Financial Statements Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:16] Financial Statement. Setiap syarikat kena ada 3 statement wajib. Dan bila anda belajar pasal benda ni, anda telah menjadi entrepreneur yang bertanggungjawab terhadap kebajikan syarikat. Sebab apa? 3 benda. [semak: uncertain words, number or amount] [00:00:16–00:00:18] First adalah P&L [semak: uncertain words] [00:00:18–00:00:18] Kita dah belajar tadi [semak: uncertain words] [00:00:18–00:00:19] P&L [00:00:19–00:00:20] Kita bahasa dengar [semak: uncertain words] [00:00:20–00:00:21] P&L untung rugi-untung rugi [00:00:21–00:00:23] Cara-kiranya tadi itulah [semak: uncertain words] [00:00:23–00:00:23] Revenue [00:00:23–00:00:26] Tolak dengan COGS [00:00:26–00:00:27] Tolak pula dengan [00:00:31–00:00:31] OPEX [00:00:31–00:00:32] Dapatlah [00:00:33–00:00:33] Profit [00:00:33–00:00:34] Situ je [semak: uncertain words] [00:00:34–00:00:35] Simple je [00:00:36–00:00:37] Ataupun sale [semak: uncertain words] [00:00:37–00:00:38] Tolak cost [00:00:38–00:00:38] COGS [00:00:38–00:00:39] Tolak OPEX [00:00:39–00:00:40] Dapat profit [00:00:40–00:00:40] Dah [00:00:40–00:00:41] Tap tap tap [semak: uncertain words] [00:00:41–00:00:43] Itu P&L [00:00:43–00:00:43] Senang [00:00:43–00:00:44] Tapi P&L ni [00:00:44–00:00:46] Dia tak menunjukkan [00:00:46–00:00:47] Situasi sebenar bisnes [00:00:49–00:00:51] Company jarang gagal sebab tak untung [semak: uncertain words] [00:00:52–00:00:54] Company gagal sebab duit habis [semak: uncertain words] [00:00:58–00:01:00] Company PNR negatif pun [00:01:00–00:01:02] Tapi still boleh bertahan [semak: uncertain words] [00:01:02–00:01:02] Kenapa? [00:01:02–00:01:04] Sebab duit masih ada [00:01:04–00:01:05] Dan pada mana datang duit tu? [semak: uncertain words] [00:01:05–00:01:06] Ada loan daripada bank RM200,000 [semak: number or amount] [00:01:06–00:01:07] Still boleh bertahan [00:01:07–00:01:09] Sebab kadang-kadang [00:01:09–00:01:11] Bulan pertama, bulan kedua, bulan ketiga [00:01:11–00:01:12] Memanglah negatif [00:01:12–00:01:14] Sebab dia baru nak dapat momentum [00:01:14–00:01:15] Kapal terbang baru nak [00:01:17–00:01:18] Terbang [00:01:19–00:01:21] So, bila dia baru nak terbang tu [00:01:22–00:01:23] Mestilah negatif sekejap [00:01:23–00:01:24] 3 bulan pertama [semak: number or amount] [00:01:24–00:01:26] Tapi takkanlah sampai 9 bulan negatif lagi [semak: number or amount] [00:01:26–00:01:28] Sampailah habis cash dia [00:01:28–00:01:30] Jadi, cash flow statement ni adalah [00:01:30–00:01:32] Cash kita ada berapa [00:01:32–00:01:33] Dia macam screenshot [00:01:33–00:01:35] Bulan 3, cuba screenshot je [semak: number or amount] [00:01:35–00:01:36] Bank account, duit ada berapa [semak: uncertain words] [00:01:36–00:01:37] Itulah cash flow statement [00:01:37–00:01:39] Oh, ada RM200,000 [semak: number or amount] [00:01:40–00:01:42] Next pula, balance sheet [00:01:42–00:01:43] Balance sheet ni pula [semak: uncertain words] [00:01:43–00:01:45] Company ada hutang apa-apa tak? [00:01:45–00:01:48] Dia liability, equity [00:01:49–00:01:50] Dia melibatkan [semak: uncertain words] [00:01:50–00:01:51] Adalah equation dia [00:01:51–00:01:54] So kita nak study, kita akan belajar [00:01:54–00:01:55] Pasal benda ni, tiga-tiga ni, misalnya kita [semak: uncertain words] [00:01:55–00:01:56] P&L nak tahu [semak: uncertain words] [00:01:58–00:02:00] Produk kita ni, yang kita jual pada customer ni [semak: uncertain words] [00:02:00–00:02:00] Untung kerugi [00:02:01–00:02:03] Cash flow, nak tahu company ada duit ke tak [semak: uncertain words] [00:02:04–00:02:06] Ke dah negatif, teruk sangat [semak: uncertain words] [00:02:06–00:02:08] Balance sheet, nak tahu kita ada hutang orang tak [00:02:08–00:02:10] Ke duit ni semua adalah duit shareholder [00:02:10–00:02:12] Berapa asset kita, berapa account [00:02:12–00:02:13] Receivable, account payable [00:02:14–00:02:16] Balance sheet ni antara paling mencabar [semak: uncertain words] [00:02:16–00:02:18] Tapi kejap lagi mungkin akan faham lah bila tengok [semak: uncertain words] [00:02:18–00:02:20] Okay balance sheet dulu [semak: uncertain