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Jumaat, 7 Jun 2013
Selasa, 31 Januari 2012
Isnin, 30 Januari 2012
Borang Permohonan Pinjaman SARA 1Malaysia
ntuk membuat permohonan SARA 1Malaysia, borang untuk menyertai Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia) boleh didapati di bank tempatan yang terpilih seperti Malayan Banking Bhd, RHB Bank Bhd, CIMB Bank Bhd dan Bank Simpanan Nasional Bhd (BSN) mulai 30 Januari 2012. Tempoh permohonan adalah selama satu tahun.
Syarat Kelayakan Permohonan Sara 1Malaysia
- Permohonan Skim Sara 1Malaysia ini terbuka warganegara Malaysia berumur antara 18 hingga 58 tahun
- Pendapatan kasar isi rumah pemohon mesti berada dilingkungan antara RM500 hingga RM3,000.
- Pemohon tidak pernah muflis sepanjang tempoh pembiayaan pinjaman
- Pemohon dan/atau pasangan tidak memiliki pelaburan di dalam mana-mana unit amanah ASNB ATAU; sekiranya ada, jumlah pelaburan terkumpul bersamaan atau kurang dari RM10,000
- Pemohon dan /atau pasangan tidak menerima bantuan dari skim-skim khas lain Kerajaan yang diuruskan oleh ASNB seperti Program Bantuan Pembangunan Rakyat Termiskin (PPRT), ASB Sejahtera dan ASW 2020 Bandar
- Hanya salah seorang isi rumah yang layak memperolehi pembiayaan pinjaman
- Permohonan diluluskan bagi pinjaman di satu bank sahaja
Jumaat, 14 Oktober 2011
Lim Goh Tong
MALAYSIAN Billionaire tycoon Lim Goh Tong has died at the age of 90, following a short illness, leaving an estimated US$4.3 billion (S$6.2 billion) fortune.
The tycoon handed over the running of an empire with interests in property, power generation, plantations, paper manufacturing and information technology.
Genting's Hong Kong-listed subsidiary, Star Cruises, is the third-largest cruise operator in the world, while the group also controls Britain's biggest casino operator Stanley Leisure.
But Tan Sri Lim, one of Malaysia's wealthiest businessmen, is best known for turning Genting Highlands, a hill outcrop just outside the capital Kuala Lumpur, into one of the world's most profitable casino resorts.
And to his admirers, he was more than just a developer, personifying the clutch of overseas Chinese business entrepreneurs who fled hardship in their homeland to build the corporate empires that played a major role in South-east Asia's economic boom.
"He is a model of success, starting from scratch, and his achievements came through hard work" said Tan Sri William Cheng, who controls Malaysia's diversified Lion Group of companies.
Tan Sri Lim, who hailed from China's Fujian province, was forced to leave school at the age of 16, after his father died, and began selling vegetable seeds to support his family.
In 1937, he left Fujian for what was then British-controlled Malaya, where he dabbled in a host of businesses ranging from selling machinery to building and tin mining.
Tan Sri Lim, who did not speak English and conversed with Malaysia's political elite in colloquial Malay, came up with the idea of a hilltop resort while working on a hydroelectric project in 1963.
The development of Genting, whose name in Chinese means "on top of clouds", now attracts more than 18 million visitors a year, but it brought him perilously close to bankruptcy before taking off.
He was helped by the Malaysian government, which subsidised the building of a road to the resort and awarded him a casino licence.
But his eventual success was attributed to his entrepreneurial spirit, and he gave an insight into his style in his recent autobiography.
"The Genting project fitted my idea of an ideal business," he wrote.
"No one was interested in it, which meant no competition."
He always used this as his success key
1. Never make language barrier a limitation to succeed. Lim Goh Tong did not speak or write in English. He spoke Hokkien in his native land China, and after coming to Malaysia, he learned Bahasa Malaysia, Cantonese & Mandarin. But that did not stop him to negotiate one of the biggest business contracts in the country.
2. Be polite, humble and respectful to others. If you can rub shoulders with tycoons, politicians and high officials, ask yourself, can you get along well too with hawkers and manual workers? Often times, success goes to our heads and we forget where we came from and our hardship seems to be a forgotten past.
3. When it comes to appointment and meeting, have a habit to be punctual. Better still, come 5 to 10 minutes early. Malaysians have a very weird habit when it comes to appointments, interviews and meeting. Don’t be one. Make punctuality your personal and business principle.
Do not make excuse to cancel appointments just because the person is not important. Also, a good advice is that, if you want to know if a person will be a good friend and business partner, watch if he arrives on the appointed time when you set a date or meeting. If you are late for job interview when you can be early, know that you will not make a good employee.
