k/50) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

16,000.00 372.80 - - 320.00 12.80 40.00 640.00 2,000.00 18,640.00 16,640.00 96.50

17,000.00 396.10 - - 340.00 13.60 42.50 680.00 2,125.00 19,805.00 17,680.00 102.50

18,000.00 419.40 - - 360.00 14.40 45.00 720.00 2,250.00 20,970.00 18,720.00 108.60

19,000.00 442.70 - - 380.00 15.20 47.50 760.00 2,375.00 22,135.00 19,760.00 114.60

20,000.00 466.00 - - 400.00 16.00 50.00 800.00 2,500.00 23,300.00 20,800.00 120.60

21,000.00 489.30 - - 420.00 16.80 52.50 840.00 2,625.00 24,465.00 21,840.00 126.70

22,000.00 512.60 - - 440.00 17.60 55.00 880.00 2,750.00 25,630.00 22,880.00 132.70

23,000.00 535.90 - - 460.00 18.40 57.50 920.00 2,875.00 26,795.00 23,920.00 138.70

24,000.00 559.20 - - 480.00 19.20 60.00 960.00 3,000.00 27,960.00 24,960.00 144.80

25,000.00 582.50 - - 500.00 20.00 62.50 1,000.00 3,125.00 29,125.00 26,000.00 150.80

26,000.00 605.80 - - 520.00 20.80 65.00 1,040.00 3,250.00 30,290.00 27,040.00 156.80

27,000.00 629.10 - - 540.00 21.60 67.50 1,080.00 3,375.00 31,455.00 28,080.00 162.90

28,000.00 652.40 - - 560.00 22.40 70.00 1,120.00 3,500.00 32,620.00 29,120.00 168.90

29,000.00 675.70 - - 580.00 23.20 72.50 1,160.00 3,625.00 33,785.00 30,160.00 174.90

30,000.00 699.00 - - 600.00 24.00 75.00 1,200.00 3,750.00 34,950.00 31,200.00 181.00

6.1.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

31,000.00 747.10 - - 620.00 49.60 77.50 2,480.00 3,875.00 37,355.00 33,480.00 194.20

32,000.00 771.20 - - 640.00 51.20 80.00 2,560.00 4,000.00 38,560.00 34,560.00 200.40

33,000.00 795.30 - - 660.00 52.80 82.50 2,640.00 4,125.00 39,765.00 35,640.00 206.70

34,000.00 819.40 - - 680.00 54.40 85.00 2,720.00 4,250.00 40,970.00 36,720.00 213.00

35,000.00 843.50 - - 700.00 56.00 87.50 2,800.00 4,375.00 42,175.00 37,800.00 219.20

36,000.00 867.60 - - 720.00 57.60 90.00 2,880.00 4,500.00 43,380.00 38,880.00 225.50

37,000.00 891.70 - - 740.00 59.20 92.50 2,960.00 4,625.00 44,585.00 39,960.00 231.80

38,000.00 915.80 - - 760.00 60.80 95.00 3,040.00 4,750.00 45,790.00 41,040.00 238.00

39,000.00 939.90 - - 780.00 62.40 97.50 3,120.00 4,875.00 46,995.00 42,120.00 244.30

40,000.00 964.00 - - 800.00 64.00 100.00 3,200.00 5,000.00 48,200.00 43,200.00 250.60

41,000.00 988.10 - - 820.00 65.60 102.50 3,280.00 5,125.00 49,405.00 44,280.00 256.80

42,000.00 1,012.20 - - 840.00 67.20 105.00 3,360.00 5,250.00 50,610.00 45,360.00 263.10

43,000.00 1,036.30 - - 860.00 68.80 107.50 3,440.00 5,375.00 51,815.00 46,440.00 269.40

44,000.00 1,060.40 - - 880.00 70.40 110.00 3,520.00 5,500.00 53,020.00 47,520.00 275.60

45,000.00 1,084.50 - - 900.00 72.00 112.50 3,600.00 5,625.00 54,225.00 48,600.00 281.90



6.1.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

46,000.00 1,108.60 - - 920.00 73.60 115.00 3,680.00 5,750.00 55,430.00 49,680.00 288.10

47,000.00 1,132.70 - - 940.00 75.20 117.50 3,760.00 5,875.00 56,635.00 50,760.00 294.40

48,000.00 1,156.80 - - 960.00 76.80 120.00 3,840.00 6,000.00 57,840.00 51,840.00 300.70

49,000.00 1,180.90 - - 980.00 78.40 122.50 3,920.00 6,125.00 59,045.00 52,920.00 306.90

50,000.00 1,205.00 - - 1,000.00 80.00 125.00 4,000.00 6,250.00 60,250.00 54,000.00 313.20

6.1.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 100 KEUNTUNGAN
(k/100) 2(tahun) k (a+h) m*0.0058*
2(tahun)
1,330.00
abcde f gh j mn

1,000.00 13.30 - - 10.00 0.80 2.50 80.00 250.00 1,080.00 12.50

2,000.00 26.60 - - 20.00 1.60 5.00 160.00 500.00 2,660.00 2,160.00 25.10

3,000.00 39.90 - - 30.00 2.40 7.50 240.00 750.00 3,990.00 3,240.00 37.60

4,000.00 53.20 - - 40.00 3.20 10.00 320.00 1,000.00 5,320.00 4,320.00 50.10

5,000.00 66.50 - - 50.00 4.00 12.50 400.00 1,250.00 6,650.00 5,400.00 62.60

6,000.00 79.80 - - 60.00 4.80 15.00 480.00 1,500.00 7,980.00 6,480.00 75.20

7,000.00 93.10 - - 70.00 5.60 17.50 560.00 1,750.00 9,310.00 7,560.00 87.70

8,000.00 106.40 - - 80.00 6.40 20.00 640.00 2,000.00 10,640.00 8,640.00 100.20

9,000.00 119.70 - - 90.00 7.20 22.50 720.00 2,250.00 11,970.00 9,720.00 112.80

10,000.00 133.00 - - 100.00 8.00 25.00 800.00 2,500.00 13,300.00 10,800.00 125.30

11,000.00 146.30 - - 110.00 8.80 27.50 880.00 2,750.00 14,630.00 11,880.00 137.80

12,000.00 159.60 - - 120.00 9.60 30.00 960.00 3,000.00 15,960.00 12,960.00 150.30

13,000.00 172.90 - - 130.00 10.40 32.50 1,040.00 3,250.00 17,290.00 14,040.00 162.90

14,000.00 186.20 - - 140.00 11.20 35.00 1,120.00 3,500.00 18,620.00 15,120.00 175.40

15,000.00 199.50 - - 150.00 12.00 37.50 1,200.00 3,750.00 19,950.00 16,200.00 187.90



6.1.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 100 KEUNTUNGAN
(k/100) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

16,000.00 212.80 - - 160.00 12.80 40.00 1,280.00 4,000.00 21,280.00 17,280.00 200.40

17,000.00 226.10 - - 170.00 13.60 42.50 1,360.00 4,250.00 22,610.00 18,360.00 213.00

18,000.00 239.40 - - 180.00 14.40 45.00 1,440.00 4,500.00 23,940.00 19,440.00 225.50

19,000.00 252.70 - - 190.00 15.20 47.50 1,520.00 4,750.00 25,270.00 20,520.00 238.00

20,000.00 266.00 - - 200.00 16.00 50.00 1,600.00 5,000.00 26,600.00 21,600.00 250.60

21,000.00 279.30 - - 210.00 16.80 52.50 1,680.00 5,250.00 27,930.00 22,680.00 263.10

22,000.00 292.60 - - 220.00 17.60 55.00 1,760.00 5,500.00 29,260.00 23,760.00 275.60

23,000.00 305.90 - - 230.00 18.40 57.50 1,840.00 5,750.00 30,590.00 24,840.00 288.10

24,000.00 319.20 - - 240.00 19.20 60.00 1,920.00 6,000.00 31,920.00 25,920.00 300.70

25,000.00 332.50 - - 250.00 20.00 62.50 2,000.00 6,250.00 33,250.00 27,000.00 313.20

26,000.00 345.80 - - 260.00 20.80 65.00 2,080.00 6,500.00 34,580.00 28,080.00 325.70

27,000.00 359.10 - - 270.00 21.60 67.50 2,160.00 6,750.00 35,910.00 29,160.00 338.30

28,000.00 372.40 - - 280.00 22.40 70.00 2,240.00 7,000.00 37,240.00 30,240.00 350.80

29,000.00 385.70 - - 290.00 23.20 72.50 2,320.00 7,250.00 38,570.00 31,320.00 363.30

30,000.00 399.00 - - 300.00 24.00 75.00 2,400.00 7,500.00 39,900.00 32,400.00 375.80

6.1.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

31,000.00 437.10 - - 310.00 49.60 77.50 4,960.00 7,750.00 43,710.00 35,960.00 417.10

32,000.00 451.20 - - 320.00 51.20 80.00 5,120.00 8,000.00 45,120.00 37,120.00 430.60

33,000.00 465.30 - - 330.00 52.80 82.50 5,280.00 8,250.00 46,530.00 38,280.00 444.00

34,000.00 479.40 - - 340.00 54.40 85.00 5,440.00 8,500.00 47,940.00 39,440.00 457.50

35,000.00 493.50 - - 350.00 56.00 87.50 5,600.00 8,750.00 49,350.00 40,600.00 471.00

36,000.00 507.60 - - 360.00 57.60 90.00 5,760.00 9,000.00 50,760.00 41,760.00 484.40

37,000.00 521.70 - - 370.00 59.20 92.50 5,920.00 9,250.00 52,170.00 42,920.00 497.90

38,000.00 535.80 - - 380.00 60.80 95.00 6,080.00 9,500.00 53,580.00 44,080.00 511.30

39,000.00 549.90 - - 390.00 62.40 97.50 6,240.00 9,750.00 54,990.00 45,240.00 524.80

40,000.00 564.00 - - 400.00 64.00 100.00 6,400.00 10,000.00 56,400.00 46,400.00 538.20

41,000.00 578.10 - - 410.00 65.60 102.50 6,560.00 10,250.00 57,810.00 47,560.00 551.70

42,000.00 592.20 - - 420.00 67.20 105.00 6,720.00 10,500.00 59,220.00 48,720.00 565.20

43,000.00 606.30 - - 430.00 68.80 107.50 6,880.00 10,750.00 60,630.00 49,880.00 578.60

44,000.00 620.40 - - 440.00 70.40 110.00 7,040.00 11,000.00 62,040.00 51,040.00 592.10

45,000.00 634.50 - - 450.00 72.00 112.50 7,200.00 11,250.00 63,450.00 52,200.00 605.50



6.1.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

46,000.00 648.60 - - 460.00 73.60 115.00 7,360.00 11,500.00 64,860.00 53,360.00 619.00

47,000.00 662.70 - - 470.00 75.20 117.50 7,520.00 11,750.00 66,270.00 54,520.00 632.40

48,000.00 676.80 - - 480.00 76.80 120.00 7,680.00 12,000.00 67,680.00 55,680.00 645.90

49,000.00 690.90 - - 490.00 78.40 122.50 7,840.00 12,250.00 69,090.00 56,840.00 659.30

50,000.00 705.00 - - 500.00 80.00 125.00 8,000.00 12,500.00 70,500.00 58,000.00 672.80

6.1.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 150 KEUNTUNGAN
(k/150) 3(tahun) k (a+h) m*0.0058*
2(tahun)
1,495.00
abcde f gh j mn

1,000.00 9.97 - - 6.67 0.80 2.50 120.00 375.00 1,120.00 19.50

2,000.00 19.93 - - 13.33 1.60 5.00 240.00 750.00 2,990.00 2,240.00 39.00

3,000.00 29.90 - - 20.00 2.40 7.50 360.00 1,125.00 4,485.00 3,360.00 58.50

4,000.00 39.87 - - 26.67 3.20 10.00 480.00 1,500.00 5,980.00 4,480.00 78.00

5,000.00 49.83 - - 33.33 4.00 12.50 600.00 1,875.00 7,475.00 5,600.00 97.40

6,000.00 59.80 - - 40.00 4.80 15.00 720.00 2,250.00 8,970.00 6,720.00 116.90

7,000.00 69.77 - - 46.67 5.60 17.50 840.00 2,625.00 10,465.00 7,840.00 136.40

8,000.00 79.73 - - 53.33 6.40 20.00 960.00 3,000.00 11,960.00 8,960.00 155.90

9,000.00 89.70 - - 60.00 7.20 22.50 1,080.00 3,375.00 13,455.00 10,080.00 175.40

10,000.00 99.67 - - 66.67 8.00 25.00 1,200.00 3,750.00 14,950.00 11,200.00 194.90

11,000.00 109.63 - - 73.33 8.80 27.50 1,320.00 4,125.00 16,445.00 12,320.00 214.40

12,000.00 119.60 - - 80.00 9.60 30.00 1,440.00 4,500.00 17,940.00 13,440.00 233.90

13,000.00 129.57 - - 86.67 10.40 32.50 1,560.00 4,875.00 19,435.00 14,560.00 253.30

14,000.00 139.53 - - 93.33 11.20 35.00 1,680.00 5,250.00 20,930.00 15,680.00 272.80

15,000.00 149.50 - - 100.00 12.00 37.50 1,800.00 5,625.00 22,425.00 16,800.00 292.30



6.1.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 150 KEUNTUNGAN
(k/150) 3(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

16,000.00 159.47 - - 106.67 12.80 40.00 1,920.00 6,000.00 23,920.00 17,920.00 311.80

17,000.00 169.43 - - 113.33 13.60 42.50 2,040.00 6,375.00 25,415.00 19,040.00 331.30

18,000.00 179.40 - - 120.00 14.40 45.00 2,160.00 6,750.00 26,910.00 20,160.00 350.80

19,000.00 189.37 - - 126.67 15.20 47.50 2,280.00 7,125.00 28,405.00 21,280.00 370.30

20,000.00 199.33 - - 133.33 16.00 50.00 2,400.00 7,500.00 29,900.00 22,400.00 389.80

21,000.00 209.30 - - 140.00 16.80 52.50 2,520.00 7,875.00 31,395.00 23,520.00 409.20

22,000.00 219.27 - - 146.67 17.60 55.00 2,640.00 8,250.00 32,890.00 24,640.00 428.70

23,000.00 229.23 - - 153.33 18.40 57.50 2,760.00 8,625.00 34,385.00 25,760.00 448.20

24,000.00 239.20 - - 160.00 19.20 60.00 2,880.00 9,000.00 35,880.00 26,880.00 467.70

25,000.00 249.17 - - 166.67 20.00 62.50 3,000.00 9,375.00 37,375.00 28,000.00 487.20

