P&L

Transkrip automatik asal · Pengecaman pertuturan automatik; setiap perkataan belum disahkan.

P&L
Source: https://coachadib.com/module/6ac040624f4c5b44a5b8c095
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.300 – 00:00:02.420] Bila dah faham semua ni guys

[00:00:02.420 – 00:00:04.160] Barulah kita masuk kepada

[00:00:04.160 – 00:00:06.600] P&L. Tepuk tangan tu semua

[00:00:08.220 – 00:00:10.540] Chapter ke 5. Bukan senang ya nak belajar finance ni

[00:00:10.540 – 00:00:11.980] Tak semua orang boleh fokus

[00:00:11.980 – 00:00:14.560] Belajar pasal number-number ni. Apa benda ni? Aku tu nak buat sale

[00:00:14.560 – 00:00:16.020] Aku nak buat sale. Sabar, sabar

[00:00:16.020 – 00:00:18.320] Sebelum kau tercedok bro dengan sale

[00:00:18.320 – 00:00:20.680] Ni kau dengar. Orang yang dah tercedok banyak kali

[00:00:20.680 – 00:00:21.660] 40 company

[00:00:22.460 – 00:00:24.440] 25 seramahat. Cuba tanya

[00:00:24.440 – 00:00:26.300] Siapa lagi gagal? Awak ke saya?

[00:00:26.460 – 00:00:28.340] Sayalah paling gagal. Sebab tu belajarlah

[00:00:28.340 – 00:00:29.020] Dengar orang yang gagal

[00:00:29.020 – 00:00:29.900] So that anda tak buat

[00:00:29.900 – 00:00:31.320] Kesilapan gagal yang sama

[00:00:31.320 – 00:00:32.480] Walaupun sekarang

[00:00:32.480 – 00:00:33.060] Alhamdulillah lah

[00:00:33.060 – 00:00:34.520] Hasil saya 2-3 juta sebulan

[00:00:34.520 – 00:00:35.840] Saya ada team dekat 70 orang

[00:00:35.840 – 00:00:36.580] Tapi

[00:00:37.220 – 00:00:38.800] Orang tak nampak gagal tu

[00:00:38.800 – 00:00:40.460] Berapa banyak kegagalan

[00:00:40.460 – 00:00:42.240] Untuk jumpa satu mentol

[00:00:42.240 – 00:00:42.700] Yang hidup

[00:00:42.700 – 00:00:43.100] Ting

[00:00:43.760 – 00:00:44.720] So please

[00:00:44.720 – 00:00:45.480] Dengar

[00:00:45.480 – 00:00:46.580] Dan buat

[00:00:46.580 – 00:00:47.820] Buat je lah

[00:00:47.820 – 00:00:50.140] Tak faham tak apa

[00:00:50.140 – 00:00:50.500] Buat je

[00:00:50.500 – 00:00:51.420] Nanti akan faham

[00:00:51.420 – 00:00:52.800] Dia lambat sikit faham

[00:00:52.800 – 00:00:53.980] Buat dulu

[00:00:53.980 – 00:00:55.060] Sebab tu orang bodoh

[00:00:55.060 – 00:00:55.560] Cepat berjaya

[00:00:55.560 – 00:00:56.740] Sebab orang bodoh

[00:00:56.740 – 00:00:57.340] Tak overthinking

[00:00:57.340 – 00:00:59.400] Orang bijak-bijak pandai ni lambat berjaya

[00:00:59.400 – 00:01:00.400] You ku?

[00:01:01.120 – 00:01:03.360] Hmm tak lah aku asut tak kot

[00:01:03.360 – 00:01:04.540] Itulah pandai sangat

[00:01:04.540 – 00:01:07.580] Kadang-kadang kita kena realas kita ni bodoh je

[00:01:07.580 – 00:01:11.380] Ada sebab kenapa umat-umat terdahulu buat macam tu

[00:01:11.380 – 00:01:14.380] Ada sebab kenapa struktur pengsyarikatan ni

[00:01:14.380 – 00:01:16.540] Dia dah ada segala struktur, staff, manager

[00:01:16.540 – 00:01:17.100] Ada sebab

[00:01:17.100 – 00:01:19.820] Ada sebab kenapa kita wujudkan ESOP

[00:01:19.820 – 00:01:21.780] Kita ada ordinary share, preference share

[00:01:21.780 – 00:01:23.840] Kita ada segala rule-rule benda ni semua

[00:01:23.840 – 00:01:25.940] Sebab ini dah terbukti beratus tahun

[00:01:25.940 – 00:01:28.940] Siapalah kita baru masuk kandang harimau

[00:01:28.940 – 00:01:30.620] Tiba-tiba nak jadi kambing

[00:01:31.580 – 00:01:33.420] Tiba-tiba tak nak jadi harimau pula

[00:01:33.420 – 00:01:35.760] Masuk kandang harimau, jadi harimau lah

[00:01:35.760 – 00:01:38.440] Masuk kandang perniagaan, memang ada ilmu dia

[00:01:38.440 – 00:01:41.880] Dan antara ilmu wajib adalah PNL

[00:01:41.880 – 00:01:44.980] Dia melengkapi segala apa yang kita belajar tadi

[00:01:44.980 – 00:01:47.160] Setelah kita dah belajar empat perkara

[00:01:47.160 – 00:01:48.600] Kita ulang balik yang arif

[00:01:49.400 – 00:01:53.540] Kita dah belajar tentang yang pertama sekali adalah modal, capital

