A Monthly Bulletin for Entrepreneurs
Issue 14
COVER STORY
EMPOWERING WOMEN
IN BUSINESSES AND
WORKFORCE BE BOLD
TO CHANGE
W
OMENs empowerment has
become a topic of interest
since recent years. It is
the buzzword that pushes
for a gender equity campaign, guiding
government policies and attracting
worldwide attention.
Back in 2011, the Malaysian
government announced a target for the
corporate sector to push for women to
represent 30% of director positions by
the end of 2016. Various programmes
and measures have been initiated and
implemented by the government and
private sectors ever since such as the
Career Comeback Grants by TalentCorp
that aim to encourage employers to
recruit and retain women on career breaks,
enabling them to expand their talent pool
and provide career opportunities for
women looking to return to work.
In addition, businesses can apply
for a double tax deduction incentive
when they hire and train women who
are on career breaks and also when they
implement or enhance flexible work
arrangements and establish a childcare
centre and/or support for employees
with children. Businesses and women
could also explore platforms such as the
flexWorkLife.my, which is a collaboration
between the Ministry of Women, Family
and Community Development and
TalentCorp. It is a useful online portal
that features only employers that offer
flexible working arrangements and family
friendly facilities hence enabling job
seekers to optimise work-life integration
PP18996/04/2016(034470)
by Dr Ghaz
in their new career. Yet, as of December
2016, women accounted for only 15.2%
of director positions in the top 100 listed
companies on Bursa Malaysia (Kuala
Lumpur Stock Exchange).
According to the International
Business Report based on a global
survey done by Grant Thornton in 2016,
in Malaysia, 26% of people in the senior
management consists of women. This
is an increase from 22% last year but
this number is still the lowest among
other ASEAN countries. Globally, the
proportion of senior business roles held
by women stands at 24%, up slightly
from 22% in 2015. However, this minor
uplift has coincided with an increase in
the percentage of firms with no women
in senior management, at 33% in 2016
compared to 32% last year. In ASEAN, the
countries with the highest proportions
of leadership roles held by women are
the Philippines (39%), Thailand (37%)
and Indonesia (36%), while the lowest
proportions are reported in Malaysia
(26%) and Singapore (26%).
Malaysia, however, is not alone. It
is a global reality even in developed
countries like the United States, Canada
and Australia, where women account for
just over 20% of board positions in listed
companies and women in employment
earn 20% less than their male counterparts.
Furthermore, there persists a gender pay
gap between men and women based on
average incomes earned, according to the
Department of Statistics: 2015 Salaries
and Wages report.
Download our mobile apps at www.smebank.com.my
March - April 2017
Complimentary Copy
INSIDE THIS ISSUE
ANALYSIS:
Women Entrepreneurship in Malaysia
Page 2-3
PRODUK:
Perniagaan Kecil di Malaysia Page 4
POINT-OF-SALE:
8 Secret of Successful Entrepreneurs
Page 5
BUSINESS ALERT Page 6-7
URUS BESTARI:
Kemahiran Yang Perlu Dikuasai Page 8
HUMAN RESOURCE MANAGEMENT:
Fungsi Pengurusan Sumber Manusia
Page 9
SEMBANG USAHAWAN:
Puan Ili Zawani Dato' Ismail
Page 10-11
KNOWLEDGE SPA:
Own It - The Power of Women at Work
Page 12
ENTREPRENEURS EVENT CALENDAR
Page 12
Despite all that, the future of a
more equal representation of women
in leadership positions does look
increasingly promising in Malaysia,
especially given the ongoing progress in
strengthening the pipeline of womens
talent. Huge progress in the past few
years in increasing the number of women
in workforce and in decision-making role
in the corporate sector on the back of
several Government initiatives rolled out
to enhance the contribution of women to
Malaysias economy and promote greater
inclusiveness in the workforce. The
Malaysias Female Labour Participation
Rate (FLPR) climbed up to 54.1% in 2015
from 46.8% in 2010. While overall gender
ratio of the Malaysian labour force is
at 60:40 in terms of men:women, at the
continue on page 2
2

Adviser ANALYSIS
Datuk Mohd. Radzif Mohd. Yunus
Group Managing Director

Editor-In-Chief
Sheikh Ghazali Abod, Ph.D
Director
Entrepreneur Development Division

Editor
Norhisham Hamzah

Contributors
Raja Shahriman Raja Harun Al Rashid
Khairil Anuar Mohammad Anuar
Abd Karim Ahmad
Shahrir Amran
Hamdan Mohd Habibollah
Mohammad Husain Mohd Dawoed
Rusydan Hamedy Rusli

Design & Layout

Haja Sharoni Shah
Rafiq Asyraf
WOMEN ENTREPRENEURSHIP
IN MALAYSIA
Printed By by Rusydan Hamedy Rusli
RV Print Enterprise (001284709-A)
No.127, Jalan Sultan Abdul Samad

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Tel: +603 2273 2421
Fax: +603 2276 1124
Published By
Small Medium Enterprise
Development Bank
Malaysia Berhad (49572-H)
Menara SME Bank
Jalan Sultan Ismail
50250 Kuala Lumpur
Wilayah Persekutuan
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Fax: +603 2698 1748
Customer Service Centre:
1-800-88-3131
www.smebank.com.my
Project Management
Centre For Entrepreneur
Development And Research
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Level 6, Menara SME Bank
Jalan Sultan Ismail
50250 Kuala Lumpur
Tel: +603 2615 2063
Fax: +603 2692 5916
www.cedar.my
DISCLAIMER
The views and opinions expressed
throughout this newsletter are those of the
authors and do not necessarily reflect the
official position and views of the SME Bank.
Copyright Small Medium Enterprise
Development Bank Malaysia Berhad.
All rights reserved. This publication is not to
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SME Bank Group of Companies
B
e Bold to Change is 2017s
International Womens Day (IWD)
campaign theme which focuses
on United Nations 2030 agenda to
achieve gender equality, empowerment and
human rights of all women and to release
the true potential of women around the
world. IWD is celebrated in many countries
around the world on every March 7th.
It is the day where women are recognised
for their achievements regardless of
their backgrounds either national, ethnic,
cultural, economic or political. The
campaign theme highlights the call for
the masses to put efforts to make a more
gender-inclusive world.
The Malaysian government has played
a dominant role in investing in its countrys
growth, with the goal of becoming a
developed nation by 2020. Currently, the GDP
is comprised of 9.3% of Agriculture, 34.7%
of Manufacturing and 56% of Services. The
small and medium enterprises (SMEs) are
an important part of the economy and they
continue from page 1
executive level, it is almost 50:50 between
women and men in the workforce at least in
listed companies.
The progress in getting more women into
work has been attributed to a number of
factors including better education (women
with higher education are statistically more
likely to work), more service sector jobs (seen
to be more women-friendly than manufacturing
or construction), rise of micro enterprises
and flexible work arrangements. In terms of
university enrolment in Malaysia, women have
outnumbered men by more than 25%. The
strong pipeline of women graduates is already
beginning to reflect itself in the workforce.
ENTERPRISING WOMEN
While male and female entrepreneurs may
contributed about 36.3% to the GDP in 2015.
With women now making up an estimated
20% of the SMEs, their participation and
contribution to the countrys economic
well-being is growing by the day.
According to the Prime Minister,
Malaysia has made a significant progress in
the past few years in increasing the number
of women in workforce and in decision-
making role in the corporate sector on
the back of several Government initiatives
rolled out to enhance the contribution of
women to Malaysias economy and promote
greater inclusiveness in the workforce. The
Malaysias Female Labour Participation
Rate (FLPR) climbed up to 54.1% in 2015
from 46.8% in 2010.
While this is just under the 55% target
set for 2015, the 7.3% increase in FLPR has
resulted in an additional 750,000 women
entering the workforce. This is estimated
to have contributed an additional 0.3% to
GDP growth per annum. Prior to 2010, the
FLPR remained at around 46% for at least
face similar constraints in general, women
face specific barriers and challenges not
experienced by their male counterparts. While
women make up nearly 50% of Malaysias
population, less than 20% of the SMEs are
owned by women. Even though the number for
women entrepreneurs is small, it is nonetheless
encouraging as it shows that women no
longer buy the stereotype of businesses being
a male domain. There are several key reasons
for women to get into business. Running your
own business provides flexibility in managing
career and domestic responsibilities. Also,
it gives some degree of personal freedom
to women who are dissatisfied with fixed
employment. Job flexibility, like work hours,
office location, environment, and the people
they work with, is appealing to many women.

