You are the Credit Processing Officer of Bank Sejahtera Berhad. The bank has instructed you to process a new application by Sepekat Selalu Sdn Bhd (SSSB) that was established in 2015. SSSB operates palm oil business in Bidor, Perak. The company makes the application on 1^st November 2020. The details application are as follows: -

FACILITY	AMOUNT	TENURE	CONTRACT	PURPOSE
Working Capital	RM700,000	3 years	Murabahah	To finance working capital requirement
Fixed asset financing	RM2,500,000	10 years	Tawarruq	To finance the construction of new factory

1. Discuss the 5 Cs criteria that you can use evaluate the companys application

(5 marks)

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

(5 marks)

(Total 10 marks)