[00:01:53.540 – 00:02:00.680] Dengan modal kita buat apa? Biasanya kita terpaksalah beli mesin ataupun equipment ataupun masuk ofis

[00:02:00.680 – 00:02:08.380] Ini adalah capex. Kita ada modal, kita ada asset, kita ada ofis yang kita masuk dengan renovation dan sebagainya

[00:02:08.380 – 00:02:14.760] Lepas tu pula kita ada yang ketiga kos bahan. Kita panggil sebagai COGS

[00:02:14.760 – 00:02:17.080] Adalah kos penghasilan bahan

[00:02:17.080 – 00:02:22.280] Dan daripada kos penghasilan bahan kita akan dapat GP. GP adalah gross profit

[00:02:22.280 – 00:02:24.120] Daripada situ pula, itu belum untung bersih.

[00:02:24.520 – 00:02:28.320] Nak untung bersih, tolak pula dengan kita punya OPEX.

[00:02:28.620 – 00:02:31.340] Tolak OPEX, barulah dapat PBT.

[00:02:31.640 – 00:02:32.680] Profit Before Tax.

[00:02:33.020 – 00:02:35.600] Itulah cara kira paling simple untuk PNL.

[00:02:35.860 – 00:02:36.800] Saya dah sebut dah semuanya.

[00:02:37.180 – 00:02:39.460] Tapi, jom kita tengok secara teknikal apakah dia.

[00:02:39.560 – 00:02:42.600] PNL adalah bisnes ni untung ke rugi.

[00:02:42.980 – 00:02:43.520] Revenue.

[00:02:43.920 – 00:02:45.580] Tolak expenses equal profit.

[00:02:45.980 – 00:02:47.320] Senang je kalau nak kira dia.

[00:02:47.740 – 00:02:49.280] Tapi, tak semua orang boleh kira.

[00:02:49.580 – 00:02:50.060] Revenue.

[00:02:50.240 – 00:02:50.880] Revenue ni apa?

[00:02:50.880 – 00:02:52.320] Revenue ni adalah duit masuk

[00:02:52.920 – 00:02:54.340] Sale adalah duit beri customer

[00:02:54.340 – 00:02:56.980] Ada setengah company, revenue tak sama dengan sale

[00:02:56.980 – 00:02:59.060] Dia macam ni, revenue ni bulat yang besar

[00:02:59.060 – 00:03:00.800] Sale bulat yang kecil, kita tengok

[00:03:02.640 – 00:03:03.160] Revenue

[00:03:03.160 – 00:03:04.360] Versus sale

[00:03:04.360 – 00:03:06.720] Kita tengok dekat image, nak senang faham

[00:03:06.720 – 00:03:07.320] Tengok image

[00:03:08.600 – 00:03:10.040] Ada tak? Haa macam ni

[00:03:10.720 – 00:03:12.380] Ok, nampak tak? Dia macam ni

[00:03:13.580 – 00:03:14.580] Revenue ni besar

[00:03:14.580 – 00:03:16.440] Sale tu kecil je sebenarnya, kenapa?

[00:03:16.720 – 00:03:18.480] Company-company besar, dia bukannya

[00:03:18.480 – 00:03:20.480] Dapat duit daripada sale semata-mata

[00:03:20.480 – 00:03:22.540] Dia ada revenue, dia ada income-income lain

[00:03:22.540 – 00:03:24.260] Contohnya, dia ada investment portfolio

[00:03:24.260 – 00:03:26.880] Dia ada property, dia ada macam-macam

[00:03:26.880 – 00:03:28.920] Duit daripada sana, dividend sana, sini

[00:03:28.920 – 00:03:30.860] Dia ada own company bawah contohnya

[00:03:30.860 – 00:03:32.840] Dia ada holding company

[00:03:32.840 – 00:03:36.360] Dia ada banyak anak-anak syarikat

[00:03:36.360 – 00:03:38.340] Anak syarikat hantar dividend ke atas

[00:03:38.340 – 00:03:39.740] Itu apa? Itu sale? Bukan

[00:03:39.740 – 00:03:41.340] Itu number of revenue

[00:03:41.340 – 00:03:42.280] Itulah beza dia

[00:03:42.280 – 00:03:44.660] Revenue adalah semua duit masuk

[00:03:44.660 – 00:03:46.840] Tak kisahlah daripada customer ke

[00:03:46.840 – 00:03:49.220] Ataupun daripada source lain

[00:03:49.220 – 00:03:51.760] Sale pula adalah duit purely daripada customer

[00:03:51.760 – 00:03:53.500] Itu cuma syarat

[00:03:53.500 – 00:03:55.660] Revenue ni dia adalah duit yang positif

[00:03:55.660 – 00:03:56.520] Bukanlah hutang

[00:03:56.520 – 00:03:58.400] Kalau masuk sebagai loan bukan revenue

[00:03:58.400 – 00:03:59.860] Itu nama dia debt lah hutang lah

[00:03:59.860 – 00:04:03.600] Kan itu dah jadi hutang lah kita kena bayar balik

[00:04:03.600 – 00:04:06.260] Tapi yang ni duit yang kita boleh gunakan

[00:04:06.260 – 00:04:08.020] Tapi bukan daripada customer

[00:04:08.020 – 00:04:09.360] Biasanya itulah dividend

[00:04:09.360 – 00:04:11.200] Sebab tu ada setengah company investor

[00:04:11.200 – 00:04:13.180] Dia ada 5 company bawah

[00:04:13.180 – 00:04:16.200] Company bawah ni setiap 3 bulan hantar quarterly dividend

