# data[].attributes.body
1. Naimah
Kawan baik sejak zaman study. Seorang yang boleh kongsi susah Dan senang.

2. Muhammad
Mentor dalam menjadi sales person. Memberi semangat dan bantu dapatkan pelanggan.

3. Fareeza
Menjadi tulang belakang saya.

4. Nurul
Kawan agrobank. Membantu memberi semangat dan membantu dalam proses kerja seharian.

# data[].attributes.body
1.Firdaus
- Buddy that always give positive aura even with a phone call.
- Sweet talker that trick my mind to always push me to keep doing what im doing now.

2. Shuhada
- Full of respect with people she just meet and make me feel comfortable to ask and learn from what she does best in this field.
- Never say no to every question I ask.

3. Aimi
- Try to be function in hard situation although it dont work at all.
- Could lead me into comfort working zone eventhough she also clueless.

4. Shafiqah
- Cool yet she is something im expect to burst into succesful thing
- Focus on what been share maybe she use it to improve herself

5. Rashid
- lunch buddy
- always try find a way for me to help me in this field

# data[].attributes.body
Romis- My cousins, my partner in crime. We shares lots of childhood memories together. Someone i can confide with my personal issues or something i cant talk to anyone with.

Jullian- my bestfriend since highschool. Very outspoken and not afraid to say what is not right on his sight. Somewhat my spiritual buddies although we come from different church but we always support each other spiritually.

Sanisah- cheerful gal. Very helpful and someone i can refer to as we both in the same line in Agrobank. She will be someone i first refer to if i have doubt bout completing task in my job and thanksfully she is very patience and helpfull. God bless her soul.

# data[].attributes.body
1) Anis - ringan tulang
2) Din - Our ustaz
3) Brain - our singer
4) Latif- Otai masih berbisa
5) Fairuz - Fashion designer

# data[].attributes.body
https://forms.office.com/Pages/ResponsePage.aspx?id=6Z_N-qq26EOPVnLYiIrAJrE4vbMhRc5Al8P2UU8TTX5UN0VNRE5UQTRaOEs2WE9XSEVWWFRGTjc2Sy4u

# data[].attributes.attachment_link.description
Easily create surveys and polls to collect customer feedback, measure employee satisfaction, and organize team events.

# data[].attributes.body
https://www.surveyrock.com/ts/7MMQZ7

# data[].attributes.body
1. Muhammad Farhan - He always guide me everytime I'm confused - sama ada dari segi hidup atau kerjaya, Always believe in me everytime I'm in doubt. Always support me in whatever I do and give his thought

2. Asiah - My mother in law. When I got problem, she'll listen to me. And tell me pro and contra in different perspective

3. Farah - My mentor in sales. She'll helps me when I got problem with the system

4. Mira - Same as farah

5. No idea who else haha

*I don't have many friends

# data[].attributes.body
1. Dzulfadli - solat on time
2. Sajerah - always sharing knowledge and info
3. Tei wei - good at banking system
4.  Saiful - chat about football
5. Khairul - a true friend

# data[].attributes.body
Dirah - best friend yang selalu ada setiap masa

Hasliza - yang selalu bagi nasihat bila down

# data[].attributes.body
1. Hafizan
My buddies for personal loan sector. Always gives idea for closing. Person who saves me from give up in banking sector.

2. Nasri
My buddies in business sector. Giving idea to get prospect

3. Sulaiman
My buddies in takaful sector. From banking now he is full time agent takaful. Always teach me to direct approach.

4. Irham
My buddies in leadership and entreprenuer mindset. Always gives advice in leading and entreprenuership.

5. Rahimi
My buddies in Agrobank. Always advise planning in agrobank.

# data[].attributes.body
1. Farisha - my very best friend . Kawan yang. selalu Ada susah senang
2. Kak nasirah - selalu berkongsi macam mana nak buat agrocash
3. En fazli - selalu tolong tunjuk ajar macam mana nak process agrocash
4. Ridhwan - kawan setia yang selalu dengar segala masalah

# data[].attributes.body
Wani Bohari
1. friendly, feels like old friend yg dah lama tak jumpa 😍

Syuhaida
1. straightforward, speaks out what she feels but at the same time appreciate other opinions 😬

Wani Saiful
1. her laughing, she loves to laugh haha her laugh makes me wants to laugh 🤣

Elizabeth
1. Fast learner, always be our reference when everyone clueless what to do 😂

Eja
1. my senior cum teacher in this banking field, she teach me everything what to do what to learn everything. I owe her for her kindness ❤️

