PROSES REKOD JUALAN DAN BELIAN

Slide6

Slide14

Advertisements

CASH FLOW VS PROFIT

Cash flow dan Profit  adalah 2 perkara yang berbeza tapi kedua-duanya adalah penting dalam pengurusan kewangan bisnes/syarikat

CASH FLOW

Aliran duit masuk duit keluar  untuk transaksi operasi  , pelaburan dan pinjaman. Duit diperlukan untuk jalankan perniagaan.

 

Ada 2 perkara perlu ingat mengenai cash flow

  1. Bisnes boleh jadi untung tapi duit cash tidak cukup
    Jualan banyak tapi pelanggan berhutang banyak (jualan kredit ), 6 bulan masih tak bayar-bayar lagi . Ini tak masuk lagi buat jualan tapi tak buat invoice tak tahu jual kat siapa dan tak tahu nak kutip hutang dari siapa.

    Belian supplier nak COD je  (cash on delivery) paling-paling lama dia bagi kita bayar lambat dalam 15-30 hari, itu pun bukan semua supplier nak bagi kredit terms .

    Pastu kena fikir nak bayar gaji , bayar sewa , api air dan lain-lain belanja.

  2. Jualan kencang tapi ini tidak semestinya bisnes anda untung 

    Bila jualan kencang , nak kena bayar supplier pun banyak juga , jadi bila duit tak cukup and buat loan pastu nak kena bayar loan dan interest tinggi (belanja makin bertambah) dan bisnes boleh jadi rugi.

PROFIT (UNTUNG) – Income Statement

Pendapatan bersih (Net income) adalah segala jualan (pendapatan) tolak semua kos dan belanja . Adalah jelas pada prinsipnya bahawa bisnes tidak boleh bertahan lama melainkan ada untung, kadang-kadang perlu tahu apakah kos-kos jualan untuk menentukan harga jualan . Jika salah kira kos mungkin bisnes tidak untung dan duit semakin kurang ,silap-silap kena tutup kedai

Item-item Cash flow dan Profit

 

Sumber ; the balance small business

 

 

7 ANGKA KEWANGAN BISNES ENTREPRENUER MESTI TAHU

7 ANGKA KEWANGAN BISNES ENTREPRENUER MESTI TAHU

Yahya seorang entrprenuer yang telah mula berniaga sejak 2 tahun yang lepas . Yahya telah mulakan perniagaan dengan sejumlah wang yang agak besar. Selama setahun Yahya telah bertungkus lumus buat operasi bisnes untuk memastikan bisnes Yahya akan berada dalam keadaan sihat. Semua kerja-kerja pengurusan dan operasi bisnes Yahya buat sendiri hingga tidak ada masa untuk urus kewangan bisnes Yahya.

Pada akhir tahun kedua Yahya mula mengadu kepada kawan dia Amin

Yahya    :Amin, Aku dah keluarkan modal yang banyak, tapi aku tak tahu duit aku pergi mana.  Tahun lepas duit aku banyak lagi tapi sekarng duit aku sekarang dah mula berkurang.

Amin     : Yahya , kau bisnes ini duit bisnes siapa jaga ?

Yahya   : Akulah jaga tapi aku mana sempat nak buat semua . Aku tengok akaun bank aku duit ada lagi , jadi aku rasa bisnes aku ok je , tapi makin lama duit bisnes aku makin susut. Macam mana ya?

Amin   :     Aku nak kongsi sikit . Bila kau dah buat bisnes kau mesti ambil tahu mengenai 7 Rahsia Angka Kewangan Bisnes

Untitled design.jpg
  1. Cash Flow
    Cash flow ini aliran tunai masuk dan keluar bisnes yang sangat penting .

    Inilah adalah nyawa bisnes

  2. Pendapatan Bersih

    Pendapatan Bersih segala pendapatan diterima tolak semua kos dan belanja bisnes termasuk bayaran cukai dan zakat dan anda boleh tahu sama ada bisnes anda buat duit atau kehabisan duit

  3. Penyata Untung atau Rugi

    Penyata Untung Rugi yang membongkarkan rahsia pendapatan tolak kos dan belanja untuk satu tempoh masa iaitu bulanan atau tahunan yang diguna untuk membuat unjuran dan perancangan masa depan bisnes anda

  4. Jualan 

    Jualan penting untuk bisnes dan mesti di pantau hari-hari , jika jualan turun akan ada masalah and and kena buat sesuatu untuk naikan jualan . Jika jualan naik perlu analisa apa punca jualan naik , dengan cari  ini anda boleh perbaiki dan fikirkan cara untuk naikan jualan lagi

  5. Harga Jualan

    Harga jualan mesti mengambil kira segala kos jualan untuk kira untung

  6. Margin Untung Kasar

    Untung kasar adalah segala jualan tolak kos jualan yang akan  menentukan adalah ianya cukup untuk membayar belanja-belanja oeprasi seperti gaji, merketing dan pentadbiran pejabat.