[00:04:16.880 – 00:04:18.760] So dia langsung tak ada sale

[00:04:18.760 – 00:04:20.220] Tapi dia ada revenue

[00:04:20.220 – 00:04:21.240] Boleh jadi juga

[00:04:21.240 – 00:04:22.060] Nampak

[00:04:22.060 – 00:04:24.040] Jadi sebab tu bahasa corporate

[00:04:24.040 – 00:04:25.200] Dia jarang panggil sale

[00:04:25.200 – 00:04:25.900] Dia panggil revenue

[00:04:25.900 – 00:04:27.700] Sebab bila kita mention revenue

[00:04:27.700 – 00:04:29.160] Dia mewakili semua sekali

[00:04:29.160 – 00:04:30.580] Kalau kita kata sale

[00:04:30.580 – 00:04:32.060] Hanya merujuk kepada customer sahaja

[00:04:32.060 – 00:04:33.800] Company SME sahaja yang guna sale

[00:04:33.800 – 00:04:35.160] Tapi company-company besar

[00:04:35.160 – 00:04:36.380] Terms dia adalah revenue

[00:04:36.380 – 00:04:36.840] That's why

[00:04:36.840 – 00:04:38.160] Kalau kita nak belajar

[00:04:38.160 – 00:04:39.940] Bahasa lebih tepat sebenarnya adalah revenue

[00:04:42.570 – 00:04:44.970] Flo baca panel dengan urutan yang betul

[00:04:44.970 – 00:04:45.830] Ini urutan dia

[00:04:45.830 – 00:04:48.570] Revenue tolak COGS

[00:04:48.570 – 00:04:50.350] Equal gross profit

[00:04:50.350 – 00:04:51.430] Yang saya sebut tadi

[00:04:51.430 – 00:04:52.210] Nama dia GP

[00:04:52.210 – 00:04:53.570] Kalau anda boleh hafal ni

[00:04:53.570 – 00:04:54.710] Anda memang bijak gila

[00:04:54.710 – 00:04:56.450] Selangkah menjadi jutawan

[00:04:56.450 – 00:04:57.350] Oh, alamak

[00:04:57.970 – 00:04:58.970] GP pula

[00:04:58.970 – 00:05:00.470] Tolak dengan OPEX

[00:05:00.470 – 00:05:01.890] Dapatlah OP

[00:05:01.890 – 00:05:03.310] Ni saya panggil dia OP

[00:05:03.310 – 00:05:04.670] OP ni adalah

[00:05:04.670 – 00:05:05.650] Operating Profit

[00:05:05.650 – 00:05:06.770] Maksudnya

[00:05:07.550 – 00:05:08.650] Dia untung

[00:05:08.650 – 00:05:09.630] Untung kasar

[00:05:09.630 – 00:05:11.250] Dia lebih tepat

[00:05:11.250 – 00:05:12.390] Dia belum PBT lagi

[00:05:12.390 – 00:05:14.050] Sebab PBT ni

[00:05:14.050 – 00:05:15.190] Profit before tax ni

[00:05:15.190 – 00:05:16.290] Dia sebenarnya kena tambah

[00:05:16.290 – 00:05:17.190] Dengan ada income

[00:05:18.050 – 00:05:19.410] Lepas tu ada tak buat

[00:05:19.410 – 00:05:19.970] Loan-loan

[00:05:19.970 – 00:05:21.670] financial cost ni sebenarnya adalah loan

[00:05:21.670 – 00:05:24.010] kita dah tak buat apa-apa loan-loan dengan bank

[00:05:24.010 – 00:05:25.910] ke apa-apa ke, kena bayar kat sini

[00:05:25.910 – 00:05:27.430] sebab tu PBT ni

[00:05:27.430 – 00:05:29.830] dia technical terms account ni

[00:05:29.830 – 00:05:31.370] sebenarnya luas lagi

[00:05:31.370 – 00:05:33.450] saya pun baru je belajar, baru je insaf

[00:05:33.450 – 00:05:35.390] kalau tersalah, minta maaf lah

[00:05:35.390 – 00:05:38.070] boleh tanya orang lain, saya ni baru nak belajar

[00:05:38.070 – 00:05:39.850] antara impian saya nak ada

[00:05:39.850 – 00:05:40.810] certified accountant

[00:05:41.750 – 00:05:43.450] saya adalah baru ni enroll

[00:05:43.450 – 00:05:45.630] kat satu universiti nak belajar, Alhamdulillah

[00:05:45.630 – 00:05:47.330] insyaAllah doakan saya dapat SCCA

[00:05:48.590 – 00:05:49.270] Dapatlah

[00:05:49.270 – 00:05:49.850] InsyaAllah lah

[00:05:49.850 – 00:05:50.390] Lambat lagi

[00:05:50.390 – 00:05:50.970] Susah baik

[00:05:50.970 – 00:05:52.810] Tapi itulah impian-impian saya

[00:05:52.810 – 00:05:54.090] Sebab nak jadi investor

[00:05:54.090 – 00:05:55.290] Nak belajar pasal bisnes kan

[00:05:55.290 – 00:05:55.990] Minat finance

[00:05:55.990 – 00:05:57.250] Nak jatuh cinta dengan finance

[00:05:57.250 – 00:05:58.210] Sebab menarik

[00:05:58.210 – 00:05:59.970] Finance is the language of business

[00:05:59.970 – 00:06:01.310] So kenapa

[00:06:01.310 – 00:06:02.630] Kita asingkan

[00:06:02.630 – 00:06:03.330] Kenapa ni OP

[00:06:03.330 – 00:06:04.310] Sebab ini adalah

[00:06:04.310 – 00:06:06.170] Keuntungan daripada operasi

[00:06:06.170 – 00:06:07.770] Bila kita operate

[00:06:07.770 – 00:06:08.350] Operate apa

[00:06:08.350 – 00:06:09.950] Team operation menghasilkan service

[00:06:09.950 – 00:06:11.370] So apa keuntungan dia

[00:06:11.370 – 00:06:12.190] Ini je keuntungan dia

[00:06:12.190 – 00:06:14.150] Maksudnya customer yang bayar

[00:06:14.150 – 00:06:15.430] Team operation

[00:06:15.430 – 00:06:16.830] Deliver the service

[00:06:16.830 – 00:06:19.830] So itulah kita panggil sebagai operating profit

[00:06:19.830 – 00:06:21.950] Faham tak? Kenapa dia panggil operating?

[00:06:22.230 – 00:06:27.070] Kenapa tak panggil profit? Tak sebab ini profit daripada operasi syarikat

[00:06:27.070 – 00:06:28.490] Sebab tu kita panggil operating profit

[00:06:28.490 – 00:06:30.370] Katalah syarikat tu jual produk kesihatan

[00:06:30.370 – 00:06:33.390] Mestilah dia nak kena buat marketing, buat sale

[00:06:33.390 – 00:06:35.170] Lepas tu buat shipping, bla bla bla

[00:06:35.170 – 00:06:36.630] So itulah operasi dia

[00:06:36.630 – 00:06:39.850] Jadi berapakah keuntungan hasil daripada operasi?

[00:06:39.990 – 00:06:40.990] Itulah nama dia OP

[00:06:40.990 – 00:06:44.470] Tapi ada pula keuntungan yang bukan datang daripada operasi

