# data[].attributes.body
Prepare presentation using PPT and present the FAB of 2 or your chosen product...

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In 3 years....

I will be holding a position as ....... in ........

I will have savings of ........

I will own a ........

I will be taking .....

The person that I have become after doing all the above .....

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Break it down to products or services :
1. Agrocash - 8.8Mil (for 11month)
2. Feebased (Takaful & will) - 2.75k (for 11month)

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Sales Target 2022

Agrocash-i
RM 7.2 million / per year
RM 600k / per month

Fee base (Wasiat, takaful kasih & lain)
RM 24k / per year
RM 2k / per month

Hartani-i
RM 240,000 / per year
RM 20,000 / per month

# data[].attributes.body
Sales Target 2022

Agrocash-i
RM 9,600,000 million / per year
RM 800,000 / per month

Fee base (Wasiat, takaful kasih & lain)
RM 30,000 / per year
RM 2,500 / per month

Hartani-i
RM 240,000 / per year
RM 20,000 / per month

# data[].attributes.body
1. Agrocash Rm9,600,000.00/12m
RM800,000/m
Jan-April RM3,816,000.00

2. Takaful kasih & will 30k/m
RM2,500/M
Jan-April RM6,767.56

# data[].attributes.body
2022 target in RM 10Mil

Break it down to products or services
1. Agrocash - 800k/months & 9.6Mil/year
2. Fee Based - 2,500k/months & 30k/year
3. Ar Rahnu - 30k/months & 360k/year

# data[].attributes.body
2022 Target

Break it down to products or services
1. Agrocash-i  - RM8.8mil per year
RM800,000.00 per month
2. Hartani - RM1.2mil per year
RM100,000.00 per month
3.Fee Based - RM25.8k per year
RM2,500.00 per month

# data[].attributes.body
AGROCASH - RM7,200,000 (RM600,000/per month)

FEE BASED (TKP, WASIAT) - RM24,000 (RM2000/per month)

# data[].attributes.body
2022 target

Break it down to products or services
1. Agrocash - 8.8Mil (for 11month)
2. Feebased (Takaful & will) - 2.75k (for 11month)

# data[].attributes.body
In 3 years....

I will be holding a position as ...... in ........

I will have savings of .......

I will own a ........

I will be taking .....

The person that I have become after doing all the above .....

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Product
1.
2.
3.

Product
1.
2.
3.

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Ar rahnu
1. A lot of procedures compare than other competitors
-Need to fill up form
-Need to open saving account
-Cash not in hand but transferred into account

2. A lot of competitors

3. Current Issues
-Increase in selling price of sawit
-Withdrawal from KWSP
-Most of them get bonus raya

Tenang
-Selected person ( BPR )
-Difficult process to claim
-Customer need to use own money for renewal next year
- Customer not aware about Tenang product provided by goverment

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🌼Hartani🌼
1. Customer on the spot tanya kelayakan tapi tak pandai kira secara manual, penyebab customer kurang berkeyakinan dan selalu tidak menjadi
2. pelanggan tidak bersetuju dengan jumlah kelulusan kerana perlu mengeluarkan bayaran pendahuluan yang terlalu tinggi
3. kurang kefahaman berkenaan produk, cth hartani. cust tanya tapi tak tau jwpn
Hartani
4.Pelanggan mempunyai komitmen yang tinggi di mana membuat pembiayaan kereta/rumah.menyebabkan kelayakan ditolak kerana tiada kemampuan utk mambuat byaran bulanan.
5.Faktor umur (tidak boleh melebihi 60tahun) sehingga tamat tempoh pembiayaan.

🌼Takaful Kasih Plus🌼
1. Masa tuntutan selalu mengambil masa yang agak panjang dan sometime tiada sebarang tindakbalas berkaitan status
2. Kebanyakkan kakitangan tidak memahami procedure tuntutan dan jenis-jenis tuntutan yang berkelayakan
3. Pelanggan tak tahu ada nya takaful kemalangan diri bayaran yang agak rendah di agrobank (Kurang pendedahan mengenai produk TKP kepada orang luar)
4. Pelanggan kurang kesedaran untuk memiliki insurans perlindungan diri & beranggapan takaful perlu di bayar secara bulanan..walhal hnya skli byran dan dilindungi dlm tempoh 1tahun

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AGROCASH-i
1) belum ada keperluan/x pakai duit extra dulu untuk sementara waktu.
2) proses time agak makan masa compare dengan competitor.
3) Dokumen perlu mintak pengesahan daripada majikan. (eg: state govt servant)
4) competitor already tackle with other option (pindah gaji)
5) proses untuk biro angkasa (eg: perberhentian biro angkasa)

AGRO MADANI
1) bayaran tahunan mahal sikit berbanding TKP. (Pemilihan PLAN)
2) pelanggan memberi alasan sudah ada insuran. (insuran luar eg: AIA)
3) tempoh untuk claim yang agak lama/ambil masa.

