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Sabtu, 31 Disember 2011

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Rabu, 7 Disember 2011

Foreigners in China squeezed by pensions, taxes and MNCs

BEIJING (AP) -- Foreign companies that are looking to China to shore up wilting global sales have been hit by higher payroll taxes, surcharges to subsidize unions and other changes that are making conditions tougher just as economic growth slows.
The biggest worry for many is an abrupt order for foreign workers and their employers to start paying up to 40 percent of their wages for pensions and other welfare. Automakers face a possible tax hike, while tax authorities are testing a system to collect dues for China's umbrella labor group from companies without union workers.
The changes come against a backdrop of critical coverage by state media of product safety and other complaints against high-profile corporations such as Wal-Mart Stores Inc. and energy giant ConocoPhillips Co. Companies also are uneasily awaiting the release of new patent and copyright rules they worry might push them to hand over technology.
The pension and medical charges took effect Oct. 15, less than six months after they were announced. Companies scrambled to come up with the money while employees wonder whether they will ever be able to collect the benefits.
The cost "may make the difference for some companies between a profitable year and an unprofitable year," said Adam Dunnett, deputy managing director of the Beijing office of consulting firm APCO Worldwide.
The changes have prompted questions about whether Beijing's attitude toward foreign companies that invested $105 billion in China last year and employ nearly 10 million Chinese workers is souring.
The communist government needs their investment and skills to develop its computer, auto, energy, telecoms and other industries but sees them as rivals to Chinese companies it wants to build into global competitors.
"China's enthusiasm for foreign companies is certainly waning," said James Zimmerman, a partner in Beijing with the law firm Sheppard Mullin Richter & Hampton who has worked in China for 14 years. "The government has become more selective in the types of investments permitted market access and more critical of those investors that are either out of favor or perceived as troublemakers."
Those hit hardest by the social charges will be consulting firms, international schools for foreign children and others with big foreign staffs that account for up to 70 percent of their costs. The impact on manufacturers should be limited because foreign employees are a small share of their workforces.
"This year we are probably going to just have to absorb it, which will probably cause us to show a loss," said Tim McDonald, headmaster of the International Academy of Beijing, which has 260 students and 45 foreign employees.
Foreign companies are on edge about patent and copyright rules due to be released soon under an anti-monopoly law enacted in 2008. A vague section of the law forbids abuse of intellectual property to hamper competition and companies worry it might be used to compel them to give know-how to Chinese rivals.
It is unclear whether the changes are related but they come at a complex time for the communist leadership both financially and politically.
Beijing needs to raise revenue to fulfill promises to improve schools and health care for China's poor majority. That comes as Communist Party factions wrangle over next year's handover of power to younger leaders — a politically tense period when looking sympathetic to foreign companies can be a liability for officials.
The changes add to pressure on foreign companies just as China's rapid economic growth slows. It eased to 9.1 percent in the three months ending in September from the previous quarter's 9.5 percent — the result of a clampdown to cool the overheated economy. Growth is expected to wane further as Europe's debt crisis and a sluggish U.S. economy erode demand for exports.
Business groups have long complained that Beijing hampers access to banking, construction and other industries in violation of free-trade principles. More recently, they say it might be trying to push foreign competitors out of promising fields such as clean energy.
Washington's ambassador to the WTO complained in a Nov. 30 speech that Beijing is retreating from free trade and increasing its role in the economy despite its pledges to allow free competition.
Chinese officials argue the charges for pensions, unemployment and health benefits will provide a safety net for foreign workers and are similar to those imposed in Europe, the U.S. or Japan. But the speed of the rollout caught companies unprepared after they already had made annual budgets.
"They are struggling to cope," said Dunnett. "Costs will go up and companies will have to make tough decisions on hiring as a result."
There were an estimated 590,000 foreign nationals living in China last year and 231,700 had work visas, according to government data. Foreign companies in China employed 9.8 million people in 2009, the last year for which figures have been reported.
The social welfare charges vary by city. In Beijing, they will cost foreign workers and their employers a total of up to 3,780 yuan ($590) a month for pensions and medical insurance. It is unclear how foreign workers can collect pension or unemployment benefits, because those who retire or lose their job usually lose the visa that allows them to stay in China.
Meanwhile, a tax change could raise costs for foreign automakers or other companies that operate several lines of business such as sales, production or financing and are required by the government to register them as separate corporate entities.
Tax authorities say they will treat money moved among those entities, such as profits from auto loans that are reinvested in manufacturing, as being taken out of China and impose a tax — a charge that would not apply to Chinese competitors.
At the same time, companies such as retailer Wal-Mart Stores Inc. and energy giant ConocoPhillips Co. face a wave of critical coverage by state media of grievances against foreign companies.
ConocoPhillips has been lambasted over leaks in June from an offshore field on China's northeast coast that released about 700 barrels of oil and 2,500 barrels of drilling lubricant. Five months later, the press still is reporting on the spill and the government's declaration that it was due to company negligence. A spill 15 times bigger from a pipeline owned by China's biggest state-owned oil company disappeared from the government-controlled press after a few days.
Wal-Mart, which has nearly 100,000 Chinese employees, was forced to close 13 stores for two weeks and two employees were detained on charges of mislabeling pork as higher-priced organic meat, a penalty industry analysts said was excessive.
The measure to collect union dues follows a multiyear campaign by China's umbrella labor group, the All-China Federation of Trade Unions, to set up unions in foreign companies.
Under a pilot project, tax bureaus in some districts of the Chinese capital have begun charging foreign companies the equivalent of 2 percent of workers' wages to pay for activities by ACFTU-affiliated unions, according to Zimmerman.
If a union is formed, the government will refund 60 percent of the dues to pay for labor activities. But if no union is formed, the tax bureau keeps the money. There is no indication whether the system will be rolled out nationwide.