[00:06:44.470 – 00:06:46.710] Dia datang daripada income-income lain

[00:06:46.710 – 00:06:48.710] Contohnya investment, macam saya kata tadi

[00:06:48.710 – 00:06:50.370] Ada setengah company besar

[00:06:50.370 – 00:06:52.450] Yang dia ada banyak anak syarikat

[00:06:52.450 – 00:06:54.410] So anak syarikat ni push dividend

[00:06:54.410 – 00:06:56.930] So tu apa pula? Itu bukan keuntungan operasi

[00:06:56.930 – 00:06:59.030] Itu adalah keuntungan dari sudut investment

[00:06:59.030 – 00:07:00.890] Jadi dia tak consider itu sebagai

[00:07:00.890 – 00:07:02.450] OP, dia consider itu sebagai

[00:07:02.450 – 00:07:04.530] Ada income, income-income

[00:07:04.530 – 00:07:06.390] Tambahan lain, jangan terkejut eh

[00:07:06.390 – 00:07:08.330] Company corporate kadang-kadang ada income dia

[00:07:08.330 – 00:07:10.390] Lagi besar daripada operating profit

[00:07:10.390 – 00:07:12.410] Operating profit ni wayang je

[00:07:12.410 – 00:07:14.290] Itu yang kata, ni company cuci duit

[00:07:14.290 – 00:07:15.250] Cuci duit semetak

[00:07:15.870 – 00:07:16.970] Cuci duit ni aduh

[00:07:16.970 – 00:07:18.030] Masalah betul lah mental

[00:07:18.030 – 00:07:19.550] Asal kaya berjaya je

[00:07:19.550 – 00:07:20.030] Cuci duit

[00:07:20.030 – 00:07:21.330] Apa benda lah mindset

[00:07:22.050 – 00:07:23.190] Mata lalat

[00:07:23.190 – 00:07:24.190] Mata ada dua tau

[00:07:24.190 – 00:07:25.370] Satu mata lalat

[00:07:25.370 – 00:07:26.070] Satu mata lebah

[00:07:26.070 – 00:07:27.870] Mata lalat tengok benda baik

[00:07:27.870 – 00:07:28.490] Nampak sampah

[00:07:28.490 – 00:07:30.050] Mata lebah

[00:07:30.050 – 00:07:31.210] Tengok benda buruk pun

[00:07:31.210 – 00:07:31.810] Nampak madu

[00:07:32.450 – 00:07:33.430] Tak apa

[00:07:33.430 – 00:07:33.950] Tak apa

[00:07:34.590 – 00:07:35.810] So ada income

[00:07:35.810 – 00:07:37.690] Next adalah finance cost

[00:07:37.690 – 00:07:39.050] Dia tolak dengan finance cost

[00:07:39.050 – 00:07:40.690] Sebab kita ada financial cost

[00:07:40.690 – 00:07:41.370] Contohnya

[00:07:41.370 – 00:07:42.770] Saya bagi loan

[00:07:42.770 – 00:07:44.350] Saya adalah director company

[00:07:44.350 – 00:07:46.030] Saya adalah owner company

[00:07:46.030 – 00:07:47.170] Ataupun saya adalah pakcik

[00:07:47.170 – 00:07:48.910] Anak buah saya buat bisnes

[00:07:48.910 – 00:07:49.530] Saya bagi loan

[00:07:49.530 – 00:07:49.870] Saya kata

[00:07:49.870 – 00:07:51.930] Engkau bayar balik duit ini kat aku

[00:07:51.930 – 00:07:53.390] Setiap tahun aku nak dapatkan

[00:07:53.390 – 00:07:54.450] At least 30%

[00:07:54.450 – 00:07:55.490] Cukup 3 tahun settle

[00:07:55.490 – 00:07:56.710] Okay boleh pakcik

[00:07:57.470 – 00:07:58.030] Takpelah

[00:07:58.030 – 00:07:59.690] Ini kita buatlah konsep mudah rabah

[00:07:59.690 – 00:08:00.330] Musyarah wakah

[00:08:00.330 – 00:08:01.690] Benda islamic loan

[00:08:01.690 – 00:08:02.570] Tak ada term

[00:08:02.570 – 00:08:03.510] Tak ada interest

[00:08:03.510 – 00:08:04.470] Okay

[00:08:04.470 – 00:08:05.230] So

[00:08:05.850 – 00:08:08.090] Dia pun bayar 30% setiap tahun

[00:08:08.090 – 00:08:09.570] Jadi itulah financial cost

[00:08:09.570 – 00:08:11.470] So apa-apa sahaja loan-loan

[00:08:11.470 – 00:08:13.350] ataupun interest ke apa ke

[00:08:13.350 – 00:08:15.290] itu adalah semua dekat

[00:08:15.290 – 00:08:17.510] finance cost. Katalah

[00:08:17.510 – 00:08:19.930] tak silap saya eh. Depreciation

[00:08:20.910 – 00:08:21.510] depreciation

[00:08:21.510 – 00:08:23.430] amortization pun kat sini. Tak apalah. Itu dah

[00:08:23.430 – 00:08:25.370] kisah lain. EBIT, EBITDA bagai apa semua tu

[00:08:25.370 – 00:08:27.230] tak payah. Ajar lah. Senang cerita

[00:08:27.230 – 00:08:29.350] bila kita dah ambil

[00:08:29.350 – 00:08:31.470] keuntungan daripada operasi

[00:08:31.470 – 00:08:33.550] campur dengan keuntungan

[00:08:33.550 – 00:08:35.410] daripada investment-investment ataupun

[00:08:35.410 – 00:08:37.350] tempat-tempat lain. Tolak dengan

[00:08:37.350 – 00:08:39.630] loan dapatlah PBT

[00:08:39.630 – 00:08:41.630] Profit before tax

[00:08:43.570 – 00:08:44.370] Profit

[00:08:44.370 – 00:08:45.950] Before

[00:08:45.950 – 00:08:46.950] Tax

[00:08:47.970 – 00:08:50.350] Keuntungan sebelum pembayaran cukai

[00:08:50.350 – 00:08:51.370] PBT

[00:08:52.510 – 00:08:54.190] GP, OP, PBT

[00:08:54.190 – 00:08:54.670] Macam mana hafal?

