Salam pertemuan, sesudah sekian lama tak menaip, lalu perjuangan harus diteruskan..Er sebenarnya topik ni dah lama diketengahkan namun sebenarnya perlu bagi kita berfikir secara mendalam. Kenapa baru sekarang? bermaksud kenapa baru sekarang nak memboikot barangan keluaran Yahudi?
Mengikut maklumat produk-produk ini adalah milik/penyokong Yahudi
Sebenarnya sudah lama perkara ini boleh dilaksanakan. Tapi sebagai contoh sudah lama Malaysia sendiri menghalang rakyatnya membuat Passport ke negara rejim itu sendiri. Itu sepatutnya satu teladan yang patut dicontohi oleh kita, rakyat Malaysia. Ingat jangan fikir apa yang negara telah sumbangkan pada kita, tapi sepatutnya kita berfikir apa yang telah kita sumbangkan pada negara..walau tak banyak pun sedikit sudah memadai. Ada apa dengan boikot? Ya,mungkin sekarang permulaan langkah sebagai mencari identiti kita. Mari kita lihat dengan lebih jauh lagi ke mana hala-tuju ekonomi diri dan negara? Kenapa baru sekarang nak menyekat pembelian daripada Tesco? Bagaimana pula pasaraya besar yang lain daripada luar seperti cendawan tumbuh di negara kita? Sebenarnya semua ini boleh dilihat sebagai kebangkitan rakyat Malaysia sendiri untuk menyokong peruncit tempatan, disamping bersikap positif terhadap kemampuan sendiri dan kebolehan sendiri. Pasaraya tempatan sepatutnya untuk rakyat tempatan bersikap lebih adil dan telus, sentiasa memikirkan nasib dan keadaan persekitaran. Ingatlah keuntungan saja tak menjamin kesetiaan pelanggan, malahan rakyat sekarang lebih bijak memilih pasaraya mana yang lebih banyak membantu rakyatnya. Sokonglah barangan tempatan, disamping tubuhkan latihan bagi usahawan-usahawan muda untuk meningkat naik. Secara tak langsung usaha ini haruslah secara berterusan, secara sedar atau tidak di ruangan blogspot atau blogger-blogger ada mereka yang mengusahakan perniagaan mereka sokonglah mereka ini...mungkin mereka memerlukan tapak permulaan untuk berkembang...
When we talking about entrepreneurs, we want to know what is the characteristics of successful entrepreneurs? Even though new characteristics are continually being added to the list, it does provide important insight into the entrepreneurial perspective.
1.Initiative and Responsibility
Most researchers agree that effective entrepreneurs actively seek and take the initiative. They willingly put themselves in situations where they are personally responsible for the success or failure of the operation. Entrepreneurs feel a personal responsibility for the outcome of ventures in which they are associated. They like to take initiative in solving problem where no leadership exists.
2. High Degree of Commitment
Launching a venture successfully requires total commitment from entrepreneurs. This commitment helps entrepreneurs to overcome business-threatening mistakes and obstacles. Entrepreneurs commitment to their ideas and ventures they spawn determine how successful those ventures ultimately becomes.
3. Opportunity Orientation
Entrepreneurs focus and start on opportunities rather than on resources, structure or strategy. They begin with opportunities and let their understanding of them guide other important issues. Entrepreneurs have a well- defined sense of searching for opportunities. In searching for new business opportunities, entrepreneurs observe the same events other people do, but they see something different. Entrepreneurs are not only capable of searching for opportunities but also capable of seizing extraordinary opportunities.
4. Moderate Risk Taker
Entrepreneurs are not wild risk takers; they are calculated risk takers. When entrepreneurs participate in any venture, they do so in a very calculated, carefully thought manner. They often avoid taking unnecessary risks.
5. Confident & Optimistic
Entrepreneurs typically have an abundance of confidence in their ability to succeed. They tend to be optimistic about their chances for success, and usually their optimism is based on reality. The high level of confidence and optimism explains why some of the most successful entrepreneurs have failed in business, often more then once, before finally succeeding.
6. Creative and Innovative
Creativity and innovative are important for entrepreneurs to gain a competitive advantage in their ventures. Through their creative and innovative minds and imagination, entrepreneurs can produce unique goods and services for customers. Creativity is not inherited, it can be learned.