BizPulse | Issue 14 : March - April 2017


Malaysia Female Labor Force Participation
45.00
44.25
43.50
42.75
42.00
90 92 994 996 998 000
19 19 1 1 1 2
Source: TheGlobalEconomy.com, The World Bank
five years. Meanwhile, Malaysia is on
track to meet its 30% target of women
in decision-making role in the corporate
sector by 2016. Based on annual returns
compiled by Bursa Malaysia across all
public-listed companies (PLCs) in 2015,
women held 26.3% of top management
positions across PLCs. However, this
percentage increased to 28.4% for
women in top management positions
in the top 100 PLCs (representing a
market capitalisation of 82%). This
marks a substantial improvement from
a diversity survey of listed companies
conducted by TalentCorp and PwC in
2013 which found that women held 24%
of top management positions.
A recent study shows that Malaysia
could experience a 23% increase
in output per capita as a result of
eliminating gender bias in the labour
markets. The increase could be realized
if more women joined the labor market
or became entrepreneurs, which would
increase the pool of managerial talent
in the economy. It is important to note
that, if female labour force participation
rate is increased to 70% it would boost
Malaysias GDP by 2.9%.
The Government has introduced
a number of important initiatives to
Other reasons for women to start
a business include income security
and career satisfaction. Some women
become entrepreneurs due to some
personal circumstances, like being laid
off, divorce, or the retirement of their
spouse. They start a business to improve
or maintain their social or economic
status. Some women who do not have
any previous work skills or experience
start a business in order to prove that
they can be productive and useful. The
majority of women-owned businesses
are smaller outifts than those owned by
men, and they are mostly concentrated
in the service sector (about 90%). Many
of these businesses are likely to be
unregistered micro-enterprises operating
BizPulse | Issue 14 March - April 2017 3
Analysis
Provision of capital financing to
support the development and
expansion of womens enterprises
to support the viability and
sustainability of their enterprise.
Reviewing and revising the relevant
employment regulations such as the
Employment Act.
Welfare support for low income
households to provide financial
assistance for basic needs.
Childcare and eldercare support
02 004 006 008 010 012 014 services to help reduce the burdens
20 2 2 2 2 2 2
faced by women in meeting their care
work responsibilities.
Developing interventions which
further unleash the economic potential address gender gaps in the work
of women. These include: force through the education system.
Allocation of RM200 million to
Amanah Ikhtiar Malaysia (AIM)
to provide micro-credit financing,
benefitting mainly women Unemployment Rate by Sex and Strata, Malaysia,
entrepreneurs from the bottom 40% 2013 and 2014
of income earners;
eRezeki initiative by the Malaysia 2013 2014
Digital Economy Corporation (MDEC) ('000) (%)
to enable low income earners to 500.0 4.0
become online digital workers; 3.4
HRDF-initiated Housewife 3.1 3.1
3.2
2.9
Enhancement and Reactive Talent 400.0 3.2
3.0 3.0
Scheme (HEARTS) which provides 2.7
2.9
2.8
housewives with skillsets to return 300.0
to work; and
2.0
1AZAM programme which was
200.0
piloted in Iskandar Malaysia in 2011
and has since been expanded to other
1.0
states due to its success in raising 100.0
income levels of its participants
247.9
227.5
176.6
172.0
424.6
399.5
297.5
294.3
127.1
105.2
through various initiatives such as
0.0 0.0
Azam Niaga, Azam Khidmat, Azam
Male Female Total Urban Rural
Tani and Azam Kerja.
As the population of women rises,
government policy directions should
include:
Building the capacity of women in Rusydan Hamedy Rusli is an Associate of Business
Intelligence Section of the SME Bank's Corporate
entrepreneurship skills in order to Planning. He can be reached at rusydan.hamedy@
increase their livelihood options. smebank.com.my.
in the home or on temporary premises, of resources would help entrepreneurs
with few employees and limited capital to survive in bad times and to expand
for expansion. more effectively. The Government needs
Time constraints further limit to take a proactive role in promoting
w o me n ent repreneur s for m a l women entrepreneurs. We need to put
networking, which, in turn reduces in place gender-responsive policies and
access to skill and capacity-development capacity-building initiatives to address
opportunities. Formal networks, such as the structural, institutional and socio-
business associations, provide a wealth cultural inequalities.
of information on business opportunities,
access to government officials, grants
and support programmes, as well as
credit credentials and access to loan
packages, to name a few. Good networks
provide good access to information and
resources. First-hand information allows
Dr Sheikh Ghazali Abod is the Director of Entrepreneur
entrepreneurs to move one step ahead Development Division, SME Bank. He can be reached
and grab the opportunities. A good pool at sheikh.ghazali@smebank.com.my.
Issue 14 : March - April 2017 | BizPulse
4 BizPulse | Issue 14 : March - April 2017
PRODUK
Perniagaan Kecil di Malaysia
E
ra globalisasi meletakkan
Malaysia dengan pelbagai
cabaran untuk menjadi sebuah
negara maju. Malaysia perlu
meningkatkan sumbangan industri
kecil dan sederhana dalam memajukan
ekonomi negara tidak kira sama ada
secara sistematik mahupun intensif
bagi menggalakkan penambahbaikan
pertumbuhan dan pembangunan negara
selaras dengan wawasan 2020. Dalam
mengejar arus modenisasi, kerajaan telah
mengagaskan konsep 1Malaysia yang
berpaksikan slogan Rakyat Didahulukan,
Pencapaian Diutamakan.
Konsep ini adalah rentetan Dasar
Ekonomi Baru agar masyarakat dapat
menikmati kemakmuran secara adil
dan saksama. Menyedari hakikat ini,
sejumlah besar dana telah diperuntukan
bagi memajukan Perusahaan Kecil dan
Sederhana (PKS). Kewujudan industri ini
akan memberi faedah kepada masyarakat
Bumiputera dan mendorong untuk
menyumbang kepada negara. Kerajaan
memainkan peranan yang penting dalam
menarik minat masyarakat terutamanya
bumiputera di negara ini untuk menceburi
bidang ini. Memandangkan bidang ini
memberikan sumbangan yang besar
kepada pendapatan negara. Dalam
persekitaran luar yang mencabar,
Perusahaan Kecil dan Sederhana (PKS)
Malaysia terus berkembang dengan
kadar yang lebih pantas berbanding kadar
BizPulse | Issue 14 : March - April 2017
ekonomi keseluruhan, iaitu mencatat
pertumbuhan KDNK benar sebanyak 6%
pada tahun 2015. Trend pertumbuhan
Perusahaan Kecil dan Sederhana (PKS)
yang mampan dijangka berterusan dengan
KDNK benar diunjurkan berkembang pada
kadar 5 - 6% pada tahun 2016, berbanding
pertumbuhan KDNK keseluruhan pada
4.5 - 5%. Permintaan dalam negeri bakal
menjadi tonggak pertumbuhan mampan,
dikukuhkan lagi oleh inisiatif di bawah
program Transformasi Ekonomi dan Pelan
Induk PKS (2012 - 2020).
Strategi teras Rancangan Malaysia
Kesepuluh dan Kesebelas pula
menekankan agenda pembangunan
bumiputera sebagai satu teras utama
dalam rancangan ini. Peningkatan
penyertaan bumiputera dalam ekonomi
amat digalakkan. Kerajaan memperkukuh
keusahawanan Bumiputera bagi
mewujudkan perniagaan untuk menjadi
peneraju industri yang lebih kukuh dan
berdaya saing dalam sektor berimpak
tinggi serta mengukuhkan kemampuan
dan keupayaan usahawan dalam sektor
nilai tambah tinggi. Pertumbuhan
ini disokong oleh aktiviti ekonomi
dalam negeri yang kukuh, berikutan
peningkatan tahap pendapatan, keadaan
pasaran pekerja yang menggalakkan
dan akses kepada pembiayaan yang
berterusan. Kerajaan juga telah
menggalakkan penyertaan Bumiputera
dalam pekerjaan berpendapatan tinggi
melalui peningkatan keupayaan dan
insentif permintaan pasaran.
oleh Abd Karim Ahmad
PEMBIAYAAN PERNIAGAAN KECIL
Objektif program pembiayaan ini
adalah untuk membantu usahawan
kecil di dalam keperluan modal kerja
bagi meningkatkan kebolehpasaran
produk-produk mereka (termasuk kos
pensijilan) dan / atau meningkatkan
operasi perniagaan.
FASILITI
1. Berdasarkan konsep syariah:
pembiayaan berjangka dan berputar
2. Pembiayaan modal kerja
MANFAAT
Pembiayaan maksimum sehingga
100% termasuk yuran guaman
dan GST (sehingga maksimum
RM750,000)
Kadar pembiayaan sebanyak 7.5%
setahun (atas baki bulanan)
Tempoh pembayaran balik maksimum
sehingga 7 tahun (Terma dan syarat)
KELAYAKAN
1. Memenuhi definisi PKS.
2. Berdaftar di bawah Suruhanjaya
Syarikat Malaysia atau Akta Koperasi.
3. Syarikat telah beroperasi minima 2
tahun.
4. Minima sekurang-kurangnya 51%
pemilikan ekuiti rakyat Malaysia.
5. Syarikat adalah solven.
6. Tiada tindakan undang-undang ke
atas Syarikat dan Pengarahnya.
Abd Karim Ahmad merupakan Pengarah, Perbankan
Enterpris dan Pembangunan, SME Bank. Beliau boleh
dihubungi di abd.karim@smebank.com.my

