Profit Allocation
Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa.

[00:00:00–00:00:22] Profit Allocation. Profit yang ada ni nak letak kat mana? Lepas dah untung banyak-banyak, duit tu kena pernah jaga. That's why kita nak ajar A, B, C, D. A adalah Operate, B Account Tax, C Reserve, D Dividend. Maksudnya, kita buat multiple account. Bayangkan eh, kita buat 4 bank account berbeza. Account A untuk duit keluar masuk-keluar masuk, bayar gaji staff, COGS, OPEX dan sebagainya. [semak: uncertain words, number or amount]

[00:00:22–00:00:24] Lepas dah dapat untung

[00:00:25–00:00:26] Untung tu

[00:00:26–00:00:29] Kita alihkan 24% [semak: uncertain words, number or amount]

[00:00:29–00:00:30] Letak dah 25% [semak: number or amount]

[00:00:30–00:00:32] Ini paling tinggi dah 25% [semak: uncertain words, number or amount]

[00:00:32–00:00:34] 25% alihkan dekat tax [semak: number or amount]

[00:00:34–00:00:36] Maksudnya kita dah asingkan setiap kali ada untung

[00:00:36–00:00:38] Katalah ada untung 10,000 [semak: uncertain words, number or amount]

[00:00:38–00:00:40] Alih 2,500 masuk tax [semak: number or amount]

[00:00:40–00:00:42] Lepas tu tinggal baki 7,500 [semak: number or amount]

[00:00:42–00:00:45] 7,500 tu pula pecah 2 [semak: number or amount]

[00:00:46–00:00:48] 30% pergi dekat cash reserve [semak: number or amount]

[00:00:49–00:00:51] 70% pergi dekat dividend [semak: number or amount]

[00:00:52–00:00:56] Bayangkan ni Maybank, CIMB, RHB, Bank Islam. [semak: uncertain words]

[00:00:56–00:00:57] Oh, lama. [semak: uncertain words]

[00:00:57–00:00:58] Dividend letak Bank Islam.

[00:00:58–00:00:59] Oh, suci sikit duit tu.

[00:01:00–00:01:01] Wangi je bila keluar kat bank account tu.

[00:01:02–00:01:02] Oh, wangi.

[00:01:03–00:01:03] Dan macam eh. [semak: uncertain words]

[00:01:04–00:01:06] So, kenapa kita nak letak 30%? [semak: number or amount]

[00:01:07–00:01:09] Sebab tak adalah rasa bersalah sangat bila kita ambil duit syarikat.

[00:01:10–00:01:11] Kita nak rompak cara halal.

[00:01:11–00:01:12] Ni cara halal lah.

[00:01:12–00:01:13] So, kita asingkan dekat TED. [semak: uncertain words]

[00:01:13–00:01:14] Langsung tak kacau.

[00:01:15–00:01:17] Lepas tu, alihkan dekat cash reserve.

[00:01:17–00:01:18] Cash reserve ni sentiasa bertambah. [semak: uncertain words]

[00:01:19–00:01:19] Sampai bila-bila.

[00:01:20–00:01:22] katalah kita dah bertambah jadi RM100,000 [semak: uncertain words, number or amount]

[00:01:22–00:01:24] biar je lah, sampai cukup 3 bulan [semak: number or amount]

[00:01:24–00:01:26] lebih dah cukup 3 bulan, cash reserve [semak: uncertain words, number or amount]

[00:01:26–00:01:28] bertambah lagi, so duit tu pula kita akan guna

[00:01:28–00:01:29] untuk reinvest balik pada company, tambah [semak: uncertain words]

[00:01:29–00:01:32] equipment ke, beli laptop, beli asset ke apa ke [semak: uncertain words]

[00:01:32–00:01:34] macam itulah, tapi kita tak nak [semak: uncertain words]

[00:01:34–00:01:35] guna duit cash reserve ni cepat sangat, kita nak

[00:01:35–00:01:38] biar dia cukup at least 3 bulan ke 6 bulan [semak: number or amount]

[00:01:38–00:01:39] maksimum daripada

[00:01:40–00:01:41] OPEX operational cost, katalah OPEX [semak: uncertain words]

[00:01:41–00:01:43] kita adalah RM20,000, darab dengan 3 bulan [semak: number or amount]

[00:01:43–00:01:46] RM60,000, itulah cash reserve yang kena [semak: number or amount]

[00:01:46–00:01:47] ada, ok contoh macam

[00:01:47–00:01:49] Macam inilah. Kita punya PBT RM100,000. [semak: uncertain words, number or amount]

[00:01:50–00:01:51] Tolaklah dengan TAT 25. [semak: uncertain words, number or amount]

[00:01:51–00:01:53] Tinggal RM75,000. Okey, lepas tu pecah 2. [semak: uncertain words, number or amount]

[00:01:54–00:01:54] Pecah 2. [semak: number or amount]

[00:01:55–00:01:57] So, 30% daripada RM75,000 [semak: number or amount]

[00:01:57–00:01:59] pergi dekat sini. Kita punya

[00:02:01–00:02:02] cash reserve.

