Dilution, Loan & Equity Option
Source: https://coachadib.com/module/6ac03ba001e1173ecd02bab8
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[00:00:02.460 – 00:00:02.900] Dilution.

[00:00:03.520 – 00:00:08.300] Guys, kalau korang belajar topik ni, dah macam level koprak-koprak lah kita ni.

[00:00:09.040 – 00:00:10.240] Bercakap, tak cakap tak nak tahu.

[00:00:12.020 – 00:00:15.840] Dilution ni, Dilution Loan & Equity Option ni kalau awak cakap,

[00:00:16.620 – 00:00:17.400] Sexy baik.

[00:00:17.640 – 00:00:21.160] Cerita macam ni, Dilution ni adalah pencairan saham.

[00:00:21.620 – 00:00:23.160] By the way, saya tak layan nak ajak awak ni.

[00:00:23.320 – 00:00:26.060] Saya baru juga belajar benda ni dalam tempoh 2 tahun yang lepas.

[00:00:26.420 – 00:00:28.240] Tapi bolehlah saya kongsi-kongsi apa yang saya tahu.

[00:00:28.960 – 00:00:30.040] Dilution ni maksudnya

[00:00:30.040 – 00:00:31.840] Awak ada pencairan

[00:00:31.840 – 00:00:33.560] Saham awak cair

[00:00:33.560 – 00:00:35.100] Apa maksud saham cair?

[00:00:35.380 – 00:00:36.720] Saham cair maksudnya

[00:00:36.720 – 00:00:38.920] Saham awak dah bukannya 50%

[00:00:38.920 – 00:00:39.600] Dah drop sikit

[00:00:39.600 – 00:00:40.800] Tengok kat sini

[00:00:40.800 – 00:00:42.960] Saya dah buat proper gambar sebelah ni

[00:00:42.960 – 00:00:44.720] Pencairan saham adalah

[00:00:44.720 – 00:00:46.640] Bila company keluarkan saham baru

[00:00:46.640 – 00:00:48.080] Untuk tambah modal

[00:00:48.080 – 00:00:50.000] Dia kita top up

[00:00:50.000 – 00:00:50.960] Top up share

[00:00:50.960 – 00:00:52.260] Peratusan share

[00:00:52.260 – 00:00:54.060] Lama akan jadi cair menurun

[00:00:54.060 – 00:00:55.580] Tak apa kita tengok example

[00:00:55.580 – 00:00:57.140] Kita tengok example

[00:00:57.140 – 00:00:58.540] Adalah round 1

[00:00:58.540 – 00:01:00.100] Ok kita ada round

[00:01:01.560 – 00:01:02.160] 1

[00:01:02.160 – 00:01:03.060] Yang pertama ni

[00:01:03.060 – 00:01:03.720] Jom kita tengok

[00:01:04.560 – 00:01:05.160] Abu

[00:01:05.160 – 00:01:07.040] Abu ni round 1 ni

[00:01:07.040 – 00:01:08.380] Ni contohnya investment

[00:01:08.380 – 00:01:09.540] Investment kita panggil round

[00:01:09.540 – 00:01:10.380] Biasanya round 1

[00:01:10.380 – 00:01:10.860] Round 2

[00:01:10.860 – 00:01:11.400] Round 3

[00:01:11.400 – 00:01:12.280] Dia macam ada

[00:01:12.280 – 00:01:13.500] Series-series of round lah

[00:01:13.500 – 00:01:15.220] Dan contohnya

[00:01:15.220 – 00:01:16.020] Abu dengan Ali

[00:01:16.020 – 00:01:16.780] Ada 2 orang

[00:01:16.780 – 00:01:18.760] Abu letak 4K

[00:01:18.760 – 00:01:20.020] Ok Abu

[00:01:20.720 – 00:01:21.320] 4K

[00:01:22.180 – 00:01:22.780] Ali

[00:01:22.780 – 00:01:24.180] Letak berapa pula

[00:01:24.180 – 00:01:26.460] Ali pun letak sebanyak

[00:01:26.460 – 00:01:26.840] Sama

[00:01:26.840 – 00:01:28.280] 4K eh 6K

[00:01:28.280 – 00:01:30.020] Abu 6K

[00:01:30.020 – 00:01:31.560] Ali 4K

[00:01:31.560 – 00:01:33.160] So total kat sini berapa?

[00:01:33.440 – 00:01:35.560] Total adalah RM 10K

[00:01:35.560 – 00:01:36.500] Kita ambil senang lah

[00:01:36.500 – 00:01:38.440] Maksudnya kalau 10K

[00:01:38.440 – 00:01:39.580] Tadi kita dah belajar kan

[00:01:39.580 – 00:01:40.920] 1 unit share

[00:01:40.920 – 00:01:41.960] Kebiasaannya

[00:01:41.960 – 00:01:42.580] Kosek

[00:01:42.580 – 00:01:44.000] Company secretary dia akan buat

[00:01:44.000 – 00:01:45.240] RM

[00:01:45.240 – 00:01:48.240] 1 equal 1 unit

[00:01:49.120 – 00:01:50.720] So katakanlah

[00:01:50.720 – 00:01:52.440] Kita sekarang ni

[00:01:52.440 – 00:01:53.740] Bermodalkan 10,000

[00:01:53.740 – 00:01:55.660] Maka dia akan terbitkan sebanyak

[00:01:55.660 – 00:01:58.020] 10,000 unit

[00:01:59.900 – 00:02:01.100] Share

[00:02:02.640 – 00:02:03.560] Biasanya macam tu

[00:02:03.560 – 00:02:05.020] 10,000 unit share dia akan bagi

[00:02:05.020 – 00:02:06.380] So sekarang kita dah tahu

[00:02:06.380 – 00:02:07.040] Okay

[00:02:07.040 – 00:02:08.440] Cantik Abu

[00:02:08.440 – 00:02:09.400] Kau dapat berapa Abu?

[00:02:09.800 – 00:02:11.640] Okay Abu dia akan dapat

[00:02:11.640 – 00:02:13.300] 6,000 unit

[00:02:16.620 – 00:02:17.220] Manakala

[00:02:17.220 – 00:02:18.820] Ali pun akan dapat

[00:02:18.820 – 00:02:21.160] 4,000 unit

[00:02:22.280 – 00:02:23.540] Dia dah harap lah eh

[00:02:23.540 – 00:02:24.800] Sebab kita keluarkan 10,000

[00:02:24.800 – 00:02:26.300] So barulah jadi 60-40

[00:02:26.300 – 00:02:27.700] 60%

[00:02:27.700 – 00:02:29.360] Yang mana 60,000 ni

[00:02:29.360 – 00:02:30.800] mewakili 60%

[00:02:30.800 – 00:02:32.880] dan RM44,000 ni

[00:02:32.880 – 00:02:33.980] mewakili 40%

[00:02:33.980 – 00:02:34.500] ok jelas kan

[00:02:34.500 – 00:02:34.760] simple

[00:02:34.760 – 00:02:36.060] ada 2 orang Abu Ali

[00:02:36.060 – 00:02:37.300] 60-40

[00:02:37.300 – 00:02:38.200] so RM6,000

[00:02:38.200 – 00:02:39.020] RM4,000 unit

[00:02:39.020 – 00:02:39.920] sebab dia kalau RM6,000

[00:02:39.920 – 00:02:40.200] RM6,000

[00:02:40.200 – 00:02:42.200] dia 1 unit adalah RM1,000

[00:02:42.200 – 00:02:42.880] senang nak kira

[00:02:42.880 – 00:02:44.020] ok next

[00:02:44.020 – 00:02:45.140] situasi kedua

[00:02:45.140 – 00:02:46.940] pada satu ketika

[00:02:46.940 – 00:02:49.020] dia suatu bulan yang

[00:02:49.020 – 00:02:50.300] expansion lah

[00:02:51.180 – 00:02:52.360] kita time tu memang

[00:02:52.360 – 00:02:52.700] wish

[00:02:52.700 – 00:02:53.480] Alhamdulillah

[00:02:53.480 – 00:02:55.080] aku nak beli

[00:02:55.080 – 00:02:56.320] aku nak pindah ofis lah bro

[00:02:56.320 – 00:02:57.760] kita nak pindah ofis

[00:02:57.760 – 00:02:58.920] dan kita perlukan

[00:02:58.920 – 00:03:04.600] satu modal RM50,000. Macam mana eh? Aku nak buat RM50,000. Nak

[00:03:04.600 – 00:03:09.360] buat loan bank ke? Nak buat equity option. Kita dah masuk topik

[00:03:09.360 – 00:03:15.420] tu dah. So, setiap kali awak perlukan duit RM, awak ada dua

[00:03:15.420 – 00:03:22.360] cara untuk top up. Awak top up daripada loan option. Loan option ni

[00:03:22.360 – 00:03:25.200] apa? Awak pinjam bank lah. Cerang cerita. Pinjam masa siapa?

