Bermula Ogos 2010 saya dan Zack akan memulakan perniagaan baru... barangan golf-murah!
Antara barangan yang dijual seperti
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Friday, July 30, 2010
Pro Shop Golf-Murah!
Bermula Ogos 2010 saya dan Zack akan memulakan perniagaan baru... barangan golf-murah!
Senarai barangan dan harga akan diupload sedikit masa lagi....
Saturday, October 17, 2009
Islamic finance growth seen 10-20 per cent in three years: study
By Reuters on Friday, October 16, 2009 Most executives involved in Islamic finance expect the industry to grow by between 10 and 20 percent over the next three years, a survey published by accountancy firm BDO showed on Thursday.
The study, based on responses from 173 financial services executives active in the sector, found that 53 percent expected 10 and 20 percent growth while another 22 percent felt the industry could grow by 20-30 percent or more.
Some 23 percent felt it would experience growth of 0-10 percent, or no growth at all.
The Islamic finance industry is estimated to be worth about $1 trillion and is dominated by the issuance of Islamic bonds, or sukuk. Growth, however, has been held back by a shortage of expertise and poor harmonisation of the criteria applied to products, the survey respondents said.
Islamic products must be endorsed by scholars able to interpret sharia law and understand the technicalities of financial products.
The industry has struggled to agree on a set of common principles as it is governed by a patchwork of national regulators, standard-setting industry bodies and individual scholars ruling on products and contracts.
Due to different interpretations of the sharia or Islamic law in different regions, a financial product accepted by one set of scholars could be rejected by others. These discrepancies make cross-border distribution difficult.
AAOIFI, a Bahrain-based body responsible for accounting, auditing and governance standards in Islamic finance, is setting up a committee which will try to establish common guidelines in the industry.
"We feel that these differences are damaging our credibility severely within the Muslim (world) and outside," said Mohamad Nedal Alchaar, AAOIFI secretary general, who attended the presentation of the survey results.
The committee will include representatives of scholars, lawyers, auditors, regulators and bankers who from next year will sieve through financial products and gauge their compliance with Islamic principles.
AAOIFI's standards are adopted in some Middle Eastern markets, including the Dubai International Financial Centre.
The committee will seek to convince providers to alter products it deems inappropriate but will be prepared to go public with its concerns if no progress is made.
The BDO survey respondents picked out Islamic retail loans as the product with most revenue potential, while Islamic insurance, or takaful, was the next most popular. Sukuk were only fourth on the list, behind Islamic mortgages.
Source: http://www.business24-7.ae/pages/default.aspx
Tuesday, August 4, 2009
INCEIF tackles challenges of human capital development
Source: http://www.zawya.com
03 August 2009
The Kuala Lumpur-based International Center for Education in Islamic Finance (INCEIF), an educational trust which has university status under Malaysian law, has ambitions of becoming the Islamic finance educational equivalent of INSEAD in France and Harvard Business School in the US.
INCEIF is effectively the training arm of Bank Negara Malaysia, the central bank. Since its establishment in 2006, it has spearheaded the human capital challenge not only of the Islamic finance industry in Malaysia but also globally, for INCEIF graduates come from all over the world and include both Muslims and non-Muslims. Its prime objective is not only to produce top Islamic finance graduates who will command premium salaries, but also academics who will teach the next generation of Islamic bankers. Agill Natt, chief executive officer of INCEIF, discusses the rationale behind the establishment of INCEIF, its structure and progress thus far, and the challenges that lie ahead not only for INCEIF but also for the human capital development in the global industry.
Excerpts:
When did you start and what is the rationale behind the establishment of INCEIF?
We started in mid-2006 when we had our first intake of CIP (Chartered Islamic Finance Professional) Qualification students. Our founding fathers recognized that Islamic finance is growing at a rapid pace. Many financial institutions stressed that they could not afford for some of their staff to go into full time training and courses, and asked INCEIF if it could structure an online distance-learning course on Islamic finance. That is how we started. But since June 2007, we have also been offering full-time courses because we wanted to better utilize the time and expertise of our faculty members. Currently we have 1,200 registered students. The first group of CIP students graduated in February 2009. The bulk of our students do the distance-learning course, but an increasing numbers are now opting for full-time courses. In June 2009 we had an intake of another 70 students for our full-time program. At the moment, some 30 percent of the students are non-Malaysian and we also have a small number of non-Muslim students. Our aim is to increase the number of non-Muslims and non-Malaysian students at INCEIF. In the first group of graduates, we had students from Yemen, Syria, Indonesia and Thailand. Now we have students from Japan, Hong Kong, CIS, Europe, Thailand and the Middle East. In fact, the President's Award for the Best Student in the CIP in the first group of graduates went to a non-Muslim student. In addition, we have also started to offer Masters and PhD programs.