26,000.00 259.13 - - 173.33 20.80 65.00 3,120.00 9,750.00 38,870.00 29,120.00 506.70

27,000.00 269.10 - - 180.00 21.60 67.50 3,240.00 10,125.00 40,365.00 30,240.00 526.20

28,000.00 279.07 - - 186.67 22.40 70.00 3,360.00 10,500.00 41,860.00 31,360.00 545.70

29,000.00 289.03 - - 193.33 23.20 72.50 3,480.00 10,875.00 43,355.00 32,480.00 565.20

30,000.00 299.00 - - 200.00 24.00 75.00 3,600.00 11,250.00 44,850.00 33,600.00 584.60

6.1.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) 3(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

31,000.00 333.77 - - 206.67 49.60 77.50 7,440.00 11,625.00 50,065.00 38,440.00 668.90

32,000.00 344.53 - - 213.33 51.20 80.00 7,680.00 12,000.00 51,680.00 39,680.00 690.40

33,000.00 355.30 - - 220.00 52.80 82.50 7,920.00 12,375.00 53,295.00 40,920.00 712.00

34,000.00 366.07 - - 226.67 54.40 85.00 8,160.00 12,750.00 54,910.00 42,160.00 733.60

35,000.00 376.83 - - 233.33 56.00 87.50 8,400.00 13,125.00 56,525.00 43,400.00 755.20

36,000.00 387.60 - - 240.00 57.60 90.00 8,640.00 13,500.00 58,140.00 44,640.00 776.70

37,000.00 398.37 - - 246.67 59.20 92.50 8,880.00 13,875.00 59,755.00 45,880.00 798.30

38,000.00 409.13 - - 253.33 60.80 95.00 9,120.00 14,250.00 61,370.00 47,120.00 819.90

39,000.00 419.90 - - 260.00 62.40 97.50 9,360.00 14,625.00 62,985.00 48,360.00 841.50

40,000.00 430.67 - - 266.67 64.00 100.00 9,600.00 15,000.00 64,600.00 49,600.00 863.00

41,000.00 441.43 - - 273.33 65.60 102.50 9,840.00 15,375.00 66,215.00 50,840.00 884.60

42,000.00 452.20 - - 280.00 67.20 105.00 10,080.00 15,750.00 67,830.00 52,080.00 906.20

43,000.00 462.97 - - 286.67 68.80 107.50 10,320.00 16,125.00 69,445.00 53,320.00 927.80

44,000.00 473.73 - - 293.33 70.40 110.00 10,560.00 16,500.00 71,060.00 54,560.00 949.30

45,000.00 484.50 - - 300.00 72.00 112.50 10,800.00 16,875.00 72,675.00 55,800.00 970.90



6.1.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Bisnes bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.25/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) 3(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

46,000.00 495.27 - - 306.67 73.60 115.00 11,040.00 17,250.00 74,290.00 57,040.00 992.50

47,000.00 506.03 - - 313.33 75.20 117.50 11,280.00 17,625.00 75,905.00 58,280.00 1,014.10

48,000.00 516.80 - - 320.00 76.80 120.00 11,520.00 18,000.00 77,520.00 59,520.00 1,035.60

49,000.00 527.57 - - 326.67 78.40 122.50 11,760.00 18,375.00 79,135.00 60,760.00 1,057.20

50,000.00 538.33 - - 333.33 80.00 125.00 12,000.00 18,750.00 80,750.00 62,000.00 1,078.80

SKIM ZERO TO HERO
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 4% setahun bagi
pembiayaan RM30,000 ke bawah

6.2.1a Jadual Bayaran Ansuran Skim Pembiayaan Zero To Hero bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 25 KEUNTUNGAN
(k/25) 0.5(tahun) k (a+h) m*0.0058*
1(tahun)
1,082.50
abcde f gh j mn

1,000.00 43.30 - - 40.00 0.80 2.50 20.00 62.50 1,020.00 5.90

2,000.00 86.60 - - 80.00 1.60 5.00 40.00 125.00 2,165.00 2,040.00 11.80

3,000.00 129.90 - - 120.00 2.40 7.50 60.00 187.50 3,247.50 3,060.00 17.70

4,000.00 173.20 - - 160.00 3.20 10.00 80.00 250.00 4,330.00 4,080.00 23.70

5,000.00 216.50 - - 200.00 4.00 12.50 100.00 312.50 5,412.50 5,100.00 29.60

6,000.00 259.80 - - 240.00 4.80 15.00 120.00 375.00 6,495.00 6,120.00 35.50

7,000.00 303.10 - - 280.00 5.60 17.50 140.00 437.50 7,577.50 7,140.00 41.40

8,000.00 346.40 - - 320.00 6.40 20.00 160.00 500.00 8,660.00 8,160.00 47.30

9,000.00 389.70 - - 360.00 7.20 22.50 180.00 562.50 9,742.50 9,180.00 53.20

10,000.00 433.00 - - 400.00 8.00 25.00 200.00 625.00 10,825.00 10,200.00 59.20











6.2.2a Jadual Bayaran Ansuran Skim Pembiayaan Zero To Hero bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 50 KEUNTUNGAN
(k/50) 1(tahun) k (a+h) m*0.0058*
1(tahun)
1,165.00
abcde f gh j mn

1,000.00 23.30 - - 20.00 0.80 2.50 40.00 125.00 1,040.00 6.00

2,000.00 46.60 - - 40.00 1.60 5.00 80.00 250.00 2,330.00 2,080.00 12.10

3,000.00 69.90 - - 60.00 2.40 7.50 120.00 375.00 3,495.00 3,120.00 18.10

4,000.00 93.20 - - 80.00 3.20 10.00 160.00 500.00 4,660.00 4,160.00 24.10

5,000.00 116.50 - - 100.00 4.00 12.50 200.00 625.00 5,825.00 5,200.00 30.20

6,000.00 139.80 - - 120.00 4.80 15.00 240.00 750.00 6,990.00 6,240.00 36.20

7,000.00 163.10 - - 140.00 5.60 17.50 280.00 875.00 8,155.00 7,280.00 42.20

8,000.00 186.40 - - 160.00 6.40 20.00 320.00 1,000.00 9,320.00 8,320.00 48.30

9,000.00 209.70 - - 180.00 7.20 22.50 360.00 1,125.00 10,485.00 9,360.00 54.30

10,000.00 233.00 - - 200.00 8.00 25.00 400.00 1,250.00 11,650.00 10,400.00 60.30

6.2.3a Jadual Bayaran Ansuran Skim Pembiayaan Zero To Hero bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 100 KEUNTUNGAN
(k/100) 2(tahun) k (a+h) m*0.0058*
2(tahun)
1,330.00
abcde f gh j mn

1,000.00 13.30 - - 10.00 0.80 2.50 80.00 250.00 1,080.00 12.50

2,000.00 26.60 - - 20.00 1.60 5.00 160.00 500.00 2,660.00 2,160.00 25.10

3,000.00 39.90 - - 30.00 2.40 7.50 240.00 750.00 3,990.00 3,240.00 37.60

4,000.00 53.20 - - 40.00 3.20 10.00 320.00 1,000.00 5,320.00 4,320.00 50.10

5,000.00 66.50 - - 50.00 4.00 12.50 400.00 1,250.00 6,650.00 5,400.00 62.60

6,000.00 79.80 - - 60.00 4.80 15.00 480.00 1,500.00 7,980.00 6,480.00 75.20

7,000.00 93.10 - - 70.00 5.60 17.50 560.00 1,750.00 9,310.00 7,560.00 87.70

8,000.00 106.40 - - 80.00 6.40 20.00 640.00 2,000.00 10,640.00 8,640.00 100.20

9,000.00 119.70 - - 90.00 7.20 22.50 720.00 2,250.00 11,970.00 9,720.00 112.80

10,000.00 133.00 - - 100.00 8.00 25.00 800.00 2,500.00 13,300.00 10,800.00 125.30










6.2.4a Jadual Bayaran Ansuran Skim Pembiayaan Zero To Hero bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.25/100)* (a+h+j) TAKAFUL
a*(4/100)* 150 KEUNTUNGAN
(k/150) 3(tahun) k (a+h) m*0.0058*
3(tahun)
1,495.00
abcde f gh j mn

1,000.00 9.97 - - 6.67 0.80 2.50 120.00 375.00 1,120.00 19.50

2,000.00 19.93 - - 13.33 1.60 5.00 240.00 750.00 2,990.00 2,240.00 39.00

3,000.00 29.90 - - 20.00 2.40 7.50 360.00 1,125.00 4,485.00 3,360.00 58.50

4,000.00 39.87 - - 26.67 3.20 10.00 480.00 1,500.00 5,980.00 4,480.00 78.00

5,000.00 49.83 - - 33.33 4.00 12.50 600.00 1,875.00 7,475.00 5,600.00 97.40

6,000.00 59.80 - - 40.00 4.80 15.00 720.00 2,250.00 8,970.00 6,720.00 116.90

7,000.00 69.77 - - 46.67 5.60 17.50 840.00 2,625.00 10,465.00 7,840.00 136.40

8,000.00 79.73 - - 53.33 6.40 20.00 960.00 3,000.00 11,960.00 8,960.00 155.90

9,000.00 89.70 - - 60.00 7.20 22.50 1,080.00 3,375.00 13,455.00 10,080.00 175.40

10,000.00 99.67 - - 66.67 8.00 25.00 1,200.00 3,750.00 14,950.00 11,200.00 194.90

SKIM NIAGA DARUL EHSAN (NaDI)
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 4% setahun bagi
pembiayaan RM30,000 ke bawah

6.3.1a Jadual Bayaran Ansuran Skim Niaga Darul Ehsan (NaDI) bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/25) 0.5(tahun) j k (a+h) m*0.0058*
- 1(tahun)
1,082.50
abcde f gh mn

1,000.00 40.80 - - 40.00 0.80 - 20.00 1,020.00 5.90

2,000.00 81.60 - - 80.00 1.60 - 40.00 - 2,165.00 2,040.00 11.80

3,000.00 122.40 - - 120.00 2.40 - 60.00 - 3,247.50 3,060.00 17.70

4,000.00 163.20 - - 160.00 3.20 - 80.00 - 4,330.00 4,080.00 23.70

5,000.00 204.00 - - 200.00 4.00 - 100.00 - 5,412.50 5,100.00 29.60

Jadual Bayaran Ansuran Skim Niaga Darul Ehsan (NaDI) bagi tempoh 50 Minggu (1 Tahun) JUMLAH
SIMPANAN

j
6.3.2a -

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN BAYAR POKOK + JUMLAH
BULANAN SEKALIGUS (a/50) (h/50) (j/50) KEUNTUNGAN (a+h+j) KEUNTUNGAN TAKAFUL
MINGGUAN a*(4/100)* m*0.0058*
(k/50) 1(tahun) k (a+h)
1(tahun)
1,165.00
abcde f gh mn

1,000.00 20.80 - - 20.00 0.80 - 40.00 1,040.00 6.00

2,000.00 41.60 - - 40.00 1.60 - 80.00 - 2,330.00 2,080.00 12.10

3,000.00 62.40 - - 60.00 2.40 - 120.00 - 3,495.00 3,120.00 18.10

4,000.00 83.20 - - 80.00 3.20 - 160.00 - 4,660.00 4,160.00 24.10

5,000.00 104.00 - - 100.00 4.00 - 200.00 - 5,825.00 5,200.00 30.20


6.3.3a Jadual Bayaran Ansuran Skim Niaga Darul Ehsan (NaDI) bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/100) 2(tahun) j k (a+h) m*0.0058*
2(tahun)
1,330.00
abcde f gh mn

1,000.00 10.80 - - 10.00 0.80 - 80.00 1,080.00 12.50

2,000.00 21.60 - - 20.00 1.60 - 160.00 2,660.00 2,160.00 25.10

3,000.00 32.40 - - 30.00 2.40 - 240.00 3,990.00 3,240.00 37.60

4,000.00 43.20 - - 40.00 3.20 - 320.00 5,320.00 4,320.00 50.10

5,000.00 54.00 - - 50.00 4.00 - 400.00 6,650.00 5,400.00 62.60

Jadual Bayaran Ansuran Skim Niaga Darul Ehsan (NaDI) bagi tempoh 150 Minggu (3 Tahun)






6.3.4a

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN JUMLAH BAYAR POKOK + JUMLAH
BULANAN SEKALIGUS (a/150) (h/150) (j/150) KEUNTUNGAN SIMPANAN (a+h+j) KEUNTUNGAN
MINGGUAN a*(4/100)* TAKAFUL
(k/150) 3(tahun) j k (a+h) m*0.0058*
- 3(tahun)
1,495.00
abcde f gh mn

1,000.00 7.47 - - 6.67 0.80 - 120.00 1,120.00 19.50

2,000.00 14.93 - - 13.33 1.60 - 240.00 - 2,990.00 2,240.00 39.00

3,000.00 22.40 - - 20.00 2.40 - 360.00 - 4,485.00 3,360.00 58.50

4,000.00 29.87 - - 26.67 3.20 - 480.00 - 5,980.00 4,480.00 78.00

5,000.00 37.33 - - 33.33 4.00 - 600.00 - 7,475.00 5,600.00 97.40

SKIM PEMBIAYAAN GO DIGITAL
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 4% setahun bagi
pembiayaan RM30,000 ke bawah

6.4.1a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/25) 0.5(tahun) j k (a+h) m*0.0058*
- 1(tahun)
1,020.00
abcde f gh mn

1,000.00 40.80 - - 40.00 0.80 - 20.00 1,020.00 5.90

2,000.00 81.60 - - 80.00 1.60 - 40.00 - 2,040.00 2,040.00 11.80

3,000.00 122.40 - - 120.00 2.40 - 60.00 - 3,060.00 3,060.00 17.70

4,000.00 163.20 - - 160.00 3.20 - 80.00 - 4,080.00 4,080.00 23.70

5,000.00 204.00 - - 200.00 4.00 - 100.00 - 5,100.00 5,100.00 29.60

6,000.00 244.80 - - 240.00 4.80 - 120.00 - 6,120.00 6,120.00 35.50

7,000.00 285.60 - - 280.00 5.60 - 140.00 - 7,140.00 7,140.00 41.40

8,000.00 326.40 - - 320.00 6.40 - 160.00 - 8,160.00 8,160.00 47.30

9,000.00 367.20 - - 360.00 7.20 - 180.00 - 9,180.00 9,180.00 53.20

10,000.00 408.00 - - 400.00 8.00 - 200.00 - 10,200.00 10,200.00 59.20

11,000.00 448.80 - - 440.00 8.80 - 220.00 - 11,220.00 11,220.00 65.10

12,000.00 489.60 - - 480.00 9.60 - 240.00 - 12,240.00 12,240.00 71.00

13,000.00 530.40 - - 520.00 10.40 - 260.00 - 13,260.00 13,260.00 76.90

14,000.00 571.20 - - 560.00 11.20 - 280.00 - 14,280.00 14,280.00 82.80

15,000.00 612.00 - - 600.00 12.00 - 300.00 - 15,300.00 15,300.00 88.70



6.4.1a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/25) 0.5(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