[00:03:25.200 – 00:03:27.100] Pinjam director sendiri ke

[00:03:27.100 – 00:03:28.320] Pinjam ayah adik-adik ke

[00:03:28.320 – 00:03:28.960] Maksudnya awak

[00:03:28.960 – 00:03:30.560] Abaikanlah ayah option ni

[00:03:30.560 – 00:03:30.980] Awak ambil je

[00:03:30.980 – 00:03:31.880] Buat loan langsung cerita

[00:03:32.500 – 00:03:33.260] Maksudnya awak

[00:03:33.840 – 00:03:34.600] Membuat loan

[00:03:34.600 – 00:03:36.760] Ataupun awak menambah duit awak

[00:03:36.760 – 00:03:37.480] Dengan cara

[00:03:38.520 – 00:03:39.560] Equity option

[00:03:40.720 – 00:03:41.860] Maksudnya orang tu

[00:03:43.280 – 00:03:44.620] Membeli saham syarikat

[00:03:44.620 – 00:03:46.480] So dia ada pro and con

[00:03:46.480 – 00:03:47.120] Kedua-dua ni

[00:03:47.120 – 00:03:48.680] Sebab kalau awak buat loan

[00:03:48.680 – 00:03:49.900] Awak kena bayar balik

[00:03:49.900 – 00:03:51.540] Kalau awak bagi share

[00:03:51.540 – 00:03:52.420] Tak payah bayar balik

[00:03:52.420 – 00:03:54.240] Sebab share tu milik syarikat

[00:03:54.240 – 00:03:55.840] Awak memberi sebahagian bersyarikat

[00:03:55.840 – 00:03:56.900] So syarikat takde hutang

[00:03:56.900 – 00:03:57.920] Dia ada pro-encon lah

[00:03:57.920 – 00:04:00.900] Ok jom kita tengok situasi round yang kedua

[00:04:00.900 – 00:04:03.500] Ok round yang kedua pula adalah

[00:04:05.140 – 00:04:06.900] Sekarang ni kita nak pindah ofis

[00:04:06.900 – 00:04:15.670] Kita nak cari mana aku nak cari extra RM50,000

[00:04:16.670 – 00:04:19.150] Tapi aku tak nak buat loan

[00:04:19.150 – 00:04:20.850] Nanti kena bayar balik

[00:04:20.850 – 00:04:23.190] Ok apa kata kita cari seorang investor

[00:04:23.190 – 00:04:24.030] Dia pun paket-paket

[00:04:24.030 – 00:04:25.650] Eh aku ada seorang kawan aku ni

[00:04:25.650 – 00:04:27.050] Dia ni nama dia Amir

[00:04:27.050 – 00:04:28.690] Amir ni nak join lah

[00:04:28.690 – 00:04:29.050] Tapi

[00:04:29.050 – 00:04:30.010] Dia

[00:04:30.010 – 00:04:31.070] Dah lama tanya

[00:04:31.070 – 00:04:32.150] Eh takde nak jual share ke

[00:04:32.150 – 00:04:32.890] Aku nak join

[00:04:32.890 – 00:04:34.470] Apa kata kita jual kat Amir

[00:04:35.590 – 00:04:36.110] Borak

[00:04:36.110 – 00:04:37.130] Si Abu dan Ali

[00:04:37.130 – 00:04:38.450] Maka dia pun setuju

[00:04:38.450 – 00:04:39.290] Okay aku setuju

[00:04:39.290 – 00:04:41.150] Tapi kalau dia letak 50k

[00:04:41.150 – 00:04:41.970] Mampus lah kita

[00:04:41.970 – 00:04:43.390] Kita modah itu 10k je

[00:04:43.390 – 00:04:44.090] Takpe takpe takpe takpe

[00:04:44.090 – 00:04:44.470] Macam ni

[00:04:44.470 – 00:04:46.250] Kita naikkan valuation company

[00:04:46.930 – 00:04:48.150] Kita buat split share

[00:04:48.150 – 00:04:48.510] Adalah

[00:04:48.510 – 00:04:49.950] Dia punya istilah-istilah dia

[00:04:49.950 – 00:04:51.430] Kita naikkan value company

[00:04:51.430 – 00:04:53.990] Kita set company kita value

[00:04:53.990 – 00:04:55.490] Sebab kalau ikut asal ni

[00:04:55.490 – 00:04:57.730] value, time ni eh, value company

[00:04:57.730 – 00:05:01.190] ni adalah, value

[00:05:01.190 – 00:05:03.450] dia, valuation

[00:05:04.050 – 00:05:05.410] pada ketika ni adalah

[00:05:05.410 – 00:05:07.390] bernilai, hanyalah RM10,000

[00:05:07.390 – 00:05:07.550] je

[00:05:09.310 – 00:05:11.230] sebab modal kita RM10,000, itulah

[00:05:11.230 – 00:05:12.130] valuation paling senang

[00:05:12.950 – 00:05:15.030] nanti di hujung chapter ni

[00:05:15.030 – 00:05:16.930] saya akan ajar awak, dekat chapter yang ke-6

[00:05:16.930 – 00:05:18.970] ada cara nak buat valuation, tapi ni

[00:05:18.970 – 00:05:20.530] cara simple valuation based on modal

[00:05:20.530 – 00:05:22.150] asset valuation

[00:05:23.290 – 00:05:24.430] so, Amir

[00:05:24.430 – 00:05:26.810] dia nak join, tapi

[00:05:26.810 – 00:05:27.790] Berapa nak kena bayar

[00:05:27.790 – 00:05:29.610] Berapa share

[00:05:29.610 – 00:05:30.810] Berapa RM

[00:05:30.810 – 00:05:33.170] Maka Abu dengan Ali sepakat

[00:05:33.170 – 00:05:35.150] Untuk buat valuation company

[00:05:35.930 – 00:05:37.130] Valuation company

[00:05:37.130 – 00:05:37.970] Dia sepakat

[00:05:37.970 – 00:05:39.350] Kita nak valuakan company kita

[00:05:39.350 – 00:05:42.210] Pada RM RM500,000

[00:05:43.490 – 00:05:45.390] Kita nak buat RM500,000

[00:05:45.390 – 00:05:45.770] Kenapa?

[00:05:46.030 – 00:05:47.810] Sebab kalau RM500,000

[00:05:48.750 – 00:05:49.510] Katakanlah

[00:05:50.510 – 00:05:52.750] Alme ni dia injek RM50,000

[00:05:52.750 – 00:05:56.430] RM50,000 ni baru equal 10%

[00:05:58.470 – 00:05:59.750] kalau lagi balance

[00:05:59.750 – 00:06:00.930] RM450,000 ni

[00:06:00.930 – 00:06:02.010] ni equal

[00:06:02.010 – 00:06:03.070] 90%

[00:06:03.070 – 00:06:03.630] so

[00:06:03.630 – 00:06:04.890] dia borak-borak

[00:06:04.890 – 00:06:06.270] aku nak balik go 10% je bro

[00:06:06.270 – 00:06:07.030] aku tak nak balik go lebih

[00:06:07.030 – 00:06:07.850] kalau macam tu

[00:06:07.850 – 00:06:08.470] kita kena value

[00:06:08.470 – 00:06:08.910] dengan beri

[00:06:08.910 – 00:06:09.910] banyak ni ya

[00:06:10.490 – 00:06:10.970] katalah

[00:06:11.510 – 00:06:12.670] Amir ni dia nak invest

[00:06:12.670 – 00:06:13.290] RM100,000

[00:06:14.310 – 00:06:14.790] ok

[00:06:14.790 – 00:06:15.750] kalau awak dah faham sekarang ni

[00:06:15.750 – 00:06:16.490] berapa valuation

[00:06:16.490 – 00:06:17.330] yang kita patut letak

[00:06:17.330 – 00:06:18.970] untuk bagi 10% je

[00:06:18.970 – 00:06:19.810] kita kena value

[00:06:19.810 – 00:06:20.930] at RM1,000,000

[00:06:20.930 – 00:06:21.870] sebab

[00:06:21.870 – 00:06:22.790] RM100,000

[00:06:22.790 – 00:06:24.290] daripada RM1,000,000 ni

[00:06:24.290 – 00:06:25.210] baru 10%

[00:06:25.210 – 00:06:26.670] so macam itulah

[00:06:26.670 – 00:06:27.090] cara dia

[00:06:27.090 – 00:06:27.930] kita buat valuation

[00:06:29.090 – 00:06:29.830] so lagi

[00:06:29.830 – 00:06:31.270] 900k ni adalah

[00:06:31.270 – 00:06:32.190] 90%

[00:06:33.170 – 00:06:33.670] begitu

[00:06:33.670 – 00:06:34.230] so

[00:06:34.230 – 00:06:35.350] ambil situasi ni

[00:06:35.350 – 00:06:35.910] Khalid tadi

[00:06:36.590 – 00:06:37.410] dia orang ni

[00:06:37.410 – 00:06:38.130] bersetuju untuk

[00:06:38.130 – 00:06:38.710] value company

[00:06:38.710 – 00:06:40.110] lepas tu dia pun present

[00:06:40.110 – 00:06:40.690] dekat Ameh

[00:06:42.070 – 00:06:43.150] aku nak kau masuk

[00:06:43.150 – 00:06:44.550] sebab aku nak gunakan

[00:06:44.550 – 00:06:45.570] duit yang kau nak bagi tu

[00:06:45.570 – 00:06:46.410] untuk renovate office

[00:06:46.410 – 00:06:47.070] Ameh pun oh

[00:06:47.070 – 00:06:47.910] bagus aku suka

[00:06:47.910 – 00:06:49.410] kalau duit dapatkan kau

[00:06:49.410 – 00:06:49.990] aku tak suka lah

[00:06:49.990 – 00:06:50.830] aku nak duit ni

[00:06:50.830 – 00:06:51.630] dapatkan company balik

[00:06:51.630 – 00:06:52.250] ok Ameh tak apa

[00:06:52.250 – 00:06:52.870] aku jual

[00:06:53.530 – 00:06:54.030] saham

[00:06:54.590 – 00:06:55.090] company

[00:06:55.850 – 00:06:56.910] Bukannya saham aku

[00:06:56.910 – 00:06:57.470] Saham company

[00:06:58.330 – 00:06:58.930] So

[00:06:58.930 – 00:07:00.470] Kau beli saham company

[00:07:00.470 – 00:07:01.250] Yang kita baru buat ni

[00:07:01.250 – 00:07:03.110] Tapi aku letakkan harga dia adalah

[00:07:03.110 – 00:07:03.990] RM500,000

[00:07:03.990 – 00:07:05.290] Amir setuju tak?

