In Malaysia, multiple branches such as Pandora, Ar-Rahnu Express, Jewels Hotel,Chantique, Time Zone, Les Georgettes, and Tous are managed by Habib Group,. Therefore, theprimary focused area in this case would be branch Pandora, as I was assigning to Pandora. Thisproject explores the business activities and strategic positioning of Pandora Malaysia, which isrunning under Habib Group, in order to understand how the company manages their internalactivities while competing in the jewelry retail market. The project is concentrating on the keyareas of the business activities such as inventory management, financial management, brandmanagement, and customer engagement. Through structured analysis, this project emphasizes onhow the business activities and management systems of the company are contributing to theoverall performance of the company. By observing the actual working environments and throughthe analysis of the relevant business factors, this research study helps to provide a clearunderstanding of how Pandora Malaysia is maintaining accuracy in their business operations,consistency in their brand, and quality in their services among their outlets and aim to how tosupport a better understanding of how retail companies manage to balance efficiency andcustomer satisfaction in a competitive market.Moreover, this project also examines the difficulties experienced by Pandora Malaysia,such as the concentration of financial workload at the headquarters, price sensitivity of thecustomers, uncertainty of the economy, and rising competition from local brands of jewelry. Allthese factors have been found to affect the short-term and long-term sustainability of theorganization. Based on these findings, recommendations have been made to improve the internalprocesses of the organization, market responsiveness, and customer loyalty while maintaining thepremium image of the brand.EXECUTIVESUMMARY
TABLE OFCONTENTS01Executive Summary06SWOT ANALYSIS02ACKNOWLEDGEMENT07DISCUSSION &RECOMMENDATION03STUDENT’S PROFILE08CONCLUSION04COMPANY’S PROFILE09REFERENCES05TRAINING REFLECTION10APPENDIX
I would like to take this opportunity to thanks to everyone who helped me to finish this project. Firstly,thank you to Toh Chin Zhang, my supervisor who choose me to be a part of Pandora Finance team. Andalso who support me, give feedback and advice to me. Another person is, Syamimi Hazwani who is thesenior and also as Executive Account that keeps guiding me to works better. Always help me when Iloss and solve my problems.Also, thank you to Dr. Fadli Fizari Bin Abu Hassan Asari who guide me to write the report, providingme with crucial inform on that forms the found on of my research. His passion for teaching hassignificantly influenced my knowledge of business analysis and strategic management.ACKNOWLEDGEMENT
Design Tool: Intermediate in Canvas and Capcut with 4+ years of experience.Languages: Proficient in spoken and written Malay and English.REFERENCEDR. NURUL LABANIHUDA BINTI ABDUL RAHMANSenior Lecturer Universiti Teknologi MARA (UiTM), Arau Campus. Contact No: (+60)13-5364262RELEVANT INVOLVEMENT & LEADERSHIP EXPERIENCE• Entrepreneurship Committee Member — MUTAC & PEERS, Universiti Teknologi MARA (UiTM) Project Leader — MUTAC Annual General Meeting (AGM) - Oversaw the entire planning and execution of the annual event, including budgeting and team coordination• Head of Participant Bureau — Mahasiswa Bangkit 3.0: \"It’s Okay Not to Be Okay\" (2021) - Managed communication and participant coordination for a mental health awareness program• Head of Refreshment Bureau — Kelantan State-Level Graduate Career Carnival 2023 - Handled logistics for catering and venue setup for guests and participants• Activity Bureau — Mahasiswa Bangkit 4.0 - Planned and coordinated activities for a student-focused mental health awareness program• Protocol Bureau — PEERS Member Day 2021: \"We Are One\" - Assisted in managing guest flow and coordination during the event, including preparation of invitations and VIP support• Participant Bureau — PEERS Raya Competition: “Come On! It’s Your Eid Day!!” (2022) - Oversaw online registration and participant coordination across digital platformsPROFESSIONAL DEVELOPMENT / SEMINAR PARTICIPATION• Participant — Seminar on Issues & Ethics in Finance: A Bright New Dawn for Islamic FinanceUiTM, 12 January 2024• Participant — International Seminar on Auditing and Corporate GovernanceOrganized by MUTAC & MemBACCS, 16 June 2021VOLUNTEERING EXPERIENCES• Volunteer — Rumah Warga Emas Machang (PAWE), 23 November 2022- Assisted in elderly engagement activities and daily support tasksKEY SKILL Microsoft Office Suite: Intermediate