Healthy Profit Ratio
Source: https://coachadib.com/module/6ac0406091312412ad203c0a
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.000 – 00:00:05.300] Lepas dah faham pasal COGS, barulah kita boleh kira Healthy Profit Ratio.

[00:00:05.580 – 00:00:08.120] Sebab ilmu COGS ni akan digunakan.

[00:00:08.640 – 00:00:14.460] Dan saya nak memperkenalkan formula saya untuk hasilkan COGS.

[00:00:14.760 – 00:00:18.800] 40-20-40. Maksudnya apa?

[00:00:19.820 – 00:00:27.500] 40% cost product, 20% cost operasi, 40% profit before tax.

[00:00:27.500 – 00:00:33.500] Maksudnya ini untung. PBT ni adalah profit before tax. Keuntungan sebelum bayar cukai.

[00:00:33.860 – 00:00:41.180] Profit before tax. Sebab after tax dah tolak cukai 24%. Jadi kita ambil lah.

[00:00:41.580 – 00:00:50.080] Jadi kita nak 40% ni untuk COGS. 20% adalah untuk kos operasi, staff, office dan sebagainya.

[00:00:50.240 – 00:00:53.200] Lagi 40% untuk PBT. Ni lah lebih cantik. Nampak?

[00:00:53.920 – 00:00:56.220] Kenapa kita nak buat macam ni guys? Ada sebab dia.

[00:00:56.760 – 00:01:00.580] Saya tak nak anda buat bisnes yang OPEX heavy.

[00:01:01.300 – 00:01:03.180] Maksudnya, kita full-timekan semua orang.

[00:01:03.660 – 00:01:05.140] Oh, saya ada packing tuan.

[00:01:05.280 – 00:01:07.360] Eh, saya full-timekan packaging saya.

[00:01:07.540 – 00:01:10.500] Packing tu tak orang yang bungkus pasal-bungkus pasal-ish.

[00:01:10.740 – 00:01:12.400] Itu tak patutnya kita full-timekan.

[00:01:12.860 – 00:01:14.600] Patutnya tu, kita kontrakkan.

[00:01:14.900 – 00:01:17.460] So, kalau kita full-timekan, mungkin dia jatuh bawah OPEX.

[00:01:17.820 – 00:01:20.820] Tapi kalau kita kontrakkan dia, kita jatuhkan dia bawah COGS.

[00:01:21.060 – 00:01:22.320] Kita keluarkan kos tu.

[00:01:22.580 – 00:01:24.160] Daripada jadi kos tetap bulanan,

[00:01:24.160 – 00:01:27.500] Kalau tak ada job, makcik bedah yang buat packaging tu tak ada datang

[00:01:27.500 – 00:01:29.420] Kalau banyak job, makcik bedah

[00:01:29.420 – 00:01:31.100] Kena panggil makcik Rosnah

[00:01:31.100 – 00:01:32.720] Dengan panggil pakcik Daud

[00:01:32.720 – 00:01:33.800] Tiga-tiga orang buat

[00:01:33.800 – 00:01:35.040] Lepas habis seolah Jumaat

[00:01:35.680 – 00:01:37.640] Tiba makcik Rosnah pergi seolah Jumaat tak

[00:01:38.640 – 00:01:40.140] Jadi yang ni lebih selamat lah

[00:01:41.000 – 00:01:42.120] Sebab revenue

[00:01:43.020 – 00:01:44.640] Ni kita nak bezakan

[00:01:44.640 – 00:01:46.780] Revenue tolak dengan COGS dapat gross profit

[00:01:47.580 – 00:01:48.580] Untung kasar

[00:01:48.580 – 00:01:50.200] Maksudnya revenue ni apa?

[00:01:50.440 – 00:01:53.060] Revenue ni adalah semua income yang masuk dalam company

