Written by AbangNara | December 29th, 2016

1

Hampir setiap hari apabila keluar dari rumah, Abang Nara akan nampak poster-poster “Ah Long” yang menawarkan pinjaman bertebaran di tiang-tiang elektrik. Secara umumnya, ramai yang mengetahui bahawa sekali kita meminjam dengan Ah Long, selamanya kita akan merana. Namun biasalah manusia, semua benda nak mudah dan cepat, itu yang sanggup membahayakan diri membuat pinjaman dengan badan kewangan tidak berlesen. Bila dah sedar diri kena tipu barulah nak sedih dan buat laporan polis sebagainya.

2

Ada macam-macam tujuan seseorang itu membuat pinjaman. Ada yang nak bayar hutang (tapi buat hutang), ada yang nak pergi bercuti dan ada juga yang nak besarkan perniagaan. Hari ini Abang Nara nak berkongsi kisah 3 rakyat Malaysia yang telah berjaya memajukan lagi perniagaan mereka tanpa membuat sebarang pinjaman dengan Ah Long. Agak-agaknya apa rahsia diorang ye? Jangan risau Abang Nara akan sharekan juga rahsia diorang. Jom kita ushar jom.

1. Sri Ratha Mahalingam, peniaga kedai runcit

3

Mempunyai sebuah kedai runcit di Kuantan, Sri Ratha Mahalingam telah membuat pinjaman menerusi Skim Pembiayaan Mikro BSN untuk mengembangkan perniagaannya. Dengan wang tersebut, Sri Ratha telah membeli stok barangan yang lengkap dan membayar deposit untuk sebuah kedai runcit baru. Kini Sri Ratha sudah pun memiliki 2 buah cawangan kedai runcitnya. Power kan?

Alang-alang dah sebut, Abang Nara nak cerita sedikit tentang Skim Pembiayaan Mikro BSN ini. Telah pun dimulakan sejak tahun 2007, tujuan utama skim ini diwujudkan adalah untuk menyokong dan membantu usahawan/perusahaan mikro mendapatkan akses kewangan. Iyerlah, kalau nak besarkan perniagaan yang ada sekarang mana nak cekau modal kan? Dengan 2 produk utama Skim Pembiayaan Mikro BSN iaitu BSN Micro dan BSN Micro/i (patuh syariah), kita boleh membuat pinjaman RM5,000 sehingga RM50,000. Tempoh pembayaran semula ialah dari 1 sehingga 5 tahun.

2. Haris Idris, perniagaan kenderaan pelancongan air

4

Brader ini memang Abang Nara respek. Melihat potensi pelancongan dan pengangkutan air di sekitar Pulau Gaya, Haris Idris mencuba nasib membuat pinjaman Skim Pembiayaan Mikro BSN. Selepas 2 minggu, ia telah diluluskan. Terus Haris Idris beli bot dan mula membawa pelancong menikmati keindahan pantai-pantai di Pulau Gaya, Sabah. Sekarang brader nie dah ada 8 buah bot dan kontrak dengan resort-resort berdekatan. Semuanya bermula dengan saja-saja tanya tentang Skim Pinjaman Mikro BSN. Respek!!!

Senang je syarat-syarat nak buat pinjaman menerusi Skim Pembiayaan BSN ini. First thing first kenalah warganegara Malaysia. Lepas itu kena ada syarikat yang telah didaftarkan secara sah. Kemudian perniagaan tersebut perlulah diusahakan sepenuh masa. Iyerlah takkan nak bagi pinjam duit kepada mereka yang tak komited kan? Jika diperlukan, kena ada penjamin. Tapi kalau business dah ok plus korang pun tak banyak hutang, tak payah penjamin pun tak apa. Banyak lagi informasi yang boleh dibaca di www.bsnmicro.com .Semua tentang Skim Pembiayaan Mikro ada di situ.

3. Shafei Ghazali, pengusaha batik Terengganu

5

Bermula dengan pengalaman menjual kain, Shafei Ghazali kini telah memiliki 2 buah kilang moden batik sutera Terengganu selepas perniagaannya dipacu dengan bantuan kewangan menerusi Skim Pembiayaan Mikro BSN. Shafei juga turut memenangi Anugerah Usahawan Terengganu 2003 kerana usaha gigihnya. Power tak power lah.