16,000.00 652.80 - - 640.00 12.80 - 320.00 16,320.00 16,320.00 94.70

17,000.00 693.60 - - 680.00 13.60 - 340.00 - 17,340.00 17,340.00 100.60

18,000.00 734.40 - - 720.00 14.40 - 360.00 - 18,360.00 18,360.00 106.50

19,000.00 775.20 - - 760.00 15.20 - 380.00 - 19,380.00 19,380.00 112.40

20,000.00 816.00 - - 800.00 16.00 - 400.00 - 20,400.00 20,400.00 118.30

21,000.00 856.80 - - 840.00 16.80 - 420.00 - 21,420.00 21,420.00 124.20

22,000.00 897.60 - - 880.00 17.60 - 440.00 - 22,440.00 22,440.00 130.20

23,000.00 938.40 - - 920.00 18.40 - 460.00 - 23,460.00 23,460.00 136.10

24,000.00 979.20 - - 960.00 19.20 - 480.00 - 24,480.00 24,480.00 142.00

25,000.00 1,020.00 - - 1,000.00 20.00 - 500.00 - 25,500.00 25,500.00 147.90

26,000.00 1,060.80 - - 1,040.00 20.80 - 520.00 - 26,520.00 26,520.00 153.80

27,000.00 1,101.60 - - 1,080.00 21.60 - 540.00 - 27,540.00 27,540.00 159.70

28,000.00 1,142.40 - - 1,120.00 22.40 - 560.00 - 28,560.00 28,560.00 165.60

29,000.00 1,183.20 - - 1,160.00 23.20 - 580.00 - 29,580.00 29,580.00 171.60

30,000.00 1,224.00 - - 1,200.00 24.00 - 600.00 - 30,600.00 30,600.00 177.50

6.4.1a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/25) 0.5(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

31,000.00 1,289.60 - - 1,240.00 49.60 - 1,240.00 32,240.00 32,240.00 187.00

32,000.00 1,331.20 - - 1,280.00 51.20 - 1,280.00 - 33,280.00 33,280.00 193.00

33,000.00 1,372.80 - - 1,320.00 52.80 - 1,320.00 - 34,320.00 34,320.00 199.10

34,000.00 1,414.40 - - 1,360.00 54.40 - 1,360.00 - 35,360.00 35,360.00 205.10

35,000.00 1,456.00 - - 1,400.00 56.00 - 1,400.00 - 36,400.00 36,400.00 211.10

36,000.00 1,497.60 - - 1,440.00 57.60 - 1,440.00 - 37,440.00 37,440.00 217.20

37,000.00 1,539.20 - - 1,480.00 59.20 - 1,480.00 - 38,480.00 38,480.00 223.20

38,000.00 1,580.80 - - 1,520.00 60.80 - 1,520.00 - 39,520.00 39,520.00 229.20

39,000.00 1,622.40 - - 1,560.00 62.40 - 1,560.00 - 40,560.00 40,560.00 235.20

40,000.00 1,664.00 - - 1,600.00 64.00 - 1,600.00 - 41,600.00 41,600.00 241.30

41,000.00 1,705.60 - - 1,640.00 65.60 - 1,640.00 - 42,640.00 42,640.00 247.30

42,000.00 1,747.20 - - 1,680.00 67.20 - 1,680.00 - 43,680.00 43,680.00 253.30

43,000.00 1,788.80 - - 1,720.00 68.80 - 1,720.00 - 44,720.00 44,720.00 259.40

44,000.00 1,830.40 - - 1,760.00 70.40 - 1,760.00 - 45,760.00 45,760.00 265.40

45,000.00 1,872.00 - - 1,800.00 72.00 - 1,800.00 - 46,800.00 46,800.00 271.40



6.4.1a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 25 Minggu (6 Bulan)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/25) 0.5(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

46,000.00 1,913.60 - - 1,840.00 73.60 - 1,840.00 47,840.00 47,840.00 277.50

47,000.00 1,955.20 - - 1,880.00 75.20 - 1,880.00 - 48,880.00 48,880.00 283.50

48,000.00 1,996.80 - - 1,920.00 76.80 - 1,920.00 - 49,920.00 49,920.00 289.50

49,000.00 2,038.40 - - 1,960.00 78.40 - 1,960.00 - 50,960.00 50,960.00 295.60

50,000.00 2,080.00 - - 2,000.00 80.00 - 2,000.00 - 52,000.00 52,000.00 301.60

6.4.2a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/50) 1(tahun) j k (a+h) m*0.0058*
- 1(tahun)
1,040.00
abcde f gh mn

1,000.00 20.80 - - 20.00 0.80 - 40.00 1,040.00 6.00

2,000.00 41.60 - - 40.00 1.60 - 80.00 - 2,080.00 2,080.00 12.10

3,000.00 62.40 - - 60.00 2.40 - 120.00 - 3,120.00 3,120.00 18.10

4,000.00 83.20 - - 80.00 3.20 - 160.00 - 4,160.00 4,160.00 24.10

5,000.00 104.00 - - 100.00 4.00 - 200.00 - 5,200.00 5,200.00 30.20

6,000.00 124.80 - - 120.00 4.80 - 240.00 - 6,240.00 6,240.00 36.20

7,000.00 145.60 - - 140.00 5.60 - 280.00 - 7,280.00 7,280.00 42.20

8,000.00 166.40 - - 160.00 6.40 - 320.00 - 8,320.00 8,320.00 48.30

9,000.00 187.20 - - 180.00 7.20 - 360.00 - 9,360.00 9,360.00 54.30

10,000.00 208.00 - - 200.00 8.00 - 400.00 - 10,400.00 10,400.00 60.30

11,000.00 228.80 - - 220.00 8.80 - 440.00 - 11,440.00 11,440.00 66.40

12,000.00 249.60 - - 240.00 9.60 - 480.00 - 12,480.00 12,480.00 72.40

13,000.00 270.40 - - 260.00 10.40 - 520.00 - 13,520.00 13,520.00 78.40

14,000.00 291.20 - - 280.00 11.20 - 560.00 - 14,560.00 14,560.00 84.40

15,000.00 312.00 - - 300.00 12.00 - 600.00 - 15,600.00 15,600.00 90.50



6.4.2a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/50) 1(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

16,000.00 332.80 - - 320.00 12.80 - 640.00 16,640.00 16,640.00 96.50

17,000.00 353.60 - - 340.00 13.60 - 680.00 - 17,680.00 17,680.00 102.50

18,000.00 374.40 - - 360.00 14.40 - 720.00 - 18,720.00 18,720.00 108.60

19,000.00 395.20 - - 380.00 15.20 - 760.00 - 19,760.00 19,760.00 114.60

20,000.00 416.00 - - 400.00 16.00 - 800.00 - 20,800.00 20,800.00 120.60

21,000.00 436.80 - - 420.00 16.80 - 840.00 - 21,840.00 21,840.00 126.70

22,000.00 457.60 - - 440.00 17.60 - 880.00 - 22,880.00 22,880.00 132.70

23,000.00 478.40 - - 460.00 18.40 - 920.00 - 23,920.00 23,920.00 138.70

24,000.00 499.20 - - 480.00 19.20 - 960.00 - 24,960.00 24,960.00 144.80

25,000.00 520.00 - - 500.00 20.00 - 1,000.00 - 26,000.00 26,000.00 150.80

26,000.00 540.80 - - 520.00 20.80 - 1,040.00 - 27,040.00 27,040.00 156.80

27,000.00 561.60 - - 540.00 21.60 - 1,080.00 - 28,080.00 28,080.00 162.90

28,000.00 582.40 - - 560.00 22.40 - 1,120.00 - 29,120.00 29,120.00 168.90

29,000.00 603.20 - - 580.00 23.20 - 1,160.00 - 30,160.00 30,160.00 174.90

30,000.00 624.00 - - 600.00 24.00 - 1,200.00 - 31,200.00 31,200.00 181.00

6.4.2a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/50) 1(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

31,000.00 669.60 - - 620.00 49.60 - 2,480.00 33,480.00 33,480.00 194.20

32,000.00 691.20 - - 640.00 51.20 - 2,560.00 - 34,560.00 34,560.00 200.40

33,000.00 712.80 - - 660.00 52.80 - 2,640.00 - 35,640.00 35,640.00 206.70

34,000.00 734.40 - - 680.00 54.40 - 2,720.00 - 36,720.00 36,720.00 213.00

35,000.00 756.00 - - 700.00 56.00 - 2,800.00 - 37,800.00 37,800.00 219.20

36,000.00 777.60 - - 720.00 57.60 - 2,880.00 - 38,880.00 38,880.00 225.50

37,000.00 799.20 - - 740.00 59.20 - 2,960.00 - 39,960.00 39,960.00 231.80

38,000.00 820.80 - - 760.00 60.80 - 3,040.00 - 41,040.00 41,040.00 238.00

39,000.00 842.40 - - 780.00 62.40 - 3,120.00 - 42,120.00 42,120.00 244.30

40,000.00 864.00 - - 800.00 64.00 - 3,200.00 - 43,200.00 43,200.00 250.60

41,000.00 885.60 - - 820.00 65.60 - 3,280.00 - 44,280.00 44,280.00 256.80

42,000.00 907.20 - - 840.00 67.20 - 3,360.00 - 45,360.00 45,360.00 263.10

43,000.00 928.80 - - 860.00 68.80 - 3,440.00 - 46,440.00 46,440.00 269.40

44,000.00 950.40 - - 880.00 70.40 - 3,520.00 - 47,520.00 47,520.00 275.60

45,000.00 972.00 - - 900.00 72.00 - 3,600.00 - 48,600.00 48,600.00 281.90



6.4.2a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/50) 1(tahun) j k (a+h) m*0.0058*
- 1(tahun)

abcde f gh mn

46,000.00 993.60 - - 920.00 73.60 - 3,680.00 49,680.00 49,680.00 288.10

47,000.00 1,015.20 - - 940.00 75.20 - 3,760.00 - 50,760.00 50,760.00 294.40

48,000.00 1,036.80 - - 960.00 76.80 - 3,840.00 - 51,840.00 51,840.00 300.70

49,000.00 1,058.40 - - 980.00 78.40 - 3,920.00 - 52,920.00 52,920.00 306.90

50,000.00 1,080.00 - - 1,000.00 80.00 - 4,000.00 - 54,000.00 54,000.00 313.20

6.4.3a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/100) 2(tahun) j k (a+h) m*0.0058*
- 2(tahun)
1,080.00
abcde f gh mn

1,000.00 10.80 - - 10.00 0.80 - 80.00 1,080.00 12.50

2,000.00 21.60 - - 20.00 1.60 - 160.00 - 2,160.00 2,160.00 25.10

3,000.00 32.40 - - 30.00 2.40 - 240.00 - 3,240.00 3,240.00 37.60

4,000.00 43.20 - - 40.00 3.20 - 320.00 - 4,320.00 4,320.00 50.10

5,000.00 54.00 - - 50.00 4.00 - 400.00 - 5,400.00 5,400.00 62.60

6,000.00 64.80 - - 60.00 4.80 - 480.00 - 6,480.00 6,480.00 75.20

7,000.00 75.60 - - 70.00 5.60 - 560.00 - 7,560.00 7,560.00 87.70

8,000.00 86.40 - - 80.00 6.40 - 640.00 - 8,640.00 8,640.00 100.20

9,000.00 97.20 - - 90.00 7.20 - 720.00 - 9,720.00 9,720.00 112.80

10,000.00 108.00 - - 100.00 8.00 - 800.00 - 10,800.00 10,800.00 125.30

11,000.00 118.80 - - 110.00 8.80 - 880.00 - 11,880.00 11,880.00 137.80

12,000.00 129.60 - - 120.00 9.60 - 960.00 - 12,960.00 12,960.00 150.30

13,000.00 140.40 - - 130.00 10.40 - 1,040.00 - 14,040.00 14,040.00 162.90

14,000.00 151.20 - - 140.00 11.20 - 1,120.00 - 15,120.00 15,120.00 175.40

15,000.00 162.00 - - 150.00 12.00 - 1,200.00 - 16,200.00 16,200.00 187.90



6.4.3a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/100) 2(tahun) j k (a+h) m*0.0058*
- 2(tahun)

abcde f gh mn

16,000.00 172.80 - - 160.00 12.80 - 1,280.00 17,280.00 17,280.00 200.40

17,000.00 183.60 - - 170.00 13.60 - 1,360.00 - 18,360.00 18,360.00 213.00

18,000.00 194.40 - - 180.00 14.40 - 1,440.00 - 19,440.00 19,440.00 225.50

19,000.00 205.20 - - 190.00 15.20 - 1,520.00 - 20,520.00 20,520.00 238.00

20,000.00 216.00 - - 200.00 16.00 - 1,600.00 - 21,600.00 21,600.00 250.60

21,000.00 226.80 - - 210.00 16.80 - 1,680.00 - 22,680.00 22,680.00 263.10

22,000.00 237.60 - - 220.00 17.60 - 1,760.00 - 23,760.00 23,760.00 275.60

23,000.00 248.40 - - 230.00 18.40 - 1,840.00 - 24,840.00 24,840.00 288.10

24,000.00 259.20 - - 240.00 19.20 - 1,920.00 - 25,920.00 25,920.00 300.70

25,000.00 270.00 - - 250.00 20.00 - 2,000.00 - 27,000.00 27,000.00 313.20

26,000.00 280.80 - - 260.00 20.80 - 2,080.00 - 28,080.00 28,080.00 325.70

27,000.00 291.60 - - 270.00 21.60 - 2,160.00 - 29,160.00 29,160.00 338.30

28,000.00 302.40 - - 280.00 22.40 - 2,240.00 - 30,240.00 30,240.00 350.80

29,000.00 313.20 - - 290.00 23.20 - 2,320.00 - 31,320.00 31,320.00 363.30

30,000.00 324.00 - - 300.00 24.00 - 2,400.00 - 32,400.00 32,400.00 375.80

6.4.3a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/100) 2(tahun) j k (a+h) m*0.0058*
- 2(tahun)