[00:01:53.060 – 00:01:53.720] Termasuklah sale

[00:01:53.720 – 00:01:55.000] sebab company ada banyak income

[00:01:55.000 – 00:01:56.260] kita ada dividend

[00:01:56.260 – 00:01:57.280] kita ada investment

[00:01:57.280 – 00:01:58.380] sana sini dan sebagainya

[00:01:58.380 – 00:02:00.060] so sales

[00:02:00.060 – 00:02:01.160] kalau company besar

[00:02:01.160 – 00:02:01.820] kecil je

[00:02:01.820 – 00:02:02.840] kalau company kecil

[00:02:02.840 – 00:02:03.760] dia semua adalah sale

[00:02:03.760 – 00:02:04.580] revenue dia adalah

[00:02:04.580 – 00:02:05.320] keseluruhannya sale

[00:02:05.320 – 00:02:06.580] so itu beza dia lah

[00:02:06.580 – 00:02:07.860] jadi dalam bahasa corporate

[00:02:07.860 – 00:02:08.440] dia panggil revenue

[00:02:08.440 – 00:02:09.100] sebab ini adalah

[00:02:09.100 – 00:02:10.120] semua duit masuk

[00:02:10.660 – 00:02:11.180] tapi

[00:02:11.180 – 00:02:12.160] kalau bahasa

[00:02:12.160 – 00:02:13.580] kita bahasa kampung

[00:02:13.580 – 00:02:14.420] kita panggil sale je lah

[00:02:14.420 – 00:02:15.460] sebab kita tak ada revenue lain

[00:02:15.460 – 00:02:16.580] kita tak ada pendapatan lain

[00:02:16.580 – 00:02:17.700] daripada investment ke apa ke

[00:02:17.700 – 00:02:19.520] tapi kita bahasakan corporate

[00:02:19.520 – 00:02:21.060] bahasa sebenar accounting

[00:02:21.680 – 00:02:22.200] revenue

[00:02:22.200 – 00:02:23.480] tolak dengan cost product

[00:02:23.480 – 00:02:24.640] Dapatlah untung kasar

[00:02:24.640 – 00:02:25.300] Gross profit

[00:02:25.300 – 00:02:26.440] Untung kasar

[00:02:26.440 – 00:02:27.580] Tolak dengan kos operasi

[00:02:27.580 – 00:02:28.220] Dapatlah

[00:02:28.220 – 00:02:29.240] Operating profit

[00:02:29.240 – 00:02:29.760] Maksudnya

[00:02:29.760 – 00:02:31.200] Ini bahasa ni kelakar sikit

[00:02:31.200 – 00:02:31.880] Waktu mula saya belajar

[00:02:31.880 – 00:02:32.000] Macam

[00:02:32.000 – 00:02:33.320] Eh asal operating profit eh

[00:02:33.320 – 00:02:34.400] Rupanya

[00:02:34.400 – 00:02:36.080] Kita ada kos operasi

[00:02:36.080 – 00:02:37.460] Kita ada operation

[00:02:37.460 – 00:02:39.760] Apakah keuntungan yang terhasil

[00:02:39.760 – 00:02:41.020] Daripada operasi kita

[00:02:41.020 – 00:02:42.380] Sebab keuntungan dia banyak

[00:02:42.380 – 00:02:43.500] Ada keuntungan yang datang

[00:02:43.500 – 00:02:44.140] Daripada investment

[00:02:44.140 – 00:02:45.060] So

[00:02:45.060 – 00:02:46.100] Investing

[00:02:46.100 – 00:02:47.020] Investment profit

[00:02:47.020 – 00:02:47.640] Contohnya

[00:02:47.640 – 00:02:48.900] Ada pula datang daripada

[00:02:48.900 – 00:02:49.600] Dividend profit

[00:02:50.460 – 00:02:51.180] Contohnya

[00:02:51.180 – 00:02:52.420] Interest profit

[00:02:52.420 – 00:02:54.840] So yang ni adalah operating profit

[00:02:55.380 – 00:02:56.940] Profit yang datang daripada

[00:02:56.940 – 00:02:58.880] Operation yang kita buat deliver service

[00:02:58.880 – 00:02:59.420] Pada customer

[00:03:00.660 – 00:03:02.780] Jadi operating profit ni ataupun orang kata

[00:03:02.780 – 00:03:04.980] Untung lah, ni dah untung, kita tak tolak lagi

[00:03:04.980 – 00:03:06.600] Dengan benda-benda lain, katalah

[00:03:06.600 – 00:03:08.840] Operating profit campur dengan untung

[00:03:08.840 – 00:03:10.700] Tempat lain, dividend ke apa ke

[00:03:10.700 – 00:03:13.020] Kita punya dapat investment sana sini

[00:03:13.020 – 00:03:14.840] Ke apa ke, tolak pula dengan

[00:03:14.840 – 00:03:16.820] Kita punya loan, tolak dengan loan-loan kita

[00:03:16.820 – 00:03:18.800] Dengan bank, tu nama dia finance cost, finance cost ni

[00:03:18.800 – 00:03:20.980] Adalah cost untuk mendapatkan kewangan

[00:03:20.980 – 00:03:23.500] Kita buat loan ke director loan, bank loan ke apa ke

[00:03:23.500 – 00:03:25.060] Dapatlah pula PBT

[00:03:25.060 – 00:03:28.760] Maksudnya semua duit masuk tolak dengan pembayaran loan

[00:03:28.760 – 00:03:30.540] Itu adalah profit before tax

[00:03:30.540 – 00:03:36.100] Profit before tax pula tolak dengan income tax company dalam 24% maximum

[00:03:36.100 – 00:03:37.760] 24% ni maximum lah

[00:03:37.760 – 00:03:41.880] Ada yang 17, 14 dan sebagainya

[00:03:41.880 – 00:03:44.300] 24% so dapatlah PBT

[00:03:44.300 – 00:03:45.480] Ni kalau maximum lah

[00:03:45.480 – 00:03:46.680] So faham tak?