in Word and PowerPoint AdvancedMicrosoft Excel:Bachelor of Business in Finance with Honours | FRESH GRADUATESEmail: [email protected] | Contact No: (+60)11-67751769Preferred Job Location: Kuala LumpurCAREER OBJECTIVEI am a highly Finance (Hons.) fresh graduate seeking entry-level opportunities to apply skills in financial data management, cost allocation, and document reconciliation. Gainedpractical experience in invoice processing, fixed asset tracking, and retail finance during a four-month internship.EDUCATIONBachelor Of Business in Finance with HonoursUniversiti Teknologi MARA (UiTM), Arau,PerlisExpected Graduation: 2026CGPA: 3.39 (current) | MUET: Band 3.5Related coursework: Corporate Finance, Investment & Portfolio Analysis, International Financial Management, Financial Markets & Institutions, Business Analytics & FinancialModelling, Monetary Policy & Theory, Financial Statement Analysis, Futures & Options, Quantitative Research Methods, and Islamic Finance.Diploma in AccountingUniversiti Teknologi MARA (UiTM), Machang,KelantanGraduated: 2023INDUSTRIAL TRAINING EXPERIENCEPandora Malaysia (Habib Group), Sep 2025 – Jan 2026 FinancialDocumentation, Cost Allocation & SupplierDataManagement and DataHandlingoooooFinancial modelling, PivotTables, scenario & sensitivity analysisData analysis using regression models, hypothesis testing, and descriptive statisticsAble to develop data-driven business insights using Excel functions and toolsFamiliar with Lookup functions (VLOOKUP, HLOOKUP), data queries, and Excel add-insJemisys Software•••••Updated and maintained fixed asset records using Microsoft Excel, ensuring accuracy with supporting documents.Processed credit notes for insurance-related adjustments under supervisor guidance.Organised and sorted financial documents (invoices, receipts, statements) based on Statement of Account (SOA) for smooth tracking and month-end processing.Prepared and labelled Pandora Asia Pacific (PAP) documents for outlet-level financial coordination.Prepared supplier information and allocated costs across 36 showrooms for documentation and tracking.Inventory & Retail Finance Exposure••Supported documentation for weekly stocktake activities, improving reconciliation between outlets and HQ.Assisted in tracking stock-related financial updates.Administrative Support••Maintained physical and digital filing systems; performed photocopying, scanning, and organising documents as per SOP.Ensured orderly and up-to-date finance trays and filing areas.FATIN NAJIHAH BINTI SHARIFF
COMPANY’SPROFILE01 COMPANY NAME, LOGO,BACKGROUNDAND020304LOCATIONOPERATING HOURSOBJECTIVE & GOALSVISION & MISSION05 ORGANIZATIONALSTRUCTURE06 SERVICE OFFERED
Pandora is a famous jewellery brand from Copenhagen that located in Denmark. It startedin 1982. The idea was to make nice jewellery with good quality but not super expensive, sopeople can enjoy special and unique pieces. They do charm bracelets, which let peoplecustomize their jewelry with their own stories, life stuff, feelings, and all that. That is whyPandora became so famous. They made people feel connected to their jewellery, all over theworld. Now Pandora is one of the big jewellery brands, known for skill, creativity, and beingreliable.The company logo shows what Pandora is about. The name is written in capital letterswith a fancy serif font, looks classy and timeless. It shows reliability, stability, trust. There’s atiny crown above the “O” in PANDORA, which is like saying “we’re excellent, confident,high quality” and that they want to be a leader in jewellery. The logo is black too, whichmakes it look luxury and sophisticated. Basically, the logo shows that Pandora’s jewelleryisn’t just pretty, it also has meaning and value for the person wearing it.COMPANY NAME,LOGO,BACKGROUNDAND
LOCATIONTHERE IS 35 SHOWROOMS IN MALAYSIAPANDORA HQ IS LOCATED AT AMPANG, SELANGOR
OPERATING HOURS
OBJECTIVE & GOALSVISION & MISSIONObjectives:Pandora aims to create jewellery that is beautiful, meaningful,and affordable. They want to connect with customers byhelping them express their personal stories through theirdesigns.GoalsPandora wants to grow as a global jewellery brand while keepinghigh quality and unique designs. They also aim to reach morecustomers worldwide and make their jewellery accessible toeveryone.Vision:Pandora wants to be a jewellery brand that inspirespeople to express themselves. They aim to bring joyand personal meaning to everyone who wears theirpiecesMissionPandora makes high-quality, beautiful jewellery atprices people can afford. They focus on creatingdesigns that let customers tell their own stories andcelebrate important moments in life.