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How to identify

Indicate
How do you know a PROSPECT?
-datang ke bank dan bertanya tentang rate terkini
-sedia share payslip
-suka akan latest life style cth suka upgred h/phone like iphone latest
-memerlukan cash utk perayaan/wife nak bersalin.

How do you know a SUSPECT?
-Kenaikan gaji tahunan
-Berminat nk stle loan lain contoh Ptptn yg ada menawarkan rebate 15%
-Nk kurangkan komitmen utk tambah aset lain cth beli tanah @ rumah

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My 50's

1.Helpfull
2.Understanding
3.Empathetic
4.Compassionate
5.Caring
6.Humility
7.Integrity
8.Adaptive
9.Honesty
10.Forgiveness
11.Respect
12.Responsible
13.Patience
14.Generous
15.Loving
16.Reliable
17.Positive
18.Courage
19.Perseverance
20.Encouraging
21.Polite
22.Considerate
23.Leadership
24.Self-controlled
25.Diligent
26.Unselfish
27.Hardworking
28.Mindful
29.Pragmatic
30.Warm
31.Strong (mentally!)
32.Temperate
33.Thrifty (not wasteful!)
34.Cooperative
35.Faithful
36.Assertive
37.Great listener
38.Thorough
39.Fairness
40.Loyalty
41.Flexible
42.Perceptive
43.Resourceful
44.Imaginative
45. Jokers
46. Good in do jobs
47.Creative
48.kindness
49 .Smart dressing
50. Respectfull
45.Ambitious
46.Curiosity (eager to learn!)
47.Eloquent
48.Friendly
49.Independent
50.Focused
51.Punctual

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KISS

K - keep attract my prospect in consumer
I - Improve my marketing skill in selling my product
S - start and always being positive as people know im friendly sales people
S - stop and avoid any toxic people

# data[].attributes.body
REFLECTION DAY 2

What I did "WELL" yesterday...
At Home - masak special utk family
At Work - settlekan semua submittion and all task before cuti raya

What I did "BADLY" yesterday.....
AT Home - mertua datang umah utk berbuka
At Work - stress...banyak sgt2 kerja sblm cuti raya

What was the act of "KINDNESS" I did .....
At Home - Isteri yang akn dahulukan suami dan mama yang tegas pd ank4...tp end up manjakan balik ank4
At Work - hardworking...responsible

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None

# data[].attributes.body
What I did "WELL" yesterday...
At Home - Rest well at home because whole day tiring.
At Work - Giving good attention during training season.

What I did "BADLY" yesterday.....
AT Home - zero
At Work - zero

What was the act of "KINDNESS" I did .....
At Home - Home alone.
At Work - By helping other people and workmate too.

# data[].attributes.body
What I did "WELL" yesterday...
At Home - manage my kids
At Work - setel semua kerja before cuti raya

What I did "BADLY" yesterday.....
AT Home - tak sempat masak
At Work - customer terlalu ramai, unable to focus some necessary thing

What was the act of "KINDNESS" I did .....
At Home - ibu yang sporting but tegas in term of attitude, solat , behaviour.
At Work - always friendly

# data[].attributes.body
What I did "WELL" yesterday...
At Home - Kemas rumah
At Work - Siapkan kerja yang bertangguh sebelum balik .

What I did "BADLY" yesterday.....
AT Home - Berangan
At Work - Kacau kawan buat kerja😅

What was the act of "KINDNESS" I did .....
At Home - memberi makan kucing di rumah
At Work - Bersedekah kuih raya dengan kawan2

# data[].attributes.body
What I did "WELL" yesterday...
At Home - was helped my wife prepared the iftar
At Work - was helped my boss find out the commercial file for review

What I did "BADLY" yesterday.....
AT Home - forgot to buy ice cube for iftar
At Work - i was broken my rules

What was the act of "KINDNESS" I did .....
At Home - helping my wife prepared for the food, vacuum the living room, laundry our clothes and others
At Work - finding the file, disburse my friend financing, check for the delinquent of the customer, swiped the floor, and give some duit raya to child.