[00:03:47.440 – 00:03:48.580] Harap-harap faham eh

[00:03:48.580 – 00:03:49.280] Jadi

[00:03:51.100 – 00:03:52.640] Kita kat sini juga nak tahu

[00:03:53.640 – 00:03:55.280] Kita markup dengan margin ni

[00:03:55.280 – 00:03:55.960] Dua benda berbeza

[00:03:55.960 – 00:03:57.360] Saya terbuat kesilapan bodoh

[00:03:57.360 – 00:03:57.820] Saya

[00:03:58.580 – 00:03:59.520] Buat markup

[00:03:59.520 – 00:04:01.520] Saya ingat saya nak untung 40%

[00:04:01.520 – 00:04:02.520] Saya pun markup 40%

[00:04:02.520 – 00:04:02.940] Salah

[00:04:02.940 – 00:04:04.660] Bila saya markup 40%

[00:04:04.660 – 00:04:05.880] Itu bukannya margin untung

[00:04:05.880 – 00:04:07.000] Contohnya macam ni

[00:04:09.140 – 00:04:09.880] Saya macam mana?

[00:04:09.960 – 00:04:10.380] Saya nak beritahu

[00:04:10.380 – 00:04:11.760] Benda ni penting ni

[00:04:12.420 – 00:04:13.500] Teknikal sangat lah pula

[00:04:13.500 – 00:04:14.200] Slide saya ni

[00:04:14.200 – 00:04:15.080] Contohnya

[00:04:15.080 – 00:04:16.560] Saya jual nasi lemak

[00:04:17.200 – 00:04:18.220] Nasi lemak saya

[00:04:18.220 – 00:04:20.380] kos dia RM2. COJS dia RM2.

[00:04:21.420 – 00:04:22.400] Saya nak untung

[00:04:22.400 – 00:04:24.320] 40%. So apa yang kita buat,

[00:04:24.560 – 00:04:26.660] kita akan buat RM2 nasi lemak

[00:04:26.660 – 00:04:28.780] kita ni, katalah saya nak untung 50%

[00:04:28.780 – 00:04:30.180] lah. Saya nak untung half daripada tu.

[00:04:30.500 – 00:04:31.500] Saya buat RM2

[00:04:32.500 – 00:04:34.420] campur dengan 50%.

[00:04:34.420 – 00:04:36.200] Betul tak? Saya tambah je 50% daripada sini.

[00:04:37.920 – 00:04:38.640] 5%

[00:04:38.640 – 00:04:40.700] saya dapat lah RM3. Oh, saya jual RM3 lah.

[00:04:41.260 – 00:04:42.020] Kenapa jual RM3?

[00:04:43.820 – 00:04:44.260] Sebab

[00:04:44.260 – 00:04:45.560] nasi lemak saya kan harga RM2.

[00:04:46.360 – 00:04:48.140] Saya nak untung 50%.

