PBT Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:01–00:00:29] PBT. Apakah itu PBT? PBT adalah profit before tax. So, bila kita dah connecting the dot, sebab saya nak sentuh sikit lah ilmu finance ni. Bila kita ambil gaji ni, kita kena tahu OPEX secara basic. Nak tahu lebih detail ada modul lain sebenarnya. Tapi saya nak beritahu secara basic OPEX tu apa, COGS tu apa. Bila dah kenal pasti 2 numbers ni, 2 amount yang sebenar di berapa persen, barulah kita boleh kira PBT, profit before tax. [semak: uncertain words, number or amount] [00:00:29–00:00:34] So barulah owner dapat gaji yang setimpal [00:00:34–00:00:37] Kalau kita nak ambil gaji ni bukan main petik-petik je gaji [semak: uncertain words] [00:00:37–00:00:39] Kena tengok untung ada ke tak [00:00:39–00:00:41] At least company pun boleh bernafas [00:00:41–00:00:42] Contohnya macam ni [00:00:42–00:00:43] Kita ada sale [00:00:43–00:00:45] Tolak dengan kita punya kos barang [semak: uncertain words] [00:00:45–00:00:46] COGS ataupun COGS kita [00:00:46–00:00:47] Kos bahan [00:00:47–00:00:48] Dapatlah gross profit [00:00:48–00:00:50] Gross profit ni untung kasar ni pula [00:00:50–00:00:52] Tolak dengan OPEX [00:00:52–00:00:53] Kos operasi ni [semak: uncertain words] [00:00:53–00:00:54] Termasuk gaji bawah semua kat sini [00:00:54–00:00:56] Dapatlah PBT [00:00:56–00:00:58] Profit before tax [semak: uncertain words] [00:00:58–00:01:00] Jadi, ni contoh kiraan dia lah [00:01:00–00:01:02] Sale, bayangkan RM50,000 [semak: uncertain words, number or amount] [00:01:03–00:01:04] COGS kita, kos bahan [00:01:04–00:01:06] Apa semua nak bayar, supplier [semak: uncertain words] [00:01:06–00:01:08] Bayar, kos material, shipping [00:01:08–00:01:10] Dan sebagainya, apa benda lah [00:01:10–00:01:12] Dapatlah RM20,000, untung kasar [semak: number or amount] [00:01:12–00:01:14] RM30,000, jadi kita masukkan [semak: number or amount] [00:01:14–00:01:16] Gaji kita kat sini, ni gaji owner [00:01:16–00:01:19] Gaji staff, office, katalah ni [00:01:19–00:01:21] Kalau logik akal ni ada staff 2 orang [semak: number or amount] [00:01:21–00:01:22] 3 orang lah, katalah kita ada [semak: number or amount] [00:01:22–00:01:24] Staff 3 orang, seorang gaji RM2,500 [semak: number or amount] [00:01:24–00:01:26] So, staff 3 orang, darat [semak: number or amount] [00:01:26–00:01:27] RM2,500, dah RM7,500 [semak: number or amount] [00:01:27–00:01:29] setengah, campur gaji bos dah RM12,500 [semak: uncertain words, number or amount] [00:01:30–00:01:31] RM12,500 [semak: uncertain words, number or amount] [00:01:31–00:01:33] campur dengan KMSP, so 15% [semak: uncertain words, number or amount] [00:01:33–00:01:35] bagai, lepas tu campur lagi [00:01:35–00:01:37] dengan ofis, betul lah RM20,000 [semak: number or amount] [00:01:37–00:01:39] ibaratnya, jadi untung company [00:01:39–00:01:41] RM10,000, poin dia kat sini [semak: number or amount] [00:01:42–00:01:43] kita nak ambil gaji [00:01:43–00:01:45] dalam keadaan company pun healthy [00:01:45–00:01:47] bukannya company tinggal kosong [00:01:47–00:01:49] ada pula kosong macam ni, tak boleh lah [00:01:49–00:01:51] sebab apa, oh aku dah ambil gaji [00:01:51–00:01:53] RM15,000 dip, eh tak boleh [semak: uncertain words, number or amount] [00:01:53–00:01:55] ambil kena berpada-pada [00:01:55–00:01:57] kalau company tak ada saving, nanti [00:01:57–00:01:59] musim kemarau, itulah masalahnya [00:01:59–00:02:01] apa yang berlaku guys, bila kita ambil [semak: uncertain words] [00:02:01–00:02:03] gaji banyak sangat, bila musim [00:02:03–00:02:05] off season, musim kemarau [00:02:05–00:02:07] kita akan gaji kosong [00:02:07–00:02:09] tak nak macam tu, kita nak pastikan [semak: uncertain words] [00:02:09–00:02:10] untung bersih company ada [00:02:10–00:02:12] untuk nombor 1 boleh bayar tax [semak: uncertain words, number or amount] [00:02:12–00:02:15] nombor 2 ada cash reserve untuk bertahan [semak: number or amount] [00:02:15–00:02:17] 3 bulan, cash reserve company [semak: number or amount] [00:02:17–00:02:19] kalau boleh 3 ke 6 bulan untuk bertahan [semak: number or amount] [00:02:19–00:02:21] so kalau kita dah simpan sikit-sikit [00:02:21–00:02:23] ni, ni dah menyimpan setengah bulan [semak: uncertain words] [00:02:23–00:02:25] so kalau cukup 2 bulan, kita dah cukup [semak: uncertain words, number or amount] [00:02:25–00:02:27] RM20,000 dah ada sebulan punya cash reserve [semak: number or amount] [00:02:27–00:02:29] sebab itulah [00:02:29–00:02:31] jangan ambil gaji banyak, ambil [00:02:31–00:02:33] sikit so that company ada [00:02:33–00:02:35] untung, ok contoh ni [semak: uncertain words] [00:02:35–00:02:37] RM10,000, so sebelum ambil [semak: number or amount] [00:02:37–00:02:39] pastikan company pun [00:02:39–00:02:41] profit, bukannya ambil maximum [00:02:41–00:02:43] jangan, so itulah [semak: uncertain words] [00:02:43–00:02:45] PBT, kita jumpa dalam video yang seterusnya