Are your courses accredited and recognized and what is the language of tuition?
All our qualifications are recognized by the Malaysian Qualifications Agency (MQA). We are not an undergraduate institution but a post-graduate one. CIP is recognized as the equivalent to a master's program by the MQA, which allows holders of such a certificate to register for a PhD program, either at INCEIF or at Malaysian universities. Some 50 percent of the Master's program participants are non-Malaysian. The Master's program is either done by course work and dissertation or by fulltime research, in which case students must have the relevant number of years' experience. Our Master's program is a full-time course at our city campus. We are training international finance professionals and thus we felt that we should stick to English because it is the language of international finance and business. However, we have had requests to give the courses in other languages.
Do you have any links with other universities and institutions abroad?
We have links with many foreign institutions, especially in Pakistan, Indonesia, UAE, Bahrain, Syria, Iran, where they are either adopting our program or adapting it to suit their local needs. We provide them with the program - the curriculum and teaching materials. So far we have no such collaboration with a Saudi university. One of the issues in Saudi Arabia is the language. But here are many candidates with a high proficiency in English so we are exploring possible collaboration for the future.
Islamic finance graduates always complain about the difficulty of finding jobs after they qualify. Is there a mismatch between graduates and employment possibilities?
We encourage more Shariah graduates to pursue careers in banking. True, traditionally the way into Islamic banking has been through the conventional banking sector. Ten years ago, there were no universities offering Islamic finance as a discipline. The banks had no choice but to recruit from conventional banks. The downside was that these recruits had no grounding in Shariah matters. They had to unlearn and relearn. Our terms of reference are to create a new breed of bankers. Our intake profile also shows a good number from other disciplines such as law, accountancy etc. In terms of our graduates, they have been snapped up very quickly but the economic downturn has affected recruitment. The good times will come back and these people will get jobs in the market. The best accolade for us is when our graduates get snapped up and are paid a premium. This is how I am going to measure the benchmark.
Do you have any aspirations of becoming the Islamic INSEAD or Harvard Business School?
That is our vision but those two institutions have a long history and resources. If anybody thinks of Islamic financial education, we would like them to think it is INCEIF. The best accolade is industry recognition.
What is your staff structure?
At INCEIF and our sister institution, ISRA (International Shariah Research Academy), which is part of our university, we have 29 faculty members, of whom 85 percent have PhD degrees. INCEIF has been accorded university status under the Private Education Act of Malaysia.
How does INCEIF deal with cross cultural issues including questions dealing with Shariah interpretations of various Schools of Islamic Law?
Malaysia has the biggest product range in the Islamic finance industry in the world. But the body of knowledge in Islamic finance is everywhere. We try not to be too Malaysia-centric. Islamic finance is all about contracts. If you look at the various jurisdictions, not all the regulatory, legal, tax and other infrastructure is in place. We can't help being a bit Malaysian-centric because the market is the most advanced from a systemic point of view. We try to cover the various conventions and to compare the practice in different markets. The root of the Shariah is the Qur'an, Hadith and the Sunnah. We take great pains to go through the historical developments of all four Sunni Schools of Islamic Law. We do not take sides or push one particular school of law. We explain the development and context in which certain contracts are practiced in whichever part of the world and why. The aim is make the students understand why differences occur. After all we are training them to work in the global market.
How do you see the state of education in Islamic finance?
One major problem is there is no uniform standard. There is an urgent need for a global initiative in order to set a standard. Quite a number of organizations are coming up with various courses - some rudimentary, some intermediary, and some at higher standards. It is not for me to comment on the others. We are trying to teach the theory, practice and the Shariah aspects. I would advise prospective candidates to scrutinize the curriculum, the courses, resources, staff etc. before they enroll for a particular course in Islamic finance. Unfortunately, it seems anybody can set up courses and claim that they are offering expert tuition. When it comes to a uniform standard, the industry has to step in and make sure it is at the required level that it requires. What is absent is the standard-setting board for everyone. I don't know how this will be solved. At present, it is best for the standard-setting board in each country to oversee this.
