CR is needed. but clearly not at this SP level( management point of view) big news coming expansion in to similar territory likes of Indonesia which fits well with in Malaysia s category. mostly targeting lower middle class which don't have much debt under their belt. all will take place before end of August. why? second payment is due before that. i see positive vibe from management. they didn't want to let the SP drop again so released small announcement. they have more under their belt. including the bigger one.
Ann: IOU Gains Shariah Certification & Signs PayHalal Agreement, page-24
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