Emilia Elfera was an ethnic handbags manufacturer in Tuaran. She started her business as a sole trader. Five years later, the business was then transferred to company. Soon after the incorporation, Emilia Elfera, as one of the Board of Directors of the company, took a loan amounting to RM50,000 from Rini Amirah Finance to expand the company's business.

Due to Covid-19 pandemic, the business floundered. Now, Rini Amirah Finance wants to claim for the repayment of the loan from Emilia Elfera. Emilia Elfera does not have enough savings and property to settle the debt. Advise Emilia Elfera.