Loan
Source: https://coachadib.com/module/6ac040624f4c5b44a5b8c084
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.180 – 00:00:02.080] Tolun. Tolun. Tak cukup duit company

[00:00:02.700 – 00:00:03.800] Kita pun buat loan

[00:00:04.340 – 00:00:05.920] Kita ni dah ada kos

[00:00:05.920 – 00:00:08.060] Setiap bulan nak kena bayar staff. Staff adalah

[00:00:08.060 – 00:00:10.320] Soalan 2 orang. Tiba-tiba duit tak cukup

[00:00:10.320 – 00:00:11.920] Patutnya nak bayar gaji staff yang

[00:00:11.920 – 00:00:14.040] Mula-mula setup business ni. Katalah staff

[00:00:14.040 – 00:00:16.260] Kita ambil. Mana? Contoh macam ni lah

[00:00:16.260 – 00:00:17.780] Kita dah calculate dah

[00:00:17.780 – 00:00:19.980] 3 bulan nak bertahan. Tapi tak cukup

[00:00:19.980 – 00:00:21.860] Pula duit. Bulan keempat

[00:00:21.860 – 00:00:24.000] Tak cukup 6 ribu. So apa yang berlaku

[00:00:24.000 – 00:00:26.000] Kita loankan duit. Boleh juga

[00:00:26.000 – 00:00:27.740] So kita loankan je lah

[00:00:27.740 – 00:00:29.720] Tanpa kita kena jual share

[00:00:29.720 – 00:00:31.320] jual saham, itulah konsep loan

[00:00:31.320 – 00:00:33.440] company pinjam duit

[00:00:34.320 – 00:00:34.800] daripada

[00:00:36.820 – 00:00:38.000] seseorang, seseorang itu

[00:00:38.000 – 00:00:39.540] biasanya orang yang ada kepentingan lah

[00:00:39.540 – 00:00:41.900] orang yang percaya pada company biasanya adalah shareholder

