Loan Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:02] Tolun. Tolun. Tak cukup duit company [semak: uncertain words] [00:00:02–00:00:03] Kita pun buat loan [semak: uncertain words] [00:00:04–00:00:05] Kita ni dah ada kos [semak: uncertain words] [00:00:05–00:00:08] Setiap bulan nak kena bayar staff. Staff adalah [00:00:08–00:00:10] Soalan 2 orang. Tiba-tiba duit tak cukup [semak: uncertain words, number or amount] [00:00:10–00:00:11] Patutnya nak bayar gaji staff yang [00:00:11–00:00:14] Mula-mula setup business ni. Katalah staff [semak: uncertain words] [00:00:14–00:00:16] Kita ambil. Mana? Contoh macam ni lah [semak: uncertain words] [00:00:16–00:00:17] Kita dah calculate dah [00:00:17–00:00:19] 3 bulan nak bertahan. Tapi tak cukup [semak: number or amount] [00:00:19–00:00:21] Pula duit. Bulan keempat [semak: uncertain words] [00:00:21–00:00:24] Tak cukup 6 ribu. So apa yang berlaku [semak: uncertain words, number or amount] [00:00:24–00:00:26] Kita loankan duit. Boleh juga [00:00:26–00:00:27] So kita loankan je lah [00:00:27–00:00:29] Tanpa kita kena jual share [00:00:29–00:00:31] jual saham, itulah konsep loan [00:00:31–00:00:33] company pinjam duit [semak: uncertain words] [00:00:34–00:00:34] daripada [00:00:36–00:00:38] seseorang, seseorang itu [00:00:38–00:00:39] biasanya orang yang ada kepentingan lah [00:00:39–00:00:41] orang yang percaya pada company biasanya adalah shareholder [semak: uncertain words] [00:00:41–00:00:43] ataupun mungkin director [00:00:44–00:00:46] jadi kebiasaannya shareholder punya [semak: uncertain words] [00:00:46–00:00:47] loan, jadi company berhutang [00:00:47–00:00:49] dengan shareholder, disebabkan shareholder ni [00:00:49–00:00:51] owner, dia biasa tak ada interest lah [00:00:51–00:00:53] takkanlah kita nak interest company kita sendiri [00:00:53–00:00:55] kelakar lah pula kan, ni company aku kot [semak: uncertain words] [00:00:55–00:00:57] takpelah aku tolong je lah eh, so kita pun top up [semak: uncertain words] [00:00:57–00:00:59] tak buat top up, jadi setiap kali top up [semak: uncertain words] [00:00:59–00:01:02] Kita namakan tu sebagai loan [semak: uncertain words] [00:01:02–00:01:03] Jadi company kena bayar balik [00:01:03–00:01:04] Jangan risau [00:01:04–00:01:05] Duit tu akan kawan-kawan dapat [semak: uncertain words] [00:01:05–00:01:07] Ataupun kita boleh guna external [00:01:07–00:01:08] Dia ada dua lah [00:01:08–00:01:09] Internal loan [00:01:09–00:01:10] Ataupun external loan [00:01:10–00:01:11] Kita buat [00:01:11–00:01:12] SME financing [00:01:12–00:01:15] Kita dapatkan orang luar [00:01:15–00:01:16] Untuk bagi duit [00:01:16–00:01:18] Sama ada private company [semak: uncertain words] [00:01:18–00:01:19] Ataupun [00:01:20–00:01:21] Government ke apa ke [semak: uncertain words] [00:01:22–00:01:22] Contohnya [00:01:22–00:01:24] Paling senang saya beritahu [00:01:24–00:01:27] Kita kena cantikkan bank statement kita [00:01:27–00:01:27] Ending balance [00:01:27–00:01:29] Tahu tak ending balance [00:01:29–00:01:30] Dia yang ni [00:01:30–00:01:33] Kita punya