P&L Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:02] Bila dah faham semua ni guys [00:00:02–00:00:04] Barulah kita masuk kepada [00:00:04–00:00:06] P&L. Tepuk tangan tu semua [semak: uncertain words] [00:00:08–00:00:10] Chapter ke 5. Bukan senang ya nak belajar finance ni [semak: uncertain words, number or amount] [00:00:10–00:00:11] Tak semua orang boleh fokus [00:00:11–00:00:14] Belajar pasal number-number ni. Apa benda ni? Aku tu nak buat sale [semak: uncertain words] [00:00:14–00:00:16] Aku nak buat sale. Sabar, sabar [semak: uncertain words] [00:00:16–00:00:18] Sebelum kau tercedok bro dengan sale [semak: uncertain words] [00:00:18–00:00:20] Ni kau dengar. Orang yang dah tercedok banyak kali [00:00:20–00:00:21] 40 company [semak: number or amount] [00:00:22–00:00:24] 25 seramahat. Cuba tanya [semak: uncertain words, number or amount] [00:00:24–00:00:26] Siapa lagi gagal? Awak ke saya? [00:00:26–00:00:28] Sayalah paling gagal. Sebab tu belajarlah [semak: uncertain words] [00:00:28–00:00:29] Dengar orang yang gagal [00:00:29–00:00:29] So that anda tak buat [semak: uncertain words] [00:00:29–00:00:31] Kesilapan gagal yang sama [00:00:31–00:00:32] Walaupun sekarang [00:00:32–00:00:33] Alhamdulillah lah [semak: uncertain words] [00:00:33–00:00:34] Hasil saya 2-3 juta sebulan [semak: number or amount] [00:00:34–00:00:35] Saya ada team dekat 70 orang [semak: number or amount] [00:00:35–00:00:36] Tapi [00:00:37–00:00:38] Orang tak nampak gagal tu [00:00:38–00:00:40] Berapa banyak kegagalan [00:00:40–00:00:42] Untuk jumpa satu mentol [semak: uncertain words] [00:00:42–00:00:42] Yang hidup [00:00:42–00:00:43] Ting [semak: uncertain words] [00:00:43–00:00:44] So please [00:00:44–00:00:45] Dengar [00:00:45–00:00:46] Dan buat [00:00:46–00:00:47] Buat je lah [00:00:47–00:00:50] Tak faham tak apa [semak: uncertain words] [00:00:50–00:00:50] Buat je [00:00:50–00:00:51] Nanti akan faham [00:00:51–00:00:52] Dia lambat sikit faham [00:00:52–00:00:53] Buat dulu [semak: uncertain words] [00:00:53–00:00:55] Sebab tu orang bodoh [00:00:55–00:00:55] Cepat berjaya [00:00:55–00:00:56] Sebab orang bodoh [00:00:56–00:00:57] Tak overthinking [00:00:57–00:00:59] Orang bijak-bijak pandai ni lambat berjaya [00:00:59–00:01:00] You ku? [semak: uncertain words] [00:01:01–00:01:03] Hmm tak lah aku asut tak kot [semak: uncertain words] [00:01:03–00:01:04] Itulah pandai sangat [00:01:04–00:01:07] Kadang-kadang kita kena realas kita ni bodoh je [semak: uncertain words] [00:01:07–00:01:11] Ada sebab kenapa umat-umat terdahulu buat macam tu [semak: uncertain words] [00:01:11–00:01:14] Ada sebab kenapa struktur pengsyarikatan ni [00:01:14–00:01:16] Dia dah ada segala struktur, staff, manager [semak: uncertain words] [00:01:16–00:01:17] Ada sebab [00:01:17–00:01:19] Ada sebab kenapa kita wujudkan ESOP [semak: uncertain words] [00:01:19–00:01:21] Kita ada ordinary share, preference share [00:01:21–00:01:23] Kita ada segala rule-rule benda ni semua [00:01:23–00:01:25] Sebab ini dah terbukti beratus tahun [00:01:25–00:01:28] Siapalah kita baru masuk kandang harimau [00:01:28–00:01:30] Tiba-tiba nak jadi kambing [semak: uncertain words] [00:01:31–00:01:33] Tiba-tiba tak nak jadi harimau pula [00:01:33–00:01:35] Masuk kandang harimau, jadi harimau lah [semak: uncertain words] [00:01:35–00:01:38] Masuk kandang perniagaan, memang ada ilmu dia [00:01:38–00:01:41] Dan antara ilmu wajib adalah PNL [00:01:41–00:01:44] Dia melengkapi segala apa yang kita belajar tadi [00:01:44–00:01:47] Setelah kita dah belajar empat perkara [00:01:47–00:01:48] Kita ulang