7. Seeking Feedback
Entrepreneurs like to know how they are doing and are constantly looking for reinforcement. They actively seek and use feedback to improve themselves and their venture performance. From feedback, entrepreneurs can learn from their mistakes.
8. Drive to achieve
Achievement seems to be the primary motivating forces behind entrepreneurs. Entrepreneurs are self-starters who internally have a strong desire to complete, to excel,and to pursue and attain challenging goals. One of the common misconceptions about entrepreneurs is that they are driven wholly by desire to make money. To entrepreneurs, money is simply a symbol of achievement. It is not the driving motive of most entrepreneurs.
9. Ability to Set Vision
Entrepreneurs know what they want to achieve. They have a vision or concept of what they can be. Not all entrepreneurs have predetermined visions for their firm. In many cases, this vision develops over time as entrepreneur begins to realise what the firm is and what it can become.
10. Skilled at Organising
Building a venture "from scratch" is not easy. So, entrepreneurs know how to put the right people to accomplish a task. Entrepreneurs are able to organise their resources in an effective way so as to inform their visions into reality.
11. Internal Locus of Control
Entrepreneurs believe that the success or failure of their venture depends on themselves. Their accomplishments and setbacks are within their own control and influence, and they can affect the outcome of the actions.
12. Tolerance of Failure
Entrepreneurs do not become disappointed, discouraged or depressed by failure. They use failure as a learning experience. In difficult times, they still look for opportunities. Most entrepreneurs believe they learn more from their early failures than from their early successes.
13. High Level of Energy
Entrepreneurs are more energetic than the average person. Entrepreneurs need to have a high level of energy so as to cope with the extraordinary workload and the stressful demands they face. That energy may be a critical factor, given the incredible effort required to start-up a company.
14. Team Building
Most successful entrepreneurs have highly qualified, well motivated teams that help handle the venture's growth and developments.
15. Independent
Entrepreneurs are independent people. They like to accomplish tasks in their own way. This does not mean entrepreneurs must make all the decisions. They want to have authority to make important decisions.
16. Flexibility
Entrepreneurs are not rigid in their venture. They are flexible and have abilities to adapt to the changing world economy, rigidity often leads to failure.
Everyone need motivate, I think everyone in Malaysia now who is Irfan Khairi the Malaysian youngest internet millionaire. 1st Jan 2009 he made a song's who can motivate everyone when listening. The song's is "Selamanya" and "Reaching Higher".
The positive result of team-work are very obvious. They produce an effect called SYNERGY - meaning that the whole is bigger than the sum of its parts: that a few people working together can produce more shoes per person, through specialisation, etc. than one person working at it alone.
A team is a group of people working toward specific objectives in given operational situation. Teams must have purpose, know that the individual and organisational objectives are. This is followed by the question of how they fit into the organisational structure, the type of power they possess, their clear plan of duties and responsibilities and the people who are to be members of it.
Texas Instuments Malaysia have teams with revolving leadership, Sharp has urgent development project teams which have their own budgets, recruit their own people, purchase their own equipment. Normally, Sharp streams have a life span of eighteen months. Their objective - the team is to identify potential for technological development.
Small workgroups, between four to twenty people, can have responsibility to manage their day-to-day job functions. Team members can set their own goals, share workload and engage in cross training. Self-directed teams operate with little supervision and can make important decisions. High performance, cutting wastage, etc.
Building group team spirit and working towards enhanced results is one of the major function in management. Excellent companies, inevitably, posses, superior team spirit and owesome work.
TeamWork
Coming Together is a Beginning Keeping Together is Progress Working Together is Success
A Team .....a group of people with complimentary skills who are committed to a common purpose, performance goals and approach for which they hold themselves mutually accountable.
TeamWork Working together ordinari people can perform extraordinary feats. They can lift things a little higher and a little further towards greater heights.
