xapa..hehehe..yup..business best..thanks bro

perhaps maybe ur parents need to be guarantor for ur loan............why not approach Bank Rakyat or Bank Agro for this...........

bump for more feedback.
goodluck ts.. :grin:

bump because i love fertz.

nak tak nak kena ada modal jugak sikit

ah long bukit beruntung

oh kau nak bukak kafe? aku nak jadik pengimport barang komputer. tapikan ikut pengalaman aku.insyallah minggu ni atau depan sampai.kita sekapal bro-dua2 takde modal pastu dua2 still new dalam bussiness.

1)TEKUN-Susah nak @#$$%% ada ke patut modal starter pada orang nak jual kuih kat rumah? (ni kes ramai orang pinjam tak bayar balik)

2)Koperasi-Ni kena join dulu.ada yuran ada bla bla bla.

3)SME bank-yang ni apa punya pelik.loan 25k dia tak terima.semua nak loan atas 25k. pastu diorang ada Starter edition.ada Micro Edition.ko kena prepared kertas kerja.

4)PUNB-Khas utk Bumiputera.KONONYA pemilik niaga kena sediakan 10% modal terlebih dahulu.pun kena kertas kerja.

apa2hal sekarang ni bro.sebut pasal NEW BUSSINESS sahaja sebut la bank atau agensi2 kerajaan ko bumiputera ke ko nonbumi ke mmg susah! diroang tak yakin dengan orang yang baru nak mulakan niaga.(ramai yang pinjam pastu liat@tak boleh nak bayar balik)nama kompeni pun ENTERPRISE....kalau kompeni SDNBHD pastu ko bayar incometax proses tu agak senang.

mind share ko punya Hp/komputer bussiness?

This post has been edited by Futurewyatt: Mar 28 2011, 12:13 AM

apa benda ko kerepek liao..
dia nak bukak cafe as in macam bistro tu kot.. takde kene mengena dgn komputer
SME punya loan depends on availability.. sometimes ko apply they said dah kuota sudah full
paling penting paper work lah

bang, bm kamu sungguh berkuasa. saya kurang faham.
macam nak terang tak nak terang je.

try ask from TEKUN?
last time my dad bukak bisnes but sell of that bisnes to frens because cant tahan work with no cuti.

but he just take loan around 10k maybe?

and yes, try collect as many contact for sng nak kembangkan bisnes.

pergi tengok post nombor 11#.dia pernah niaga HP dan komputer before.but he didnt say its failed or its sucessful.some people dont have primary directive in bussiness...dia tengok ahchong niaga dia pun sibuk nak niaga. some person do a bussiness because its the bussiness itself start from hobby.someperson belajar tak pandai.result not good.so ending..berniaga.

Have bear in mind.Bussiness and Interest(hobby) its a different.

Money Laundry nak bersihkan duit kotor@haram pun ....BERNIAGA.

This post has been edited by Futurewyatt: Mar 28 2011, 12:31 AM

mmg la. itu kan dia punya experience.
the main point skarang dia nak bukak cafe/restaurant

u bumiputera ke? if u bumiputera u can exactly understand what i talk about.Bumiputera have special ability get some loan or some capital from goverment.tapi biokrasi kuat.kadang2 ada unsur2 politik.

oh tak pe, aku baca 3 kali baru faham. guess my brain is not that functioning at this hour

yes malays have right to get loan, but everything goes back to cronyism/bribery/politics

expereince bekerja bawah orang atua niaga sendiri? kalau dia berniaga sendiri then phailed i need to know how can become phailed.its important for my reference.

mang u no work tomolo?

tatau aku. ko tunggu la dia reply.. kalau dia nak reply la

aku pergi tekun.diorang HANYA bagi modal pusingan.modal starter sori takde.(ni kes ramai pinjam pastu tak bayar) tapi kalau ko niaga uptown atau pasar malam...ko ada lesen niaga pasar malam...diorang boleh bagi loan.

kalau tak salah aku loan TEKUN paling murah sekali.4% setahun.pastu bayaran boleh pilih nak bulan? minggu?

tapikan...aku nak tanya sikit.Kalau buat kertas kerja bussiness...nowdays bussiness not like 10 years ago...nowdays very comeptitve.kos barang pun mahal...so it could be mempengaruhi keputusan pihak SME bank meluluskan loan?

ask parents buat microcredit loan?