[00:04:48.140 – 00:04:49.540] So saya jual lah 3 ringgit

[00:04:49.540 – 00:04:50.040] Sebenarnya salah

[00:04:50.040 – 00:04:51.820] Sebenarnya kita tak untung pun 50%

[00:04:51.820 – 00:04:54.180] Kita sebenarnya bukan untung 50%

[00:04:54.180 – 00:04:54.940] Lepas tu kita udah cerita

[00:04:54.940 – 00:04:55.980] Eh nasi lemak kau macam mana

[00:04:55.980 – 00:04:58.080] Oh aku punya profit Alhamdulillah 50%

[00:04:58.080 – 00:04:58.520] Eh kenapa

[00:04:58.520 – 00:05:00.920] Sebab aku markup nasi lemak aku 50%

[00:05:00.920 – 00:05:01.340] Salah

[00:05:01.340 – 00:05:02.780] Sebenarnya kalau kita kira balik

[00:05:02.780 – 00:05:04.100] 1 ringgit yang kita markup tu

[00:05:04.100 – 00:05:06.840] Bahagi dengan 3 ringgit harga

[00:05:06.840 – 00:05:09.660] Sebenarnya kita hanya untung 33% sahaja

[00:05:09.660 – 00:05:11.220] Darat dengan 100%

[00:05:11.220 – 00:05:11.760] Faham tak

[00:05:11.760 – 00:05:13.660] Kita duk kira sale

[00:05:13.660 – 00:05:15.140] Sale kita 10 ribu

[00:05:15.140 – 00:05:17.080] Kita anggap 5 ribu tu untung

[00:05:17.080 – 00:05:17.640] Rupanya bukan

[00:05:17.640 – 00:05:19.540] RM5,000 bukan untung

[00:05:19.540 – 00:05:21.360] Untung sebenarnya hanyalah RM3,300

[00:05:22.820 – 00:05:23.400] RM33

[00:05:23.400 – 00:05:25.080] Sebab kita punya

[00:05:25.080 – 00:05:26.940] Majin sebenarnya hanyalah RM33

[00:05:27.960 – 00:05:28.700] Sebab tu

[00:05:28.700 – 00:05:30.180] Kalau nak ikut formula yang betul

[00:05:30.180 – 00:05:31.660] Katalah kita nak untung 50%

[00:05:31.660 – 00:05:32.340] Kita kena buat macam ni

[00:05:32.340 – 00:05:33.260] Ini formula yang saya ajar

[00:05:33.260 – 00:05:34.340] Di belakang saya tulis

[00:05:34.340 – 00:05:35.800] Harga jual

[00:05:35.800 – 00:05:36.540] Kita nak

[00:05:36.540 – 00:05:37.900] Harga jual pula

[00:05:37.900 – 00:05:38.720] Harga modal RM2

[00:05:38.720 – 00:05:40.800] Saya nak markup 50%

[00:05:40.800 – 00:05:42.420] So saya kena bahagikan

[00:05:44.600 – 00:05:45.540] Bahagikan dengan

[00:05:47.420 – 00:05:48.760] Sekejap 50%

[00:05:50.320 – 00:05:51.580] Bahagikan dengan 50%

[00:05:51.580 – 00:05:52.260] Ni baru betul

[00:05:53.360 – 00:05:55.060] Bukan tambah 50%

[00:05:55.060 – 00:05:56.320] Kena bahagi dengan 50%

[00:05:56.320 – 00:05:57.540] So saya kena jual harga RM4

[00:05:58.680 – 00:05:59.320] Faham tak?

[00:06:01.640 – 00:06:02.580] Tak faham ke?

[00:06:05.840 – 00:06:07.380] Nasib lemak mungkin kita tak nampak

[00:06:07.380 – 00:06:08.780] Eh takkanlah boleh buat silap

[00:06:08.780 – 00:06:09.100] Yes

[00:06:09.100 – 00:06:10.420] Nasib lemak tak perasan guys

[00:06:10.420 – 00:06:12.200] Bila kita dah jual harga paket RM1,500

[00:06:12.760 – 00:06:14.160] Eh aku jual RM1,500

[00:06:14.160 – 00:06:15.980] Aku nak markup 50% lah

[00:06:15.980 – 00:06:17.040] So kita pun markup lah

[00:06:17.040 – 00:06:18.620] Contohnya RM1,500

[00:06:18.620 – 00:06:20.220] Kita jual markup 50%

[00:06:20.220 – 00:06:21.220] Kita tambah 50%

[00:06:21.220 – 00:06:22.400] Kita pun jual harga

[00:06:22.400 – 00:06:23.380] RM2,200

[00:06:23.380 – 00:06:25.560] Yeay aku untung 50%

[00:06:25.560 – 00:06:26.020] Salah

[00:06:26.020 – 00:06:27.760] Kita tak untung 50%

[00:06:27.760 – 00:06:29.660] Sebab kita markup 50%

[00:06:29.660 – 00:06:31.300] Tapi belum tentu kita untung 50%

[00:06:31.300 – 00:06:32.540] Kita untung tak sebanyak tu

[00:06:32.540 – 00:06:34.560] Sebab markup bukannya margin

[00:06:34.560 – 00:06:37.020] Kalau nak tahu markup yang sebenar

[00:06:37.020 – 00:06:37.920] Margin yang sebenar

[00:06:37.920 – 00:06:38.560] Kita kena buat macam ni

[00:06:38.560 – 00:06:39.660] RM1,500

[00:06:40.940 – 00:06:43.120] Kena bahagi dengan 50%

[00:06:43.120 – 00:06:44.440] Inilah cara nak markup yang betul

[00:06:44.440 – 00:06:46.200] Bahagi yang 50%

[00:06:46.200 – 00:06:48.120] Kita kena jual harga RM3,000

[00:06:48.900 – 00:06:50.100] Itulah harga jual kita

[00:06:50.100 – 00:06:50.600] Faham tak?

[00:06:51.240 – 00:06:53.140] Benda-benda ni nampak macam senang je

[00:06:53.140 – 00:06:55.160] Tapi bila kita dah main dengan nombor yang pelik-pelik

[00:06:55.160 – 00:06:55.700] Contohnya

[00:06:56.600 – 00:06:57.480] RM29,000

[00:06:58.400 – 00:06:59.280] RM23,000

[00:06:59.860 – 00:07:00.300] RM45

[00:07:01.460 – 00:07:02.400] RM2,000, RM45

[00:07:02.400 – 00:07:03.720] Okay, kita nak makan 50% lah

[00:07:03.720 – 00:07:04.680] Tambah 50%

[00:07:04.680 – 00:07:05.040] Oh, salah

[00:07:06.880 – 00:07:08.120] Tambah lah 50%

[00:07:08.120 – 00:07:08.800] Salah, salah, salah

[00:07:08.800 – 00:07:10.680] So, bila kita tolak balik dengan kita punya

[00:07:11.160 – 00:07:11.600] Bahagi

[00:07:11.600 – 00:07:13.240] Tolak balik dengan kita punya cost

[00:07:13.240 – 00:07:13.680] 2

[00:07:15.000 – 00:07:16.200] 3, 4, 5 tadi

[00:07:16.920 – 00:07:17.360] Kan?