  7. Inventori
    Pantau inventori jika inventori terlebih buat sesuatu untuk kurangkan inventori. Jika inventori semakin berkurang ini bagus sebab tanda jualan baik tetapi jangan lupa untuk top up inventori

Sumber : Website American Express Company

WE HANDHOLD YOU TO ENTER THE WORLD OF FINANCIAL DIGITALIZATION

We firmly believe that you (entrepreneurs) need simple to implement financial system/GST compliance system for you to be focused in building your business.
We believe in coaching and handholding to enter the world of financial digitalization.
We have hands on experience in helping entrepreneurs to build financial records from zero/scratch, save in tax fines and adhere to regulatory compliance in the shortest time possible.
We have off the shelf and customised solutions for you.
Give us a call at we are simple minded
Faridah Hanif 013 335 2334
Shikin Nawardin
#RizQStarZ
#DigitalizeFinancialBusiness
#FinancialDigitalization
#KewanganDigital
#DigitalMudahRingkas
#SimpleDigitalFinance
#WeHandholdYou
#SurvivalWithDigital
#SuccessWithDigital
#GrowthWithDigital
#DigitalFinanceSolution
#JourneyToDigitalization
#DigitalBusinessManagement
#SimpleEasyFastDigital

Sistem Insurans Pekerjaan, (SIP)

Image result for joblessAPA ITU SIP?

Sistem Insurans Pekerjaan, (SIP) mula dilaksanakan pada Januari 2018 sebagai satu jaringan keselamatan sosial yang bertujuan membantu golongan pekerja yang kehilangan pekerjaan untuk mendapatkan bantuan kewangan dan mencari pekerjaan baru.

1. Menyediakan bantuan kewangan segera (7 hari selepas pengesahan hilang kerja) kepada pencarum yang hilang pekerjaan.

2. Membantu pencarum yang hilang pekerjaan mendapat pekerjaan baharu melalui program penempatan semula pekerjaan termasuk bantuan mobiliti.

3.Meningkatkan kebolehpekerjaan pencarum yang hilang pekerjaan melalui program latihan & latihan vokasional

 

FAEDAH SIP

Penempatan Pekerjaan & Kaunseling Kerjaya

Menyediakan perkhidmatan dan sokongan pekerjaan kepada Orang Berinsurans untuk mendapatkan pekerjaan yang bersesuaian.

Elaun Mencari Pekerjaan (EMP)

Menyediakan elaun mencari pekerjaan bagi tempoh 1 – 6 bulan tertakluk kepada syarat kelayakan caruman dan kesediaan untuk bekerja semula

Elaun Bekerja Semula Awal (EBSA)

Menyediakan elaun bekerja semula awal sebagai insentif bagi menggalakkan Orang Berinsurans untuk kembali bekerja dengan segera.

Elaun Pendapatan Berkurangan (EPB)

Menyediakan elaun pendapatan berkurangan bagi Orang Berinsurans yang bekerja dengan lebih daripada satu majikan dan telah kehilangan pekerjaan.

Elaun Latihan (EL)

Menyediakan elaun latihan harian sekiranya Orang Berinsurans menjalani latihan

Fi/Yuran Latihan (FL)

MMembiayai yuran latihan Orang Berinsurans yang dibayar terus kepada penyedia latihan yang berdaftar

maklumat lanjut sila layari
https://www.perkeso.gov.my/sip/

EMPLYOEE INSURANCE SYSTEM (EIS) MALAYSIA

The unemployment rate in Malaysia is considered to be relatively low and stable at approximately 3.45% in 2016. According to The Organisation for Economic Co-operation and Development (OECD), a country is in full employment if its unemployment rate is below 4%.

However, based on data reported by the Labour Department, almost 40,000 Malaysian employees were retrenched from their jobs in 2016.

Even skilled workers are not spared, as they make up more than half of them who lost their jobs in 2015 and 2016. This proves that people of any skill are at risk of being retrenched.

The challenge of being retrenched comes when there’s no income coming in or adequate contingency fund to help them and their dependents (if any) get back on their feet. With this somber reality, the government has introduced the Employment Insurance System (EIS) as a new protection for workers.

It’s been slated to begin on January 1, 2018, and those looking to claim can only do so in 2019. But let’s break down what there is to know about EIS.

What exactly is the EIS?

EIS is a financial scheme aimed at helping employees who have lost their job, and it is managed by Social Security Organisation (Socso). This scheme is meant to enable retrenched workers to gain monetary funds that would help them get back on their feet for up to six months.