[00:02:02–00:02:03] Lagi 70% [semak: number or amount]

[00:02:03–00:02:05] pergi dekat sini. RM52,500 [semak: number or amount]

[00:02:05–00:02:07] pergi dekat dividend. Dividend ni pula [semak: uncertain words]

[00:02:07–00:02:09] kita hold selama 3 bulan. [semak: uncertain words, number or amount]

[00:02:09–00:02:11] Lepas tu baru kita release. Tak adalah kita ambil [semak: uncertain words]

[00:02:11–00:02:13] setiap bulan. Macam glojo sangat pula kan.

[00:02:15–00:02:15] Essential

[00:02:15–00:02:17] cash commitment sebulan. Contohlah. Kita

[00:02:17–00:02:19] nak tengok reserve dah cukup ke belum

[00:02:19–00:02:21] contohnya kita nak kena commitment

[00:02:21–00:02:23] OPEX kita RM40,000 [semak: number or amount]

[00:02:23–00:02:25] so kalau kata kita punya OPEX

[00:02:25–00:02:27] operational expenses kita, OPEX kita

[00:02:27–00:02:28] RM40,000 [semak: number or amount]

[00:02:29–00:02:31] saya letak kat sini, OPEX [semak: uncertain words]

[00:02:32–00:02:33] target 6 bulan [semak: number or amount]

[00:02:33–00:02:35] RM40,000, so kena ada [semak: number or amount]

[00:02:35–00:02:37] RM240,000 dalam [semak: number or amount]

[00:02:37–00:02:39] tanki reserve, C

[00:02:39–00:02:40] cash reserve

[00:02:40–00:02:42] once dah cukup

[00:02:42–00:02:44] reserve sebelum allocation

[00:02:44–00:02:46] reserve sebelum allocation [semak: uncertain words]

[00:02:47–00:02:48] Tambah allocation C

[00:02:49–00:02:50] RM230,000 [semak: number or amount]

[00:02:52–00:02:53] Tambah allocation C

[00:02:53–00:02:54] RM225,000 [semak: number or amount]

[00:02:54–00:02:56] Ni apa pula reserve selepas allocation ni [semak: uncertain words]

[00:02:56–00:02:58] Reserve selepas allocation

[00:02:58–00:02:59] Lebihan atas target

[00:03:00–00:03:02] Saya pun tak faham ke apa benda ni [semak: uncertain words]

[00:03:02–00:03:04] Tapi lebihan lebihan boleh nilai untuk expenser [semak: uncertain words]

[00:03:04–00:03:05] Jangan terus habiskan reserve

[00:03:07–00:03:08] Ini allocation apa [semak: uncertain words]

[00:03:08–00:03:10] Mungkin adalah benda-benda yang kita nak allocate

[00:03:10–00:03:13] Untuk beli barang ke apa ke

[00:03:13–00:03:14] Kita dah target [semak: uncertain words]

[00:03:14–00:03:16] saya nak allocatekan [semak: uncertain words]

[00:03:18–00:03:19] berapa nilai ni?

[00:03:19–00:03:20] RM22,000 ni [semak: number or amount]

[00:03:20–00:03:22] untuk beli something.

[00:03:22–00:03:24] So kita nak target dalam bank account kita [semak: uncertain words]

[00:03:24–00:03:25] dekat C ada RM252. [semak: number or amount]

[00:03:26–00:03:27] So saya boleh layak

[00:03:28–00:03:29] beli benda lah ni.

[00:03:29–00:03:30] Contohnya macam tu lah.

[00:03:30–00:03:32] Sebab tu bank account yang C ni

[00:03:32–00:03:32] dia tak ada rule sangat.

[00:03:33–00:03:33] Yang penting

[00:03:33–00:03:35] cukup tak 3 bulan? [semak: number or amount]

[00:03:35–00:03:35] Cukup.

[00:03:35–00:03:36] Lebih daripada tu

[00:03:36–00:03:37] kita simpan lagi 30% [semak: number or amount]

[00:03:37–00:03:39] tapi lebih tu dah boleh digunakan balik.

[00:03:39–00:03:41] Tapi jangan bagi kat investor [semak: uncertain words]

[00:03:41–00:03:41] rugi lah.

[00:03:42–00:03:42] Kita nak

[00:03:42–00:03:45] bagi pada company balik, maksudnya upgrade lah

[00:03:45–00:03:47] apa-apa benda pasal company, tukar tong sampah

[00:03:47–00:03:49] ke, tukar whiteboard ke apa ke kan [semak: uncertain words]

[00:03:49–00:03:50] yang penting invest balik pada company [semak: uncertain words]

[00:03:50–00:03:53] jadi adil, investor happy

[00:03:53–00:03:55] kita boleh declare profit tinggi

[00:03:55–00:03:57] bank pun happy nak bagi loan, investor pun [semak: uncertain words]

[00:03:57–00:03:59] happy nak beli, kalau in case of emergency

[00:03:59–00:04:00] cash register pun happy [semak: uncertain words]

[00:04:00–00:04:03] cash register pun healthy, bila kita buat test

[00:04:03–00:04:04] solvency test

[00:04:04–00:04:07] untuk kita nak release dividend tu, 3 bulan [semak: number or amount]

[00:04:07–00:04:08] sekali, dia ada syarat-syarat dia

[00:04:09–00:04:10] pun selamat, tak ada isu

[00:04:10–00:04:12] Ok, kita pergi pada video yang [semak: uncertain words]