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I arrived at the FundedHere Private Limited office at 8:40 a.m. and was warmly welcomed by my office supervisor. After a brief introduction to my colleagues, my supervisor, Ms. Siew Min Ann, gave me a guided tour of the entire office, familiarizing me with the workspace. Following the tour, I was introduced to the key software applications I would be using, including Microsoft Excel, Microsoft Teams, and other essential tools. My supervisor also provided an insightful introduction to FundedHere, explaining the company’s background, operations, and overall workflow, giving me a clear understanding of my role within the organization.

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Holiday (Nuzul Al-Quran)

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My supervisor sent me a file detailing the product and process flow and instructed me to review the content. She then gave a rough explanation of the entire product flow, helping me grasp the overall structure and key processes. Based on her explanation, I was tasked with creating a mind map to visually represent the product and process flow.

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I continued working on the mind map. Once completed, I submitted it to my supervisor for review and feedback. After reviewing my work, my supervisor conducted a brief session to explain the concept of SKU Finance, specifically focusing on the Cash on Delivery (COD) method. She walked me through the disbursement and repayment processes involved, helping me understand how funds are managed and recovered in this financing model. After the explanation, my supervisor instructed me to create a diagram to visually represent the SKU Financing process, based on what I had just learned.

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Today, I continue working on the diagram related to the SKU Financing - Cash on Delivery process. After completing the diagram, my supervisor guided me through the cash flow involved in the disbursement and repayment stages. Based on her explanation, I proceeded to draw the disbursement and repayment cash flow diagram.

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Saturday and Sunday (Rest day)

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I continued working on the cash flow diagram for the disbursement and repayment process. In addition, I drew out the loan calculation.

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Today, my supervisor taught me about the default calculation in the context of SKU Financing. She explained how defaults are identified, calculated, and their impact on the overall repayment structure. Following the explanation, I drew a diagram to illustrate the default calculation process, including the key components and flow of actions in the event of a default.

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Today, I continued working on the default calculation diagram. Later, my supervisor asked me to review the section regarding the security deposit and take time to understand its role within the financing process.

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I continued reviewing the concept of the security deposit and revisited relevant materials and notes provided by my supervisor to deepen my understanding of its role in the financing process. Based on my understanding, I attempted to draw a diagram illustrating how the security deposit is managed and applied.

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My supervisor reviewed the diagram I created on the default calculation and security deposit and provided detailed feedback. She further explained the concept, helping me gain a clearer understanding of how the security deposit functions within the financing structure. Based on her explanation, I proceeded to make the necessary amendments to the diagram to ensure it accurately reflected the process.

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Saturday and Sunday (Rest Day)

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Public Holiday (Hari Raya Aidilfitri).

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Today, I continued working on the diagram for the security deposit. After completing this task, my supervisor called me to go through the Loan to Value (LTV) percentage calculation. Based on my initial understanding, I started to draw a rough diagram to represent the LTV percentage calculation process.

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My supervisor provided a detailed explanation of the LTV percentage calculation. Following her guidance, I made the necessary amendments to the LTV percentage calculation diagram.

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My supervisor discussed the LTV percentage calculation diagram that I had completed earlier. Following the discussion, she introduced me to several new concepts: the breakeven parameter, pre-financing, and SKU Financing based on advanced payment processes. After the explanation, she instructed me to draw diagrams to visually represent these financing structures.

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Saturday and Sunday (Rest day)

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I continued working with the task assigned by my supervisor by Friday, 4 April 2025, about drawing the diagrams of the breakeven parameter, pre-financing, and SKU Financing based on advanced payment processes.

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Today my supervisor assigned me an urgent task to work on a research related to U.S. tariffs.

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I continued working on the U.S. tariffs research assigned by my supervisor. I conducted further research and refined my analysis to ensure clarity and relevance. Later, I had a discussion with my supervisor regarding the research.

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I continued my research on U.S. tariffs, refining my analysis and organizing the key findings. After completing the research and preparing the content, I presented my findings to the CEO.

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Today, I continued working on the diagrams for the breakeven parameter and pre-financing. Upon finishing the task, my supervisor assigned me a new research task on Shariah Financing.

