Micro Business Loan Malaysia: Top 10 Tips

Getting business loan is quite challenging in Malaysia. You need to know every aspect of the business loans including the procedure to approach and getting approval. It is not that much tough to apply for  a business loan but, the approval is purely depends the way you project your business. 

For micro business the loan sounds as a uphill task. There are many types micro businesses in Malaysia. Dealing with taxes and having all the documentation is mandatory for availing loans. Your business need extra capital to run the business and to meet the unplanned expenses. 

Here are top 10 tips for micro business loan malaysia 

1. License: Make sure that you have all the licenses are with you and up to date as per the norms. Filing taxes and keeping all the records are mandatory. If you fail to maintain this, your application may not be approved and you may be disqualified in the process.  

2. Consult Financial Consultants: Make sure that you are not dealing with business loan brokers for the loan. You can trust the agencies like Treasure Advisory Sdn. Bhd. those have mentioned on the website about the vision and how they assist. Treasure Advisory firm has been helping businesses in dealing with business loan malaysia and company profile writing. 

3. Financials Records: Keep update all the financial records to apply the loan and need to show these facts and figures to the officials. Micro business owners have been neglecting this aspect for which they are unable to get business loan from the financial institutions. 

4. Collateral: Make sure that you know the types of business loan you have applied and what sort of collateral you need to provide. Once you are ready with the collateral, then you can go for the next action. 

5. Business Profile: The most important thing is to prepare a business profile that speak your business and its strengths. Write the best business profile so that the loan will be approved based on you profile and defined track record. 

6. Business Plan: Business plan is somethings that you'd like to show the growth aspects of your business. You can show your objectives though this and milestones you are doing to achieve. It may look like, it is not necessary for a business in micro nature, but certainly can add values to your application for business loans.

7. Business Valuation: It is always good thing to have business valuation done prior applying for any business loan. It will help you and there a fair chances that your application may got approved due to this. 

8. Income Tax: File you personal income tax returns as well as the business unit's. You need to do it on a consistent basis regardless of applying for business loans. If you have clear with the tax filings the chances of getting approval is quite higher. 

9. Types of Loans: There are many types of business loans. You need to pic the right one that matches with your requirement. Any shortage or higher disbursement might affect your business. 

10. Understand Your Need: Last but not least, understand what need you have, then plan for it and and go for business loan. Find out the ways you are going to use the loan amount in your business and how it will give your extra income. 

These tips will help you understanding the business loans and how you can approach & apply. We will assist you getting business loan in Malaysia, please write to us at info@treasureadvisory.com.

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2016 Government Job Notifications