baki duit dalam bank account tu [semak: uncertain words] [00:01:33–00:01:35] Dia kalau boleh kena lebih daripada [00:01:36–00:01:37] RM10,000 sebulan [semak: number or amount] [00:01:37–00:01:39] So lebih RM10,000 sebulan [semak: number or amount] [00:01:39–00:01:41] Contohnya kita pada bulan ketiga [00:01:41–00:01:43] Baki duit kat bank kita dah lebih RM10,000 [semak: number or amount] [00:01:43–00:01:45] Bulan keempat eh naik di RM12,000 [semak: uncertain words, number or amount] [00:01:45–00:01:46] Bulan yang ke [00:01:47–00:01:48] 5 naik lagi [semak: uncertain words, number or amount] [00:01:48–00:01:51] Lagi di RM14,000 faham? Maksudnya ending balance kita tu [semak: uncertain words, number or amount] [00:01:51–00:01:52] Baki duit hujung bulan tu [00:01:52–00:01:55] Ada kenaikan dan positif [semak: uncertain words] [00:01:55–00:01:56] RM10,000 tu consider healthy [semak: number or amount] [00:01:56–00:01:57] Lepas tu naik-naik-naik-naik-naik [00:01:57–00:01:59] Maksudnya bagi pihak bank [00:01:59–00:02:01] Ataupun bagi pihak private loan ni [00:02:01–00:02:03] Dia bagi oh company ni menarik [semak: uncertain words] [00:02:03–00:02:05] Dia nampak ada kenaikan [00:02:06–00:02:06] Maksudnya healthy [00:02:06–00:02:07] Ada profit kat situ [semak: uncertain words] [00:02:07–00:02:09] Sebab ending balance bertambah [00:02:09–00:02:10] Itu senang je [00:02:10–00:02:12] Sebab dia akan minta bank statement 6 bulan [semak: number or amount] [00:02:12–00:02:14] So kalau kita boleh cantikkan bank statement 6 bulan [semak: number or amount] [00:02:14–00:02:16] Katakanlah kita nak proper pindah ofis [00:02:16–00:02:18] Kita run business 3 bulan [semak: number or amount] [00:02:18–00:02:19] By bulan yang keempat [00:02:19–00:02:20] Kita dah cantikkan bank account kita [00:02:20–00:02:22] Bulan yang ke-9 dah boleh apply loan dah [semak: number or amount] [00:02:22–00:02:23] Ibaratnya macam tu [00:02:23–00:02:24] Dan pastikan [00:02:24–00:02:25] Kita punya director [semak: uncertain words] [00:02:25–00:02:27] Or director ataupun shareholder [semak: uncertain words] [00:02:27–00:02:28] Kena cantik sitos ikris [semak: uncertain words] [00:02:28–00:02:31] Janganlah pula ada kereta lambat bayar [00:02:31–00:02:33] Dia akan minta sitos ikris [semak: uncertain words] [00:02:33–00:02:34] Dia akan beli kita punya [00:02:34–00:02:35] Report kita [semak: uncertain words] [00:02:35–00:02:38] So cantikkan kita punya bank statement [00:02:38–00:02:40] Dan juga kita punya ni lah [00:02:40–00:02:41] Record pembayaran dekat bank negara [semak: uncertain words] [00:02:41–00:02:43] Dia akan tengok kosong satu kosong kosong [semak: uncertain words] [00:02:43–00:02:46] Kalau ada salah bayar lambat sebulan dia keluar satu [00:02:46–00:02:48] Dia macam tu lah kosong satu kosong kosong kosong kosong [00:02:48–00:02:50] Dia nak pastikan 6 bulan yang kebelakang [semak: uncertain words, number or amount] [00:02:50–00:02:52] Kita punya bayaran kereta cantik [00:02:52–00:02:53] Oh ok cantik kan [00:02:54–00:02:56] Jadi apa lagi [semak: uncertain