# data[].attributes.body
Eliza Fiza Zulkifle

Day 3 - Reflection for Day 2

What I did "WELL" yesterday...

At Home - clean up messy house
At Work -give attention to my training

What I did "BADLY" yesterday.....
AT Home - didnt cook
At Work - forget to follow up customer

What was the act of "KINDNESS" I did .....
At Home - I treat my family members dinner
At Work -  help my colleague attend and solve their client needs

# data[].attributes.body
What I did "WELL" yesterday...
At Home - I cook my feveret food for iftar
At Work - I managed to proses a financing file (last minit file)

What I did "BADLY" yesterday.....
AT Home - Forgot to pack the clothes to go back to the village (so, i didn't get to go back to village tonight)
At Work - Forgot to unplug the switch plug pc

What was the act of "KINDNESS" I did .....
At Home - had time to share food with my neighbors
At Work - help new staff to get his new ID for Agrobank system

# data[].attributes.body
What I did "WELL" yesterday...
At Home - bought some foods for my family member for iftar. (eg: ayam panggang & etc)
At Work - Fully attended/participate my training session.

What I did "BADLY" yesterday.....
AT Home - Nothing
At Work - Nothing

What was the act of "KINDNESS" I did .....
At Home - cooking, spend time together with my families (eg: went shopping together)
At Work - help others (eg: attend their customer when they're not in the office)

# data[].attributes.body
What I did "WELL" yesterday...
At Home - get up early and do house chore
At Work - help customer settle her problem with internet banking and hand out donation (donation by branch staff) to mosque

What I did "BADLY" yesterday.....
AT Home - lupa siram pokok
At Work - tak fokus kerja (raya mood 🤣)

What was the act of "KINDNESS" I did .....
At Home - playing with my cat 🥰
At Work - helping others on their work.

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Goal Setting

Where will you be and what position will you take up in
1 year - position Permanent DST
5 years - Permanent RBO

How much savings you would have
1 year - RM25,000 (by 2023)
5 years - RM 80 000 (by 2027)

Wealth/Properties (ie house/car/land/motorbike)
1 year - House, Car (yaris), Gold
5 years - House , Car (toyota wish),Gold,land (few hectare that can build 2 houses are enough :)

Personal Development/ Personal Reward
1 year - self knowledge/skills/talents (reward: grateful to help others, better salary, secure career)
5 years - financially stable, better career, improving wealth, health (reward: do hajj/umrah with families, travelling around the world (eg:cappadocia,turkey)

What habits have you developed
1 year - learn something new regarding to knowledge, skills & everything that can make me grow as a successful person. enjoy every moment.

5 years - help others with the knowledge that I have, develop a good relationship with everybody because you will learn one new skills/knowledge from each and everyone you know new. sharpen my new skills so that I can be a better superior in the next 10 years.

# data[].attributes.body
What I did "WELL" yesterday...
At Home - Mengemas rumah
At Work - Boleh hantar permohonan pembiayaan peribadi pelanggan yang telah lengkap

What I did "BADLY" yesterday.....
AT Home - Tak sempat masak sebab dah lewat
At Work - tunggu customer selama 2 jam dari pukul 6 ke pukul 8 malam

What was the act of "KINDNESS" I did .....
At Home - Bantu mak kemas rumah
At work - Sabar menunggu customer selama 2 jam walaupun at the end dia betul2 tak datang

# data[].attributes.body
What I did "WELL" yesterday...
At Home - Settle kemas beg raya.nak balik kampung.yeayyy..
At Work - Berjaya yakinkan customer untuk submit financing..Lulus financing customer sbb customer nak guna duit untuk raya.

What I did "BADLY" yesterday.....
AT Home -Malas nak iron baju untuk pergi kerja.Pagi ni dah kelam kabut😂
At Work - Meja terlalu bersepah sampai xnampak file.stamp pad pun hilang..

What was the act of "KINDNESS" I did .....
At Home - Sempat masak untuk berbuka walaupun smp rumah dah pukul 7.simple2 pun kenyang.Nasi & sup ayam,ayam goreng.Malam kita cari kedai mamak mkn mee goreng mamak😂
At Work - Walaupun busy tetap bagi komitmen untuk memudahkan urusan harian.ramai dah start cuti.banyak kena backup kerja org lain.xpe.dapat pahala😘

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3. Suka Menyanyi

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Weaknesses
1. Cepat Sedih
2. Low Confident Level
3. Suka Pendam

Strengths
1. Berani Bersuara
2. Mudah Bergaul
3. Sangat Positif

# data[].attributes.body
How do you know a PROSPECT?
Prospect , pelanggan yang berminat mereka akan memberi respon yang baik semasa kita membuat penerangan dan menunjukkan minat jika diminta untuk menyediakan dokumen apabila diperlukan.