abcde f gh mn

31,000.00 359.60 - - 310.00 49.60 - 4,960.00 35,960.00 35,960.00 417.10

32,000.00 371.20 - - 320.00 51.20 - 5,120.00 - 37,120.00 37,120.00 430.60

33,000.00 382.80 - - 330.00 52.80 - 5,280.00 - 38,280.00 38,280.00 444.00

34,000.00 394.40 - - 340.00 54.40 - 5,440.00 - 39,440.00 39,440.00 457.50

35,000.00 406.00 - - 350.00 56.00 - 5,600.00 - 40,600.00 40,600.00 471.00

36,000.00 417.60 - - 360.00 57.60 - 5,760.00 - 41,760.00 41,760.00 484.40

37,000.00 429.20 - - 370.00 59.20 - 5,920.00 - 42,920.00 42,920.00 497.90

38,000.00 440.80 - - 380.00 60.80 - 6,080.00 - 44,080.00 44,080.00 511.30

39,000.00 452.40 - - 390.00 62.40 - 6,240.00 - 45,240.00 45,240.00 524.80

40,000.00 464.00 - - 400.00 64.00 - 6,400.00 - 46,400.00 46,400.00 538.20

41,000.00 475.60 - - 410.00 65.60 - 6,560.00 - 47,560.00 47,560.00 551.70

42,000.00 487.20 - - 420.00 67.20 - 6,720.00 - 48,720.00 48,720.00 565.20

43,000.00 498.80 - - 430.00 68.80 - 6,880.00 - 49,880.00 49,880.00 578.60

44,000.00 510.40 - - 440.00 70.40 - 7,040.00 - 51,040.00 51,040.00 592.10

45,000.00 522.00 - - 450.00 72.00 - 7,200.00 - 52,200.00 52,200.00 605.50



6.4.3a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/100) 2(tahun) j k (a+h) m*0.0058*
- 2(tahun)

abcde f gh mn

46,000.00 533.60 - - 460.00 73.60 - 7,360.00 53,360.00 53,360.00 619.00

47,000.00 545.20 - - 470.00 75.20 - 7,520.00 - 54,520.00 54,520.00 632.40

48,000.00 556.80 - - 480.00 76.80 - 7,680.00 - 55,680.00 55,680.00 645.90

49,000.00 568.40 - - 490.00 78.40 - 7,840.00 - 56,840.00 56,840.00 659.30

50,000.00 580.00 - - 500.00 80.00 - 8,000.00 - 58,000.00 58,000.00 672.80

6.4.4a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/150) 3(tahun) j k (a+h) m*0.0058*
- 3(tahun)
1,120.00
abcde f gh mn

1,000.00 7.47 - - 6.67 0.80 - 120.00 1,120.00 19.50

2,000.00 14.93 - - 13.33 1.60 - 240.00 - 2,240.00 2,240.00 39.00

3,000.00 22.40 - - 20.00 2.40 - 360.00 - 3,360.00 3,360.00 58.50

4,000.00 29.87 - - 26.67 3.20 - 480.00 - 4,480.00 4,480.00 78.00

5,000.00 37.33 - - 33.33 4.00 - 600.00 - 5,600.00 5,600.00 97.40

6,000.00 44.80 - - 40.00 4.80 - 720.00 - 6,720.00 6,720.00 116.90

7,000.00 52.27 - - 46.67 5.60 - 840.00 - 7,840.00 7,840.00 136.40

8,000.00 59.73 - - 53.33 6.40 - 960.00 - 8,960.00 8,960.00 155.90

9,000.00 67.20 - - 60.00 7.20 - 1,080.00 - 10,080.00 10,080.00 175.40

10,000.00 74.67 - - 66.67 8.00 - 1,200.00 - 11,200.00 11,200.00 194.90

11,000.00 82.13 - - 73.33 8.80 - 1,320.00 - 12,320.00 12,320.00 214.40

12,000.00 89.60 - - 80.00 9.60 - 1,440.00 - 13,440.00 13,440.00 233.90

13,000.00 97.07 - - 86.67 10.40 - 1,560.00 - 14,560.00 14,560.00 253.30

14,000.00 104.53 - - 93.33 11.20 - 1,680.00 - 15,680.00 15,680.00 272.80

15,000.00 112.00 - - 100.00 12.00 - 1,800.00 - 16,800.00 16,800.00 292.30



6.4.4a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/150) 3(tahun) j k (a+h) m*0.0058*
- 3(tahun)

abcde f gh mn

16,000.00 119.47 - - 106.67 12.80 - 1,920.00 17,920.00 17,920.00 311.80

17,000.00 126.93 - - 113.33 13.60 - 2,040.00 - 19,040.00 19,040.00 331.30

18,000.00 134.40 - - 120.00 14.40 - 2,160.00 - 20,160.00 20,160.00 350.80

19,000.00 141.87 - - 126.67 15.20 - 2,280.00 - 21,280.00 21,280.00 370.30

20,000.00 149.33 - - 133.33 16.00 - 2,400.00 - 22,400.00 22,400.00 389.80

21,000.00 156.80 - - 140.00 16.80 - 2,520.00 - 23,520.00 23,520.00 409.20

22,000.00 164.27 - - 146.67 17.60 - 2,640.00 - 24,640.00 24,640.00 428.70

23,000.00 171.73 - - 153.33 18.40 - 2,760.00 - 25,760.00 25,760.00 448.20

24,000.00 179.20 - - 160.00 19.20 - 2,880.00 - 26,880.00 26,880.00 467.70

25,000.00 186.67 - - 166.67 20.00 - 3,000.00 - 28,000.00 28,000.00 487.20

26,000.00 194.13 - - 173.33 20.80 - 3,120.00 - 29,120.00 29,120.00 506.70

27,000.00 201.60 - - 180.00 21.60 - 3,240.00 - 30,240.00 30,240.00 526.20

28,000.00 209.07 - - 186.67 22.40 - 3,360.00 - 31,360.00 31,360.00 545.70

29,000.00 216.53 - - 193.33 23.20 - 3,480.00 - 32,480.00 32,480.00 565.20

30,000.00 224.00 - - 200.00 24.00 - 3,600.00 - 33,600.00 33,600.00 584.60

6.4.4a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/150) 3(tahun) j k (a+h) m*0.0058*
- 3(tahun)

abcde f gh mn

31,000.00 256.27 - - 206.67 49.60 - 7,440.00 38,440.00 38,440.00 668.90

32,000.00 264.53 - - 213.33 51.20 - 7,680.00 - 39,680.00 39,680.00 690.40

33,000.00 272.80 - - 220.00 52.80 - 7,920.00 - 40,920.00 40,920.00 712.00

34,000.00 281.07 - - 226.67 54.40 - 8,160.00 - 42,160.00 42,160.00 733.60

35,000.00 289.33 - - 233.33 56.00 - 8,400.00 - 43,400.00 43,400.00 755.20

36,000.00 297.60 - - 240.00 57.60 - 8,640.00 - 44,640.00 44,640.00 776.70

37,000.00 305.87 - - 246.67 59.20 - 8,880.00 - 45,880.00 45,880.00 798.30

38,000.00 314.13 - - 253.33 60.80 - 9,120.00 - 47,120.00 47,120.00 819.90

39,000.00 322.40 - - 260.00 62.40 - 9,360.00 - 48,360.00 48,360.00 841.50

40,000.00 330.67 - - 266.67 64.00 - 9,600.00 - 49,600.00 49,600.00 863.00

41,000.00 338.93 - - 273.33 65.60 - 9,840.00 - 50,840.00 50,840.00 884.60

42,000.00 347.20 - - 280.00 67.20 - 10,080.00 - 52,080.00 52,080.00 906.20

43,000.00 355.47 - - 286.67 68.80 - 10,320.00 - 53,320.00 53,320.00 927.80

44,000.00 363.73 - - 293.33 70.40 - 10,560.00 - 54,560.00 54,560.00 949.30

45,000.00 372.00 - - 300.00 72.00 - 10,800.00 - 55,800.00 55,800.00 970.90



6.4.4a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/150) 3(tahun) j k (a+h) m*0.0058*
- 3(tahun)

abcde f gh mn

46,000.00 380.27 - - 306.67 73.60 - 11,040.00 57,040.00 57,040.00 992.50

47,000.00 388.53 - - 313.33 75.20 - 11,280.00 - 58,280.00 58,280.00 1,014.10

48,000.00 396.80 - - 320.00 76.80 - 11,520.00 - 59,520.00 59,520.00 1,035.60

49,000.00 405.07 - - 326.67 78.40 - 11,760.00 - 60,760.00 60,760.00 1,057.20

50,000.00 413.33 - - 333.33 80.00 - 12,000.00 - 62,000.00 62,000.00 1,078.80

6.4.5a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/200) 4(tahun) j k (a+h) m*0.0058*
- 4(tahun)
1,320.00
abcde f gh mn

1,000.00 6.60 - - 5.00 1.60 - 320.00 1,320.00 30.60

2,000.00 13.20 - - 10.00 3.20 - 640.00 - 2,640.00 2,640.00 61.20

3,000.00 19.80 - - 15.00 4.80 - 960.00 - 3,960.00 3,960.00 91.90

4,000.00 26.40 - - 20.00 6.40 - 1,280.00 - 5,280.00 5,280.00 122.50

5,000.00 33.00 - - 25.00 8.00 - 1,600.00 - 6,600.00 6,600.00 153.10

6,000.00 39.60 - - 30.00 9.60 - 1,920.00 - 7,920.00 7,920.00 183.70

7,000.00 46.20 - - 35.00 11.20 - 2,240.00 - 9,240.00 9,240.00 214.40

8,000.00 52.80 - - 40.00 12.80 - 2,560.00 - 10,560.00 10,560.00 245.00

9,000.00 59.40 - - 45.00 14.40 - 2,880.00 - 11,880.00 11,880.00 275.60

10,000.00 66.00 - - 50.00 16.00 - 3,200.00 - 13,200.00 13,200.00 306.20

11,000.00 72.60 - - 55.00 17.60 - 3,520.00 - 14,520.00 14,520.00 336.90

12,000.00 79.20 - - 60.00 19.20 - 3,840.00 - 15,840.00 15,840.00 367.50

13,000.00 85.80 - - 65.00 20.80 - 4,160.00 - 17,160.00 17,160.00 398.10

14,000.00 92.40 - - 70.00 22.40 - 4,480.00 - 18,480.00 18,480.00 428.70

15,000.00 99.00 - - 75.00 24.00 - 4,800.00 - 19,800.00 19,800.00 459.40



6.4.5a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/200) 4(tahun) j k (a+h) m*0.0058*
- 4(tahun)

abcde f gh mn

16,000.00 105.60 - - 80.00 25.60 - 5,120.00 21,120.00 21,120.00 490.00

17,000.00 112.20 - - 85.00 27.20 - 5,440.00 - 22,440.00 22,440.00 520.60

18,000.00 118.80 - - 90.00 28.80 - 5,760.00 - 23,760.00 23,760.00 551.20

19,000.00 125.40 - - 95.00 30.40 - 6,080.00 - 25,080.00 25,080.00 581.90

20,000.00 132.00 - - 100.00 32.00 - 6,400.00 - 26,400.00 26,400.00 612.50

21,000.00 138.60 - - 105.00 33.60 - 6,720.00 - 27,720.00 27,720.00 643.10

22,000.00 145.20 - - 110.00 35.20 - 7,040.00 - 29,040.00 29,040.00 673.70

23,000.00 151.80 - - 115.00 36.80 - 7,360.00 - 30,360.00 30,360.00 704.40

24,000.00 158.40 - - 120.00 38.40 - 7,680.00 - 31,680.00 31,680.00 735.00

25,000.00 165.00 - - 125.00 40.00 - 8,000.00 - 33,000.00 33,000.00 765.60

26,000.00 171.60 - - 130.00 41.60 - 8,320.00 - 34,320.00 34,320.00 796.20

27,000.00 178.20 - - 135.00 43.20 - 8,640.00 - 35,640.00 35,640.00 826.80

28,000.00 184.80 - - 140.00 44.80 - 8,960.00 - 36,960.00 36,960.00 857.50

29,000.00 191.40 - - 145.00 46.40 - 9,280.00 - 38,280.00 38,280.00 888.10

30,000.00 198.00 - - 150.00 48.00 - 9,600.00 - 39,600.00 39,600.00 918.70

6.4.5a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/200) 4(tahun) j k (a+h) m*0.0058*
- 4(tahun)

abcde f gh mn

31,000.00 204.60 - - 155.00 49.60 - 9,920.00 40,920.00 40,920.00 949.30

32,000.00 211.20 - - 160.00 51.20 - 10,240.00 - 42,240.00 42,240.00 980.00

33,000.00 217.80 - - 165.00 52.80 - 10,560.00 - 43,560.00 43,560.00 1,010.60

34,000.00 224.40 - - 170.00 54.40 - 10,880.00 - 44,880.00 44,880.00 1,041.20

35,000.00 231.00 - - 175.00 56.00 - 11,200.00 - 46,200.00 46,200.00 1,071.80

36,000.00 237.60 - - 180.00 57.60 - 11,520.00 - 47,520.00 47,520.00 1,102.50

37,000.00 244.20 - - 185.00 59.20 - 11,840.00 - 48,840.00 48,840.00 1,133.10

38,000.00 250.80 - - 190.00 60.80 - 12,160.00 - 50,160.00 50,160.00 1,163.70

39,000.00 257.40 - - 195.00 62.40 - 12,480.00 - 51,480.00 51,480.00 1,194.30

40,000.00 264.00 - - 200.00 64.00 - 12,800.00 - 52,800.00 52,800.00 1,225.00

41,000.00 270.60 - - 205.00 65.60 - 13,120.00 - 54,120.00 54,120.00 1,255.60

42,000.00 277.20 - - 210.00 67.20 - 13,440.00 - 55,440.00 55,440.00 1,286.20

43,000.00 283.80 - - 215.00 68.80 - 13,760.00 - 56,760.00 56,760.00 1,316.80

44,000.00 290.40 - - 220.00 70.40 - 14,080.00 - 58,080.00 58,080.00 1,347.50

45,000.00 297.00 - - 225.00 72.00 - 14,400.00 - 59,400.00 59,400.00 1,378.10



6.4.5a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/200) 4(tahun) j k (a+h) m*0.0058*
- 4(tahun)

abcde f gh mn

46,000.00 303.60 - - 230.00 73.60 - 14,720.00 60,720.00 60,720.00 1,408.70

47,000.00 310.20 - - 235.00 75.20 - 15,040.00 - 62,040.00 62,040.00 1,439.30

48,000.00 316.80 - - 240.00 76.80 - 15,360.00 - 63,360.00 63,360.00 1,470.00

49,000.00 323.40 - - 245.00 78.40 - 15,680.00 - 64,680.00 64,680.00 1,500.60

50,000.00 330.00 - - 250.00 80.00 - 16,000.00 - 66,000.00 66,000.00 1,531.20

6.4.6a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/250) 5(tahun) j k (a+h) m*0.0058*
- 5(tahun)
1,200.00
abcde f gh mn