4. Live a disciplined, simple life. Get up early from bed to start your day. You will see prosperity coming your way.
5. Make effort to carry something that you can write or jot down when you have anything coming to mind. Lim Goh Tong used small notebook. Now you are spoiled with choices when it comes to note taking - PDA, mobile phone, note book and so on. Do not make excuses. Also, organize your day with a diary or personal organizer. Always create a to do list.
6. Be bold yet cautious (the Chinese say ‘dan da xin xi‘). Try things that have never been done before. Challenge the norm of ways of doing work or job. Be willing to take that risk. A reward is waiting at the end of it.
7. Believe the power of conviction. If you make a decision and you believe that is a strong one, go ahead with it, no matter what you are up against. Believe in yourself.
8. Don’t make enemies. Avoid stepping on other people’s toes which is quite a norm in business and corporate world. People who do this will not last long. People who take short cut will have their success short lived. You have witnessed this. People say sometimes this can’t be avoided. That’s a lie. Under all circumstances, stay away from it.
9. If you build a successful business and organization, always believe that the most valuable asset of a company is its people. It is the people that make up the organization. It is the people that run the organization. It is the people that makes things happen.
10. If you don’t have benefit and exposure to modern management, never doubt you can run a company as big as Microsoft. Good education is essential, but lack of education and training is never a barrier to become a boss to the smartest people on the planet.
11. Employ a person or make business with a person when you trust him or her. If you do not trust them; don’t employ and don’t make business with them.
12. Do good to others; you will be rewarded somehow. Learn to give first, and receive later.
13. Prepare for personality makeover. If you are shy and quiet (like Lim Goh Tong when he was 20s), learn to be articulate and more extrovert. Banish the shyness and the inferiority complex. Otherwise, you will not get that job, or awarded that business contract. If you are rude, learn to be polite.
14. Be grateful for what you have. Life has been kind to us. Hence we should treasure our life and make it a meaningful one. Drive yourself harder and become more committed to work.
The tycoon handed over the running of an empire with interests in property, power generation, plantations, paper manufacturing and information technology.
Genting's Hong Kong-listed subsidiary, Star Cruises, is the third-largest cruise operator in the world, while the group also controls Britain's biggest casino operator Stanley Leisure.
But Tan Sri Lim, one of Malaysia's wealthiest businessmen, is best known for turning Genting Highlands, a hill outcrop just outside the capital Kuala Lumpur, into one of the world's most profitable casino resorts.
And to his admirers, he was more than just a developer, personifying the clutch of overseas Chinese business entrepreneurs who fled hardship in their homeland to build the corporate empires that played a major role in South-east Asia's economic boom.
"He is a model of success, starting from scratch, and his achievements came through hard work" said Tan Sri William Cheng, who controls Malaysia's diversified Lion Group of companies.
Tan Sri Lim, who hailed from China's Fujian province, was forced to leave school at the age of 16, after his father died, and began selling vegetable seeds to support his family.
In 1937, he left Fujian for what was then British-controlled Malaya, where he dabbled in a host of businesses ranging from selling machinery to building and tin mining.
Tan Sri Lim, who did not speak English and conversed with Malaysia's political elite in colloquial Malay, came up with the idea of a hilltop resort while working on a hydroelectric project in 1963.
The development of Genting, whose name in Chinese means "on top of clouds", now attracts more than 18 million visitors a year, but it brought him perilously close to bankruptcy before taking off.
He was helped by the Malaysian government, which subsidised the building of a road to the resort and awarded him a casino licence.
But his eventual success was attributed to his entrepreneurial spirit, and he gave an insight into his style in his recent autobiography.
"The Genting project fitted my idea of an ideal business," he wrote.
"No one was interested in it, which meant no competition."
He always used this as his success key
1. Never make language barrier a limitation to succeed. Lim Goh Tong did not speak or write in English. He spoke Hokkien in his native land China, and after coming to Malaysia, he learned Bahasa Malaysia, Cantonese & Mandarin. But that did not stop him to negotiate one of the biggest business contracts in the country.
2. Be polite, humble and respectful to others. If you can rub shoulders with tycoons, politicians and high officials, ask yourself, can you get along well too with hawkers and manual workers? Often times, success goes to our heads and we forget where we came from and our hardship seems to be a forgotten past.
3. When it comes to appointment and meeting, have a habit to be punctual. Better still, come 5 to 10 minutes early. Malaysians have a very weird habit when it comes to appointments, interviews and meeting. Don’t be one. Make punctuality your personal and business principle.
Do not make excuse to cancel appointments just because the person is not important. Also, a good advice is that, if you want to know if a person will be a good friend and business partner, watch if he arrives on the appointed time when you set a date or meeting. If you are late for job interview when you can be early, know that you will not make a good employee.
