Case Study
Meet
Adam & Sofia...
- Disclaimer – The stories shared are based on real case studies, but all names and identifying details have been changed to protect client confidentiality.
Background
Adam and Sofia are a married couple with two child. Despite a combined household income of RM6,000, they were struggling with overwhelming monthly commitments:
- 4 Credit Cards: RM50,000 outstanding (Minimum payment RM2,500)
- Personal Loan: RM600
- House Loan: RM1,200
- 2 Car Loans: RM900
👉 Total Monthly Commitment: RM5,200
👉 Leaving them with only RM800 for living expenses.
The solution
Through Signasure’s guidance, Adam and Sofia secured a new personal loan of RM70,000 @ 3.5% for 7 years, with a monthly installment of RM1,008.33. This allowed them to:
- Consolidate all credit card debts and personal loan into one simple repayment
- Reduce total monthly commitments by RM2,091.67
The Result
With one smart move, Adam and Sofia regained control of their finances, reduced stress, and freed up cash flow to better support their family.
- Previous Monthly Commitment: RM5,200
- New Monthly Commitment: RM3,108.33
- Savings Each Month: RM2,091.67
Like Adam and Sofia, many Malaysians were once trapped in debt, rejected by banks, or overwhelmed by financial stress. With Signasure’s proven consulting approach, they found a way forward—turning “no” into “yes” and debt into relief.