What about the state of university education in Islamic finance?
One reason why we offering Masters and PhD courses is that we also want to produce teachers for the future. I suppose one of the problems for universities is that they have not been able to recruit enough academic staff qualified in Islamic finance. Shariah graduates have to be retrained in Fiqh Al-Muamalat issues. It is a question of Shariah education as well.
Can you expand on the cooperation which you engaged in with Reading University in the UK?
Our cooperation is not based on one size fits all, but depends on the university and country. The core basis is the sharing of intellectual property - curriculum and content. There is no point in each one reinventing the wheel. The important thing is that the curriculum can be adopted or adapted depending on the legal framework of each country or institution. The qualification can be theirs or ours or joint. In the case of Reading University, we are jointly offering a 1-Year Masters (MSc) in Investment Banking and Islamic Finance. Two terms are spent on the campus at Reading University and one term at INCEIF in Kuala Lumpur. In Indonesia and Bahrain, we run our program jointly with local universities.
By Mushtak Parker
© Arab News 2009
03 August 2009
The Kuala Lumpur-based International Center for Education in Islamic Finance (INCEIF), an educational trust which has university status under Malaysian law, has ambitions of becoming the Islamic finance educational equivalent of INSEAD in France and Harvard Business School in the US.
INCEIF is effectively the training arm of Bank Negara Malaysia, the central bank. Since its establishment in 2006, it has spearheaded the human capital challenge not only of the Islamic finance industry in Malaysia but also globally, for INCEIF graduates come from all over the world and include both Muslims and non-Muslims. Its prime objective is not only to produce top Islamic finance graduates who will command premium salaries, but also academics who will teach the next generation of Islamic bankers. Agill Natt, chief executive officer of INCEIF, discusses the rationale behind the establishment of INCEIF, its structure and progress thus far, and the challenges that lie ahead not only for INCEIF but also for the human capital development in the global industry.
Excerpts:
When did you start and what is the rationale behind the establishment of INCEIF?
We started in mid-2006 when we had our first intake of CIP (Chartered Islamic Finance Professional) Qualification students. Our founding fathers recognized that Islamic finance is growing at a rapid pace. Many financial institutions stressed that they could not afford for some of their staff to go into full time training and courses, and asked INCEIF if it could structure an online distance-learning course on Islamic finance. That is how we started. But since June 2007, we have also been offering full-time courses because we wanted to better utilize the time and expertise of our faculty members. Currently we have 1,200 registered students. The first group of CIP students graduated in February 2009. The bulk of our students do the distance-learning course, but an increasing numbers are now opting for full-time courses. In June 2009 we had an intake of another 70 students for our full-time program. At the moment, some 30 percent of the students are non-Malaysian and we also have a small number of non-Muslim students. Our aim is to increase the number of non-Muslims and non-Malaysian students at INCEIF. In the first group of graduates, we had students from Yemen, Syria, Indonesia and Thailand. Now we have students from Japan, Hong Kong, CIS, Europe, Thailand and the Middle East. In fact, the President's Award for the Best Student in the CIP in the first group of graduates went to a non-Muslim student. In addition, we have also started to offer Masters and PhD programs.
Are your courses accredited and recognized and what is the language of tuition?
All our qualifications are recognized by the Malaysian Qualifications Agency (MQA). We are not an undergraduate institution but a post-graduate one. CIP is recognized as the equivalent to a master's program by the MQA, which allows holders of such a certificate to register for a PhD program, either at INCEIF or at Malaysian universities. Some 50 percent of the Master's program participants are non-Malaysian. The Master's program is either done by course work and dissertation or by fulltime research, in which case students must have the relevant number of years' experience. Our Master's program is a full-time course at our city campus. We are training international finance professionals and thus we felt that we should stick to English because it is the language of international finance and business. However, we have had requests to give the courses in other languages.
Do you have any links with other universities and institutions abroad?
We have links with many foreign institutions, especially in Pakistan, Indonesia, UAE, Bahrain, Syria, Iran, where they are either adopting our program or adapting it to suit their local needs. We provide them with the program - the curriculum and teaching materials. So far we have no such collaboration with a Saudi university. One of the issues in Saudi Arabia is the language. But here are many candidates with a high proficiency in English so we are exploring possible collaboration for the future.