4. Live a disciplined, simple life. Get up early from bed to start your day. You will see prosperity coming your way.
5. Make effort to carry something that you can write or jot down when you have anything coming to mind. Lim Goh Tong used small notebook. Now you are spoiled with choices when it comes to note taking - PDA, mobile phone, note book and so on. Do not make excuses. Also, organize your day with a diary or personal organizer. Always create a to do list.
6. Be bold yet cautious (the Chinese say ‘dan da xin xi‘). Try things that have never been done before. Challenge the norm of ways of doing work or job. Be willing to take that risk. A reward is waiting at the end of it.
7. Believe the power of conviction. If you make a decision and you believe that is a strong one, go ahead with it, no matter what you are up against. Believe in yourself.
8. Don’t make enemies. Avoid stepping on other people’s toes which is quite a norm in business and corporate world. People who do this will not last long. People who take short cut will have their success short lived. You have witnessed this. People say sometimes this can’t be avoided. That’s a lie. Under all circumstances, stay away from it.
9. If you build a successful business and organization, always believe that the most valuable asset of a company is its people. It is the people that make up the organization. It is the people that run the organization. It is the people that makes things happen.
10. If you don’t have benefit and exposure to modern management, never doubt you can run a company as big as Microsoft. Good education is essential, but lack of education and training is never a barrier to become a boss to the smartest people on the planet.
11. Employ a person or make business with a person when you trust him or her. If you do not trust them; don’t employ and don’t make business with them.
12. Do good to others; you will be rewarded somehow. Learn to give first, and receive later.
13. Prepare for personality makeover. If you are shy and quiet (like Lim Goh Tong when he was 20s), learn to be articulate and more extrovert. Banish the shyness and the inferiority complex. Otherwise, you will not get that job, or awarded that business contract. If you are rude, learn to be polite.
14. Be grateful for what you have. Life has been kind to us. Hence we should treasure our life and make it a meaningful one. Drive yourself harder and become more committed to work.
Khamis, 13 Oktober 2011
Lee Shin Cheng
Lee Shin Cheng heads IOI Corporation Berhad (or better known as IOI Group) as its executive chairman.
IOI, which is listed in Bursa Malaysia, is one of the world's leading conglomerate managing oil palm plantations, specialty fats, oleochemicals and property development activities in Malaysia, Indonesia, United States, and Europe. IOI refinery in Rotterdam, the Netherlands is the largest palm oil refinery in Europe. IOI's oil palm plantations in Malaysia and Indonesia produce palm oil and palm kernel oil. These oils are made into specialty oils, metallic stearates and fats that are used in soaps, detergents, cosmetics and food additives. IOI Group is also a leading real estate developer in Malaysia: projects include townships, shopping malls, condominiums, office towers and resorts.
Lee grew up northeast of Kuala Lumpur on a rubber plantation, where his father ran a small Chinese food shop. He left school at the age of 11 to help support his family, selling ice cream on a bicycle for four years before returning to finish high school. He sought work with one oil palm plantation company for a supervisory job, but was turned down. The reason given—he didn't speak fluent English—important then because Europeans still own most of the plantations. Lee, who was then only 22, was undeterred with Dunlop Estate's rejection. He went on to apply and got a field supervisor job with at another palm oil company.
About 20 years later, Lee got his 'revenge' when he gathered enough financial might to buy up Dunlop Estate. In 2008, he recalled his happiest day of his life in an interview with the New Straits Times.
In 2005, in a rare field trip with stock analysts and journalists, Lee, the usually serious businessman,[1] revealed a lighter side to his personality. He pointed to the oil palm trees and in a deadpan face, said the trees were his girlfriends.[2]
In July 2009, while receiving an award on behalf of IOI Group at the Third Annual Best Financial Institutions in South-East Asia Awards in Kuala Lumpur, Lee lent weight to his moniker.[3]
Lee serves as, among others, a Board Member of Universiti Putra Malaysia, the Adviser to the KL & Selangor Chinese Chamber of Commerce and Industry, a Council Member of Malaysian Palm Oil Association (MPOA), a member of Malaysia-China Business Council, the Honorary President of Association of Eng Choon Societies of Malaysia and Federation of Hokkien Association of Malaysia.
Since 1998, Lee has been providing scholarships and educations grants to outstanding and bright young students via Yayasan Tan Sri Dato’ Lee Shin Cheng.
IOI, which is listed in Bursa Malaysia, is one of the world's leading conglomerate managing oil palm plantations, specialty fats, oleochemicals and property development activities in Malaysia, Indonesia, United States, and Europe. IOI refinery in Rotterdam, the Netherlands is the largest palm oil refinery in Europe. IOI's oil palm plantations in Malaysia and Indonesia produce palm oil and palm kernel oil. These oils are made into specialty oils, metallic stearates and fats that are used in soaps, detergents, cosmetics and food additives. IOI Group is also a leading real estate developer in Malaysia: projects include townships, shopping malls, condominiums, office towers and resorts.