MNCs keep the faith while India Inc frets
Arijit Barman / Mumbai December 5, 2011, 1:07 IST
India is indispensable for Irene Rosenfeld, the high-profile CEO of Kraft Foods. Her growth blueprint: A bigger bite of the market as a top-five snacking powerhouse. To sustain double-digit growth, she’s already pumping 70 per cent more investments in Kraft-Cadbury’s India operation.

It’s the same fizzy story for her rivals from Atlanta. With a war chest of $2 billion (Rs 10,000 crore), Coca-Cola India and its bottling partners will tap into the potential in the non-alcoholic, ready-to-drink beverage market over the next five years. That’s equal to the investments Coke has made in the past 18 years of its presence in India. “India has reached a scale where we want to see it in the top five countries,” says Ahmet C Bozer, Coke’s president, Eurasia & Africa Group.

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It’s not only companies in the global fast moving consumer goods (FMCG) sector. In automobiles or retail, engineering or even the regulated insurance sector, the traction for foreign investors seems to be rising. Take Siemens, largest engineering company in Europe, or its Swiss peer, ABB. Both have taken long-term calls on India, making it a hub for other emerging markets. Earlier this year, each shelled out Rs 5,000 crore to raise their stake in their India subsidiary.
Also, Siemens is seriously indigenising local reseach and development to develop 60 innovative, low-cost, base line products to cater to local price points. This means an additional ¤250 million (Rs 1,735 crore) investment over the next decade, with an aim to generate an incremental $1 billion (Rs 5,000 crore) revenue. “We are here for the long run. India, besides China and the US, is a focus market for us,” explains Armin Bruck, managing director, Siemens India.

“India is a strategic destination because of the tremendous investments that have to occur in the economy, for example in the infrastructure sector. There is growing domestic consumption and a very young population. Foreign MNCs see this as very long runway for growth,” observes Greg Guyett, CEO, Global Corporate Bank, JP Morgan. So, even growth in the Indian economy is coming down, it is still better than in the West.

THE CONTRAST
The gloom, doom and paralysis of policy theory doing the rounds don’t seem to be affecting these CEOs, who continue to pump their dollars into India. Between January and September this year, foreign direct investment has touched Rs 101,614 crore, up 38 per cent, compared to the same period a year before. These FDIs accounted for 7.6 per cent of total investments in India. The view from outside seems very different from the one within. Especially, the upbeat sentiments from the global managers are in stark contrast with the sense of despondency and ennui in India Inc.

There are, of course, some headline-grabbing projects on the ground — Reliance Industries’ Rs 40,000-crore capacity expansion of the Jamnagar refinery, Essar Power’s Rs 55,000-crore power portfolio of 9,500 Mw, Tata Steel’s expansion in Jamshedpur and its Kalinganagar venture (these two projects alone are a Rs 50,000-crore bet) or Hindalco’s Rs 40,000-crore expansion of Indian operations through a series of expansions and new projects — but these have been mostly work-in-progress or already-committed projects.

