Monthly Burn
Source: https://coachadib.com/module/6ac040624f4c5b44a5b8c094
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.400 – 00:00:05.760] Pembakaran bulanan ataupun Monthly Burn Rate. Berapa cash yang kita perlukan setiap bulan?

[00:00:06.020 – 00:00:10.340] Hanya boleh dapat bila kita dah kira kos bulanan. Monthly Expenses.

[00:00:10.820 – 00:00:13.160] Iaitu OPEX kita lah. OPEX lah Monthly Expenses.

[00:00:13.420 – 00:00:19.480] Sebab kalau COGS, kita tak ambil itu sebagai Monthly Expenses sebab dapat duit baru kita kena deliver. Betul tak?

[00:00:20.000 – 00:00:23.120] Kalau katakanlah customer bayar, baru kita kena deliver pada customer.

[00:00:23.840 – 00:00:29.040] Katalah kita ada job, baru duit itu keluar. Itu COGS. Sebab itu kita tak consider sebagai pembayaran bulanan.

[00:00:29.040 – 00:00:31.060] COGS ni hanya ada

[00:00:31.060 – 00:00:33.060] kalau customer ada. Kalau customer tak ada

[00:00:33.060 – 00:00:35.080] off-season, tak adalah COGS. So

[00:00:35.080 – 00:00:36.900] yang kita kena bertahan adalah OPEX. Sebab

[00:00:36.900 – 00:00:38.860] OPEX ni wajib terbakar, wajib

[00:00:38.860 – 00:00:40.940] keluar setiap bulan. Cash keluar, tolak

[00:00:40.940 – 00:00:42.200] cash masuk. Kita nak pastikan

[00:00:43.360 – 00:00:44.800] kita ada surplus

[00:00:44.800 – 00:00:47.000] ada duit extra. Tak adalah. Sama

[00:00:47.000 – 00:00:48.840] kan duit masuk sama, duit keluar sama

[00:00:48.840 – 00:00:50.900] kosong lah tinggalnya. Jadi

[00:00:50.900 – 00:00:52.520] jom kita tengok. Ini contoh ni

[00:00:53.500 – 00:00:54.840] net burn. Berapa

[00:00:54.840 – 00:00:56.580] yang kita akan bakar setiap bulan?

[00:00:57.160 – 00:00:58.600] Kita ada duit keluar

[00:00:58.600 – 00:01:00.860] tolak dengan collection. Collection ni duit yang

[00:01:00.860 – 00:01:02.880] masuk daripada customer. Inilah kita panggil cash flow

[00:01:02.880 – 00:01:04.260] Sebab tu kadang-kadang

[00:01:04.260 – 00:01:07.060] nampak macam profit tapi cash flow negatif

[00:01:07.060 – 00:01:08.800] Kenapa? Sebab

[00:01:08.800 – 00:01:11.200] profit tu belum di-realize

[00:01:11.200 – 00:01:12.760] lagi. Belum confirm lagi

[00:01:12.760 – 00:01:14.760] Dia baru bayar deposit. Tapi kita dah keluar

[00:01:14.760 – 00:01:16.840] modal untuk settlekan bayar-bayar apa semua

[00:01:16.840 – 00:01:18.740] Rupanya cash flow kita tak cantik. Contoh

[00:01:18.740 – 00:01:21.020] ambil company yang buat construction

[00:01:21.880 – 00:01:22.940] Dia dapat deposit

[00:01:22.940 – 00:01:24.720] daripada customer dia baru 10%

[00:01:24.720 – 00:01:26.400] Tapi dia dah keluar duit 20%

[00:01:26.400 – 00:01:28.460] So ada negative 10% kat situ

[00:01:28.460 – 00:01:31.540] So tak positif lah, maksudnya payment terms dia tu tak bijak

[00:01:31.540 – 00:01:35.620] So dia kena pastikan collection dia, duit yang dia diterima

[00:01:37.780 – 00:01:40.040] Mesti melebihi daripada duit yang keluar

[00:01:40.040 – 00:01:43.480] Barulah kita ada bulan yang positif

[00:01:44.440 – 00:01:45.460] Contohnya macam ni lah

[00:01:46.020 – 00:01:49.240] Duit keluar, bayar gaji, star, bayar lah macam-macam lah

