How To Create Spellnumber In My Country Currency

I am using below code, but it only untill 19,999. Amount from 20,000 and above only show thousand? Please help!

For 19,999 it show
Ringgit Malaysia : Nineteen Thousand Nine Hundred NinetyNine Only

For 20,000 and above it show
Ringgit Malaysia : Thousand Only

Code as below:

Function SpellNumber(amt As Variant) As Variant
Dim FIGURE As Variant
Dim LENFIG As Integer
Dim i As Integer
Dim WORDs(19) As String
Dim tens(9) As String
WORDs(1) = "One"
WORDs(2) = "Two"
WORDs(3) = "Three"
WORDs(4) = "Four"
WORDs(5) = "Five"
WORDs(6) = "Six"
WORDs(7) = "Seven"
WORDs(8) = "Eight"
WORDs(9) = "Nine"
WORDs(10) = "Ten"
WORDs(11) = "Eleven"
WORDs(12) = "Twelve"
WORDs(13) = "Thirteen"
WORDs(14) = "Fourteen"
WORDs(15) = "Fifteen"
WORDs(16) = "Sixteen"
WORDs(17) = "Seventeen"
WORDs(18) = "Eighteen"
WORDs(19) = "Nineteen"

tens(2) = "Twenty"
tens(3) = "Thirty"
tens(4) = "Fourty"
tens(5) = "Fifty"
tens(6) = "Sixty"
tens(7) = "Seventy"
tens(8) = "Eighty"
tens(9) = "Ninety"

FIGURE = amt
FIGURE = Format(FIGURE, "FIXED")
FIGLEN = Len(FIGURE)

If FIGLEN < 12 Then
FIGURE = Space(12 - FIGLEN) & FIGURE
End If

If Val(Left(FIGURE, 9)) > 1 Then
SpellNumber = "Ringgit Malaysia : "
ElseIf Val(Left(FIGURE, 9)) = 1 Then
SpellNumber = "Ringgit Malaysia "
End If

For i = 1 To 3
If Val(Left(FIGURE, 2)) < 20 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & WORDs(Val(Left(FIGURE, 2)))
ElseIf Val(Left(FIGURE, 2)) > 19 Then
Ntow = Ntow & tens(Val(Left(FIGURE, 1)))
SpellNumber = SpellNumber & WORDs(Val(Right(Left(FIGURE, 2), 1)))
End If

If i = 1 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & " Crore "
ElseIf i = 2 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & " Hundred "
ElseIf i = 3 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & " Thousand "
End If
FIGURE = Mid(FIGURE, 3)
Next i

If Val(Left(FIGURE, 1)) > 0 Then
SpellNumber = SpellNumber & WORDs(Val(Left(FIGURE, 1))) + " Hundred "
End If

FIGURE = Mid(FIGURE, 2)

If Val(Left(FIGURE, 2)) < 20 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & WORDs(Val(Left(FIGURE, 2)))
ElseIf Val(Left(FIGURE, 2)) > 19 Then
SpellNumber = SpellNumber & tens(Val(Left(FIGURE, 1)))
SpellNumber = SpellNumber & WORDs(Val(Right(Left(FIGURE, 2), 1)))
End If


FIGURE = Mid(FIGURE, 4)


If Val(FIGURE) > 0 Then
SpellNumber = SpellNumber & " And Cents "
If Val(Left(FIGURE, 2)) < 20 And Val(Left(FIGURE, 2)) > 0 Then
SpellNumber = SpellNumber & WORDs(Val(Left(FIGURE, 2)))
ElseIf Val(Left(FIGURE, 2)) > 19 Then
SpellNumber = SpellNumber & tens(Val(Left(FIGURE, 1)))
SpellNumber = SpellNumber & WORDs(Val(Right(Left(FIGURE, 2), 1)))
End If
End If
FIGURE = amt
FIGURE = Format(FIGURE, "FIXED")
If Val(FIGURE) > 0 Then
SpellNumber = SpellNumber & " Only "
End If
End Function