words] [00:02:20–00:02:21] Kita pergi yang paling susah [00:02:21–00:02:24] Ini adalah formula account asset equal liability [semak: uncertain words] [00:02:24–00:02:25] Plus equity [semak: uncertain words] [00:02:26–00:02:28] Asset ni adalah apa [00:02:28–00:02:30] Asset adalah nilai [00:02:30–00:02:31] Benda yang bernilai [00:02:31–00:02:33] Company ada asset, berapa asset company [00:02:33–00:02:35] Oh kita ada RM300,000 [semak: number or amount] [00:02:35–00:02:36] Eh RM300,000? Yes [semak: number or amount] [00:02:36–00:02:40] RM300,000 setelah kita ambil [semak: number or amount] [00:02:43–00:02:44] Liability [semak: uncertain words] [00:02:44–00:02:44] Liability company [semak: uncertain words] [00:02:44–00:02:46] Company ada apa-apa liability tak? [semak: uncertain words] [00:02:46–00:02:47] Tak ada [semak: uncertain words] [00:02:47–00:02:48] Kalau ada kena tolak lah [semak: uncertain words] [00:02:49–00:02:50] Equity [00:02:50–00:02:52] Berapa equity kita? [00:02:52–00:02:53] So itu adalah asset [semak: uncertain words] [00:02:53–00:02:57] Kita tengok [semak: uncertain words] [00:02:57–00:02:57] Asset adalah resources [semak: uncertain words] [00:02:57–00:02:59] Liability adalah obligation [00:02:59–00:03:00] Wajib bayar [00:03:00–00:03:02] Equity adalah baki hak milik pemilik [00:03:03–00:03:04] Asset [00:03:04–00:03:05] Cash [00:03:05–00:03:06] Receivable [00:03:06–00:03:07] Deposit equipment [00:03:07–00:03:08] Ni lah asset [semak: uncertain words] [00:03:08–00:03:10] Benda-benda yang kita boleh dapat balik [00:03:10–00:03:11] Contohnya deposit office [00:03:11–00:03:13] Contohnya kita ada beli equipment [00:03:14–00:03:15] Lepas dia dah depreciate [00:03:15–00:03:16] Lepas dia dah susut nilai [semak: uncertain words] [00:03:16–00:03:19] Contoh kita ada receivable [semak: uncertain words] [00:03:19–00:03:20] Maksudnya invoice dah keluar [00:03:20–00:03:21] Tapi tak collect lagi [semak: uncertain words] [00:03:21–00:03:22] Customer hutang kita [00:03:22–00:03:23] Ataupun duit cash dalam account bank [00:03:23–00:03:24] Itu semua asset [00:03:24–00:03:25] Liability equity pula adalah [00:03:25–00:03:26] Contoh kita ada buat loan [00:03:26–00:03:28] Loan ni semua adalah [00:03:29–00:03:29] Liability [00:03:30–00:03:30] Payable [00:03:30–00:03:32] Kita nak kena bayar vendor [00:03:32–00:03:33] Kita nak kena bayar nanti [00:03:33–00:03:35] Ada kredit yang kita nak kena bayar balik [00:03:35–00:03:36] Itu semua liability [00:03:37–00:03:38] Tax payable [00:03:38–00:03:38] Kita nak kena bayar tax [00:03:38–00:03:39] Itu semua liability [00:03:39–00:03:41] Equity pula adalah [00:03:41–00:03:45] Pay up capital, return earning, untung yang kita simpan. [semak: uncertain words] [00:03:45–00:03:47] Contohnya kita ada simpan untung tahun lepas. [00:03:47–00:03:48] Kita bawa ke tahun depan. [00:03:48–00:03:49] Itu adalah return earning. [00:03:50–00:03:56] Earning ni adalah hasil. [00:03:57–00:03:57] Pemilikan. [00:03:59–00:03:59] Pendapatan. [00:04:01–00:04:05] Earning ni adalah pendapatan syarikat. [00:04:06–00:04:06] Untung bersih. [00:04:08–00:04:09] Kita ada untung bersih tahun lepas sejuta. [semak: uncertain words] [00:04:09–00:04:11] Kita bawa ke tahun depan. [00:04:11–00:04:14] So, kita ada retained earning 1 juta bertahun lepas bawa ke tahun ni. [semak: uncertain words, number or amount] [00:04:14–00:04:17] Kita ada paid up capital RM500,000 daripada business owner. [semak: number or amount] [00:04:18–00:04:19] Daripada shareholder. [00:04:19–00:04:20] So, ada RM1.5 juta. [semak: number or amount] [00:04:21–00:04:21] Dia macam tu lah. [00:04:22–00:04:25] So, kita tengok yang selanjutnya. [00:04:25–00:04:26] Ada tak kat sini? [00:04:27–00:04:29] Saya nak buka ni lah. [00:04:29–00:04:31] Balance sheet punya image. [00:04:32–00:04:33] Mungkin image ni lebih faham kot. [00:04:34–00:04:36] Balance sheet formula. [00:04:39–00:04:39] Jom tengok. [00:04:39–00:04:40] Okay [semak: uncertain words] [00:04:42–00:04:43] Balance sheet formula [semak: uncertain words] [00:04:43–00:04:44] Haa ni [00:04:45–00:04:46] Nampak tak? [semak: uncertain words] [00:04:47–00:04:48] Allah [00:04:48–00:04:49] Tak