Service
Interest, fee and repayment calculation audit
Customers sign what the origination application prints. If the rate, lock-in, or fee table in the application has drifted from the board-approved product sheet, the error is already in the contract. This engagement recalculates a sample and traces each difference back to a parameter, a rounding rule, or a manual edit.
Scope of recalculation
Instalment amounts, interest-in-suspense treatment where relevant, processing fees, early settlement illustrations printed at origination, and rebate methods on Islamic facilities when those illustrations are generated by the same application. We use the product parameters you supply in writing, not the values we happen to see on a screen.
What “small” differences mean
A few sen on a personal loan is still a finding if it is systematic. We quantify the sample difference and, where the pattern is consistent, describe how it would scale across the origination volume of the period. We do not extrapolate beyond the sample without saying so.
Fees and timing
The indicative fee assumes one conventional product family or one Islamic product family. Mixed books, stepped rates, and staff-loan variants add time because each parameter set is recalculated on its own terms.