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> berniaga sendiri..macammana dgn loan?, cafe/restoran Serious Talk

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Ovi
post Mar 27 2011, 05:24 PM

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QUOTE(fertzpatrick @ Mar 27 2011, 05:22 PM)
agensi kerajaan mcm  mana contohnya?
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SMIDEC / SME
Ovi
post Mar 27 2011, 05:39 PM

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QUOTE(fertzpatrick @ Mar 27 2011, 05:33 PM)
mara?kalau dari segi loan?mcmmana syarat2 dia bagi?
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not sure, tapi kawan aku dapat loan from SME/SMIDEC


http://www.malaysia.gov.my/EN/Relevant%20T...urBusiness.aspx
Ovi
post Mar 27 2011, 05:43 PM

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QUOTE(fertzpatrick @ Mar 27 2011, 05:41 PM)
criter lah skit mcm mana kawan kau start2 dulu? blush.gif
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aiseh man it was 2 years ago and hes just a colleague back then.. tarak contact anymore
Ovi
post Mar 28 2011, 12:14 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:11 AM)
oh kau nak bukak kafe? aku nak jadik pengimport barang komputer. brows.gif tapikan ikut pengalaman aku.insyallah minggu ni atau depan sampai.

1)TEKUN-Susah nak @#$$%% ada ke patut modal starter pada orang nak jual kuih kat rumah?

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. rclxub.gif 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.

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 komputer bussiness?
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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
Ovi
post Mar 28 2011, 12:32 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:30 AM)
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. smile.gif 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.
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mmg la. itu kan dia punya experience.
the main point skarang dia nak bukak cafe/restaurant bruce.gif
Ovi
post Mar 28 2011, 12:36 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:33 AM)
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.
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yes malays have right to get loan, but everything goes back to cronyism/bribery/politics

Ovi
post Mar 28 2011, 12:37 AM

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QUOTE(itnama @ Mar 28 2011, 12:36 AM)
oh tak pe, aku baca 3 kali baru faham. guess my brain is not that functioning at this hour
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mang u no work tomolo?
Ovi
post Mar 28 2011, 12:38 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:37 AM)
expereince bekerja bawah orang atua niaga sendiri? hmm.gif kalau dia berniaga sendiri then phailed i need to know how can become phailed.its important for my reference.
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tatau aku. ko tunggu la dia reply.. kalau dia nak reply la
Ovi
post Mar 28 2011, 12:44 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:41 AM)
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. rclxub.gif

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? hmm.gif
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SME aku tak sure, tapi kawan aku have to bribe the officer with free service at his workshop everytime he comes then onli his loan got approved hahaha bodoh..
its hard to do business in malaysia if u dont have capital to start with, tambah dengan hukum halal haram riba apa benda sume.. tak slamat akhirat
Ovi
post Mar 28 2011, 12:54 AM

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QUOTE(Futurewyatt @ Mar 28 2011, 12:51 AM)
kawan ko tu membina kabel.mmg orang bank atau mana2 orang buat loan akan diberikan sogokan sebegitu rupa.kadang2 belanja makan.kadang2 free service.tapi kalau orang tu berhenti kerja atau lompat company lain...mmg problem besar la.
mana yang loan besar...bagi la kereta sebijik. rclxms.gif
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cable tak cable its a no no to me,
the hereafter is my ultimate goal

saya makan gaji cukup la.. tak buat bisnes pon takpe
concentrate saham akhirat la pulak
Ovi
post Mar 28 2011, 04:39 PM

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MITI:

PUTRAJAYA 28 Mac - Jumlah pembiayaan maksimum Tabung Usahawan Siswazah (TUS) dinaikkan sekali ganda kepada RM500,000 mulai hari ini berbanding RM250,000 sebelum ini, bagi menarik lebih ramai lepasan institusi pengajian tinggi memohon pembiayaan daripada tabung berkenaan.

sile lah apply
Ovi
post Mar 28 2011, 05:02 PM

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QUOTE(lagenda @ Mar 28 2011, 05:01 PM)
nak apply mana eh?
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sorry beb, aku pon tak sure.. keluar kat paper pasal MITI tu haha
aku usha website haram satu tak faham..
Ovi
post Mar 28 2011, 06:08 PM

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hahaha tu la pasal kan
btw fertz, cukup ke 30k?
ni dah plan abis2 ke ni

This post has been edited by Ovi: Mar 28 2011, 06:10 PM
Ovi
post Mar 28 2011, 06:16 PM

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sila paste dekat funny post kebebalan yang amat ketara

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