pernah nampak [00:04:53–00:04:55] Balance sheet [00:04:55–00:04:56] Balance sheet [semak: uncertain words] [00:04:56–00:04:56] Balance sheet [semak: uncertain words] [00:04:56–00:04:57] Haa ni ni ni [00:04:57–00:04:58] Haa macam ni [semak: uncertain words] [00:05:00–00:05:00] Okay [00:05:00–00:05:01] Haa ni [00:05:01–00:05:01] Nampak [00:05:02–00:05:03] Jom [semak: uncertain words] [00:05:03–00:05:03] Tengok [00:05:06–00:05:07] Okay [00:05:07–00:05:08] So [00:05:09–00:05:10] Kita ada asset [00:05:10–00:05:12] Duit cash dalam company ada RM9,000 [semak: number or amount] [00:05:12–00:05:13] Bayangkan ni bukan USD [00:05:13–00:05:14] Ni adalah ringgit [semak: uncertain words] [00:05:14–00:05:15] RM9,500 [semak: number or amount] [00:05:15–00:05:16] Equipment [00:05:16–00:05:18] Kita ada beli laptop dan sebagainya RM5,000 [semak: number or amount] [00:05:18–00:05:20] Kita ada inventory [00:05:20–00:05:22] Inventory ni adalah stok-stok yang belum dipakai [00:05:22–00:05:24] Contoh kita dah beli, kita jual produk lah [00:05:24–00:05:25] Kita ada satu stok bahan ni [00:05:25–00:05:26] Yang kita boleh jual balik pada customer [semak: uncertain words] [00:05:26–00:05:28] So itu pun adalah asset kita juga [semak: uncertain words] [00:05:28–00:05:30] Kita ada account receivable, AR [00:05:31–00:05:32] Maksudnya invoice dah keluar [00:05:32–00:05:33] Tapi duit tak collect lagi [00:05:33–00:05:35] So total asset kita [00:05:35–00:05:37] Duit yang boleh dicairkan [00:05:37–00:05:39] Sebab duit ni memang dah dicairkan pun [00:05:39–00:05:40] Tapi yang lain-lain ni boleh dicairkan [00:05:40–00:05:41] Jadilah bentuk duit [00:05:41–00:05:43] Sementara asset adalah RM49,500 [semak: uncertain words, number or amount] [00:05:43–00:05:44] Itu sebelah kiri [00:05:44–00:05:46] Kenapa nama dia balance? [00:05:46–00:05:48] Sebab kita nak balancekan dia dengan sebelah kanan [00:05:48–00:05:49] Sebab itu memang formula dia [00:05:49–00:05:51] Ok, liability pula [semak: uncertain words] [00:05:52–00:05:53] Liability kita berapa? [00:05:53–00:05:56] Berapa banyak hutang yang company kena tanggung [00:05:56–00:05:57] Ok, kita mengkira [semak: uncertain words] [00:05:57–00:05:59] Oh, kita kena bayar supplier [00:05:59–00:06:01] Eh, ada lah supplier ni tak bayar lagi [semak: uncertain words] [00:06:01–00:06:02] Rp21,000 [semak: number or amount] [00:06:02–00:06:04] Ok, alamak ada hutang credit card [semak: uncertain words] [00:06:04–00:06:05] Rp5,200 [semak: number or amount] [00:06:06–00:06:08] Loan dengan bank tak ada dah [00:06:08–00:06:10] So, kita ada hutang ataupun liability [00:06:10–00:06:12] Sebanyak Rp27,000 [semak: number or amount] [00:06:12–00:06:14] Dan duit owner [00:06:14–00:06:16] Duit modal business owner [00:06:16–00:06:17] Yang kita panggil pay up capital [semak: uncertain words] [00:06:17–00:06:18] Dah masuk RM22,500 [semak: number or amount] [00:06:18–00:06:20] So sepatutnya [semak: uncertain words] [00:06:20–00:06:21] Balance sheet ni [semak: uncertain words] [00:06:21–00:06:21] Kena balance [semak: uncertain words] [00:06:21–00:06:24] So inilah formula sebenar [00:06:24–00:06:24] Jadi kita tahu [00:06:25–00:06:26] Betul-betul-betul [00:06:26–00:06:27] Itu kan aku ada modal [semak: uncertain words] [00:06:27–00:06:28] Banyak ni lah modal aku [semak: uncertain words] [00:06:28–00:06:30] Inilah hutang-hutang kita [00:06:30–00:06:31] So dia kena balance [00:06:31–00:06:32] Dengan sebelah [00:06:32–00:06:32] Sebab [00:06:32–00:06:33] Dia macam [semak: uncertain words] [00:06:33–00:06:35] Every action [00:06:35–00:06:37] Must have opposite [00:06:37–00:06:38] And equal reaction [00:06:38–00:06:39] Macam tu lah hebatnya [00:06:39–00:06:40] Kita tolak [00:06:40–00:06:42] Mesti ada benda yang bergerak [00:06:42–00:06:43] Kalau kita tolak ni [00:06:43–00:06:44] Mesti ada benda ni pula bergerak [00:06:44–00:06:44] Dia macam tu lah [00:06:44–00:06:45] Dunia ni [00:06:45–00:06:46] So kalau kita dapat [00:06:46–00:06:47] Duit belah sini [00:06:47–00:06:48] Mana duit tu pergi [semak: uncertain words] [00:06:49–00:06:50] Duit tu kat sini [semak: uncertain words] [00:06:50–00:06:52] Kalau