Explain how CCRIS report and CTOS report can assist you in evaluating the character of the financing applicant.

Question 1 Chicks Sdn. Bhd. is a manufacturing company that produces frozen food products including chicken pop-corn, nugget, chicken wings and chicken fingers with Chicks brand. It started operation as a home-based product in the year 2014 and due to high demand, business owner decides to expand their business by opening medium sized factory with custom made machines to increase their production capacity. The business is a family-based business and the ownership and management structure are as follows: - No Names Shares (%) Position Assets Age 35 1 En. Nazmi 50% CEO/ Director (a) Owns General Investment Account of RM 350,000.00 maintained with Bank Muamalat Malaysia Bhd. (b) Owns one unit of a bungalow house located in Kajang with a market value of RM 750,000 as at June 2018. 2 Pn. Alice 30 20% Director Owns Public Listed Company Shares in KLSE of RM 270,000.00 as at 10 June 2018 3 Hajah Aishah 59 30% Owns ASB unit trust of RM 200 000 Total 100% En Nazmi is the son of Hajah Aishah and he is the key person who is responsible for the production and daily operations of the business. Pn. Alice is En. Nazmi's wife, responsible for the financial management of the business. Both of them are holders of Food Production Certificate from Kolej Komuniti Mara. Hajah Aishah is the owner of the recipe who has wide experiences in producing various types of frozen food on small scale. The company submits a financing application to the bank and you are responsible to evaluate the viability of the business. In performing the credit evaluation, you are guided by the 5C's of credit technique