Islamic finance graduates always complain about the difficulty of finding jobs after they qualify. Is there a mismatch between graduates and employment possibilities?
We encourage more Shariah graduates to pursue careers in banking. True, traditionally the way into Islamic banking has been through the conventional banking sector. Ten years ago, there were no universities offering Islamic finance as a discipline. The banks had no choice but to recruit from conventional banks. The downside was that these recruits had no grounding in Shariah matters. They had to unlearn and relearn. Our terms of reference are to create a new breed of bankers. Our intake profile also shows a good number from other disciplines such as law, accountancy etc. In terms of our graduates, they have been snapped up very quickly but the economic downturn has affected recruitment. The good times will come back and these people will get jobs in the market. The best accolade for us is when our graduates get snapped up and are paid a premium. This is how I am going to measure the benchmark.
Do you have any aspirations of becoming the Islamic INSEAD or Harvard Business School?
That is our vision but those two institutions have a long history and resources. If anybody thinks of Islamic financial education, we would like them to think it is INCEIF. The best accolade is industry recognition.
What is your staff structure?
At INCEIF and our sister institution, ISRA (International Shariah Research Academy), which is part of our university, we have 29 faculty members, of whom 85 percent have PhD degrees. INCEIF has been accorded university status under the Private Education Act of Malaysia.
How does INCEIF deal with cross cultural issues including questions dealing with Shariah interpretations of various Schools of Islamic Law?
Malaysia has the biggest product range in the Islamic finance industry in the world. But the body of knowledge in Islamic finance is everywhere. We try not to be too Malaysia-centric. Islamic finance is all about contracts. If you look at the various jurisdictions, not all the regulatory, legal, tax and other infrastructure is in place. We can't help being a bit Malaysian-centric because the market is the most advanced from a systemic point of view. We try to cover the various conventions and to compare the practice in different markets. The root of the Shariah is the Qur'an, Hadith and the Sunnah. We take great pains to go through the historical developments of all four Sunni Schools of Islamic Law. We do not take sides or push one particular school of law. We explain the development and context in which certain contracts are practiced in whichever part of the world and why. The aim is make the students understand why differences occur. After all we are training them to work in the global market.
How do you see the state of education in Islamic finance?
One major problem is there is no uniform standard. There is an urgent need for a global initiative in order to set a standard. Quite a number of organizations are coming up with various courses - some rudimentary, some intermediary, and some at higher standards. It is not for me to comment on the others. We are trying to teach the theory, practice and the Shariah aspects. I would advise prospective candidates to scrutinize the curriculum, the courses, resources, staff etc. before they enroll for a particular course in Islamic finance. Unfortunately, it seems anybody can set up courses and claim that they are offering expert tuition. When it comes to a uniform standard, the industry has to step in and make sure it is at the required level that it requires. What is absent is the standard-setting board for everyone. I don't know how this will be solved. At present, it is best for the standard-setting board in each country to oversee this.
What about the state of university education in Islamic finance?
One reason why we offering Masters and PhD courses is that we also want to produce teachers for the future. I suppose one of the problems for universities is that they have not been able to recruit enough academic staff qualified in Islamic finance. Shariah graduates have to be retrained in Fiqh Al-Muamalat issues. It is a question of Shariah education as well.
Can you expand on the cooperation which you engaged in with Reading University in the UK?
Our cooperation is not based on one size fits all, but depends on the university and country. The core basis is the sharing of intellectual property - curriculum and content. There is no point in each one reinventing the wheel. The important thing is that the curriculum can be adopted or adapted depending on the legal framework of each country or institution. The qualification can be theirs or ours or joint. In the case of Reading University, we are jointly offering a 1-Year Masters (MSc) in Investment Banking and Islamic Finance. Two terms are spent on the campus at Reading University and one term at INCEIF in Kuala Lumpur. In Indonesia and Bahrain, we run our program jointly with local universities.