Company	Position	Location	Last Date
Kendriya Vidyalaya (CRPF Pallippuram) ( Walk-in )	Counsellor/ Computer Instructor/TGT/PGT	Thiruvananthapuram.	27 Feb
National Institute For Interdisciplinary Science And Technology (NIIST-CSIR) ( Walk-in )	Project Assistant Gr.III	Thiruvananthapuram.	29 Feb
Kendriya Vidyalaya Burdwan  ( Walk-in )	PGT/TGT /Computer Instructor/Counsellor/Doctor	Bardhaman.	26 Feb
Govt.of Assam (Darrang Dist.)	Faculty Computer Education	Guwahati.	25 Feb
Defence Institute of Advanced Technology (DIAT) ( Walk-in )	Research Associate Polymer Chemistry	Pune.	01 Mar
Maharaja Sayajirao University of Baroda	Project Fellow Geography	Vadodara.	29 Feb
Govt. of West Bengal (District Health & Family Welfare Samity-South 24 Parganas) ( Walk-in )	General Duty Medical Officer ( GDMO )	Kolkata.	26 Feb
National Institute of Oceanography (NIO Mumbai) ( Walk-in )	Project Assistant Applied Geophysics	Mumbai.	01 Mar
Institute of Psychiatry	Assistant Professor/ Radiology Technician	Kolkata.	02 Mar
Army School Public Binnaguri	PGT/ TGT/ Counsellor	Kolkata.	24 Feb
Assam University ( Walk-in )	JRF Organic Chemistry	Silchar.	29 Feb
Power Grid Corporation of India Ltd	Diploma Trainee/Junior Officer Trainee	Anywhere in India.	14 Mar
NRSC-ISRO	Graduate/Technician Apprentices	Hyderabad.	06 Mar
Indian Navy	SSC (Executive & Technical Branches)	Delhi.	08 Mar
Rajasthan Police	Constable	Jaipur.	31 Mar
M.P. Power Generating Company Ltd.	Medical Officer	Jabalpur.	14 Mar
Guru Ghasidas Vishwavidyalaya ( Walk-in )	Field Assistant	Bilaspur.	07 Mar
Kendriya Vidyalaya (No.1, Kanchrapara) ( Walk-in )	PGT/Doctor	Kolkata.	25 Feb
IIM Lucknow ( Walk-in )	Academic Assistant/Programme Associate	Lucknow.	23 Feb
Balmer Lawrie & Co. Ltd.	Junior Officer (Travel)	Delhi.	22 Feb
IISER Pune	Project Assistant/ Fellow Biotechnology	Pune.	26 Feb
Kerala Forest Research Institute  ( Walk-in )	Project Fellow Botany	Thrissur	22 Feb
Indian Plywood Industries Research & Training Institute	Scientist / Library Assistant	Bangalore.	05 Mar
University of Rajasthan	Project Fellow Applied Geology	Dhanbad.	22 Feb
Maulana Abul Kalam Azad Institute	Project Fellow Botany	Jaipur.	20 Feb
Bankura Municipality	Fellows / Research Assistants History	Kolkata.	08 Mar
ISM Dhanbad	Support Staff	Kolkata.	25 Feb
Birla Industrial & Technological Museum	Lower Division Clerk	Kolkata.	31 Mar
JNU	Office Assistant	Delhi.	25 Feb
University of Calcutta ( Walk-in )	JRF Environmental Science	Kolkata.	22 Feb
West Bengal School Service Commission	Assistant Teacher	Kolkata.	15 Mar
Mishra Dhatu Nigam Limited	Junior Executives	Hyderabad.	24 Feb
IVRI ( Walk-in )	Research Associate Veterinary Science	Bareilly.	23 Feb
Haryana SSC	Motor Mechanic / Reference Assistant/ Statistical Assistant	Gurgaon.	10 May
Kerala PSC	Beat Forest Officer	Thiruvananthapuram.	09 Mar
Madhya Pradesh Professional Examination Board (VYAPAM)	Sub Engineer/Draughtsman	Bhopal.	07 Mar
Indian Air Force	Recruitment Rally	Bhubaneswar.	22 Feb
NPCIL	Assistant/ Stenographer/Pharmacist	Mumbai.	29 Feb
WBSEDCL	Asst. Engineer	Kolkata.	10 Mar
Garden Reach Shipbuilders & Engineers Ltd	Junior Manager	Kolkata.	07 Mar
Jharkhand SSC	Assistant Jailor Competitive Examination	Ranchi.	18 Mar
CRPF	Constable	Anywhere in India.	10 Mar
UPSC	Combined Geo Scientist/ Geologist Examination	Anywhere in India	04 Mar
NIT Tiruchirappalli	Project Staff	Tiruchirapalli.	26 Feb
VIT University	Project Fellow/Assistant Biomedical Engineering	Vellore	29 Feb
M.P Power Transmission Company Ltd	Executive Trainee (Electrical)	Jabalpur.	04 Mar
Mumbai Port Trust	Jr.Engineer/Asst.Executive Engineer/Accounts Officer	Mumbai.	22 Feb
DRDO(DAVP)	Scientist/Engineer B	Delhi.	10 Apr
TIFR	Engineer Trainee	Mumbai.	25 Feb
NTPC	Executive Trainees/ Assist Chemist Trainees	Delhi.	29 Feb
Kendriya Vidyalaya No.3 Pathankot (Mamoon Cantt) ( Walk-in )	PGT/TGT/ Computer Instructor	Pathankot.	09 Mar
Indian Railway (West Central)	Group C/Erstwhile Group D	Jabalpur.	27 Feb
IIITM Kerala	Technical Assistant	Thiruvananthapuram.	22 Feb
IIITDM Jabalpur	Assistant Professor	Jabalpur.	15 Mar
Power Grid Corporation of India Ltd	Diploma Trainee/Jr. Officer Trainee	Andhra Pradesh, Karnataka	22 Feb
Karnataka PSC	Assistant Engineer (Civil/Mechanical)	Bangalore.	27 Mar
Cement Corporation of India Ltd.	Artisan Trainee	Shimla.	25 Feb
IIIT Allahabad	Ph.D. Program	Allahabad.	28 Mar
RRCAT	Stipendiary Trainees	Indore.	29 Feb
Cochin Shipyard Limited	Asst. Engineer (Machinist)/Technical Asst. /Jr. Technical Asst./Sr. Ship Draftsman/Jr. Commercial Asst. / Welder/Fitter	Kochi.	29 Feb