[00:01:49.240 – 00:01:51.160] Apa benda pun semua, RM25,000

[00:01:51.160 – 00:01:53.140] Tapi collection duit masuk RM20,000

[00:01:53.140 – 00:01:55.200] Maka kita akan negative RM5,000

[00:01:55.200 – 00:01:55.900] Bahayalah

[00:01:55.900 – 00:01:58.300] So katakanlah kita dalam duit dalam company

[00:01:58.300 – 00:01:59.140] Ada RM40,000 je

[00:01:59.140 – 00:02:00.060] Berapa lama boleh bertahan

[00:02:00.060 – 00:02:01.460] Kalau situasi ni berterusan

[00:02:01.460 – 00:02:04.020] Kita hanya boleh bertahan 8 bulan sahaja

[00:02:04.020 – 00:02:06.000] Itulah dipanggil sebagai runway

[00:02:06.000 – 00:02:07.760] Bukan lari ya runway bukan

[00:02:07.760 – 00:02:10.280] Runway ni dia macam kapal terbang

[00:02:10.280 – 00:02:10.700] Faham tak

[00:02:10.700 – 00:02:12.680] Kapal terbang bila dia nak berlepas

[00:02:12.680 – 00:02:14.300] Berapa jauh landasan dia

[00:02:14.300 – 00:02:16.520] Ada yang landasan 2 bulan je

[00:02:16.520 – 00:02:18.020] Itu yang kapal terbang terhempas tu

[00:02:18.020 – 00:02:19.700] Tak boleh nak terbang sebab tak cukup momentum

[00:02:19.700 – 00:02:22.420] Tapi dengan pengurusan cash flow yang bagus

[00:02:22.420 – 00:02:25.460] Kita boleh stretchkan runway tu jadi 12 bulan

[00:02:25.460 – 00:02:27.300] Sebab kita tak burn cash banyak sangat

[00:02:27.300 – 00:02:28.960] Menyebabkan kapal terbang tu

[00:02:28.960 – 00:02:29.960] Boleh ambil momentum

[00:02:31.420 – 00:02:32.280] Take off

[00:02:32.280 – 00:02:33.640] Bila dia dah take off

[00:02:33.640 – 00:02:34.540] Maksudnya dia dah

[00:02:34.540 – 00:02:35.300] Positive

[00:02:35.300 – 00:02:36.200] Dia dah profit

[00:02:36.200 – 00:02:36.680] Dia dah

[00:02:36.680 – 00:02:38.200] Boleh kata macam automate lah

[00:02:38.200 – 00:02:38.700] Dia dah boleh

[00:02:38.700 – 00:02:39.540] Self-sufficient

[00:02:39.540 – 00:02:41.200] So itu yang kita nak

[00:02:41.200 – 00:02:42.080] Belajar

[00:02:42.080 – 00:02:43.900] Bila kita fahamkan ilmu finance ni guys

[00:02:43.900 – 00:02:44.480] Bukan apa

[00:02:44.480 – 00:02:45.380] Sebenarnya nak pastikan

[00:02:45.380 – 00:02:46.180] Company hidup

[00:02:46.180 – 00:02:47.300] Nak pastikan

[00:02:47.300 – 00:02:49.080] Gaji bos dibayar

[00:02:49.080 – 00:02:49.780] Itu point dia

[00:02:49.780 – 00:02:51.060] Pucuk pangkal dia kat situ

[00:02:52.040 – 00:02:53.800] So kena belajarlah ilmu runway

[00:02:53.800 – 00:02:54.700] Kalau borak dengan member

[00:02:54.700 – 00:02:55.720] Eh, runway kau berapa lama?

[00:02:56.760 – 00:02:57.820] Aku punya runway

[00:02:59.100 – 00:02:59.840] Sebulan lebih

[00:03:00.600 – 00:03:01.300] Bahaya tu

[00:03:01.300 – 00:03:02.400] Setengah bulan

[00:03:02.400 – 00:03:03.780] Memang kais pagi makan pagi

[00:03:03.780 – 00:03:04.580] Berapa runway?