1,000.00 4.80 - - 4.00 0.80 - 200.00 1,200.00 34.80

2,000.00 9.60 - - 8.00 1.60 - 400.00 - 2,400.00 2,400.00 69.60

3,000.00 14.40 - - 12.00 2.40 - 600.00 - 3,600.00 3,600.00 104.40

4,000.00 19.20 - - 16.00 3.20 - 800.00 - 4,800.00 4,800.00 139.20

5,000.00 24.00 - - 20.00 4.00 - 1,000.00 - 6,000.00 6,000.00 174.00

6,000.00 28.80 - - 24.00 4.80 - 1,200.00 - 7,200.00 7,200.00 208.80

7,000.00 33.60 - - 28.00 5.60 - 1,400.00 - 8,400.00 8,400.00 243.60

8,000.00 38.40 - - 32.00 6.40 - 1,600.00 - 9,600.00 9,600.00 278.40

9,000.00 43.20 - - 36.00 7.20 - 1,800.00 - 10,800.00 10,800.00 313.20

10,000.00 48.00 - - 40.00 8.00 - 2,000.00 - 12,000.00 12,000.00 348.00

11,000.00 52.80 - - 44.00 8.80 - 2,200.00 - 13,200.00 13,200.00 382.80

12,000.00 57.60 - - 48.00 9.60 - 2,400.00 - 14,400.00 14,400.00 417.60

13,000.00 62.40 - - 52.00 10.40 - 2,600.00 - 15,600.00 15,600.00 452.40

14,000.00 67.20 - - 56.00 11.20 - 2,800.00 - 16,800.00 16,800.00 487.20

15,000.00 72.00 - - 60.00 12.00 - 3,000.00 - 18,000.00 18,000.00 522.00



6.4.6a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) SIMPANAN (a+h+j) TAKAFUL
a*(4/100)* KEUNTUNGAN
(k/250) 5(tahun) j k (a+h) m*0.0058*
- 5(tahun)

abcde f gh mn

16,000.00 76.80 - - 64.00 12.80 - 3,200.00 19,200.00 19,200.00 556.80

17,000.00 81.60 - - 68.00 13.60 - 3,400.00 - 20,400.00 20,400.00 591.60

18,000.00 86.40 - - 72.00 14.40 - 3,600.00 - 21,600.00 21,600.00 626.40

19,000.00 91.20 - - 76.00 15.20 - 3,800.00 - 22,800.00 22,800.00 661.20

20,000.00 96.00 - - 80.00 16.00 - 4,000.00 - 24,000.00 24,000.00 696.00

21,000.00 100.80 - - 84.00 16.80 - 4,200.00 - 25,200.00 25,200.00 730.80

22,000.00 105.60 - - 88.00 17.60 - 4,400.00 - 26,400.00 26,400.00 765.60

23,000.00 110.40 - - 92.00 18.40 - 4,600.00 - 27,600.00 27,600.00 800.40

24,000.00 115.20 - - 96.00 19.20 - 4,800.00 - 28,800.00 28,800.00 835.20

25,000.00 120.00 - - 100.00 20.00 - 5,000.00 - 30,000.00 30,000.00 870.00

26,000.00 124.80 - - 104.00 20.80 - 5,200.00 - 31,200.00 31,200.00 904.80

27,000.00 129.60 - - 108.00 21.60 - 5,400.00 - 32,400.00 32,400.00 939.60

28,000.00 134.40 - - 112.00 22.40 - 5,600.00 - 33,600.00 33,600.00 974.40

29,000.00 139.20 - - 116.00 23.20 - 5,800.00 - 34,800.00 34,800.00 1,009.20

30,000.00 144.00 - - 120.00 24.00 - 6,000.00 - 36,000.00 36,000.00 1,044.00

6.4.6a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/250) 5(tahun) j k (a+h) m*0.0058*
- 5(tahun)

abcde f gh mn

31,000.00 173.60 - - 124.00 49.60 - 12,400.00 43,400.00 43,400.00 1,258.60

32,000.00 179.20 - - 128.00 51.20 - 12,800.00 - 44,800.00 44,800.00 1,299.20

33,000.00 184.80 - - 132.00 52.80 - 13,200.00 - 46,200.00 46,200.00 1,339.80

34,000.00 190.40 - - 136.00 54.40 - 13,600.00 - 47,600.00 47,600.00 1,380.40

35,000.00 196.00 - - 140.00 56.00 - 14,000.00 - 49,000.00 49,000.00 1,421.00

36,000.00 201.60 - - 144.00 57.60 - 14,400.00 - 50,400.00 50,400.00 1,461.60

37,000.00 207.20 - - 148.00 59.20 - 14,800.00 - 51,800.00 51,800.00 1,502.20

38,000.00 212.80 - - 152.00 60.80 - 15,200.00 - 53,200.00 53,200.00 1,542.80

39,000.00 218.40 - - 156.00 62.40 - 15,600.00 - 54,600.00 54,600.00 1,583.40

40,000.00 224.00 - - 160.00 64.00 - 16,000.00 - 56,000.00 56,000.00 1,624.00

41,000.00 229.60 - - 164.00 65.60 - 16,400.00 - 57,400.00 57,400.00 1,664.60

42,000.00 235.20 - - 168.00 67.20 - 16,800.00 - 58,800.00 58,800.00 1,705.20

43,000.00 240.80 - - 172.00 68.80 - 17,200.00 - 60,200.00 60,200.00 1,745.80

44,000.00 246.40 - - 176.00 70.40 - 17,600.00 - 61,600.00 61,600.00 1,786.40

45,000.00 252.00 - - 180.00 72.00 - 18,000.00 - 63,000.00 63,000.00 1,827.00



6.4.6a Jadual Bayaran Ansuran Skim Pembiayaan Go Digital bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH TAKAFUL
KADAR PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN JUMLAH BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) SIMPANAN (a+h+j) TAKAFUL
a*(8/100)* KEUNTUNGAN
(k/250) 5(tahun) j k (a+h) m*0.0058*
- 5(tahun)

abcde f gh mn

46,000.00 257.60 - - 184.00 73.60 - 18,400.00 64,400.00 64,400.00 1,867.60

47,000.00 263.20 - - 188.00 75.20 - 18,800.00 - 65,800.00 65,800.00 1,908.20

48,000.00 268.80 - - 192.00 76.80 - 19,200.00 - 67,200.00 67,200.00 1,948.80

49,000.00 274.40 - - 196.00 78.40 - 19,600.00 - 68,600.00 68,600.00 1,989.40

50,000.00 280.00 - - 200.00 80.00 - 20,000.00 - 70,000.00 70,000.00 2,030.00

SKIM PEMBIAYAAN i-LESTARI
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 8% setahun

6.5.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) (k/12) (k/1) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

51,000.00 1,165.35 1,165.35 58,267.50 1,020.00 81.60 63.75 4,080.00 3,187.50 58,267.50 55,080.00 319.50

52,000.00 1,188.20 1,188.20 59,410.00 1,040.00 83.20 65.00 4,160.00 3,250.00 59,410.00 56,160.00 325.70

53,000.00 1,211.05 1,211.05 60,552.50 1,060.00 84.80 66.25 4,240.00 3,312.50 60,552.50 57,240.00 332.00

54,000.00 1,233.90 1,233.90 61,695.00 1,080.00 86.40 67.50 4,320.00 3,375.00 61,695.00 58,320.00 338.30

55,000.00 1,256.75 1,256.75 62,837.50 1,100.00 88.00 68.75 4,400.00 3,437.50 62,837.50 59,400.00 344.50

56,000.00 1,279.60 1,279.60 63,980.00 1,120.00 89.60 70.00 4,480.00 3,500.00 63,980.00 60,480.00 350.80

57,000.00 1,302.45 1,302.45 65,122.50 1,140.00 91.20 71.25 4,560.00 3,562.50 65,122.50 61,560.00 357.00

58,000.00 1,325.30 1,325.30 66,265.00 1,160.00 92.80 72.50 4,640.00 3,625.00 66,265.00 62,640.00 363.30

59,000.00 1,348.15 1,348.15 67,407.50 1,180.00 94.40 73.75 4,720.00 3,687.50 67,407.50 63,720.00 369.60

60,000.00 1,371.00 1,371.00 68,550.00 1,200.00 96.00 75.00 4,800.00 3,750.00 68,550.00 64,800.00 375.80

61,000.00 1,393.85 1,393.85 69,692.50 1,220.00 97.60 76.25 4,880.00 3,812.50 69,692.50 65,880.00 382.10

62,000.00 1,416.70 1,416.70 70,835.00 1,240.00 99.20 77.50 4,960.00 3,875.00 70,835.00 66,960.00 388.40

63,000.00 1,439.55 1,439.55 71,977.50 1,260.00 100.80 78.75 5,040.00 3,937.50 71,977.50 68,040.00 394.60

64,000.00 1,462.40 1,462.40 73,120.00 1,280.00 102.40 80.00 5,120.00 4,000.00 73,120.00 69,120.00 400.90

65,000.00 1,485.25 1,485.25 74,262.50 1,300.00 104.00 81.25 5,200.00 4,062.50 74,262.50 70,200.00 407.20



6.5.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) (k/12) (k/1) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

66,000.00 1,508.10 6,283.75 75,405.00 1,320.00 105.60 82.50 5,280.00 4,125.00 75,405.00 71,280.00 413.40

67,000.00 1,530.95 6,378.96 76,547.50 1,340.00 107.20 83.75 5,360.00 4,187.50 76,547.50 72,360.00 419.70

68,000.00 1,553.80 6,474.17 77,690.00 1,360.00 108.80 85.00 5,440.00 4,250.00 77,690.00 73,440.00 426.00

69,000.00 1,576.65 6,569.38 78,832.50 1,380.00 110.40 86.25 5,520.00 4,312.50 78,832.50 74,520.00 432.20

70,000.00 1,599.50 6,664.58 79,975.00 1,400.00 112.00 87.50 5,600.00 4,375.00 79,975.00 75,600.00 438.50

71,000.00 1,622.35 6,759.79 81,117.50 1,420.00 113.60 88.75 5,680.00 4,437.50 81,117.50 76,680.00 444.70

72,000.00 1,645.20 6,855.00 82,260.00 1,440.00 115.20 90.00 5,760.00 4,500.00 82,260.00 77,760.00 451.00

73,000.00 1,668.05 6,950.21 83,402.50 1,460.00 116.80 91.25 5,840.00 4,562.50 83,402.50 78,840.00 457.30

74,000.00 1,690.90 7,045.42 84,545.00 1,480.00 118.40 92.50 5,920.00 4,625.00 84,545.00 79,920.00 463.50

75,000.00 1,713.75 7,140.63 85,687.50 1,500.00 120.00 93.75 6,000.00 4,687.50 85,687.50 81,000.00 469.80

76,000.00 1,736.60 7,235.83 86,830.00 1,520.00 121.60 95.00 6,080.00 4,750.00 86,830.00 82,080.00 476.10

77,000.00 1,759.45 7,331.04 87,972.50 1,540.00 123.20 96.25 6,160.00 4,812.50 87,972.50 83,160.00 482.30

78,000.00 1,782.30 7,426.25 89,115.00 1,560.00 124.80 97.50 6,240.00 4,875.00 89,115.00 84,240.00 488.60

79,000.00 1,805.15 7,521.46 90,257.50 1,580.00 126.40 98.75 6,320.00 4,937.50 90,257.50 85,320.00 494.90

80,000.00 1,828.00 7,616.67 91,400.00 1,600.00 128.00 100.00 6,400.00 5,000.00 91,400.00 86,400.00 501.10

6.5.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) (k/12) (k/1) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

81,000.00 1,850.85 7,711.88 92,542.50 1,620.00 129.60 101.25 6,480.00 5,062.50 92,542.50 87,480.00 507.40

82,000.00 1,873.70 7,807.08 93,685.00 1,640.00 131.20 102.50 6,560.00 5,125.00 93,685.00 88,560.00 513.60

83,000.00 1,896.55 7,902.29 94,827.50 1,660.00 132.80 103.75 6,640.00 5,187.50 94,827.50 89,640.00 519.90

84,000.00 1,919.40 7,997.50 95,970.00 1,680.00 134.40 105.00 6,720.00 5,250.00 95,970.00 90,720.00 526.20

85,000.00 1,942.25 8,092.71 97,112.50 1,700.00 136.00 106.25 6,800.00 5,312.50 97,112.50 91,800.00 532.40

86,000.00 1,965.10 8,187.92 98,255.00 1,720.00 137.60 107.50 6,880.00 5,375.00 98,255.00 92,880.00 538.70

87,000.00 1,987.95 8,283.13 99,397.50 1,740.00 139.20 108.75 6,960.00 5,437.50 99,397.50 93,960.00 545.00

88,000.00 2,010.80 8,378.33 100,540.00 1,760.00 140.80 110.00 7,040.00 5,500.00 100,540.00 95,040.00 551.20

89,000.00 2,033.65 8,473.54 101,682.50 1,780.00 142.40 111.25 7,120.00 5,562.50 101,682.50 96,120.00 557.50

90,000.00 2,056.50 8,568.75 102,825.00 1,800.00 144.00 112.50 7,200.00 5,625.00 102,825.00 97,200.00 563.80

91,000.00 2,079.35 8,663.96 103,967.50 1,820.00 145.60 113.75 7,280.00 5,687.50 103,967.50 98,280.00 570.00

92,000.00 2,102.20 8,759.17 105,110.00 1,840.00 147.20 115.00 7,360.00 5,750.00 105,110.00 99,360.00 576.30

93,000.00 2,125.05 8,854.38 106,252.50 1,860.00 148.80 116.25 7,440.00 5,812.50 106,252.50 100,440.00 582.60

94,000.00 2,147.90 8,949.58 107,395.00 1,880.00 150.40 117.50 7,520.00 5,875.00 107,395.00 101,520.00 588.80

95,000.00 2,170.75 9,044.79 108,537.50 1,900.00 152.00 118.75 7,600.00 5,937.50 108,537.50 102,600.00 595.10



6.5.1 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 50 Minggu (1 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/50) (h/50) (j/50) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 50 KEUNTUNGAN
(k/50) (k/12) (k/1) 1(tahun) k (a+h) m*0.0058*
1(tahun)

abcde f gh j mn

96,000.00 2,193.60 9,140.00 109,680.00 1,920.00 153.60 120.00 7,680.00 6,000.00 109,680.00 103,680.00 601.30

97,000.00 2,216.45 9,235.21 110,822.50 1,940.00 155.20 121.25 7,760.00 6,062.50 110,822.50 104,760.00 607.60