duit tu dah pakai kat sini [00:06:52–00:06:53] Mana duit tu pergi [00:06:53–00:06:53] Mesti ada kat sini [00:06:53–00:06:54] Dia mesti balance [00:06:55–00:06:57] Jadi dalam kes ni contohnya [semak: uncertain words] [00:07:00–00:07:01] Kita beli equipment [00:07:02–00:07:03] Kita beli equipment pula dah [00:07:03–00:07:06] Kita bayar supplier kita RM1000 [semak: number or amount] [00:07:06–00:07:08] So RM1000 hilang kat sini [semak: number or amount] [00:07:10–00:07:11] Tapi dia transfer pula kat sini [00:07:14–00:07:15] Contohnya kat sini [00:07:16–00:07:16] RM9500 [semak: number or amount] [00:07:17–00:07:18] Cash berkurang [00:07:18–00:07:20] Sebab apa? Kita bayar supplier RM1,000 [semak: number or amount] [00:07:20–00:07:22] So kat sini jadi RM48,500 [semak: uncertain words, number or amount] [00:07:23–00:07:24] Apa yang berlaku pula [semak: uncertain words] [00:07:25–00:07:25] Dekat sini [00:07:26–00:07:27] Akan jadi [00:07:27–00:07:29] Liability ni pula akan berkurang [00:07:29–00:07:31] Sebelum ni kita hutang dia RM21,000 [semak: uncertain words, number or amount] [00:07:31–00:07:32] Sebab kita dah bayar RM1,000 [semak: number or amount] [00:07:32–00:07:34] Jadi tinggal RM20,750 [semak: number or amount] [00:07:34–00:07:35] Faham tak? [00:07:36–00:07:37] Duit cash berkurang [00:07:37–00:07:39] Tapi hutang dengan supplier pun berkurang [00:07:39–00:07:40] Sebab dah bayar [00:07:40–00:07:41] Katakanlah [00:07:42–00:07:43] Credit card ni [semak: uncertain words] [00:07:43–00:07:45] Credit card ni saya nak bayar terus [00:07:45–00:07:47] Saya ambil duit cash saya ni [00:07:47–00:07:48] RM5,250 [semak: number or amount] [00:07:49–00:07:50] Saya settlekan terus [semak: uncertain words] [00:07:50–00:07:51] Jadi berkuranglah [00:07:51–00:07:52] Tinggal RM4,000 lebih [semak: uncertain words, number or amount] [00:07:52–00:07:54] Tapi kadi kad saya pun jadi [semak: uncertain words] [00:07:54–00:07:55] Kosong balik [00:07:55–00:07:56] Jadi dia balance [00:07:56–00:07:57] Faham tak? [00:07:57–00:07:59] Itulah benda yang paling power [00:07:59–00:08:00] Bila buat audit [00:08:00–00:08:01] Kita dapat balance sheet [00:08:01–00:08:01] Daripada sini [00:08:01–00:08:02] Law [semak: uncertain words] [00:08:02–00:08:03] Ni [semak: uncertain words] [00:08:03–00:08:04] Contoh kalau awak tengok ni [00:08:04–00:08:05] Office-office saya ni [00:08:05–00:08:06] Saya nak tahu [00:08:06–00:08:07] Berapa banyak aset saya [00:08:07–00:08:08] Ni berapa nilai [00:08:08–00:08:10] Ni semua ni berapa-berapa nilai ni [00:08:10–00:08:11] Berapa banyak yang aku dah beli [00:08:11–00:08:12] Dalam bentuk equipment [00:08:12–00:08:14] Whiteboard [00:08:14–00:08:15] Mesin bagai apa semua ni [00:08:16–00:08:16] Laptop [00:08:16–00:08:19] So kita tahu inilah total equipment kita [semak: uncertain words] [00:08:19–00:08:22] Jadi katakanlah company ada masalah kewangan [semak: uncertain words] [00:08:22–00:08:24] Kita nak kena liquidise [00:08:24–00:08:28] Kita nak kena cairkan asset company [00:08:28–00:08:30] Untuk bayar hutang [00:08:30–00:08:31] Maka kita tahu kita sebenarnya ada [00:08:31–00:08:33] RM200,000 dalam betul equipment [semak: number or amount] [00:08:33–00:08:35] Macam itulah ibaratnya [00:08:35–00:08:37] So that's why balance sheet ni [00:08:37–00:08:38] Kalau faham memang powerful [semak: uncertain words] [00:08:38–00:08:40] Memang sangat-sangat powerful [00:08:40–00:08:44] Dia boleh buat kita nampak business in the bigger picture [00:08:44–00:08:47] Sebab setiap pembelian akan menjadi aset [00:08:47–00:08:50] Setiap pembayaran akan mengurangkan liability [00:08:50–00:08:53] Ataupun katalah kita bayar dekat equity [00:08:53–00:08:57] Dia akan mengurangkan pula equity [semak: uncertain words] [00:08:57–00:09:01] Maksudnya duit investor yang stay dalam company dah berkurang [00:09:01–00:09:02] Sebab kita dah bayar lah dividend dia [semak: uncertain words] [00:09:02–00:09:03] Macam tu eh [00:09:03–00:09:05] Ok, kalau tak faham tak apa [semak: uncertain words] [00:09:05–00:09:08] Tengok YouTube, boleh search pasal balance sheet [00:09:08–00:09:10] Saya cuba ajar secara layman [00:09:10–00:09:11] Tapi tak faham boleh study lagi [00:09:11–00:09:12] Menarik balance sheetnya [00:09:13–00:09:15] Katakanlah kita beli laptop guna funding [00:09:15–00:09:16] Cash [semak: uncertain words] [00:09:16–00:09:18] Kita sebelum beli RM15,000 [semak: uncertain words, number or amount] [00:09:18–00:09:20] Kita bayar laptop [00:09:20–00:09:22] Acupement [semak: uncertain words] [00:09:22–00:09:24] Selepas kita beli [00:09:24–00:09:25] Kita keluar RM12,000 [semak: number or amount] [00:09:25–00:09:27] Dan kita keluar duit [00:09:27–00:09:28] Acupement RM3,000 [semak: number or amount] [00:09:28–00:09:29] Nampak tak? [00:09:29–00:09:30] So total still balance [00:09:30–00:09:31] Asset masih RM15,000 [semak: number or amount] [00:09:31–00:09:33] Cuma dia bertukar tangan [00:09:33–00:09:35] Daripada cash bertukar dalam bentuk [00:09:35–00:09:36] Acupement RM3,000 [semak: number or amount] [00:09:36–00:09:38] Plus cash pula berkurang [00:09:38–00:09:38] Maksudnya [00:09:38–00:09:40] Ini asset dengan cash [00:09:40–00:09:42] Cash kurang [00:09:42–00:09:43] Asset naik [00:09:43–00:09:44] Nampak tak [00:09:44–00:09:46] Jadi total yang naik tu [semak: uncertain words] [00:09:46–00:09:47] Sama je RM15,000 [semak: number or amount] [00:09:47–00:09:47] Maksudnya [00:09:47–00:09:49] Total asset masih RM15,000 [semak: number or amount] [00:09:49–00:09:51] Dan loan liability kita masih lagi maintain [semak: uncertain words] [00:09:51–00:09:53] Sebab kita tak bayar hutang-hutang supplier [00:09:53–00:09:55] Kita tak bayar pula [00:09:55–00:09:56] Dividend [00:09:56–00:09:58] Ataupun tak bagi kepada shareholder [00:09:58–00:09:59] Macam itulah [00:10:00–00:10:02] So itulah dia [00:10:03–00:10:05] Jadi ini pula adalah contoh [semak: uncertain words] [00:10:05–00:10:07] PAT bulan pertama [00:10:07–00:10:08] Profit after tax bulan pertama [00:10:08–00:10:09] Bila kita dah buat audit [00:10:09–00:10:11] Bila kita [00:10:11–00:10:12] Ni bayangkan [semak: uncertain words] [00:10:12–00:10:14] Satu bisnes ada tiga statement [semak: uncertain words] [00:10:14–00:10:15] Tiga paparan [00:10:15–00:10:16] Lebih tepat adalah tiga statement [00:10:16–00:10:19] Bayangkan setiap tiga bulan [00:10:19–00:10:20] Anda dapat tiga statement ni [00:10:20–00:10:22] Memang [00:10:22–00:10:23] Memang seronok lah [00:10:23–00:10:24] Sebab kita tahu [00:10:24–00:10:25] Duit tu sebenarnya kat mana [00:10:25–00:10:26] Yang paling best [semak: uncertain words] [00:10:26–00:10:28] Statement tu pula diaudit [00:10:28–00:10:29] Betul-betul tally [00:10:29–00:10:29] Bukannya [00:10:29–00:10:31] Accountant bagi statement [semak: uncertain words] [00:10:31–00:10:32] Lepas tu kita percaya bulat-bulat [00:10:32–00:10:32] Bodoh-bodoh [semak: uncertain words] [00:10:32–00:10:33] Tak [00:10:33–00:10:35] Rupanya data ni dah rosak [semak: uncertain words] [00:10:35–00:10:35] Tak [00:10:35–00:10:36] Kita nak data yang [00:10:36–00:10:38] Dah diaudit [00:10:38–00:10:39] Dan kita pun verify betul [semak: uncertain words] [00:10:39–00:10:40] Semua ni tally [00:10:40–00:10:42] contoh saya ada satu bisnes [semak: uncertain words] [00:10:42–00:10:44] bulan pertama saya punya PAT [00:10:44–00:10:46] RM6,840, so saya tahulah [semak: number or amount] [00:10:46–00:10:48] oh ni revenue saya, tolak dengan [00:10:48–00:10:50] COGS, tolak dengan OPEX, tolak [00:10:50–00:10:52] RM10,000, dapat tolak [semak: number or amount] [00:10:52–00:10:54] pula dengan depreciation, maksudnya susut nilai [00:10:54–00:10:56] kita punya asset tadi tu dia susut nilai [semak: uncertain words] [00:10:56–00:10:57] sikit, depreciation [00:10:57–00:11:00] jadi total saya punya PBT [00:11:00–00:11:02] RM9,800, tax saya akan [semak: uncertain words, number or amount] [00:11:02–00:11:04] banyak-banyak ni, jadi inilah keuntungan [semak: uncertain words] [00:11:04–00:11:06] baki yang tinggal, ok next pula cash flow [00:11:06–00:11:07] berapa duit saya pada [00:11:07–00:11:09] bulan keempat ni, bulan ketiga ni [00:11:10–00:11:11] ok cash flow ni [semak: uncertain words] [00:11:11–00:11:12] macam screenshot [00:11:12–00:11:13] oh sekarang ni [00:11:13–00:11:13] Alhamdulillah