[00:07:05.710 – 00:07:06.450] Soalan dia

[00:07:07.350 – 00:07:08.710] Kalau Amir setuju

[00:07:08.710 – 00:07:09.090] Deal

[00:07:09.090 – 00:07:09.630] Itu je

[00:07:09.630 – 00:07:10.570] Valuation ni guys

[00:07:10.570 – 00:07:11.310] Tak ada right and wrong

[00:07:11.310 – 00:07:12.090] Sama macam saya jual

[00:07:12.090 – 00:07:12.930] Marker ni

[00:07:12.930 – 00:07:14.170] Kalau saya beritahu

[00:07:14.170 – 00:07:15.010] Marker ni adalah

[00:07:15.010 – 00:07:16.150] Marker yang digunakan

[00:07:16.150 – 00:07:17.090] Oleh

[00:07:17.090 – 00:07:17.610] Tun

[00:07:19.170 – 00:07:20.290] Tunku Abdul Rahman

[00:07:20.290 – 00:07:21.670] Untuk sign

[00:07:22.530 – 00:07:23.550] Perlembagaan Malaysia

[00:07:23.550 – 00:07:24.510] Pada waktu

[00:07:24.510 – 00:07:25.450] harga kemerdekaan tu

[00:07:26.030 – 00:07:26.970] saya jual dengan harga

[00:07:26.970 – 00:07:27.430] satu juta

[00:07:27.430 – 00:07:27.890] awak nak beli ya

[00:07:28.670 – 00:07:29.690] awak percaya awak beli

[00:07:29.690 – 00:07:30.270] pada muka awak

[00:07:30.270 – 00:07:31.650] sejuta lah nilai dia

[00:07:31.650 – 00:07:32.230] itulah company

[00:07:32.230 – 00:07:33.790] dia tak ada apa-apa ni

[00:07:33.790 – 00:07:34.830] dia perceive value

[00:07:34.830 – 00:07:36.190] nilai sangkaan

[00:07:36.190 – 00:07:36.990] samalah

[00:07:36.990 – 00:07:37.830] so Amir kata

[00:07:37.830 – 00:07:38.330] oh setuju

[00:07:38.330 – 00:07:39.050] aku setuju

[00:07:39.050 – 00:07:39.850] aku pun tengok

[00:07:39.850 – 00:07:41.470] bank statement company

[00:07:41.470 – 00:07:42.630] tengok audit report

[00:07:42.630 – 00:07:43.450] aku rasa aku setuju

[00:07:43.450 – 00:07:44.190] aku memang ok

[00:07:44.190 – 00:07:45.310] ok jom

[00:07:45.310 – 00:07:45.810] short masuk

[00:07:45.810 – 00:07:47.290] so apa yang berlaku

[00:07:47.290 – 00:07:48.110] awak boleh tengok kat sini

[00:07:48.110 – 00:07:49.190] ni lebih detail lah

[00:07:49.190 – 00:07:49.950] saya dah buat dia punya

[00:07:49.950 – 00:07:50.750] jalan cerita dia

[00:07:50.750 – 00:07:52.050] so apa yang berlaku

[00:07:52.050 – 00:07:52.910] Amir nak invest

[00:07:52.910 – 00:07:53.350] RM90,000

[00:07:53.350 – 00:07:54.010] beli saham baru

[00:07:54.010 – 00:07:56.510] Abu dan Ali sepakat set

[00:07:56.510 – 00:07:58.890] valuation company pada harga RM500,000

[00:07:58.890 – 00:08:00.670] dan maka

[00:08:00.670 – 00:08:02.570] RM50,000 Amir tu adalah

[00:08:02.570 – 00:08:04.190] bernilai 10% share company

[00:08:04.190 – 00:08:05.730] Amir setuju

[00:08:05.730 – 00:08:08.650] dengan valuation dan dia invest RM50,000 tu

[00:08:08.650 – 00:08:10.290] nilai unit share

[00:08:10.290 – 00:08:12.730] naik daripada RM1 kepada RM45

[00:08:13.970 – 00:08:14.610] dia

[00:08:14.610 – 00:08:16.750] dia maintain

[00:08:16.750 – 00:08:18.430] nilai yang sama, contoh nilai sekarang ni

[00:08:18.430 – 00:08:18.870] RM10,000

[00:08:20.430 – 00:08:22.110] tapi RM10,000 unit ni

[00:08:22.110 – 00:08:23.530] sekarang ni dia bernilai

[00:08:23.530 – 00:08:25.210] Pre-valuation

[00:08:26.390 – 00:08:27.850] Pre-value ataupun ni lah

[00:08:27.850 – 00:08:29.090] Nilai dia lah equal RM

[00:08:30.170 – 00:08:31.010] RM450,000

[00:08:31.010 – 00:08:32.950] Betul tak? Sebab dia kata

[00:08:32.950 – 00:08:34.790] Dia kata company dia

[00:08:34.790 – 00:08:37.390] Yang 10 unit share ni dah bukan nilai RM10,000 lah

[00:08:37.390 – 00:08:39.350] Dia kata nilai dia dah RM40,000

[00:08:39.350 – 00:08:40.210] Dia kata dah naik

[00:08:41.090 – 00:08:43.390] Asalnya RM10,000 unit share adalah RM10,000

[00:08:43.390 – 00:08:44.730] Dia kata tak tak tak tak tak

[00:08:44.730 – 00:08:46.130] Sekarang ni dah naik lah harga dia

[00:08:46.130 – 00:08:47.170] Eh bila naik bawah tadi

[00:08:47.170 – 00:08:48.970] Waktu aku masuk kereta tadi

[00:08:48.970 – 00:08:52.030] Dia kata nilai dia dah RM40,000

[00:08:53.070 – 00:08:54.510] So, kalau

[00:08:54.510 – 00:08:55.950] Sebelum ni

[00:08:57.050 – 00:08:58.350] Satu ringgit

[00:08:58.350 – 00:09:00.890] Adalah satu unit

[00:09:03.030 – 00:09:05.090] Kalau nilai dia ni berapa

[00:09:05.090 – 00:09:07.610] So, maksudnya RM45

[00:09:07.610 – 00:09:09.410] Ringgit equal satu unit

[00:09:10.270 – 00:09:11.710] Kita reverse lah balik

[00:09:11.710 – 00:09:14.410] So, maksudnya harga per unit share dah naik

[00:09:15.170 – 00:09:16.730] Daripada satu unit share

[00:09:16.730 – 00:09:18.110] Seringgit naik kepada

[00:09:18.110 – 00:09:19.650] RM45 nampak

[00:09:19.650 – 00:09:21.530] Sebab apa? Sebab

[00:09:21.530 – 00:09:22.730] Dia orang setuju, tu je

[00:09:23.450 – 00:09:24.050] Jadi

[00:09:24.050 – 00:09:25.430] Disebabkan itu

[00:09:25.430 – 00:09:27.090] Amin pun setuju

[00:09:27.090 – 00:09:27.510] Ok

[00:09:27.510 – 00:09:28.610] Setuju eh

[00:09:28.610 – 00:09:30.990] Jadi berapa nilai share yang kita akan release

[00:09:30.990 – 00:09:31.450] Yang baru

[00:09:31.450 – 00:09:33.550] 10,000 unit ni kita akan tambah share baru

[00:09:33.550 – 00:09:35.110] Kita akan tambah share baru

[00:09:35.110 – 00:09:35.590] Sebanyak

[00:09:35.590 – 00:09:37.770] 1,1,1,1 unit

[00:09:37.770 – 00:09:39.370] Sebenarnya kalau awak buat calculation

[00:09:39.370 – 00:09:40.510] Awak buat calculation ni

[00:09:40.510 – 00:09:42.410] Ini bersamaan dengan 10% lah

[00:09:42.410 – 00:09:43.690] Ini bersamaan dengan

[00:09:43.690 – 00:09:44.850] 10%

[00:09:44.850 – 00:09:47.430] Dan bersamaan juga dengan RM50k

[00:09:47.430 – 00:09:48.870] Untuk value dia

[00:09:49.570 – 00:09:50.170] Kenapa?

[00:09:50.370 – 00:09:51.030] Awak darab lah

[00:09:51.030 – 00:09:52.330] Kan nilai dia kan

[00:09:52.330 – 00:09:54.630] 1 unit adalah

[00:09:54.630 – 00:09:56.810] Bernilai RM45

[00:09:58.310 – 00:09:58.990] RM

[00:09:58.990 – 00:10:01.190] So, darab lah

[00:10:02.530 – 00:10:04.430] 1, 1, 1, 1

[00:10:04.430 – 00:10:06.190] Darab dengan RM45

[00:10:07.090 – 00:10:08.510] Betul tak dapat balik

[00:10:08.510 – 00:10:09.390] RM10,000

[00:10:10.190 – 00:10:12.210] 1, 1, 1, 1 darab RM45

[00:10:12.210 – 00:10:13.150] Dapat tak RM50,000?

[00:10:15.150 – 00:10:16.510] RM49, RM49

[00:10:16.510 – 00:10:17.310] RM49, RM49, RM49

[00:10:17.310 – 00:10:18.530] RM50,000 lah tu

[00:10:18.530 – 00:10:21.850] So, maka total unit share yang ada

[00:10:21.850 – 00:10:22.730] Sebenarnya dah jadi

[00:10:25.790 – 00:10:26.830] 11,100

[00:10:28.090 – 00:10:28.610] Haa

[00:10:28.610 – 00:10:29.510] Ambil kata lebih pula dah

[00:10:29.510 – 00:10:30.410] Haa

[00:10:30.410 – 00:10:31.310] Ni lah total unit share

[00:10:31.310 – 00:10:32.570] Sebab 10,000 tambah dengan ni

[00:10:32.570 – 00:10:34.290] So kalau awak tengok gambar kat bawah

[00:10:34.290 – 00:10:35.050] Memang pening sikit

[00:10:35.050 – 00:10:35.570] Saya minta maaf

[00:10:35.570 – 00:10:36.730] Tapi inilah unit share

[00:10:36.730 – 00:10:38.290] Sebab tu kita gunakan unit share

[00:10:38.290 – 00:10:39.970] Inilah benda yang takde kat enterprise

[00:10:39.970 – 00:10:41.190] Enterprise takde benda lah ni

[00:10:41.190 – 00:10:42.950] Awak takde nilai unit share

[00:10:42.950 – 00:10:44.330] So apa yang berlaku

[00:10:44.330 – 00:10:45.510] Abu Ali

[00:10:45.510 – 00:10:46.950] Dan juga Amin ni

[00:10:47.490 – 00:10:48.010] Bersetuju

[00:10:48.650 – 00:10:50.250] Untuk Amin on 10%

[00:10:50.250 – 00:10:51.490] Maka Abu tu

[00:10:51.490 – 00:10:52.950] Daripada 60 dia akan dilute

[00:10:52.950 – 00:10:53.910] Dia akan dicairkan

[00:10:53.910 – 00:10:55.670] Daripada 60%

[00:10:55.670 – 00:10:58.830] Dia turun jadi 54%

[00:10:58.830 – 00:11:00.590] Dan daripada 40%

[00:11:00.590 – 00:11:01.830] Dia turun jadi

[00:11:01.830 – 00:11:02.810] Yang sama lagi ni pula

[00:11:02.810 – 00:11:03.590] Jadi

[00:11:05.910 – 00:11:07.370] Eh 46

[00:11:07.370 – 00:11:09.210] Tersalah je

[00:11:09.210 – 00:11:10.510] Tersalah tulis tu

[00:11:10.510 – 00:11:12.730] Abu 54

[00:11:14.230 – 00:11:15.730] Ali 46

[00:11:15.730 – 00:11:17.510] Betul lah 46%

[00:11:21.420 – 00:11:21.760] 40

[00:11:21.760 – 00:11:22.360] 34

[00:11:22.360 – 00:11:23.800] Oh

[00:11:27.820 – 00:11:28.720] 36%

[00:11:28.720 – 00:11:29.340] sorry

[00:11:29.340 – 00:11:30.820] tak saya tulis

[00:11:30.820 – 00:11:31.660] kita betulkan

[00:11:31.660 – 00:11:32.060] ok

[00:11:32.060 – 00:11:33.480] ni akan jadi

[00:11:33.480 – 00:11:35.320] 36%

[00:11:35.320 – 00:11:35.720] betul tak

[00:11:35.720 – 00:11:37.000] ni jadi berapa

[00:11:37.000 – 00:11:38.380] 90 lah

[00:11:38.380 – 00:11:39.700] kan 90% lah

[00:11:39.700 – 00:11:40.260] betul lah

[00:11:40.260 – 00:11:41.620] so inilah nama dia

[00:11:41.620 – 00:11:42.200] dilution

[00:11:42.200 – 00:11:43.120] ni yang kita kata tadi

[00:11:44.240 – 00:11:44.800] dilution

[00:11:47.300 – 00:11:48.280] dilution ni adalah

[00:11:48.280 – 00:11:48.880] apabila

[00:11:48.880 – 00:11:49.880] dia dicairkan

[00:11:49.880 – 00:11:51.360] daripada 60%

[00:11:51.360 – 00:11:52.160] jadi 54%

[00:11:52.160 – 00:11:53.140] sebab ada sorang lagi

[00:11:53.140 – 00:11:53.560] yang masuk

[00:11:53.560 – 00:11:55.120] sorang lagi dia masuk

[00:11:55.120 – 00:11:56.100] dia nak own 10%

[00:11:56.100 – 00:11:57.340] so bila tambah duduk ni

[00:11:57.340 – 00:11:58.240] baru dia jadi 100%

[00:11:59.160 – 00:12:00.520] Itulah konsep dilution

[00:12:00.520 – 00:12:02.560] So kelebihan dia adalah

[00:12:02.560 – 00:12:04.020] Tak payah bayar balik

[00:12:04.020 – 00:12:06.340] Sebab kita terbitkan share baru

[00:12:06.340 – 00:12:06.960] Share mana ni?