Fearing a demand slowdown, fresh investments by most Indian companies have almost dried up. Infrastructure projects are moving at a snail’s pace. ICICI Bank MD & CEO Chanda Kochhar says: “The current credit growth is still coming from past sanctions that are now getting disbursed. The new approval rate has gone down, as there are no projects or very few projects coming for financial closure.”

Engineering heavyweight Larsen & Toubro, which saw a 23 per cent slump in orders in the engineering and construction segment and has reduced the full-year outlook for order inflows to just five per cent, from the earlier 15 per cent, has a similar concern. “Conditions have undergone a sea change. There has been a slowing of investment and projects are getting reviewed,” says chief financial officer R Shankar Raman.

Some in India Inc say while the pessimism is real, it is unfair to compare MNC investments in India with that of corporate India.

“One needs to differentiate the complexities of setting up mega projects that are land, capital and labour-intensive, requiring outlays in thousands of crores, with the smaller-sized investments that have less interdependencies,” says Koushik Chatterjee, group CFO, Tata Steel.

In simpler terms, even today it is far easier to set up an FMCG plant or an ancillary industry where one doesn't need a large land bank or natural resources or even a large workforce. “Today, the challenge is for regulated sectors, where environmental clearances and land acquisitions are becoming a serious threat. One may argue that the vindictiveness seems ore towards India Inc, but it affects even the global players. What is happening to Posco’s plan or that of ArcelorMittal in India? They were to bring billions of dollars of investments, but they have not been able to move ahead even after so long,” says a corporate strategy head of one of India’s leading business house, on condition of anonymity.

For Tata Steel, MoUs signed in 2004 with the Orissa government are only now coming to fruition. Delays in government approvals areestimated to have held up Rs 150,000 crore of projects and investments affecting JSW, the Aditya Birla Group, HCC, Vedanta, Essar and other leading companies. More than currency volatility, the courts and the government have wreaked havoc on the business plans of many of these corporate poster boys. “Unless there is more certainty in the process, serious capital flow would be hard to come by, as corporations would find alternate deployment of expensive capital," Chatterjee adds.

The environment is precipitating efforts of Indian entrepreneurs to geographically derisk, but Raj Balakrishnan, MD, M&A, investment banking, DSP Merrill Lynch, adds another dimension. He sees India Inc’s globalisation drive as a normal process of corporate evolution. "Compared to many of their Korean or European counterparts, large Indian conglomerates are still extraordinarily exposed to India. For most global corporations, only a small part of their total sales comes from their native countries. Why should our conglomerates be an exception? Prudent boards, therefore, need to diversify geographically," he adds.

Logically, then, the MNC investments here should also be seen through a similar prism. “For these global corporations, their India operations are a relatively small part of their overall portfolio. So, for all those who believe in India’s long term potential, it’s important to continue to invest prudently through the cycle,” feels Alok Eknath Kshirsagar, director and head of Mckinsey Asia Centre.

Balakrishnan has a final word of caution. While advising clients for big-ticket mergers and acquisitions, he says, compared to a year ago, even foreign companies are getting cautious about India. “Most MNCs are moving away from the extreme positions and now there is an appropriate balance between euphoria and sckepticism. Old fashioned metrics like generating RoIs, or EVs are getting more important now to build a business case around India.”

Study about Globalization in International Business


In the continents map, one can find that the continental landmasses are concentrated more in the Northern Hemisphere than in the Southern Hemisphere in terms of area. The world continents map not only focus on the land area of the continents, these also provide some vital information on their features such as geographic, topographic, and demographic features, area, weather and many more.

Division of Continents As you go through a world continent map, you can find some interesting facts and statistics. In terms of area, Asia leads the list of continents, followed by Africa, North America, South America, Antarctica, Europe and Australia. Though the ideal criterion of a continent is to be a discrete landmass, however, in many cases they are disregarded in favor of some historical conventions. While going through the continent map of world, one can find that many continents are often defined as "more or less discrete masses of land". It is the Isthmus of Suez that joins the continents of Asia and Africa, whereas Isthmus of Panama joins North and South America. Comparing to the area of landmasses that these isthmuses join, both of those are quite narrow.
On the other hand, one won't find any sea that separates Asia and Europe. That is why an alternative view of 'Eurasia' comes out, which is considered by many as a single continent and hence giving birth to a six-continent view of the world. However, this view, mostly held by some geographers, is only popular in Russia, some East European countries and Japan.