How do you know a SUSPECT?
Suspect, pelanggan datang dengan menyatakan bahawa mereka hanya ingin membuat survey atau nak compare rate dengan bank-bank lain.

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1.❤️Berhijab
2.❤️Muka Bulat
3.❤️Suka Menyanyi
4.❤️Suka Mengemas
5.❤️Pendiam
6.❤️Pemalu
7.❤️Sukakan Muzik
8.❤️Suka Mendengar
9.❤️Mudah Bergaul
10.❤️Pendek
11. Suka Memasak
12. Suka Minum Susu
13. Suka Berhias
14. Suka Memasak
15. Sukakan Cabaran
16. Penyayang
17. Humble
18. Suka Berdeco
19. Suka Berinai
20. Pakai Heel
21. Suka Warna Hitam
22. Suka Makan
23. Sabar
24. Humoris
25. Kreatif
26. Integeriti
27. Kreatif
28. Idealis
29. Setia
30. Hormat
31. Adil
32. Pemaaf
33. Murah Hati
34. Sopan
35. Optimis
36. Tekun
37. Rajin
38. Disiplin
39. Penyayang
40. Bertanggungjawab
41. Berani
42. Percaya Diri
43. Tawakal
44. Bersyukur
45. Tegas
46. Berwawasan
47. Berfikiran Positif
48. Suka Menolong
49. Seorang yang Berdikari
50. Family Person

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Weaknesses
1. Terlalu percaya orang
2. Too sensitive
3. Public speaking

Strengths
1. Suka mencuba
2. Flexibility
3. Creativity

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Weaknesses
Mudah buat keputusan tanpa fikir panjang

Strength

Suka memberi
Pandai berdikari
Tegas
Peramah

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FINAL NEGATIVE CHARACTER

Tak sabar menunggu

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My 22 characteristic

3.jujur
4.berhijab
7.tegas
8.penyanyang
12) mudah buat keputusan
13) suka berdikari
14) suka travel
15) kening terbentuk
18) peramah
20) tegas
21) suka berniaga
25) suka membaca berkaitan ilmu hartanah
26) suka masak
28) suka Benda klasik
29)suka tempat2 fresh mcm air terjun,hutan
31) suka warna biru
33)suka memberi
37)minat rumh 1 tingkat
39)xsabar menunggu
42)suka picnic
44)Mata yg bulat
46)suka kemas rumah

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Honest

# data[].attributes.body
Weaknesses
1.
2.
3.

Strengths
1.
2.
3.

# data[].attributes.body
Weaknesses
1. Shy
2. Anxiety
3. Cepat rasa down

Strengths
1. Flexible
2. Independent
3. Fast learner

# data[].attributes.body
Weaknesses
1. Cepat down
2. Takut pada kegagalan
3. Boros

Strengths
1. Mudah bergaul
2. Pemurah
3. Penyayang

# data[].attributes.body
Weaknesses
1. Hati tisu
2. Garang
3. Terlalu teliti

Strengths
1. Cepat belajar
2. Pemaaf
3. Penyayang

# data[].attributes.body
Weaknesses
1. sikit2 nak update status ig/fb/whatsapp status
2.suka filter yg flawless
3.xsuka bersukan

Strengths
1. cantik
2. berkulit putih
3. fokus bila bekerja

# data[].attributes.body
Weaknesses
1.terlalu rilex
2.sukar buat keputusan
3.sensitif

Strengths
1.fast leaner
2.good listening
3.loyal

# data[].attributes.body
19. Mudah rasa geli

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Nothing

# data[].attributes.body
Weaknesses
1. Cepat marah
2. Overthinking
3.not focus

Strengths
1. Hardworking
2. Eager to learn
3. Frinendly

# data[].attributes.body
Weaknesses
1. Malas
2. Kuat makan
3. Not punctual

Strengths
1. Pantang dicabar
2. Senang sesuaikan diri
3. Peramah

# data[].attributes.body
Weaknesses
1. I have trouble/problem to say NO to people
2. too detail oriented until it takes a longer time to be done
3. overthinking