Indicators of Poor Teamworks
Lack of open disagreement Failure to share information Conflicts within the team Low commitment Tension and stress High employee turnover Increased absenteeism
Indicators of Good Teamwork
Open communication Open disagreement Productive meetings Low tension and stress Low staff turnover Few complaints or grievances
Studies by the National Institutefor Occupational Safety and the American Psychological Association show that stress on the job siphons of more than US$500 billion from the economy. A survey by an insurance company showed that 50% of those interviewed said that stress reduced their productivity. 46% said that they experienced more job stress now than a few years ago. Minor illnesses like headaches, backaches, anxiety and fatigue and major illness like hypertension, heart attacks, ulcers, strokes are common in places where workers experiences a high level of stress. How will this apply in Malaysia? We witness a high rural urban migration, we see the setting up of high-tech fast paced industries ; we rush to and from work. Many of us are in the rat race, working ourselves towards becoming type A personalities.
A neglected risk factor.
Stress is a highly complex and personal matter. It affects all of us in the way we feel, behave, perform at work, and fall prey to accidents or illness. Stress occurs whenever we feel under any pressure. It also a response to any situation to which we are accustomed. It is virtually impossible to formulate an accurate definition of stress because it varies so much accordingto person's perception of situation, as well as his ability to cope it.
Perception of Stress.
Different people, when confronted with the same information, situation or problem, will respond to it in different ways. What feels like overwhelming stress to one person may be a stimulating challenge to another or mere trifle to a third person.
Our genetic endowment, upbringing, education and previous experience in dealing with such situations will determine whether they are challenging, threatening, acceptable or boring and tension, physiological, such as a rise in blood pressure; or behavioral, such as defying authority.
Some Stress is Necessary.
A certain amount of stress is essential for our personal growth; it gives us a zest for life, spurs us on, keep us going and makes us creative. Too few challenges make our lives boring and frustrating and this can be just as stressful as too many challenges. It has been said that finding the right balance is like adjusting the strings of a musical instrument to obtain melodies tune : too loose the tune will break.
Stress is a fact of life : we can't escape it. Any change, pleasant or not, is stressful to some degree. A new love affair, getting married, going on holiday and being promoted are all examples of positive kind of stress. Bereavement, being burgled and breaking leg, on the other hand, are all negative type of stress, but as long as these experiences are few and far between, most of us would recover from them without any long-term ill effects. Becoming tense over making a difficult decision, getting anxious about the outcome of an uncertain situation, worrying about the problems of relationships with others and feeling frightened when faced with dangers are all perfectly normal reactions. The stress response prepares us to face all these difficult situations.
How to Recognize Stress
In order to recognize the signs and symptoms of stress in yourself or anyone else, it is necessary to understand what effect it has on the body and mind and on behavior. The "fight or flight" machanism Whenever we receive a stress signal, whether real or imaginary, a biological mechanism called the "fight or flight" response comes into operation. The situations that cause this response are known as stressors.
As soon as the brain receives a stress signal, the production of adrenaline and other stress hormones is stepped up
The liver release sugar and fats, which flow into the bloodstream to provide fuel for quick energy
Red blood cells flood the blood-stream, carrying more oxygen to the muscles of the limbs and brain
The heart beats faster and blood pressure rises, ensuring that sufficient blood reaches the necessary areas. This can sometimes be felt as pounding heart of racing pulse
The blood clotting mechanism is activated in anticipation of injury. This clotting mechanism ensures that the clots seal up the injured blood vessels
The muscles become tense in preparation for action: leg muscles are tense in readiness to run; fists and jaw are clenched, ready to fight
Digestion ceases, so blood may be diverted to the muscles and brain
Perspiration increases in anticipation of the heat that may be induced by fighting
The mouths feel dry
The bowel and bladder muscles may become loose so there may be desire to defecate or urinate
The pupils dilate to let more light in so that you can see in the dark
The senses are heightened, enabling quick action and decision making
The person who undergoes these changes is in prime state of readiness to deal with danger, challenges or other feel of imaginary demands. It is also important, however, to recognize that this state is a temporary one, reserved to deal with emergencies. The body cannot maintain it as a lasting condition.
Once the immediate threat has been removed or overcome, or after we have adapted to the disturbance, a reverse mechanism is activated and the body returns to its normal state. If however, the stressor persists, another stressor develops or the resistance continues after the stressor has been removed, the alarm stage is replaced by stress response which can show itself in a variety of ways.