The continents of North America and South America are currently considered as separate continents, though in earlier times, those were viewed as single continents and were known collectively as America.

However another theory relating to division of continents came as 'four-continent model'. In this model, continents are defined as discrete landmasses. According to the theory Asia, Europe and Africa form a single continent namely 'Afro-Eurasia' and hence, the total number of becomes 4 consisting of Afro-Eurasia, America, Antarctica and Australia.

Following given are various theories relating to continents. Here, it can be remembered that the 7-continent Model is the most popular and well-accepted across the world.


Continent Models
7 Continents North America South America Antarctica Africa Europe Asia Australia
6 Continents North America South America Antarctica Africa Eurasia Australia
6 Continents America Antarctica Africa Europe Asia Australia
5 Continents America Antarctica Africa Eurasia Australia
4 Continents America Antarctica Afro-Eurasia Australia

Following are the essential statistics that showcase the area, information and the density of people in different continents:
Continent Area (km²) Approx. population 2008 Density People (per km²)
Asia 43,820,000 3,879,000,000 86.70
Africa 30,370,000 922,011,000 29.30
North America 24,490,000 528,720,588 21.0
South America 17,840,000 382,000,000 20.8
Antarctica 13,720,000 1,000 0.00007
Europe 10,180,000 731,000,000 69.7
Australia 9,008,500 32,000,000 3.6

The Variations of Continents
Besides the traditionally known continents, one may also come across with some other divisions relating to continents like Super-continents and Subcontinents.

Super-continents
The term 'Super-continent' is used to describe the landmasses with more than one craton or continental core. The examples are Columbia, Gondwana, Kenorland, Laurasia, Pangaea, and Rodinia. Eurasia is a contemporary example of super-continent.

Subcontinents
Some parts of a continent may fall on different tectonic plates to the rest. These are known as subcontinents. Indian subcontinent and the Arabian Peninsula are some of the distinguished examples.

Submerged Continents
Submerged continents are some of the areas of continental crust, which are mostly covered by the sea. Notable example is the Zealandia, which comes out from the sea in New Caledonia and New Zealand.

Micro-continents
There are a number of islands located on the sections of continental crust, which have drifted apart from the main landmass. These are too small to call as continents. These are referred to as micro-continents. Madagascar is the largest example of micro-continent.
Asia The first thing that you would notice on a world continent map is the Asia. It is the largest and most populous continent in the world. Situated in the eastern and northern hemispheres, Asia has an overall area of 44,579,000 sq. km. (that constitute 8.6% of the total surface area of the earth) and a population of almost 4 billion people (60% of the human population of the world).

Asia is the continent of diversity. On one hand, it is the home to some of the richest and most developed economies in the world like Japan and Korea, but at the same time, it is also the home to some of the poorest countries in the world. The continent has the highest point on earth in the form of Mount Everest in the Himalayas. On the other hand, Asia is also the home to the lowest place on land in the form of the Dead Sea. The continent also has the widest varieties of plant and animal lives.

Following are some useful information on Asia:
Area 44,579,000 km²
Population 3,879,000,000
Pop. density 89/km2 (226/sq mi)
Countries 47
Time Zones UTC+2 to UTC+12

The Location
Asia is located to the east of the Ural Mountains and the Suez Canal, and south of the Caspian and Black seas and the Caucasus Mountains. On its east, there is Pacific Ocean, while the India Ocean lies to its south. The Arctic Ocean lies to the north of the continent, while on its west, there is Europe and the Mediterranean.

Geographical Region Asia is divided into the following geographical region:

Central Asia
Iranian Plateau
East Asia
Far East
North Asia
South Asia (Indian Subcontinent)
Southeast Asia
Southwest Asia
The Climate
Due to its vast size, Asia sees a diverse variety of climates. The Asian climate is hugely influenced by the winds called monsoons, which flow regularly in the same direction during certain seasons. It flows from the north to east during winter, which causes cold and dry weather. During summer, the wind flows from the seas in the south to the southeast. The weather remains hot during this time. April to October is the time for rain in this continent. The eastern part of the continent experiences the heaviest rainfall. The amount of rainfall decreases as one goes away from the sea.

