hehehe financial

By 20dsk24f1100 | Updated: April 23, 2025, 4:31 a.m.

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Animation By 
Diploma sains Kesetiausahaan 2C 
Ashraf Daniel, Ammirul, Aqmal, Aida, Sharz

Hello
situations where insurance has helped individuals or families
recover from loss
I am:
Medical Emergency Coverage
	•	A young professional in Kuala Lumpur suffered a severe injury in a car accident. His comprehensive medical insurance covered the hospital bills and rehabilitation costs, allowing him to focus on recovery without financial stress.
Life Insurance for Family Protection
	•	A mother of two in Penang passed away unexpectedly. Her life insurance policy provided a lump sum to her family, ensuring her children’s education and daily needs were met. 
 Business Continuity Through Insurance
	•	A small business owner in Johor faced a significant loss due to a fire. His business insurance covered the damages, enabling him to rebuild and continue operations without laying off employees.

Conventional Life Insurance Provider in Malaysia: Prudential Malaysia
Overview
	•	PRUWith You Plus is a comprehensive life insurance plan offered by Prudential Malaysia. It combines protection and investment components, allowing policyholders to customize their coverage based on personal needs and financial goals. 
Protection and Coverage
	•	Life Coverage: Provides financial support to beneficiaries in the event of the policyholder’s death.
Critical Illness Rider: Optional add-on that provides coverage upon diagnosis of specified critical illnesses.

Takaful Life Insurance Product in Malaysia: Takaful SureCover by Zurich Takaful
Overview
	•	Takaful SureCover is a Shariah-compliant family takaful plan offered by Zurich Takaful Malaysia. It provides life protection up to the age of 90 with guaranteed acceptance and no medical check-ups required
Wakalah Model: Zurich Takaful operates under the Wakalah model, where the company acts as an agent managing the takaful fund on behalf of participants. 
	•	Tabarru’ (Donation): Participants contribute to a fund based on the principle of mutual assistance, where contributions are considered donations to help those in need.
	•	No Riba (Interest): Investments are made in Shariah-compliant instruments, avoiding interest-based earnings
 Compliance with Islamic Financial Principles and Ethical Considerations
but first: let's get to Financial Literacy for Young Adults
Why Young Adults Should Be Cautious with Credit Cards and Loans

1.Risk of Debt Accumulation

2.Negative Impact on Credit Score

3.Emptation to Overspend

Education Financing

i. Special Features or Privileges
	•	Financing up to RM400,000 to cover tuition fees and related expenses. 
	•	Flexible repayment terms tailored to the borrower’s financial situation.

ii. Criteria for Application and Supporting Documents
	•	Eligibility:
	•	Malaysian citizen. 
	•	Main applicant aged 18–35 years (undergraduate) or 18–45 years 
Financing Options Offered by Maybank
Vehicle (Hire Purchase) Financing

i. Special Features or Privileges
	•	Financing for new, used, and reconditioned vehicles. 
	•	Margin of finance up to 90% of the vehicle’s price. 
	•	Loan tenure up to 9 years (108 months).

ii. Criteria for Application and Supporting Documents
	•	Eligibility:
	•	Malaysian citizen. 
	•	Aged between 21–65 years. 
	•	Stable income source. 
	•	Supporting Documents:
	•	Identification documents (NRIC)
company name
Smart Habits for Managing Loan Payments Effectively
a. Create and Stick to a Budget

Develop a monthly budget that allocates funds for loan repayments, ensuring that payments are made on time without compromising other financial obligations.

b. Set Up Automatic Payments

Automating loan payments can help avoid missed deadlines, late fees, and negative impacts on your credit score.

c. Regularly Review Financial Statements

Monitor your loan balances and payment history to stay informed about your financial status and make adjustments as needed.

So if you're looking for a
Early personal financial education is not just about saving money — it’s about preparing for life. As young adults step into independence, understanding how to manage money becomes one of the most important skills they’ll ever learn.
Building a Strong Financial Foundation,
Planning for Future Goals,
Avoiding Common Financial Pitfalls

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Why it’s important?
Learning how to budget, save, and spend wisely helps young adults avoid unnecessary debtIt also builds habits that lead to long-term financial stabilityfinancial literacy helps young adults set short-term and long-term goals such as saving for a car, further education, or a future homeWithout financial knowledge, young people may fall into traps like credit card debt, impulse spending, or poor loan decisions.
THANKS YOU FOR WATCHING
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hehehe financial

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