Managing Strategies for Eliminating Type of Stressor = Elimination Strategies Time = Effective Time Management, Efficiency Time Management, Delegating
Encounter = Collobaration and clan building, interpersonal competency
Situational = Work design
Anticipatory = Goal setting, Small wins
Article by Trainer Alliance - Corporate Learning Provider
Remember at local TV advertised that said " Kami bukan Ah Long, Kami mau tolong. "
Malaysian Entrepreneurs who are keen to venture into small business or increase their working capital should apply for a loan from Yayasan TEKUN Nasional (YTN) instead of turning to unscrupulous 'Ah Long' for the loan.
The Entrepreneur Fund (TEKUN) managed by YTN had disbursed up to 134,000 small loans to about 80,000 entrepreneurs all over the country up to December 2006.
YTN managing director Syed Kamarulzaman Syed Zainol Khodki Shahabudin said that under the Ninth Malaysia Plan, YTN had been allocated RM350 million and that it had no problems in giving out loans to assist small-scale entrepreneurs.
"Anyone who fulfils the loan conditions should be able to obtain the loan. It's so much better and safer than borrowing from a loan shark," he said.
CONDITIONS SET BY TEKUN
Of late, "Ah Longs" have been hogging the headlines for resorting to criminal intimidation and other brutal tactics against those who failed to pay up. Though the media has given wide coverage on the issue, there are still individuals who are ignorant and resort to borrowing from these loan sharks.
Some gave the excuse for turning to "Ah Longs" because agencies like TEKUN, MARA and banks failed to help them.
In refuting this, Syed Kamarulzaman explained that the conditions imposed for loans by TEKUN were minimal but if they failed to fulfil YTN's prerequisites, they would not get the loans.
"The borrowers only need a permit, place to conduct the business and they must conduct the business full time. The process is facilitated by 192 TEKUN branches all over the nation with the cooperation of the District Entrepreneur Development Council (MPUD).
Unlike other financial agencies, TEKUN does not require the loan applicants to do much paperwork. They each need to fill up one form only.
"We also have to ensure that with the loan, they can do business and the income generated can be used to pay back the loan," he said.
LOAN PROCESS
In the early days, loans were approved within 90 days. But now the process takes only 45 days.
"For a short-term loan, like for operating a Ramadan stall, the process takes only two weeks," Syed Kamarulzaman said.
He, however, regretted that many of the businessmen only turned to TEKUN when they were in financial trouble.
"As they feel the 45-day period is too long, they end up going to Ah Long who can approve their loan within a day. In fact, as business people, early planning is necessary, rather than acting at the last moment," he said.
"There is another category of Ah Long described as 'soft Ah Long' who don't lend out money but make sure the borrowers are indebted to them," he revealed.
"For example, they supply items to retailers, farmers and fishermen and establish good rapport with them.
"The catch is that they offer the products at lower prices or allow credit to the buyers who can pay in instalments.
"As they are indebted, they are bound to return to the soft Ah Long. This is in contrast to Bumiputera suppliers who offer goods at higher prices as they procured them at high prices too.
"These are the problems plaguing Bumiputera businessmen. Poor business networking and lack of knowledge in marketing their products add to their woes," he lamented.
However, he felt that many of those who got into trouble with Ah Long were those who borrowed for reasons other than doing business. They used the money to paying off an existing loan, for example.
Only by doing business they can expect returns that can be used to pay off the debts and reinvest to improve their business.
ENTREPRENEURSHIP A CAREER
With eight new products launched last December, it is hoped that youths, women, rural folk and undergraduates will pursue entrepreneurship as a career of choice.
The products are TEKUN Niaga, TEKUN Tunas, TEKUN Tani, TEKUN Ternak, TEKUN Rakan Niaga, TEKUN Jangka Pendek, TEKUN Pelancongan and TEKUN 2nd Chance.
Through its workshops, YTN provides guidance for entrepreneurs before and after receiving the loans and this has helped create many new, successful Bumiputera businessmen.
"Those selected to attend the workshops are the ones with potential and are serious in conducting business. They are also shown the way to establishing business networking," said Syed Kamarulzaman.
On unemployed graduates, he said various efforts were being taken to lure them into entrepreneurship and TEKUN had a number of loan schemes for them.