[00:07:18.700 – 00:07:20.500] Eh, macam itulah. Faham tak?

[00:07:20.680 – 00:07:22.980] Aduh. Faham tak? Faham. Tak faham.

[00:07:23.440 – 00:07:26.080] Senang cerita, jangan tambah 50%.

[00:07:26.080 – 00:07:28.960] 100, saya nak markup 30%, tuan.

[00:07:29.140 – 00:07:32.200] Jaranglah orang markup 30%, orang biasa markup 50%.

[00:07:32.200 – 00:07:34.320] Jangan tambah 50%. Itu salah.

[00:07:35.340 – 00:07:37.820] Bukan jual harga RM150.

[00:07:38.260 – 00:07:39.940] Kita kena bahagi 50%.

[00:07:39.940 – 00:07:44.580] So, RM100 produk kesihatan kita bahagi dengan 50%.

[00:07:44.580 – 00:07:46.840] Kita patutnya jual harga RM200

[00:07:46.840 – 00:07:48.100] Itu baru betul

[00:07:48.100 – 00:07:50.400] Baru betul kita tengok

[00:07:50.400 – 00:07:51.680] Oh modal kita RM100

[00:07:51.680 – 00:07:52.640] Jual harga RM200

[00:07:52.640 – 00:07:54.040] Barulah betul 50-50

[00:07:54.040 – 00:07:55.080] Benda ni nampak kelakar

[00:07:55.080 – 00:07:57.740] Tapi kita akan tak sengaja terbuat silap

[00:07:57.740 – 00:07:59.100] Bila kita dah pening-pening kepala nanti

[00:07:59.100 – 00:08:00.140] Dengan kos produk

[00:08:00.140 – 00:08:02.000] Eh kita tertambah

[00:08:02.000 – 00:08:03.420] Dia kena bahagi

[00:08:03.420 – 00:08:05.040] Itulah tak faham

[00:08:05.040 – 00:08:05.720] Boleh tengok kat sini

[00:08:07.480 – 00:08:08.740] So next pula

[00:08:08.740 – 00:08:09.660] PNL

[00:08:09.660 – 00:08:11.420] Katalah kita punya sale RM100,000

[00:08:11.420 – 00:08:13.860] Revenue kita adalah RM100,000

[00:08:13.860 – 00:08:16.280] sale, ok kita tolak dengan 40%

[00:08:16.280 – 00:08:18.260] 40 ribu, dalam bahasa accounting

[00:08:18.260 – 00:08:20.300] dia akan buat bracket, bracket ni maksudnya

[00:08:20.300 – 00:08:22.280] tolak, bracket tu maksudnya tolak

[00:08:22.280 – 00:08:23.500] tapi saya maintain balik bracket lah

[00:08:23.500 – 00:08:26.160] kalau kita beli panel report, auditor report, dia akan buat

[00:08:26.160 – 00:08:27.400] bracket-bracket, maksudnya tolak

[00:08:27.400 – 00:08:30.060] so 100 ribu tolak 40 ribu, 40%

[00:08:30.060 – 00:08:31.200] ini adalah kena COGS

[00:08:31.200 – 00:08:34.160] untung kasar kita, 60 ribu

[00:08:34.160 – 00:08:36.020] apakah maksud formula 40

[00:08:36.020 – 00:08:37.860] 20 40, inilah contohnya

[00:08:37.860 – 00:08:39.980] katakanlah sale 100 ribu

[00:08:39.980 – 00:08:41.580] revenue 100 ribu

[00:08:41.580 – 00:08:45.780] Kita nak COGS kita kalau boleh kurang daripada 40%.

[00:08:45.780 – 00:08:46.240] Macam itulah.

[00:08:46.900 – 00:08:48.360] Ambil 40% lah maksimum.

[00:08:48.440 – 00:08:50.640] Maksudnya cuba push ads masuk bawah COGS.

[00:08:51.060 – 00:08:52.680] Cost ni kita kontrakkan dia.

[00:08:52.900 – 00:08:54.320] Operation ni kita tak nak besar sangat.

[00:08:54.440 – 00:08:55.580] Kontrak, kontrak, kontrakkan dia.

[00:08:56.860 – 00:08:58.080] Adalah untung RM60,000.