Strengths
1. Fast learner (keen to learn new things)
2. self motivation - think positively even something bad happened
3. Team Player (when it comes to participation in teamwork)

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Nothing

# data[].attributes.body
12. Cepat menangis
41. Suka bergurau

# data[].attributes.body
31. Kadang-kadang soft spoken

# data[].attributes.body
2. Self awareness
8. Baik hati
10. Penyanyang
13. Tak suka jam
15. Suka seluar track shoot
17. Rambut pendek
20. Kuku pendek
21. Suka makan makan kampung
23. Suka panjat gunung.
26. Tak suka kucing.
27. Suka harimau
28. Tak pandai nyanyi
29. Ada lesen B full tapi takde moto besar.
31. Kadang-kadang soft spoken
34. Suka mancing
35. Suka jogging
36. Suka cycling
37. Pandai ambil hati orang tua.
40. Suka pen faber castell
43. Suka naik bot tapi mabuk laut
45. Suka bawak kereta laju

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Nothing

# data[].attributes.body
32.sikit2 nak update status ig/fb/whatsapp status
33.suka filter yg flawless
47.xsuka bersukan

# data[].attributes.body
43. Suka tawar menawar msa beli brg

# data[].attributes.body
1.berhijab
2.honest
4.loving
5.kind
6.ambitious
7.sincere
8.loyal
11.happy
13.religious
16.confident
17.talkative
24.reliable
26.good listener
32.learner
33.persistent
34.helpful
36.organized
41.respectful
43.thoughtful
45.rational
48.thankful
50.grateful

# data[].attributes.body
1.brave
4.loyal
8.jujur
9.berhijab
10.pembersih
16.perempuan
17.seorang ibu
18.anak kedua
20.secure
26.fast leaner
28.rajin
31.kind
32.adil
34.sincere
35.considerate
36.religious
40.caring
41.respectful
42.grateful
44.trusted
45.family person
50.timeliness

# data[].attributes.body
1) chill
2) open
4) photogenic
5) suka senyum
7)  peramah
8) mudah kerjasama
10) penyayang
12) suka main bola & futsal
23) suka main dengan anak
26) gentleman
27) problem solver
29) never give up
33) konfiden
35) sentiasa merendah diri
36) hormat org lebih tua
37) hormat org lebih muda
41) lemah lembut bila berbicara
42)bersederhana
43) tidak suka menunjuk
47)sukakan cabaran
49) sentiasa cermin diri

# data[].attributes.body
34. Half rabun

# data[].attributes.body
7. Memakai gelang tangan
8. Memakai rantai leher
13. Suka bergurau
17. Rajin
18. Suka mengemas
19. Mudah rasa geli
20. Suka membantu
25. Suka memberi nasihat
31. Tidak suka makanan Manis
32. Tidak suka makanan masin
33. Tidak suka makanan berminyak
34. Suka makan or minum makan bersup
35. Suka karaoke
36. Suka minum coffee susu
37. Suka memakai kasut sukan
39. Suka anjing
41. Suka makan sushi
43. Suka ikan masak sweet sour
44. Tidak suka ditengking
47. Tidak suka rumah berselerak
48. Tidak suka kasut kotor
50. Suka beli barangan kemas

# data[].attributes.body
17. Fun
18. Always use watches
19. Good dancer
21. A good-chef of myself
24. Humble
25. Confident
26. Sweet smile
27. Funny
28. Calm
30. Creative
32. Flexible
33. Drama-free
37. Fast learner
38. Cake lover
42. Beach lover
43. Always use jeans
39. Love travel
46. Short-hair
48. Punctual

# data[].attributes.body
1.cantik
2.badan berisi sikit
3.berkulit putih
4.Periang
6.Suka pakai heels 5inci
7.Suka menyanyi
9.berhijab
10.Pink Lover
13.tidak suka berbaju kurung
15.fokus bila bekerja
19.Suka shopping
20.Suka pakai barang kemas
23.nescafe lover
28.Perempuan tulen
31.Suka main tiktok
32.sikit2 nak update status ig/fb/whatsapp status
33.suka filter yg flawless
35.xsuka western food
38.xsuka fikir benda yang xmasuk akal
40.mata bulat macam bola
41.Warna mata hitam
44.Suka.coklat cadbury
45.Pergi mana2 mesti akan beli 1 brg xkisah la wlupun tisu je
47.xsuka bersukan
49.Hormat pada org yg lebih tua
50.Pendengar yang setia