Untuk makluman, sehingga Februari 2016, Skim Pembiayaan Mikro BSN ini telah berjaya membantu lebih daripada 50,000 pelanggan seluruh Malaysia dengan jumlah pembiayaan keseluruhan mencecah lebih daripada RM1 billion. Malah lebih 18,000 usahawan telah berjaya dibantu untuk mengembangkan lagi perniagaan mereka. Ramai kan?

6

Jadi sekiranya anda seorang peniaga dan ingin mengembangkan lagi perniagaan anda, jangan pergi pinjam daripada Ah Long. Sebaliknya pergilah ke cawangan BSN berdekatan untuk bertanya tentang Mikro BSN dan juga BSN Mikro/i. Abang Nara pasti pegawai bertugas akan membantu anda dengan gembiranya. Jangan lupa layari BSN Micro dan juga Facebook BSN untuk mendapatkan informasi terkini.

TAGS:
PERHATIAN: Pihak BeautifulNara tidak akan bertanggungjawap langsung ke atas komen-komen yang diberikan oleh pembaca kami. Sila pastikan anda berfikir panjang terlebih dahulu sebelum menulis komen anda disini. Pihak BeautifulNara juga tidak mampu untuk memantau kesemua komen yang ditulis disini. Segala komen adalah hak dan tanggungjawap anda sendiri.

27 responses to Nak Besarkan Perniagaan Tapi Tak Ada Modal? 3 Kisah Kejayaan Tanpa Meminjam Ah Long Ini Pasti Akan Menaikkan Semangat Anda

  1. CorlissKDorf says:

    magnificent submit, very informative. I ponder why another
    experts on this sector don’t notice this. You should continue your writing.
    I’m confident, you may have an enormous readers’ base already!

    0

    0
  2. Anonymous says:

    CTOS, CCRIS CHECK TAK?

    0

    0
  3. stafaband says:

    menginspirasi sekali nih mereka abang nara …

    0

    0
  4. melati says:

    hahahahaha….. Hutang & Melayu dh sebati..!!! terutama Retis2 baru nk up ni , baru ader duit 2K dlm simpanan ader hati nk pakai BMW lah AUDI lah hmmmm

    0

    0
  5. MyungMWasham says:

    I’m impressed, I have to admit. Seldom do I run into your blog that’s equally educative and amusing,
    and without a doubt, you’ve hit the nail about the head.

    The issue is something too few folks are speaking intelligently about.
    I’m thrilled that I came across this during my search for something in regards to this.

    0

    0
  6. AuroraURafus says:

    I am actually pleased to glance at this blog posts which contains tons of valuable data, thank
    you for providing these data.

    0

    0
  7. JudeBForth says:

    You could certainly see your skills in the article you write.
    The sector hopes for more passionate writers like you who aren’t afraid to say the direction they believe.

    Always go after your heart.

    0

    0
  8. MeghanESauce says:

    Howdy could you mind sharing which blog platform you’re working with?
    I’m going to start my own blog soon but I’m possessing a difficult time making a
    decision between BlogEngine/Wordpress/B2evolution and Drupal.
    The key reason why I ask is simply because your layout seems
    different then most blogs and I’m seeking something completely unique.
    P.S My apologies for being off-topic nevertheless i had to ask!

    0

    0
  9. MalikJMedley says:

    I take pleasure in, lead to I found exactly what I was looking for.
    You’ve ended my four day lengthy hunt! God Bless you man. Have a nice day.

    Bye

    0

    0
  10. ArdenHLauzon says:

    First of all I want to say great blog! I had a fast question in which I’d want to ask in the event you don’t
    mind. I was curious to learn the method that you center yourself and clear your feelings ahead of writing.
    I’ve had a difficult time clearing my mind to get my ideas around.
    I actually do enjoy writing but it really just appears like the 1st 10
    to 15 minutes are usually lost simply just considering
    where to start. Any suggestions or tips? Appreciate it!

    0

    0
  11. MartyJHerrin says:

    Hello there! I really could have sworn I’ve gone to this web
    site before but after going through a number of the
    articles I realized it’s new to me. Nonetheless, I’m
    certainly happy I came across it and I’ll be book-marking it and checking back often!

