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PENGALAMAN TURUN NAIK BANK UTK WAT LOAN - ATAU MANA2 AGENSI KEWANGAN

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Author: sinar_inspirasi       Show all posts   Read mode

Post time 3-8-2010 08:57 AM | Show all posts
saya baru nak bertatih dgn cgc, awak lagi best, dah nak dapat od lagi....

tahniah, tahniah, tahniah...
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Post time 3-8-2010 11:52 AM | Show all posts
wow...tahniah sinar
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Post time 3-8-2010 12:43 PM | Show all posts
Reply  jaja25


   

jaja...
akak sebagai org yng pernah berurus niaga ngan awak sekadar nak ...
matakucing Post at 22-7-2010 14:39


actually jual online harga sama je dengan offline..sbb planggan di kaburi dengan harg yang murah..tapi diorg tak sedar kos pos yang diorang kena tanggung..kata la kalu offline jual baju Rm 30.. tapi kalau kt online boleh dapat dengan harga Rm 25.. memangla pelanggan akan rasa uih..murah giler..tapi lepas tu nk kena byar pos plak Rm 6..last2 yang offline gak yang lg murah..he..he

Apa2 pon penjual offline..jagan mengalah..rezeki ada di mana2..kalau nk di kiranya.. penduduk m'sia yang tak reti menggunakan internet ni jauh la lebih ramai dr yang reti..so jgn risau..cuma kena pndai buat marketing.. bisness online pon sama. kalau tak pandai buat marketing..sampi bila pon kita tak akan dapt pelanggan..
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Post time 7-8-2010 01:58 AM | Show all posts
nak tanye..kalo yg baru nak bukak bisnes dan tak de modal..susah sgt nak apply utk biz loan kt mana2..coz semua nak ada existing biz....any advice?
siapa2 penah try pinjaman Skim Tabung Ekonomi Belia ?  max rm50k katanyer..tengah survey2 website dn forum2 lain ttg menda nie..
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Post time 7-8-2010 11:27 AM | Show all posts
Reply 104# eboxkl20

project financing boleh kot
tapi kalau nak amek loan for capital expenditure.. susah sket
bank nak tengok capabilities to pay back the loan

without track record..
macamaner nak convince the bank that your business
can generate enough money to service the loan....

bank will take calculated risk
tapi without prior years data.. tak dapat laa nak calculate
it will be deemed to be too risky...

start small.. build portfolio.. do proper accounts.. maintain good rapport dgn bank
insyallah berjaya.........
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Post time 7-8-2010 11:23 PM | Show all posts
finally - paper for 3 banks completed, monday to send all proposal... wish me all the best!!
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 Author| Post time 8-8-2010 01:05 AM | Show all posts
alhamdulillah ada satu bank ofer lagi.... rezeki dari ALLAH... dengan bersusah payah sebelum ni..ALLAH menurunkan rezeki lagi.. mungkin sebab tak pernah putus asa.. dan gerak kerja berterusan.. dan menambaikan kelemahan2 yg ada..
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 Author| Post time 8-8-2010 01:20 AM | Show all posts
Post Last Edit by sinar_inspirasi at 8-8-2010 01:21

insyaALLAH puluhan ribu helai dari modal ini utk buat baju muslimah SINAR INSPIRASI...
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Post time 10-8-2010 05:28 PM | Show all posts
seminggu dua nie duk turun naik bank jer...
barang2 sumer dh ready... sebok arrangekan LC..
rate pun tengah bagus nie... USD and Euro rendah skrg... alhamdulillah
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 Author| Post time 11-8-2010 05:27 PM | Show all posts
alhamdulillah..hampir selesai sudahh
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Post time 12-8-2010 01:37 PM | Show all posts
got the cheque from MARA.Alhamdullilah
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 Author| Post time 12-8-2010 01:58 PM | Show all posts
saya plak ngan maybank.. alhamdulillah.
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Post time 14-8-2010 09:08 PM | Show all posts
Reply 112# sinar_inspirasi


    salam abe sinar..

saya nak tanya sikit proses di maybank kerana saya ada apply pd 27hb Julai lps utk Working Capital. officer tu kato kalu ikut saya punya needs ni, OD lah paling sesuai. so last week hari Rabu saya follow up pegawai tu pasal saya punya application. dia kata kalu tgk kpd rekod semua, akaun dll dokumen yg disubmit semua dah ok (siap dia tunjuk sikit2 report dia sikit2). next step katanya dia akan mari tgk opis by Jumaat (semalam) dan kalu dok sempat paling lewat minggu depan. so agak2 lah kalu di stage ni & andai kata saya ada rezeki, lama lagi ko saya kena tunggu utk approval complete dgn maybank, cgc etc?
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 Author| Post time 15-8-2010 01:24 AM | Show all posts
Reply 113# sajersajer

normal 2 bulan keatas.. huhuh
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Post time 15-8-2010 03:17 PM | Show all posts
Reply 114# sinar_inspirasi


kalu gitu gak, keno tunggu n "biarkan" sajo lah dulu.. just follow up la dih?

TQ abe sinar
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 Author| Post time 15-8-2010 10:03 PM | Show all posts
Reply  sinar_inspirasi


kalu gitu gak, keno tunggu n "biarkan" sajo lah dulu.. just follow up l ...
sajersajer Post at 15-8-2010 15:17



kena follow up sokmo goni...
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Post time 16-8-2010 10:09 AM | Show all posts
kalau bisnes loan, ccris kite berderet2 mcm mn ek?
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 Author| Post time 16-8-2010 06:45 PM | Show all posts
alhamdulillah... ku panjatkan syukur kepada ALLAH kerana memberi rezeki...
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Post time 18-8-2010 12:40 AM | Show all posts
my sme - first round kena reject - reason sebab 2008 audited account ada lost....adeyyy... janganlah tengok tahun 2008, tengoklah 2009 and half 2010...

officer kata tu bank punya guideline, audit report kena setiap tahun untung... so, next time agak2 nak lost - creativekan sikit akaun tu supaya nampak profit - RM1 pun tak per - janji jangan rugi - kata officer SME - bukan kata saya.....

my fren - baru 3 mths  set enterprise company - SME dah approvekan capital loan - amboi... mudahnya -.....

saya kata - timbalan perdana menteri buat statement - usahawan yg muflis patut diberi peluang ke-2, saya belum muflis, hanya 2 tahun lepas syarikat rugi...

pegawai SME kata - timbalan perdana menteri tau apa... - tau cakap jer.... - officer SME yang cakap, bukan saya...

ok, tak nak give up - nanti next year audit report 2008 tu dah not in picture - will resubmit semula...
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Post time 18-8-2010 09:11 AM | Show all posts
today i got meeting with CEO ... dapat funder and loan from theri grop sendiri...
semoga dipermudahkan jalan...
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