# data[].attributes.body
1. Peramah
2. Mudah bergaul
3. Berfikiran terbuka
4. Pendengar yang setia
5. Mudah menolong
8. Berhijab
9. Periang
11. Hati lembut ( mudah kesian)
12. Cepat menangis
16. Tak suka buang masa
17. Suka peluk kawan yg sedih
18. Suka kongsi makanan
20. Suka senyum
22. Suka kanak kanak
23. Penyayang
26. Suka kumpul emas
32. Bertanggungjawab
37. Berani
41. Suka bergurau
42. Mudah terhibur
46. Suka air terjun
48. Suka makan buah dan sayuran

# data[].attributes.body
2. Brave
3. Ambitious
8. Helpfull
11. Humorous
12. Humble
15. Loyal
18. Happy go lucky
20. Suka memasak
24. Suka menyanyi
25. Suka mekap
28. Timelines
33. Berdikari
34. Half rabun
37. Pandai masak
38. Suka warna terang²
40. Friendly
41. Ceria
43. Suka tawar menawar msa beli brg
44. Coffee lover
45. Anak ayah
48. Manja ngn family
50. Comel... Hehe

# data[].attributes.body
2. Brave
3. Ambitious
8. Helpfull
11. Humorous
12. Humble
15. Loyal
18. Happy go lucky
20. Suka memasak
24. Suka menyanyi
25. Suka mekap
28. Timelines
33. Berdikari
34. Half rabun
37. Pandai masak
38. Suka warna terang²
40. Friendly
41. Ceria
43. Suka tawar menawar msa beli brg
44. Coffee lover
45. Anak ayah
50. Comel... Hehe

# data[].attributes.body
1. Adventurous15th
2. Brave
3. Ambitious
4. Sometimes easy to anger16th
5. Childish10th
6. Clumsy1st
7. Confuse14th
8. Helpfull
9. Independence28th
10. Sometimes nervous2nd
11. Humorous
12. Humble
13. Suka berangan3rd
14. Penyayang17th
15. Loyal
16. Pemurah18th
17. Sometimes feel wise19th
18. Happy go lucky
19. Seorang yg adil20th
20. Suka memasak
21. X pentingkan diri sendiri21th
22. Cita² kurus13th
23. Hobi makan4th
24. Suka menyanyi
25. Suka mekap
26. Suka pakai baju baru22th
27. Versatile5th
28. Timelines
29. Sometime sweet12th
30. Sometimes picky6th
31. Sometimes impatient23th
32. Kadang² garang24th
33. Berdikari
34. Half rabun
35. Tak suka pakai spek25th
36. Sentiasa panas di musim sejuk26th
37. Pandai masak
38. Suka warna terang²
39. Garang7th
40. Friendly
41. Ceria
42. Kdg² introvert ngn org xkenal8th
43. Suka tawar menawar msa beli brg
44. Coffee lover
45. Anak ayah
46. Pandai bwk mpv27th
47. Bawak kereta laju kdg²9th
48. Manja ngn family
49. Boros11th
50. Comel... Hehe

# data[].attributes.body
MY 50 Characteristic

1) chill
2) open
3) sport man  (27)
4) photogenic
5) suka senyum
6) perasan hensem  (8)
7)  peramah
8) mudah kerjasama
9) kelam kabut (7)
10) penyayang
11) suka hiking  (25)
12) suka main bola & futsal
13) suka jogging  (20)
14) suka tegur org dulu  (26)
15) wajib tidur 6 jam  (22)
16) tak suka menunggu  (19)
17) berat 75kg  (21)
18) tinggi 170cm  (18)
19) sukakan gajet  (6)
20) suka brand nike  (9)
21) suka mengemas rumah (23)
22) suka main ps4  (10)
23) suka main dengan anak
24) romantik  (25)
25) suka lagu-lagu tradisional (11)
26) gentleman
27) problem solver
28) winning mentality  (1)
29) never give up
30) midfielder of my football team  (12)
31) tak suka tunggu orang (2)
32) bergerak solo bila bekerja  (3)
33) konfiden
34) suka motor scooter   (4)
35) sentiasa merendah diri
36) hormat org lebih tua
37) hormat org lebih muda
38) sukakan kerja yang pantas (24)
39) tidak kreatif   (17)
40) suka movie suits  (5)
41) lemah lembut bila berbicara
42)bersederhana
43) tidak suka menunjuk
44) tak suka update di social media (28)
45) silent reader (dlm group whatsapp ataupun di socmed  (16)
46) sentiasa update dgn isu semasa (viral)  (13)
47)sukakan cabaran
48) tak suka diejek tp suka diperli (14)
49) sentiasa cermin diri
50) suka berlari dr berjalan (15)