balik yang arif [00:01:49–00:01:53] Kita dah belajar tentang yang pertama sekali adalah modal, capital [semak: uncertain words] [00:01:53–00:02:00] Dengan modal kita buat apa? Biasanya kita terpaksalah beli mesin ataupun equipment ataupun masuk ofis [semak: uncertain words] [00:02:00–00:02:08] Ini adalah capex. Kita ada modal, kita ada asset, kita ada ofis yang kita masuk dengan renovation dan sebagainya [semak: uncertain words] [00:02:08–00:02:14] Lepas tu pula kita ada yang ketiga kos bahan. Kita panggil sebagai COGS [semak: uncertain words] [00:02:14–00:02:17] Adalah kos penghasilan bahan [00:02:17–00:02:22] Dan daripada kos penghasilan bahan kita akan dapat GP. GP adalah gross profit [semak: uncertain words] [00:02:22–00:02:24] Daripada situ pula, itu belum untung bersih. [00:02:24–00:02:28] Nak untung bersih, tolak pula dengan kita punya OPEX. [00:02:28–00:02:31] Tolak OPEX, barulah dapat PBT. [00:02:31–00:02:32] Profit Before Tax. [semak: uncertain words] [00:02:33–00:02:35] Itulah cara kira paling simple untuk PNL. [00:02:35–00:02:36] Saya dah sebut dah semuanya. [00:02:37–00:02:39] Tapi, jom kita tengok secara teknikal apakah dia. [00:02:39–00:02:42] PNL adalah bisnes ni untung ke rugi. [00:02:42–00:02:43] Revenue. [00:02:43–00:02:45] Tolak expenses equal profit. [00:02:45–00:02:47] Senang je kalau nak kira dia. [semak: uncertain words] [00:02:47–00:02:49] Tapi, tak semua orang boleh kira. [00:02:49–00:02:50] Revenue. [00:02:50–00:02:50] Revenue ni apa? [00:02:50–00:02:52] Revenue ni adalah duit masuk [00:02:52–00:02:54] Sale adalah duit beri customer [semak: uncertain words] [00:02:54–00:02:56] Ada setengah company, revenue tak sama dengan sale [00:02:56–00:02:59] Dia macam ni, revenue ni bulat yang besar [00:02:59–00:03:00] Sale bulat yang kecil, kita tengok [semak: uncertain words] [00:03:02–00:03:03] Revenue [00:03:03–00:03:04] Versus sale [00:03:04–00:03:06] Kita tengok dekat image, nak senang faham [00:03:06–00:03:07] Tengok image [00:03:08–00:03:10] Ada tak? Haa macam ni [semak: uncertain words] [00:03:10–00:03:12] Ok, nampak tak? Dia macam ni [semak: uncertain words] [00:03:13–00:03:14] Revenue ni besar [00:03:14–00:03:16] Sale tu kecil je sebenarnya, kenapa? [00:03:16–00:03:18] Company-company besar, dia bukannya [00:03:18–00:03:20] Dapat duit daripada sale semata-mata [semak: uncertain words] [00:03:20–00:03:22] Dia ada revenue, dia ada income-income lain [00:03:22–00:03:24] Contohnya, dia ada investment portfolio [00:03:24–00:03:26] Dia ada property, dia ada macam-macam [00:03:26–00:03:28] Duit daripada sana, dividend sana, sini [00:03:28–00:03:30] Dia ada own company bawah contohnya [00:03:30–00:03:32] Dia ada holding company [00:03:32–00:03:36] Dia ada banyak anak-anak syarikat [00:03:36–00:03:38] Anak syarikat hantar dividend ke atas [00:03:38–00:03:39] Itu apa? Itu sale? Bukan [00:03:39–00:03:41] Itu number of revenue [semak: uncertain words] [00:03:41–00:03:42] Itulah beza dia [00:03:42–00:03:44] Revenue adalah semua duit masuk [00:03:44–00:03:46] Tak kisahlah daripada customer ke [00:03:46–00:03:49] Ataupun daripada source lain [00:03:49–00:03:51] Sale pula adalah duit purely daripada customer [00:03:51–00:03:53] Itu cuma syarat [semak: uncertain words] [00:03:53–00:03:55] Revenue ni dia adalah duit yang positif [semak: uncertain words] [00:03:55–00:03:56] Bukanlah hutang [00:03:56–00:03:58] Kalau masuk sebagai loan bukan revenue [00:03:58–00:03:59] Itu nama dia debt lah hutang lah [00:03:59–00:04:03] Kan itu dah jadi hutang lah kita kena bayar balik [00:04:03–00:04:06] Tapi yang ni duit yang