98,000.00 2,239.30 9,330.42 111,965.00 1,960.00 156.80 122.50 7,840.00 6,125.00 111,965.00 105,840.00 613.90

99,000.00 2,262.15 9,425.63 113,107.50 1,980.00 158.40 123.75 7,920.00 6,187.50 113,107.50 106,920.00 620.10

100,000.00 2,285.00 9,520.83 114,250.00 2,000.00 160.00 125.00 8,000.00 6,250.00 114,250.00 108,000.00 626.40

6.5.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) (k/24) (k/1) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

51,000.00 655.35 2,730.63 65,535.00 510.00 81.60 63.75 8,160.00 6,375.00 65,535.00 59,160.00 686.30

52,000.00 668.20 2,784.17 66,820.00 520.00 83.20 65.00 8,320.00 6,500.00 66,820.00 60,320.00 699.70

53,000.00 681.05 2,837.71 68,105.00 530.00 84.80 66.25 8,480.00 6,625.00 68,105.00 61,480.00 713.20

54,000.00 693.90 2,891.25 69,390.00 540.00 86.40 67.50 8,640.00 6,750.00 69,390.00 62,640.00 726.60

55,000.00 706.75 2,944.79 70,675.00 550.00 88.00 68.75 8,800.00 6,875.00 70,675.00 63,800.00 740.10

56,000.00 719.60 2,998.33 71,960.00 560.00 89.60 70.00 8,960.00 7,000.00 71,960.00 64,960.00 753.50

57,000.00 732.45 3,051.88 73,245.00 570.00 91.20 71.25 9,120.00 7,125.00 73,245.00 66,120.00 767.00

58,000.00 745.30 3,105.42 74,530.00 580.00 92.80 72.50 9,280.00 7,250.00 74,530.00 67,280.00 780.40

59,000.00 758.15 3,158.96 75,815.00 590.00 94.40 73.75 9,440.00 7,375.00 75,815.00 68,440.00 793.90

60,000.00 771.00 3,212.50 77,100.00 600.00 96.00 75.00 9,600.00 7,500.00 77,100.00 69,600.00 807.40

61,000.00 783.85 3,266.04 78,385.00 610.00 97.60 76.25 9,760.00 7,625.00 78,385.00 70,760.00 820.80

62,000.00 796.70 3,319.58 79,670.00 620.00 99.20 77.50 9,920.00 7,750.00 79,670.00 71,920.00 834.30

63,000.00 809.55 3,373.13 80,955.00 630.00 100.80 78.75 10,080.00 7,875.00 80,955.00 73,080.00 847.70

64,000.00 822.40 3,426.67 82,240.00 640.00 102.40 80.00 10,240.00 8,000.00 82,240.00 74,240.00 861.20

65,000.00 835.25 3,480.21 83,525.00 650.00 104.00 81.25 10,400.00 8,125.00 83,525.00 75,400.00 874.60



6.5.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) (k/24) (k/1) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

66,000.00 848.10 3,533.75 84,810.00 660.00 105.60 82.50 10,560.00 8,250.00 84,810.00 76,560.00 888.10

67,000.00 860.95 3,587.29 86,095.00 670.00 107.20 83.75 10,720.00 8,375.00 86,095.00 77,720.00 901.60

68,000.00 873.80 3,640.83 87,380.00 680.00 108.80 85.00 10,880.00 8,500.00 87,380.00 78,880.00 915.00

69,000.00 886.65 3,694.38 88,665.00 690.00 110.40 86.25 11,040.00 8,625.00 88,665.00 80,040.00 928.50

70,000.00 899.50 3,747.92 89,950.00 700.00 112.00 87.50 11,200.00 8,750.00 89,950.00 81,200.00 941.90

71,000.00 912.35 3,801.46 91,235.00 710.00 113.60 88.75 11,360.00 8,875.00 91,235.00 82,360.00 955.40

72,000.00 925.20 3,855.00 92,520.00 720.00 115.20 90.00 11,520.00 9,000.00 92,520.00 83,520.00 968.80

73,000.00 938.05 3,908.54 93,805.00 730.00 116.80 91.25 11,680.00 9,125.00 93,805.00 84,680.00 982.30

74,000.00 950.90 3,962.08 95,090.00 740.00 118.40 92.50 11,840.00 9,250.00 95,090.00 85,840.00 995.70

75,000.00 963.75 4,015.63 96,375.00 750.00 120.00 93.75 12,000.00 9,375.00 96,375.00 87,000.00 1,009.20

76,000.00 976.60 4,069.17 97,660.00 760.00 121.60 95.00 12,160.00 9,500.00 97,660.00 88,160.00 1,022.70

77,000.00 989.45 4,122.71 98,945.00 770.00 123.20 96.25 12,320.00 9,625.00 98,945.00 89,320.00 1,036.10

78,000.00 1,002.30 4,176.25 100,230.00 780.00 124.80 97.50 12,480.00 9,750.00 100,230.00 90,480.00 1,049.60

79,000.00 1,015.15 4,229.79 101,515.00 790.00 126.40 98.75 12,640.00 9,875.00 101,515.00 91,640.00 1,063.00

80,000.00 1,028.00 4,283.33 102,800.00 800.00 128.00 100.00 12,800.00 10,000.00 102,800.00 92,800.00 1,076.50

6.5.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) (k/24) (k/1) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

81,000.00 1,040.85 4,336.88 104,085.00 810.00 129.60 101.25 12,960.00 10,125.00 104,085.00 93,960.00 1,089.90

82,000.00 1,053.70 4,390.42 105,370.00 820.00 131.20 102.50 13,120.00 10,250.00 105,370.00 95,120.00 1,103.40

83,000.00 1,066.55 4,443.96 106,655.00 830.00 132.80 103.75 13,280.00 10,375.00 106,655.00 96,280.00 1,116.80

84,000.00 1,079.40 4,497.50 107,940.00 840.00 134.40 105.00 13,440.00 10,500.00 107,940.00 97,440.00 1,130.30

85,000.00 1,092.25 4,551.04 109,225.00 850.00 136.00 106.25 13,600.00 10,625.00 109,225.00 98,600.00 1,143.80

86,000.00 1,105.10 4,604.58 110,510.00 860.00 137.60 107.50 13,760.00 10,750.00 110,510.00 99,760.00 1,157.20

87,000.00 1,117.95 4,658.13 111,795.00 870.00 139.20 108.75 13,920.00 10,875.00 111,795.00 100,920.00 1,170.70

88,000.00 1,130.80 4,711.67 113,080.00 880.00 140.80 110.00 14,080.00 11,000.00 113,080.00 102,080.00 1,184.10

89,000.00 1,143.65 4,765.21 114,365.00 890.00 142.40 111.25 14,240.00 11,125.00 114,365.00 103,240.00 1,197.60

90,000.00 1,156.50 4,818.75 115,650.00 900.00 144.00 112.50 14,400.00 11,250.00 115,650.00 104,400.00 1,211.00

91,000.00 1,169.35 4,872.29 116,935.00 910.00 145.60 113.75 14,560.00 11,375.00 116,935.00 105,560.00 1,224.50

92,000.00 1,182.20 4,925.83 118,220.00 920.00 147.20 115.00 14,720.00 11,500.00 118,220.00 106,720.00 1,238.00

93,000.00 1,195.05 4,979.38 119,505.00 930.00 148.80 116.25 14,880.00 11,625.00 119,505.00 107,880.00 1,251.40

94,000.00 1,207.90 5,032.92 120,790.00 940.00 150.40 117.50 15,040.00 11,750.00 120,790.00 109,040.00 1,264.90

95,000.00 1,220.75 5,086.46 122,075.00 950.00 152.00 118.75 15,200.00 11,875.00 122,075.00 110,200.00 1,278.30



6.5.2 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 100 Minggu (2 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/100) (h/100) (j/100) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 100 KEUNTUNGAN
(k/100) (k/24) (k/1) 2(tahun) k (a+h) m*0.0058*
2(tahun)

abcde f gh j mn

96,000.00 1,233.60 5,140.00 123,360.00 960.00 153.60 120.00 15,360.00 12,000.00 123,360.00 111,360.00 1,291.80

97,000.00 1,246.45 5,193.54 124,645.00 970.00 155.20 121.25 15,520.00 12,125.00 124,645.00 112,520.00 1,305.20

98,000.00 1,259.30 5,247.08 125,930.00 980.00 156.80 122.50 15,680.00 12,250.00 125,930.00 113,680.00 1,318.70

99,000.00 1,272.15 5,300.63 127,215.00 990.00 158.40 123.75 15,840.00 12,375.00 127,215.00 114,840.00 1,332.10

100,000.00 1,285.00 5,354.17 128,500.00 1,000.00 160.00 125.00 16,000.00 12,500.00 128,500.00 116,000.00 1,345.60

6.5.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) (k/36) (k/1) 3(tahun) k (a+h) m*0.0058*
3(tahun)

abcde f gh j mn

51,000.00 485.35 2,022.29 72,802.50 340.00 81.60 63.75 12,240.00 9,562.50 72,802.50 63,240.00 1,100.40

52,000.00 494.87 2,061.94 74,230.00 346.67 83.20 65.00 12,480.00 9,750.00 74,230.00 64,480.00 1,122.00

53,000.00 504.38 2,101.60 75,657.50 353.33 84.80 66.25 12,720.00 9,937.50 75,657.50 65,720.00 1,143.50

54,000.00 513.90 2,141.25 77,085.00 360.00 86.40 67.50 12,960.00 10,125.00 77,085.00 66,960.00 1,165.10

55,000.00 523.42 2,180.90 78,512.50 366.67 88.00 68.75 13,200.00 10,312.50 78,512.50 68,200.00 1,186.70

56,000.00 532.93 2,220.56 79,940.00 373.33 89.60 70.00 13,440.00 10,500.00 79,940.00 69,440.00 1,208.30

57,000.00 542.45 2,260.21 81,367.50 380.00 91.20 71.25 13,680.00 10,687.50 81,367.50 70,680.00 1,229.80

58,000.00 551.97 2,299.86 82,795.00 386.67 92.80 72.50 13,920.00 10,875.00 82,795.00 71,920.00 1,251.40

59,000.00 561.48 2,339.51 84,222.50 393.33 94.40 73.75 14,160.00 11,062.50 84,222.50 73,160.00 1,273.00

60,000.00 571.00 2,379.17 85,650.00 400.00 96.00 75.00 14,400.00 11,250.00 85,650.00 74,400.00 1,294.60

61,000.00 580.52 2,418.82 87,077.50 406.67 97.60 76.25 14,640.00 11,437.50 87,077.50 75,640.00 1,316.10

62,000.00 590.03 2,458.47 88,505.00 413.33 99.20 77.50 14,880.00 11,625.00 88,505.00 76,880.00 1,337.70

63,000.00 599.55 2,498.13 89,932.50 420.00 100.80 78.75 15,120.00 11,812.50 89,932.50 78,120.00 1,359.30

64,000.00 609.07 2,537.78 91,360.00 426.67 102.40 80.00 15,360.00 12,000.00 91,360.00 79,360.00 1,380.90

65,000.00 618.58 2,577.43 92,787.50 433.33 104.00 81.25 15,600.00 12,187.50 92,787.50 80,600.00 1,402.40



6.5.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) (k/36) (k/1) 3(tahun) k (a+h) m*0.0058*
3(tahun)

abcde f gh j mn

66,000.00 628.10 2,617.08 94,215.00 440.00 105.60 82.50 15,840.00 12,375.00 94,215.00 81,840.00 1,424.00

67,000.00 637.62 2,656.74 95,642.50 446.67 107.20 83.75 16,080.00 12,562.50 95,642.50 83,080.00 1,445.60

68,000.00 647.13 2,696.39 97,070.00 453.33 108.80 85.00 16,320.00 12,750.00 97,070.00 84,320.00 1,467.20

69,000.00 656.65 2,736.04 98,497.50 460.00 110.40 86.25 16,560.00 12,937.50 98,497.50 85,560.00 1,488.70

70,000.00 666.17 2,775.69 99,925.00 466.67 112.00 87.50 16,800.00 13,125.00 99,925.00 86,800.00 1,510.30

71,000.00 675.68 2,815.35 101,352.50 473.33 113.60 88.75 17,040.00 13,312.50 101,352.50 88,040.00 1,531.90

72,000.00 685.20 2,855.00 102,780.00 480.00 115.20 90.00 17,280.00 13,500.00 102,780.00 89,280.00 1,553.50

73,000.00 694.72 2,894.65 104,207.50 486.67 116.80 91.25 17,520.00 13,687.50 104,207.50 90,520.00 1,575.00

74,000.00 704.23 2,934.31 105,635.00 493.33 118.40 92.50 17,760.00 13,875.00 105,635.00 91,760.00 1,596.60

75,000.00 713.75 2,973.96 107,062.50 500.00 120.00 93.75 18,000.00 14,062.50 107,062.50 93,000.00 1,618.20

76,000.00 723.27 3,013.61 108,490.00 506.67 121.60 95.00 18,240.00 14,250.00 108,490.00 94,240.00 1,639.80

77,000.00 732.78 3,053.26 109,917.50 513.33 123.20 96.25 18,480.00 14,437.50 109,917.50 95,480.00 1,661.40

78,000.00 742.30 3,092.92 111,345.00 520.00 124.80 97.50 18,720.00 14,625.00 111,345.00 96,720.00 1,682.90

79,000.00 751.82 3,132.57 112,772.50 526.67 126.40 98.75 18,960.00 14,812.50 112,772.50 97,960.00 1,704.50

80,000.00 761.33 3,172.22 114,200.00 533.33 128.00 100.00 19,200.00 15,000.00 114,200.00 99,200.00 1,726.10

6.5.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) (k/36) (k/1) 3(tahun) k (a+h) m*0.0058*
3(tahun)

abcde f gh j mn

81,000.00 770.85 3,211.88 115,627.50 540.00 129.60 101.25 19,440.00 15,187.50 115,627.50 100,440.00 1,747.70

82,000.00 780.37 3,251.53 117,055.00 546.67 131.20 102.50 19,680.00 15,375.00 117,055.00 101,680.00 1,769.20

83,000.00 789.88 3,291.18 118,482.50 553.33 132.80 103.75 19,920.00 15,562.50 118,482.50 102,920.00 1,790.80

84,000.00 799.40 3,330.83 119,910.00 560.00 134.40 105.00 20,160.00 15,750.00 119,910.00 104,160.00 1,812.40

85,000.00 808.92 3,370.49 121,337.50 566.67 136.00 106.25 20,400.00 15,937.50 121,337.50 105,400.00 1,834.00

86,000.00 818.43 3,410.14 122,765.00 573.33 137.60 107.50 20,640.00 16,125.00 122,765.00 106,640.00 1,855.50