[00:00:41.900 – 00:00:43.140] ataupun mungkin director

[00:00:44.200 – 00:00:46.020] jadi kebiasaannya shareholder punya

[00:00:46.020 – 00:00:47.980] loan, jadi company berhutang

[00:00:47.980 – 00:00:49.920] dengan shareholder, disebabkan shareholder ni

[00:00:49.920 – 00:00:51.920] owner, dia biasa tak ada interest lah

[00:00:51.920 – 00:00:53.580] takkanlah kita nak interest company kita sendiri

[00:00:53.580 – 00:00:55.500] kelakar lah pula kan, ni company aku kot

[00:00:55.500 – 00:00:57.840] takpelah aku tolong je lah eh, so kita pun top up

[00:00:57.840 – 00:00:59.560] tak buat top up, jadi setiap kali top up

[00:00:59.560 – 00:01:02.320] Kita namakan tu sebagai loan

[00:01:02.320 – 00:01:03.640] Jadi company kena bayar balik

[00:01:03.640 – 00:01:04.200] Jangan risau

[00:01:04.200 – 00:01:05.160] Duit tu akan kawan-kawan dapat

[00:01:05.160 – 00:01:07.480] Ataupun kita boleh guna external

[00:01:07.480 – 00:01:08.540] Dia ada dua lah

[00:01:08.540 – 00:01:09.720] Internal loan

[00:01:09.720 – 00:01:10.980] Ataupun external loan

[00:01:10.980 – 00:01:11.540] Kita buat

[00:01:11.540 – 00:01:12.900] SME financing

[00:01:12.900 – 00:01:15.780] Kita dapatkan orang luar

[00:01:15.780 – 00:01:16.500] Untuk bagi duit

[00:01:16.500 – 00:01:18.660] Sama ada private company

[00:01:18.660 – 00:01:19.320] Ataupun

[00:01:20.080 – 00:01:21.360] Government ke apa ke

[00:01:22.040 – 00:01:22.640] Contohnya

[00:01:22.640 – 00:01:24.500] Paling senang saya beritahu

[00:01:24.500 – 00:01:27.140] Kita kena cantikkan bank statement kita

[00:01:27.140 – 00:01:27.960] Ending balance

[00:01:27.960 – 00:01:29.120] Tahu tak ending balance

[00:01:29.120 – 00:01:30.140] Dia yang ni

[00:01:30.140 – 00:01:33.060] Kita punya baki duit dalam bank account tu

[00:01:33.060 – 00:01:35.120] Dia kalau boleh kena lebih daripada

[00:01:36.160 – 00:01:37.320] RM10,000 sebulan

[00:01:37.320 – 00:01:39.160] So lebih RM10,000 sebulan

[00:01:39.160 – 00:01:41.140] Contohnya kita pada bulan ketiga

[00:01:41.140 – 00:01:43.400] Baki duit kat bank kita dah lebih RM10,000

[00:01:43.400 – 00:01:45.520] Bulan keempat eh naik di RM12,000

[00:01:45.520 – 00:01:46.700] Bulan yang ke

[00:01:47.480 – 00:01:48.660] 5 naik lagi

[00:01:48.660 – 00:01:51.120] Lagi di RM14,000 faham? Maksudnya ending balance kita tu

[00:01:51.120 – 00:01:52.620] Baki duit hujung bulan tu

[00:01:52.620 – 00:01:55.420] Ada kenaikan dan positif

[00:01:55.420 – 00:01:56.940] RM10,000 tu consider healthy

[00:01:56.940 – 00:01:57.900] Lepas tu naik-naik-naik-naik-naik

[00:01:57.900 – 00:01:59.260] Maksudnya bagi pihak bank

[00:01:59.260 – 00:02:01.320] Ataupun bagi pihak private loan ni

[00:02:01.320 – 00:02:03.680] Dia bagi oh company ni menarik

[00:02:03.680 – 00:02:05.160] Dia nampak ada kenaikan

[00:02:06.020 – 00:02:06.920] Maksudnya healthy

[00:02:06.920 – 00:02:07.820] Ada profit kat situ

[00:02:07.820 – 00:02:09.440] Sebab ending balance bertambah

[00:02:09.440 – 00:02:10.480] Itu senang je

[00:02:10.480 – 00:02:12.000] Sebab dia akan minta bank statement 6 bulan

[00:02:12.000 – 00:02:14.180] So kalau kita boleh cantikkan bank statement 6 bulan

[00:02:14.180 – 00:02:16.420] Katakanlah kita nak proper pindah ofis

[00:02:16.420 – 00:02:18.120] Kita run business 3 bulan

[00:02:18.120 – 00:02:19.160] By bulan yang keempat

[00:02:19.160 – 00:02:20.600] Kita dah cantikkan bank account kita

[00:02:20.600 – 00:02:22.740] Bulan yang ke-9 dah boleh apply loan dah

[00:02:22.740 – 00:02:23.480] Ibaratnya macam tu

[00:02:23.480 – 00:02:24.280] Dan pastikan

[00:02:24.280 – 00:02:25.700] Kita punya director

[00:02:25.700 – 00:02:27.320] Or director ataupun shareholder

[00:02:27.320 – 00:02:28.720] Kena cantik sitos ikris

[00:02:28.720 – 00:02:31.000] Janganlah pula ada kereta lambat bayar

[00:02:31.000 – 00:02:33.020] Dia akan minta sitos ikris

[00:02:33.020 – 00:02:34.360] Dia akan beli kita punya

[00:02:34.360 – 00:02:35.900] Report kita

[00:02:35.900 – 00:02:38.500] So cantikkan kita punya bank statement

[00:02:38.500 – 00:02:40.660] Dan juga kita punya ni lah

[00:02:40.660 – 00:02:41.960] Record pembayaran dekat bank negara

[00:02:41.960 – 00:02:43.800] Dia akan tengok kosong satu kosong kosong

[00:02:43.800 – 00:02:46.280] Kalau ada salah bayar lambat sebulan dia keluar satu

[00:02:46.280 – 00:02:48.360] Dia macam tu lah kosong satu kosong kosong kosong kosong