# data[].attributes.body
1. Faezah: My sister from another parents, she have been there for me through everything

2. Zaimera: Crackhead, the one yang selalu courage me to try new things.

3. Hidayah: Straightforward

4. Hafiz: Always believe me everytime I’m doubt with myself

5. Padil: my mentor in banking line

# data[].attributes.body
1) Nurul Aisyah : Sentiasa ajak solat dan makan bersama
2)Radzali : Sentiasa memberikan pertolongan dalam bidang kredit
3)Nick : Sentiasa memberikan pertolongan dalam sistem ECAS
4) Kak Merreyideth : Sentiasa memberi bimbingan dalam unit banking operation
5) Kak Suzie : Sentiasa membantu dalam perbincangan KPI

# data[].attributes.body
Wirda
Superpower women sentiasa bercita cita tinggi dan bila bercakap sentiasa jd org pertama

Mukhlis
Games kalu main game sentiasa all out😄

Syafiqah
Food lover kalu bab makan sentiasa ingt pada kwn2

Fatin
good listener, suka mendengar masalah kwn2 dan akn cr penyelesain utk bantu kwn2

# data[].attributes.body
1.
2.
3.
4.
5.

# data[].attributes.body
Upsell : Motor Takaful

Cross-sell : Agro Cash-i, Ar-Rahnu

# data[].attributes.body
Features of agrocash-i
1. Up to rm200k
2. Max duration is up to 10 years
3. Deduction salary using Biro Angkasa in payslip
4. No guarantor needed
5. Faster process and approval.
6. No employer verification letter* dependson t&c.

Benefit
1. Debt consolidation.
2. Lowest interest rate in market.
3. Easy to find agrobank in Malaysia

# data[].attributes.body
Up selling
1. Agrocashi
RM 5k - RM 200k

Crossell
- Takaful Kasih Plus
- Takaful Agro Mabrur
- Takaful Agro Madani
- Takaful Agro Nurani
- Wasiat MAAB/ARB
- Motor Takaful
-Debit card

# data[].attributes.body
List down your product Features and Benefit

Features
1. Fast cash
2. Simple document
3. Easy repayment
4. Rates as low as 2.34%

Benefit
1. Insurans fully cover
2. Secure payment
3. Patuh syariah

# data[].attributes.body
Up-sell produk
1)Agrocash-i
2)Hartani-i
3)Ar-Rahnu

Cross-sell
1) Takaful Kasih Plus
2) Wasiat
3) Motor Takaful
4) Debit card

# data[].attributes.body
Up selling
1. Agrocash
2.Hartani I
3.Ar rahnu
4.Safia

Cross selling
1. Takaful kasih plus
2. Will writing
3. Madani

# data[].attributes.body
Upsell : Rm250K for customer income Rm10K

Crosssell : TKP & Will

# data[].attributes.body
List down your product features and Benefit

Features
1.  2.41% for 10yrs
2. Rate untuk semua sektor pekerjaan
3. Bayaran melalui Biro Angkasa
4. Penyatuan Komitmen
5. Existing and New customer (permanent position not contract)

Benefit
1. Monthly instalment rendah
2. Menjimatkan masa untuk presentation
3. Secure payment sbb ptgn auto ptg dari payslip
4. Pelanggan boleh fokus kepada 1 komitmen shj
5. Bayaran balik dari customer secure sbb customer permanent staff

# data[].attributes.body
Agrobank Products

Up-Sell
1.
2.
3.

Cross-Sell
1.
2.
3

# data[].attributes.body
List down your product Features and Benefit

Features
1.
2.
3.

Benefit
1.
2.
3

# data[].attributes.body
P1 - Vulnerable / Non vunerable status
P2 - Age and Position
P3 - Working place
P4 - Working duration (retired option)

# data[].attributes.body
List down as customer

P1
1. Cust who really want to make a loan

P2
1. Cust are interest in making a loan

P3
1. Cust just ask and want to know about product

P4
1. The cust has no intention of making a loan

# data[].attributes.body
P1
1) Non vulnerable cust (Rm3K above)
2) Jawatan (Tetap)

P2
1) Zone Area (Zone B)
2) Umur Pemohon

P3
1) Household income
2) Redemptions
3) Sektor Pekerjaan (Persekutuan/Negeri/Badan Berkanun/GLC)

P4
1) Blacklist cust
2) SSA cust
3) Unsatisfied ccris & Ctos

# data[].attributes.body
P1 - Pekerjaan (Government, badan berkanun, GLC, State Government)
P2 - Jawatan
P3 - Status pekerjaan (tetap/ kontrak)
P4 - Umur bersara (untuk 40tahun dan ke atas)

# data[].attributes.body
P1 - Umur
P2 - jawatan
P3 - tempat customer bekerja (jabatan/ agensi kerajaan/ glc terpilih)
P4 - Tempoh bekerja (opsyen pencen)

# data[].attributes.body
Features(ciri2 produk)
1) Pembiayaan peribadi maksimum 200k
2) Tempoh pembiayaan sehingga 10tahun
3) Potongan melalui biro perkhidmatan angkasa
4) Tiada cagaran diperlukan
5) Proses cepat

Benefit(faedah)
1)Kemudahan bagi menyediakan pembiayaan peribadi kepada pelanggan yang bekerja di sektor kerajaan dan glc yang terpilih.