Africa
The second largest continent that you would find in a world continent map is the Africa. It is also the second most populous continent in the world after Asia. The continent is bordered by the Red Sea and the Suez Canal to the northeast, Mediterranean Sea to the north, the Atlantic Ocean to the west and the Indian Ocean to the southeast. Africa has 53 countries excluding the disputed territory in the Western Sahara. It also has a number of island groups.

Often described by the outsiders as the 'Dark Continent' or the 'Cradle of Mankind', Africa is immensely rich in mineral and natural resources. It is also the continent that boasts of rich variety of wildlife and biological resources, the preservation of which continues to be a challenge for conservationists from across the world. The continent is also the home to some of the poorest people on the planet. Many of the constituent countries in this continent are still undergoing the process of nation building to achieve integration with the rest of the world.

Following are some of the useful information about Africa:
Area 30,221,532 km²
Population 1,000,010,000
Pop. density 30.51/km2 (about 80/sq mi)
Countries 53
Time Zones UTC-1 to UTC+4

The Climate
The climate of Africa is dominated by a warm and hot weather conditions. However, the humidity and rainfall dramatically vary in different places across the continent. As the equator runs through the middle of the continent, the temperatures remain on the higher side throughout the year. There are very little variations in temperature between summer and winter. However, the cooler regions of the continent can be described as the northwestern part, the highland areas of the east, and some parts of the south.

Though the forests of the Congo Basin as well as the coastal regions in the western part of the continent sees rainfalls throughout the year, but the rest of the continent experience one or two seasons of heavy rainfall separated by dry spells.
North America North America is located in the northern and western hemisphere of the earth. Surrounded by the North Atlantic Ocean on the east, the Arctic Ocean on the north, the North Pacific Ocean on the west, and the Caribbean Sea and the South America on the southeast, North America is the third largest continent after Asia and Africa with an overall area of about 24,709,000 sq. km. It also has a population of nearly 529 million people. You would find the shape of the northernmost part of this continent elongated. In fact Greenland appears much bigger in size than it is in the world continent map. Earth being a sphere, if we try to project it on a plane some distortion happens at the edges.

The majority of the areas of the North American continent are occupied by two of the world's most developed countries - the U.S. and Canada. This continent also has very rich mineral and other natural resources. Besides these, the various National Parks of this continent offers some of the most spectacular panoramas in the world.

Following are some of the useful information on North America:
Area 24,709,000 km²
Population 528,720,588 (July 2008 est.)
Pop. density 22.9/km2 (59.3/sq mi)
Countries 23
Time Zones UTC-10 to UTC

The Climate
North America is the only continent in this world that has every kind of climate starting from dry to bitter cold of the Arctic to the steamy heat of the tropics. The continent also has some usual kind of climates, which cannot be found in other parts of the world. The interior of the Greenland remains covered by the ice and the temperature hardly rises above freezing. The treeless plain of the far north - the North American tundra only sees temperature rising above freezing during the summer only for a short duration. The rest of the continent remain cold during the winter and warn in the summer. Some parts of the continent may have mild winters and long hot summers. Other parts see short summers and harsh winters.
South America The fourth-largest continent in the world, South America is located in the Western Hemisphere and in the Southern Hemisphere. A small part of the continent is also located in the Northern Hemisphere. South America is surrounded by the Atlantic Ocean on the east and north, the Caribbean Sean and North America on the northwest and the Pacific Ocean on the west. With an area of 17,840,000 sq. km, South America constitutes almost 3.5% of the Earth's surface. It is also the fifth most populous continent in the world after Asia, Africa, Europe, and North America with an estimated population of more than 371,090,000.

Often referred to as Latin America, South America has the greatest north-south extension. The high mountains and the highland areas extend up to different elevation levels, which together contribute to its diverse climate.

