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Perniagaan Research & Development

Bila Berniaga Kena Pandai Berjimat Cermat

Assalamualaikum dan salam hormat,

Bila masuk bidang perniagaan, kena pandai berjimat cermat dan tahu untuk mengurus sumber kewangan yang sedia ada. Penting sungguh bab ni sebenarnya.

Baru-baru ni admin ada singgah sat dekat pejabat MARA Jitra untuk bertanyakan tentang perihal pinjaman untuk mengembangkan bisnes ( saja tanya, mana tau kot-kot ada peluang kan….. ). Emmmm……..agak menghampakan kerana syarat pada peringkat awal sudah terkeluar daripada syarat utama yang admin amalkan iaitu berjimat cermat. Kenapa?. Buah mola depa suruh sewa kedai atau kena ada premis perniagaan…………..baru lah layak untuk memohon sebarang pinjaman. Emmmm, admin tanya setakat tu saja laaaa sebab syarat yang diberi admin tak dak dan tak layak ( admin guna konsep berniaga dari rumah + internet ).

Admin berniaga 10 tahun dah,  dari modai RM60 sampai laa ni. Premis perniagaan hanya dekat rumah yang ada internet berkelajuan tinggi ( 2 mbps…….depa kata berkelajuan tinggi ) dan tak pernah sewa kedai atau premis perniagaan ( kecuali rumah sewa harga RM250 sahaja ).  Semua tu semata-mata untuk menjimatkan kos ( hampa tau dak kalau ikut syarat MARA bagi tu, berapa det dah admin akan rugi? ). Di dalam bisnes, bukan hasil jualan yang admin ambil kira tetapi untung bersih. Pasainya, dari untung bersih ni laaa nanti kita akan rembat segalanya untuk bayar segala keperluan untuk menampung segala kos. Emmm…hasil jualan adalah kos tetap yang tak boleh dikacau sama sekali. Dalam sebulan, admin hanya perlu RM 3 ribu hingga RM 4 ribu sahaja sebagai target untung kritikal. Paling sikit RM 2 ribu dan dengan target paling sikit iniiiii punnnnnnnnnnnn, admin masih lagi boleh menjalankan bisnes dengan keadaan yang begitu bergaya sekali ( yang ni kena belakon sahaja ) dan biasanya hasil akan dapat lebih dari target kritikal tersebut. Beban kos kekal yang kritikal dan perlu ada untuk setiap bulan  adalah di bawah paras RM 1k sahaja ( heee..heeee memang jimat gila beb ).

Untuk kes MARA tadi, admin memang mampu untuk membuat bayaran balik ( ikut hukum akal yang terbatas ) pinjaman tersebut tetapi jika ikut syarat yang MARA tetapkan mungkin admin terpaksa surrender ( ikut hukum akal juga ). Emmmmm, ada ka kos sewa premis perniagaan atau kedai kawasan hotspot dan segala kos tambahan di bawah RM 500? ( mungkin ada tetapi hampir tiada ). Sekarang ni untuk tembus market hotspot cukup dengan adanya kuasa kuda rangkaian internet berkelajuan tinggi. Emmm………… lagi satu perkara penting, pencapaian hari ini tidak mencerminkan untuk esok hari dan kita perlu memilih bajet yang paling sedikit untuk hasil pencapaian esok hari yang tidak menentu supaya perniagaan terus bertahan dan terus bertahan. Jika MARA dapat mengubah stratergi  untuk membantu usahawan yang baru meningkat naik melalui kaedah suntikan dana penyambung hayat yang ada sekarang ini, admin pasti kadar tidak mampu bayar dan cabut lari dari kalangan peminjam dapat dikurangkan.

Sekian terima kasih dan selamat majujaya.

 

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Marketing

NooCube Malaysia

Nootropics Malaysia

 

Hello World!,

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Alpha GPC – Alpha Glycerylphosphorylcholine (GPC) increases acetylcholine levels to improve memory, learning, and concentration.

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L-theanine – L-theanine is an amino acid that relieves stress while simultaneously stimulating the neurotransmitters already in the brain.

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Thank You and have a nice trade.