# data[].attributes.body
Prepare presentation using PPT and present the FAB of 2 or your chosen product...

# data[].attributes.body
Where will you be and what position will you take up in
1 year - I will be one of the Top Sales Staff di Agrobank
5 years - I will be an officer memandangkan sekarang saya adalah officer (assistant)

How much savings you would have
1 year - RM500 per month so i will have around rm6000 this 31 dec 2022 (i start menabung 1st jan 2022)
5 years - Jika saya teruskan dengan menabung rm500 sebulan, saving saya pada 5 tahun lagi akan lebih dari rm30k.

Wealth/Properties (ie house/car/land/motorbike)
1 year - Ada rumah yang selesa (sekarang dalam renovation-buat sikit-sikit)
5 years- Ada tanah atas nama sendiri di kampung dekat dengan rumah ayah (mungkin dalam loan lagi)

Personal Development/Personal Reward
1 year - Dalam setahun, saya nak reward diri saya rantai emas boba sebab dah berjaya menabung untuk tahun 2022
5 years - Kereta yang selesa ( angan2 nak vellfire,tp tengok keadaan kewangan masa tu)

What habits have you developed
1 year- focus untuk menabung demi target
5 years - tanamkan dalam diri yang setiap target mesti ada usaha, bukan hanya kata-kata.

# data[].attributes.body
Where will you be and what position will you take up in
1 year - Unit Head
5 years - Section Head

How much savings you would have
1 year - Rm8,000
5 years - Rm40,000

Wealth/Properties (ie house/car/land/motorbike)
1 year - motorbike
5 years - land

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year - RBO
5 years - RBO

How much savings you would have
1 year - RM5000
5 years - RM35,000

Wealth/Properties (ie house/car/land/motorbike)
1 year - HOUSE, CAR
5 years - SECOND HOUSE (InsyaAllah)

Personal Development/ Personal Reward
1 year - TOP PERFOMERS 2018
5 years - TOP LEADERS 2027 🤣

What habits have you developed
1 year :-

1. Begin My Day With Supplement

2. Be Grateful for What I Have

3. Smile

4. Eat a Healthy Breakfast

5 years :-

1. Begin My Day With Supplement

2. Be Grateful for What I Have

3. Smile

4. Eat a Healthy Breakfast

5. Exercise

# data[].attributes.body
Where will you be and what position will you take up in
1 year - Top RBO
5 years - menjdi petani yang berjaya (ada tanah sendri)

How much savings you would have
1 year - 20k
5 years - 100k

Wealth/Properties (ie house/car/land/motorbike)
1 year - new car (civic)
5 years - 2nd house

Personal Development/ Personal Reward
1 year - top rbo 2022
5 years - dapat pergi haji bersama family

What habits have you developed
1 year - stress free habit
5 years - hardworking

# data[].attributes.body
Where will you be and what position will you take up in
1 year - BSU
5 years - AUDITOR

How much savings you would have
1 year - 12K
5 years - 60K

Wealth/Properties (ie house/car/land/motorbike)
1 year - KERETA
5 years - RUMAH

Personal Development/ Personal Reward
1 year - Beli barangan kemas
5 years - Pergi melancong bersama keluarga ke Sabah dan Semenanjung Malaysia

What habits have you developed
1 year - Masa bersama keluarga
5 years - Kesihatan yang sentiasa sihat

# data[].attributes.body
Where will you be and what position will you take up in
1 year - saya akan berada di agrobank sebagai permanent DST / RBO

5 years - 5 tahun akan datang saya akan berada didalam sektor kerajaan sebagai seorang penjawat awam di mana2 badan kerajaan dalam bidang tugas perkeranian dan operasi .  Saya sangat meminati jawatan tersebut dah telah cuba memohon beberapa kali daripada habis sekolah sehingga sekarang tetapi masih belum ada rezeki memihak kepada saya . Saya tidak akan putus asa dan akan sentiasa berusaha sedaya upaya saya untuk memastikan bahawa jawatan itu akan dapat saya sandang kelak .