8 SECRETS
OF SUCCESSFUL
ENTREPRENEURS
T
he most successful
entrepreneurs, from the
baker who launched
his own custom
cake business to the
bookstore manager who decided
she would be better off launching
her own coaching business, tend
to share eight common traits:
They choose entrepreneurial
pursuits that line up with long-
standing passions, interests and
skills. Entrepreneurs thrive when their
business plays off their existing skills,
talents and interests choosing a
business that leverages those is the
first step to success.
They minimize their expenses
in both their professional and
personal lives, while finding ways
to invest in their venture. Many
successful small business owners
take pains to first pay off debt, shore
up an emergency fund and otherwise
get their finances in order before
launching their venture. That way,
they can focus on building it without
additional financial stress.
They rely heavily on online
communities of similarly
minded people. Twitter, Facebook
and other social media outlets make
it easy to connect with like-minded
people. Instead of thinking of other
people in your field like competitors,
embrace them as mentors and friends.
They probably have a lot to teach you.
They actively and shamelessly
promote their brands through
social media and other grass-roots
marketing efforts. People can't buy
from you if they don't know what
you're selling. Promote yourself and
your product and service frequently.
Make sure your underlying message
helps people or makes their lives
easier, to keep your customers coming
back for more.
They master time management
strategies that enable them
to maintain full-time jobs along with
their side ventures (and the rest of
their lives). It's not easy balancing a
full-time job and a new entrepreneurial
pursuit, but it is possible. Many
entrepreneurs report waking up before
the rest of their house, or finding
slivers of time throughout their day,
or otherwise schedule their lives to
carve out at least a few hours a week
to continue building their business.
They find ways to be resilient in
the face of inevitable setbacks.
Lack of sales, bad reviews these
kinds of negative experiences are an
inevitable part of entrepreneurship.
BizPulse | Issue 14 March - April 2017 5
POINT-OF-SALE
by CEDAR Research Team
The ones who succeed find the
strength to keep going anyway.
As their businesses grow, they
support other small shops
and startups by outsourcing tasks,
which further enhances their own
businesses, and often find other ways
to give back as well. Giving back to
the community that helped you build
your business not only makes you feel
good, but it makes your customers
feel good, too, and further enhances
your brand.
They derive a deep sense
of financial security and
fulfillment from their businesses, far
beyond money. Extra money from
a new side business is helpful, of
course, but more importantly, a deep
sense of satisfaction that they get
from knowing they are creating useful
products or services that help people.
That's what keeps them going.
If you're ready to launch your own side
gig to save you from financial fear
and frustration, to make you more
secure and wealthy, and to give you
a sense of satisfaction and personal
accomplishment beyond what you get
from your main source of employment
then consider applying these eight
strategies to your own life. You'll be
building the economy of you.
-Adapted from: entrepreneur.com (USA)
Issue 14 : March - April 2017 | BizPulse
6 BizPulse | Issue 14 : March - April 2017