kita boleh gunakan [00:04:06–00:04:08] Tapi bukan daripada customer [00:04:08–00:04:09] Biasanya itulah dividend [00:04:09–00:04:11] Sebab tu ada setengah company investor [semak: uncertain words] [00:04:11–00:04:13] Dia ada 5 company bawah [semak: uncertain words, number or amount] [00:04:13–00:04:16] Company bawah ni setiap 3 bulan hantar quarterly dividend [semak: number or amount] [00:04:16–00:04:18] So dia langsung tak ada sale [semak: uncertain words] [00:04:18–00:04:20] Tapi dia ada revenue [semak: uncertain words] [00:04:20–00:04:21] Boleh jadi juga [00:04:21–00:04:22] Nampak [00:04:22–00:04:24] Jadi sebab tu bahasa corporate [semak: uncertain words] [00:04:24–00:04:25] Dia jarang panggil sale [00:04:25–00:04:25] Dia panggil revenue [00:04:25–00:04:27] Sebab bila kita mention revenue [00:04:27–00:04:29] Dia mewakili semua sekali [00:04:29–00:04:30] Kalau kita kata sale [00:04:30–00:04:32] Hanya merujuk kepada customer sahaja [00:04:32–00:04:33] Company SME sahaja yang guna sale [semak: uncertain words] [00:04:33–00:04:35] Tapi company-company besar [00:04:35–00:04:36] Terms dia adalah revenue [00:04:36–00:04:36] That's why [00:04:36–00:04:38] Kalau kita nak belajar [00:04:38–00:04:39] Bahasa lebih tepat sebenarnya adalah revenue [semak: uncertain words] [00:04:42–00:04:44] Flo baca panel dengan urutan yang betul [semak: uncertain words] [00:04:44–00:04:45] Ini urutan dia [00:04:45–00:04:48] Revenue tolak COGS [00:04:48–00:04:50] Equal gross profit [00:04:50–00:04:51] Yang saya sebut tadi [semak: uncertain words] [00:04:51–00:04:52] Nama dia GP [00:04:52–00:04:53] Kalau anda boleh hafal ni [00:04:53–00:04:54] Anda memang bijak gila [00:04:54–00:04:56] Selangkah menjadi jutawan [00:04:56–00:04:57] Oh, alamak [semak: uncertain words] [00:04:57–00:04:58] GP pula [00:04:58–00:05:00] Tolak dengan OPEX [00:05:00–00:05:01] Dapatlah OP [00:05:01–00:05:03] Ni saya panggil dia OP [00:05:03–00:05:04] OP ni adalah [00:05:04–00:05:05] Operating Profit [00:05:05–00:05:06] Maksudnya [00:05:07–00:05:08] Dia untung [00:05:08–00:05:09] Untung kasar [00:05:09–00:05:11] Dia lebih tepat [00:05:11–00:05:12] Dia belum PBT lagi [00:05:12–00:05:14] Sebab PBT ni [00:05:14–00:05:15] Profit before tax ni [00:05:15–00:05:16] Dia sebenarnya kena tambah [00:05:16–00:05:17] Dengan ada income [00:05:18–00:05:19] Lepas tu ada tak buat [00:05:19–00:05:19] Loan-loan [semak: uncertain words] [00:05:19–00:05:21] financial cost ni sebenarnya adalah loan [semak: uncertain words] [00:05:21–00:05:24] kita dah tak buat apa-apa loan-loan dengan bank [semak: uncertain words] [00:05:24–00:05:25] ke apa-apa ke, kena bayar kat sini [00:05:25–00:05:27] sebab tu PBT ni [00:05:27–00:05:29] dia technical terms account ni [00:05:29–00:05:31] sebenarnya luas lagi [00:05:31–00:05:33] saya pun baru je belajar, baru je insaf [00:05:33–00:05:35] kalau tersalah, minta maaf lah [00:05:35–00:05:38] boleh tanya orang lain, saya ni baru nak belajar [semak: uncertain words] [00:05:38–00:05:39] antara impian saya nak ada [00:05:39–00:05:40] certified accountant [00:05:41–00:05:43] saya adalah baru ni enroll [00:05:43–00:05:45] kat satu universiti nak belajar, Alhamdulillah [00:05:45–00:05:47] insyaAllah doakan saya dapat SCCA [00:05:48–00:05:49] Dapatlah [00:05:49–00:05:49] InsyaAllah lah [semak: uncertain words] [00:05:49–00:05:50] Lambat lagi [00:05:50–00:05:50] Susah baik [00:05:50–00:05:52] Tapi itulah impian-impian saya [00:05:52–00:05:54] Sebab nak jadi investor [00:05:54–00:05:55] Nak belajar pasal bisnes kan [00:05:55–00:05:55] Minat finance [00:05:55–00:05:57] Nak