Following are some of the useful information on South America:
Area 17,840,000 km2 (6,890,000 sq mi)
Population 385,742,554
Pop. density 21.4 per km2 (55.4 per sq mi)
Countries 13
Time Zones UTC-2 to UTC-5

The Climate
The most parts of South America experience warm weather throughout the year. However, the climate of the continent varies a lot from places to places. The wide variety of climates in South America ranges from dry desert condition in the northern part of Chile to the heavy rain areas in the southwester coast of the continent. The tropical rain forest of the Amazon basin experiences steamy heat. On the other hand, cold air dominates the snow-capped Andean peaks.
Antarctica It is the southernmost continent in the world. Located in the Antarctic region in the southern hemisphere, underlying the South Pole, Antarctica is surrounded by the Southern Ocean. Almost 98 percent of the continent is covered by ice with an average thickness of at least 1.6 km. It is also the coldest, windiest, and the driest continent in the Earth. On the world continent map, this continent is mostly shown in a distorted form as it is difficult to project its shape when we are plotting other continents in the same map. You can see the correct shape of this continent in Antarctica Map.

Antarctica is the only continent in the world where no permanent human residents can be found. Only cold-adapted floras and faunas can survive there. Penguins, Seals, Tundra Vegetation and several types of Algae can be found.

Following are some useful information on Antarctica:
Area (Overall) 14,000,000 km2 (5,405,428 sq mi)
(ice-free) 280,000 km2 (100,000 sq mi)
(ice-covered) 13,720,000 km2 (5,300,000 sq mi)

Europe Europe is the second smallest continent in the world in terms of surface area with an area of 10,180,000 sq. km. However it is the third most populous continent with an estimated population of around 731,000,000. The continent is surrounded by the Black Sea and the connected waterways to the southeast, the Arctic Ocean and the various other water bodies to the north, the Atlantic Ocean to the west, and the Mediterranean Sea to the south. Europe is separated from Asia in the east by the Ural River, the Caspian Sea and the Caucasus Mountains, besides the Black Sea to the southeast.

Despite its internal diversities of culture, language, customs, etc., Europe has come to represent a unique civilization and ethical values which had a tremendous influence on the rest of the world at different epochs of history. It is also the home to some of the most panoramic landscapes in the world.

Following are some useful information on Europe:
Area 10,180,000 km2 (3,930,000 sq mi)
Population 731,000,000
Pop. density 70/km2 (181/sq mi)
Countries 50
Time Zones UTC to UTC+5

The Climate
Most of the Europe sees mild weather caused by the winds from the Atlantic Ocean. However, there are some certain variations in the climate of Europe. The northern part of Europe sees long and colder winter and short and cooler summers than the other parts of the continent. The eastern part sees longer and colder winters and shorter and hotter summers than the west.
Australia It is the smallest continents in the world. According to one theory, the continent Australia only includes the Australian mainland, not the nearby islands like New Guinea or Tasmania. However, another theory says, those islands have to be included into the continent as they share the same geological landmass. New Zealand is not considered as a part of the continent of Australia. It is rather a part of Zealandia - a submerged continent. The continent of Australia, along with Zealandia constitutes a region called Oceania or Australasia.

Following are some useful information on Australia:
Area 8,468,300 km2
Population 31,260,000 (estimated)
Pop. density 3.7/km2
Countries Australia, Papua New Guinea, and portions of Indonesia
Time Zones GMT+10, GMT+9.30, GMT+8

The Climate Being located in the tropics, the northern third of Australia sees a warm and hot climate throughout the year. The rest are located in the south of the tropic and hence experience mild or cool winters and warm summers.

You can learn about various continents in the world and their characteristics by going through various world continent maps provided by Mapsofworld.com. Mapsofworld.com also offers a wide variety of world maps, which will help you to know this world and its continents better.