[00:12:07.800 – 00:12:08.820] Terbitkan share baru

[00:12:09.400 – 00:12:11.300] Katakanlah dia jual share sedia ada

[00:12:11.300 – 00:12:13.100] Daripada 10,000 unit share ni

[00:12:13.680 – 00:12:15.460] Aku nak jual 9,000

[00:12:15.460 – 00:12:16.480] 1,000 unit lah

[00:12:16.480 – 00:12:17.920] 1,000 unit

[00:12:17.920 – 00:12:19.860] Tinggal 9,000 je untuk kita orang

[00:12:19.860 – 00:12:23.340] So yang ni kita buat 10k

[00:12:23.340 – 00:12:24.320] Eh 50k

[00:12:24.320 – 00:12:25.600] So ni lain pula

[00:12:25.600 – 00:12:27.080] Yang ni kalau kita buat macam ni

[00:12:27.080 – 00:12:28.420] Kita jual share sedia ada

[00:12:29.360 – 00:12:30.360] Apa yang berlaku

[00:12:30.360 – 00:12:31.560] Duit tu tak dapat pada company

[00:12:31.560 – 00:12:32.700] Duit tu dapat kepada

[00:12:32.700 – 00:12:34.140] Abu dan juga

[00:12:34.140 – 00:12:35.220] Ali

[00:12:35.220 – 00:12:37.100] Sebab kita jual share sedia ada

[00:12:37.100 – 00:12:38.920] So jual share sedia ada

[00:12:38.920 – 00:12:40.280] Dapat kepada owner

[00:12:40.280 – 00:12:42.560] Kalau kita jual share yang baru

[00:12:42.560 – 00:12:43.280] Dapat pada company

[00:12:43.280 – 00:12:43.960] Faham tak?

[00:12:44.100 – 00:12:44.860] Sebab share baru

[00:12:44.860 – 00:12:45.900] Tidak dimeniki oleh sesiapa

[00:12:45.900 – 00:12:46.760] Dia diterbitkan

[00:12:46.760 – 00:12:48.060] Khas untuk orang baru

[00:12:48.060 – 00:12:49.600] Ha benda ni tricky sikit lah

[00:12:49.600 – 00:12:50.080] Nak faham

[00:12:50.080 – 00:12:51.460] Tapi awak kena tahu yang

[00:12:51.460 – 00:12:53.180] Ini nilai baru

[00:12:53.180 – 00:12:54.300] Yang kita wujudkan

[00:12:54.300 – 00:12:55.380] Unit masih sama

[00:12:55.380 – 00:12:57.060] Nilai baru ni dapat pada company

[00:12:57.060 – 00:13:26.200] sebab satu-satunya dikeluarkan, tapi katalah kita tolak je daripada sini, tolak je seribu, maka bila tolak je seribu unit, ini maksudnya kita menjual daripada share sedia ada, katalah awak punya company dah nilai 1 bilion, awak nak jual 10%, awak jualkan awak punya nilai 10% tu kepada investor luar, so 1 bilion 10% adalah 100 juta, so 100 juta dapat kat siapa, dapat dekat company ke dapat dekat awak, dapat kat awak lah, sebab awak jual share awak 10%, tapi katakanlah awak ada 1 bilion punya company,

[00:13:27.200 – 00:13:29.240] awak nak 10% tu dapat

[00:13:29.240 – 00:13:30.680] pada company, so company kena

[00:13:31.360 – 00:13:32.860] keluarkan unit share

[00:13:32.860 – 00:13:35.160] extra untuk cover that

[00:13:35.160 – 00:13:36.820] 10% tu, so dilute

[00:13:36.820 – 00:13:38.120] berlakulah dilution di situ

[00:13:38.800 – 00:13:40.880] so penin sikit dilution ni, tapi

[00:13:40.880 – 00:13:42.800] ayah dia adalah saham cair, dan kalau awak

[00:13:42.800 – 00:13:44.820] berjaya faham, tahniah, awak adalah

[00:13:44.820 – 00:13:46.980] insan terpilih untuk menjadi billionaire di masakan

[00:13:46.980 – 00:13:48.680] datang, ok

[00:13:48.680 – 00:13:50.760] so loan option, kita baca kat sini

[00:13:50.760 – 00:13:52.860] loan option, tambah modal dengan

[00:13:52.860 – 00:13:54.820] hutang, tiada dilution share

[00:13:54.820 – 00:13:56.540] tapi bayar hutang plus interest

[00:13:57.800 – 00:13:58.820] ni plus interest

[00:13:58.820 – 00:14:00.120] tapi interest ni tak islamic

[00:14:00.120 – 00:14:01.580] so kalau kita nak buat islamic

[00:14:01.580 – 00:14:02.200] kita akan guna

[00:14:02.200 – 00:14:02.600] nama dia

[00:14:02.600 – 00:14:03.400] court hassan

[00:14:03.400 – 00:14:04.580] court hassan

[00:14:04.580 – 00:14:05.540] lagi saya explain kat bawah

[00:14:05.540 – 00:14:06.040] yang mana

[00:14:06.040 – 00:14:07.500] harga dia sekal

[00:14:07.500 – 00:14:08.900] kita bagi loan

[00:14:08.900 – 00:14:10.040] contohnya Amir ni nak masuk

[00:14:10.040 – 00:14:10.940] tadi cakap Amir macam inilah

[00:14:10.940 – 00:14:11.980] kau tak payah masuk sebagai share

[00:14:11.980 – 00:14:12.600] kau bagi loan je

[00:14:12.600 – 00:14:13.540] ok

[00:14:13.540 – 00:14:14.520] harga 1 unit

[00:14:14.520 – 00:14:15.060] 1 ringgit

[00:14:15.060 – 00:14:15.820] 45 ringgit

[00:14:15.820 – 00:14:16.040] ok

[00:14:16.040 – 00:14:17.540] equity option pula apa

[00:14:17.540 – 00:14:18.460] saya explain dulu eh

[00:14:18.460 – 00:14:19.740] equity option ni pula adalah

[00:14:20.340 – 00:14:21.560] dia tambah modal

[00:14:21.560 – 00:14:22.340] dengan jual share

[00:14:22.340 – 00:14:22.880] yang tadi inilah

[00:14:23.420 – 00:14:23.900] dan

[00:14:23.900 – 00:14:25.480] tiada bayaran hutang

[00:14:25.480 – 00:14:27.180] Ataupun interest

[00:14:27.180 – 00:14:28.420] Tapi ada dilution

[00:14:28.420 – 00:14:30.040] Itulah kelebihan equity

[00:14:30.040 – 00:14:32.040] Dan dalam kuasa equity ni

[00:14:32.040 – 00:14:34.160] Katalah Abu 45

[00:14:34.160 – 00:14:36.040] Ali 36

[00:14:36.840 – 00:14:38.660] Dan juga Amir 10%

[00:14:38.660 – 00:14:40.060] Apa yang berlaku

[00:14:40.060 – 00:14:42.700] Kita akan guna musyarakah

[00:14:44.000 – 00:14:44.660] Musyarakah

[00:14:44.660 – 00:14:45.740] Yang mana musyarakah ni

[00:14:45.740 – 00:14:46.880] Dalam Islamic loan ni

[00:14:46.880 – 00:14:49.820] Islamic investment lah

[00:14:49.820 – 00:14:51.620] Dia ada 5 benda

[00:14:51.620 – 00:14:52.600] Tak mahu ada whiteboard

[00:14:52.600 – 00:14:53.400] Saya baca je lah

[00:14:55.400 – 00:14:56.360] Khad Hassan

[00:14:56.360 – 00:14:57.140] Musyarakah

[00:14:57.700 – 00:14:58.180] Mudarabah

[00:14:59.300 – 00:14:59.780] Murabaha

[00:14:59.780 – 00:15:00.440] Dan Wakalah

[00:15:00.440 – 00:15:01.460] Saya pun tak hafal sangat

[00:15:01.460 – 00:15:02.540] Tapi saya cuba hafal lah

[00:15:02.540 – 00:15:03.620] Untuk buat video ni saya hafal

[00:15:03.620 – 00:15:04.760] Khad Hassan apa?

[00:15:05.000 – 00:15:05.940] Khad Hassan simple je

[00:15:05.940 – 00:15:07.240] Suka rela

[00:15:07.240 – 00:15:07.800] Okay

[00:15:07.800 – 00:15:09.000] Dalam Islamic law

[00:15:09.000 – 00:15:09.760] Nak awak kena faham

[00:15:09.760 – 00:15:11.680] Kita tak boleh ada janji

[00:15:11.680 – 00:15:12.340] Apa-apa benefit

[00:15:12.340 – 00:15:13.480] Contohnya saya bagi pinjam duit

[00:15:13.480 – 00:15:14.120] 10,000 kat awak

[00:15:14.120 – 00:15:14.820] Saya kata okay

[00:15:14.820 – 00:15:16.180] Saya bagi pinjam duit 10,000

[00:15:16.180 – 00:15:16.820] Nanti awak bagi

[00:15:16.820 – 00:15:18.320] Bayar saya balik return 1,000

[00:15:18.320 – 00:15:19.220] Maksudnya 11,000

[00:15:19.220 – 00:15:19.920] Dah haram

[00:15:19.920 – 00:15:20.780] Tak boleh dah

[00:15:20.780 – 00:15:21.240] Sebab apa?