jatuh cinta dengan finance [00:05:57–00:05:58] Sebab menarik [00:05:58–00:05:59] Finance is the language of business [00:05:59–00:06:01] So kenapa [00:06:01–00:06:02] Kita asingkan [semak: uncertain words] [00:06:02–00:06:03] Kenapa ni OP [00:06:03–00:06:04] Sebab ini adalah [00:06:04–00:06:06] Keuntungan daripada operasi [00:06:06–00:06:07] Bila kita operate [00:06:07–00:06:08] Operate apa [00:06:08–00:06:09] Team operation menghasilkan service [semak: uncertain words] [00:06:09–00:06:11] So apa keuntungan dia [00:06:11–00:06:12] Ini je keuntungan dia [00:06:12–00:06:14] Maksudnya customer yang bayar [00:06:14–00:06:15] Team operation [00:06:15–00:06:16] Deliver the service [00:06:16–00:06:19] So itulah kita panggil sebagai operating profit [00:06:19–00:06:21] Faham tak? Kenapa dia panggil operating? [semak: uncertain words] [00:06:22–00:06:27] Kenapa tak panggil profit? Tak sebab ini profit daripada operasi syarikat [00:06:27–00:06:28] Sebab tu kita panggil operating profit [00:06:28–00:06:30] Katalah syarikat tu jual produk kesihatan [00:06:30–00:06:33] Mestilah dia nak kena buat marketing, buat sale [00:06:33–00:06:35] Lepas tu buat shipping, bla bla bla [semak: uncertain words] [00:06:35–00:06:36] So itulah operasi dia [00:06:36–00:06:39] Jadi berapakah keuntungan hasil daripada operasi? [00:06:39–00:06:40] Itulah nama dia OP [00:06:40–00:06:44] Tapi ada pula keuntungan yang bukan datang daripada operasi [00:06:44–00:06:46] Dia datang daripada income-income lain [00:06:46–00:06:48] Contohnya investment, macam saya kata tadi [semak: uncertain words] [00:06:48–00:06:50] Ada setengah company besar [semak: uncertain words] [00:06:50–00:06:52] Yang dia ada banyak anak syarikat [00:06:52–00:06:54] So anak syarikat ni push dividend [00:06:54–00:06:56] So tu apa pula? Itu bukan keuntungan operasi [semak: uncertain words] [00:06:56–00:06:59] Itu adalah keuntungan dari sudut investment [00:06:59–00:07:00] Jadi dia tak consider itu sebagai [00:07:00–00:07:02] OP, dia consider itu sebagai [00:07:02–00:07:04] Ada income, income-income [semak: uncertain words] [00:07:04–00:07:06] Tambahan lain, jangan terkejut eh [semak: uncertain words] [00:07:06–00:07:08] Company corporate kadang-kadang ada income dia [00:07:08–00:07:10] Lagi besar daripada operating profit [00:07:10–00:07:12] Operating profit ni wayang je [00:07:12–00:07:14] Itu yang kata, ni company cuci duit [00:07:14–00:07:15] Cuci duit semetak [semak: uncertain words] [00:07:15–00:07:16] Cuci duit ni aduh [00:07:16–00:07:18] Masalah betul lah mental [00:07:18–00:07:19] Asal kaya berjaya je [00:07:19–00:07:20] Cuci duit [00:07:20–00:07:21] Apa benda lah mindset [00:07:22–00:07:23] Mata lalat [00:07:23–00:07:24] Mata ada dua tau [semak: uncertain words] [00:07:24–00:07:25] Satu mata lalat [00:07:25–00:07:26] Satu mata lebah [00:07:26–00:07:27] Mata lalat tengok benda baik [00:07:27–00:07:28] Nampak sampah [00:07:28–00:07:30] Mata lebah [00:07:30–00:07:31] Tengok benda buruk pun [00:07:31–00:07:31] Nampak madu [00:07:32–00:07:33] Tak apa [semak: uncertain words] [00:07:33–00:07:33] Tak apa [semak: uncertain words] [00:07:34–00:07:35] So ada income [00:07:35–00:07:37] Next adalah finance cost [00:07:37–00:07:39] Dia tolak dengan finance cost [00:07:39–00:07:40] Sebab kita ada financial cost [semak: uncertain words] [00:07:40–00:07:41] Contohnya [00:07:41–00:07:42] Saya bagi loan [00:07:42–00:07:44] Saya adalah director company [00:07:44–00:07:46] Saya adalah owner company [semak: uncertain words] [00:07:46–00:07:47] Ataupun saya adalah pakcik [00:07:47–00:07:48] Anak