[00:08:54.890 – 00:08:56.810] GP, OP, PBT

[00:08:56.810 – 00:08:58.090] COGS

[00:08:59.390 – 00:09:00.730] COGS dah hafal lah

[00:09:00.730 – 00:09:01.810] Gross profit, GP

[00:09:02.890 – 00:09:03.950] Bila borak dengan member

[00:09:03.950 – 00:09:04.830] Guna bahasa macam ni

[00:09:04.830 – 00:09:05.870] Ho, bijak dia macam boy

[00:09:05.870 – 00:09:07.170] Ini kalau buat posting

[00:09:07.170 – 00:09:07.890] Kat software ni kan

[00:09:09.550 – 00:09:10.390] Buat posting

[00:09:10.390 – 00:09:11.650] Saya punya GP banyak ni

[00:09:11.650 – 00:09:12.890] Ha, memang tak faham lah orang lain

[00:09:12.890 – 00:09:13.630] Tapi yang faham tu

[00:09:13.630 – 00:09:14.030] Memang faham

[00:09:14.630 – 00:09:15.430] Anda adalah

[00:09:15.430 – 00:09:16.110] Seasonal entrepreneur

[00:09:16.110 – 00:09:17.530] Okay, PBT pula

[00:09:17.530 – 00:09:18.450] Tolak dengan

[00:09:18.450 – 00:09:19.810] Income tax expenses

[00:09:19.810 – 00:09:21.230] Kita ambil paling tinggi

[00:09:21.230 – 00:09:21.890] 24%

[00:09:22.530 – 00:09:23.050] Company

[00:09:23.050 – 00:09:24.110] Dia punya shilling

[00:09:24.110 – 00:09:25.510] Maximum dia 24%

[00:09:25.510 – 00:09:27.130] Penolakan maximum 24%

[00:09:27.130 – 00:09:28.610] So, lepas tolak-tolak-tolak-tolak

[00:09:28.610 – 00:09:29.390] 24%

[00:09:29.390 – 00:09:30.790] Adalah untuk

[00:09:30.790 – 00:09:32.150] itulah

[00:09:32.150 – 00:09:32.690] PAT

[00:09:32.690 – 00:09:33.910] profit

[00:09:33.910 – 00:09:35.150] after tax

[00:09:36.490 – 00:09:37.310] so

[00:09:37.310 – 00:09:37.930] PBT

[00:09:37.930 – 00:09:38.730] before

[00:09:38.730 – 00:09:39.230] PAT

[00:09:39.230 – 00:09:39.910] after

[00:09:39.910 – 00:09:42.070] katalah company tu nak go

[00:09:42.070 – 00:09:42.670] investment

[00:09:42.670 – 00:09:43.290] dia nak

[00:09:43.290 – 00:09:44.150] buat valuation

[00:09:44.150 – 00:09:45.290] biasa kita tengok PAT

[00:09:45.290 – 00:09:47.230] eh berapa awak punya PAT

[00:09:47.230 – 00:09:48.110] profit after tax

[00:09:48.110 – 00:09:49.290] oh profit saya

[00:09:49.290 – 00:09:49.870] after tax

[00:09:49.870 – 00:09:50.790] saya

[00:09:50.790 – 00:09:52.150] coach Adib

[00:09:52.150 – 00:09:53.330] dalam sekitar

[00:09:53.330 – 00:09:54.690] Alhamdulillah

[00:09:54.690 – 00:09:55.290] RM500,000

[00:09:55.290 – 00:09:56.850] saya punya PAT

[00:09:56.850 – 00:09:58.750] adalah RM500,000

[00:09:58.750 – 00:09:59.150] ok

[00:09:59.150 – 00:09:59.890] mantap-mantap

[00:09:59.890 – 00:10:01.830] So saya nak beli company awak ni

[00:10:01.830 – 00:10:03.310] Saya darap dengan 3X je lah

[00:10:03.310 – 00:10:04.590] Itu dah habis generous lah