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Saturday and Sunday (Rest day)

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I continued working on the research about Shariah Financing assigned by my supervisor. I focused on understanding the core principles of Islamic finance, such as the prohibition of interest (riba), risk-sharing, and ethical investment. I also explored various Shariah-compliant financing structures, including Murabaha, Ijarah, and Mudarabah, to gain a comprehensive view of how they operate compared to conventional financing models.

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Today, I continued working on the research about Shariah Financing. In addition, my supervisor discussed with me the diagrams I previously created for the LTV percentage calculation, breakeven parameter and pre-financing. I made the necessary amendments for the diagrams based on her feedback.

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I continue with the Shariah Financing research assigned by my supervisor. After that, I present my findings to the COO and my supervisor as part of a work reporting session. My supervisor called me to study and understand the concept of asset-backed.

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Continued to study and understand the concept of asset-backed.

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I continued with the task assigned by my supervisor to study and understand asset-backed.

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Saturday and Sunday (Rest day)

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Today, I continued with my research on Shariah Financing, focusing on further understanding of its core principles of Islamic finance. In addition, I spent time studying the concept of asset-backed.

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I presented my understanding of Shariah Financing and asset-backed to my supervisor. During the discussion, I shared key insights I had gathered through my research, and my supervisor provided feedback to further refine my understanding. Since I have developed a basic understanding of Shariah Financing, my supervisor assigned me a new task: to conduct research on the operations of Shariah Financing in Indonesia.

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I continued the research on the operations of Shariah Financing in Indonesia, focusing on understanding the country’s regulatory framework.

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I continued the research on the operation of Shariah Financing in Indonesia.

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Repeating and continuing the research on the operation of Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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Continued the research on the operation of Shariah Financing in Indonesia

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Continued the research on the operation of Shariah Financing in Indonesia

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Continued the research on the operation of Shariah Financing in Indonesia

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Public Holiday (Labour Day)

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I continued the research on the operation of Shariah Financing in Indonesia.

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Today, I had a discussion with my supervisor to present the findings from my research on the operations of Shariah Financing in Indonesia. Following the discussion, my supervisor instructed me to create a diagram to visually represent the overall structure and flow of Shariah Financing operations in Indonesia. Moving forward, my supervisor assigned me the next phase of the research: to study the pricing structure of Shariah Financing in Indonesia, focusing on three key sections which are penalty, profit, and fee.

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Today, I began my research on the pricing of Shariah Financing in Indonesia, focusing on three key components: penalty, profit, and fee.

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I continued the research on the pricing of Shariah Financing in Indonesia.

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Repeating and continuing the research on the pricing of Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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Public Holiday (Wesak Day)

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Repeating and continuing the research on the pricing of Shariah Financing in Indonesia.

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Today, the CEO, Mr. Kenneth Pang assigned me a task related to an upcoming event in Indonesia. He provided a list of participating brands and instructed me to gather specific information on each, including their product offerings, pricing, and available stock levels. I began researching each brand on the list, compiling the necessary details to support event preparation and ensure the team has a clear understanding of what each brand will be showcasing.

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I continued compiling the list of participating brands for the upcoming event in Indonesia, as assigned by the CEO.

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Saturday and Sunday (Rest day)

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Today, I continued compiling the list of brands participating in the upcoming event in Indonesia.

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Today, I finalized the collection of information, including each brand’s product offerings, pricing, and stock availability. After completing the task, I sent the finalized list to the CEO for review.

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I continued the research on the pricing of Shariah Financing in Indonesia.

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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I continued the research on the pricing of Shariah Financing in Indonesia

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Repeating and continuing the research on the pricing of Shariah Financing in Indonesia.

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Repeating and continuing the research on the pricing of Shariah Financing in Indonesia.

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Continued the research on the pricing of Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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Public Holiday (Agong's Birthday)

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Today, my supervisor assigned me a new research task on the topic: “How do Fintech and Basel III affect the banking industry in Southeast Asia and the United States?” To begin this research, I started by building a foundational understanding of both key area:

- Fintech: Its definition, core technologies, and the impact it brings to the traditional banking landscape.

- Basel III: The global regulatory framework developed to strengthen regulation, supervision, and risk management in the banking sector.

This initial phase helped me grasp the core concepts, which will support a more in-depth analysis of their specific impacts in the Southeast Asia and U.S. banking sectors in the next stage of the research.

