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[Tempatan]
Keluhan tokey kilang SME - Should I take out my savings and pay salary? I am al
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If the lockdown continue until 30th April then I will be forced into early retirement by closing down my factory. Reason is I can't afford to pay salary, rental, installment, loan and zero collection n etc etc
January work 17 days
Because of CNY
February work 20 days
March work 13 days
Because of lockdown
April 0 days
*If lockdown continue*
Pay 4 months salary
Only 50 days productive
May - HARI RAYA off
Should I take out my savings and pay salary? I am already 57
Luckily I postpone to pay bonus in May before Raya. I may take the bonus to replace as retrenchment benefit.
As I know a lot of SME is facing the same problem. My next door neighbor has 60 workers, 5 rented factories and some installment paying machinery. He needs 300k every month. At 42 his 15 years of hard work is going to be wiped off if lockdown continues
Msian normally give 60+ days credit. We haven't collected the dec, Jan, Feb bills and the lockdown start. Supposing we start work in May, do you think the client can pay. This may drag till June or July before the payment comes in. How many SME can withstand until July. If the gomen doesn't help us then we are finished
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Nobody is going to be spared. If your children have financial problem, are you going to help? so are your siblings.
Unless you are born out of rock.
No matter how solid is your house, when your neighbor on fire you will also be burnt. When you throw a stone in the middle of the pond, eventually the ripple with reached you
*God Blessed Msia*
Amen |
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Abis tu. Kalau tak lockdown silap2 lagi cepat kau gulung tikar, dah tu kalau pekerja kau banyak yang +ve covid. Kalau dah sakit boleh kerja ke? Lagi teruk kalau kau pulak terjangkit dan tak boleh selamat. |
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15 tahun bisnes takkan la tak boleh cover langsung kalau 3 4 bulan takde production..
acu check FD masing-masing..
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Yup....SME kena teruk kali ni....pekerja diaorg agak ramai....segala mak nenek dlm kilang diaorg tu hutang bank.....kena forecast minimum 6-8 bulan no business, bknnya once lockdown lifted up business terus jadi kencang...silap2 bunga pun tak blh bayar...belum campur overhead lain...
Gov kena pump lebih lagi atau kurangkan lagi kadar faedah refinance (yg sedia ada 3.2%)...
Payment 1-3 bulan baru dapat dari customer....lagi berdarah.... |
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patut la Menteri Kewangan Jerman bunuh diri... byk bisnes bakal bungkus |
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prettyuglybabe replied at 31-3-2020 11:32 PM
15 tahun bisnes takkan la tak boleh cover langsung kalau 3 4 bulan takde production..
acu check FD ...
sbb dijangka bukan 4 bulan. USA pun predict akan berlanjutan sampai next year. |
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kalau bisnes dia baru setahun dua, logik tak boleh survive kalau shut down lebih 4 bulan..
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matamata replied at 31-3-2020 11:35 PM
Yup....SME kena teruk kali ni....pekerja diaorg agak ramai....segala mak nenek dlm kilang diaorg tu ...
Kalau gomen dah bg kelonggaran xpyh byr loan banks, xkan x boleh cover jugak? At least another 3-4months? |
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GincuPurple replied at 31-3-2020 11:30 PM
Abis tu. Kalau tak lockdown silap2 lagi cepat kau gulung tikar, dah tu kalau pekerja kau banyak yang ...
mungkin kerajaan terpaksa decide buat mcm Korea & Japan. Kilang2 kembali dibuka. No lockdown tetapi tingkatkan test & saringan, self kuarantin diri masing2 yg ada kontak. Base on trust. Rakyat perlu berdisiplin spt rakyat jepun & korea. sentiasa pakai mask, sentiasa cuci tangan. tiada salam salaman, tiada sentuhan. Isolate atau lockdown org2 tua & org2 yg ada health condition sahaja. |
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Bank Dunia sudah unjurkan pertumbuhan KDNK Malaysia 2020 sebagai negatif -0.1%. Dan bukan Malaysia sahaja.
memang dijangka ramai yg akan hilang kerja sebab ekonomi stagnant. Ekonomi terhenti... masalah terbesar ialah tak tahu sampai bila |
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Bunga bank still kena bayar, gaji, api, air, utility, sewa tempat berniaga (kedai/kilang)...income utk 6 bulan dianggap 0%-50% paling tinggi utk 8 bulan dari sekarang...kalau jual barang sekarang-isu invoice-3 bulan akan datang baru dpt payment (itupun kalau ada org order barang)....susah nak explain...tp bolehlah dikatakan rata2 SME owner mmg pening kepala jugakla....bukan suka2 nak tutup company...
