The cons:-

Saya yang menurut perintah. If suddenly they want me to work somewhere else then nothing I can do about it
And if that place is operating 24h so meaning there will be night shift and less family time.
Quit and open my own pharmacy:
The pros:-

More flexible with my time. No more 8am-5pm routine.
With the right location, the salary can easily triple my current one.

The cons:-

Not secure. Risk of failing is there.
Lost all the benefit from working with gov.
What you guys think? And want to get advice from people with business background here, if i want to open my own pharmacy, what i need to learn first before starting up my own? As for now, except managing inventory i dont have any fundamental skills or knowledges in pharmacy business.

Let me know if my question is not suitable in this thread.

Thanks.

Here's my husband statement

the main reason i am thinking of personal loan is because i do not want to spend my husband money on renovation since he already pay for home loan. After summarize his expenses,i dont think i need to do so. I think i can take from him without paying the interest to bank.