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Stanley Chartered
Home Plus
Brought to you by: Home Plus Consulting Team Chia Sin Wei, Eileen
Goh Mei Xuan, Casherine
Koh Shu Xin Mah Ting Hui Tan Yen Ling Joyce Tan Jia Hui
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Stanley CharteredIntroduction
…Banking activities
Same purpose as conventional banking
Consistent with Principles of Islamic Law (Sharia)
Prohibits RIBA
2007 in Singapore Islamic Bank of Asis (IB
Asia)
Islamic banks formed in late 20th Century
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Stanley CharteredHaram
(Unlawful)
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Stanley CharteredBasic
Terms…English Sharia
Interest Riba
Lawful/Unlawful Halah/Haram
5 Concepts:- Profit Sharing- Safekeeping- Joint Venture- Cost Plus- Leasing
- Mudharabah- Wadiah- Musharakah- Murabahah- ljarah
Gift Hibah
Insurance Takaful
Mortgage Loan Pinjaman Gadai Janji
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Stanley Chartered
Home Plus
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Stanley Chartered
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Stanley Chartered
† Aged 25 – 35 Working Adults (Couples/Families)
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Stanley Chartered
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Stanley CharteredEntering the Market
†Large Scale Entry Mode‡ Aims to capture huge market share‡ Leader Market Dominance Strategies
†Reasons‡ To create a bigger impact on customer‡ Market dominance/leadership‡ Given sufficient funds to conduct large scale‡ Achieve economies of scale in long term‡ Reduce barriers of entry ‡ Creation of product differentiation easily
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Stanley Chartered
Gifts $14,000
Two hundred $50 TANGS Shopping Voucher $8,000
Freebies $6,000
Marketing $92,124
Press Conference $5,320
Brochures $58,520
Booth at 4 MRT Stations $14,124
Promoters at booth $11,520
Telemarketing Interns $2,640
Advertising $328,230
Taxi $45,360
Bus $107,280
Bus Stop $66,150
Newspaper $109,440
Spare/Reserved Funds $65,646
Total $500,000
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Stanley Chartered
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Stanley Chartered
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Stanley Chartered
Home Plus Home
FinanceInsuranc
ePremier Current & Savings
AccountTakaful Edu-Fund (optional)
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Stanley Chartered
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Stanley Chartered
Fixed Rate (Inclusive of Insurance Premium)Tenor Profit Rate Financing Tenor Margin of
Financing
Year 1-5 Fixed at BFR – 2.99%
Up to 25 years89% without
MT/HBT*
99% with MT/HBT*
Year 6-10 Fixed at BFR – 0.99%
Year 10-20 Fixed at BFR - 0.499%
Year 20-25 Fixed at BFR + 1.39%
*Mortgage Takaful / Homebuilding Takaful
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Stanley Chartered
Variable Rate (Inclusive of Insurance Premium)Private Residential and HDB Properties(Minimum Financing amount of SGD100,000 for ZEC and SGD150,000
for ZEC & EPA)
Type Non - ZEC ZEC ZEC & EPAEffective Rate Year 1 : 1.99%
(with MT)2.99% (w/o MT)
Thereafter : BFR – 1.75%
Year 1: 2.99% (with MT)4.44%
(w/o MT)
BFR - 1.50% (with MT)
BFR - 1.40% (w/o MT)
Financing Tenor † Normal - Up to 30 years or age 60 whichever is earlier
† Professionals and graduates – Up to 40 years or age 65 whichever is earlier
Margin of Financing
† Up to 89% without MT & HBT† Up to 99% with MT & HBT
Selling Price Rate
Based on prevailing BFR +2.99% or 9.99%, whichever is higher
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Stanley Chartered
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Stanley Chartered
Branch Network
Direct Mail
Road shows
Online Application
Fax
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Methods Ways
Email Advertising Email
Brochure Standard Chartered CountersRoad Show
Personal Selling Road show
Media InternetPress ConferenceNewspaper
Posters Road showBus StopMRT Station
Stanley Chartered
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Stanley Chartered
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Stanley Chartered
•Use of mouth-to-mouth marketing
•Provide good quality service
•Credibility achieve through word of mouth
• As customer tried before introducing to others
Viral Marketing
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Stanley Chartered
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Stanley CharteredRefere
ncesIslamic banking. (2009). Wikipedia The Free Encylpedia. Retrieved June 25, 2009, from http://en.wikipedia.org/wiki/Islamic_banking#Riba No gambling picture. (2009). Free Market foundation. Retrieved June 25, 2009, fromhttp://www.freemarket.org/Img/no%20gambling.jpg Islamic Banking- What is Islamic Banking. (N.D.). Institute of Islamic Banking and Insurance. Retrieved June 25, 2009, from http://www.islamic-banking.com/ibanking/whatib.php See no more pork pictures. (2009). Photobucket. Retrieved June 25, 2009, from http://media.photobucket.com/image/no%20pork/ronpitt305/No-pork.gif No alcohol picture. (n.d.). Design of Signage system. Retrieved June 25, 2009, fromhttp://www.designofsignage.com/