[00:10:04.590 – 00:10:05.610] Saya darap dengan 2X

[00:10:05.610 – 00:10:07.010] 2X PE

[00:10:07.010 – 00:10:08.450] PE ni price ending ratio

[00:10:08.450 – 00:10:10.290] Maksudnya untung bersih selepas tolak teks

[00:10:10.290 – 00:10:11.750] So saya value dengan company awak

[00:10:11.750 – 00:10:13.070] Adalah RM 1 juta

[00:10:14.690 – 00:10:15.810] Post valuation

[00:10:16.650 – 00:10:18.510] Saya nak beli 20%

[00:10:19.990 – 00:10:22.650] So saya nak beli 20% company awak

[00:10:23.250 – 00:10:24.610] Daripada company anda

[00:10:24.610 – 00:10:25.850] Daripada 20%

[00:10:25.850 – 00:10:28.230] Jadi saya akan bayar RM 200k

[00:10:28.230 – 00:10:29.570] Macam setuju tak?

[00:10:29.890 – 00:10:31.830] Saya nak beli 200k, 20%.

[00:10:31.830 – 00:10:34.530] Setuju? Akad nikah, pak.

[00:10:34.810 – 00:10:38.770] Dengan ini aku terima share-nya dengan dia RM200,000 untuk 20%.

[00:10:38.770 – 00:10:42.150] Untuk post valuation RM100 juta, tunai.

[00:10:42.270 – 00:10:42.830] Haa, contohnya.

[00:10:43.170 – 00:10:44.590] Sebab tu, PAT ni penting.

[00:10:44.890 – 00:10:49.390] Bila nak dapatkan loan, nak dapatkan investor, nak dapatkan apa-apa, dia tengok PAT.

[00:10:50.170 – 00:10:52.190] Ini semua boleh beli dekat SSM.

[00:10:52.490 – 00:10:53.470] Belilah dekat SSM.

[00:10:53.910 – 00:10:57.730] Harga dia dalam RM40, RM30, RM60 macam tu lah.

[00:10:57.990 – 00:10:59.570] Kita boleh tengok setiap company.

[00:10:59.890 – 00:11:01.390] Sebab data ni dia public

[00:11:01.390 – 00:11:02.570] Publicly available

[00:11:02.570 – 00:11:04.230] Kita boleh tengok PAT

[00:11:04.230 – 00:11:05.810] Sebab tu dah kadang-kadang

[00:11:05.810 – 00:11:07.450] PAT ni orang sembunyi kan

[00:11:07.450 – 00:11:09.330] Bila kita ada investor

[00:11:10.810 – 00:11:13.170] Biasanya kita kadang-kadang

[00:11:13.170 – 00:11:15.090] Ter-sabotage company sendiri

[00:11:15.090 – 00:11:16.490] Kita tak nak declare profit tinggi

[00:11:16.490 – 00:11:18.430] Kita akan naikkan gaji owner

[00:11:18.430 – 00:11:19.730] Naikkan claim apa semua

[00:11:19.730 – 00:11:21.130] Dekat kita punya ni

[00:11:21.130 – 00:11:21.710] OPEX ni

[00:11:21.710 – 00:11:23.450] Sebab kita nak kurangkan OP

[00:11:23.450 – 00:11:24.670] Kita nak kurangkan profit

[00:11:24.670 – 00:11:27.030] Kita akan naikkan gaji owner

[00:11:27.030 – 00:11:28.110] Gaji berbagai apa semua

[00:11:28.110 – 00:11:28.690] Sampai eh

[00:11:28.690 – 00:11:29.830] Untung sikit je

[00:11:29.830 – 00:11:30.830] Haa sorry lah

[00:11:30.830 – 00:11:32.450] Kita tak untung sangat hari tu

[00:11:32.450 – 00:11:34.770] Cek wah padahal dah korek-korek sana sini apa semua