2)kadar keuntungan yang lebih rendah termasuk penyatuan hutang

3) Satukan komitmen, focus pada 1 saluran pembayaran sahaja

# data[].attributes.body
List down as

P1
P2
P3
P4

# data[].attributes.body
List down the process of the product application from engaging customer to closing - you winning the case Then Prioritise using the matrix...

P1
1. Meet customer
2. Calculate on the spot payslip (what customer need, how much customer need)
3. Sign all documentation to process & open account on the same day
4. Collect important document (such as ic, payslip, hrmis, bank statement & angkasa form)
5. Call majikan to verified customer profile
6. Register application in system
7. Fill in documentation completed & sign verified by BM
8. Scan & attach in document in system
9. Send for approval
10. Approve & task for disbursement
11. Customer accept LO by sms (Notis kemudahan)
12. Print LO & do earmark
13. Send LO to disbursemet dept (CAC) for account creation, Akad & disburse
14. Calculate kelayakan customer yg interested n give feedback

P2
1. Housekeeping (send original document to RO)
2. Refund adv pyment & DS Payment
3. STOP potongan angakasa
4.Do housekeeping on potongan fee based to counter ( Tkp & wasiat)

P3
1. Customer rq on fully settlement or statement

P4
1. Ignore customer yg memg xda harapan lgi nk atur commitment (cth mcm dh pusing sana pusing sini add another income still x lepas but customer still push suruh kira n nk juga duit) desperate & customer yg bad record ( tolak dgn tatasusila n bhasa yg pling lembut n slow mode)

# data[].attributes.body
List down the process of the product application from engaging customer to closing - you winning the case

Then Prioritise using the matrix...

P1
1. Marketing and find customer
2. Send form
3. Calculation estimated loan approved
4. Insert to ecas system

P2
1. Meet with cust
2. Discuss the planning loan
3. Ask others details for completing submission loan
4. pengesahan borang

P3
1. Send application for approval
2. Discuss with customer if they agree with the amount
3. Ask customer to reply sms approval

P4
1. Asking customer open saving acc at nearest agrobank
2. Ask customer to reply sms akad before the money going in to account
3.

# data[].attributes.body
AGROCASH PRODUCT

List down the process of the product application from engaging customer to closing - you winning the case

Then Prioritise using the matrix...

P1
1.Marketing
2. bagi borang
3. Dsr calculation
4. key in dalam sistem

P2
1. Meet cust
2. bincang dengan cust
3. minta borang complete dari cust
4. pengesahan borang

P3
1. Send app to approval
2.minat cust reply sms kalau approve
3.

P4
1. Ask cust to open acc
2. akad
3.

# data[].attributes.body
Choose Product
Agrocash

List down the process of the product application from engaging customer to closing - you winning the case

1. Data based
2. Marketing
3. Set appointment
4. Discussion
5.kira kelayakan
6.Complete doc
7. Pengesahan
8.Key in system
9. Hantar ke approval
i - approved
ii- reject
10. If approved- cust reply sms
11. Buka acc
12. Hantar doc ke cac
13. Jawab akad
14. Disbursed

Then Prioritise using the matrix...

P1
1. Data based
2. Marketing
3. Kira kelayakan
4. Key in sistem

P2
1. Set appointment
2. Discussion
3.Complete doc
4. Pengesahan

P3
9. Hantar ke approval
i - approved
ii- reject
10. If approved- cust reply sms

P4
11. Buka acc
12. Hantar doc ke cac
13. Jawab akad
14. Disbursed

# data[].attributes.body
Want I learn well based on yesterday’s cause of events

Personally
Learn from mistake and manage my time

Professionally
Manage what more important on work everyday

What I need to improve

Personally
Be more confident dan do the work better and better

Professionally
Bekerja secara positif dan laksanakan kerja dgn ikhlas

# data[].attributes.body
Choose Product

List down the process of the product application from engaging customer to closing - you winning the case

Then Prioritise using the matrix...

