1) Saleem, a minor student from Bangladesh, took out a loan of RM5,000 from Krishnamoorthy to help his family affected by floods. However, Saleem had misrepresented being over 18 by calculating his age according to the Islamic calendar. 2) Under Malaysian law, minors lack legal capacity to enter enforceable contracts. Any contract entered into by a minor is voidable. 3) While there are some exceptions for taxes, penalties, and necessities, the contract between Saleem and Krishnamoorthy would be void since loans do not fall under these exceptions. Saleem cannot be enforced to repay the loan.