[00:15:21.340 – 00:15:21.940] Itulah riba

[00:15:21.940 – 00:15:23.500] Dia ada kelebihan

[00:15:23.500 – 00:15:25.300] Orang yang meminjamkan duit

[00:15:25.300 – 00:15:27.120] Tak boleh dapat apa-apa kelebihan

[00:15:27.120 – 00:15:28.240] Daripada duit yang dipinjamkan

[00:15:28.240 – 00:15:29.620] Sebab duit dia tak ada nilai

[00:15:29.620 – 00:15:31.880] Dia tak boleh untung daripada duit

[00:15:31.880 – 00:15:32.980] Sebab tu lah forex haram

[00:15:32.980 – 00:15:34.900] Sebab dia untung daripada duit

[00:15:34.900 – 00:15:36.260] Dia tak ada apa-apa manfaat

[00:15:36.260 – 00:15:37.760] Dia kena untung daripada sesuatu

[00:15:37.760 – 00:15:39.340] Dia tak boleh untung hata angin

[00:15:39.340 – 00:15:39.740] Macam tu

[00:15:39.740 – 00:15:41.500] So, apa yang kita nak buat

[00:15:41.500 – 00:15:43.480] Dalam situasi Kod Hassan ni adalah

[00:15:43.480 – 00:15:45.280] Konsep dia hibah sukurela

[00:15:45.280 – 00:15:46.800] Maksudnya hadiah sukurela

[00:15:46.800 – 00:15:48.760] Contoh, saya bagi pinjam kepada seseorang ni

[00:15:48.760 – 00:15:50.080] Lepas tu dia kata

[00:15:50.080 – 00:15:51.580] Eh, kau bagi pinjam kat aku

[00:15:51.980 – 00:15:52.940] Nanti akan datang

[00:15:52.940 – 00:15:53.180] InsyaAllah

[00:15:53.180 – 00:15:54.360] Kalau ada untung ke apa

[00:15:54.360 – 00:15:54.980] Aku bagilah

[00:15:54.980 – 00:15:55.880] Sagu hati ke engkau

[00:15:55.880 – 00:15:56.560] Itu tak apa

[00:15:57.340 – 00:15:58.220] Tapi kalau tak ada

[00:15:58.940 – 00:15:59.740] Aku tak bagi tau

[00:15:59.740 – 00:16:00.360] Tak apa

[00:16:00.360 – 00:16:00.980] Aku tak kisah pun

[00:16:00.980 – 00:16:01.600] Dia kena macam tu

[00:16:01.600 – 00:16:02.280] Dia tak boleh paksaan

[00:16:02.280 – 00:16:02.760] Dia tak boleh macam

[00:16:03.220 – 00:16:03.580] Dib

[00:16:03.580 – 00:16:04.220] Aku

[00:16:04.220 – 00:16:05.260] Kau bagi minyak dik aku

[00:16:05.260 – 00:16:06.560] Aku akan bagi kau sesuatu

[00:16:06.560 – 00:16:07.240] Itu tak boleh dah

[00:16:07.240 – 00:16:08.700] Dia tak boleh kena paksa

[00:16:09.120 – 00:16:09.600] Macam tu

[00:16:09.600 – 00:16:11.060] Macam better rahsiakan je lah

[00:16:11.060 – 00:16:11.760] Macam

[00:16:11.760 – 00:16:12.420] Thank you eh

[00:16:12.420 – 00:16:12.960] Nanti insyaAllah

[00:16:12.960 – 00:16:13.740] Kalau ada lebih aku bagi

[00:16:13.740 – 00:16:14.300] Kalau tak ada lebih

[00:16:14.300 – 00:16:15.700] Aku bagi yang asal je lah

[00:16:15.700 – 00:16:16.320] Pokok je lah

[00:16:16.320 – 00:16:16.860] RM10,000

[00:16:16.860 – 00:16:17.620] Aku bagi balik RM10,000

[00:16:17.620 – 00:16:18.280] Itu tak apa

[00:16:19.220 – 00:16:19.580] So

[00:16:19.580 – 00:16:20.480] Kod Hassan ni

[00:16:23.200 – 00:16:23.720] Tanpa

[00:16:24.560 – 00:16:25.080] Perjanjian

[00:16:25.080 – 00:16:26.600] Untuk memberikan sesuatu

[00:16:26.600 – 00:16:27.760] Dia tak boleh ada macam

[00:16:27.760 – 00:16:28.660] In advance

[00:16:28.660 – 00:16:29.680] Oh aku bagi kau 5%

[00:16:29.680 – 00:16:30.020] Tak boleh

[00:16:30.020 – 00:16:31.000] Itu Kau Hassan

[00:16:31.000 – 00:16:31.520] Dia senang cerita

[00:16:31.520 – 00:16:32.420] Hibah sekurela lah

[00:16:32.420 – 00:16:33.640] Pinjaman faedah

[00:16:35.580 – 00:16:36.440] Tanpa faedah

[00:16:36.440 – 00:16:37.280] Dia tanpa faedah

[00:16:37.280 – 00:16:38.460] Dan dia bagi hibah

[00:16:38.460 – 00:16:39.020] Sekurela

[00:16:39.020 – 00:16:39.320] Okay

[00:16:39.320 – 00:16:40.520] Next adalah musyarakah

[00:16:40.520 – 00:16:41.760] Musyarakah ni pula

[00:16:41.760 – 00:16:42.760] Kita jadikan dia shareholder

[00:16:42.760 – 00:16:43.800] Itu musyarakah lah ni

[00:16:43.800 – 00:16:45.480] Yang si siapa ni Amir

[00:16:45.480 – 00:16:46.460] Amir ni musyarakah lah

[00:16:46.460 – 00:16:47.580] Dia akan own share company

[00:16:47.580 – 00:16:49.020] Dan dia adalah

[00:16:49.020 – 00:16:49.940] Beli kerja syarikat

[00:16:49.940 – 00:16:50.960] Semua pihak keluar duit

[00:16:50.960 – 00:16:51.540] Itu ayat dia

[00:16:51.540 – 00:16:53.300] Semua pihak keluar duit

[00:16:53.300 – 00:16:54.180] Itu musyarakah

[00:16:54.180 – 00:16:55.240] Musyarakah ni

[00:16:55.240 – 00:16:55.760] Beli share lah

[00:16:55.760 – 00:16:57.260] Kita ada mudah

[00:16:57.260 – 00:16:58.000] Mudah Rabah pula

[00:16:58.000 – 00:16:58.940] Okay mudah Rabah ni

[00:16:58.940 – 00:16:59.520] Ayat dia adalah

[00:16:59.520 – 00:17:00.260] Sleeping partner

[00:17:00.260 – 00:17:01.740] Sleeping partner dalam bentuk

[00:17:02.300 – 00:17:03.460] Seorang keluar duit

[00:17:03.460 – 00:17:04.940] Seorang lagi buat kerja

[00:17:04.940 – 00:17:05.740] Dia macam tu

[00:17:05.740 – 00:17:07.280] Kalau dua-dua keluar duit

[00:17:07.280 – 00:17:07.820] Dia tak keluar jadilah

[00:17:07.820 – 00:17:08.540] Mudah Rabah

[00:17:08.540 – 00:17:09.880] Dia jadi musyarakah

[00:17:09.880 – 00:17:11.100] Mudah Rabah ni

[00:17:11.100 – 00:17:11.620] Maksudnya

[00:17:11.620 – 00:17:13.180] Saya bagi duit kat awak

[00:17:13.180 – 00:17:14.620] Awak buat kerja

[00:17:14.620 – 00:17:15.060] Kita

[00:17:15.060 – 00:17:16.300] Kita one plus one

[00:17:16.300 – 00:17:16.920] Dari sudut duit

[00:17:16.920 – 00:17:17.540] Dan juga tenaga

[00:17:17.540 – 00:17:18.820] So apa yang berlaku

[00:17:18.820 – 00:17:20.160] Kita akan buat

[00:17:20.160 – 00:17:21.360] Profit sharing agreement

[00:17:21.980 – 00:17:23.380] Dia bukannya shareholder

[00:17:23.960 – 00:17:25.280] Hanya profit sharing agreement

[00:17:25.280 – 00:17:27.080] Tak ada nama dalam SSM dan sebagainya

[00:17:27.080 – 00:17:29.480] Contohnya saya bagi duit 100 ribu

[00:17:29.480 – 00:17:30.440] Lepas tu kita buat agreement

[00:17:30.440 – 00:17:32.520] Daripada duit yang saya bagi 100 ribu ni

[00:17:32.520 – 00:17:33.940] Kalau ada untung saya nak 50-50

[00:17:34.740 – 00:17:35.220] Nampak?

[00:17:35.700 – 00:17:36.700] So saya bagi duit je

[00:17:36.700 – 00:17:37.640] Awak buat kerja

[00:17:37.640 – 00:17:38.520] Awak pula bagi apa?

[00:17:38.680 – 00:17:39.860] Saya bagi tenaga saya

[00:17:39.860 – 00:17:41.260] Saya bagi orang ni pula

[00:17:41.260 – 00:17:41.860] Saya bagi duit

[00:17:41.860 – 00:17:44.380] Ok kalau ada untung daripada keuntungan tu 50-50

[00:17:44.960 – 00:17:45.600] Macam tu

[00:17:46.320 – 00:17:47.820] Dan kalau gagal

[00:17:47.820 – 00:17:49.000] Duit dia burn lah

[00:17:49.000 – 00:17:50.040] Bukan jadi hutang

[00:17:50.040 – 00:17:50.900] Hutang tak boleh

[00:17:50.900 – 00:17:52.940] Sebab tu dalam mudah rabah

[00:17:52.940 – 00:17:53.520] Dia

[00:17:53.520 – 00:17:54.940] Kalau saya bagi RM100,000

[00:17:54.940 – 00:17:55.720] Lepas tu saya nak awak

[00:17:55.720 – 00:17:56.880] Bayar balik RM100,000

[00:17:56.880 – 00:17:58.380] Walaupun untung ke tak untung

[00:17:58.380 – 00:17:59.020] Tu dah haram dah

[00:17:59.020 – 00:18:00.780] Dalam konsep mudah rabah

[00:18:00.780 – 00:18:02.080] Hanya kalau betul-betul

[00:18:02.080 – 00:18:02.880] Kecuaian

[00:18:02.880 – 00:18:04.100] Pengusaha tu je

[00:18:04.100 – 00:18:05.420] Orang yang menguruskan duit tu

[00:18:05.420 – 00:18:06.360] Kalau betul-betul dia cuai

[00:18:06.360 – 00:18:07.600] Barulah kita boleh minta balik duit

[00:18:07.600 – 00:18:09.080] Tapi dalam konsep asas

[00:18:09.080 – 00:18:10.620] Dia dia sama macam masyarakat

[00:18:10.620 – 00:18:11.740] Dia konsep sama macam

[00:18:11.740 – 00:18:12.280] Shareholder lah

[00:18:12.280 – 00:18:12.760] Shareholder

[00:18:12.760 – 00:18:13.880] Takkanlah awak invest duit

[00:18:13.880 – 00:18:14.800] RM10,000-RM10,000

[00:18:14.800 – 00:18:15.920] Suddenly RM5,000

[00:18:15.920 – 00:18:16.100] Eh

[00:18:16.100 – 00:18:17.740] Rugi nak balik duit

[00:18:17.740 – 00:18:17.940] Mana?