BUSINESS ALERT

BUSINESS ALERT by Corporate Planning , SME Bank Malaysia

OIL, GAS AND ENERGY

RECENT DEVELOPMENT
Oil prices (1st March 2017, Wednesday) Oil
dropped after government data showed that
US crude stockpiles rose to a record, offsetting
Organization of the Petroleum Exporting
Countries (OPEC) efforts to drain a global glut.
Brent for May settlement declined by USD0.15
(0.3%) to USD56.36 a barrel.
The Saudi Arabian Oil Company (Saudi Aramco)
and Petroliam Nasional Bhd (Petronas) have
signed a share purchase agreement allowing
the former to have equity participation
in Petronas' Refinery and Petrochemical
Integrated Development (RAPID) project
in Pengerang, Johor. On completion of the
transaction, both Petronas and Saudi Aramco
will hold equal ownership in selected ventures
and assets of the RAPID project within the
Pengerang Integrated Complex. Under the
partnership, Saudi Aramco will supply up to
70% of the crude feedstock requirements of
the refinery, with natural gas, power and other
utilities to be supplied by Petronas
OUTLOOK: NEUTRAL
Affin Hwang Capital Research:
Industry analysts are turning positive
on the oil and gas sector as the downside
risk to both global oil prices and share prices
has declined, reflecting a more attractive risk-
reward profile for investors. Brent oil price is
expected to trade in the USD50 per barrel
(bbl) to USD55/bbl range in 2017 and USD60/
bbl for 2018 on expectations of a faster-than-
expected drawdown in inventories following
the OPEC and non-OPEC joint effort in cutting
production levels. This may be sufficient for
oil majors to relook and raise their initial capex
plans and improve contract flows in 2017.
TA Securities: Industry analysts expect weak
demand for O&G assets to be sustained,
including fabrication yards, offshore support
vessels (OSV) and drilling rigs etc. This is on
the back of muted O&G capex spend despite
higher and less volatile crude oil price in
2017. Meanwhile, oil majors are expected to
remain holdback on investments as they wait
for a sustainable oil price rally backed by a
balanced market.

TOURISM
RECENT DEVELOPMENT
Malaysia Airports Holdings Bhd's (MAHB)
passenger traffic kicked off to a good start in
2017, with 7.83 million passengers passing
through the 39 airports it manages in the
country in January 2017, up 13.3% from
6.92 million a year ago. This was driven by
double digit growth in both international and
domestic passenger traffic, as people travel
during the Chinese New Year holiday period.
International traffic for the month saw a
14% increase to 4.05 million compared
with 3.55 million a year ago, while domestic
traffic grew by 12.5% to 3.78 million from
3.36 million.
Malaysia aims to attract 1 million visitors
from India this year on account of a slew of
initiatives, including visa fees waive-off. India
ranks as the sixth biggest source of tourists for
Malaysia, with 722,141 Indian visitors recorded
in 2015 and received 540,530 Indian tourists
between January and October last year.
OUTLOOK: POSITIVE
MAHB expects passenger traffic from
China to Malaysia to increase by 9%
this year from 5.1million passengers in 2016.
The company aggressively assisted existing
airlines to increase the frequency of their
flights into the country and was in constant
dialogue with new carriers to develop route
into airports in Malaysia. Latest development
was an increase in frequency of Cathy Pacific
to four flights with its twice daily Hong Kong-
KLIA flight starting May 2017.
Malaysia Retail Chain Association (MRCA):
Retailers are looking forward to welcome
more tourists from China which targeted to
hit three million this year from two million in
2016. The big spenders tourists forked out than 4% this year, in line with the countrys
between RM3,500 and RM4,000 each during economic expansion of 4.5%. In addition,
their stay on transportation, accommodation, with online business set to grow further, the
entertainment and shopping. Therefore, the association has set up a committee to work
industry is hoping retail sales to grow more closely with the Government on e-commerce.

WHOLESALE AND RETAIL

RECENT DEVELOPMENT
Nielsen Inc. Malaysia: Consumer spending
in Malaysia is expected to remain flat at best
for the next six months. This is based on the
Nielsen Consumer Confidence Index dipping by
five points to 84 percentage points (pp) in the
4Q2016 compared with the preceding quarter.
Globally, Malaysia ranked 37th most confident
country in the quarter under review, down
seven spots from the third quarter of 2016.
Malaysia now has one of the lowest
consumer confidence ratings in South-
East Asia, after Singapore (86 pp; -8 pp
from previous quarter); Thailand (110 pp,
+2) and Vietnam (112, +5).
The survey also reported that more
than four-fifths of the respondents
(85%) believed that the nation was in
a recessionary state (+8% from the
preceding quarter) and at least one in two
Malaysians perceived that their state of
personal finances to be either not so good
or bad in the next 12 months (52%, +5%
from previous quarter).
OUTLOOK: NEUTRAL sales, production volume and capacity
TA S e c u r i t i e s : The increase in utilisation, albeit with higher cost of
operational costs across consumer- production during the period. However, for
related companies due to weakening 1H2017, survey respondents expect local
of Ringgit and rising commodity prices, sales to wane during the period, as the local
will further dampen the profit margin for sales index fell by 12 points to 87.
the companies. Furthermore, consumer
sentiment index for 4Q2016 declined to 69.8
from 73.6 in the previous quarter, signaling
a decline in consumer confidence. As such,
analysts anticipate to stable earnings for
consumer sector for the year 2017, due to
challenging operating environment.
Federation of Malaysian Manufacturers
(FMM): The manufacturing industry is
lowering its expectations as it remains
cautiously optimistic about the first half
of 2017 due to uncertainties in local
consumption. The cautious outlook was
despite a pick up in business activity
in 2H2016. The FMM-MIER Business
Conditions Survey reported improvements
were observed for current local and export