ORGANIZATIONALSTRUCTUREThe Finance Manager, Hui San, in charge of all money stuff, like reports, budgets, and approvingpayments. Toh Chin Zhang, Deputy Senior Accountant, helps the Finance Manager and handlesdaily accounting stuff, make sure everything correct and follow rules. Ho Yim Bin, assistantaccountant, also handle daily accounting things.Senior Executive Accounts, Atiqah AbdulRahman and Hairi, are responsible for overseeing and verifying the work of the ExecutiveAccounts and the Account Officers and ensuring that the company's payment requests are madeaccording to the internal procedure. Zulfitri is responsible for the Pandora Indonesia portfolio,while Syamimi Hazwani is responsible for the Accounts Payable department, ensuring that thebills are paid on time to the suppliers. Zulaikha and Ferdaus, the Senior Account Officers, areresponsible for managing complex accounts, while Nurin Afiqah and Hani Balqis are responsiblefor routine accounting activities and assisting the operations of the departments. This processflow will yield accuracy, effectiveness, and appropriate internal control within the financedepartment.
SERVICE OFFERED1. Charm Bracelets and CharmsPandora is most famous for its charm bracelets,which allow customers to create a personal storythrough their jewellery.Charms come in many designs such ashearts, animals, flowers, letters, and symbols ofmilestones like birthdays or anniversaries.Materials include sterling silver, 14k gold,rose gold, and enamel, giving options for differentstyles and budgets.Price range: Bracelets start around RM250–RM500, and individual charms cost RM125–RM500depending on design and material.Pandora offers rings for everydaywear, engagement, special events, orpersonalised designs.Styles range from simple silverbands to rings with stones,engravings, or unique patterns.Materials include silver, gold, rosegold, and cubic zirconia stones.Price range: RM250–RM1,250depending on design and material.2. Rings
SERVICE OFFERED3. Earrings5. Personalised Jewellery ServicesThey offer a wide variety of earrings,including studs, hoops, and dropearrings.Many designs match bracelets, rings,or necklaces, allowing customers tocreate a full set.Materials include silver, gold, andstones, ensuring durability andelegance.Price range: RM200–RM1,000depending on style and material.Customers can customise bracelets,pendants, or rings with initials,symbols, or charms representingimportant events.This service allows jewellery toreflect personal memories,relationships, or achievements.Personalisation makes Pandorajewellery unique and meaningful.Example: A mother could create abracelet with charms representingeach of her children.
SERVICE OFFERED6.Online Shopping and Delivery7..Gift ServicesPandora has a convenient online store wherecustomers can browse, customise, andpurchase jewellery.Services include home delivery, giftwrapping, and easy returns.Example: A customer can design apersonalised charm bracelet online, choosepackaging, and have it delivered directly to aloved one.Online shopping ensures accessibility forcustomers who cannot visit physical stores.Pandora offers elegant gift packagingfor birthdays, weddings,anniversaries, or holidays.They provide gift cards, suggestions,and ready-made sets to make giftingeasy and thoughtful.Example: A “Birthday Charm Set” or“Anniversary Bracelet Set” comespre-packaged with a small gift boxand card.
TRAININGREFLECTION01 DURATION020304DETAILSROLES, RESPONSIBILITIES,TASK, AND ASSIGNMENTGIVENBENEFITS THAT YOURECEIVED05 GAIN
DURATIONThe internship started on 22 September 2025 up to 9 January 2026 consists of four months of hands-ontraining in Pandora's finance department (Habib Jewels Sdn. Bhd). Working in actual accounting andfinance settings was made possible by this internship. The interns were given a seven-day throughout theirinternship and they had to complete the internship from Monday to Friday, except public holidays. Theworkday ran from 9:00 a.m. to 6:00 p.m., with a lunch break from 1:00 to 2:00 p.m. However, in order toaccommodate stock take sessions, the lunch hours were shifted to 12:30 to 2:30 PM. Depending on thecircumstances, interns who travelled to work were permitted to leave early.
DETAILSI. Department AssignedDuring my industrial training, I was assigned to the Finance Department. This departmenthandles financial records, payments, supplier management, and internal documentation. Beingplaced in this department allowed me to observe and participate in accounting and financerelated processes in a retail company with multiple outlets.II. Exposure to Real Working EnvironmentThrough this training, I was exposed to the real working environment of a corporate financedepartment. I learned how deadlines are managed, how accuracy is maintained in financialrecords, and how teamwork plays an important role in completing daily tasks. I also observedprofessional communication between departments and understood the importance of followingprocedures and internal controls in financial operations.