words] [00:02:56–00:02:58] Contoh, director pinjamkan RM24,000 [semak: uncertain words, number or amount] [00:02:58–00:03:00] Jadi kita bayar balik 24 bulan [semak: uncertain words, number or amount] [00:03:00–00:03:01] Bayarlah RM1,000 [semak: number or amount] [00:03:01–00:03:03] Tanpa interest sebab ni company sendiri [00:03:03–00:03:07] Katakanlah, kita pinjam dengan orang lain [semak: uncertain words] [00:03:07–00:03:08] Adalah code interest [semak: uncertain words] [00:03:08–00:03:11] Kalau nak apply lah Islamic loan dan sebagainya [00:03:11–00:03:11] Jadi adalah [00:03:11–00:03:13] Antara benda yang saya boleh share [00:03:13–00:03:15] Antara ni adalah funding society [00:03:15–00:03:17] Boleh search funding society [00:03:17–00:03:20] Ini antara yang saya a bit recommend jugalah [semak: uncertain words] [00:03:20–00:03:22] Sebab kami pun ada [00:03:22–00:03:23] Banyak kali juga deal [00:03:23–00:03:25] So funding society ni [00:03:25–00:03:28] tak apa-apa nak nampak pula [semak: uncertain words] [00:03:28–00:03:29] sekejap saya kecilkan sikit [00:03:29–00:03:31] ok boleh nampak [00:03:31–00:03:32] saya tengahkan dia [00:03:32–00:03:33] ok funding society ni [00:03:34–00:03:36] boleh corak cuba [semak: uncertain words] [00:03:36–00:03:37] sebab funding society ni [00:03:37–00:03:38] dia ada [00:03:38–00:03:39] micro SME loan [00:03:39–00:03:40] kita tengok jap [semak: uncertain words] [00:03:40–00:03:42] flash approval [00:03:42–00:03:42] wala macam eh [semak: uncertain words] [00:03:42–00:03:43] next gen [00:03:43–00:03:45] micro SME [00:03:45–00:03:46] kita tengok jap [00:03:46–00:03:47] dekat dia punya [00:03:47–00:03:48] SME financing ni [00:03:48–00:03:50] ni micro financing [semak: uncertain words] [00:03:50–00:03:51] maksudnya untuk [00:03:51–00:03:52] company-company kecil [00:03:52–00:03:52] punya financing [00:03:52–00:03:54] ok [00:03:54–00:03:55] apa yang dia boleh bantu [00:03:55–00:03:56] Dia kata kat sini [00:03:57–00:03:58] Get up to [semak: uncertain words] [00:03:58–00:04:00] RM200,000 [semak: number or amount] [00:04:00–00:04:00] Nampak? [00:04:01–00:04:02] Sebab tu microfinancing [00:04:02–00:04:03] Untuk company-company [00:04:03–00:04:05] Yang tak pernah lagi audit pun [semak: uncertain words] [00:04:05–00:04:06] Boleh buat [00:04:06–00:04:07] So dia beritahu kat sini [semak: uncertain words] [00:04:09–00:04:11] Dia punya rate dia 0.8% [semak: number or amount] [00:04:11–00:04:12] Sangat murah eh [semak: uncertain words] [00:04:12–00:04:13] Sampai 18 bulan [semak: uncertain words, number or amount] [00:04:13–00:04:16] Dan boleh pinjam up to RM200,000 [semak: number or amount] [00:04:16–00:04:17] Sebab investor yang terbaik [00:04:17–00:04:18] Adalah bank sebenarnya [00:04:18–00:04:20] Dia bagi punya duit [semak: uncertain words] [00:04:20–00:04:20] Dah settle kat sini [00:04:20–00:04:22] So kita boleh check lah [00:04:22–00:04:23] Dan kenapa dia kata fast approval [semak: uncertain words] [00:04:23–00:04:25] Sebab dia memang check [00:04:25–00:04:25] Kita punya bank statement [semak: uncertain