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Stanley Chartered
House. (n.d.). Yahoo! Singapore search. Retrieved June 25, 2009, fromhttp://sg.images.search.yahoo.com/images/view?back=http%3A%2F%2Fsg.images.search.yahoo.com%2Fsearch%2Fimages%3Fp%3Dhouse%26b%3D19%26ni%3D18%26ei%3DUTF-8%26pstart%3D1%26fr%3Dyfp-t 101&w=691&h=518&imgurl=www.unblog.com%2Fscrapbook%2F2005%2Fimages%2Fhouse.jpg&rurl=http%3A%2F%2Fwww.unblog.com%2Fscrapbook%2F2005%2Fhouse.html&size=63k&name=house+jpg&p=house&oid=de72dd2276e34a7a&fr2=&no=19&tt=73194052&sigr=11f7mr334&sigi=11enimgi3&sigb=131496ke6&type=JPG Fire insurance picture. (2009.) Yahoo! Singapore. Retrieved June 25, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=fire+insurance&fr=yfp-t-101&ei=utf-8&x=wrt Bank savings account picture. (2009). Yahoo! Singapore. Retrieved June 25, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=bank+savings+account&fr=yfp-t-101&ei=utf-8&x=wrt&y=Search Education funds picture. (2009). Yahoo! Singapore. Retrieved June 25, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=education+funds&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=163 Fax picture. (2009). Yahoo! Singapore. Retrieved June 26, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=fax&fr=yfp-t-101&ei=utf-8&js=1&x=wrt
References
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Stanley Chartered
Four-Ps picture. (2009). Easy-Marketing-Strategies.com. Retrieved June 26, 2009, fromhttp://www.easy-marketing-strategies.com/ What we do picture. (2008). United Auto Credit Corporation. Retrieved June 26, 2009, fromhttp://www.upfc.com/images/whatwedo.jpg Directmail picture.(2007). F Space Creative Marketing Design Studio. Retrieved June 26, 2009, fromhttp://www.fspacecreative.com/images/directmail.jpg Darren Magic picture.(n.d.). Flickr.com. Retrieved June 26, 2009, fromhttp://farm1.static.flickr.com/109/299276993_fbfba2a635_o.jpg Email picture. (n.d.). Rice Unix Facility. Retrieved June 26, 2009, fromhttp://www.ruf.rice.edu/~evolve/images/emailIcon.png Selling picture. (n.d.). Southern Wide City Real Estate. Retrieved June 27, 2009, fromhttp://www.southernwidecity.co.nz/site/page_teams/ Newspaper picture.(2006). Mary Maden. Retrieved June 27, 2009, fromhttp://www.marymaden.com/Newspaper.png
References
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Stanley Chartered
Press conference picture. (n.d.). Star Alliance The way the earth connects. Retrieved June 27, 2009, fromhttp://www.staralliance.com/int/press/media_library/images/Star/large-images/20050602_Press_Conference_1785x1187_l.jpg Education loan picture. (2007). EMRA. Retrieved June 28, 2009, fromhttp://www.emraloans.com/images/education_loan.jpg Families white picture.(2007). Photography by licata. Retrieved June 28, 2009, fromhttp://www.photographybylicata.com/images/familes_white_3.jpg Family people.(n.d.). Writing Down Lola. Retrieved June 28, 2009, fromhttp://writingjunkie.net/images/stlouis10-18-08/obama-family-people.jpg Employee picture. (2009). Yahoo! Singapore. Retrieved June 28, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=employee&fr=yfp-t-101&ei=utf-8&x=wrt Marketing strategies picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=marketing+strategies&ni=18&ei=utf-8&fr=yfp-t-101&fr2=sg-gac&xargs=0&pstart=1&b=55 Singapore bus stops picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=singapore+bus+stops&y=Search&fr=yfp-t-101&ei=utf-8&js=1&x=wrt
References
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Stanley Chartered
Press release picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=press+release&y=Search&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Budget picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=budget&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Good quality service picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=good+quality+service&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=37 Viral marketing picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=viral+marketing&fr=yfp-t-101&ei=utf-8&js=1&x=wrt Price tag picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=price+tag&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=19
References
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Stanley Chartered
Prices picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=prices&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=1 Education picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=education&js=1&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=19&ni=18 Banking activitys picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=banking+activities&fr=yfp-t-101&ei=utf-8&x=wrt
Islamic Banking picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=islamic+banking&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=55 Islamic law picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=islamic+law&js=1&ni=18&ei=utf-8&fr=yfp-t-101&xargs=0&pstart=1&b=73
Questions picture. (2009). Yahoo! Singapore. Retrieved June 29, 2009, fromhttp://sg.images.search.yahoo.com/search/images?p=questions&ei=UTF-8&fr=yfp-t-101&xargs=0&pstart=1&b=19&ni=18
References