[00:18:18.180 – 00:18:18.320] Dia

[00:18:18.320 – 00:18:19.660] Bisnes rugi

[00:18:19.660 – 00:18:20.240] Rugi lah

[00:18:20.240 – 00:18:21.940] So muda rabah pun sama

[00:18:21.940 – 00:18:23.220] Kalau rugi

[00:18:23.220 – 00:18:24.520] Walaupun awak bagi duit

[00:18:24.520 – 00:18:25.420] Seorang lagi bagi tenaga

[00:18:25.420 – 00:18:26.520] Dua-dua akan rugi

[00:18:26.520 – 00:18:28.520] Orang A rugi dalam bentuk duit

[00:18:28.520 – 00:18:30.160] Orang B rugi dalam bentuk tenaga

[00:18:30.160 – 00:18:31.040] Dua-dua rugi

[00:18:31.040 – 00:18:32.600] So dia tak boleh minta balik

[00:18:32.600 – 00:18:34.480] So that's why lah dia jadi halal

[00:18:34.480 – 00:18:35.000] Sebab

[00:18:35.000 – 00:18:36.940] Dua-dua keluar sesuatu

[00:18:36.940 – 00:18:37.680] Seorang keluar duit

[00:18:37.680 – 00:18:38.360] Seorang keluar tenaga

[00:18:38.360 – 00:18:40.420] Dan dia berkongsi keuntungan eh

[00:18:40.420 – 00:18:41.420] Keuntungan

[00:18:41.420 – 00:18:42.420] Daripada

[00:18:42.420 – 00:18:44.060] Yang dia dijanjikan dalam bentuk

[00:18:44.060 – 00:18:44.360] Share

[00:18:45.440 – 00:18:46.580] Profit sharing agreement

[00:18:46.580 – 00:18:47.980] Dia tak boleh buat SSM pun

[00:18:47.980 – 00:18:49.540] Okay next kita ada

[00:18:49.540 – 00:18:51.880] murah bahar. Murah bahar ni pula

[00:18:51.880 – 00:18:53.580] apa? Murah bahar ni adalah

[00:18:53.580 – 00:18:55.780] jual atau jual. Sub-sale ataupun

[00:18:55.780 – 00:18:57.480] cost-sale. Contoh eh. Paling senang lah.

[00:18:57.960 – 00:18:59.240] Saya nak tolong awak.

[00:18:59.840 – 00:19:00.780] Saya ada satu

[00:19:02.520 – 00:19:03.560] mesin ni saya nak jual.

[00:19:04.460 – 00:19:05.640] Awak jumpa saya lah.

[00:19:05.760 – 00:19:07.420] Contoh usahawan ni jumpa saya. Semekam. Tuan Adib.

[00:19:07.560 – 00:19:09.420] Tuan Adib. Tolonglah invest kat saya. Kenapa ni?

[00:19:09.800 – 00:19:10.940] Saya nak beli mesin.

[00:19:11.540 – 00:19:12.720] Mesin tu harga RM10,000.

[00:19:13.320 – 00:19:15.280] Alamak. You go. Tolonglah invest.

[00:19:15.500 – 00:19:17.740] Alamak. Macam ni lah. Takpelah. Kita buat murah bahar lah.

[00:19:18.240 – 00:19:19.360] Murah bahar ni macam ni.

[00:19:19.540 – 00:19:20.920] Saya belikan dulu mesin ni

[00:19:20.920 – 00:19:22.100] Harga RM10,000

[00:19:22.100 – 00:19:23.700] Tapi saya jual balik dekat awak

[00:19:23.700 – 00:19:24.600] Harga RM13,000

[00:19:25.580 – 00:19:27.460] Maksudnya saya dah untung atas angin

[00:19:27.460 – 00:19:28.280] RM3,000 kat situ

[00:19:29.060 – 00:19:30.040] Awak setuju tak?

[00:19:30.760 – 00:19:31.320] Setuju

[00:19:31.320 – 00:19:31.880] Tapi

[00:19:31.880 – 00:19:33.680] Sebab saya nak invest kat awak juga

[00:19:33.680 – 00:19:34.260] Saya nak tolong awak

[00:19:34.260 – 00:19:36.400] Saya buat flexible payment 12 bulan

[00:19:36.400 – 00:19:38.260] So harga RM13,000 tu

[00:19:38.260 – 00:19:39.400] Bayar 13 bulan lah

[00:19:39.400 – 00:19:40.140] Katalah sebulan

[00:19:40.140 – 00:19:41.560] RM1,000, RM1,000, RM1,000, RM1,000

[00:19:41.560 – 00:19:42.400] Selama 13 bulan

[00:19:42.400 – 00:19:43.520] So apa yang berlaku

[00:19:43.520 – 00:19:45.660] Kita panggil dia macam sub sale

[00:19:45.660 – 00:19:47.040] Jual atas jual

[00:19:47.860 – 00:19:48.800] Sub cost

[00:19:48.800 – 00:19:50.160] Maksudnya kita beli dulu

[00:19:50.160 – 00:19:51.460] Dan kita jual balik

[00:19:51.460 – 00:19:53.080] Sebab kalau saya nak kata

[00:19:53.080 – 00:19:53.960] Saya bagi RM10,000

[00:19:53.960 – 00:19:55.720] Saya nak return RM13,000

[00:19:55.720 – 00:19:56.360] Jadi haram dah

[00:19:56.360 – 00:19:57.320] Setiap saya kata macam tu

[00:19:57.320 – 00:19:57.700] Macam ni lah

[00:19:57.700 – 00:19:59.480] Kalau saya bagi balik RM10,000

[00:19:59.960 – 00:20:01.980] Saya nak return kalau boleh RM13,000

[00:20:01.980 – 00:20:03.100] Tapi saya buat cari islamic

[00:20:03.100 – 00:20:05.060] Saya akan beli dulu produk tu

[00:20:05.600 – 00:20:06.380] Awak nak apa?

[00:20:06.640 – 00:20:08.760] Oh saya nak beli satu kamera ni

[00:20:08.760 – 00:20:09.820] Kamera ni bagus

[00:20:09.820 – 00:20:11.540] Okay saya belikan kamera ni kat awak

[00:20:12.020 – 00:20:13.860] Lepas tu esok lepas saya beli je

[00:20:13.860 – 00:20:14.780] Ataupun hari yang sama

[00:20:14.780 – 00:20:16.360] Saya jual balik dekat awak

[00:20:16.360 – 00:20:18.260] Dengan flexible payment

[00:20:18.260 – 00:20:19.720] Selama 12 bulan

[00:20:21.240 – 00:20:22.060] Sebab apa

[00:20:22.060 – 00:20:23.200] Dalam Islamic loan

[00:20:23.200 – 00:20:24.480] Islamic punya

[00:20:25.560 – 00:20:26.160] Cara

[00:20:26.160 – 00:20:27.840] Dia mesti kena ada barang

[00:20:27.840 – 00:20:28.600] Awak ni itu je

[00:20:28.600 – 00:20:30.200] Dia mesti kena ada

[00:20:30.200 – 00:20:31.200] Sesuatu barang

[00:20:31.200 – 00:20:31.640] Dia tak boleh

[00:20:31.640 – 00:20:33.100] Atas duit dan masa

[00:20:33.100 – 00:20:33.520] Dia tak boleh

[00:20:33.520 – 00:20:34.780] Sebab apa

[00:20:34.780 – 00:20:35.740] Dia jadi halal

[00:20:35.740 – 00:20:36.860] Sebab saya beli

[00:20:36.860 – 00:20:37.640] Satu kamera

[00:20:37.640 – 00:20:38.540] Saya jual balik

[00:20:38.540 – 00:20:38.820] Kat awak

[00:20:38.820 – 00:20:39.440] Harga RM13,000

[00:20:39.440 – 00:20:40.200] Awak yang setuju

[00:20:40.200 – 00:20:40.480] So

[00:20:40.480 – 00:20:41.560] Kita berniaga

[00:20:41.560 – 00:20:42.660] Di atas barang

[00:20:42.660 – 00:20:43.560] Yang ada manfaat

[00:20:43.560 – 00:20:44.700] Macam tu

[00:20:44.700 – 00:20:45.920] Itu je asas Islamic ni

[00:20:45.920 – 00:20:46.560] Bila saya dah faham

[00:20:47.160 – 00:20:48.140] Memang cantik

[00:20:48.140 – 00:20:49.140] Memang perfect

[00:20:49.140 – 00:20:49.840] Okay

[00:20:49.840 – 00:20:51.180] So murah bahar faham eh

[00:20:51.180 – 00:20:52.280] Dia adalah jual balik

[00:20:52.280 – 00:20:53.520] So beli dulu

[00:20:53.520 – 00:20:54.520] Then jual balik

[00:20:54.520 – 00:20:55.240] Dengan harga markup

[00:20:55.240 – 00:20:55.540] Simple

[00:20:55.540 – 00:20:57.040] Itu adalah murah bahar

[00:20:57.040 – 00:20:57.500] Sebab dia

[00:20:57.500 – 00:20:58.640] Dalam Islamic loan ni

[00:20:58.640 – 00:21:00.940] Dia mesti kena ada sesuatu

[00:21:00.940 – 00:21:02.380] Mesti kena ada sesuatu

[00:21:02.380 – 00:21:03.140] Yang kita bersandarkan

[00:21:03.140 – 00:21:04.160] Bukan je atas duit

[00:21:04.160 – 00:21:05.620] Saya bagi duit 10,000

[00:21:05.620 – 00:21:06.640] Saya nak return 13,000

[00:21:06.640 – 00:21:07.360] Boom riba

[00:21:07.360 – 00:21:09.220] Saya beli balik

[00:21:09.220 – 00:21:10.240] Barang yang awak nak beli tu

[00:21:10.240 – 00:21:11.360] Dan saya jual balik

[00:21:11.360 – 00:21:12.500] Dengan harga markup 13,000

[00:21:12.500 – 00:21:13.880] Saya untung 3,000 atang ni

[00:21:13.880 – 00:21:14.320] Awak setuju tak?

