SME Loan / Business Loan - Proses

Salam . . . .

Bagi yg sedia Maklum, Saya, melalui SME Loan - Sumber Pinjaman PKS menawarkan khidmat Nasihat / Konsultan dan menguruskan Pinjaman Perniagaan bagi Pihak " Pelanggan "  dengan Persetujuan ' Pelanggan " dengan syarat2 dan yuran Dokumentasi yang di bincangkan bersama.

Proses yang perlu di lalui

1.   Berbincang/ pre-interview

2.   Pelanggan mengisi borang sambil menyediakan 4 dokumen ASAS

            a] IC

            b] CCRIS Report - dapat di BNM

            c] Bank statement - 6 bulan terkini

            d] SSM - lengkap

3.   Saya menerima borang dengan semua dokumen asas untuk di nilai dan teliti sebelum menentukan jumlah layak pinjam dan dari institusi mana serta skim apa yg layak

4.   proses ini akan mengambil masa purata selama 14 hari bekerja dan adalah PERCUMA [ setakat ini ]

5.   surat penilaian di keluarkan dan saya kan berbincang dengan "Pelanggan"  bagi menjelaskan proses2 lanjut dan yuran2 dokumentasi yg terlibat.

6.   "Pelanggan" membayar yuran dokumentasi yg di kenakan dan Pihak syarikat akan mula melengkapkan dokumen dengan kerjasama "Pelanggan" dan proses boleh mengambil masa 2 minggu hingga 4 minggu  - ber gantung kepada kes.

7.   Proposal akan di hantar kepada Bank untuk di proses and Bank akan membuat "Site Visit" bagi menentukan ke aslian kes dan syarikat.

8.   Pelanggan akan berurusan dengan Bank hinga mendapat kelulusan dan "Pelanggan" akan membayar "profesional Fees" seperti di persetujui kedua2 pihak dan Pelanggan akan MAJU dalam PERNIAGAAN !

Jika ada perkara berbangkit dan Pelanggan tak dapat memenuhi syarat2 seperti di atas - adlah di nasihatkan berbincang dengan pihak syarikat melalui saya untuk memudahkan kami membantu Pelanggan MAJU DALAM PERNIAGAAN.

Why is it that it’s so hard to talk to most people about Financial Freedom

 dear Friend,


Just Sharing an e-mail content from a web-guru of Internet marketing, i've been following her notes and postings for a couple of months now and i would like to share this with my Network Partners and friends . . . 


Her Messages reads :

One of my top 5 favorite movies of all time is ‘The Shawshank Redemption.’


It probably has one of the highest “replay” values of any movie out there. I can’t think of another film I could watch 10 times and not get tired of.

There’s a scene in the movie where Brooks Hatlen, one of the oldest and longest residents of the prison, is coming up on his parole date.

He attempts to kill another prisoner, a good friend of his, by holding a knife to his throat, until the other inmates talk him out of it.

Why?

In order to extend his sentence to avoid the outside world he is terrified of and to stay inside the prison that he has now grown fond of and calls home.

Once released, he later commits suicide because he finds himself unable to fit into a society that has passed him by.

It’s one of the saddest and most ironic scenes of the movie and of course, we think to ourselves...

“That could never happen to me. I would never allow myself to become so institutionalized that I would willingly turn down my own freedom.”

But Are We So Different Than Those
Who Are Trapped In Prisons Of Concrete And Metal?

Have you ever noticed how some people are perfectly content to complain all day about their situation yet when you show them a better way they dismiss it as too good to be true, a scam or some other invented excuse?

Why is it that it’s so hard to talk to most people about things like owning your own business, personal development, or financial freedom?

Where exactly do these constraints within our own minds come from?

Why are so many people content to be stuck in the rut of running on the 9-5 hamster wheel their whole life?

And what exactly IS the hamster wheel anyway? Who created it and why do so many people have a hard time escaping it when the door to their cage is wide open and all they have to do is step through it?

It’s hard for us to fathom but inmates like Brooks Hatlen are very normal in today’s prison system.

They’re so comfortable with the world they’ve become familiar with, that even once they’re out, they’ll do anything just to get back IN.

This is one of the symptoms of what is known as “Post Incarceration Syndrome” (PICS)

Here is a description of some of the symptoms of PICS from a center for rehabilitating former inmates:

“Institutionalized Personality Traits are caused by living in an
oppressive environment that demands: passive compliance to
the demands of authority figures, passive acceptance of severely
restricted acts of daily living, the repression of personal lifestyle
preferences, the elimination of critical thinking and individual
decision making, and internalized acceptance of severe restrictions
on the honest self-expression thoughts and feelings.

Sounds pretty horrible right?

We talk about escaping the “rat race” or the “corporate prison” but would it come as a shock to you if what you just read was literally, no exaggeration, almost word-for-word, the exact stated goals and purposes, as laid out by its founders,
of the system that many people spend 12 years of their life in - the public education system?

Ridiculous you say?

Is it really when you think about the state of much of society today?
As a leader in the home based business industry, when you’re trying to free people, when you’re trying to help them break down old habits and mental constraints and
reshape their thought patterns for success, you may be fighting against more than you ever imagined...

To Your Success,

Ann Sieg

P.S. – I truly hope you never allow your wings to be clipped...

FACTS or FAKE ? New, Small or Medium Entrepeneurs Challenges !

HOLA !

Just Sharing a Thoughts by a MENTOR about Challenges that Small or Medium Business Entrepreneurs are facing in the real world and i find it very interesting and Lets Look at The "Points to Ponder"

She wrote :

More often than not, this 'EVERYTHING ALSO -CAN-DO' attitude lands the Entrepreneur in trouble especially in new projects. 

• Without realistic assessment of his own capabilities in funding, 
• Without experience and competitive strength, 

He plunges into so called virgin territory that existing competitors dominate.

To be fair, New and Small Entrepreneurs have no access to market info, consumer research, and competitive activities. RELYING on their gut feeling and entrepreneurial spirit, they plunge into new biz with gusto & optimism.

























Unfortunately for every survivor, there are probably five casualties with BATTERED pride, Empty pockets & Hungry families. 

Economists will tell you that competition breeds efficiency & inefficient players will be eliminated eventually.

Before u invest into new venture: 

• Do u consider yourself an efficient competitor? 
• Do u know who are yr competitors? 
• What is their competitive edge over U??

Dream big, start small. Avoid going head on with big cash flush competitors.

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