By Mushtak Parker
© Arab News 2009
Friday, March 27, 2009
Thailand To Issue Sukuk Bonds
Source:
BANGKOK, March 26 (Bernama) -- The Islamic Bank of Thailand (IBT) plans to rise between US$70 million to US$200 million via Sukuk Islamic bonds in Malaysia and Middle East countries by this year.Malaysia's second largest banking group CIMB, and its newly acquired BankThai, had approached the IBT to launch the Sukuk bond in Malaysia.IBT chairman Professor Somchai Virunhapol said this would be the first time Thailand was issuing Sukuk bonds, adding that other targeted countries besides Malaysia were Kuwait, Bahrain and the United Arab Emirates (UAE)."We have already held talks with CIMB on the scope of cooperation, but no figures have been discussed as yet. Similarly, we received very good response from the Middle East countries during our visit there a month ago," he said on the sidelines of the Third Thailand Islamic Finance Conference here today.According to reports, in 2007 alone, CIMB arranged more than US$4.96 billion worth of Islamic bonds globally, equivalent to 16 percent of the world market, and of which US$4.67 billion was issued in Malaysia.The global Islamic financing products are estimated at US$1 trillion, with annual growth of between 10 to 15 percent.Somchai said there were big potential for Sukuk bonds and other Shariah compliant financing products in the country.The Thai government, he added, had estimated that about 20 percent of financing for a projected US$100 billion investment in mega projects over the next 10 years, would come from such financing products.About 50 percent of the investment is expected to go towards the transportation sector, namely for the construction of new railway tracks and trains, subway lines and airport, as well as 25 percent each for the energy and other sectors.According to Somchai, even though the world was experiencing an economic crisis, which had affected the conventional financing system, the Islamic bond market remained strong, especially in the cash-rich Middle East countries.He also said that the IBT planned to open three new branches this year from its current 26, adding that it currently has over 100,000 savings account holders."There are about eight million Muslims in Thailand and we are tapping a niche market with very big potential," he explained.Somchai, however, said that the Thai Finance Ministry had to waive taxes such as the specific business tax and capital gains tax before Sukuk bonds could be issued.The IBT was established in 2003 to offer financial services in compliance with Islamic law and to serve the country's Muslim population.The Thai Finance Ministry is the largest shareholder with a 48.54 percent stake in the bank.
BANGKOK, March 26 (Bernama) -- The Islamic Bank of Thailand (IBT) plans to rise between US$70 million to US$200 million via Sukuk Islamic bonds in Malaysia and Middle East countries by this year.Malaysia's second largest banking group CIMB, and its newly acquired BankThai, had approached the IBT to launch the Sukuk bond in Malaysia.IBT chairman Professor Somchai Virunhapol said this would be the first time Thailand was issuing Sukuk bonds, adding that other targeted countries besides Malaysia were Kuwait, Bahrain and the United Arab Emirates (UAE)."We have already held talks with CIMB on the scope of cooperation, but no figures have been discussed as yet. Similarly, we received very good response from the Middle East countries during our visit there a month ago," he said on the sidelines of the Third Thailand Islamic Finance Conference here today.According to reports, in 2007 alone, CIMB arranged more than US$4.96 billion worth of Islamic bonds globally, equivalent to 16 percent of the world market, and of which US$4.67 billion was issued in Malaysia.The global Islamic financing products are estimated at US$1 trillion, with annual growth of between 10 to 15 percent.Somchai said there were big potential for Sukuk bonds and other Shariah compliant financing products in the country.The Thai government, he added, had estimated that about 20 percent of financing for a projected US$100 billion investment in mega projects over the next 10 years, would come from such financing products.About 50 percent of the investment is expected to go towards the transportation sector, namely for the construction of new railway tracks and trains, subway lines and airport, as well as 25 percent each for the energy and other sectors.According to Somchai, even though the world was experiencing an economic crisis, which had affected the conventional financing system, the Islamic bond market remained strong, especially in the cash-rich Middle East countries.He also said that the IBT planned to open three new branches this year from its current 26, adding that it currently has over 100,000 savings account holders."There are about eight million Muslims in Thailand and we are tapping a niche market with very big potential," he explained.Somchai, however, said that the Thai Finance Ministry had to waive taxes such as the specific business tax and capital gains tax before Sukuk bonds could be issued.The IBT was established in 2003 to offer financial services in compliance with Islamic law and to serve the country's Muslim population.The Thai Finance Ministry is the largest shareholder with a 48.54 percent stake in the bank.
Friday, January 9, 2009
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Wednesday, January 7, 2009
Apa yang Anda Perlu Tahu Pasal Duit ?