saya ada [00:11:13–00:11:14] RM23,000 dalam bank account [semak: number or amount] [00:11:14–00:11:16] cash flow [00:11:16–00:11:16] dalam bentuk [00:11:16–00:11:18] jadi kita pun kiralah [00:11:18–00:11:19] nak tahu cash flow [00:11:19–00:11:20] kita kira operating cash flow [00:11:20–00:11:21] kita ada baki RM5,000 [semak: number or amount] [00:11:21–00:11:22] daripada duit operating [00:11:23–00:11:25] capex cash flow ni [00:11:25–00:11:26] duit akan keluar [00:11:26–00:11:26] RM12,000 [semak: number or amount] [00:11:26–00:11:28] ok kita ada duit loan pula masuk [00:11:28–00:11:30] jadi total walaupun masuk [00:11:30–00:11:31] keluar masuk [00:11:31–00:11:32] ada RM23,000 [semak: number or amount] [00:11:33–00:11:34] ok [00:11:35–00:11:37] jadi bila kita dah dapat guys [00:11:37–00:11:38] semua statement-statement ni [00:11:38–00:11:40] Kita dah tahu cash flow kita berapa [00:11:40–00:11:43] Dan kita tahu kedudukan aset kita berapa [semak: uncertain words] [00:11:43–00:11:45] Itu je sebenarnya balance sheet ni nak tahu [00:11:45–00:11:47] Aku punya aset sekarang berapa [00:11:47–00:11:47] Tolak hutang [00:11:47–00:11:49] Tolaklah semua-semua benda [00:11:49–00:11:51] Tolak cash reservable [semak: uncertain words] [00:11:51–00:11:53] Duit yang kita bakal terima daripada customer kita [00:11:53–00:11:54] RM28,000 [semak: number or amount] [00:11:54–00:11:57] Kita punya equipment-accomment kita RM11,000 [semak: uncertain words, number or amount] [00:11:57–00:11:59] Kita pula ada loan pula tu [00:11:59–00:12:01] Loan-loan-loan apa-apa semua ni [00:12:01–00:12:02] Campur dengan pack up capital [semak: uncertain words] [00:12:03–00:12:04] Jadi [00:12:06–00:12:08] total asset setelah kita dah [00:12:08–00:12:10] tambah tolak bahagi bagi apa semua ni [00:12:10–00:12:12] rupanya asset kita hanyalah [00:12:13–00:12:15] sebanyak 39,000 sahaja [semak: uncertain words, number or amount] [00:12:15–00:12:16] dan dia balance kat sana [00:12:16–00:12:18] sebab bila kita tengok asset 39,000 [semak: number or amount] [00:12:18–00:12:20] mana datang 39,000 ni [semak: number or amount] [00:12:20–00:12:21] oh dia terpecah kepada 2 [semak: number or amount] [00:12:21–00:12:22] macam tadi [00:12:22–00:12:23] that's why balance sheet ni [00:12:23–00:12:24] dia very very powerful [00:12:24–00:12:27] jadi kalau kita dapat 3-3 statement ni [semak: uncertain words, number or amount] [00:12:27–00:12:28] inilah sebenarnya [00:12:28–00:12:29] the ultimate of business [00:12:29–00:12:30] business [00:12:30–00:12:31] bila orang tanya [00:12:31–00:12:32] kau ada data tak [00:12:32–00:12:33] inilah data yang sebenar [semak: uncertain words] [00:12:33–00:12:34] Yang paling tinggi [semak: uncertain words] [00:12:35–00:12:36] Cash flow [semak: uncertain words] [00:12:36–00:12:36] Statement [00:12:37–00:12:37] PNL [00:12:37–00:12:38] Dan juga balance sheet [semak: uncertain words] [00:12:38–00:12:40] Jadi guys [00:12:40–00:12:41] Itu sahaja [00:12:41–00:12:42] Dalam panduan ni [semak: uncertain words] [00:12:42–00:12:43] Tepuk tangan untuk semua orang [00:12:45–00:12:46] Gila eh [00:12:46–00:12:48] Kalau anda dah menonton sampai sini [00:12:48–00:12:49] Saya ucapkan tahniah [00:12:49–00:12:50] Inilah panduan cost structure [semak: uncertain words] [00:12:50–00:12:52] Dan macam saya kata tadi [00:12:52–00:12:53] Saya adalah orang yang [00:12:53–00:12:54] Sangat-sangat [00:12:59–00:13:00] Sangat-sangat berdendam [00:13:00–00:13:00] Dengan finance [00:13:00–00:13:02] Dendam tu maksud saya [00:13:03–00:13:04] Dendam untuk proof [00:13:04–00:13:05] Yang kita boleh do better [semak: uncertain words] [00:13:05–00:13:05] Daripada ni lah [00:13:05–00:13:06] Come on lah [00:13:06–00:13:08] Bila kita nak tambah cawangan [00:13:08–00:13:10] Bila kita nak tambah staff [semak: uncertain words] [00:13:10–00:13:12] Bila kita nak beli [00:13:13–00:13:14] Equipment [00:13:14–00:13:15] Macam mana kita decide [00:13:16–00:13:18] Ke pakai gut feeling je [semak: uncertain words] [00:13:18–00:13:18] Ke macam [00:13:18–00:13:19] Boleh lah [semak: uncertain words] [00:13:19–00:13:22] So sebab tu kan saya kata [semak: uncertain words] [00:13:22–00:13:23] Nak menjinakkan nafsu [00:13:23–00:13:24] Orang extrovert [00:13:24–00:13:25] Orang sil orang marketing ni [semak: uncertain words] [00:13:25–00:13:26] Hanya ilmu finance je [00:13:26–00:13:27] Boleh menjinakkan nafsu dia [00:13:27–00:13:28] Tiba-tiba [00:13:28–00:13:29] Eh jap [semak: uncertain words] [00:13:29–00:13:30] Aku nak beli ke orang laptop ni [semak: uncertain words] [00:13:30–00:13:31] Tak apa-apa [semak: uncertain words] [00:13:31–00:13:32] Saya buat kiraan dulu [00:13:32–00:13:33] Dia pun buat kiraan [00:13:33–00:13:34] Dia borak dengan cek LGBT [semak: uncertain words] [00:13:34–00:13:35] Borak-borak-borak [00:13:35–00:13:35] Eh [semak: uncertain words] [00:13:36–00:13:37] tak berbaloi, dia kira pula ROI [semak: uncertain words] [00:13:37–00:13:39] apa benefit dia, kalau aku buat benda ni [semak: uncertain words] [00:13:39–00:13:41] sebab tu, jangan gelojuh nak [00:13:41–00:13:43] gelojuh laju, antara dua usahawan [semak: uncertain words] [00:13:43–00:13:45] defensif dengan ofensif, ofensif [semak: uncertain words] [00:13:45–00:13:46] mati dulu [00:13:47–00:13:49] yang menyerang, mati [00:13:49–00:13:51] dulu, yang defensif ni lebih [00:13:51–00:13:53] bagus, sebab sebenarnya bila kita [00:13:53–00:13:55] dah buat bisnes lama sangat, kita [00:13:55–00:13:57] akan sampai satu conclusion [00:13:58–00:13:59] kita akan cakap satu ayat ni [00:13:59–00:14:04] kita akan cakap satu ayat ni, oh tak ada [00:14:04–00:14:04] pula eh [00:14:05–00:14:06] defense [00:14:07–00:14:08] is [semak: uncertain words] [00:14:08–00:14:09] the best offense. [semak: uncertain words] [00:14:10–00:14:11] Rupanya ini, guys. [00:14:12–00:14:13] Bila kita dah buat business, [semak: uncertain words] [00:14:13–00:14:15] dah berpuluh-puluh business, [00:14:15–00:14:16] dah bermacam-macam partner, [00:14:17–00:14:18] dah bermacam-macam jenis [00:14:18–00:14:19] produk, [00:14:19–00:14:20] berbagai jenis staff, [00:14:20–00:14:20] last sekali, [00:14:21–00:14:22] kita always nak go defensive. [00:14:23–00:14:24] Sebab defense [00:14:24–00:14:26] is the best offense. [00:14:27–00:14:28] Dengan defense, [00:14:28–00:14:30] kita akan menyerang sebenarnya. [00:14:30–00:14:30] Contohnya, [00:14:31–00:14:32] ambil situasi simple lah. [00:14:32–00:14:34] Kita time tu bukan nak menyerang pun. [semak: uncertain words] [00:14:34–00:14:36] Kita just nak secure pastikan staff kita [00:14:36–00:14:38] ni tak ada siapa yang resign mengejut, kita pun bagilah [semak: uncertain words] [00:14:38–00:14:40] design macam mana royalty dan sebagainya [00:14:40–00:14:42] carry growth. Tiba-tiba [semak: uncertain words] [00:14:42–00:14:44] dengan kita nak defensive, nak pastikan [00:14:44–00:14:46] team kita ni stay, kita [semak: uncertain words] [00:14:46–00:14:48] ter-design carry growth. Dan ter-design [00:14:48–00:14:50] carrier, carrier growth tu [00:14:50–00:14:52] sebab nak basit dengan loyal, elok pula [semak: uncertain words] [00:14:52–00:14:53] team kita grow secara organik. [00:14:54–00:14:56] Tiba-tiba grow eh. Aku nak [semak: uncertain words] [00:14:56–00:14:58] defend, dah ter-offense. Contohnya [00:14:58–00:15:00] kita nak secure kan kita [semak: uncertain words] [00:15:00–00:15:02] punya business. Kita [00:15:02–00:15:04] tengok, ok sekarang ni aku ambil dengan supplier A [semak: uncertain words] [00:15:04–00:15:06] Bahaya ni kalau supplier A ni [semak: uncertain words] [00:15:06–00:15:08] Macam mana kan? Kita bukan nak untung [semak: uncertain words] [00:15:08–00:15:11] Banyak pun. So kita pun carilah 3 supplier [semak: uncertain words, number or amount] [00:15:12–00:15:12] Standby [00:15:12–00:15:14] At least supplier A tak dapat supply [semak: uncertain words] [00:15:14–00:15:15] Aku ada supplier B, supplier C [semak: uncertain words] [00:15:15–00:15:17] Nampak? Tiba-tiba elok pula [00:15:17–00:15:20] Eh, sale naik eh aku tak ada masalah nak supply [semak: uncertain words] [00:15:20–00:15:22] Sebab aku dah ada 3 source of supplier [semak: number or amount] [00:15:22–00:15:24] Tiba-tiba menyerang pula [00:15:24–00:15:26] Contohnya, kita tengok satu staff ni [00:15:26–00:15:27] Ish, dia seorang buat marketing [00:15:27–00:15:29] Eh, bahaya ni kalau dia seorang buat marketing [semak: uncertain words] [00:15:29–00:15:31] Kalau dia resign macam mana? Kita pun tambah [semak: uncertain words] [00:15:31–00:15:33] Seorang lagi marketing disebabkan kita nak [semak: uncertain words] [00:15:33–00:15:35] secure kan ada dua orang shadowing, kita nak buat [semak: uncertain words] [00:15:35–00:15:38] orang A, orang B, so that company tak bergantung [00:15:38–00:15:39] harap pada satu, dia tak ada satu bottleneck [semak: uncertain words] [00:15:39–00:15:41] tu lah, bottleneck, dia macam, dia corong [semak: uncertain words] [00:15:41–00:15:42] tiba-tiba dia sangkut kat tengah [00:15:43–00:15:46] elok pula kita setengah menyerang, tiba-tiba tertambah hasil [semak: uncertain words] [00:15:46–00:15:47] sebab kita nak secure kan je [00:15:47–00:15:49] satu position yang paling berisiko tu [00:15:49–00:15:51] ibaratnya macam inilah, kita [00:15:51–00:15:53] nak tambah tembok pertahanan [00:15:53–00:15:55] dalam proses menambah tembok pertahanan [00:15:55–00:15:57] kita tak sengaja dah [00:15:57–00:15:59] menyerang dan serangan itu [00:16:00–00:16:01] lebih solid [00:16:01–00:16:03] kita dah menguatkan kubur, tiba-tiba [semak: uncertain words] [00:16:05–00:16:05] Defensive [00:16:05–00:16:06] Sebab tu [00:16:06–00:16:08] Defense is the best offense [semak: uncertain words] [00:16:08–00:16:10] Dan ilmu dalam defense ni [00:16:10–00:16:11] Adalah always back to fundamental [00:16:11–00:16:12] Finance [00:16:12–00:16:13] Customer [00:16:14–00:16:15] Retention rate [00:16:15–00:16:17] Customer repeat rate [00:16:17–00:16:18] So kalau time saya lah [00:16:18–00:16:18] Kalau saya [00:16:18–00:16:19] Saya akan bagitahu dua ni lah [semak: uncertain words] [00:16:19–00:16:21] Satu ilmu finance [00:16:21–00:16:22] Which is nak protect [00:16:23–00:16:24] Protect margin [semak: uncertain words] [00:16:24–00:16:25] Protect margin [00:16:27–00:16:28] Protect margin [00:16:29–00:16:30] Untung [00:16:30–00:16:32] Protect tak margin profit [00:16:32–00:16:34] Kita dah set profit margin 50% [semak: uncertain words, number or amount] [00:16:34–00:16:36] Dapat tak maintain 50%? [semak: number or amount] [00:16:38–00:16:39] So defensive ni adalah [semak: uncertain words] [00:16:39–00:16:41] Untuk kita pastikan protect margin [00:16:41–00:16:43] Lepas tu team [00:16:43–00:16:45] Kita nak pastikan kita protect [00:16:45–00:16:46] Kita punya talent [00:16:46–00:16:48] Protect team kita [00:16:48–00:16:50] Talent-talent yang ada ni ingat senang ke nak develop? [semak: uncertain words] [00:16:51–00:16:53] Next pula kita nak protect apa? [00:16:54–00:16:56] Kita nak protect brand [00:16:56–00:17:00] Kita nak protect [00:17:00–00:17:01] Kita punya brand [semak: uncertain words] [00:17:01–00:17:02] Kita nak protect brand kita [00:17:02–00:17:03] Tak nak brand kita damage [00:17:03–00:17:05] but once brand damage habislah [semak: uncertain words] [00:17:05–00:17:06] so kita pun securekan [semak: uncertain words] [00:17:06–00:17:08] pastikan customer happy [00:17:08–00:17:09] pastikan ok [00:17:09–00:17:12] kita baiki kita punya google review [00:17:12–00:17:12] pastikan [00:17:12–00:17:13] tiba-tiba dah menyerang [00:17:13–00:17:13] eh [00:17:13–00:17:15] aku sebenarnya tak nak brand rosak je [00:17:15–00:17:17] tu aku nampak pastikan google review cantik [semak: uncertain words] [00:17:17–00:17:19] tiba-tiba itu pula menyebabkan [00:17:19–00:17:21] sale kita naik [00:17:21–00:17:21] faham tak? [00:17:22–00:17:23] defense [00:17:23–00:17:24] is the best offense [00:17:25–00:17:26] boss [00:17:26–00:17:27] bila banyak duit [00:17:27–00:17:28] auto jadi bodoh [00:17:28–00:17:30] boss bila takde duit [00:17:30–00:17:30] auto jadi bijak [00:17:30–00:17:32] so always anggap kita takde duit [00:17:32–00:17:34] Gunakan sekecik-kecik modal [semak: uncertain words] [00:17:34–00:17:36] Untuk dapatkan the highest leverage [semak: uncertain words] [00:17:36–00:17:39] The highest reward [00:17:39–00:17:41] Jumpa dalam panduan seterusnya [00:17:41–00:17:42] Zas [semak: uncertain words]