[00:02:48.360 – 00:02:50.660] Dia nak pastikan 6 bulan yang kebelakang

[00:02:50.660 – 00:02:52.020] Kita punya bayaran kereta cantik

[00:02:52.020 – 00:02:53.040] Oh ok cantik kan

[00:02:54.720 – 00:02:56.120] Jadi apa lagi

[00:02:56.120 – 00:02:58.720] Contoh, director pinjamkan RM24,000

[00:02:58.720 – 00:03:00.760] Jadi kita bayar balik 24 bulan

[00:03:00.760 – 00:03:01.560] Bayarlah RM1,000

[00:03:01.560 – 00:03:03.860] Tanpa interest sebab ni company sendiri

[00:03:03.860 – 00:03:07.080] Katakanlah, kita pinjam dengan orang lain

[00:03:07.080 – 00:03:08.920] Adalah code interest

[00:03:08.920 – 00:03:11.040] Kalau nak apply lah Islamic loan dan sebagainya

[00:03:11.040 – 00:03:11.960] Jadi adalah

[00:03:11.960 – 00:03:13.640] Antara benda yang saya boleh share

[00:03:13.640 – 00:03:15.420] Antara ni adalah funding society

[00:03:15.420 – 00:03:17.800] Boleh search funding society

[00:03:17.800 – 00:03:20.620] Ini antara yang saya a bit recommend jugalah

[00:03:20.620 – 00:03:22.020] Sebab kami pun ada

[00:03:22.020 – 00:03:23.980] Banyak kali juga deal

[00:03:23.980 – 00:03:25.800] So funding society ni

[00:03:25.800 – 00:03:28.000] tak apa-apa nak nampak pula

[00:03:28.000 – 00:03:29.540] sekejap saya kecilkan sikit

[00:03:29.540 – 00:03:31.280] ok boleh nampak

[00:03:31.280 – 00:03:32.420] saya tengahkan dia

[00:03:32.420 – 00:03:33.620] ok funding society ni

[00:03:34.640 – 00:03:36.000] boleh corak cuba

[00:03:36.000 – 00:03:37.300] sebab funding society ni

[00:03:37.300 – 00:03:38.080] dia ada

[00:03:38.080 – 00:03:39.920] micro SME loan

[00:03:39.920 – 00:03:40.480] kita tengok jap

[00:03:40.480 – 00:03:42.080] flash approval

[00:03:42.080 – 00:03:42.980] wala macam eh

[00:03:42.980 – 00:03:43.700] next gen

[00:03:43.700 – 00:03:45.680] micro SME

[00:03:45.680 – 00:03:46.360] kita tengok jap

[00:03:46.360 – 00:03:47.040] dekat dia punya

[00:03:47.040 – 00:03:48.480] SME financing ni

[00:03:48.480 – 00:03:50.400] ni micro financing

[00:03:50.400 – 00:03:51.140] maksudnya untuk

[00:03:51.140 – 00:03:52.020] company-company kecil

[00:03:52.020 – 00:03:52.820] punya financing

[00:03:52.820 – 00:03:54.000] ok

[00:03:54.000 – 00:03:55.520] apa yang dia boleh bantu

[00:03:55.520 – 00:03:56.520] Dia kata kat sini

[00:03:57.440 – 00:03:58.660] Get up to

[00:03:58.660 – 00:04:00.140] RM200,000

[00:04:00.140 – 00:04:00.940] Nampak?