buah saya buat bisnes [00:07:48–00:07:49] Saya bagi loan [00:07:49–00:07:49] Saya kata [semak: uncertain words] [00:07:49–00:07:51] Engkau bayar balik duit ini kat aku [00:07:51–00:07:53] Setiap tahun aku nak dapatkan [00:07:53–00:07:54] At least 30% [semak: uncertain words, number or amount] [00:07:54–00:07:55] Cukup 3 tahun settle [semak: number or amount] [00:07:55–00:07:56] Okay boleh pakcik [semak: uncertain words] [00:07:57–00:07:58] Takpelah [00:07:58–00:07:59] Ini kita buatlah konsep mudah rabah [semak: uncertain words] [00:07:59–00:08:00] Musyarah wakah [00:08:00–00:08:01] Benda islamic loan [semak: uncertain words] [00:08:01–00:08:02] Tak ada term [00:08:02–00:08:03] Tak ada interest [00:08:03–00:08:04] Okay [00:08:04–00:08:05] So [00:08:05–00:08:08] Dia pun bayar 30% setiap tahun [semak: number or amount] [00:08:08–00:08:09] Jadi itulah financial cost [00:08:09–00:08:11] So apa-apa sahaja loan-loan [00:08:11–00:08:13] ataupun interest ke apa ke [00:08:13–00:08:15] itu adalah semua dekat [semak: uncertain words] [00:08:15–00:08:17] finance cost. Katalah [00:08:17–00:08:19] tak silap saya eh. Depreciation [semak: uncertain words] [00:08:20–00:08:21] depreciation [semak: uncertain words] [00:08:21–00:08:23] amortization pun kat sini. Tak apalah. Itu dah [semak: uncertain words] [00:08:23–00:08:25] kisah lain. EBIT, EBITDA bagai apa semua tu [semak: uncertain words] [00:08:25–00:08:27] tak payah. Ajar lah. Senang cerita [semak: uncertain words] [00:08:27–00:08:29] bila kita dah ambil [00:08:29–00:08:31] keuntungan daripada operasi [00:08:31–00:08:33] campur dengan keuntungan [00:08:33–00:08:35] daripada investment-investment ataupun [00:08:35–00:08:37] tempat-tempat lain. Tolak dengan [00:08:37–00:08:39] loan dapatlah PBT [00:08:39–00:08:41] Profit before tax [00:08:43–00:08:44] Profit [00:08:44–00:08:45] Before [semak: uncertain words] [00:08:45–00:08:46] Tax [semak: uncertain words] [00:08:47–00:08:50] Keuntungan sebelum pembayaran cukai [00:08:50–00:08:51] PBT [00:08:52–00:08:54] GP, OP, PBT [00:08:54–00:08:54] Macam mana hafal? [semak: uncertain words] [00:08:54–00:08:56] GP, OP, PBT [00:08:56–00:08:58] COGS [00:08:59–00:09:00] COGS dah hafal lah [00:09:00–00:09:01] Gross profit, GP [00:09:02–00:09:03] Bila borak dengan member [00:09:03–00:09:04] Guna bahasa macam ni [semak: uncertain words] [00:09:04–00:09:05] Ho, bijak dia macam boy [semak: uncertain words] [00:09:05–00:09:07] Ini kalau buat posting [00:09:07–00:09:07] Kat software ni kan [semak: uncertain words] [00:09:09–00:09:10] Buat posting [00:09:10–00:09:11] Saya punya GP banyak ni [semak: uncertain words] [00:09:11–00:09:12] Ha, memang tak faham lah orang lain [00:09:12–00:09:13] Tapi yang faham tu [00:09:13–00:09:14] Memang faham [00:09:14–00:09:15] Anda adalah [00:09:15–00:09:16] Seasonal entrepreneur [semak: uncertain words] [00:09:16–00:09:17] Okay, PBT pula [semak: uncertain words] [00:09:17–00:09:18] Tolak dengan [00:09:18–00:09:19] Income tax expenses [00:09:19–00:09:21] Kita ambil paling tinggi [semak: uncertain words] [00:09:21–00:09:21] 24% [semak: number or amount] [00:09:22–00:09:23] Company [00:09:23–00:09:24] Dia punya shilling [00:09:24–00:09:25] Maximum dia 24% [semak: number or amount] [00:09:25–00:09:27] Penolakan maximum 24% [semak: number or amount] [00:09:27–00:09:28] So, lepas tolak-tolak-tolak-tolak [00:09:28–00:09:29] 24% [semak: number or amount] [00:09:29–00:09:30] Adalah untuk [00:09:30–00:09:32] itulah [00:09:32–00:09:32] PAT [00:09:32–00:09:33] profit [semak: uncertain words] [00:09:33–00:09:35] after tax [00:09:36–00:09:37] so [semak: uncertain words] [00:09:37–00:09:37] PBT [00:09:37–00:09:38] before [00:09:38–00:09:39] PAT [semak: uncertain words] [00:09:39–00:09:39] after [00:09:39–00:09:42] katalah company tu nak go [00:09:42–00:09:42] investment [00:09:42–00:09:43] dia nak [00:09:43–00:09:44] buat valuation [00:09:44–00:09:45] biasa kita tengok PAT [00:09:45–00:09:47] eh berapa awak punya PAT [00:09:47–00:09:48] profit after tax [00:09:48–00:09:49] oh profit saya [00:09:49–00:09:49] after tax [00:09:49–00:09:50] saya [00:09:50–00:09:52] coach Adib [semak: uncertain words] [00:09:52–00:09:53] dalam sekitar [00:09:53–00:09:54] Alhamdulillah [00:09:54–00:09:55] RM500,000 [semak: number or amount] [00:09:55–00:09:56] saya punya PAT [00:09:56–00:09:58] adalah RM500,000 [semak: number or amount] [00:09:58–00:09:59] ok [00:09:59–00:09:59] mantap-mantap [00:09:59–00:10:01] So saya nak beli company awak ni [semak: uncertain words] [00:10:01–00:10:03] Saya darap dengan 3X je lah [semak: uncertain words, number or amount] [00:10:03–00:10:04] Itu dah habis generous lah [00:10:04–00:10:05] Saya darap dengan 2X [semak: number or amount] [00:10:05–00:10:07] 2X PE [semak: number or amount] [00:10:07–00:10:08] PE ni price ending ratio [semak: uncertain words] [00:10:08–00:10:10] Maksudnya untung bersih selepas tolak teks [00:10:10–00:10:11] So saya value dengan company awak [semak: uncertain words] [00:10:11–00:10:13] Adalah RM 1 juta [semak: uncertain words, number or amount] [00:10:14–00:10:15] Post valuation [00:10:16–00:10:18] Saya nak beli 20% [semak: number or amount] [00:10:19–00:10:22] So saya nak beli 20% company awak [semak: number or amount] [00:10:23–00:10:24] Daripada company anda [00:10:24–00:10:25] Daripada 20% [semak: number or amount] [00:10:25–00:10:28] Jadi saya akan bayar RM 200k [semak: number or amount] [00:10:28–00:10:29] Macam setuju tak? [00:10:29–00:10:31] Saya nak beli 200k, 20%. [semak: uncertain words, number or amount] [00:10:31–00:10:34] Setuju? Akad nikah, pak. [00:10:34–00:10:38] Dengan ini aku terima share-nya dengan dia RM200,000 untuk 20%. [semak: uncertain words, number or amount] [00:10:38–00:10:42] Untuk post valuation RM100 juta, tunai. [semak: number or amount] [00:10:42–00:10:42] Haa, contohnya. [semak: uncertain words] [00:10:43–00:10:44] Sebab tu, PAT ni penting. [semak: uncertain words] [00:10:44–00:10:49] Bila nak dapatkan loan, nak dapatkan investor, nak dapatkan apa-apa, dia tengok PAT. [00:10:50–00:10:52] Ini semua boleh beli dekat SSM. [00:10:52–00:10:53] Belilah dekat SSM. [00:10:53–00:10:57] Harga dia dalam RM40, RM30, RM60 macam tu lah. [semak: number or amount] [00:10:57–00:10:59] Kita boleh tengok setiap company. [00:10:59–00:11:01] Sebab data ni dia public [00:11:01–00:11:02] Publicly available [semak: uncertain words] [00:11:02–00:11:04] Kita boleh tengok PAT [00:11:04–00:11:05] Sebab tu dah kadang-kadang [00:11:05–00:11:07] PAT ni orang sembunyi kan [00:11:07–00:11:09] Bila kita ada investor [00:11:10–00:11:13] Biasanya kita kadang-kadang [00:11:13–00:11:15] Ter-sabotage company sendiri [semak: uncertain words] [00:11:15–00:11:16] Kita tak nak declare profit tinggi [00:11:16–00:11:18] Kita akan naikkan gaji owner [00:11:18–00:11:19] Naikkan claim apa semua [00:11:19–00:11:21] Dekat kita punya ni [00:11:21–00:11:21] OPEX ni [00:11:21–00:11:23] Sebab kita nak kurangkan OP [00:11:23–00:11:24] Kita nak kurangkan profit [00:11:24–00:11:27] Kita akan naikkan gaji owner [00:11:27–00:11:28] Gaji berbagai apa semua [00:11:28–00:11:28] Sampai eh [00:11:28–00:11:29] Untung sikit je [semak: uncertain words] [00:11:29–00:11:30] Haa sorry lah [semak: uncertain words] [00:11:30–00:11:32] Kita tak untung sangat hari tu [semak: uncertain words] [00:11:32–00:11:34] Cek wah padahal dah korek-korek sana sini apa semua [semak: uncertain words] [00:11:34–00:11:36] Lepas tu sebab apa [00:11:36–00:11:37] Tak nak bayar sleeping investor [semak: uncertain words] [00:11:37–00:11:38] Sebab tu lah sleeping investor [00:11:38–00:11:39] Jangan lebih 20% [semak: number or amount] [00:11:40–00:11:40] Haa [00:11:40–00:11:42] Sebab kalau berlebih daripada 20% [semak: number or amount] [00:11:42–00:11:44] Kita pula ralat nak bayar dividend dia [semak: uncertain words] [00:11:44–00:11:45] Dia lah tak buat apa [00:11:45–00:11:46] Dia dah lah tidur je kerja dia [00:11:46–00:11:47] Sleeping investor [semak: uncertain words] [00:11:47–00:11:48] Macam tu lah [00:11:48–00:11:49] So [00:11:49–00:11:50] Revenue seoji lah [semak: uncertain words] [00:11:50–00:11:51] Kena perfect effect [semak: uncertain words] [00:11:51–00:11:51] Haa nampak [semak: uncertain words] [00:11:51–00:11:53] Okay dalam dunia account [semak: uncertain words] [00:11:54–00:11:55] Kurungan ni maksudnya negatif [00:11:55–00:11:57] Haa kalau kita kita buat negatif macam ni kan [semak: uncertain words] [00:11:57–00:11:58] Tapi dalam dunia account [00:11:58–00:12:00] bila dia buat bracket-bracket [00:12:00–00:12:01] maksudnya tu tolak [semak: uncertain words] [00:12:01–00:12:02] kalau anda beli [semak: uncertain words] [00:12:02–00:12:03] annual report [00:12:03–00:12:06] beli audited annual report [00:12:06–00:12:07] dekat data SSM tu [00:12:07–00:12:07] dia akan buat [00:12:07–00:12:09] berapa revenue [00:12:09–00:12:10] kurungan [00:12:10–00:12:11] tak ada kurungan [00:12:11–00:12:12] ada kurungan [00:12:12–00:12:13] itu maksudnya tolak lah [00:12:13–00:12:14] so dalam kes ni [00:12:14–00:12:15] RM4,000 tolak [semak: number or amount] [00:12:15–00:12:16] RM10,000 tolak RM4,000 [semak: number or amount] [00:12:16–00:12:17] dapat RM6,000 [semak: number or amount] [00:12:18–00:12:18] RM6,000 pula [semak: number or amount] [00:12:18–00:12:19] tolak dengan OPEC [semak: uncertain words] [00:12:19–00:12:20] dapat RM3,500 [semak: number or amount] [00:12:20–00:12:21] eh [00:12:21–00:12:22] tolak dengan RM3,500 [semak: number or amount] [00:12:22–00:12:23] dapat RM2,500 [semak: uncertain words, number or amount] [00:12:23–00:12:23] macam tu lah [00:12:23–00:12:24] PBT dia adalah [00:12:24–00:12:25] RM2,500 [semak: number or amount] [00:12:25–00:12:26] macam [00:12:26–00:12:27] contoh dia nak [semak: uncertain words] [00:12:27–00:12:28] retainer client [00:12:28–00:12:29] dia ada client yang bayar dia [semak: uncertain words] [00:12:29–00:12:31] RM1530 client [semak: number or amount] [00:12:31–00:12:32] RM45,000 [semak: number or amount] [00:12:32–00:12:33] dia punya COGS [00:12:33–00:12:34] maksudnya [00:12:34–00:12:34] cost nak deliver [semak: uncertain words] [00:12:34–00:12:35] product tersebut [00:12:35–00:12:36] service tersebut [00:12:36–00:12:37] oh RM18,000 [semak: uncertain words, number or amount] [00:12:37–00:12:38] tolak RM18,000 [semak: number or amount] [00:12:38–00:12:38] ada GP [00:12:38–00:12:40] gross profit untung kasar dia [00:12:40–00:12:41] RM27,000 [semak: number or amount] [00:12:41–00:12:42] berapa operasi dia [00:12:42–00:12:44] oh ok operasi dia tak banyak [00:12:44–00:12:45] maksudnya staff dia tak ramai ni [00:12:45–00:12:47] OPEX dia rendah je RM15,000 [semak: number or amount] [00:12:47–00:12:49] tolak oh ada untung RM10,000 [semak: number or