BizPulse | Issue 14 : March - April 2017


COMMUNICATIONS CONTENT AND INFRASTRUCTURE
RECENT DEVELOPMENT
Telecommunications group Axiata Group
Bhds wholly-owned subsidiary Axiata Digital
and Huawei signed a memorandum of
understanding to jointly promote Internet of
Things (IoT) services across Asia. The IoT
collaboration between Axiata and Huawei
is expected to benefit Axiata subscribers,
leveraged through its mobile businesses as
well as portfolio of online services. Meanwhile,
Huawei would provide its cutting edge IoT
connectivity technologies and application
verticals such as connected car, smart home
and smart meters.
Property developer I-Bhd is planning to
launch IoT-ready serviced residences in i-City,
Shah Alam in June 2017. With an estimated
gross development value (GDV) of RM124
BUSINESS SERVICES
RECENT DEVELOPMENT
AirAsia Bhd expects more than 10%
growth in passenger volume this year as
it continues to expand network and fleet.
Air Asia will push for higher passenger
loads while keeping a tight lid on costs to
sustain earnings this year to mitigate the
effects from rising oil prices and volatility in
currency. The budget carrier would acquire
seven more aircraft and add the same
number of international destinations from
Kuala Lumpur during the year.
International Air Transport Association
(IATA): Global air freight markets showing
that demand, measured in freight tonne
kilometers (FTKs), rose by 6.9% in January
2017 compared to the year-earlier period
(December 2016: -9.8% YoY). However,
growth in freight capacity, measured in
available freight tonne kilometers (AFTKs),
eased to 3.5% in January 2017.
HEALTHCARE
RECENT DEVELOPMENT
Malaysia has been ranked first among
four developed countries with The Best
Healthcare in the World this year. The report
by InternationalLiving.com also accredited
Malaysia having some of the best-trained
doctors in Asia, with the large number are
trained in the US, Australia or the United
Kingdom as well as the ability of doctors
to speak English. Also commented that
hospitals in the two cities (Penang and Kuala
Lumpur) are among Southeast Asias first
recipients of the United States prestigious
Joint Commission International (JCI)
certification a benchmark for healthcare
service providers globally.
Business Monitor International (BMI):
CCM Duopharma Biotech Berhad (CCMD)
has become Malaysias leading biosimilar
producer following the success of a Phase
III clinical trial of erythropoietin (EPO) that
is used in conjunction with recombinants
to combat anemia that results from the
million, the serviced residences will sit on top
of the upcoming DoubleTree hotel by Hilton.
The serviced residence, which has a working
name of Converse @ i-City will comprise 200
fully furnished and IoT-ready units with built-
up ranging from 480 to 880 square feet.
OUTLOOK: POSITIVE
Economist Intelligence Unit (EIU):
Malaysia has one of the highest
mobile-phone penetration rates in the region,
with an estimated 152.3 subscriptions per
100 people in 2016, higher than South Korea
and the US. The high penetration rate reflects
the popularity of social media and intense
competition in the prepaid market.
Analysts expect penetration rates to
The continued positive momentum in
freight growth into 2017 coincides with
a steady rise in new export orders, which
reached their highest level in February
2017 (latest data available) since March
2011. In longer-term, the entry into force
of the Trade Facilitation Agreement (TFA)
will cut red tape at the borders for faster,
cheaper and easier trade.
OUTLOOK: NEUTRAL
TA Securities: Analysts remain
positive on the outlook for the
construction industry. On top of sizeable
outstanding order books, analysts expect the
construction companies to benefit from the
upcoming contract awards. The construction
activities are anticipated to pick up in 2017
and accelerate further in 2018 and 2019.
Overall, researchers expect the industry to
stay robust for the next 4 to 5 years.
treatment of diseases such as chronic
kidney dysfunction, cancer and more. The
trial conducted jointly with South Korean firm
PanGen Biotech, which is majority owned
by CCMD, resulted in the PDA10 EPO. The
successful breakthrough marks a pivotal step
for both PanGen and CCMD in the biosimilar
arena and expands Malaysias capabilities in
the biopharmaceutical industry.
OUTLOOK: NEUTRAL
MIDF Research: The outlook of
Malaysias medical tourism industry is
expected to be positive in the long term with
the growing demand for healthcare services,
both domestic and international, coming from
an increasingly affluent and ageing population,
due to reasonable pricing. As of 2015, the
revenue generated via medical tourism stood
at RM1.0 billion, contributed by more than
860,000 medical travelers to Malaysia. The
Malaysia Healthcare Travel Council (MHTC)
BizPulse | Issue 14 March - April 2017 7
Business Alert
rise further, to reach just under 160
subscriptions per 100 by 2021. However,
growth will slow to a modest 2.2% a year
in 2017-2021, owing to already-high levels
of penetration as well as increased use
of mobile internet services. However,
the high level of mobile penetration has
led to network congestion and outages,
despite the expansion of mobile telecoms
infrastructure. Thus, operators will
continue to invest in improving service
provision and network upgrades during the
forecast period.
RHB Research: Industry analysts expect
another challenging year for the automotive
industry in 2017. Cautious consumer
sentiment, heightened price stability, reduces
propensity for big-ticket purchases and the
rising tendency to trade down, compounded
by the prolonged weakness of the ringgit