[00:04:01.020 – 00:04:02.180] Sebab tu microfinancing

[00:04:02.180 – 00:04:03.040] Untuk company-company

[00:04:03.040 – 00:04:05.420] Yang tak pernah lagi audit pun

[00:04:05.420 – 00:04:06.020] Boleh buat

[00:04:06.020 – 00:04:07.420] So dia beritahu kat sini

[00:04:09.140 – 00:04:11.700] Dia punya rate dia 0.8%

[00:04:11.700 – 00:04:12.420] Sangat murah eh

[00:04:12.420 – 00:04:13.660] Sampai 18 bulan

[00:04:13.660 – 00:04:16.340] Dan boleh pinjam up to RM200,000

[00:04:16.340 – 00:04:17.680] Sebab investor yang terbaik

[00:04:17.680 – 00:04:18.840] Adalah bank sebenarnya

[00:04:18.840 – 00:04:20.120] Dia bagi punya duit

[00:04:20.120 – 00:04:20.900] Dah settle kat sini

[00:04:20.900 – 00:04:22.620] So kita boleh check lah

[00:04:22.620 – 00:04:23.880] Dan kenapa dia kata fast approval

[00:04:23.880 – 00:04:25.000] Sebab dia memang check

[00:04:25.000 – 00:04:25.780] Kita punya bank statement

[00:04:25.780 – 00:04:27.260] Dia check je bank statement

[00:04:27.260 – 00:04:28.060] Oh awak layak

[00:04:28.060 – 00:04:29.420] Mungkin kena upload lah kot

[00:04:29.420 – 00:04:30.740] Dokumen kat sini dan sebagainya

[00:04:30.740 – 00:04:32.380] So katakanlah kita nak pinjam

[00:04:32.380 – 00:04:33.340] Bawah ni ada calculator

[00:04:33.340 – 00:04:34.940] Katalah saya nak pinjam

[00:04:36.360 – 00:04:37.180] RM100,000

[00:04:37.180 – 00:04:38.180] Saya nak pindah ofis

[00:04:38.180 – 00:04:40.340] Okey berapa lama saya nak bayar balik

[00:04:40.340 – 00:04:41.260] Saya bayar balik

[00:04:41.260 – 00:04:42.400] 18 bulan maximum

[00:04:42.400 – 00:04:44.220] Ambil lah rate 1%

[00:04:44.220 – 00:04:45.860] Jadi setiap bulan

[00:04:45.860 – 00:04:46.460] Kita bayar

[00:04:46.460 – 00:04:48.280] RM7,200

[00:04:49.260 – 00:04:50.240] Darab lah dengan

[00:04:51.000 – 00:04:51.800] RM18,000

[00:04:51.800 – 00:04:53.060] Jadi apa keuntungan dia

[00:04:53.060 – 00:04:54.740] Saya pun kiralah

[00:04:54.740 – 00:04:55.780] Calculator kat sini

[00:04:55.780 – 00:04:57.340] Kita pun try calculate

[00:05:01.420 – 00:05:02.860] 7211.11

[00:05:02.860 – 00:05:04.160] Darab

[00:05:05.100 – 00:05:05.820] Dengan

[00:05:05.820 – 00:05:07.200] 18 bulan

[00:05:07.200 – 00:05:07.720] Jadi

[00:05:07.720 – 00:05:09.940] Pinjam 100 ribu

[00:05:09.940 – 00:05:11.620] Bayar 130 ribu

[00:05:11.620 – 00:05:12.080] Pihak tak?

[00:05:12.440 – 00:05:13.600] Haa macam itulah konsep dia

[00:05:13.600 – 00:05:15.660] Tapi kita dapat stretch kan

[00:05:15.660 – 00:05:17.380] Pembayaran tu selama

[00:05:17.380 – 00:05:18.820] 18 bulan

[00:05:18.820 – 00:05:19.420] Dan kita tak ada

[00:05:19.420 – 00:05:20.060] Terasa beban

[00:05:20.060 – 00:05:20.980] Jadi kita masuk ofis

[00:05:20.980 – 00:05:22.740] Katalah kita nak properly masuk ofis

[00:05:22.740 – 00:05:24.140] Kita selama ni

[00:05:24.140 – 00:05:25.460] tak masuk ofis

[00:05:25.460 – 00:05:26.880] kita layan je dulu

[00:05:26.880 – 00:05:27.920] secara virtual

[00:05:27.920 – 00:05:29.640] now kita nak masuk ofis

[00:05:29.640 – 00:05:31.580] dan kita nak gunakan duit tu

[00:05:31.580 – 00:05:33.180] RM50,000 untuk masuk ofis

[00:05:33.180 – 00:05:34.640] RM50,000 untuk beli laptop

[00:05:34.640 – 00:05:35.440] tak nak pakai laptop

[00:05:35.440 – 00:05:36.020] staff dan semua

[00:05:36.020 – 00:05:37.120] boleh apply kat sini

[00:05:37.120 – 00:05:38.020] ini contohnya lah

[00:05:38.020 – 00:05:39.000] jadi that's why

[00:05:39.000 – 00:05:39.740] loan ni

[00:05:39.740 – 00:05:41.320] dia sangat membantu sebenarnya

[00:05:41.320 – 00:05:42.400] kalau nak cari

[00:05:42.400 – 00:05:43.320] boleh cari Islamic loan

[00:05:43.320 – 00:05:43.780] banyak je

[00:05:43.780 – 00:05:45.480] so itu je

[00:05:45.480 – 00:05:46.640] kalau tak tahu

[00:05:46.640 – 00:05:47.440] Google sendiri

[00:05:48.040 – 00:05:48.920] jumpa dalam video

[00:05:48.920 – 00:05:49.420] seterusnya