ROLES,RESPONSIBILITIES,TASK, ANDASSIGNMENT GIVEN. 1. Accounts Payable (AP)· Verified supplier invoices to ensure:Assisted in the full accounts payable process by verifying supplier details, ensuring accurateinvoice amounts, and checking supporting documents such as PO, delivery orders, and taxinvoices. Keyed invoice data into the accounting system with correct cost centers andexpense classifications. Involved in Reflex and Hashtag payment processes includingpreparing Excel summaries, tagging supplier bank accounts using specific codes (e.g. “10”for RHB, “30” for non-RHB), and generating bank upload files. Ensured payment datamatched system records and supported timely, accurate payment cycles.2. Staff Claims & Advance ReversalsProcessed staff claims for mileage, meals, accommodation and business travel expenseswhile ensuring all submissions complied with company entitlement limits including RM40per day for Executives, RM35 per day for non-executives and RM50 per day for Directors.Created Cash Payment entries for staff advances, performed advance reversals after claimsubmissions, and made charge-out adjustments where needed. Matched receipts with claimforms to ensure accuracy, clear outstanding balances, and prevent overclaiming whilegaining exposure to reimbursement controls and fraud prevention procedures.3. Credit Notes ProcessingKeyed in supplier credit notes for overcharged invoices, returned goods, and pricing errors.Matched credit notes against original invoices to ensure proper offsetting and helpedmaintain accurate supplier balances in the system.
ROLES,RESPONSIBILITIES,TASK, ANDASSIGNMENT GIVEN4. Stock Take & Inventory DocumentationParticipated in physical stock take at multiple Pandora store branches, verifying item codes,product descriptions, and quantities counted versus system records. Reported discrepanciesincluding missing items, excess stock, and incorrect tagging. Gained an understanding of thecritical importance of inventory accuracy due to the high value of jewellery, theft risks, andfinancial statement reliability. Learned how accurate stock records impact cost of goods sold,profit calculation, and audit outcomes.5. Pandora Asia Pacific (PAP) ReportingAssisted in preparing foreign currency gain and loss reports and keyed financial data forregional consolidation. Learned how exchange rate fluctuations impact company profits andhow multi-country operations are centrally reported. Gained valuable exposure tointernational financial reporting practices.6. Filing & Documentation ControlOrganized physical documents including payment vouchers, supplier invoices, credit notes,and staff claim forms. Ensured all files were properly labeled, arranged chronologically, andeasy to retrieve, supporting audit readiness with complete and traceable records.7.System & Technical ExposureUsed Jemisys accounting software to import Accounts Payable records and reviewtransaction postings. Assisted in casting totals and checking Pandora Asian Pacific (PAP)from July to December. Gained understanding of how accounting systems integrate invoiceprocessing, payments, reporting, and internal approval workflows.
BENEFITS THAT YOURECEIVEDDuring my internship, I received a monthly allowance of RM1000. Additionally, I wasgiven an allowance of RM20 for each day I participated in stock take activities. I also earnedovertime pay totaling RM200 for 17.5 hours worked. These financial benefits helped supportmy practical experience in a professional environment.
GAIN1. Improved understanding of retail finance operationsDuring my internship, I learned how finance activities are handled in a retail company withmany outlets. By preparing Payment Approval Pack files and organising documents basedon Statement of Account, I understood how payments are checked, approved, and recordedproperly. I also saw how finance decisions must be accurate because one mistake can affectmany outlets. This experience helped me understand how important the finance departmentis in supporting daily business operations.2. Developed practical accounting knowledgeI gained hands-on experience in basic accounting tasks such as handling invoices, creditnotes, and fixed asset records. When I updated fixed asset data in Excel, I learned howcompanies track their assets and keep records for audit and reporting purposes. Processingcredit notes also helped me understand how companies correct billing errors and managereturns. These tasks helped me connect what I learned in class with real working situations.3. Strengthened Excel and system skillsUsing Excel almost every day helped me become more confident in handling data, sortinginformation, and checking records carefully. I also learned how to use Jemysis accountingsoftware to track documents and support reconciliation work. At first, I was slow and unsure,but after repeating the tasks, I became faster and more organised. This improved mytechnical skills and prepared me better for future finance roles.4. Learned document management and organisationSorting invoices by outlet, month, and category trained me to work in a structured andsystematic way. I realised that proper filing is very important because finance staff need toretrieve documents quickly during audits or month-end closing. Through this task, I learnedhow to manage large volumes of documents without mixing them up. This improved myattention to detail and sense of responsibility.