P1
1.
2.
3.

P2
1.
2.
3.

P3
1.
2.
3.

P4
1.
2.
3.

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally - Attitude and skills
Professionally - Good skills of closing customers.

What I need to improve

Personally - My behavior easy to trust people.
Professionally - My closing skill to customer.

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally -
Professionally -

What I need to improve

Personally - My marketing strategy
Professionally - My marketing style

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally - calmly face the problem
Professionally - managing more important work descriptions

What I need to improve...

Personally - be more confident and calm
Professionally - manage work more efficiently

# data[].attributes.body
1. What I learn
Personally :
-Don't trust people easily
-Don't make the same mistakes/let people perkenakan you more than 3x

Professionally :
-Know your numbers (Pareto Principle)
-Work smart
-Get connected/Strengthen your connection

2. Improvement
Personally :
-Do not procastinate

Professionally :
-Always work with the numbers
-Work smart

-Do more marketing

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally
I learn to reflect on my strength and how to overcome my weaknesses so i can move forward in my career. I may now have clearer vision on how to make the IMPOSSIBLE become 'I'M POSSIBLE'💪🏻💪🏻

Professionally
I learn so much on how to set my goals and learn how to prioritize my task so i can deliver my job efficiently.

What I need to improve...

Personally
I need to learn to be more calm and not to get overwhelm or emotional easily as i job need me to confront people almost everyday, everytime. I may improve that by taking short meditation or yoga and learn to be more patience or empathetic to people i'm dealing with.

Professionally
I learn to delegate my task to my subordinate and co-workers, learning that we are in a team. I should have a little more faith in them by guiding and learning to complete tasks together.

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally : confident sebagai sales person, kenalpasti target

Professionally : kenalpastikan kerja yg perlu diutamakan dahulu utk pastikan cara kerja lebih efisyen

What I need to improve...

Personally : improve confident level, cara berhadapan dengan orang

Professionally : kerja dengan lebih efisyen

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally : Need to do pareto formula
Professionally : if i want to get more customers i need to do more presentations

What I need to improve...

Personally : prioritize which is more important
Professionally : better time management

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally : to setting spesific goal in my life
Professionally : do the important and urgent task

What I need to improve...

Personally : attitude
Professionally : marketing skills

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally - to be brave in handling any situation
Professionally - to complete my task based on schedule

What I need to improve...

Personally - i want to be more focused in handling my task (at work n home)😌
Professionally - jangan terlalu percayakan orang sgt

# data[].attributes.body
What I learn well based on yesterday'...

Personally
to setting a goal, specifically not generally.

Professionally
learned how to focus on our work/job scope first then followed by others. dont be so kind 😂

What I need to improve...

Personally
be a specific person!

Professionally
learn to be not so kind in helping others, buat baik berpada-pada 😬

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally : more confident to be a good sale person
Professionally : do first important work then others

What I need to improve...

Personally : improve how to attract more customer
Professionally : to manage working hour (do what most important first)

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally: To learn from mistake, don’t repeat it and be a better person

Professionally: Learned how to calculate number of presention/ appointment using Pareto Formula

What I need to improve...

Personally: Increase self confidence
Professionally: Work smart and getting numbers by using Pareto Formula.

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally know how to manage time well
Professionally to do task job based on what different of important and urgent.

What I need to improve...

Personally do good, it will come back to me.
Professionally think positive, ignore negative vibes.

# data[].attributes.body
What I learn well based on yesterday'...

Personally : Belajar daripada kegagalan saya sebelum ini "practice make perfect"
Professionally : Kalau nak berjaya kita perlu berusaha lebih dan tinggalkan segala yang mampu membuat kita jatuh.

What I need to improve...

Personally : Berusaha dengan gigih supaya hasilnya nanti akan menjadi suatu kepuasan .
Professionally : Jangan pernah mengalah dalam apa jua keadaan, jangan pernah berputus asa hanya kerana kamu keseeorangan. Ingat suatu ayat " Selagi kau tak sampai limit akhir kau, berusaha sampai kau takmampu"  paling penting tinggalkan orang-orang yang ingin tengok kau jatuh.

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally
Indentify my weakness
Professionally
Lack of strategy

What I need to improve...

Personally
More confident to achive target
Professionally
To improve my workflow & strategy

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally : Doing mistake (Failure) is good when we learn from it and never repeat the same failure again.
Professionally : To be successful as sales consultant, we need to be more care, courage, competence & have good communication with our client

What I need to improve...

Personally : Be more creative on how to generate sales to achieve my KPI
Professionally : Be more focus & professional during working hours.