[00:08:58.960 – 00:09:03.160] So, team in-house kita, kita punya team sale, kita punya team ni,

[00:09:03.700 – 00:09:05.460] kita maintain dalam 20%.

[00:09:05.460 – 00:09:06.360] Macam itulah.

[00:09:06.480 – 00:09:07.000] Maksudnya kecil.

[00:09:07.760 – 00:09:08.900] So, RM20,000 je.

[00:09:09.220 – 00:09:10.960] RM20,000 je kita nak bayar.

[00:09:10.960 – 00:09:12.700] Katalah kita ambil gaji kita sendiri

[00:09:12.700 – 00:09:13.100] Tak banyak

[00:09:13.100 – 00:09:14.100] Kita ambil gaji kita sendiri

[00:09:14.100 – 00:09:14.620] Dalam kita

[00:09:15.340 – 00:09:16.140] 6,000

[00:09:16.880 – 00:09:17.400] Kan

[00:09:17.400 – 00:09:18.260] Lepas tu kita ada staff

[00:09:18.260 – 00:09:18.880] 3, 4 orang

[00:09:18.880 – 00:09:19.440] Cukup lah

[00:09:20.520 – 00:09:22.620] So company ada untung yang besar

[00:09:22.620 – 00:09:24.240] Kita untung 40,000

[00:09:24.240 – 00:09:24.900] Contohnya

[00:09:24.900 – 00:09:27.320] So ini yang bagi saya profit

[00:09:27.320 – 00:09:29.120] Katalah kita semua tak nak ambil gaji

[00:09:29.120 – 00:09:29.900] Takpelah tak payah ambil gaji

[00:09:29.900 – 00:09:30.780] Kita ambil dividend je

[00:09:30.780 – 00:09:31.860] Ambil 3 bulan sekali

[00:09:31.860 – 00:09:32.420] Lagi cantik

[00:09:32.420 – 00:09:33.540] Kita letak semua kat sini

[00:09:33.540 – 00:09:34.140] Gaji staff je

[00:09:34.140 – 00:09:35.600] Gaji kita ambil sebagai dividend

[00:09:35.600 – 00:09:36.320] 3 bulan sekali

[00:09:36.320 – 00:09:37.580] Kita puasalah 3 bulan kejap

[00:09:37.580 – 00:09:39.560] Lepas tu quarterly ambil dividend

[00:09:39.560 – 00:09:39.900] Dividend

[00:09:39.900 – 00:09:40.220] Dividend

[00:09:40.220 – 00:09:41.640] lepas dah alirkan profit

[00:09:41.640 – 00:09:42.460] itu boleh check dalam

[00:09:43.080 – 00:09:43.680] modul

[00:09:43.680 – 00:09:45.680] gaji bisnis mana saya dah ajar

[00:09:45.680 – 00:09:46.580] cara nak ambil dividend

[00:09:47.420 – 00:09:49.440] jadi kenapa kita nak buat benda ni

[00:09:49.440 – 00:09:50.560] ok contoh

[00:09:52.720 – 00:09:54.100] katakanlah sale kita turun

[00:09:55.260 – 00:09:56.440] daripada RM100,000

[00:09:56.440 – 00:09:57.300] drop jadi RM50,000

[00:09:57.300 – 00:09:58.700] apa yang berlaku tengok

[00:09:58.700 – 00:10:01.080] kita masih ada untung

[00:10:01.080 – 00:10:02.120] sebab apa

[00:10:02.120 – 00:10:04.460] kita punya opac tak besar

[00:10:04.460 – 00:10:06.400] kita tak menanggung kerugian

[00:10:07.280 – 00:10:09.240] kita punya COGS 40%

[00:10:09.240 – 00:10:10.580] Sebab kita dah kontrak kan