GAIN5. Gained exposure to inventory and stock controlBy assisting in stock take and handling inventory-related documents, I learned how financeand inventory departments work together. I understood that stock accuracy affects financialreports and company profit. Seeing the stock-taking process helped me realise how smalldifferences in quantity can cause big problems in records. This gave me a clearer picture ofhow retail finance and operations are connected.6. Improved time management and work disciplineHandling many tasks at the same time taught me how to manage my time better. Some days Ineeded to prepare PAP files, sort invoices, and update records within tight deadlines. Thistrained me to prioritise work and stay focused even when the workload increased. I alsobecame more disciplined in checking my work to avoid mistakes.7. Built confidence in a professional environmentWorking with senior finance staff helped me become more confident in communicating andasking questions when I did not understand something. At first, I was nervous to makemistakes, but gradually I became more comfortable handling real responsibilities. Thisexperience made me feel more prepared to enter the working world after graduation.
TRENGTHSEAKNESSESPPORTUNITIESHREATSANALYSISSwOT
Strength 1: Weekly stocktake ensures accuracyIn Malaysia, Pandora is managed by the Habib Group, making it one of the internationalbrands under their retail network. The weekly stock take conducted at Pandora Malaysiaunder Habib Group is one of the most important internal controls that supports thecompany’s retail and financial operations. Pandora, being a global jewellery brand with highcustomer traffic and high-value inventory, operates in an environment where even smalldiscrepancies can lead to large financial implications. Each week, staff are required toperform a detailed count of every item displayed on the sales floor and kept in the backroomstorage. This process ensures that physical quantities match the digital records in theinventory system, which is crucial because jewellery items such as charms, rings, bracelets,and necklaces are small, high in demand, and easily misplaced if strict monitoring does notexist. Research emphasises that regular stock audits significantly help reduce errors, preventstockouts, and maintain data accuracy in retail operations, contributing directly to customersatisfaction and efficient store performance [1]. In Pandora’s case, this accuracy is vitalbecause customers often request specific items, and staff rely on the correctness of theinventory record to confirm availability. Any mismatch could cause delays,miscommunication, or loss of sales opportunities. Weekly stock take also acts as an earlydetection mechanism for potential shrinkage, system errors, or unintentional misplacements.By identifying discrepancies earlier, the store can take immediate corrective action, whichpreserves operational integrity and reduces the risk of financial loss. This practice isespecially important for branded jewellery retailers where transparency, precision, andreliability are part of customer expectations, and consistent stock accuracy helps maintain apremium shopping experience aligned with Pandora’s global standards.
Strength 1: Weekly stocktake ensures accuracyFrom an administrative and financial standpoint, weekly stock take also strengthensPandora’s internal reporting system. Each stock take cycle requires staff to recordadjustments, verify missing quantities, and submit the updated report to Pandora Malaysia’sfinance and merchandising departments. These departments rely on accurate stock data toprepare sales analyses, evaluate product performance, and determine appropriate stockreplenishment strategies. Inaccurate inventory records may lead to over-ordering, underordering, or distorted financial statements, which can affect budgeting, forecasting, and costcontrol. Studies show that consistent inventory monitoring helps organisations prevent theftor product loss and supports more reliable decision-making processes at management level[2]. For Pandora Malaysia, this means the head office can accurately assess which designsare trending, which items require urgent restocking, and which products areunderperforming. Weekly stock take also supports inter-branch coordination. Pandora hasmultiple outlets across Malaysia where they have 36 showrooms across in Malaysia, 1 inBrunei and in Indonesia., where are required to process stock transfers, exchange items, andreturn damaged goods. Without accurate stock counts, these procedures would becomeproblematic and result in reporting delays or errors at the HQ level.Internally, the routine also improves staff discipline, enhances product knowledge, andensures accountability, as each week’s stock take record is reviewed by supervisors andcompared against system movements. During stock take, there are cases where the item isphysically available but the barcode is missing, and there are also cases where the barcodeexists but the item cannot be found. Whenever this happens, it is immediately reported to theDistribution Center for further investigation. When discrepancies are consistent or unusuallyhigh, the head office can investigate whether the cause is operational negligence, systemerrors, or potential shrinkage. This promotes a culture of responsibility and precision withinthe organisation. With Pandora’s global brand relying heavily on trust, authenticity, andcompliance, maintaining strict inventory accuracy is essential not only for store-levelperformance but also for the broader financial stability of the company. Overall, the weeklystock take is an operational strength that reflects Pandora Malaysia’s commitment toefficiency, transparency, and high-quality retail governance.