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Bukan maksudnya kena lift up lockdown...cuma mintak kerajaan provide more cushion utk SME yg majoriti tulang belakang industri dlm negara...
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GincuPurple replied at 31-3-2020 11:30 PM
Abis tu. Kalau tak lockdown silap2 lagi cepat kau gulung tikar, dah tu kalau pekerja kau banyak yang ...
mungkin pilihan dia spt berikut:
1. korek duit saving & terus bayar gaji hingga 4 bulan, atau hingga habis semua saving jika wabak covid berlanjutan hingga nx year. Lepas tu muflis.
2. selamatkan duit saving yg masih ada, tutup kilang, buang semua pekerja. |
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Kena paham jugakla on their side....buat business untuk create untung...operasi company by right berkisar dengan bank ...kalau sampai keluar duit untung/ poket sendiri maka perniagaa tu dah takda makna...2-3 bulan mungkin boleh gagah lagi la....tapi kalau lebih dari tu mmg majoriti SME mmg tak akan mampu-so terpaksala majikan kena selamatkan/ bankrapkan diri sendiri...bank boleh rampas segala harta yg dia ada
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akak harap kilang bubble tea jgn tutup sebab nak sapu dengan roti gardenier |
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takkan meniaga takder backup plan or modal utk setahun!! takkan meniaga style kais pagi makan pagi kais petang makan petang? Bank bagi penagguhan kot utk hutang2 SME!! tak silap la
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matamata replied at 1-4-2020 12:00 AM
Kena paham jugakla on their side....buat business untuk create untung...operasi company by right b ...
ada sorang tokey syarikat mover ni.. dia sudah buang semua pekerja utk selamatkan modal/saving. Dia pesan kat semua staf dia, selepas lockdown ni berakhir sila cari dia balik, dan sama2 mulakan semula bisnes ni. common sense... klu modal n saving dah zero mcmn nak mulakan semula bisnes? So dia ajar sendiri staf2 dia utk apply bantuan dari kerajaan... so buat masa ni kerajaan yg akan tanggung staf2 dia melalui skim bantuan PKP. |
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Edited by meow_tompok at 1-4-2020 12:30 AM
tobby replied at 31-3-2020 11:53 PM
mungkin pilihan dia spt berikut:
1. korek duit saving & terus bayar gaji hingga 4 bulan, atau ...
offer unpaid leave pada pekerja. kerja kilang kan gaji tak lebih rm4k, then majikan apply kat perkeso skim ERP, melainkan tokey kilang tak carum SIP. Kat situ bole kurang beban overhead. Then kena tanya tokey ni kilang apa, kalau ada kaitan dgn essential goods eg: supply plastik pembalut utk brg medical, foods bole dah mohon kat MITI utk kelulusan beroperasi... kalau buat baju, tudung, kasut dll itu mmg kena tutup lah. Tapi permohonan dah tutup tak silap 28hb mac kot.
tokey F&B pun merungut jugak... tapi merungut dgn anting2 diamond kat balkoni umah mewah dia... kena kecam berjemaah kat youtube. |
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tobby replied at 1-4-2020 12:21 AM
ada sorang tokey syarikat mover ni.. dia sudah buang semua pekerja utk selamatkan modal/saving. D ...
otak bijak. itu yg terbaik. dia dah predict tu mco bakal extend lagi |
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ni aku copy paste dari salah seorang owner SME....bisnes mrk memang dah muram sejak 22 bulan yg lepas sebaik saja PH take over. Bursa Malaysia dah teruk sejak itu.
SAVE BUSINESSES FIRST TO SAVE JOBS.
Dear @MuhyiddinYassin & @tzafrul_aziz . Expecting SMEs & businesses to keep their people by using their own savings assumes that the last 1 year we were doing great. On the contrary we were already doing that before Covid19 because business were not doing good for the last 2 years.
Save us first to save jobs.
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Post time 31-3-2020 11:24 PM
变色卡