will keep margins under pressure. At the
same time, the continued tight bank lending
requirement has also affected sales volume.
Data from the Malaysian Automotive
Association (MAA), total industry volume
(TIV) for January 2017 fell by 31.1% MoM
to 44,667 units after the end of aggressive
year-end promotions and discounts in
December 2016.
Registration of new vehicle in February
2017 is expected to remain weak on the
back of post-Chinese New Year holidays.
projected growth of 20% - 30% YoY or to
RM1.3 billion in revenue this year. In addition
to new private hospitals throughout Malaysia
providing various medical expertise and
support, the current currency condition has
also made Malaysia a more attractive medical
tourism destination as it became increasingly
affordable to seek treatments here.
TA Securities: While the subdued economic
climate may weigh on consumers sentiment
and financial apprehension, analysts predict
private healthcare players will continue
to play a vital role alongside the public
healthcare system. However, the impact of
the strengthening USD on procurement costs
for imported drugs and medical consumables
continue to weight on the earnings of the
healthcare providers. Industry analysts opine
that the pressure on margins may gradually
set in as procurements are typically made on
a contractual basis.
Issue 14 : March - April 2017 | BizPulse
8 BizPulse | Issue 14 : March - April 2017
URUS BESTARI
Kemahiran Yang Perlu Dikuasai
M
enurut Tom Hopkins seorang
bekas jurujual dan sekarang
seorang jururunding latihan
ternama di dalam bukunya
yang bertajuk "How To Master The Art Of
Selling", jika kita ingin melipat gandakan
pendapatan kita "selling" merupakan
kerjaya yang tepat. Katanya kita tidak
perlukan modal untuk kaya, modal kita
adalah diri kita: "You are your greatest
asset. Put your time, effort, and money into
training, grooming and encouraging your
greatest asset". Antara kelebihan "selling"
yang boleh dikongsi:-
KEBEBASAN UNTUK MELAHIRKAN IDEA
(FREEDOM OF EXPRESSION)
Kita dapat melahirkan apa yang kita suka
dan kita boleh buat apa yang kita hendak
buat. Tidak ada perkara yang boleh
menyuburkan kemakmuran ekonomi kita
dan negara kita kecuali "selling".
KEBEBASAN UNTUK BERJAYA (FREEDOM
TO BECOME AS SUCCESSFUL AS YOU'D
LIKE TO BE)
Kita boleh menyatakan berapa pendapatan
yang kita mahu di dalam poket kita. Kita
boleh tentukan dengan usaha kita dan
kepandaian kita untuk menjual. Sebab
itu agen-agen MLM, hartanah, insuran
dan sebagainya yang berjaya sering
mengaitkan kejayaan mereka dengan
apa yang mereka nak capai berserta
dengan usaha kerja keras dan kepandaian
melakukan permulaan dan penutupan
penjualan (beginning and closing sale).
BERANI MENGHADAPI CABARAN
HARIAN (DAILY CHALLENGE)
Bagi mereka yang sukakan cabaran
dan rasa tercabar, "selling" merupakan
satu kerjaya yang tepat. Saban hari kita
akan berhadapan dengan cabaran yang
BizPulse | Issue 14 : March - April 2017
berbeza. Berjaya menghadapi cabaran
tersebut bererti kita berjaya memenuhi
sebahagian dari rasa kepuasan yang kita
inginkan. Dan ia akan menjadikan kita
lebih berani untuk menghadapi cabaran
yang lain.
MEMBERI PULANGAN DARI PELABURAN
YANG KECIL (OFFER HIGH POTENTIAL
RETURN FROM THE LOW CAPITAL
INVESTMENT)
Orang kata jika kita pandai berkata-
kata, sebatang mancis kayu kita boleh
jual dengan harga yang begitu tinggi
sedangkan jika beli di kedai dengan harga
RM1 sahaja kita boleh dapat sekotak
mancis kayu. Di mana kebenarannya?
Pastinya dari kata-kata dan kepintaran
kita untuk menjual. Perkataan yang
tepat ialah "power of words". Hanya
bermodalkan mulut dan pengetahuan
tentang produk sahaja seseorang jurujual
boleh menjadi kaya raya.
MENJUAL ADALAH MENYERONOKKAN
(SELLING IS FUN)
Setiap hari kita bertemu dengan pelbagai
jenis manusia dan saban hari juga
terkadang kita tertawa kerana kesilapan
kita menjalankan proses jualan. Setiap
hari kita mencipta plot drama kita sendiri.
Jika kita suka dengan apa yang kita suka
buat, ia menyeronokkan. Jangan pandang
kesukarannya sebelum mencuba. Jika
ini berlaku ia sememangnya ibarat
"membunuh diri" sebelum menghadapinya.
Jika itu yang berlaku, jangan difikirkan
tentang impian yang ditulis di mana-mana
dan ia sudah pasti tidak tercapai dengan
semangat mudah mengalah kita.
KEPUASAN (SATISFYING)
Pasti kita akan merasa puas apabila
kita melihat pelanggan yang lalu di
oleh Bahagian Penyelidikan CEDAR
depan kita atau di mana-mana sahaja
yang menjinjing atau menggunakan
produk kita. Kita puas kerana itulah
usaha kita. Kita puas kerana di mana-
mana sahaja orang memperkatakan
tentang kebaikan produk kita dan
kita boleh tidur puas kerana usaha
kita berbaloi.
MENJADI JUARA (BECOME A CHAMPION)
Tanpa disedari, kehidupan kita seharian
berkait rapat dengan "selling, negotiating,
d i s c u s s i n g , p re s e n t i n g , i n f l u e n c i n g ,
anchoring, dealing, manipulating etc". Ia
merupakan satu proses yang berkait rapat
dengan ilmu urusniaga yang dijalankan
secara tidak langsung sedangkan
kewujudannya tidak disedari. Kekuatan
itu sebenarnya sudah wujud namun
tidak diasah dengan rapi. Sepatah kita
berucap atau bercakap ia merupakan
"selling". Bila kita bertukar-tukar pendapat
dengan orang lain ia bermakna kita cuba
meyakinkan bahawa kita menjual idea-
idea kita kepada orang lain.
Pesanan orang-orang yang telah berjaya
di dalam perniagaan dan kejurujualan
ini (Tom Hopkins) "You are your greatest
asset. Put your time, effort, and money
into training, grooming and encouraging
your greatest asset". Ambil masa untuk
mengasah atau mempertajamkan
kekuatan yang sudah sedia ada dengan
mengetahui rahsianya melalui TRAINING.
Sumber: Business Talks; Tom Hopkins