[00:10:10.580 – 00:10:11.620] Kita punya team-team ni

[00:10:11.620 – 00:10:12.840] Jadi kalau sale drop

[00:10:12.840 – 00:10:13.820] Kita pun tak payah nak bayar

[00:10:13.820 – 00:10:14.760] Kontrak worker banyak sangat

[00:10:14.760 – 00:10:15.780] Sebab demand tak banyak

[00:10:15.780 – 00:10:16.580] Kita bayar

[00:10:16.580 – 00:10:17.620] Apa yang kita perlukan je

[00:10:18.160 – 00:10:19.460] Kos operasi kecil

[00:10:19.460 – 00:10:20.520] Jadi kita setiap ada untung

[00:10:20.520 – 00:10:21.280] Duk RM10,000

[00:10:22.460 – 00:10:23.340] Haa ni dia

[00:10:23.340 – 00:10:24.480] Beza pula dengan company

[00:10:24.480 – 00:10:25.080] Bayangkan eh

[00:10:25.080 – 00:10:25.980] Kalau ada satu company

[00:10:25.980 – 00:10:26.740] Kat sini terbalik

[00:10:26.740 – 00:10:28.200] Kat sini RM20,000

[00:10:28.200 – 00:10:29.560] Kat sini RM40,000

[00:10:29.560 – 00:10:30.660] Contoh saya terbalikkan eh

[00:10:31.200 – 00:10:32.300] Saya adjust dia

[00:10:32.980 – 00:10:33.440] Tengok

[00:10:33.440 – 00:10:34.660] Ni satu company yang seterusnya pula

[00:10:35.300 – 00:10:35.760] Sale

[00:10:36.660 – 00:10:37.380] RM50,000

[00:10:38.180 – 00:10:39.140] COGS RM20,000

[00:10:39.780 – 00:10:43.080] So, baki tinggal RM30,000

[00:10:43.080 – 00:10:45.720] Tolak dengan OPEX RM10,000

[00:10:45.720 – 00:10:46.780] RM40,000, amik kau

[00:10:46.780 – 00:10:47.740] Negatif RM10,000

[00:10:47.740 – 00:10:49.480] Kat sini, negatif RM10,000

[00:10:50.220 – 00:10:51.480] So, margin dia adalah

[00:10:51.480 – 00:10:52.920] Negatif RM10,000

[00:10:52.920 – 00:10:53.960] Kenapa benda ni berlaku?

[00:10:54.180 – 00:10:56.900] Sebab fixed cost dia, OPEX dia

[00:10:56.900 – 00:10:58.900] Yang tetap nak kena tanggung setiap bulan besar

[00:10:58.900 – 00:11:01.140] Sebab tu, kalau nak design company yang healthy

[00:11:01.140 – 00:11:03.600] Jangan ada team full time yang ramai sangat

[00:11:03.600 – 00:11:05.480] Lagi-lagi company service

[00:11:05.480 – 00:11:07.300] Kan BBS ni kan service

[00:11:07.300 – 00:11:12.220] Sebab tu over hiring adalah antara pembunuh business service

[00:11:13.040 – 00:11:16.460] Kalau saya dapat buat OPEC saya lagi kurang, lagi bagus lah tuan

[00:11:16.460 – 00:11:18.660] Lagi bagus, 10% lagi bagus

[00:11:18.660 – 00:11:19.960] COGS berapa?

[00:11:20.140 – 00:11:22.560] Oh COGS saya 50% tuan

[00:11:22.560 – 00:11:23.960] Okey, macam besar

[00:11:23.960 – 00:11:25.840] Tapi OPEC saya 10%

[00:11:27.140 – 00:11:28.220] PBT saya berapa?