[00:11:34.770 – 00:11:36.050] Lepas tu sebab apa

[00:11:36.050 – 00:11:37.530] Tak nak bayar sleeping investor

[00:11:37.530 – 00:11:38.630] Sebab tu lah sleeping investor

[00:11:38.630 – 00:11:39.890] Jangan lebih 20%

[00:11:40.530 – 00:11:40.970] Haa

[00:11:40.970 – 00:11:42.810] Sebab kalau berlebih daripada 20%

[00:11:42.810 – 00:11:44.630] Kita pula ralat nak bayar dividend dia

[00:11:44.630 – 00:11:45.250] Dia lah tak buat apa

[00:11:45.250 – 00:11:46.930] Dia dah lah tidur je kerja dia

[00:11:46.930 – 00:11:47.890] Sleeping investor

[00:11:47.890 – 00:11:48.590] Macam tu lah

[00:11:48.590 – 00:11:49.470] So

[00:11:49.470 – 00:11:50.790] Revenue seoji lah

[00:11:50.790 – 00:11:51.470] Kena perfect effect

[00:11:51.470 – 00:11:51.930] Haa nampak

[00:11:51.930 – 00:11:53.530] Okay dalam dunia account

[00:11:54.050 – 00:11:55.350] Kurungan ni maksudnya negatif

[00:11:55.350 – 00:11:57.410] Haa kalau kita kita buat negatif macam ni kan

[00:11:57.410 – 00:11:58.590] Tapi dalam dunia account

[00:11:58.590 – 00:12:00.270] bila dia buat bracket-bracket

[00:12:00.270 – 00:12:01.110] maksudnya tu tolak

[00:12:01.110 – 00:12:02.090] kalau anda beli

[00:12:02.850 – 00:12:03.770] annual report

[00:12:03.770 – 00:12:06.030] beli audited annual report

[00:12:06.030 – 00:12:07.290] dekat data SSM tu

[00:12:07.290 – 00:12:07.930] dia akan buat

[00:12:07.930 – 00:12:09.250] berapa revenue

[00:12:09.250 – 00:12:10.210] kurungan

[00:12:10.210 – 00:12:11.510] tak ada kurungan

[00:12:11.510 – 00:12:12.110] ada kurungan

[00:12:12.110 – 00:12:13.070] itu maksudnya tolak lah

[00:12:13.070 – 00:12:14.590] so dalam kes ni

[00:12:14.590 – 00:12:15.630] RM4,000 tolak

[00:12:15.630 – 00:12:16.910] RM10,000 tolak RM4,000

[00:12:16.910 – 00:12:17.640] dapat RM6,000

[00:12:18.250 – 00:12:18.970] RM6,000 pula

[00:12:18.970 – 00:12:19.790] tolak dengan OPEC

[00:12:19.790 – 00:12:20.870] dapat RM3,500

[00:12:20.870 – 00:12:21.430] eh

[00:12:21.430 – 00:12:22.410] tolak dengan RM3,500

[00:12:22.410 – 00:12:23.010] dapat RM2,500

[00:12:23.010 – 00:12:23.450] macam tu lah

[00:12:23.450 – 00:12:24.290] PBT dia adalah

[00:12:24.290 – 00:12:25.330] RM2,500

[00:12:25.330 – 00:12:26.130] macam

[00:12:26.130 – 00:12:27.570] contoh dia nak

[00:12:27.570 – 00:12:28.290] retainer client

[00:12:28.290 – 00:12:29.750] dia ada client yang bayar dia

[00:12:29.750 – 00:12:31.310] RM1530 client

[00:12:31.310 – 00:12:32.490] RM45,000

[00:12:32.490 – 00:12:33.770] dia punya COGS

[00:12:33.770 – 00:12:34.270] maksudnya

[00:12:34.270 – 00:12:34.970] cost nak deliver

[00:12:34.970 – 00:12:35.830] product tersebut

[00:12:35.830 – 00:12:36.610] service tersebut

[00:12:36.610 – 00:12:37.330] oh RM18,000

[00:12:37.330 – 00:12:38.010] tolak RM18,000

[00:12:38.010 – 00:12:38.830] ada GP

[00:12:38.830 – 00:12:40.530] gross profit untung kasar dia

[00:12:40.530 – 00:12:41.470] RM27,000

[00:12:41.470 – 00:12:42.470] berapa operasi dia

[00:12:42.470 – 00:12:44.270] oh ok operasi dia tak banyak

[00:12:44.270 – 00:12:45.430] maksudnya staff dia tak ramai ni

[00:12:45.430 – 00:12:47.570] OPEX dia rendah je RM15,000

[00:12:47.570 – 00:12:49.090] tolak oh ada untung RM10,000

[00:12:49.090 – 00:12:49.610] eh ok lah

[00:12:49.610 – 00:12:51.550] kan level-level business macam ni

[00:12:51.550 – 00:12:52.170] ni gaji

[00:12:52.170 – 00:12:52.930] bos ambil berapa

[00:12:52.930 – 00:12:53.890] mungkin ambil RM5,000

[00:12:53.890 – 00:12:54.690] mungkin ambil RM6,000

[00:12:54.690 – 00:12:56.090] staff adalah seorang dua

[00:12:56.090 – 00:12:56.790] so maksudnya

[00:12:56.790 – 00:12:57.750] kita dah boleh

[00:12:57.750 – 00:12:59.410] teka-teka dah. Finance cost.