Dipetik daripada : http://www.pakdi.my
Anda barangkali kadang-kadang keliru apabila disebut pasal duit.
Buat duit ?
Berapa duit ada ?
Selalunya anda tahu macam mana nak buat duit. Iaitu mempunyai pendapatan. Mencari pekerjaan yang boleh memberikan pendapatan bulanan. Buat bisnes yang boleh berikan pendapatan sampingan.
Income
Dapat duit gaji bulan-bulan itu adalah income.
Dapat duit sewa dari rumah itu adalah income.
Dapat dividen dari saham itu adalah income.
Dapat royalti dari penulisan buku, lirik dan sebagainya adalah income.
Dapat pendapatan dari hasil jualan bisnes juga adalah income.
Tapi bila anda ditanya berapa duit anda ada ? Ia merujuk kepada …
Berapa simpanan dalam akaun bank anda?
Berapa nilai duit dalam Tabung Haji?
Berapa banyak duit dalam ASB ?
Berapa ringgit nilai saham yang anda pegang ?
Ia adalah
Aset
Kalau jumlah perbelanjaan bulanan anda adalah RM 2,000 sebulan dan anda mempunyai RM 10,000 dalam akaun bank. Ia bermaksud anda mempunyai simpanan yang bersamaan kos kehidupan anda selama 5 bulan.
10 tahun dulu, anda membeli rumah teres 2 tingkat dengan harga RM 180,000. Sekarang pasaraya Jusco hanya 1km dari rumah anda. Nilainya kini meningkat menjadi RM 280,000. Tetapi disebabkan rumah nilainya tidak berapa nak cair (liquid), jadinya nilai RM 280,000 itu hanyalah anggaran sahaja. Duit dalam tangan anda yang sebenar hanya diketahui selepas rumah tersebut dijual.
Begitu juga dengan saham. Saham amanah. Selagi mana pegangan saham anda belum dijual, ia hanya berbentuk paper profit atau paper loss sahaja. Real profit atau real loss hanya bila anda jual pegangan saham anda.
Tetapi ramai orang selalu lupa satu perkara. Dan saya mahu anda untuk sentiasa ingat
Aliran Tunai (Cashflow)
Ini adalah komponen yang paling penting.
Yang menghubungkan antara buat duit dan berapa duit yang anda akan ada. Yang akan menentukan berapa banyak aset yang akan ada untuk tahun-tahun akan datang.
Buat duit banyak pun, tapi tidak jaga aliran tunai, maka akhirnya tidak akan ada duit dalam tangan.
RM 10,000 (pendapatan)
-RM 11,000 (perbelanjaan)
(RM 1,000) (tiada duit dalam tangan)
Jadinya, aliran tunai anda adalah negatif.
Anda perlu jadikan ia begini
RM 2,000 (pendapatan)
-RM 1,500 (perbelanjaan)
RM 500 (duit dalam tangan)
Jadinya, aliran tunai anda adalah positif.
Dan cara yang termudah untuk hasilkan keadaan begini adalah pay yourself first.
RM 2,000 (pendapatan)
-RM 500 (duit dalam tangan)
RM 1,500 (perbelanjaan)
Amalkan sampai mati.
Jadi, sampai bila-bila pun anda tidak akan short duit pada hujung bulan. Malah, anda akan tinggalkan anak-anak anda dan isteri anda dalam keadaan yang tidak meminta-minta sebab simpanan anda mencukupi untuk mereka. Kalau sudah ada takaful maka mereka boleh dapat lagi lebih. Senang anak-anak nak sambung pelajaran ke universiti walaupun anda sudah tiada nanti.
Jadi, bila anda sudah faham. Maka bila nak terlibat dalam pelaburan hartanah maka anda cuma tiru formula yang sama.
RM 1,000 (pendapatan sewa)
-RM 750 (installment bank + kos lain)
RM 250 (duit dalam tangan)
Jadi aliran tunai untuk pelaburan rumah anda adalah positif.
Itulah jenis pelaburan yang mesti anda buat.
Untuk bisnes pula
RM 10,000 (jualan)
-RM 4,500 (kos bisnes)
RM 5,500 (duit dalam tangan)
Jadinya, bisnes anda akan terus maju dan maju. Sebab untungnya besar. Aliran tunai anda jaga. Tak perlu meminjam. Boleh guna duit yang ada dalam tangan untuk buat pelaburan bisnes yang lain macam nak tambah cawangan. Cawangan bisnes. Bukan cawangan lain ye..