If anyone needs capital to start a business, TEKUN is ready to help. In fact, the foundation also provides short-term loans to graduates who want to start a career as insurance agents.
TEKUN is doing all its best to help these undergraduates establish themselves.
So, it's up to the people, whether they want to look for Ah Long or TEKUN when they need help.
By Nurul Halawi Azhari
-- BERNAMA
TEKUN Financing Scheme
Objective
To provide microfinance facility for working capital requirements to assist the small entrepreneurs in their existing new start-up business and project implementation.
Maximum tenure : 6 months to 5 years
Minimum financing : RM500
Maximum financing : RM50,000
Eligibility criteria
Malaysian entrepreneurs aged between 18 to 60 years old
Possess a valid business licence or permit or registration
No unsatisfactory record with financial institutions and Government agencies
Entrepreneurs directly involved in the business
Existing business borrowing should be within the range of RM5,000 to RM20,000 subject to the type of TEKUN financing scheme
Type of assistance / Form of financing
TEKUN Business (TEKUN Niaga)
Additional working capital for fixed and mobile stall or business premise to undertake services, transportation and manufacturing activities
TEKUN Business Venture (TEKUN Rakan Niaga)
Funding for joint venture business package with TEKUN i.e. beauty products, frozen food, tuition centre and others as specified by TEKUN
TEKUN Start up (TEKUN Tunas)
Start-up capital for potential and new entrepreneur to operate fixed or mobile stall or business premise to undertake services, transportation and manufacturing activities
TEKUN Animal Husbandry (TEKUN Ternak)
Provide financing to start or expand business or project in animal husbandry such as cattle and goat rearing, breeding bird (Puyuh), fresh water fish and prawns
TEKUN Agriculture (TEKUN Tani)
Provide financing to start or expand business or project in agriculture such as planting banana, corn, sugar cane and vegetables or ornamental plant such as orkid, cactus and bonsai tree/plant
TEKUN Short Term Financing package (TEKUN Jangka Pendek)
Working capital financing ranging from RM500 to RM2,000 with weekly repayment period between 1 to 3 months to operate business stall for day or night market, Ramadhan Bazaar, Exposition and Sales Promotional activities
TEKUN Tourism (TEKUN Pelancongan)
Provide financing to start or expand business or project in tourism sector for activities such as Homestay program, chalet, recreational equipments, agro-tourism and others as specified by TEKUN
Application procedure
Contact the nearest TEKUN’s office
Attend briefing by YTN
Application to be submitted to Yayasan Tekun Nasional
Contact Yayasan TEKUN Nasional
No. 2, Wisma Matmunap
Jalan 4/146, Metro Centre
Bandar Tasik Selatan
57000 Kuala Lumpur
Tel : 03-9058 8550
Fax : 03-9059 5980
Studies show that everyone, on the average, are interrupted every minute or so. Their time is controlled by persistent, bothersome and energetic people. Robert Guest's study found out that an industrial foreman images between 237 and 1073 separate incidents with no real breaks. Interruptions, wasteful, affects almost everyone.
Time is inelastic - demand has no influence on supply
Time is irreplaceable. Once it has gone, it has gone forever
1/4 of the demands of our time, can be thrown away
600 hours each year spent on things that if we stopped doing, no one will notice
Remember - we are here for "results" not "to do"
Vilfredo Pareto - 80/20 rule. We often spend 80% of our time on work that contribute about 20% to our work objective
"The concept of vital few and trivial many"
Some Tool
Daily - to do list
Cut the rituals - Coffee breaks, etc
Hours in the morning - most creative
Successes in the first hour
Arrive early
THINK - can increase productivity by 30%, can reduce time taken to complete task by 1/3
Start with the easiest
Interruptions / Diversions - Where? Who? - meet in people / place - stand up " Be ruthless with the time but gracious with people"
Apply conversation - ending techniques
The telephone : 40% spend more than 2 hours on the phone everyday
Plan calls in advance
Delegate calls
Watch out for interruptions.
TIME is .......
Free
Finite
Fair
Fixed
TIME
A measure of duration It exists naturally It exists in the mind / clock / watch / or just about anywhere...
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