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Role of HR in branding: How HR professionals are brand ambassadors

Authored by Rajeev Bhardwaj, VP-Human Resource, Sun Life Financial Asia Service Centre, India

 A corporate brand is the sum total of several ideas. It encompasses your organization’s philosophy, culture, and approach to business as well as its reputation among its customers. A brand is reflected not just by the belief system of the top management but by each and every cog in the establishment’s wheel. For people who like to see the world in boxes, Human Resource Managers are merely tools for ensuring a good flow of talent into the company, and have little bearing on the brand.

 However, a closer look at the interconnected aspects of branding will prove that Human Resource Managers are key to the organization’s branding. They not only ensure compliance with labor laws and employment ethics, but also make sure that people in the organization are in sync with the brand image and value of the establishment and also reflect it externally.

 A brand is the identity of a company in the eyes of its customers. To put it more precisely, it’s the promise that customers associate with the experience, value and quality of the services extended by the organization. If the promise is not delivered to the customers each and every time, the brand image suffers.

Richard Branson, the founder of Virgin Group, famously said that organizations should look after their employees, who in turn will automatically look after the customers and maintain the brand value. This is why the role of Human Resource Managers is important and key to the brand image. By being the vanguard of an organization’s culture, by moulding the environment of the organization, by instilling the right values in new employees and bringing them in sync with the organization’s core values and beliefs, HR professionals determine the continuity of the organization’s brand at every level. In this manner, they also act as brand ambassadors of the company they represent. More precisely, they ensure that each employee becomes a brand ambassador of the organization.

Competitive pressure in today’s business environment has catapulted the HR department from an administrative overhead to the fountainhead of innovative solutions to cultivate and nurture talent, and act as the conduit between the top management and the ground level executers. This is how the core philosophy of brand flows from top to bottom internally.

 Learning about the standards and trends prevalent in the industry is the key HR solutions provider as it helps organizations keep pace with the changing needs of time. For example, companies today are adopting employee friendly measures such as flexible timings, work from home options, paternity leaves and longer paid maternity leaves to make working more amenable and happy experience for employees. Organizations that take lead in adopting such friendly measures will automatically rank higher on employee preference and will have better retention results.

Happy employee translates into the most suitable brand ambassador of an organization as he/she act as an influencer in the industry and persuades more talented individuals to join the organization. Today, HR managers need to think like marketers and know how to market USPs of their organization to potential talent.

Their role is crucial in explaining their company’s work culture and benefits to prospective candidates. It’s also crucial in retaining experienced candidates as they seek job security. Hence, the importance of retention, particularly of quality talent is key to maintaining the organization’s brand value.

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Corporate Events - Business News This Week

There are many events are being organised around us, but we hardly do give any importance considering those belong to companies. In fact, those also help building society.  So we decided to feature corporate events of companies on our portals. CSR Policies of a company can change society. We have listed photos of the following events with captions.

1. Paras Hospitals organises Mini Marathon on World Heart Day
2. Mrs. Salma Ansari Launches Arushi Group in Saharanpur
3. ATDC inks MoU with Andhra Pradesh State Skill Development Corporation
4. Minister Thaawarchand Gehlot inaugurates ISSICON 2015
5. JD Institute celebrates World Elder’s Day
6. Metropolis Healthcare wins ‘Diagnostic Services Company of the Year’ Award
7. THE NORTHCAP UNIVERSITY celebrates freshers party
8. Mrs. Salma Ansari Launches Arushi Group

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Assistant Manager Quality Assurance-bargarh Odisha

Assistant Manager Quality Assurance-bargarh Odisha
SMVJ Group
5 - 8 yrs Bargarh Odisha

 Education-

UG: B.Sc - Chemistry, Microbiology PG:
M.Sc - Any Specialization, Chemistry, Microbiology Doctorate:
Any Doctorate -
Any Specialization, Doctorate Not Required Please refer to the Job description above Company