North American Free Trade Agreement (NAFTA):
The NAFTA Secretariat is a unique organization established pursuant to Article 2002 of the North American Free Trade Agreement (NAFTA). It administers the mechanisms specified under the NAFTA to resolve trade disputes between national industries and/or governments in a timely and impartial manner.
A similar administrative body, the Binational Secretariat, existed under the Canada - United States Free Trade Agreement to administer the dispute settlement provisions of that Agreement. It consisted of two offices, known as national sections, one in Ottawa and one in Washington, D.C.
Under the NAFTA, pursuant to the Parties' (NAFTA governments') obligation to establish, permanent, national Section offices in each country, Canada and the United States simply renamed their existing national Sections to the NAFTA Secretariat, Canadian Section and the United States Section, respectively, and Mexico established its own national Section.
The NAFTA Secretariat is comprised of:
the Canadian Section located in Ottawa;
the Mexican Section located in Mexico City; and
the United States Section located in Washington, D.C.
The national sections, which are "mirror-images" of each other, are each headed by a Secretary appointed by their respective government. The Parties are responsible for the costs of operating their national section of the Secretariat.On January 1, 1994, the North American Free Trade Agreement between the United States, Canada, and Mexico (NAFTA) entered into force.
All remaining duties and quantitative restrictions were eliminated, as scheduled, on January 1, 2008.
NAFTA created the world's largest free trade area, which now links 450 million people producing $17 trillion worth of goods and services.
Trade between the United States and its NAFTA partners has soared since the agreement entered into force.
U.S. goods and services trade with NAFTA totaled $1.6 trillion in 2009 (latest data available for goods and services trade combined). Exports totaled $397 billion. Imports totaled $438 billion. The U.S. goods and services trade deficit with NAFTA was $41 billion in 2009.
The United States has $918 billion in total (two ways) goods trade with NAFTA countries (Canada and Mexico) during 2010. Goods exports totaled $412 billion; Goods imports totaled $506 billion. The U.S. goods trade deficit with NAFTA was $95 billion in 2010.
Trade in services with NAFTA (exports and imports) totaled $99 billion in 2009 (latest data available for services trade). Services exports were $63.8 billion. Services imports were $35.5 billion. The U.S. services trade surplus with NAFTA was $28.3 billion in 2009.
Exports
The NAFTA countries (Canada and Mexico), were the top two purchasers of U.S. exports in 2010. (Canada $248.2 billion and Mexico $163.3 billion).
U.S. goods exports to NAFTA in 2010 were $411.5 billion, up 23.4% ($78 billion) from 2009, and 149% from 1994 (the year prior to Uruguay Round) and up 190% from 1993 (the year prior to NAFTA). U.S. exports to NAFTA accounted for 32.2% of overall U.S. exports in 2010.
The top export categories (2-digit HS) in 2010 were: Machinery ($63.3 billion), Vehicles (parts) ($56.7 billion), Electrical Machinery ($56.2 billion), Mineral Fuel and Oil ($26.7 billion), and Plastic ($22.6 billion).
U.S. exports of agricultural products to NAFTA countries totaled $31.4 billion in 2010. Leading categories include: red meats, fresh/chilled/frozen ($2.7 billion), coarse grains ($2.2 million), fresh fruit ($1.9 billion), snack foods (excluding nuts) ($1.8 billion), and fresh vegetables ($1.7 billion).
U.S. exports of private commercial services* (i.e., excluding military and government) to NAFTA were $63.8 billion in 2009 (latest data available), down 7% ($4.6 billion) from 2008, but up 125% since 1994.
Imports
The NAFTA countries were the second and third largest suppliers of goods imports to the United States in 2010. (Canada $276.5 billon, and Mexico $229.7 billion).
U.S. goods imports from NAFTA totaled $506.1 billion in 2010, up 25.6% ($103 billion), from 2009, and up 184% from 1994, and up 235% from 1993. U.S. imports from NAFTA accounted for 26.5% of overall U.S. imports in 2010.
The five largest categories in 2010 were Mineral Fuel and Oil (crude oil) ($116.2 billion), Vehicles ($86.3 billion), Electrical Machinery ($61.8 billion), Machinery ($51.2 billion), and Precious Stones (gold) ($13.9).
U.S. imports of agricultural products from NAFTA countries totaled $29.8 billion in 2010. Leading categories include: fresh vegetables ($4.6 billion), snack foods, (including chocolate) ($4.0 billion), fresh fruit (excluding bananas) ($2.4 billion), live animals ($2.0 billion), and red meats, fresh/chilled/frozen ($2.0 billion).
U.S. imports of private commercial services* (i.e., excluding military and government) were $35.5 billion in 2009 (latest data available), down 11.2% ($4.5 billion) from 2008, but up 100% since 1994.
Trade Balances
The U.S. goods trade deficit with NAFTA was $94.6 billion in 2010, a 36.4% increase ($25 billion) over 2009. The U.S. goods trade deficit with NAFTA accounted for 26.8% of the overall U.S. goods trade deficit in 2010.
The United States had a services trade surplus of $28.3 billion with NAFTA countries in 2009 (latest data available).
Investment
U.S. foreign direct investment (FDI) in NAFTA Countries (stock) was $357.7 billion in 2009 (latest data available), up 8.8% from 2008.
U.S. direct investment in NAFTA Countries is in nonbank holding companies, and in the manufacturing, finance/insurance, and mining sectors.
NAFTA Countries FDI in the United States (stock) was $237.2 billion in 2009 (latest data available), up 16.5% from 2008.
NAFTA countries direct investment in the U.S. is in the manufacturing, finance/insurance, and banking sectors.