[00:12:59.530 – 00:13:01.650] Maksudnya dia dah ambil loan ni. Ni ambil loan bank

[00:13:01.650 – 00:13:03.650] ke apa ke. Bayar RM1,200 setiap

[00:13:03.650 – 00:13:05.970] bulan. Ini tak sure lah.

[00:13:06.070 – 00:13:07.510] Ini bulanan. Ini PNL bulanan.

[00:13:07.710 – 00:13:09.330] Maksudnya ini adalah setiap bulan dia bayar

[00:13:09.330 – 00:13:11.650] RM1,200. Maka ada untung

[00:13:11.650 – 00:13:12.210] PBT.

[00:13:13.570 – 00:13:15.410] RM10,000. Faham tak? Macam?

[00:13:15.890 – 00:13:17.670] Bijak tak anda sekarang? Tahniah kerana

[00:13:17.670 – 00:13:19.910] beli panduan ni. Sebarkan lah pada kawan-kawan.

[00:13:20.090 – 00:13:21.310] Yang mana ni tak tengok lagi tengok lah.

[00:13:21.690 – 00:13:23.550] Adik ni orang sale. Tiba-tiba jadi check-go account.

[00:13:24.330 – 00:13:25.390] Sebab saya berdendam.

[00:13:25.590 – 00:13:27.530] Berdendam dengan diri saya sendiri. So, saya

[00:13:27.530 – 00:13:29.110] berikrah untuk sebarkan ilmu

[00:13:29.110 – 00:13:31.190] finance ni kepada seramai mungkin orang.

[00:13:31.410 – 00:13:33.330] Sudah, lagi ramai usahawan. Melayu

[00:13:33.330 – 00:13:35.250] especially, tak kisahlah. Cina, India pun saya

[00:13:35.250 – 00:13:37.290] okay je. Seramai mungkin

[00:13:37.290 – 00:13:39.350] usahawan Malaysia, especially

[00:13:39.350 – 00:13:41.030] Melayu lah, bangsa saya sendiri

[00:13:41.750 – 00:13:43.170] yang celik account.

[00:13:44.130 – 00:13:45.510] Eh, orang

[00:13:45.510 – 00:13:46.630] Melayu ni power marketing.

[00:13:47.050 – 00:13:48.690] Tapi buat account finance ni

[00:13:48.690 – 00:13:51.430] bodoh sikit. Tapi saya perasan

[00:13:51.430 – 00:13:53.230] usahawan Chinese. Dia

[00:13:53.230 – 00:13:55.270] bijak kat bahagian account. Bahagian

[00:13:55.270 – 00:13:57.110] struktur, bahagian corporate governance.

[00:13:57.530 – 00:13:59.370] Tapi dia tak adalah power sangat dekat marketing.

[00:13:59.750 – 00:14:03.550] Sebenarnya usahawan Melayu ni, bukanlah kita nak cakap buruk, bukan guys.

[00:14:03.730 – 00:14:08.270] Tapi kita tengok by, kita panggil culture community intelligence.

[00:14:08.670 – 00:14:13.290] Community usahawan Melayu sangat, sangat bijak dekat marketing.

[00:14:13.650 – 00:14:15.650] Tapi kurang bijak dekat finance.

[00:14:16.030 – 00:14:21.170] Tapi community usahawan Chinese, dia lebih tekankan tentang structure, pengurusan duit.

[00:14:21.510 – 00:14:23.670] Sebab daripada kecil memang dia ajar uruskan duit.

[00:14:24.590 – 00:14:25.250] financial

[00:14:25.250 – 00:14:26.610] apa lah

[00:14:26.610 – 00:14:27.430] financial intelligence

[00:14:27.430 – 00:14:27.830] nampaknya

[00:14:27.830 – 00:14:29.250] financial literacy tinggi

[00:14:29.250 – 00:14:30.470] kebijaksanaan kewangan

[00:14:30.470 – 00:14:31.410] jadi that's why

[00:14:31.410 – 00:14:32.250] tolong sebar kan

[00:14:32.250 – 00:14:33.110] tutorial ni kalau anda

[00:14:33.110 – 00:14:33.850] sederhana bagus

[00:14:33.850 – 00:14:35.330] paksa member sebelah

[00:14:35.330 – 00:14:35.730] beli

[00:14:35.730 – 00:14:36.430] pada muka dia

[00:14:36.430 – 00:14:37.770] jumpa dalam tutorial yang

[00:14:37.770 – 00:14:38.650] seterusnya

[00:14:38.650 – 00:14:39.570] topik yang seterusnya