Profile: SMVJ Group Apply

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Naukri Job Speak Index sees 11% Increase in July’15

New Delhi, Aug 20: Naukri Job Speak Index for the month of July 2015 was at 1835, registering an 11% increase hiring activity over July 2014. While the BFSI and Telecom industries recorded the maximum increase in hiring activity, the hiring scenario in the Oil and Gas and real estate industries continues to be dismal. In continuation with the trend witnessed previous month, consulting and medical/pharma professionals continue to witness a high growth in demand in the July’15 index as well. While the hiring activity in Delhi-NCR continued to be stable, Bangalore, Pune and Hyderabad let the tally registered a Y-o-Y growth between 15% - 20% in hiring activity in July 2015 as reflected by the Naukri Job Speak Index. V Suresh, Executive Vice President and Chief Sales Officer, Naukri.com said, “Job market continues to sustain the momentum gained in the first quarter with an impressive 11% YOY growth in July. Sectors like IT, Banking and Pharma have been leading this growth for the past few months and we can expect the other sectors to pick up in the next six months or so. In my view the financial year 2015-16 will be a year to cheer for the job-seekers.” Industry Sector Analysis: Apart from the BFSI and Telecom industries, which led the pack as aforementioned IT-Software and IT-Hardware industries reported a Y-o-Y growth of 26% and 21% in hiring activity in the July’15 index The media and internet industry saw a 19% Y-o-Y growth in hiring activity Pharmaceutical and Healthcare industries too saw an increase in hiring activity to the tunes of 16% and 15% respectively in July’15 over July’14 Core sectors like Oil and Gas, Real Estate and Auto continue to witness a decline in hiring activity to the tunes of 27%, 22% and 15% respectively in July’15 over July’14 City Wise Analysis: As mentioned above, Bangalore took a lead in hiring activity in the June’15 index Pune and Mumbai witnessed a growth in hiring activity to the tune of 17% and 16% respectively in July 2015 over July 2014 Hyderabad and Chennai registered a Y-o-Y increase of 16% and 8% respectively in hiring activity in the July’15 index The hiring activity in Delhi-NCR remained stagnant according to the July’15 Index Functional Area Analysis: As has been reported above, the demand for Pharma and Consulting professionals saw the maximum increase in the July’15 index. Following that The demand for IT-Software professionals recorded a Y-o-Y increase to the tune of 23%, in the July’15 index Demand for professionals in Accounts / Finance, HR, and Banking / Insurance also recorded a Y-o-Y growth of 22%, 20% and 19% respectively in July’15 index The demand for professionals in Pharma also witnessed a Y-o-Y growth to the tune of 5% July’15 over July’14 The demand for professionals in Marketing and Advertising witnessed a 15% Y-o-Y growth in demand in July’15 index ITES and Engineering Design professionals saw a decline in demand of 3% and 6% respectively in July 2015 over July 2014

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Do you have two minutes of Maggi?

Maggi is the popular food item India, no doubt about that. Ask any layman, you will get answer a best dish to serve in just two minutes. Hardly do many of us think about the food safety standards and its limits. Thanks to media, otherwise we would have been continuing – two minutes food item - Maggi food as we have been doing for long.

At this point of time, we missed to judge it completely. Even we did not spare two minutes to think about its impact on health let alone on kids. Interestingly, there was discussion on maggi and food standard on news channel. One panelist in the programme backed maggi as safe, since she has been eating from her childhood. Now, she is adult and no health complaints at all. She got a good reply from the moderator that “thank God..Your alive”….

Ridicules, to hear such arguments in favor of a product that consists 17 times of lead, a chemical that is considered as dangerous, than permitted level. Being a media person, I do judge all the sides, without which the conclusion or view would be partial. Many of us are just ignoring food standards. Why we not to think about it before serving a dish that could be hazardous for us.

It’s not about going against one company or a group of companies, it is about our health. The big question raises that why this product is being sold in the market, and who gave the permission. Now, one-by-one states are in state to ban it from the market, which I believe could have done much before any media brining the matter into limelight.

The fourth pillar – media, once again worked as guardian of our society. The action of media is in the interest of common people and their health. And, it will be ever praised by the people of India. A two minutes story on Maggi, made all of to think about it – Two Minutes before serving it in just Two minutes.

(By P Neelakantha Achary, Editor, Business News This Week www.businessnewsthisweek.com )

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