87,000.00 827.95 3,449.79 124,192.50 580.00 139.20 108.75 20,880.00 16,312.50 124,192.50 107,880.00 1,877.10

88,000.00 837.47 3,489.44 125,620.00 586.67 140.80 110.00 21,120.00 16,500.00 125,620.00 109,120.00 1,898.70

89,000.00 846.98 3,529.10 127,047.50 593.33 142.40 111.25 21,360.00 16,687.50 127,047.50 110,360.00 1,920.30

90,000.00 856.50 3,568.75 128,475.00 600.00 144.00 112.50 21,600.00 16,875.00 128,475.00 111,600.00 1,941.80

91,000.00 866.02 3,608.40 129,902.50 606.67 145.60 113.75 21,840.00 17,062.50 129,902.50 112,840.00 1,963.40

92,000.00 875.53 3,648.06 131,330.00 613.33 147.20 115.00 22,080.00 17,250.00 131,330.00 114,080.00 1,985.00

93,000.00 885.05 3,687.71 132,757.50 620.00 148.80 116.25 22,320.00 17,437.50 132,757.50 115,320.00 2,006.60

94,000.00 894.57 3,727.36 134,185.00 626.67 150.40 117.50 22,560.00 17,625.00 134,185.00 116,560.00 2,028.10

95,000.00 904.08 3,767.01 135,612.50 633.33 152.00 118.75 22,800.00 17,812.50 135,612.50 117,800.00 2,049.70



6.5.3 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 150 Minggu (3 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/150) (h/150) (j/150) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 150 KEUNTUNGAN
(k/150) (k/36) (k/1) 3(tahun) k (a+h) m*0.0058*
3(tahun)

abcde f gh j mn

96,000.00 913.60 3,806.67 137,040.00 640.00 153.60 120.00 23,040.00 18,000.00 137,040.00 119,040.00 2,071.30

97,000.00 923.12 3,846.32 138,467.50 646.67 155.20 121.25 23,280.00 18,187.50 138,467.50 120,280.00 2,092.90

98,000.00 932.63 3,885.97 139,895.00 653.33 156.80 122.50 23,520.00 18,375.00 139,895.00 121,520.00 2,114.40

99,000.00 942.15 3,925.63 141,322.50 660.00 158.40 123.75 23,760.00 18,562.50 141,322.50 122,760.00 2,136.00

100,000.00 951.67 3,965.28 142,750.00 666.67 160.00 125.00 24,000.00 18,750.00 142,750.00 124,000.00 2,157.60

6.5.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 200 KEUNTUNGAN
(k/200) (k/48) (k/1) 4(tahun) k (a+h) m*0.0058*
4(tahun)

abcde f gh j mn

51,000.00 400.35 1,668.13 80,070.00 255.00 81.60 63.75 16,320.00 12,750.00 80,070.00 67,320.00 1,561.80

52,000.00 408.20 1,700.83 81,640.00 260.00 83.20 65.00 16,640.00 13,000.00 81,640.00 68,640.00 1,592.40

53,000.00 416.05 1,733.54 83,210.00 265.00 84.80 66.25 16,960.00 13,250.00 83,210.00 69,960.00 1,623.10

54,000.00 423.90 1,766.25 84,780.00 270.00 86.40 67.50 17,280.00 13,500.00 84,780.00 71,280.00 1,653.70

55,000.00 431.75 1,798.96 86,350.00 275.00 88.00 68.75 17,600.00 13,750.00 86,350.00 72,600.00 1,684.30

56,000.00 439.60 1,831.67 87,920.00 280.00 89.60 70.00 17,920.00 14,000.00 87,920.00 73,920.00 1,714.90

57,000.00 447.45 1,864.38 89,490.00 285.00 91.20 71.25 18,240.00 14,250.00 89,490.00 75,240.00 1,745.60

58,000.00 455.30 1,897.08 91,060.00 290.00 92.80 72.50 18,560.00 14,500.00 91,060.00 76,560.00 1,776.20

59,000.00 463.15 1,929.79 92,630.00 295.00 94.40 73.75 18,880.00 14,750.00 92,630.00 77,880.00 1,806.80

60,000.00 471.00 1,962.50 94,200.00 300.00 96.00 75.00 19,200.00 15,000.00 94,200.00 79,200.00 1,837.40

61,000.00 478.85 1,995.21 95,770.00 305.00 97.60 76.25 19,520.00 15,250.00 95,770.00 80,520.00 1,868.10

62,000.00 486.70 2,027.92 97,340.00 310.00 99.20 77.50 19,840.00 15,500.00 97,340.00 81,840.00 1,898.70

63,000.00 494.55 2,060.63 98,910.00 315.00 100.80 78.75 20,160.00 15,750.00 98,910.00 83,160.00 1,929.30

64,000.00 502.40 2,093.33 100,480.00 320.00 102.40 80.00 20,480.00 16,000.00 100,480.00 84,480.00 1,959.90

65,000.00 510.25 2,126.04 102,050.00 325.00 104.00 81.25 20,800.00 16,250.00 102,050.00 85,800.00 1,990.60



6.5.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 200 KEUNTUNGAN
(k/200) (k/48) (k/1) 4(tahun) k (a+h) m*0.0058*
4(tahun)

abcde f gh j mn

66,000.00 518.10 2,158.75 103,620.00 330.00 105.60 82.50 21,120.00 16,500.00 103,620.00 87,120.00 2,021.20

67,000.00 525.95 2,191.46 105,190.00 335.00 107.20 83.75 21,440.00 16,750.00 105,190.00 88,440.00 2,051.80

68,000.00 533.80 2,224.17 106,760.00 340.00 108.80 85.00 21,760.00 17,000.00 106,760.00 89,760.00 2,082.40

69,000.00 541.65 2,256.88 108,330.00 345.00 110.40 86.25 22,080.00 17,250.00 108,330.00 91,080.00 2,113.10

70,000.00 549.50 2,289.58 109,900.00 350.00 112.00 87.50 22,400.00 17,500.00 109,900.00 92,400.00 2,143.70

71,000.00 557.35 2,322.29 111,470.00 355.00 113.60 88.75 22,720.00 17,750.00 111,470.00 93,720.00 2,174.30

72,000.00 565.20 2,355.00 113,040.00 360.00 115.20 90.00 23,040.00 18,000.00 113,040.00 95,040.00 2,204.90

73,000.00 573.05 2,387.71 114,610.00 365.00 116.80 91.25 23,360.00 18,250.00 114,610.00 96,360.00 2,235.60

74,000.00 580.90 2,420.42 116,180.00 370.00 118.40 92.50 23,680.00 18,500.00 116,180.00 97,680.00 2,266.20

75,000.00 588.75 2,453.13 117,750.00 375.00 120.00 93.75 24,000.00 18,750.00 117,750.00 99,000.00 2,296.80

76,000.00 596.60 2,485.83 119,320.00 380.00 121.60 95.00 24,320.00 19,000.00 119,320.00 100,320.00 2,327.40

77,000.00 604.45 2,518.54 120,890.00 385.00 123.20 96.25 24,640.00 19,250.00 120,890.00 101,640.00 2,358.00

78,000.00 612.30 2,551.25 122,460.00 390.00 124.80 97.50 24,960.00 19,500.00 122,460.00 102,960.00 2,388.70

79,000.00 620.15 2,583.96 124,030.00 395.00 126.40 98.75 25,280.00 19,750.00 124,030.00 104,280.00 2,419.30

80,000.00 628.00 2,616.67 125,600.00 400.00 128.00 100.00 25,600.00 20,000.00 125,600.00 105,600.00 2,449.90

6.5.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 200 KEUNTUNGAN
(k/200) (k/48) (k/1) 4(tahun) k (a+h) m*0.0058*
4(tahun)

abcde f gh j mn

81,000.00 635.85 2,649.38 127,170.00 405.00 129.60 101.25 25,920.00 20,250.00 127,170.00 106,920.00 2,480.50

82,000.00 643.70 2,682.08 128,740.00 410.00 131.20 102.50 26,240.00 20,500.00 128,740.00 108,240.00 2,511.20

83,000.00 651.55 2,714.79 130,310.00 415.00 132.80 103.75 26,560.00 20,750.00 130,310.00 109,560.00 2,541.80

84,000.00 659.40 2,747.50 131,880.00 420.00 134.40 105.00 26,880.00 21,000.00 131,880.00 110,880.00 2,572.40

85,000.00 667.25 2,780.21 133,450.00 425.00 136.00 106.25 27,200.00 21,250.00 133,450.00 112,200.00 2,603.00

86,000.00 675.10 2,812.92 135,020.00 430.00 137.60 107.50 27,520.00 21,500.00 135,020.00 113,520.00 2,633.70

87,000.00 682.95 2,845.63 136,590.00 435.00 139.20 108.75 27,840.00 21,750.00 136,590.00 114,840.00 2,664.30

88,000.00 690.80 2,878.33 138,160.00 440.00 140.80 110.00 28,160.00 22,000.00 138,160.00 116,160.00 2,694.90

89,000.00 698.65 2,911.04 139,730.00 445.00 142.40 111.25 28,480.00 22,250.00 139,730.00 117,480.00 2,725.50

90,000.00 706.50 2,943.75 141,300.00 450.00 144.00 112.50 28,800.00 22,500.00 141,300.00 118,800.00 2,756.20

91,000.00 714.35 2,976.46 142,870.00 455.00 145.60 113.75 29,120.00 22,750.00 142,870.00 120,120.00 2,786.80

92,000.00 722.20 3,009.17 144,440.00 460.00 147.20 115.00 29,440.00 23,000.00 144,440.00 121,440.00 2,817.40

93,000.00 730.05 3,041.88 146,010.00 465.00 148.80 116.25 29,760.00 23,250.00 146,010.00 122,760.00 2,848.00

94,000.00 737.90 3,074.58 147,580.00 470.00 150.40 117.50 30,080.00 23,500.00 147,580.00 124,080.00 2,878.70

95,000.00 745.75 3,107.29 149,150.00 475.00 152.00 118.75 30,400.00 23,750.00 149,150.00 125,400.00 2,909.30



6.5.4 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 200 Minggu (4 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/200) (h/200) (j/200) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 200 KEUNTUNGAN
(k/200) (k/48) (k/1) 4(tahun) k (a+h) m*0.0058*
4(tahun)

abcde f gh j mn

96,000.00 753.60 3,140.00 150,720.00 480.00 153.60 120.00 30,720.00 24,000.00 150,720.00 126,720.00 2,939.90

97,000.00 761.45 3,172.71 152,290.00 485.00 155.20 121.25 31,040.00 24,250.00 152,290.00 128,040.00 2,970.50

98,000.00 769.30 3,205.42 153,860.00 490.00 156.80 122.50 31,360.00 24,500.00 153,860.00 129,360.00 3,001.20

99,000.00 777.15 3,238.13 155,430.00 495.00 158.40 123.75 31,680.00 24,750.00 155,430.00 130,680.00 3,031.80

100,000.00 785.00 3,270.83 157,000.00 500.00 160.00 125.00 32,000.00 25,000.00 157,000.00 132,000.00 3,062.40

6.5.5 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 250 KEUNTUNGAN
(k/250) (k/60) (k/1) 5(tahun) k (a+h) m*0.0058*
5(tahun)

abcde f gh j mn

51,000.00 349.35 1,455.63 87,337.50 204.00 81.60 63.75 20,400.00 15,937.50 87,337.50 71,400.00 2,070.60

52,000.00 356.20 1,484.17 89,050.00 208.00 83.20 65.00 20,800.00 16,250.00 89,050.00 72,800.00 2,111.20

53,000.00 363.05 1,512.71 90,762.50 212.00 84.80 66.25 21,200.00 16,562.50 90,762.50 74,200.00 2,151.80

54,000.00 369.90 1,541.25 92,475.00 216.00 86.40 67.50 21,600.00 16,875.00 92,475.00 75,600.00 2,192.40

55,000.00 376.75 1,569.79 94,187.50 220.00 88.00 68.75 22,000.00 17,187.50 94,187.50 77,000.00 2,233.00

56,000.00 383.60 1,598.33 95,900.00 224.00 89.60 70.00 22,400.00 17,500.00 95,900.00 78,400.00 2,273.60

57,000.00 390.45 1,626.88 97,612.50 228.00 91.20 71.25 22,800.00 17,812.50 97,612.50 79,800.00 2,314.20

58,000.00 397.30 1,655.42 99,325.00 232.00 92.80 72.50 23,200.00 18,125.00 99,325.00 81,200.00 2,354.80

59,000.00 404.15 1,683.96 101,037.50 236.00 94.40 73.75 23,600.00 18,437.50 101,037.50 82,600.00 2,395.40

60,000.00 411.00 1,712.50 102,750.00 240.00 96.00 75.00 24,000.00 18,750.00 102,750.00 84,000.00 2,436.00

61,000.00 417.85 1,741.04 104,462.50 244.00 97.60 76.25 24,400.00 19,062.50 104,462.50 85,400.00 2,476.60

62,000.00 424.70 1,769.58 106,175.00 248.00 99.20 77.50 24,800.00 19,375.00 106,175.00 86,800.00 2,517.20

63,000.00 431.55 1,798.13 107,887.50 252.00 100.80 78.75 25,200.00 19,687.50 107,887.50 88,200.00 2,557.80

64,000.00 438.40 1,826.67 109,600.00 256.00 102.40 80.00 25,600.00 20,000.00 109,600.00 89,600.00 2,598.40

65,000.00 445.25 1,855.21 111,312.50 260.00 104.00 81.25 26,000.00 20,312.50 111,312.50 91,000.00 2,639.00



6.5.5 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 250 KEUNTUNGAN
(k/250) (k/60) (k/1) 5(tahun) k (a+h) m*0.0058*
5(tahun)

abcde f gh j mn

66,000.00 452.10 1,883.75 113,025.00 264.00 105.60 82.50 26,400.00 20,625.00 113,025.00 92,400.00 2,679.60

67,000.00 458.95 1,912.29 114,737.50 268.00 107.20 83.75 26,800.00 20,937.50 114,737.50 93,800.00 2,720.20

68,000.00 465.80 1,940.83 116,450.00 272.00 108.80 85.00 27,200.00 21,250.00 116,450.00 95,200.00 2,760.80

69,000.00 472.65 1,969.38 118,162.50 276.00 110.40 86.25 27,600.00 21,562.50 118,162.50 96,600.00 2,801.40

70,000.00 479.50 1,997.92 119,875.00 280.00 112.00 87.50 28,000.00 21,875.00 119,875.00 98,000.00 2,842.00

71,000.00 486.35 2,026.46 121,587.50 284.00 113.60 88.75 28,400.00 22,187.50 121,587.50 99,400.00 2,882.60

