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6 Cs BANK WILL CONSIDER BEFORE GIVING YOU BUSINESS LOAN

  Capacity Lenders will evaluate your business’s financial capacity to support the loan obligation as well as operating expenses. Typically, a business needs to have $1.25 of income to support every $1 of debt service. The extra $0.25 provides a cushion for your business to absorb unexpected expenses or a downturn.   Capital Your business may own capital assets such as cash and equipment that could be used to support your credit application. You and others may have invested funds in the business too, which is also an important consideration for a lender. The amount of capital assets and equity you have on hand will say a lot about your prospects for receiving financing.   Collateral Accounts receivable, inventory, cash, equipment and commercial real estate are all forms of collateral — assets lenders may accept to secure loans. When estimating the value of your collateral, a lender will look for liens — existing debt owed — on that collateral. The existence of a lien may ...
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POND FISHERIES 101

Pond fisheries is one of the business type that can generate a high return. This industry has been commercial since early 1990's. I have 20 years experience in this industry as my family is one of the major player of the business since 1991. My father was the first entrepreneur to enter the local market. Now the business is operated by my sister. Firstly, we must know there is only a few species of freshwater fish are suits to live in the pond. The species are: 1. Tilapia (red/black) 2. Carp (big head/asian/crucian/grass) 3. Perch (climbing) 4. Gouramies (small/black) 5. Sultan 6. Catfish (mystus/airbreathing/black) All of the species are suits to farming because: 1. Easy to feed 2. Good durability (weather/disease) 3. Short period of farming (twice per year) 4. High demand 5. Good price (high profit) Q & A 1. HOW MUCH MONEY TO SPEND TO START THIS BUSINESS? It depends on what business type do you involved. There are three 3 main type. First is fish farmer, seller and the last i...
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WEATHER CHALLENGE FOR AGRICULTURE INDUSTRY

 The Malaysian government has announce that the price of vegetables will rise three times in the upcoming November and Disember. Malaysia Meteorology Department predicted in every single day on the upcoming two months will be rain dan could cause a flood for certain area. In fact, Malaysia not the only country to face the problem every year. The problem also faced by neighbour country like Thailand and Indonesia. Meanwhile in China and Europe, the winter season is coming. Thus, most country will face the same problem at that time, low production rate of farming. The only country that has the solution is Japan. They starting the indoor vertical farming since 8 years ago. The production currently fulfill 30% to 60% of the supply in the market. How it works? The technology is using the hydroponic technology. No soil needed as most of the plantation using water. The created the farm inside the building as big as 2000 feets square or more and some of the building will be up to 3 level o...
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PEMASARAN SEBAGAI KEUTAMAAN

Pemasaran merupakan satu elemen penting dalam perniagaan. Kejayaan sesuatu syarikat diukur kepada kebolehan sesuatu produk dipasarkan atau dijual kepada pengguna. Perniagaan berskala mikro dan kecil sering menghadapi masalah pemasaran kerana usahawan dalam bidang tersebut kurang mengambil berat atau kurang pengetahuan dalam pemasaran. Elemen asas dalam pemasaran terbahagi kepada 4 iaitu: 1. Produk -rekabentuk, kualiti, kegunaan, pilihan dan pembungkusan. 2. Harga -kesesuaian harga pengguna dan penstrukturan untuk keuntungan 3. Tempat -sasaran jualan kepada pengguna 4. Promosi -tawaran untuk menarik pelanggan Elemen asas ini digunapakai dalam apa juga sektor dan industri perniagaan. Elemen ini juga dijadikan strategi dalam perniagaan supaya dapat bersaing dengan pesaing-pesaing yang lain. Jadi, sudahkah anda menyemak strategi pemasaran perniagaan anda?
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CASE STUDY: MICRO SCALE BUSINESS SURVIVAL

 I have 5 years experience as a business loan officer. My job is to process and approve the loan by the micro company. Here is a study case about the micro scale company that fail after taking a loan fron financial institution  When we talk about micro company, most of them are homemade base and operated by owner himself. Sometimes they will hire 1 or 2 workers. Most of the micro scale company apllying a loan to expand their business into larger scale. In other words they want to transform their company from micro into small scale industry. According to The Edge, only 53% of the company that take the micro loan was able to repay. The rest of 47% are struggling to survive after they use the loan to expand their business. Even worse, some of them will close their operation after 1 year. What exactly happen? Here is some points of failure:- 1. Lack of management skill After they expand the business into small scale industry, they still operate their business the way they operate ...
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Intro

 Hello. My name is Zairol Azely. I am specialized in business help and development. I have a lot of experience in writing. I have 15 years of experience as family business operator. I have 5 years experience as business loan officer for small and micro industry (Tekun Nasonal). I was a loan officer for 1 year and a branch manager for 4 years. I have a big interest in soccer. I was the former soccer coach at the local secondary school. I also have alot of knowledge about soccer as i am a big fan of the sport so i read a lot about it. Now, i am looking forward to achieve my dream as freelance writer. As writing is my passion, i will make it to develope the business of the company to their goal. 
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