Fungsi Pengurusan
Sumber Manusia
S
umber manusia ditakrifkan
sebagai sekumpulan kakitangan
dan pekerja yang berkhidmat
dalam sesebuah organisasi.
Tidak mungkin sesebuah organisasi
boleh wujud tanpa sumber manusia yang
membantu atau mengendalikannya.
Walaupun perniagaan lain sekalipun
memerlukan kerjasama dari sumber
manusia dari luar atau rakan-rakan
perniagaan lain untuk wujud.
Tujuan diwujudkan pengurusan sumber
manusia adalah untuk memastikan
bahawa orang yang diambil bekerja oleh
organisasi digunakan dengan cekap
dan berkesan dan mereka berupaya
menyumbang kepada pencapaian
matlamat organisasi. Dahulu, sumber
manusia dikaitkan sebagai sebagai kos
kepada organisasi kerana perlu dibayar
gaji, diberi berbagai bentuk faedah dan
cuti, bonus dan faedah kesihatan. Kini,
mereka dikenali pula sebagai aset
kepada organisasi. Pada hakikatnya,
manusia adalah nadi utama dalam
sesebuah organisasi agar ia dapat
bergerak dengan lancar.
Anjakan paradigma inilah yang
mencetuskan betapa pentingnya untuk
sesebuah organisasi menghargai hasil
kerja yang berkualiti yang ditunjukkan
oleh kakitangan dan pekerja mereka.
Pengurusan tertinggi organisasi
juga memastikan tenaga kerja yang
menerajui organisasi mereka mampu
memanifestasikan misi, objektif
dan saranan korporat, dengan kata
lain making things happen. Oleh itu,
pengurusan sumber manusia perlu
untuk menentukan pencapaian objektif
dan matlamat organisasi.
Pengurusan sumber manusia
merupakan satu bahagian dalam
pengurusan yang mempunyai
hubungan yang rapat sesama individu.
Di samping itu juga, ia menumpukan
terhadap pencapaian dan kehendak
HUMAN RESOURCES POINT-OF-SALE
serta keperluan kepada pelanggan, di
mana ia boleh membantu organisasi
memberi kepuasan kepada keperluan
luaran pelanggan. Pengurusan sumber
manusia merupakan aspek penting
dalam strategi pembangunan sumber
manusia yang merupakan kunci
kepada kejayaan organisasi. Pekerja
merupakan harta yang penting dan
berharga berbanding sumber lain
dalam organisasi.
CABARAN SUMBER MANUSIA
Perubahan yang berlaku pada hari ini
dari segi globalisasi, teknologi dan
lain-lain menyebabkan pengurusan
sumber manusia perlu menjadi
agen perubahan. Pengurus sumber
manusia perlu membuat banyak
perkara, memperkenalkan dasar
baru, membentuk budaya kerja sihat,
membuat organisasi lebih peka kepada
persekitaran, fleksibel dan terus
bersaing di samping sentiasa memantau
persekitaran organisasi.
PERUBAHAN TEKNOLOGI
Teknologi yang serba canggih pada
masa kini membolehkan pengurus
sumber manusia menjadi lebih berkesan
di samping dapat mempercepatkan
perjalanan berbagai fungsian sumber
manusia. Di samping itu, perubahan
teknologi memerlukan pekerja yang lebih
berpengetahuan yang boleh membantu
pihak pengurusan untuk mengesan dan
menyelesaikan masalah serta membuat
keputusan tentang bidang kerja mereka.
PERUBAHAN TREND PEKERJAAN
Lebih ramai kaum wanita memasuki
pasaran kerja pada masa kini
memerlukan perubahan kepada
beberapa aspek fungsian sumber
BizPulse | Issue 14 March - April 2017 9
MANAGEMENT
oleh Shahrir Amran
manusia. Ini adalah untuk mengekalkan
tenaga kerja di kalangan wanita di
sektor pekerjaan, di samping membantu
kaum wanita yang menghadapi masalah
semasa bekerja. Antara aspek yang
ditambahbaik ialah cuti bersalin 60
hari yang diberikan kepada wanita,
wujudnya organisasi yang memberi
waktu kerja anjal untuk mengatasi
masalah penjagaan kanak-kanak ketika
ibu bekerja. Ini merupakan sebahagian
dari perubahan baru yang dinikmati oleh
pekerja wanita pada masa kini.
BURUH ASING
Terdapat ramai pekerja dari negara
luar terutamanya yang datang untuk
bekerja di Malaysia seperti pekerja dari
Indonesia, Filipina, Bangladesh dan
Myanmar. Para pekerja dari kategori ini
perlu mematuhi peraturan dan undang-
undang buruh Malaysia di samping
peraturan yang dikeluarkan khas
untuk pekerja pendatang ini. Sebagai
contoh, mereka perlu mendapat permit
pekerjaan Malaysia sebelum bekerja di
mana-mana syarikat di Malaysia. Selain
itu, mereka perlu menjalani dan lulus
ujian kesihatan terlebih dahulu.
Pengurusan sumber manusia
merupakan aspek yang perlu diberi
perhatian oleh semua pengurus
organisasi. Ini adalah kerana pekerja
merupakan elemen yang penting dan
berharga untuk mencapai keberkesanan
organisasi. Fungsi sumber manusia
seperti pampasan, perancangan
dan perekrutan sumber manusia,
pemilihan dan sosialisasi, latihan dan
perhubungan industri merupakan
aspek yang membantu mencapai
keberkesanan pengurusan sumber
manusia dalam sesebuah organisasi.
Shahrir Amran adalah Pengarah Kumpulan Modal
Insan, SME Bank Malaysia. Beliau boleh dihubungi
di shahrir.amran@smebank.com.my
Issue 14 : March - April 2017 | BizPulse
10 BizPulse | Issue 14 : March - April 2017
SEMBANG USAHAWAN
K
ecantikan dan wanita tidak
dapat dipisahkan." Ini adalah
kata-kata yang sinonim dengan
usahawan muda, Ili Zawani
Dato 'Ismail, yang telah berada
dalam industri kecantikan sejak zaman
remaja lagi. Beliau kini menerajui syarikat
kosmetik beliau sendiri, Naturalife
Solution Sdn Bhd (NSSB), iaitu pengedar
tunggal jenama kosmetik antarabangsa,
FCC (Farmasi Colour Cosmetics), di
Malaysia. Berhadapan dengan cabaran
memperkenalkan jenama kosmetik yang
asing di pasaran yang begitu sengit, Ili
terpaksa bekerja keras pada awalnya
untuk membina jenama FCC di Malaysia
dan bersaing dengan begitu banyak
jenama antarabangsa yang terkenal.
Berkat kerja keras dan sokongan
BizPulse | Issue 14 : March - April 2017
Temubual oleh Norhisham Hamzah
SEMBANG USAHAWAN bersama
Puan Ili Zawani Dato Ismail
Memasarkan produk kosmetik halal jenama Farmasi
Colour Cosmetics yang diimport dari Turki.
No. 36, Jalan Putra Mahkota 7/8E,
Seksyen 7, Putra Height, 47650 Subang Jaya,
zawani@naturalifesolution.com
pengguna, produk kosmetik FCC yang
diimport dari Istanbul, Turki, telah
berjaya menembusi pasaran tempatan
dan sekarang dijual di rangkaian
pasaraya besar seperti Parkson, AEON,
rakan niaga dan secara online melalui
ZALORA, FASHIONVALET dan Lazada.
Ili lulus dengan ijazah kepujian dalam
bidang perakaunan, ACCA (Association
of Chartered Certified Accountant) dan
ijazah Kelas Pertama dalam Aplikasi
Perakaunan. Jelas sekali wanita muda
ini bukan sahaja dianugerahkan dengan
rupa paras tetapi juga kepandaian dan
bakat serba boleh.
S: Bolehkah ceritakan secara
ringkas tentang Naturalife Solution
dan apakah yang mendorong anda
Pengarah Urusan
Nama Syarikat
Naturalife Solution Sdn Bhd
Bidang Perniagaan
Alamat Perniagaan
Selangor, Malaysia
Telefon
03 5191 2192
Email
Laman Web:
www.fccmalaysia.com
untuk memasarkan Farmasi Colour
Cosmetics?
Saya bermula dengan mengedarkan
produk kesihatan dan juga wangian
bagi kategori pasaran premium yang
dipelopori oleh pasukan sebelumnya.
Apabila saya mula menerajui NSSB,
saya membuat penilaian semula ke atas
strategi perniagaan dan pemasaran
bagi tujuan menilai permintaan pasaran
semasa di saat keadaan ekonomi yang
tidak begitu memberangsangkan.
Dari situ, saya melihat peluang di saat
ekonomi merudum lalu mengambil
keputusan untuk mengunjungi beberapa
ekspo kecantikan untuk mencari
produk kecantikan yang berkualiti
tetapi dengan harga yang berpatutan.
Semasa membuat tinjauan, saya
terjumpa beberapa jenama kosmetik
yang menarik dan memenuhi kehendak
pasaran dan salah satunya adalah FCC.
FCC mempunyai daya tarikan dan
nilai tambah tersendiri dengan status
halal, rangkaian produk yang banyak
dan harga yang cukup berpatutan. Saya
mengambil keputusan untuk melawat
kilang FCC di Istanbul, Turki bagi
menambah keyakinan dan memastikan
penghasilan produk ini betul-betul
mengikut piawaian yang ditetapkan.
Hasil pemerhatian saya di kilang FCC,
saya begitu kagum dan tertarik dengan
aspek teknologi, kecekapan, kebersihan
dan pemodenan yang digunakan untuk
 BizPulse | Issue 14 March - April 2017 11
11
Sembang Usahawan
ANALYSIS