Untuk saham
RM 10,000 (modal)
-RM 600 (dividen / keuntungan bersih selepas jualan)
RM 10,600 (nilai portfolio yang baru)
Jadi ini yang anda perlu tahu pasal duit.
Pendapatan.Aset.Aliran tunai.
Walaupun pendapatan anda kecil, tetapi anda jaga aliran tunai, maka aset akan akan terus berkembang.
Tetapi sekiranya anda berpendapatan besar sekalipun, tidak jaga aliran tunai, maka anda tidak akan ada aset.
Dan yang lebih baik adalah, anda ada pendapatan besar, jaga aliran tunai, maka anda akan jadi jutawan.
Amacam ?
Untuk situasi anda, apa yang perlu anda buat segera ?
Tambah pendapatan ?
Kawal aliran tunai ?
Atau kedua-duanya sekali ?
p.s. Zakat dikenakan ke atas pendapatan atau aset ?
p.p.s Cukai dikenakan ke atas aset atau pendapatan ?
Anda barangkali kadang-kadang keliru apabila disebut pasal duit.
Buat duit ?
Berapa duit ada ?
Selalunya anda tahu macam mana nak buat duit. Iaitu mempunyai pendapatan. Mencari pekerjaan yang boleh memberikan pendapatan bulanan. Buat bisnes yang boleh berikan pendapatan sampingan.
Income
Dapat duit gaji bulan-bulan itu adalah income.
Dapat duit sewa dari rumah itu adalah income.
Dapat dividen dari saham itu adalah income.
Dapat royalti dari penulisan buku, lirik dan sebagainya adalah income.
Dapat pendapatan dari hasil jualan bisnes juga adalah income.
Tapi bila anda ditanya berapa duit anda ada ? Ia merujuk kepada …
Berapa simpanan dalam akaun bank anda?
Berapa nilai duit dalam Tabung Haji?
Berapa banyak duit dalam ASB ?
Berapa ringgit nilai saham yang anda pegang ?
Ia adalah
Aset
Kalau jumlah perbelanjaan bulanan anda adalah RM 2,000 sebulan dan anda mempunyai RM 10,000 dalam akaun bank. Ia bermaksud anda mempunyai simpanan yang bersamaan kos kehidupan anda selama 5 bulan.
10 tahun dulu, anda membeli rumah teres 2 tingkat dengan harga RM 180,000. Sekarang pasaraya Jusco hanya 1km dari rumah anda. Nilainya kini meningkat menjadi RM 280,000. Tetapi disebabkan rumah nilainya tidak berapa nak cair (liquid), jadinya nilai RM 280,000 itu hanyalah anggaran sahaja. Duit dalam tangan anda yang sebenar hanya diketahui selepas rumah tersebut dijual.
Begitu juga dengan saham. Saham amanah. Selagi mana pegangan saham anda belum dijual, ia hanya berbentuk paper profit atau paper loss sahaja. Real profit atau real loss hanya bila anda jual pegangan saham anda.
Tetapi ramai orang selalu lupa satu perkara. Dan saya mahu anda untuk sentiasa ingat
Aliran Tunai (Cashflow)
Ini adalah komponen yang paling penting.
Yang menghubungkan antara buat duit dan berapa duit yang anda akan ada. Yang akan menentukan berapa banyak aset yang akan ada untuk tahun-tahun akan datang.
Buat duit banyak pun, tapi tidak jaga aliran tunai, maka akhirnya tidak akan ada duit dalam tangan.
RM 10,000 (pendapatan)
-RM 11,000 (perbelanjaan)
(RM 1,000) (tiada duit dalam tangan)
Jadinya, aliran tunai anda adalah negatif.
Anda perlu jadikan ia begini
RM 2,000 (pendapatan)
-RM 1,500 (perbelanjaan)
RM 500 (duit dalam tangan)
Jadinya, aliran tunai anda adalah positif.
Dan cara yang termudah untuk hasilkan keadaan begini adalah pay yourself first.
RM 2,000 (pendapatan)
-RM 500 (duit dalam tangan)
RM 1,500 (perbelanjaan)
Amalkan sampai mati.