[00:21:14.460 – 00:21:14.680] Setuju

[00:21:14.680 – 00:21:16.720] Tapi saya bagi flexible payment lah

[00:21:16.720 – 00:21:17.840] Sebab kan nama dia hutang

[00:21:17.840 – 00:21:19.460] 6 bulan pertama tak payah

[00:21:19.460 – 00:21:20.720] Bayar pada bulan ketujuh

[00:21:20.720 – 00:21:21.460] Pada-pada lah kita buat

[00:21:21.460 – 00:21:21.760] Sebab

[00:21:21.760 – 00:21:23.280] Flexible payment ni atas kita

[00:21:23.280 – 00:21:24.360] Kita penjual

[00:21:24.360 – 00:21:25.740] Macam ni macam ni lah

[00:21:25.740 – 00:21:27.220] Ada seorang ni pergi dekat Jepun

[00:21:27.220 – 00:21:28.480] Dia tolong belikan barang

[00:21:28.480 – 00:21:29.340] Lepas tu dia makat

[00:21:29.340 – 00:21:29.960] Pesuna shopper

[00:21:29.960 – 00:21:30.800] Sama je konsep dia

[00:21:30.800 – 00:21:32.940] Murah bahan ni macam konsep dia

[00:21:32.940 – 00:21:34.060] Kita buat trading je sebenarnya

[00:21:34.060 – 00:21:35.020] Kita belikan sesuatu

[00:21:35.020 – 00:21:35.560] Jual balik

[00:21:36.340 – 00:21:37.880] Lepas tu kita ada yang kelima

[00:21:37.880 – 00:21:38.560] Wakalah

[00:21:38.560 – 00:21:40.100] Bi'al Ujruh

[00:21:40.100 – 00:21:40.940] Huh wakalah

[00:21:40.940 – 00:21:42.440] Wakalah ni senang cerita

[00:21:42.440 – 00:21:43.940] Macam hedge fund islamic

[00:21:43.940 – 00:21:44.520] Ataupun

[00:21:44.520 – 00:21:46.040] Agen pelaburan

[00:21:46.040 – 00:21:47.240] Dia tolong

[00:21:47.240 – 00:21:48.060] Pegangkan duit

[00:21:48.060 – 00:21:48.800] Dia ada orang A

[00:21:48.800 – 00:21:49.260] Orang B

[00:21:49.260 – 00:21:49.720] Orang C

[00:21:49.720 – 00:21:50.980] Ni saya kena lukis sikit lah

[00:21:50.980 – 00:21:51.480] Wakalah

[00:21:51.480 – 00:21:52.780] Wakanda apa ni

[00:21:52.780 – 00:21:54.120] Orang A

[00:21:54.120 – 00:21:55.200] Orang B

[00:21:55.200 – 00:21:56.160] Orang C

[00:21:56.160 – 00:21:56.820] Ok

[00:21:56.820 – 00:21:57.980] Orang A ada duit

[00:21:57.980 – 00:21:59.800] Dia ada RM

[00:21:59.800 – 00:22:00.300] RM100

[00:22:00.300 – 00:22:02.700] Dia bagi dekat orang B

[00:22:04.110 – 00:22:05.550] Orang B

[00:22:05.550 – 00:22:07.170] Bagi dekat orang C

[00:22:07.170 – 00:22:08.130] C ni

[00:22:08.130 – 00:22:09.210] Company A lah

[00:22:09.210 – 00:22:10.290] Katalah kita panggil

[00:22:10.290 – 00:22:11.390] Company

[00:22:11.390 – 00:22:12.570] A

[00:22:12.570 – 00:22:13.010] B

[00:22:13.010 – 00:22:13.470] C

[00:22:13.470 – 00:22:15.150] Yang orang B ni

[00:22:15.150 – 00:22:15.710] Dia adalah

[00:22:15.710 – 00:22:16.710] Kita panggil

[00:22:16.710 – 00:22:17.550] Kita panggil dia

[00:22:17.550 – 00:22:18.070] Agent

[00:22:18.850 – 00:22:19.950] ataupun hedge fund

[00:22:21.050 – 00:22:21.570] agent

[00:22:21.570 – 00:22:22.230] ok

[00:22:23.430 – 00:22:24.150] agent lah

[00:22:24.150 – 00:22:25.370] macam unit trust ke apa kan

[00:22:25.370 – 00:22:27.010] dia macam orang yang menguruskan dana tu

[00:22:27.010 – 00:22:27.810] so

[00:22:28.810 – 00:22:29.650] orang A

[00:22:29.650 – 00:22:30.670] dia bagi duit kat orang B

[00:22:30.670 – 00:22:31.170] dia kata

[00:22:31.170 – 00:22:32.050] ok macam ni orang B

[00:22:32.050 – 00:22:34.110] aku percaya kau ni pandai uruskan duit

[00:22:34.110 – 00:22:35.030] kau invest lah kat mana-mana

[00:22:35.030 – 00:22:35.510] kau nak letak

[00:22:35.510 – 00:22:36.370] ok cantik

[00:22:36.370 – 00:22:37.650] so orang B

[00:22:37.650 – 00:22:38.650] invest kat company

[00:22:38.650 – 00:22:39.730] ABC ni

[00:22:39.730 – 00:22:40.970] dia bagilah dalam bentuk

[00:22:40.970 – 00:22:42.090] murabaha ke

[00:22:42.090 – 00:22:43.350] dia bagi dalam bentuk

[00:22:43.350 – 00:22:44.330] musyarakah ke

[00:22:44.330 – 00:22:45.330] apa-apalah

[00:22:45.330 – 00:22:46.350] Islamic terms

[00:22:46.350 – 00:22:47.530] dia invest ke

[00:22:47.530 – 00:22:48.450] Sukarela ke

[00:22:48.450 – 00:22:49.030] Kod Hassan

[00:22:49.030 – 00:22:49.370] Jarang lah

[00:22:49.370 – 00:22:49.830] Orang letak eh

[00:22:49.830 – 00:22:50.370] Biasanya dalam

[00:22:51.530 – 00:22:52.170] Mudarabah

[00:22:52.170 – 00:22:52.650] Mudarabah

[00:22:52.650 – 00:22:53.150] Biasanya lah

[00:22:53.150 – 00:22:54.150] Dia profit sharing

[00:22:54.150 – 00:22:55.330] So agent

[00:22:55.330 – 00:22:56.350] Letak company ABC

[00:22:56.350 – 00:22:57.130] Dia buat profit sharing

[00:22:57.130 – 00:22:58.450] Hasil keuntungan

[00:22:59.210 – 00:23:00.390] Keuntungan return balik

[00:23:01.230 – 00:23:02.810] Keuntungan return balik

[00:23:02.810 – 00:23:03.990] Sebanyak RM

[00:23:05.570 – 00:23:06.530] RM200,000

[00:23:07.290 – 00:23:08.090] Katakan lah

[00:23:08.090 – 00:23:09.870] So apa yang berlaku

[00:23:09.870 – 00:23:11.050] Agent ni

[00:23:11.050 – 00:23:11.710] Dia tak boleh markup

[00:23:11.710 – 00:23:11.990] Di sini

[00:23:11.990 – 00:23:13.630] Dia kena ambil

[00:23:13.630 – 00:23:14.610] Dipanggil sebagai

[00:23:15.630 – 00:23:16.890] Service fee

[00:23:16.890 – 00:23:18.250] Maksud tak?