[00:03:04.920 – 00:03:05.440] Alhamdulillah

[00:03:05.440 – 00:03:07.100] Runway aku 6 bulan

[00:03:07.800 – 00:03:08.640] Runbulan kira

[00:03:08.640 – 00:03:10.400] Kira okey lah 6 bulan kan

[00:03:10.400 – 00:03:11.700] At least 6 bulan apa-apa berlaku

[00:03:11.700 – 00:03:12.560] Boleh bertahan 6 bulan

[00:03:12.560 – 00:03:13.780] Sebab tu company ni

[00:03:13.780 – 00:03:15.100] Dia kena ada cash reserve

[00:03:15.100 – 00:03:16.120] Sepatutnya

[00:03:16.120 – 00:03:18.020] Dia kena ada cash reserve 6 bulan

[00:03:18.020 – 00:03:19.820] Katalah dia negatif

[00:03:19.820 – 00:03:21.000] Langsung tak ada job

[00:03:21.000 – 00:03:22.480] Dia still boleh bertahan 6 bulan

[00:03:23.060 – 00:03:24.160] Katakanlah dia ada job

[00:03:24.160 – 00:03:26.040] tapi half, maksudnya tak full

[00:03:26.040 – 00:03:27.960] dia boleh bertahan double lah, sebab dia

[00:03:27.960 – 00:03:30.000] negatif separuh, so dia boleh bertahan 12 bulan

[00:03:30.000 – 00:03:32.320] faham tak, sebab tu kita stand by 6 bulan

[00:03:32.320 – 00:03:33.840] je, tak payah banyak-banyak, tak payah

[00:03:33.840 – 00:03:35.980] kayakan company, kita nak kena disperse

[00:03:35.980 – 00:03:37.820] kepada shareholder, sebab healthy

[00:03:37.820 – 00:03:39.380] nanti saya akan ajar lah dalam

[00:03:39.380 – 00:03:41.480] point yang seterusnya, kenapa kita tak nak

[00:03:41.480 – 00:03:43.440] kayakan company, ada reason dia

[00:03:44.800 – 00:03:45.980] normal versus zero

[00:03:45.980 – 00:03:46.320] collection

[00:03:47.900 – 00:03:49.700] kalau tak ada collection langsung

[00:03:49.700 – 00:03:51.300] ini yang saya kata tadi tu, bertahan

[00:03:51.300 – 00:03:53.520] ini memang bulan puasa biasa

[00:03:53.520 – 00:03:54.180] ada setengah company

[00:03:54.180 – 00:03:55.180] bulan puasa

[00:03:55.180 – 00:03:55.960] bulan raya

[00:03:55.960 – 00:03:56.280] memang

[00:03:56.280 – 00:03:57.220] zero

[00:03:57.220 – 00:03:57.720] terus

[00:03:57.720 – 00:03:58.880] ada setengah macam tu

[00:03:58.880 – 00:03:59.700] so boleh bertahan

[00:03:59.700 – 00:04:00.360] sebulan dua je

[00:04:00.360 – 00:04:02.020] tapi kalau katalah

[00:04:02.020 – 00:04:03.420] collection kita ni normal

[00:04:03.420 – 00:04:04.400] boleh bertahan

[00:04:04.400 – 00:04:05.140] enam bulan

[00:04:05.140 – 00:04:05.980] macam tu lah

[00:04:05.980 – 00:04:06.740] jadi

[00:04:06.740 – 00:04:08.320] dengan collection yang normal

[00:04:08.320 – 00:04:09.360] katalah kita burn

[00:04:09.360 – 00:04:10.040] tujuh ribu je

[00:04:10.040 – 00:04:10.920] sikit je lah burn

[00:04:10.920 – 00:04:12.240] walaupun collection kita

[00:04:12.240 – 00:04:12.860] tak adalah

[00:04:12.860 – 00:04:13.760] positif

[00:04:13.760 – 00:04:14.520] tapi dia burn

[00:04:14.520 – 00:04:14.940] tujuh

[00:04:14.940 – 00:04:15.320] tujuh

[00:04:15.320 – 00:04:15.760] tujuhk

[00:04:15.760 – 00:04:16.360] tujuhk

[00:04:16.360 – 00:04:17.700] boleh bertahan

[00:04:17.700 – 00:04:19.340] dalam sekitar

[00:04:19.340 – 00:04:20.040] tujuh bulan

[00:04:20.040 – 00:04:21.020] kalau kita punya cash

[00:04:21.020 – 00:04:21.760] 42 ribu

[00:04:21.760 – 00:04:23.000] tapi dalam kes ni pula

[00:04:23.920 – 00:04:25.100] Duit keluar sama

[00:04:25.100 – 00:04:26.600] Tapi collection tak ada

[00:04:26.600 – 00:04:27.660] Memang

[00:04:28.460 – 00:04:29.520] Bertahan dia tak lama

[00:04:29.520 – 00:04:31.680] Kita tengok pula video yang seterusnya