QUOTE(fertzpatrick @ Mar 27 2011, 05:22 PM)
SMIDEC / SME
berniaga sendiri..macammana dgn loan?, cafe/restoran Serious Talk
berniaga sendiri..macammana dgn loan?, cafe/restoran Serious Talk
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Mar 27 2011, 05:24 PM
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Mar 27 2011, 05:39 PM
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QUOTE(fertzpatrick @ Mar 27 2011, 05:33 PM) not sure, tapi kawan aku dapat loan from SME/SMIDEChttp://www.malaysia.gov.my/EN/Relevant%20T...urBusiness.aspx |
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Mar 27 2011, 05:43 PM
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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. apa benda ko kerepek liao..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. 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? 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 |
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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. mmg la. itu kan dia punya experience.Have bear in mind.Bussiness and Interest(hobby) its a different. Money Laundry nak bersihkan duit kotor@haram pun ....BERNIAGA. the main point skarang dia nak bukak cafe/restaurant |
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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. yes malays have right to get loan, but everything goes back to cronyism/bribery/politics |
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Mar 28 2011, 12:37 AM
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Mar 28 2011, 12:38 AM
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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. 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..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? 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 |
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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. cable tak cable its a no no to me, mana yang loan besar...bagi la kereta sebijik. the hereafter is my ultimate goal saya makan gaji cukup la.. tak buat bisnes pon takpe concentrate saham akhirat la pulak |
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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 |
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Mar 28 2011, 05:02 PM
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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 |
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Mar 28 2011, 06:16 PM
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sila paste dekat funny post kebebalan yang amat ketara
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