72,000.00 493.20 2,055.00 123,300.00 288.00 115.20 90.00 28,800.00 22,500.00 123,300.00 100,800.00 2,923.20

73,000.00 500.05 2,083.54 125,012.50 292.00 116.80 91.25 29,200.00 22,812.50 125,012.50 102,200.00 2,963.80

74,000.00 506.90 2,112.08 126,725.00 296.00 118.40 92.50 29,600.00 23,125.00 126,725.00 103,600.00 3,004.40

75,000.00 513.75 2,140.63 128,437.50 300.00 120.00 93.75 30,000.00 23,437.50 128,437.50 105,000.00 3,045.00

76,000.00 520.60 2,169.17 130,150.00 304.00 121.60 95.00 30,400.00 23,750.00 130,150.00 106,400.00 3,085.60

77,000.00 527.45 2,197.71 131,862.50 308.00 123.20 96.25 30,800.00 24,062.50 131,862.50 107,800.00 3,126.20

78,000.00 534.30 2,226.25 133,575.00 312.00 124.80 97.50 31,200.00 24,375.00 133,575.00 109,200.00 3,166.80

79,000.00 541.15 2,254.79 135,287.50 316.00 126.40 98.75 31,600.00 24,687.50 135,287.50 110,600.00 3,207.40

80,000.00 548.00 2,283.33 137,000.00 320.00 128.00 100.00 32,000.00 25,000.00 137,000.00 112,000.00 3,248.00

6.5.5 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 250 KEUNTUNGAN
(k/250) (k/60) (k/1) 5(tahun) k (a+h) m*0.0058*
5(tahun)

abcde f gh j mn

81,000.00 554.85 2,311.88 138,712.50 324.00 129.60 101.25 32,400.00 25,312.50 138,712.50 113,400.00 3,288.60

82,000.00 561.70 2,340.42 140,425.00 328.00 131.20 102.50 32,800.00 25,625.00 140,425.00 114,800.00 3,329.20

83,000.00 568.55 2,368.96 142,137.50 332.00 132.80 103.75 33,200.00 25,937.50 142,137.50 116,200.00 3,369.80

84,000.00 575.40 2,397.50 143,850.00 336.00 134.40 105.00 33,600.00 26,250.00 143,850.00 117,600.00 3,410.40

85,000.00 582.25 2,426.04 145,562.50 340.00 136.00 106.25 34,000.00 26,562.50 145,562.50 119,000.00 3,451.00

86,000.00 589.10 2,454.58 147,275.00 344.00 137.60 107.50 34,400.00 26,875.00 147,275.00 120,400.00 3,491.60

87,000.00 595.95 2,483.13 148,987.50 348.00 139.20 108.75 34,800.00 27,187.50 148,987.50 121,800.00 3,532.20

88,000.00 602.80 2,511.67 150,700.00 352.00 140.80 110.00 35,200.00 27,500.00 150,700.00 123,200.00 3,572.80

89,000.00 609.65 2,540.21 152,412.50 356.00 142.40 111.25 35,600.00 27,812.50 152,412.50 124,600.00 3,613.40

90,000.00 616.50 2,568.75 154,125.00 360.00 144.00 112.50 36,000.00 28,125.00 154,125.00 126,000.00 3,654.00

91,000.00 623.35 2,597.29 155,837.50 364.00 145.60 113.75 36,400.00 28,437.50 155,837.50 127,400.00 3,694.60

92,000.00 630.20 2,625.83 157,550.00 368.00 147.20 115.00 36,800.00 28,750.00 157,550.00 128,800.00 3,735.20

93,000.00 637.05 2,654.38 159,262.50 372.00 148.80 116.25 37,200.00 29,062.50 159,262.50 130,200.00 3,775.80

94,000.00 643.90 2,682.92 160,975.00 376.00 150.40 117.50 37,600.00 29,375.00 160,975.00 131,600.00 3,816.40

95,000.00 650.75 2,711.46 162,687.50 380.00 152.00 118.75 38,000.00 29,687.50 162,687.50 133,000.00 3,857.00



6.5.5 Jadual Bayaran Ansuran Skim Pembiayaan i-Lestari bagi tempoh 250 Minggu (5 Tahun)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN BAYAR POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/250) (h/250) (j/250) a*(0.125/100)* (a+h+j) TAKAFUL
a*(8/100)* 250 KEUNTUNGAN
(k/250) (k/60) (k/1) 5(tahun) k (a+h) m*0.0058*
5(tahun)

abcde f gh j mn

96,000.00 657.60 2,740.00 164,400.00 384.00 153.60 120.00 38,400.00 30,000.00 164,400.00 134,400.00 3,897.60

97,000.00 664.45 2,768.54 166,112.50 388.00 155.20 121.25 38,800.00 30,312.50 166,112.50 135,800.00 3,938.20

98,000.00 671.30 2,797.08 167,825.00 392.00 156.80 122.50 39,200.00 30,625.00 167,825.00 137,200.00 3,978.80

99,000.00 678.15 2,825.63 169,537.50 396.00 158.40 123.75 39,600.00 30,937.50 169,537.50 138,600.00 4,019.40

100,000.00 685.00 2,854.17 171,250.00 400.00 160.00 125.00 40,000.00 31,250.00 171,250.00 140,000.00 4,060.00

SKIM PEMBIAYAAN i-AGRO (PERTANIAN)
JADUAL BAYARAN ANSURAN DAN JADUAL TAKAFUL
Berdasarkan kadar keuntungan 4% setahun bagi
pembiayaan RM30,000 ke bawah

6.6.1a Jadual Bayaran Ansuran Skim Pembiayaan i-Agro (Pertanian) bagi tempoh 25 Minggu + 12 Minggu (6 + 3 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* BAYAR TAKAFUL
a*(4/100)* 25 (a+h+j) KEUNTUNGAN
(k/25) (k/6) (k/1) 0.75(tahun) (a+h) m*0.0058*
1(tahun)

abcde f gh j k mn

1,000.00 43.70 182.08 - 40.00 1.20 2.50 30.00 62.50 1,092.50 1,040.00 6.00

2,000.00 87.40 364.17 - 80.00 2.40 5.00 60.00 125.00 2,185.00 2,080.00 12.10

3,000.00 131.10 546.25 - 120.00 3.60 7.50 90.00 187.50 3,277.50 3,120.00 18.10

4,000.00 174.80 728.33 - 160.00 4.80 10.00 120.00 250.00 4,370.00 4,160.00 24.10

5,000.00 218.50 910.42 - 200.00 6.00 12.50 150.00 312.50 5,462.50 5,200.00 30.20

6,000.00 262.20 1,092.50 - 240.00 7.20 15.00 180.00 375.00 6,555.00 6,240.00 36.20

7,000.00 305.90 1,274.58 - 280.00 8.40 17.50 210.00 437.50 7,647.50 7,280.00 42.20

8,000.00 349.60 1,456.67 - 320.00 9.60 20.00 240.00 500.00 8,740.00 8,320.00 48.30

9,000.00 393.30 1,638.75 - 360.00 10.80 22.50 270.00 562.50 9,832.50 9,360.00 54.30

10,000.00 437.00 1,820.83 - 400.00 12.00 25.00 300.00 625.00 10,925.00 10,400.00 60.30

11,000.00 480.70 2,002.92 - 440.00 13.20 27.50 330.00 687.50 12,017.50 11,440.00 66.40

12,000.00 524.40 2,185.00 - 480.00 14.40 30.00 360.00 750.00 13,110.00 12,480.00 72.40

13,000.00 568.10 2,367.08 - 520.00 15.60 32.50 390.00 812.50 14,202.50 13,520.00 78.40

14,000.00 611.80 2,549.17 - 560.00 16.80 35.00 420.00 875.00 15,295.00 14,560.00 84.40

15,000.00 655.50 2,731.25 - 600.00 18.00 37.50 450.00 937.50 16,387.50 15,600.00 90.50



6.6.1a Jadual Bayaran Ansuran Skim Pembiayaan i-Agro (Pertanian) bagi tempoh 25 Minggu + 12 Minggu (6 + 3 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* BAYAR TAKAFUL
a*(4/100)* 25 (a+h+j) KEUNTUNGAN
(k/25) (k/6) (k/1) 0.75(tahun) (a+h) m*0.0058*
1(tahun)

abcde f gh j k mn

16,000.00 699.20 2,913.33 - 640.00 19.20 40.00 480.00 1,000.00 17,480.00 16,640.00 96.50

17,000.00 742.90 3,095.42 - 680.00 20.40 42.50 510.00 1,062.50 18,572.50 17,680.00 102.50

18,000.00 786.60 3,277.50 - 720.00 21.60 45.00 540.00 1,125.00 19,665.00 18,720.00 108.60

19,000.00 830.30 3,459.58 - 760.00 22.80 47.50 570.00 1,187.50 20,757.50 19,760.00 114.60

20,000.00 874.00 3,641.67 - 800.00 24.00 50.00 600.00 1,250.00 21,850.00 20,800.00 120.60

21,000.00 917.70 3,823.75 - 840.00 25.20 52.50 630.00 1,312.50 22,942.50 21,840.00 126.70

22,000.00 961.40 4,005.83 - 880.00 26.40 55.00 660.00 1,375.00 24,035.00 22,880.00 132.70

23,000.00 1,005.10 4,187.92 - 920.00 27.60 57.50 690.00 1,437.50 25,127.50 23,920.00 138.70

24,000.00 1,048.80 4,370.00 - 960.00 28.80 60.00 720.00 1,500.00 26,220.00 24,960.00 144.80

25,000.00 1,092.50 4,552.08 - 1,000.00 30.00 62.50 750.00 1,562.50 27,312.50 26,000.00 150.80

26,000.00 1,136.20 4,734.17 - 1,040.00 31.20 65.00 780.00 1,625.00 28,405.00 27,040.00 156.80

27,000.00 1,179.90 4,916.25 - 1,080.00 32.40 67.50 810.00 1,687.50 29,497.50 28,080.00 162.90

28,000.00 1,223.60 5,098.33 - 1,120.00 33.60 70.00 840.00 1,750.00 30,590.00 29,120.00 168.90

29,000.00 1,267.30 5,280.42 - 1,160.00 34.80 72.50 870.00 1,812.50 31,682.50 30,160.00 174.90

30,000.00 1,311.00 5,462.50 - 1,200.00 36.00 75.00 900.00 1,875.00 32,775.00 31,200.00 181.00

6.6.1a Jadual Bayaran Ansuran Skim Pembiayaan i-Agro (Pertanian) bagi tempoh 25 Minggu + 12 Minggu (6 + 3 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* BAYAR TAKAFUL
a*(8/100)* 25 (a+h+j) KEUNTUNGAN
(k/25) (k/6) (k/1) 0.75(tahun) (a+h) m*0.0058*
1(tahun)

abcde f gh j k mn

31,000.00 1,391.90 5,799.58 - 1,240.00 74.40 77.50 1,860.00 1,937.50 34,797.50 33,480.00 194.20

32,000.00 1,436.80 5,986.67 - 1,280.00 76.80 80.00 1,920.00 2,000.00 35,920.00 34,560.00 200.40

33,000.00 1,481.70 6,173.75 - 1,320.00 79.20 82.50 1,980.00 2,062.50 37,042.50 35,640.00 206.70

34,000.00 1,526.60 6,360.83 - 1,360.00 81.60 85.00 2,040.00 2,125.00 38,165.00 36,720.00 213.00

35,000.00 1,571.50 6,547.92 - 1,400.00 84.00 87.50 2,100.00 2,187.50 39,287.50 37,800.00 219.20

36,000.00 1,616.40 6,735.00 - 1,440.00 86.40 90.00 2,160.00 2,250.00 40,410.00 38,880.00 225.50

37,000.00 1,661.30 6,922.08 - 1,480.00 88.80 92.50 2,220.00 2,312.50 41,532.50 39,960.00 231.80

38,000.00 1,706.20 7,109.17 - 1,520.00 91.20 95.00 2,280.00 2,375.00 42,655.00 41,040.00 238.00

39,000.00 1,751.10 7,296.25 - 1,560.00 93.60 97.50 2,340.00 2,437.50 43,777.50 42,120.00 244.30

40,000.00 1,796.00 7,483.33 - 1,600.00 96.00 100.00 2,400.00 2,500.00 44,900.00 43,200.00 250.60

41,000.00 1,840.90 7,670.42 - 1,640.00 98.40 102.50 2,460.00 2,562.50 46,022.50 44,280.00 256.80

42,000.00 1,885.80 7,857.50 - 1,680.00 100.80 105.00 2,520.00 2,625.00 47,145.00 45,360.00 263.10

43,000.00 1,930.70 8,044.58 - 1,720.00 103.20 107.50 2,580.00 2,687.50 48,267.50 46,440.00 269.40

44,000.00 1,975.60 8,231.67 - 1,760.00 105.60 110.00 2,640.00 2,750.00 49,390.00 47,520.00 275.60

45,000.00 2,020.50 8,418.75 - 1,800.00 108.00 112.50 2,700.00 2,812.50 50,512.50 48,600.00 281.90



6.6.1a Jadual Bayaran Ansuran Skim Pembiayaan i-Agro (Pertanian) bagi tempoh 25 Minggu + 12 Minggu (6 + 3 Bulan)

MINGGUAN JUMLAH JUMLAH JUMLAH TAKAFUL
KADAR SIMPANAN PATUT
PEMBIAYAAN BAYARAN BAYARAN BAYARAN POKOK UNTUNG SIMPAN KEUNTUNGAN POKOK + JUMLAH
MINGGUAN BULANAN SEKALIGUS (a/25) (h/25) (j/25) a*(0.25/100)* BAYAR TAKAFUL
a*(8/100)* 25 (a+h+j) KEUNTUNGAN
(k/25) (k/6) (k/1) 0.75(tahun) (a+h) m*0.0058*
1(tahun)

abcde f gh j k mn

46,000.00 2,065.40 8,605.83 - 1,840.00 110.40 115.00 2,760.00 2,875.00 51,635.00 49,680.00 288.10

47,000.00 2,110.30 8,792.92 - 1,880.00 112.80 117.50 2,820.00 2,937.50 52,757.50 50,760.00 294.40

48,000.00 2,155.20 8,980.00 - 1,920.00 115.20 120.00 2,880.00 3,000.00 53,880.00 51,840.00 300.70

49,000.00 2,200.10 9,167.08 - 1,960.00 117.60 122.50 2,940.00 3,062.50 55,002.50 52,920.00 306.90

50,000.00 2,245.00 9,354.17 - 2,000.00 120.00 125.00 3,000.00 3,125.00 56,125.00 54,000.00 313.20