The EIS will function similarly to the Employees Provident Fund (EPF), where the contribution will go into a pooled fund and then the fund will be invested.

The EIS is not only offered to those who have been retrenched but also those who resigned due to threats to the insured or even to their family. This even includes sexual harassment at work.

Currently, the scheme will involve 430,000 employers and 6.6 million employees.

How the EIS works

Employers and employees will contribute 0.2% each of an employee’s salary, this means that the total contribution would be 0.4% of an employee’s monthly salary.

The minimum eligible monthly salary can be as low as RM300, where the 0.4% will see them contributing RM1.20 monthly. On the other hand, the maximum eligible monthly salary contribution is capped at RM4,000. So even if you’re earning more than RM4,000 a month, the contribution from you and your employer is fixed at 0.4% of RM4,000, leading to the maximum amount of contribution capped at RM16 per month.

What can you claim when you are retrenched?

The contribution to EIS will begin in 2018, but you can only start making claims if you are retrenched in 2019 onwards. The EIS doesn’t just provide you money upon retrenchment. It also comes with a number of benefits such as:

  • Job-hunting assistance
  • Re-employment allowance
  • Reduced income allowance
  • Training allowance
  • Career counseling

Each of these benefits will take up a percentage of their claim with the aim to help them move forward. For example, if they successfully secure a job before the end of their six months, these employees will get an Early Re-employment Allowance, which is 25% of their remaining job search allowance entitlement.

Depending on how long a retrenched worker has been contributing, they could get up to a certain percentage of their last drawn salary for three to six months. So let’s say Kamal has been working for a few years and has contributed to the EIS for about five years. His last drawn salary was RM3,500 before he was retrenched.

When he makes a claim with EIS, he gets a percentage of his last drawn salary every month, until the sixth month. Here’s an example of the percentage and amount he may get:

Month Percentage Claim Received
First Month 80% RM2,800
Second Month 50% RM1,750
Third Month 40% RM1,400
Fourth Month 40% RM1,400
Fifth Month 30% RM1,050
Sixt Month 30% RM1,050

On top of that, he will also get coverage for training (capped at RM4,000), and when he gets re-employed before the end of the six months, he will receive RM875 under the re-employment allowance. The latest announcement has also revealed that retrenched workers will qualify for a cash allowance of RM600 per month for up to three months as well.

Employers need to play their part

The employers also have a major role to play in EIS. There have been concerns that employers would find the scheme a burden on their finances, but Director of the Social Security Research Centre at Universiti Malaya, Prof Datuk Dr Norma Mansor, argued against that.

According to her, with the EIS, laying off employers should be less of a burden to both employers and employees.

The insurance scheme would make it cheaper for employers to lay-off workers in order to upgrade their technology and automate their businesses compared to the current workers’ protection scheme.

Currently, when there are layoffs and there are termination benefits, the responsibility lies solely on employers alone. Employers are supposed to pay an equivalent of 4.5 months of the terminated worker’s salary and it only covers workers earning RM2,000 and below. This is a costly measure and would see some companies retaining employees even when they can’t afford to do so. With the EIS, this should be less of an issue.

With the EIS enforced starting from January 1, 2018, employers are not allowed to reduce an employee’s salary indirectly or directly owing to contributions made to the scheme. Any employers that do not comply with the scheme or make false claims could lead to a maximum RM10,000 fine or a jail term of up to two years or both upon conviction.

Who will really benefit from the EIS?

The year 2015 was a dark year for many Malaysians when up to 6,457 people were laid off, 30% of which came from the oil and gas industry. The EIS is meant to protect those with jobs that are at risk of being retrenched due to issues such as volatile currency and commodity, and even includes bad economies, such as what happened to the oil and gas industry.

The bleak outlook was expected to continue this year with some warning signs that the banking industrymight be affected.

This new insurance scheme is meant to help those who are trying to get back up on their feet after such a major loss, but the question remains: how much can it really help?

Many of those laid off in the oil and gas industry were once earning RM10,000 monthly, but EIS contribution is capped at RM4,000 a month. This means that even if retrenched, the EIS will not cover your full salary, which is not ideal especially if you have to maintain high financial commitments such as multiple mortgages, loans, and credit cards.

If you are earning above RM4,000, it would be best to look for ways to diversify your income either by investments, part-time jobs or even starting your own business, or at least have a sizeable contingency fund stashed for rainy days. However, for those who are earning below RM4,000, the EIS would be enough to give you some comfort and a financial buffer to get you back on your feet for six months.

Just as how having Socso proves to be helpful for those who are injured during work, the EIS aims to protect employees from retrenchment by ensuring fair remuneration for them. Seeing how Socso has given out up to RM2.9 billion benefits to workers in 2016, the EIS can also successfully protect employees financially.