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Today, I continued deepening my understanding of Fintech and Basel III as part of my ongoing research on their impact on the banking industry in Southeast Asia and the United States.

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I continued deepening my understanding of Fintech and Basel III to further support my research on their impact on the banking industry in Southeast Asia and the United States.

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I am still continuing to deepen my understanding of Fintech and Basel III.

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Saturday and Sunday (Rest day)

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Today, I focused on exploring more real-world applications and case studies that illustrate how Fintech innovations are transforming traditional banking services, and how Basel III regulations are being applied across different banking environments. This continuous learning process is helping me build a stronger analytical foundation for evaluating the intersection between technology and regulatory compliance in the financial sector.

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I continued the research on how Fintech and Basel III impact the banking industry in Southeast Asia and the United States.

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Continued the research on how Fintech and Basel III impact the banking industry in Southeast Asia and the United States.

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Today, I returned to the research on the pricing of Shariah Financing in Indonesia, with a focus on the key components: profit, fee, and penalty.

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Today, I continued the research on the pricing of Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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Today, I assisted the Sales and Marketing department with the lead distribution process. My task involved supporting the team in organizing and updating lead data everyday to ensure accurate and efficient allocation. This experience gave me practical exposure to customer relationship workflows, improved my Excel and data management skills, and helped me better understand how the CSC team contributed to client engagement and business development.

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I assisted the Sales and Marketing department with the lead distribution. I helped organize and manage lead data to ensure accurate and effective distribution across the team. Later in the day, I presented my research findings on the pricing of Shariah Financing in Indonesia to my boss.

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Today, I worked on the leads distribution task, organizing and updating lead data using Excel to ensure proper allocation among team members. In addition, I began to learn how to perform sales tracking. My colleague guided me through the process of monitoring the daily sales of individual SKUs for the client to support performance evaluation and business decision-making, and updating relevant data in internal systems.

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Today, I updated the leads data and ensured that the latest information was accurately recorded. After completing the updates, I distributed the leads to the sales team to support their outreach and follow-up activities. Following this, I prepared the weekly ads performance presentation slide, summarizing the lead distribution status, key metrics, and progress for reporting purposes.

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I updated the leads distribution by organizing and assigning the latest lead data accurately to the sales team. After that, I continue doing the weekly ads performance presentation slide.

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Saturday and Sunday (Rest day)

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I updated the leads distribution, ensuring accurate assignment of leads to the sales team. I also updated the weekly ads performance presentation slide to reflect the latest lead distribution and performance metrics. In addition, I worked on monitoring and tracking the daily SKU sales of clients. When time permitted, I continued with my research on the pricing of Shariah Financing in Indonesia.

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Today, I updated the leads data, monitor and record the daily sales of individual SKUs for the client. I also continued the research on Shariah Financing in Indonesia.

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Repeatedly the task which updated the leads data, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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I worked on leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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Public Holiday (Awal Muharram)

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Saturday and Sunday (Rest day)

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Today, I updated the leads data and ensured the weekly ads performance presentation slide reflected the most recent lead distribution and performance metrics. I also continued to monitor and record the daily sales of individual SKUs for the client and additionally, continued the research on Shariah Financing in Indonesia.

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Today, I worked on updating the leads data, monitor and record the daily sales of individual SKUs for the client, and also continued the research on Shariah Financing in Indonesia.

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I repeatedly worked on updating the leads data, monitor and record the daily sales of individual SKUs for the client, and also continued the research on Shariah Financing in Indonesia.

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Today, I repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia. In addition, I learned how to perform investor onboarding in the UAT (User Acceptance Testing) environment, gaining hands-on experience with the platform. I also participated in 2FA (Two-Factor Authentication) testing, learning how security features are implemented.

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I repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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Saturday and Sunday (Rest day)

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Today, I worked on leads distribution, updated the weekly ads performance presentation slide, monitor and record the daily sales of individual SKUs for the client and continued the research on Shariah Financing in Indonesia.

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I repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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I repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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Repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.

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I repeated the task of updating the leads distribution, monitor and record the daily sales of individual SKUs for the client, and continued the research on Shariah Financing in Indonesia.