[00:23:22.260 – 00:23:23.140] Bawa RM

[00:23:23.140 – 00:23:24.200] Tulis

[00:23:24.860 – 00:23:25.460] Mana

[00:23:25.460 – 00:23:26.520] Merah

[00:23:27.200 – 00:23:29.420] Agent me ni dia kena ambil dalam bentuk

[00:23:30.300 – 00:23:30.900] Service

[00:23:30.900 – 00:23:31.960] Fee

[00:23:32.720 – 00:23:33.320] Maksudnya

[00:23:33.320 – 00:23:34.560] Katalah ok

[00:23:34.560 – 00:23:36.040] Saya charge service fee eh

[00:23:36.040 – 00:23:37.400] Saya akan menguruskan dana ni

[00:23:37.400 – 00:23:38.840] Service fee saya adalah RM

[00:23:39.680 – 00:23:40.580] RM30,000

[00:23:41.260 – 00:23:42.700] Untuk 12 bulan

[00:23:42.700 – 00:23:44.060] Saya uruskan

[00:23:44.060 – 00:23:45.720] Sebab saya nak kena buat due diligence

[00:23:45.720 – 00:23:47.360] Saya nak kena kaji

[00:23:48.300 – 00:23:50.520] Due diligence lah dan sebagainya

[00:23:50.520 – 00:23:51.320] So point dia

[00:23:51.320 – 00:23:52.120] Orang B ni

[00:23:52.120 – 00:23:53.500] Dia ada macam

[00:23:54.380 – 00:23:55.400] Fixed rate biasanya

[00:23:56.880 – 00:23:58.000] Sebab uruskan dana

[00:23:58.680 – 00:23:59.820] Dia memang kena buat kerja

[00:23:59.820 – 00:24:00.460] Dia tak boleh lah

[00:24:00.460 – 00:24:02.660] Orang B ni main letak-letak macam tu je

[00:24:03.600 – 00:24:04.520] Dia tak boleh macam tu

[00:24:06.550 – 00:24:07.310] Dia tak boleh lah

[00:24:07.310 – 00:24:08.770] Orang B ni main letak-letak macam tu

[00:24:08.770 – 00:24:09.230] Dia tak boleh eh

[00:24:09.230 – 00:24:10.330] Dia kena ada satu

[00:24:11.290 – 00:24:13.250] Keuntungan yang disebabkan oleh kerja sebenar

[00:24:13.250 – 00:24:14.450] Dia ni macam agent lah

[00:24:14.450 – 00:24:14.850] Agent

[00:24:14.850 – 00:24:16.250] So dia ambil fixed rate

[00:24:17.090 – 00:24:18.710] Orang A bagi duit kat orang B

[00:24:18.710 – 00:24:20.790] Orang B invest kat C

[00:24:20.790 – 00:24:22.270] Lepas tu C ni bayar balik

[00:24:22.270 – 00:24:24.410] So berapa orang A untung

[00:24:24.410 – 00:24:26.010] Orang A untung adalah

[00:24:26.010 – 00:24:27.230] 200k

[00:24:27.230 – 00:24:28.850] Tolak dengan

[00:24:29.610 – 00:24:30.290] 30k

[00:24:30.290 – 00:24:31.850] Dia pun untunglah

[00:24:32.950 – 00:24:33.630] 170k

[00:24:34.630 – 00:24:36.050] Agent B ni pula

[00:24:36.050 – 00:24:37.710] Dia macam Islamic hedge fund

[00:24:37.710 – 00:24:39.470] Dia ambil fixed rate je

[00:24:39.470 – 00:24:41.350] Takpe tuan saya menguruskan dana tuan ni

[00:24:41.350 – 00:24:42.130] Saya hanya minta

[00:24:42.130 – 00:24:43.330] Sebagai pengurus

[00:24:43.330 – 00:24:44.310] Yang menguruskan dana

[00:24:44.310 – 00:24:45.650] Yang mengkaji

[00:24:45.650 – 00:24:47.010] Tengok investment opportunity

[00:24:47.010 – 00:24:47.970] Saya nak

[00:24:50.290 – 00:24:52.250] 30 ribu contohnya setahun

[00:24:52.250 – 00:24:53.790] mungkin kalau ada performance

[00:24:53.790 – 00:24:54.870] katalah ada profit

[00:24:54.870 – 00:24:55.990] saya nak juga daripada situ

[00:24:55.990 – 00:24:58.390] tapi benda ni kena dibuat secara

[00:24:59.010 – 00:25:00.510] dia boleh jadi fleksibel lah

[00:25:00.510 – 00:25:01.630] dia boleh jadi wakalah

[00:25:01.630 – 00:25:03.970] dengan mudah rabah

[00:25:03.970 – 00:25:05.170] maksudnya dia wakalah

[00:25:05.170 – 00:25:06.930] dan dia jadi agent

[00:25:06.930 – 00:25:08.450] pada masa sama dia buat profit sharing juga

[00:25:08.450 – 00:25:09.130] pun boleh juga

[00:25:09.130 – 00:25:11.850] sebab dia profit sharing based on profit

[00:25:11.850 – 00:25:13.630] bukannya based on duit yang diuruskan

[00:25:13.630 – 00:25:14.690] ni beza hedge fund

[00:25:14.690 – 00:25:15.990] sebab hedge fund

[00:25:15.990 – 00:25:17.350] dia ada satu fixed rate lah

[00:25:17.350 – 00:25:18.310] Kalau awak tahu hedge fund

[00:25:19.390 – 00:25:20.850] Hedge fund contohnya

[00:25:20.850 – 00:25:22.170] Dia uruskan 1 juta

[00:25:22.910 – 00:25:24.830] Daripada sini ni dia dah buat 2 charge

[00:25:24.830 – 00:25:25.770] Katalah dia charge

[00:25:25.770 – 00:25:26.730] Saya nak charge

[00:25:28.650 – 00:25:31.710] 2% plus 20%

[00:25:31.710 – 00:25:33.190] Kira je 2% berapa?

[00:25:33.710 – 00:25:34.570] 2,000

[00:25:36.050 – 00:25:37.330] 20,000

[00:25:37.330 – 00:25:38.390] 20,000

[00:25:38.390 – 00:25:41.810] 2% 20%

[00:25:44.160 – 00:25:45.520] 2% daripada 1 million

[00:25:45.520 – 00:25:46.540] 20,000

[00:25:50.440 – 00:25:51.440] yang ni adalah

[00:25:54.280 – 00:25:54.800] manage

[00:25:56.420 – 00:25:57.320] ni manage

[00:25:57.320 – 00:25:57.880] ni performance

[00:25:59.620 – 00:26:01.240] ok ni standard hedge fund lah

[00:26:01.240 – 00:26:02.960] tak kisahlah 2% ke 4% ke

[00:26:02.960 – 00:26:03.460] point dia macam ni

[00:26:03.460 – 00:26:05.000] hedge fund standard yang tak islamik ni

[00:26:05.000 – 00:26:05.460] dia kata

[00:26:05.460 – 00:26:07.480] kalau tuan bagi 1 juta

[00:26:07.480 – 00:26:09.440] saya akan charge 2% yearly

[00:26:09.440 – 00:26:11.240] sebab saya nak manage dana ni je

[00:26:11.240 – 00:26:12.400] dah tak boleh dah

[00:26:12.400 – 00:26:14.020] dalam islamik loan

[00:26:14.020 – 00:26:15.360] islamik punya capital

[00:26:15.360 – 00:26:16.120] dia tak boleh

[00:26:16.120 – 00:26:17.780] keuntungan disebabkan duit

[00:26:17.780 – 00:26:20.180] Dia kena keuntungan disebabkan service boleh

[00:26:20.180 – 00:26:23.080] So katalah saya hanya menguruskan dia 2%

[00:26:23.080 – 00:26:24.540] Terus saya nak charge 2%

[00:26:24.540 – 00:26:26.120] 1 million terus saya nak charge 2%

[00:26:26.120 – 00:26:26.520] Tak boleh lah

[00:26:26.520 – 00:26:27.340] Okay

[00:26:28.000 – 00:26:28.480] Manage

[00:26:28.480 – 00:26:29.380] Dia charge daripada duit

[00:26:29.380 – 00:26:30.940] Dia dah susah lah macam ni

[00:26:30.940 – 00:26:32.600] Okay lepas tu kalau perform

[00:26:32.600 – 00:26:34.000] Saya ambil lagi 20%

[00:26:34.000 – 00:26:34.720] Based on duit juga

[00:26:34.720 – 00:26:35.260] Dia tak boleh

[00:26:35.260 – 00:26:36.880] Sebab tu benda ni tak islamik

[00:26:36.880 – 00:26:38.520] Walaupun dia dapat RM220,000

[00:26:38.520 – 00:26:39.060] Per year

[00:26:39.640 – 00:26:40.500] Menguruskan duit tu

[00:26:40.500 – 00:26:42.320] Tapi dalam konsep

[00:26:42.320 – 00:26:43.000] Wakalah

[00:26:43.600 – 00:26:44.700] Bi Al-Ujrah

[00:26:45.360 – 00:26:46.180] Al-Ujrah

[00:26:46.180 – 00:26:47.020] Ujrah ni adalah

[00:26:47.460 – 00:26:48.940] fee, dia punya upah

[00:26:48.940 – 00:26:51.380] service, dia kena bersandarkan

[00:26:51.380 – 00:26:52.620] service pengurusan

[00:26:52.620 – 00:26:55.060] dan dia tak boleh atas hangin, dia kena buat kerja

[00:26:55.060 – 00:26:56.780] orang ni kena buat kerja, tu syarat dia

[00:26:56.780 – 00:26:58.700] sebab tu saya susah nak experiment ni, saya bukannya

[00:26:59.680 – 00:27:00.920] license islamik lah bagaimana

[00:27:00.920 – 00:27:03.120] takde, saya ni cek GPT, Pak Latau

[00:27:03.120 – 00:27:04.560] tengok youtube sikit, macam tu je

[00:27:04.560 – 00:27:07.240] so, tapi apa yang saya faham, bila saya dah kaji tu betul

[00:27:07.860 – 00:27:09.160] dia kena buat kerja

[00:27:09.160 – 00:27:11.060] dia kena disandarkan

[00:27:11.060 – 00:27:12.780] daripada kerja yang dibuat

[00:27:12.780 – 00:27:15.200] bukan daripada duit yang dia uruskan, itu je

[00:27:15.200 – 00:27:16.620] so, guys

[00:27:16.620 – 00:27:18.520] Kalau awak baru tengok video ni

[00:27:18.520 – 00:27:19.260] Tahniah

[00:27:19.260 – 00:27:20.820] Awak dah selangkah lebih bijak

[00:27:20.820 – 00:27:21.420] That's why

[00:27:21.420 – 00:27:22.840] Dalam loan option

[00:27:22.840 – 00:27:23.920] The only cara

[00:27:23.920 – 00:27:25.260] Untuk kita buat cara islamic

[00:27:25.260 – 00:27:26.120] Adalah guna account hasan

[00:27:27.040 – 00:27:27.800] Contoh Amir

[00:27:27.800 – 00:27:28.720] Amir bagi penyanyi duit

[00:27:29.500 – 00:27:30.420] Kita cakap Amir

[00:27:30.420 – 00:27:31.160] Ternilalah Amir

[00:27:31.160 – 00:27:32.480] Kalau company ada untung

[00:27:32.480 – 00:27:33.020] Kita bagi lebih

[00:27:33.020 – 00:27:34.520] Kalau company tak ada untung

[00:27:34.520 – 00:27:35.800] Kita tak boleh buat apalah

[00:27:35.800 – 00:27:36.720] Kita bagi pokok je lah

[00:27:36.720 – 00:27:37.180] Kau ok tak?

[00:27:37.340 – 00:27:38.020] Aku ok tak apa

[00:27:38.860 – 00:27:39.620] Kita niat lah

[00:27:39.620 – 00:27:40.040] Tak apa lah

[00:27:40.040 – 00:27:40.980] Nanti kalau untung lebih

[00:27:40.980 – 00:27:41.780] Bagi jalan lebih ke Amir

[00:27:42.280 – 00:27:42.840] Syarat dia

[00:27:42.840 – 00:27:43.840] Amir tak boleh tahu

[00:27:43.840 – 00:27:44.580] Berapa dia dapat

[00:27:44.580 – 00:27:45.760] Dengan loan RM50,000 tu

[00:27:45.760 – 00:27:47.100] Situasi kedua pula

[00:27:47.100 – 00:27:47.980] Musyarakah

[00:27:47.980 – 00:27:48.420] Ni standard lah

[00:27:48.420 – 00:27:49.020] Saya dah explain tadi

[00:27:49.020 – 00:27:49.640] Yang ni

[00:27:49.640 – 00:27:50.720] Yang ni musyarakah ni

[00:27:50.720 – 00:27:52.140] Maksudnya kita buat

[00:27:52.140 – 00:27:52.980] Tarik Amir

[00:27:52.980 – 00:27:53.600] Sebagai

[00:27:54.940 – 00:27:55.500] Investor

[00:27:55.500 – 00:27:56.320] Shareholder

[00:27:56.320 – 00:27:57.080] Right

[00:27:57.080 – 00:27:58.180] So itu sahaja

[00:27:58.180 – 00:27:59.780] Untuk video type of capital

[00:27:59.780 – 00:28:00.420] Tahniah

[00:28:00.420 – 00:28:01.660] Pada awak lebih bijak

[00:28:01.660 – 00:28:02.800] Daripada sebelum ni

[00:28:02.800 – 00:28:03.880] So lepas ni boleh guna lah ayat

[00:28:03.880 – 00:28:04.980] Aduh

[00:28:04.980 – 00:28:06.300] Habis lah share aku dilute

[00:28:06.300 – 00:28:07.140] Hulau

[00:28:07.140 – 00:28:08.060] Kemah bawah

[00:28:08.060 – 00:28:08.980] Jumpa dalam video seterusnya

[00:28:08.980 – 00:28:09.740] Yes