words] [00:04:25–00:04:27] Dia check je bank statement [semak: uncertain words] [00:04:27–00:04:28] Oh awak layak [00:04:28–00:04:29] Mungkin kena upload lah kot [semak: uncertain words] [00:04:29–00:04:30] Dokumen kat sini dan sebagainya [00:04:30–00:04:32] So katakanlah kita nak pinjam [00:04:32–00:04:33] Bawah ni ada calculator [00:04:33–00:04:34] Katalah saya nak pinjam [00:04:36–00:04:37] RM100,000 [semak: number or amount] [00:04:37–00:04:38] Saya nak pindah ofis [00:04:38–00:04:40] Okey berapa lama saya nak bayar balik [semak: uncertain words] [00:04:40–00:04:41] Saya bayar balik [00:04:41–00:04:42] 18 bulan maximum [semak: number or amount] [00:04:42–00:04:44] Ambil lah rate 1% [semak: number or amount] [00:04:44–00:04:45] Jadi setiap bulan [00:04:45–00:04:46] Kita bayar [semak: uncertain words] [00:04:46–00:04:48] RM7,200 [semak: number or amount] [00:04:49–00:04:50] Darab lah dengan [00:04:51–00:04:51] RM18,000 [semak: number or amount] [00:04:51–00:04:53] Jadi apa keuntungan dia [00:04:53–00:04:54] Saya pun kiralah [00:04:54–00:04:55] Calculator kat sini [00:04:55–00:04:57] Kita pun try calculate [semak: uncertain words] [00:05:01–00:05:02] 7211.11 [semak: uncertain words, number or amount] [00:05:02–00:05:04] Darab [00:05:05–00:05:05] Dengan [00:05:05–00:05:07] 18 bulan [semak: number or amount] [00:05:07–00:05:07] Jadi [00:05:07–00:05:09] Pinjam 100 ribu [semak: uncertain words, number or amount] [00:05:09–00:05:11] Bayar 130 ribu [semak: number or amount] [00:05:11–00:05:12] Pihak tak? [semak: uncertain words] [00:05:12–00:05:13] Haa macam itulah konsep dia [semak: uncertain words] [00:05:13–00:05:15] Tapi kita dapat stretch kan [00:05:15–00:05:17] Pembayaran tu selama [00:05:17–00:05:18] 18 bulan [semak: number or amount] [00:05:18–00:05:19] Dan kita tak ada [semak: uncertain words] [00:05:19–00:05:20] Terasa beban [semak: uncertain words] [00:05:20–00:05:20] Jadi kita masuk ofis [00:05:20–00:05:22] Katalah kita nak properly masuk ofis [semak: uncertain words] [00:05:22–00:05:24] Kita selama ni [00:05:24–00:05:25] tak masuk ofis [semak: uncertain words] [00:05:25–00:05:26] kita layan je dulu [semak: uncertain words] [00:05:26–00:05:27] secara virtual [00:05:27–00:05:29] now kita nak masuk ofis [00:05:29–00:05:31] dan kita nak gunakan duit tu [00:05:31–00:05:33] RM50,000 untuk masuk ofis [semak: number or amount] [00:05:33–00:05:34] RM50,000 untuk beli laptop [semak: number or amount] [00:05:34–00:05:35] tak nak pakai laptop [00:05:35–00:05:36] staff dan semua [semak: uncertain words] [00:05:36–00:05:37] boleh apply kat sini [00:05:37–00:05:38] ini contohnya lah [semak: uncertain words] [00:05:38–00:05:39] jadi that's why [00:05:39–00:05:39] loan ni [00:05:39–00:05:41] dia sangat membantu sebenarnya [00:05:41–00:05:42] kalau nak cari [00:05:42–00:05:43] boleh cari Islamic loan [00:05:43–00:05:43] banyak je [00:05:43–00:05:45] so itu je [semak: uncertain words] [00:05:45–00:05:46] kalau tak tahu [00:05:46–00:05:47] Google sendiri [00:05:48–00:05:48] jumpa dalam video [00:05:48–00:05:49] seterusnya