# data[].attributes.body
Monthly Target :
Current - RM600k
New - RM800k

Weekly Target :
Current - RM200k
New - RM250k

Weekly Target Per Product :
Current - RM2500
New - RM 3000

Weekly Target Per Product Per Case :
Current - will writing (1file)
- agrocash (1file)
- TKP (1 customer)
New - will writing (8 case)
- agrocash (8 file)
- TKP (10 customer)

Weekly Client Per Product :
Current - will writing ( 4Client)
- agrocash ( 8Client)
- TKP ( 10 Client)

New - will writing ( 6 Client )
- agrocash ( 10 Client)
- TKP (15 Client)

Weekly Presentation Per Product :
Current - will writing ( 4file)
- agrocash (8file )
- TKP ( 10file)

New - will writing ( 6file)
- agrocash ( 10file )
- TKP ( 15file)

Weekly Discussion/Appointment Per Product :
Current - 60client
New - 80 client

# data[].attributes.body
What I learned well based on yesterday's cause of events..

Personally
Professionally

What I need to improve...

Personally
Professionally

# data[].attributes.body
Monthly Target
-Current (600k)
-New (800k)

Weekly Target
-Current (150k)
-New (200k)

Weekly Target Per Product -
-Current
AgroCash - (150k)
FeeBase (inc takaful,wasiat)- (rm500)

-New
AgroCash - (200k)
FeeBase  (inc takaful,wasiat)- (rm625)

Weekly Target Per Product Per Case
-Current (4 file)
-New (7 file)

Weekly Client Per Product
-Current (20 person)
-new (35 person)

Weekly Presentation Per Product
-Current ( 100 person)
-New (175 person)

Weekly Discussion/Appointment Per Product
-Current (20 person)
-New (35 person)

# data[].attributes.body
Members name :
1. Afiq Kamal
2. Muhammad Hadi Shidqan
3.Ahmad Saaban
4. Noor athirah

# data[].attributes.body
Team Members

Faizal
Norsafinah
Salina
Amira
Syafiqah

# data[].attributes.body
Team Members
1) Norsanisah
2) Siti Norasmah
3) Shidah
4) Fairuz
5) Fatihah
6) Azan

-Current
RM800K per month (Agrocash)
RM2500 per month (Fee based)

Rm160K per week (5 cases Agrocash)
Rm625 per week (4 cases fee based)

-New
Rm1,200K per month (Agrocash)
Rm3,500 per month (fee based)

Rm200K per week (6 cases Agrocash)
Rm700 per week (5 cases fee based)

# data[].attributes.body
Team Members
Siti Rukayah
Wan Mohamad Saiful
Awang Jul
Aimi Farihah Rabbani
Nur Shiela Haiza

# data[].attributes.body
Team Members
1) Hafahme
2) Elizabeth
3) Ainazatul
4) Shuaidah
5) Wani
6) Syazwani

# data[].attributes.body
Team Members

# data[].attributes.body
Muhammad H
Monthly Target -
800k Financing, 2k for fee based

Weekly Target -
250k Financing, 700 for fee based

Weekly Client Per Product Per Case -
5 cases (50k financing), 5 cases (700)

Weekly Discussion/ Appoitment Per Product -
5 Target - current  3 client

Afiq Kamal
Monthly Target -
800k Financing, 2.5k for fee based

Weekly Target -
250k Financing, 750 for fee based

Weekly Client Per Product Per Case -
3 cases (100k financing), 5 cases (700)

Weekly Discussion/ Appoitment Per Product -
10 Target - current client

Ahmad Saaban
Monthly Target -
Current: Agrocash :800k
Fee Based : 2k
New : Agrocash : 1 mil
Fee Based : 3k

Weekly Target -
Current : Agrocash : 200k                                      Fee Based : 500
New:
Agrocash : 250k
Fee Based : 1000

Weekly Target Per Product -
Current : Agrocash : 200k
Fee Based : 500
New: Agrocash : 250k
Fee Based : 1000
Weekly Target Per Product Per Case - Current : 3 cases
New: 6 cases
Weekly Client Per Product -
Current: 5
New: 10
Weekly Presentation Per Product - Current : 3
New : 15
Weekly Discussion/Appointment Per Product -
Current : 3
New:15

# data[].attributes.body
Monthly Target - Current and New
Weekly Target - Current and New
Weekly Target Per Product - Current and New
Weekly Target Per Product Per Case - Current and New
Weekly Client Per Product - Current and New
Weekly Presentation Per Product - Current and New
Weekly Discussion/Appointment Per Product - Current and New