menghasilkan produk FCC. Dari situ,

saya tidak menoleh kebelakang lagi dan
yakin bahawa produk FCC adalah pilihan
saya. Tambahan pula, ia mempunyai ciri
nilai untuk wang pengguna. Bersesuaian
dengan usaha kerajaan ketika itu untuk
menjadikan Malaysia sebagai hab
halal dunia, pengenalan jenama FCC
sebagai kosmetik halal No. 1 di Malaysia
merupakan satu peluang yang saya tidak
boleh lepaskan.

S: Apakah strategi atau konsep

perniagaan anda yang berbeza daripada
pesaing lain?
Konsep pertama perniagaan kami adalah
di dalam memberikan kemudahan
khususnya kepada wanita muslim dalam
menunaikan ibadah solat 5 waktu tanpa
was-was. Kami memperkenalkan sebuah
jenama yang tidak mengandungi bahan
yang terlarang dari segi syariat atau
dengan kata lain ,ianya halal. Peningkatan
kesedaran tentang kesucian sesebuah
produk telah membuatkan jenama FCC
diterima dengan begitu baik oleh kaum
wanita di Malaysia. Di mata mereka,
FCC membantu memudahkan aktiviti
seharian mereka.

Konsep kedua yang kami applikasikan

ialah Real Beauty Starts With You. Kami
percaya bahawa solekan bukanlah
untuk mengubah wajah atau peribadi
seseorang wanita itu, malah ia hanya
untuk membantu seseorang wanita
tampil lebih yakin (the best version of you)
dengan solekan yang ringan dan ringkas.
FCC menawarkan tekstur yang sangat
ringan dan ini tidak menampakkan wanita
tersebut seperti memakai alat solekan
dan tampil lebih semula jadi. Alat solek
FCC mudah untuk ditanggalkan sebelum
solat dan mudah juga untuk diaplikasikan
selepas solat. Ianya menjimatkan masa
dan juga selesa untuk dipakai.
Dari segi strategi pemasaran, FCC
berusaha menembusi pasaran melalui
tiga saluran. Pertama, Kaunter Runcit,
bagi mereka yang menyukai persekitaran
pusat membeli-belah dan lebih yakin
untuk mencuba tesktur produk terlebih
dahulu sebelum membeli. Kebanyakan
kaunter ini terletak di tengah-tengah
bandar. Strategi kedua ialah Rakan Niaga
di mana ianya lebih sesuai bagi pelanggan
yang sukakan layanan secara lebih dekat
dan peribadi. Rakan Niaga juga memberi
peluang kepada penggemar bidang
kecantikan untuk menjana pendapatan
sambil melakukan perkara yang mereka
minati. Ketiga adalah Rakan Online,
bagi pelanggan yang tidak mempunyai
kesempatan untuk berkunjung ke pusat
membeli-belah dan mengikuti peredaran
teknologi yang kini semuanya hanya di
hujung jari.
S: Apakah pencapaian terbesar syarikat
setakat ini dan aspirasi perniagaan
anda di masa akan datang?
Kami diberi kepercayaan oleh syarikat
antarabangsa yang besar sebagai
pengedar tunggal FCC walaupun ketika
itu umur saya dan juga syarikat masih
muda dan tiada pengalaman luas dalam
bidang kosmetik. Kepercayaan yang
diberikan semakin bertambah di mana
saban tahun FCC meminta kami untuk
membuka lebih banyak kaunter. Sehingga
kini kami telah mempunyai lebih dari 30
kaunter di seluruh Malaysia termasuk
Sabah dan Sarawak. Pada tahun 2009,
kami dianugerahkan Sole Distributor
with Outstanding Achievement. Pada
2011/2012, kami menerima Anugerah
Gadis Ikon dari Utusan Publishing ketika
menerajui syarikat NSSB Seterusnya
pada 2014, kami memperolehi anugerah
Trofi Cantik Lisa untuk produk CC cream
pilihan oleh majalah Lisa. Aspirasi NSSB
ialah untuk menjadikan jenama FCC
produk pilihan utama wanita di Malaysia.
Matlamat kami adalah untuk mencapai
penggunaan sekurang kurangnya satu
produk FCC bagi setiap wanita di Malaysia
dan melahirkan lebih ramai usahawan
berjaya dari program Rakan Niaga FCC di
mana mereka dapat menjana pendapatan
dan memperbaiki ekonomi keluarga
menerusi bidang yang diminati oleh
kebanyakan wanita ini.

Issue 14 : March - April 2017 | BizPulse

12 BizPulse | Issue 14 : March - April 2017

KNOWLEDGE SPA

OWN IT
The Power of Women at Work
Reviewed by Norhisham Hamzah

Ellevest, a just-launched digital will no longer be about contorting women

Author : Sallie Krawcheck
Hardcover : 223 pages
Publisher : Crown Business (2017)
investment platform for women. She is
also the Chair of Ellevate Network, the
global professional womans network.
And she is the Chair of the Pax Ellevate
Global Womans Index Fund, which
invests in the top-rated companies
in the world for advancing women.
Krawcheck is the past CEO of Merrill
Lynch Wealth Management, the largest
wealth management business in the
world, at $2.2 trillion in client balances.
The author talks about how women are
not quite there yet. But does that mean
that progress for women in business
has come to a screeching halt? It is true
that the old rules did not get women as
far as expected. But women can go the
distance, and can close the gaps that still
to mens expectations of how powerful
people behave. Instead, it is about
embracing and investing in their innate
strengths as women - and bringing them
proudly and unapologetically, to work.
When women do, she says, they gain the
power to advance in their careers in more
natural ways. Women gain the power to
initiate courageous conversations in the
workplace. They gain the power to forge
non-traditional career paths; to leave
companies that do not respect their
worth, and instead, go start their own.
And women gain the power to invest their
economic muscle in making their lives,
and the world, better.
Here Krawcheck draws on her experiences

A
Wall Street Journal and
Washington Post Bestseller,
Own It is a new kind of career
playbook for a new era of
feminism, offering women a
new set of rules for professional success:
one that plays to their strengths and
builds on the power they already have.
The authors (Sallie Krawcheck)
professional mission is to help women
reach their financial and professional
goals. This spans several businesses:
she is the CEO and Co-Founder of
exist. They just need a new way.
In fact, there are many reasons to be
optimistic about the future, says the
former Wall Street powerhouse-turned-
entrepreneur. That is because the
business world is changing fast driven
largely by technology - and it is changing
in ways that give women more power and
opportunities than ever and even more
than they yet realize.
Success for professional women will no
longer be about trying to compete at the
mens version of the game, she says. And it
at the highest levels of business, both as
one of the few women at the top rungs of
the biggest boys club in the world, and
as an entrepreneur, to show women how
to seize this seismic shift in power to
take their careers to the next level.
This change is real, and it is coming fast.
It is time for women to own it.
Norhisham Hamzah is a Senior Manager at the Centre
for Entrepreneur Development and Research (CEDAR),
a wholly owned subsidiary of the SME Bank Malaysia.
He can be reached at norhisyam@smebank.com.my.

ENTREPRENEURS EVENT CALENDAR

Pocket Diary for
Global Investing Made Simple Entrepreneurs: Creating Bizlah Fair: Business
15 (Kuala Lumpur session)
22 Successful Marketing 29-30 Opportunities &
April April Strategies
April Solutions Showcase

Venue: Venue: Venue:

Beyond Insights Training Center
Jalan Universiti, Petaling Jaya
Hard-working Malaysians are in a financial
conundrum... The cost of living is rising rapidly.
The Ringgit has devalued significantly. Property is
becoming unaffordable. The economy is sluggish.
Wages and salaries are not rising fast enough. Large
corporations and businesses are slashing cost by
reduction of workforce.
Is there a solution?
The solution is to start getting your money working
for you; instead of just working for money. That's
why we created this free training, to help you get your
investment foundations right... and to create a risk-
free financial plan to grow your wealth.
www.facebook.com/BeyondInsights
KPMG Tower, Petaling Jaya
You know your target audience, but they
dont know you. Growth is slow. Traffic
isnt great. What to do?
Among the topics covered are Creating
a solid marketing plan & crafting a brand
persona with right strategy; Applying a
digital mindset to your business; Diving
deep into User Acquisition; Mechanisms;
User Retention: Transforming a one time
customer/ visitors into a loyal one ; Latest
trends on user acquisition channels from
different platform; Maximising Facebook
& Instagram for your business; Strategy
to grow your customers, and to get them
to commit to your business.
www.eventbrite.com
MECC, Kuala Lumpur
BizlahFair is a business solutions
showcase focusing on startup,
micro, small and medium business.
BizlahFair targets showcase of 20
categories of business solutions
with 100 booths.
It also incorporates Startup
Funding Talk designed specifically
for its unique startup in raising
capital.
www.bizlah.com.my

BizPulse | Issue 14 : March - April 2017