 

Source
https://www.imoney.my/articles/employment-insurance-system-eis

CARUMAN KWSP

Image result for caruman kwsp

Ini antara pendapatan yang diterima oleh pekerja yang akan dikenakan atau tidak dikenakan caruman KWSP

Antara bayaran yang akan dikenakan caruman KWSP

 gaji
 bayaran bagi cuti rehat tahunan dan cuti sakit yang tidak digunakan
 bonus
 elaun
 komisyen
 insentif
 tuggakan upah
 upah bagi cuti bersalin
 upah bagi cuti belajar
 upah bagi cuti separuh gaji
 bayaran-bayaran lain di bawah kontrak perkhidmatan atau sebalik nya

Antara yang dikecualikan caruman KWSP

 caj perkhidmatan
 bayaran kerja lebih masa
 ganjaran
 faedah persaraan
 faedah pengurangan pekerja, pemberhentian sementara atau penamatan
 elaun perjalanan
 bayaran sebagai ganti notis penamatan perkhidmatan
 yuran pengarah

Antara dua dokumen yang bank suka bila nak apply loan adalah KWSP dan TAX. So, boleh start plan walaupun kita owner business (director).

Sebagai director tak wajib carum KWSP, tapi tak salah kalau nak mencarum😊

Kredit to Zurianee Zabidi

SELAMAT DATANG 2018

Image result for 2018 digital

Nak sharing sekejap posting dari FB

2018.
.
.
Tak pernah ada akaun, Kita buat tahun ni. Tak pernah tahu berapa untung bersih, kita kira tahun ni. Tak pernah submit cukai, kita submit tahun ni. Tak pernah bayar zakat, kita bayar tahun ni.
.
.
Kalau sebelum ni kita buat akaun sebab nak declare cukai, tahun ni kita buat akaun sebab nak monitor performance business kita. Kita nak tahu jualan bulanan berapa. Kita nak tahu untung bulanan berapa. Kita buat akaun nak tahu belanja kita setiap bulan macam mana.
.
.
Kalau sebelum ni kita buat akaun sebab tak nak kena denda, tahun ni kita buat akaun sebab kita orang bisnes mesti tahu angka bisnes kita. Kita belajar baca penyata kewangan. Kita tahu makna makna dalam penyata kewangan.
.
.
Kalau sebelum ni kita buat akaun sebab nak submit ke ssm sahaja, tahun ni kita tukar. Kita guna akaun kita untuk hantar ke bank. Kita buat pinjaman yang bagus untuk bisnes kita. Hutang bukan semua petaka, hutang boleh jadi bagus.
.
.
Kalau sebelum ni kita rasa akaun kita ok, kita tanya orang lain. Ok kah akaun kita? Tanya pada yang arif. Kita tahu nilai bisnes kita dari akaun. Kalau tak ok, kita ok kan. Kasi value bisnes kita cantik di mata investor.
.
.
Apa lagi saya nak cakap untuk tahun baru. Cakap pasal akaun saja lah.
.
.
Tak ada akaun, buat akaun. Ada akaun, fahamkan akaun. Akaun tak cantik, cantikkan akaun.
.
.
2018 bukan tahun kejatuhan. 2018 tahun kebangkitan.
.
.
Selamat datang 2018.
Kredit pada Tuan Redzuan Hassan

KWSP – Kadar Caruman mulai 2018

Image result for kwsp caruman pekerjaMajikan sila amibil perhatian jika caruman pekerja 8%

Pekerja dapat simpan 11% dari gaji mereka untuk simpanan dimasa akan datang , KWSP Islamic pun dah ada , saya sudah tukar , anda bagaimana?

Petikan dari KWSP 

Kadar caruman berkanun syer pekerja berubah daripada 8% kepada 11% untuk pekerja berumur di bawah 60 tahun dan daripada 4% kepada 5.5% untuk pekerja berumur 60 tahun dan ke atas, berkuat kuasa mulai upah/gaji bulan Januari 2018.

Kadar caruman bagi pekerja dan majikan yang terkini boleh dirujuk di dalam Jadual Ketiga, Akta KWSP 1991 (klik untuk muat turun). Majikan dikehendaki membayar caruman syer pekerja berdasarkan jadual ini.

Untuk melihat kadar caruman pekerja dan majikan yang berkuat kuasa sebelum 1 Februari 2018, klik di sini.

Nota:     Perisian Adobe Acrobat Reader versi terkini (sekurang-kurangnya versi 8.0) diperlukan untuk memastikan fail Jadual Ketiga boleh dipaparkan, dicetak atau dimuat turun.

 Sumber dari laman web KWSP
 http://www.kwsp.gov.my/portal/employers/employers-responsibility/contribution/contribution-rate