Lee grew up northeast of Kuala Lumpur on a rubber plantation, where his father ran a small Chinese food shop. He left school at the age of 11 to help support his family, selling ice cream on a bicycle for four years before returning to finish high school. He sought work with one oil palm plantation company for a supervisory job, but was turned down. The reason given—he didn't speak fluent English—important then because Europeans still own most of the plantations. Lee, who was then only 22, was undeterred with Dunlop Estate's rejection. He went on to apply and got a field supervisor job with at another palm oil company.
About 20 years later, Lee got his 'revenge' when he gathered enough financial might to buy up Dunlop Estate. In 2008, he recalled his happiest day of his life in an interview with the New Straits Times.
"My happiest day was in 1989 when I bought over Dunlop Estate from Multi-Purpose Holdings Bhd. This was because during the late 1960s, I had applied for a job at Dunlop Estate but they did not employ me because I was not adequately qualified. If they had employed me, I would probably not have owned the entire asset of Dunlop Estate today. This purchase marked a significant milestone in my life," he said.
The Tree Talker
Lee adopted a hands-on managerial style and home in on what it takes to maximize yields as early as in the 1960s. Lee's untiring walkabout at IOI's 152,000 hectares of oil palm plantations in Malaysia and Indonesia has earned him the 'tree talker' moniker among journalists, rival plantation companies and banking circles in Malaysia.In 2005, in a rare field trip with stock analysts and journalists, Lee, the usually serious businessman,[1] revealed a lighter side to his personality. He pointed to the oil palm trees and in a deadpan face, said the trees were his girlfriends.[2]
"Each one has her own characteristics. If one produces well, I will tell her 'I love you'," Lee grins, adding that if a tree is not productive he would tell her that he will give her six to nine months to bear the quota of fruits. Surprisingly, they tend to bloom to expectation," he said.But what happens if after nine months, they still bore no fruit?
"Well, I'll tell her, 'I'm sorry darling. I will have to chop you down'," he said.The legend of Lee serenading to his trees gained mileage among business circles again when, at an vegetable oils conference in December 2008, Tun Musa Hitam, chairman of Sime Darby, a close rival to IOI Group, acknowledged Lee's singing of Tamil songs has worked wonders on oil palm yields. Musa then said he will 'seriously' think about asking his management team to sing Indonesian songs to the trees at the estates, too.
In July 2009, while receiving an award on behalf of IOI Group at the Third Annual Best Financial Institutions in South-East Asia Awards in Kuala Lumpur, Lee lent weight to his moniker.[3]
"I am always quoted as talking to the trees, so it looks like I have to continue talking to the trees to get another award,” he said.
Lee's children
Lee has two sons and four daughters, all were trained as lawyers. Lee and his family's control of IOI is held via Progressive Holdings Sdn Bhd. Although all six of Lee's children work in the company holding managerial positions, sons Dato’Lee Yeow Chor and Lee Yeow Seng are more prominent in the public by virtue of their representation in IOI's board of directors.Lee's published financial worth
The growing success of IOI in the last decade has to date propelled Lee to be Malaysia's 3rd richest[4] and world's 234th richest person.[5] FORBES magazine, in 2009, puts his net worth at $3.2 billion.Lee's contribution to society
In recognition of Lee's immense contributions to the evolving needs and aspirations of the property industry in Malaysia, he was bestowed the singular honour of FIABCI Malaysia Property Man of the Year 2001 Award. In February 2002, he was conferred the Honorary Doctorate Degree in Agriculture by Universiti Putra Malaysia in recognition of his contributions to the palm oil industry.Lee serves as, among others, a Board Member of Universiti Putra Malaysia, the Adviser to the KL & Selangor Chinese Chamber of Commerce and Industry, a Council Member of Malaysian Palm Oil Association (MPOA), a member of Malaysia-China Business Council, the Honorary President of Association of Eng Choon Societies of Malaysia and Federation of Hokkien Association of Malaysia.
Since 1998, Lee has been providing scholarships and educations grants to outstanding and bright young students via Yayasan Tan Sri Dato’ Lee Shin Cheng.
References
- ^ A passion for oil palms, New Straits Times, 9th Jan 2008
- ^ IOI's chairman's passion for his oil palms, New Straits Times, 31 Oct 2005
- ^ Lee refutes IOI Corp’s rights issue will affect dividend payouts The Star, 31 July 2009
- ^ Malaysia's 40 Richest Forbes Asia, 27 May 2009
- ^ The World's Billionaires 2009 Forbes, 27 May 2009
Selasa, 6 September 2011
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