Jadi, sampai bila-bila pun anda tidak akan short duit pada hujung bulan. Malah, anda akan tinggalkan anak-anak anda dan isteri anda dalam keadaan yang tidak meminta-minta sebab simpanan anda mencukupi untuk mereka. Kalau sudah ada takaful maka mereka boleh dapat lagi lebih. Senang anak-anak nak sambung pelajaran ke universiti walaupun anda sudah tiada nanti.
Jadi, bila anda sudah faham. Maka bila nak terlibat dalam pelaburan hartanah maka anda cuma tiru formula yang sama.
RM 1,000 (pendapatan sewa)
-RM 750 (installment bank + kos lain)
RM 250 (duit dalam tangan)
Jadi aliran tunai untuk pelaburan rumah anda adalah positif.
Itulah jenis pelaburan yang mesti anda buat.
Untuk bisnes pula
RM 10,000 (jualan)
-RM 4,500 (kos bisnes)
RM 5,500 (duit dalam tangan)
Jadinya, bisnes anda akan terus maju dan maju. Sebab untungnya besar. Aliran tunai anda jaga. Tak perlu meminjam. Boleh guna duit yang ada dalam tangan untuk buat pelaburan bisnes yang lain macam nak tambah cawangan. Cawangan bisnes. Bukan cawangan lain ye..
Untuk saham
RM 10,000 (modal)
-RM 600 (dividen / keuntungan bersih selepas jualan)
RM 10,600 (nilai portfolio yang baru)
Jadi ini yang anda perlu tahu pasal duit.
Pendapatan.Aset.Aliran tunai.
Walaupun pendapatan anda kecil, tetapi anda jaga aliran tunai, maka aset akan akan terus berkembang.
Tetapi sekiranya anda berpendapatan besar sekalipun, tidak jaga aliran tunai, maka anda tidak akan ada aset.
Dan yang lebih baik adalah, anda ada pendapatan besar, jaga aliran tunai, maka anda akan jadi jutawan.
Amacam ?
Untuk situasi anda, apa yang perlu anda buat segera ?
Tambah pendapatan ?
Kawal aliran tunai ?
Atau kedua-duanya sekali ?
p.s. Zakat dikenakan ke atas pendapatan atau aset ?
p.p.s Cukai dikenakan ke atas aset atau pendapatan ?
Apakah Impian Anda
Hari ini saya menerima email daripada Mas Dino seperti di bawah. Setelah difikir saya akan jadikan blog ini sebagai tempat berkongsi maklumat yang saya terima daripada mereka yang telah berjaya dalam dunia e-business.
Assalamualaikum dan Salam Sejahtera,
Assalamualaikum dan Salam Sejahtera,
Ali Badron,
Pada hari ini saya ingin mengajarkan anda apa itu impian.
Perkataan yang kita selalu dengar, namun ramai
yang belum tahu apakah sebenarnya impian.
Impian adalah senjata paling ampuh dalam kita
mencapai apa sahaja, di dunia atau akhirat.
Impian bererti kita ada perkara yang kita ingin capai.
Mungkin wang berjuta, mungkin kereta mewah,
mungkin juga nak membantu keluarga dan sanak saudara.
Impian adalah kuasa mutlak seseorang untuk mencapai sesuatu.
Tanpa impian apa pun tak dapat capai. Kerana impianlah
saya mengambil keputusan untuk berhenti belajar, kerana impianlah
saya sudah melawat ke 7 buah Negara untuk tujuan
perniagaan dan melancong, kerana impianlah juga saya
pernah bergelar Jutawan pada usia 24 tahun.
Untuk anda yang belum ada impian saya harapkan anda
cepat-cepat ambil pen dan kertas, tulis impian anda.
Letakkan di tempat yang mudah anda baca.
Adakah anda telah hampir mencapai impian anda atau
impian anda telah jauh meninggalkan anda.
VISA Jutawan adalah VISA anda untuk mencapai impian,
buat keputusan bijak untuk mencapai impian anda hari ini,
RM 350 hanya bersamaan dengan passport Malaysia, ini adalah
VISA untuk menjadi Jutawan.
Segera Klik Di sini:
Jika Anda Belum Download laporankhas percuma VISA Jutawan Sila Klik Di sini:
http://www.visajutawan.com/
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