You are planning to set up a restaurant. Your restaurant will be located at Section 2, Wangsa

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Question:

You are planning to set up a restaurant. Your restaurant will be located at Section 2, Wangsa Maju, Setapak, Kuala Lumpur. It is a location that has a high population density. The population in the area is diversed. Most of the residents in the area are working and they don't have time to cook. Currently, there is one mamak restaurant and 2 Chinese restaurants operating in the area. To do so, you need RM20,000 as a start-up capital. You are not eligible for bank loan and you don't have enough cash in your savings account to meet the capital requirement to run the restaurant. Your mom has offered her gold pendant to you to help you to fulfill your dream of having your own restaurant. These includes her wedding ring given by your late father to your mom during their wedding ceremony 40 years ago. You believe the gold pendant and the wedding ring is having a high sentimental value and they are the love symbol of your late father to your mom. The jewelry could be pawned at any Ar-Rahnu or conventional pawn broking for cash that could help you to get the RM20,000 needed to set up your restaurant. You could redeem the jewelry from the pawn broking once you have successfully accumulated enough cash to repay the loan amount should your business succeeded. The market prospect is still unpredictable due to the Covid-19 pandemic. The ongoing Movement Control Order (MCO) will force you to limit your operating hours until 10.00 pm daily. Besides, no dine in is allowed. However, home delivery is provided at extra charges. Extra costs will also incur due to the premise sanitation purpose due to the pandemic. The current political situation is uncertain. Any significant changes happened in the political scenario (E.g. changing of the ruling government) will directly affect the future business prospect. Will you accept your mom's offer?