amount] [00:12:49–00:12:49] eh ok lah [00:12:49–00:12:51] kan level-level business macam ni [semak: uncertain words] [00:12:51–00:12:52] ni gaji [00:12:52–00:12:52] bos ambil berapa [semak: uncertain words] [00:12:52–00:12:53] mungkin ambil RM5,000 [semak: number or amount] [00:12:53–00:12:54] mungkin ambil RM6,000 [semak: number or amount] [00:12:54–00:12:56] staff adalah seorang dua [00:12:56–00:12:56] so maksudnya [00:12:56–00:12:57] kita dah boleh [00:12:57–00:12:59] teka-teka dah. Finance cost. [00:12:59–00:13:01] Maksudnya dia dah ambil loan ni. Ni ambil loan bank [semak: uncertain words] [00:13:01–00:13:03] ke apa ke. Bayar RM1,200 setiap [semak: uncertain words, number or amount] [00:13:03–00:13:05] bulan. Ini tak sure lah. [00:13:06–00:13:07] Ini bulanan. Ini PNL bulanan. [00:13:07–00:13:09] Maksudnya ini adalah setiap bulan dia bayar [00:13:09–00:13:11] RM1,200. Maka ada untung [semak: number or amount] [00:13:11–00:13:12] PBT. [00:13:13–00:13:15] RM10,000. Faham tak? Macam? [semak: number or amount] [00:13:15–00:13:17] Bijak tak anda sekarang? Tahniah kerana [00:13:17–00:13:19] beli panduan ni. Sebarkan lah pada kawan-kawan. [00:13:20–00:13:21] Yang mana ni tak tengok lagi tengok lah. [00:13:21–00:13:23] Adik ni orang sale. Tiba-tiba jadi check-go account. [00:13:24–00:13:25] Sebab saya berdendam. [00:13:25–00:13:27] Berdendam dengan diri saya sendiri. So, saya [00:13:27–00:13:29] berikrah untuk sebarkan ilmu [00:13:29–00:13:31] finance ni kepada seramai mungkin orang. [00:13:31–00:13:33] Sudah, lagi ramai usahawan. Melayu [00:13:33–00:13:35] especially, tak kisahlah. Cina, India pun saya [00:13:35–00:13:37] okay je. Seramai mungkin [semak: uncertain words] [00:13:37–00:13:39] usahawan Malaysia, especially [00:13:39–00:13:41] Melayu lah, bangsa saya sendiri [00:13:41–00:13:43] yang celik account. [semak: uncertain words] [00:13:44–00:13:45] Eh, orang [semak: uncertain words] [00:13:45–00:13:46] Melayu ni power marketing. [00:13:47–00:13:48] Tapi buat account finance ni [semak: uncertain words] [00:13:48–00:13:51] bodoh sikit. Tapi saya perasan [00:13:51–00:13:53] usahawan Chinese. Dia [00:13:53–00:13:55] bijak kat bahagian account. Bahagian [00:13:55–00:13:57] struktur, bahagian corporate governance. [00:13:57–00:13:59] Tapi dia tak adalah power sangat dekat marketing. [semak: uncertain words] [00:13:59–00:14:03] Sebenarnya usahawan Melayu ni, bukanlah kita nak cakap buruk, bukan guys. [00:14:03–00:14:08] Tapi kita tengok by, kita panggil culture community intelligence. [00:14:08–00:14:13] Community usahawan Melayu sangat, sangat bijak dekat marketing. [00:14:13–00:14:15] Tapi kurang bijak dekat finance. [00:14:16–00:14:21] Tapi community usahawan Chinese, dia lebih tekankan tentang structure, pengurusan duit. [00:14:21–00:14:23] Sebab daripada kecil memang dia ajar uruskan duit. [00:14:24–00:14:25] financial [semak: uncertain words] [00:14:25–00:14:26] apa lah [semak: uncertain words] [00:14:26–00:14:27] financial intelligence [00:14:27–00:14:27] nampaknya [semak: uncertain words] [00:14:27–00:14:29] financial literacy tinggi [00:14:29–00:14:30] kebijaksanaan kewangan [00:14:30–00:14:31] jadi that's why [00:14:31–00:14:32] tolong sebar kan [00:14:32–00:14:33] tutorial ni kalau anda [00:14:33–00:14:33] sederhana bagus [semak: uncertain words] [00:14:33–00:14:35] paksa member sebelah [00:14:35–00:14:35] beli [00:14:35–00:14:36] pada muka dia [semak: uncertain words] [00:14:36–00:14:37] jumpa dalam tutorial yang [semak: uncertain words] [00:14:37–00:14:38] seterusnya [00:14:38–00:14:39] topik yang seterusnya