    0

    0
  12. MariluYKeefe says:

    Howdy very nice web site!! Man .. Excellent .. Amazing .. I will bookmark
    your website and take the feeds additionally? I am happy to find so many helpful information here in the post, we’d like develop extra strategies in this regard, thanks for sharing.

    . . . . .

    0

    0
  13. RussTAllmand says:

    You really make it seem very easy along with your presentation nevertheless i find this topic to become really something which I think I would never understand.
    It appears too complex and very broad in my opinion. I’m anticipating for your upcoming
    post, I’ll try to find the hang of it!

    0

    0
  14. RamonVFietek says:

    Hello! Someone inside my Facebook group shared this website with us and so i got to look it over.
    I’m definitely loving the data. I’m book-marking and are tweeting this to my
    followers! Wonderful blog and terrific style and design.

    0

    0
  15. AshleyYWhish says:

    We’re a small group of volunteers and starting a whole new scheme within our community.
    Your website offered us with valuable info to operate on. You’ve done an outstanding job and our
    whole community will probably be thankful for your needs.

    0

    0
  16. ChasTRanck says:

    Heya i am just the very first time here. I found this board
    and that i think it is truly useful & it helped me to out much.
    I am hoping to offer something back and aid others like you helped me.

    0

    0
  17. Why site visitors nonetheless use to read news forms while in this specific technical
    planet all is actually established on internet?

    0

    0
  18. I am not sure how the rules operates in Asia concerning
    stabbings, however someplace there is the best countertop-hit
    pro in the same way alleviated that the victim
    failed to expire as the prey themselves. Sides offers numerous good tunes particularly
    early on ” up ” menus. It really is got a great ranking method the spot where the most your play with a specific gun, the greater number of improvements you get forit.

    0

    0
  19. AlanSBreer says:

    We absolutely love your blog and find the majority
    of your post’s to be exactly I’m looking for.

    Do you offer guest writers to write content for you personally?
    I wouldn’t mind composing a post or elaborating on most of the subjects you write in relation to here.
    Again, awesome weblog!

    0

    0
  20. AgnusDKimbel says:

    Excellent blog! Are you experiencing any helpful hints for aspiring writers?
    I’m planning to get started on my own, personal blog soon but I’m a little
    lost on everything. Do you recommend beginning with a no cost platform like WordPress or go for a paid option? There
    are numerous options available that I’m completely overwhelmed ..
    Any recommendations? Thanks a lot!

    0

    0
  21. MariluYKeefe says:

    May I simply just say what a relief to discover someone who truly knows what they
    are talking about online. You actually realize how to bring a problem to light and
    make it important. More people really need to read this and understand this side of your story.
    I can’t believe you are not more popular since you surely have the gift.

    0

    0
  22. MaudDCottone says:

    Way cool! Some very valid points! I appreciate you scripting this post
    and also the other parts of the website is also really good.

    0

    0
  23. RobertOHamff says:

    Hi, Neat post. There’s a challenge together with your website
    in web explorer, could check this? IE nonetheless will be
    the market leader and an excellent component to other individuals will omit your great writing as
    a result of this issue.

    0

    0
  24. DerekHAnglea says:

    Quality content will be the main to attract the people to head to see the site, that’s what this site is providing.

    0

    0
  25. EddyUKiritsy says:

    Hi! Someone during my Myspace group shared this site along with us thus i
    came to take a look. I’m definitely enjoying the information. I’m
    bookmarking and you will be tweeting this to
    my followers! Wonderful blog and great style and design.

    0

    0
  26. GitaCDenegre says:

    I’ve been exploring for a bit for any good quality articles or blog
    posts with this type of area . Exploring in Yahoo
    I at last stumbled upon this website. Reading this info
    So i am just glad to show that I’ve a remarkably excellent
    uncanny feeling I determined exactly the things i needed. I such a lot undoubtedly
    can certainly make certain to don?t forget this site
    and gives it a glance on a constant basis.

    0

    0
  27. MayeZCorak says:

    If some one wants expert view regarding blogging afterward
    i propose him/her to pay a visit this blog, Continue the nice job.

    0

    0