[00:11:28.640 – 00:11:29.920] PBT saya 50%

[00:11:29.920 – 00:11:32.020] So 40, eh sorry

[00:11:32.020 – 00:11:35.360] 50, 10, 40 contohnya lah kat sini kan

[00:11:35.360 – 00:11:36.600] Pun boleh juga, okey je

[00:11:37.320 – 00:11:38.740] Cuma ada satu pula

[00:11:38.740 – 00:11:39.640] Cons

[00:11:39.640 – 00:11:40.860] Kalau kita terlampau takso

[00:11:40.860 – 00:11:41.240] Macam ni

[00:11:42.080 – 00:11:43.180] Takut-takut

[00:11:43.180 – 00:11:44.960] Bila semua contract

[00:11:44.960 – 00:11:46.140] Kita tak ada control

[00:11:47.020 – 00:11:49.020] Contract equal no control

[00:11:49.020 – 00:11:50.580] So kena hati-hati kat situ

[00:11:50.580 – 00:11:52.320] Kita nak juga secure

[00:11:52.320 – 00:11:54.540] So ada part-part yang critical

[00:11:54.540 – 00:11:55.920] Kita full-timekan dia

[00:11:55.920 – 00:11:59.000] Part-part yang kita rasa kita boleh jimat

[00:11:59.000 – 00:12:00.020] Sebab kita tahu benda ni

[00:12:00.020 – 00:12:01.180] Tak boleh nak control

[00:12:01.180 – 00:12:02.240] Better tak payah control pun

[00:12:02.240 – 00:12:02.920] Macam live host

[00:12:02.920 – 00:12:03.920] Kuda liar

[00:12:03.920 – 00:12:05.860] Kita full-timekan dia lagi merapu

[00:12:05.860 – 00:12:07.360] Lagilah macam-macam demand tinggi

[00:12:07.360 – 00:12:08.460] Dah contract kan je lah

[00:12:08.460 – 00:12:08.900] Dia orang ni

[00:12:08.900 – 00:12:09.940] Poyor je lebih kan

[00:12:09.940 – 00:12:11.520] Dah contract kan je semua life force

[00:12:11.520 – 00:12:11.900] Settle

[00:12:11.900 – 00:12:13.900] Tak adalah kita bayar gaji bodoh

[00:12:13.900 – 00:12:14.740] 4,000, 5,000

[00:12:14.740 – 00:12:15.960] Sale tak ke mana pun

[00:12:15.960 – 00:12:17.640] So dalam case tu

[00:12:17.640 – 00:12:19.520] Better di contract kan

[00:12:19.520 – 00:12:20.840] Jadi keluar kat COGS

[00:12:20.840 – 00:12:21.220] Faham tak

[00:12:21.220 – 00:12:22.340] So bagi saya ini adalah

[00:12:22.340 – 00:12:23.340] Satu formula simple

[00:12:23.960 – 00:12:25.800] Kalau boleh kita nak PBT

[00:12:25.800 – 00:12:27.780] Profit before tax 40%

[00:12:27.780 – 00:12:28.780] Paling sikit pun eh

[00:12:28.780 – 00:12:29.500] Untuk company service

[00:12:29.500 – 00:12:30.160] Saya cadangkan

[00:12:30.160 – 00:12:31.460] Jangan go below 30%

[00:12:32.360 – 00:12:33.460] Sebab dia macam ni guys

[00:12:33.460 – 00:12:35.100] Company ni kecil kenuntung

[00:12:35.100 – 00:12:36.340] Sebab besar dia jarang untung

[00:12:36.340 – 00:12:38.660] Daripada kecil kita dah design dia untuk untung

[00:12:38.660 – 00:12:40.580] Kita anggap oh tak apalah kecil-kecil tak untung

[00:12:40.580 – 00:12:41.200] Besar-besar

[00:12:41.200 – 00:12:42.860] Nanti orang kata apa

[00:12:42.860 – 00:12:44.260] Small-small don't want to die

[00:12:44.260 – 00:12:45.200] Big-big make trouble

[00:12:46.480 – 00:12:47.940] Company ni daripada kecil

[00:12:47.940 – 00:12:49.680] Engine dia dah kena Ferrari dah

[00:12:50.920 – 00:12:52.040] Ini kecil-kecil

[00:12:52.040 – 00:12:54.120] Baru staff 3-4 orang terus rugi

[00:12:54.120 – 00:12:55.240] Kenapa? Overhiring

[00:12:56.060 – 00:12:57.320] Semua benda nak full-time kan

[00:12:57.320 – 00:12:57.840] Semua benda dah ni

[00:12:57.840 – 00:12:59.340] Contractkan je, outsourcekan je dulu

[00:12:59.340 – 00:13:01.460] Operation tu outsource je kat kilang

[00:13:01.460 – 00:13:02.840] Cari kilang perabot outsource kan

[00:13:02.840 – 00:13:03.760] Kita buat custom furniture

[00:13:03.760 – 00:13:04.640] Tapi kita ada partner

[00:13:04.640 – 00:13:05.940] Kita gunakan

[00:13:05.940 – 00:13:06.700] Kita punya partner

[00:13:06.700 – 00:13:08.040] Kita jadi reseller je dulu

[00:13:08.040 – 00:13:09.620] Kita jadi advertising agency

[00:13:09.620 – 00:13:10.640] Untuk pass control

[00:13:10.640 – 00:13:11.740] Pun kita dah boleh buat pass control

[00:13:11.740 – 00:13:12.820] Sub-sub job dulu tak apa

[00:13:12.820 – 00:13:13.160] Slowly

[00:13:13.160 – 00:13:15.480] Maksudnya kita fokus pada king

[00:13:15.480 – 00:13:16.120] King dia apa?

[00:13:16.360 – 00:13:17.640] Customer is king

[00:13:17.640 – 00:13:19.060] Okay kena tahu

[00:13:19.060 – 00:13:20.240] Inilah reason kenapa

[00:13:20.240 – 00:13:21.140] Saya tekankan kat sini

[00:13:21.140 – 00:13:23.100] Please design healthy profit margin

[00:13:23.100 – 00:13:24.620] Paling bodoh eh

[00:13:24.620 – 00:13:25.460] Untuk PBT ni

[00:13:25.460 – 00:13:26.300] Untuk kamu di service eh

[00:13:26.300 – 00:13:28.060] Kalau 25%

[00:13:28.060 – 00:13:28.520] Itu paling

[00:13:29.200 – 00:13:30.260] Paling busuk lah

[00:13:30.260 – 00:13:32.100] Kalau tak dapat 25%

[00:13:32.100 – 00:13:32.700] Buat service ni

[00:13:32.700 – 00:13:33.740] Gagal lah bagi saya

[00:13:33.740 – 00:13:34.060] Gagal

[00:13:34.740 – 00:13:36.600] kena pastikan sebab tu saya boleh cabar

[00:13:36.600 – 00:13:37.920] diri, design for win

[00:13:38.660 – 00:13:40.540] 40%, come on, lepas tu kita ambil

[00:13:40.540 – 00:13:42.480] dividend, settle, ok, jumpa dalam

[00:13:42.480 – 00:13:43.340] video yang seterusnya