SBKB was established in 2005. It operates a three-star resort in Cherating, Pahang. On 01 January 2019, the company obtained the following financing package from Urban Bank Berhad to finance its business operations: -

Facility	Amount	Tenure	Contract	Purpose
Working Capital	RM 600 000	3 Years	Murabahah	To finance working capital requirement
Fixed Asset Financing	RM 2 000 000	10 years	Tawarruq	To finance the development of the resort

(a) Based on the financing above, explain TWO (2) types of collateral that can be used to secure EACH OF FINANCING obtained by SBKB?

In March 2020, the Movement Control Order (MCO) announced by the Government due to COVID 19 pandemic has affected the cash flow of the company.

(b) Discuss THREE (3) problems that may face by the company due to COVID 19 pandemic that may affect the loan repayment. (10 marks)

(c) To facilitate business that are impacted by the COVID-19 pandemic, Bank Negara Malaysia has announced the 6-months deferment to SME companies in Malaysia that took effect in March 2020. Explain the purpose of a bank giving deferment to companies. How can this assist SBKB?