NOTA: Versi bahasa Melayu di akhir versi English ini.
ENGLISH VERSION
1. Newly pensioned and has lot of money. Planning to do business - rearing sheep maybe?
2. Newly VSS'ed and also have a lot of money. Open a franchise maybe?
3. Made a personal loan with a bank, RM100,000 and planning to put it all in a business?
Good intentions. But you loose all your money if you don's take heed of these advises:
1. Most of the people above are educated or experienced.
Yes, you may be an engineer who is extremely intelligent, but this enterprise business is another field altogether. The formula for businesses is not like the formula for employment - In employment, you do the work get the money and the more intelligent you are the more you get, sometimes. Business other hand, work will not necessarily get the money but if you do it right do not need to work but still get the money. Do not invest all your money in the first business. 9 / 10 start-ups fails. Accept that you are new in this area and start small.
2. Do not be arrogant.
The biggest mistake is when you think that you are wise and have the business acumen considering that you have a degree and once worked in a multinational company. You do not need to learn from other people. Be humble, to your employees, to your customers generally everyone around you. Do not dismiss people's advise on running a business easily, just because he wears a slipper into your shop.
3. Get trained
Money does not make money. Only you do; so get trained. This is a must. If you do not go, you are really looking for trouble
4. Get a business coach
You are putting RM150, 000 in your business. My advise is : do not bank it all on your work experience for 0 days. Get a business coach and he would be able to show the potholes of businesses before you fell into it. If you fall, the extraction price is very expensive.
5. Do not stingy with workers
Diligent and honest employee MUST be held on to tightly. Pay him more and treat him as partners and always discuss - not direct.
6. Pay your Zakat and give to the charity
A must. Businesses are fulled with risk as it is, you would not want to risk the wrath of the Al-mighty.
Work Smart Everyone
The Author is the principal of ElixirEducate - a training house for Smart Entrepreneur Program Series. He was an international investment banker, corporate financier and now serial entrepreneur and business coach. You can find more information on ElixirEducate on their facebook page, here. And be a facebook friend of Yazdi . Please share this information with your entrepreneur friend who may benefit from this post. They could be an existing entrepreneur or someone who plans to start a business. You can also join the growing business network of Entrepreneurs in Malaysia by joining this group. Thank you.
VERSI BM
Adakah anda atau sesiapa yang anda kenal:
1. Baru pencen dan ada banyak duit. Merancang untuk berniaga - ternak kambing ke?
2. Baru dapat VSS, duit banyak dan juga nak berniaga. Buka francais ke, kopi tiam ke?
3. Baru dapat buat personal loan dengan bank RM100,000 dan nak laburkan semuanya untuk berniaga?
Niat bagus tapi anda mungkin akan hangus semuanya kalau tak dengar nasihat ini.
1. Kebanyakan orang yang pencen dan dapat VSS adalah orang yang terpelajar atau berpengalaman. Memnag anda mungkin seorang engineer yang teramat bijak tapi perniagaan ini amat lain. Formula perniagaan tidak seperti formula pekerjaan - buat kerja dapat duit. Berniaga pula lain, buat kerja belum tentu dapat duit tapi kalau beturl caranya tak payah bekerja tapi dapat duit. Jangan laburkan semua duit anda dalam perniagaan pertama. 9/10 kebarangkalian perniagaan pertama anda mungkin hancus atau perlu dirombak/dibaiki besar - walaupun anda buat francais.
2. Jangan jadi sombong.
Ini saya nampak sendiri dikalangan engineer yang dapat VSS. Kebanyakannya orang yang terpelajar tapi syarikat nak lepaskan mereka, jadi bagi pampasan. Kesilapan terbesar iayalah apabila anda merakana diri bijak dan tak perlu belajar dari perniaga lain. Apalah susah sangat nak jaga kedai makan berbanding jaga enjin kapal dulu. Susah jaga tu mungkin tidak, susah nak buat duit tu ya. Jadi, mestilah rendahkan diri kepada pelanggan, rakan and juga semua orang. Kat pekerja pun tak boleh kita bersombong, nanti diludah dalam beehoon tu pulak, susah.
3. Pergi krusus perniagaan
Ini mesti. Kalau tak pergi, memang cari masalah
4. Dapatkan jurulatih perniagaan
Anda akan letakkan RM150,000 dalam perniagaan anda. Jangan letakkan semuanya keatas pengalaman bekerja anda yang selama 0 hari. Dapatkan jurulatih perniagaan dan beliau dapat tunjukkan lubang lubang perniagaan sebelum anda jatuh kedalam. Kalau dah jatuh, harga nak keluarkan anda tu lagi mahal.
5. Jangan kedekut dengan pekerja
Pekerja yang rajin dan jujur MESTI dipegang dengan seerat-eratnya. Bayar dia lebih sikit dan layan sebagai rakan-kongsi dan selalu berbincang - bukan mengarah (ingat, anda pun baru bermula berniaga sedangkan dia sudah lebih lama bekerja)
6. Keluarkan zakat dan bersedekah
Wajib buat dua dua ni. Berniaga had ada cukup banyak risiko, anda tidak mahu risiko Allah marah!
Bekerjalah dengan bijak.
Pengarang adalah prinsipal ElixirEducate - Pusat Latihan Siri Usahawan Bijak. Beliau adalah bekas pegawai bank pelaburan antarabangsa, pembiaya korporat dan kini adalah usahawan dan jurulatih perniagaan. Anda boleh mendapatkan maklumat lanjut mengenai ElixirEducate di laman facebook mereka, di sini. Dan jadilah kawan facebook-Yazdi. Sila berkongsi maklumat ini kepada rakan usahawan anda yang boleh mendapat manfaat daripada post ini. Terima kasih.
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