How much savings you would have
1 year - akan ada saving setahun Minimum RM5k ..kerana saya akan saving setiap bulan RM300 - RM500 untuk emergency case / melancong . Sekiranya ada lebih saya akan simpan lebih banyak . (2023)

5 years - 100k kerana dalam masa 5 tahun akan datang saya merancang untuk menunaikan umrah dan haji bersama keluarga (2027).

Wealth/Properties (ie house/car/land/motorbike)
1 year -  Mpv car ( Perodua Aruz) red colour
5 years - Gold Bar

Personal Development/ Personal Reward
1 year -  kewangan yang stabil / karier yg lebih baik
5 years - mempunyai harta yang sudah lengkap seperti rumah .kereta , motor dan sebagainya . / kewangan yg stabil .

What habits have you developed
1 year - belajar sesuatu yg dapat memberi manfaat kepada diri sendiri dan orang lain . Menjadi seorang yang lebih berdisiplin dan bertanggungjawab.

5 years - sentiasa membantu org yg memerlukan bantuan . Sentiasa focus on target . Dan sentiasa focus untuk menabung 💪🏻

# data[].attributes.body
Where will you be and what position will you take up in
1 year -Officer
5 years -Asst. Branch Manager

How much savings you would have
1 year - 15k
5 years -50k

Wealth/Properties (ie house/car/land/motorbike)
1 year - 1 House double storey/3 cars (Honda city,honda civic & viva/gold (15k)
5 years - 1 House double storey/1 bungalow at my own land/4 cars/gold (25k)

Personal Development/ Personal Reward

1 year - 2 times up with upgredding my gred / 2 babies
5 years - 4 babies (twins)

What habits have you developed
1 year - very hardworking (18 hours boleh call/whatsapp pasal kerja)
5 years - work smart & sucess to get new customer to love Agrobank.from 50 to 500 new person .

# data[].attributes.body
Where will you be and what position will you take up in
1 year - Agrobank (Permanent DST)
5 years - Graduated from UiTM (Master Degree in Business Science)

How much savings you would have
1 year - 10k (2023)
5 years - 25k (2027)

Wealth/Properties (ie house/car/land/motorbike)
1 year - Car
5 years - Land & House

Personal Development/ Personal Reward
1 year - Buy new gold ring
5 years - Travel to Boracay, Philippines

What habits have you developed
1 year - always saving person and not to extravagants spending more than necessary
5 years - Better person in life.

# data[].attributes.body
Where will you be and what position will you take up in
1 year - Officer
5 years -

How much savings you would have
1 year - 10k
5 years - 50k

Wealth/Properties (ie house/car/land/motorbike)
1 year - House
5 years - Land

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year -  Senior Executive (naik grade dr exec 3 ke exec 2)
5 years - Senior Executive (in other department)

How much savings you would have
1 year - 15k
5 years - 225k

Wealth/Properties (ie house/car/land/motorbike)
1 year - Honda CRV (Family Car), myvi 1.5 (work)

5 years - investment properties stability ROI almost 200k-400k, White Vellfire, house land @ johor simpang renggam near my family house. Costing 100k to build a house there.

Personal Development/ Personal Reward
1 year - Development: To achieve sales target utk Kpi and dapatkan komisyen monthly 3k-4k.
Personal Reward - Umrah trip for my. Family (cost RM 27k), Nike phantom Venom boots (RM 1.2k). Apple Watch for my Wife (RM 1.9k).

5 years - Personal Development : To be successful in sales department & find new challenges in HR department either in Agrobank or not.

Personal Reward: Rumah, kereta & investment in properties income.

What habits have you developed
1 year - Positive Attitude
5 years - Matured during Desicion Making

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -

# data[].attributes.body
Where will you be and what position will you take up in
1 year - leader(lead team)
5 years -have my own property agency

How much savings you would have
1 year - 20k
5 years -100k

Wealth/Properties (ie house/car/land/motorbike)
1 year - 2house
5 years -5unit house,1acre land with challet(apartment &, landed) 1 car(minicooper)

Personal Development/ Personal Reward
1 year - top achiever in real estate negotiator
5 years - top agency in malaysia

What habits have you developed
1 year - develop team members,partners
5 years - recruitment whole Malaysia,become top leader among all agency Malaysia

# data[].attributes.body
Where will you be and what position will you take up in
1 year -
5 years -

How much savings you would have
1 year -
5 years -

Wealth/Properties (ie house/car/land/motorbike)
1 year -
5 years -

Personal Development/ Personal Reward
1 year -
5 years -

What habits have you developed
1 year -
5 years -