NOTE: Refers to private services trade not including military sales, direct defense expenditures, and other miscellaneous U.S. government services.

Euro Countries......
Today, the euro is one of the world's most powerful currencies, used by more than 320 million Europeans in twenty-three countries. The countries currently using the euro are:
1) Andorra
2) Austria
3) Belgium
4) Cyprus
5) Estonia
6) Finland
7) France
8) Germany
9) Greece
10) Ireland
11) Italy
12) Kosovo
13) Luxembourg
14) Malta
15) Monaco
16) Montenegro
17) Netherlands
18) Portugal
19) San Marino
20) Slovakia
21) Slovenia
22) Spain
23) Vatican City

The Four Tigers:
1) South Korea
2) Taiwan
3) Singapore
4) Hong Kong

The Triad:
1) US
2) Euro
3) Japan

The Quad:
1) US
2) Euro
3) Japan
4) Canada

Ahad, 20 November 2011

Malaysia’s economy likely to slow despite earlier boom

KUALA LUMPUR, Nov 18 — Malaysia should brace for a protracted economic slump despite the expected announcement today that its economy has grown by up to 4.8 per cent in the past three months, analysts have warned, as the mushrooming debt cloud from the US and Europe spreads eastwards.
As the country heads into the last six weeks of the year, Bloomberg News reported today that most Asian currencies have been falling in the past three months on concern the nations that led the recovery from the 2009 global recession will falter.
“It’s part of monetary easing if they let their currencies weaken,” the business news agency reported United Overseas Bank economist Ho Woei Chen as saying.
The ringgit has fallen more than five per cent in the past three months while the Thai baht has weakened 3.3 per cent but neither countries have cut their rates even as Indonesia and Australia lowered borrowing costs in this last quarter.
“Probably they are not cutting interest rates that aggressively but letting their currency depreciate,” Ho said, adding he expects Malaysia and Thailand to highlight the risks to growth going forward.
Citing United Overseas Bank Ltd, Bloomberg reported that policymakers throughout the region may allow more weakening to support non-oil exports to Europe and the US, which have been crashing across the board in Singapore.
The republic’s main electronics sector has been battered and dropped by 31 per cent last month compared to the same period last year due to poor demand for disk drives and integrated circuits which plunged more than 50 per cent.
Analysts observed that Malaysia’s growth spurt in the last quarter was due to its strong domestic demand and export before the sovereign debt-crisis deepened in Europe.
Investment experienced a sprint in Southeast Asia’s third- largest economy since the Najib administration last year identified US$444 billion (RM1.37 trillion) worth of private sector-led projects to spur growth, Bloomberg reported.
International Business Machines Corp (IBM), Toshiba Corp and Agilent Technologies Inc are among the companies that have pledged new investments here.
Exports grew at the fastest pace in more than a year in September as companies shipped abroad more electronics and commodities.
But the analysts also warned that the growth could be stunted if the external sectors spilled over into the domestic economy.
“Supply chain disruptions stemming from Thai floods may depress industrial production in the short run,” reported Bloomberg, quoting Daniel Wilson, an analyst at Australia & New Zealand Banking

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Sembang Hari ini

Antara topik yg menarik hari ini..
Firstly mesti la pasal Bola, Tahniah buat Harimau muda yg mengalahkan Myanmar semalam....
Topic 1: Poker Internat....
JUDI termasuk dalam perbuatan haram dalam Islam (al-Quran, al-Ma’idah (5): 90-91). Ia perlu dijauhi sama ada kecil atau besar. Bagi lebih memahami maksud judi itu, ia secara umum membabitkan dua perkara berikut, iaitu (1) sumber hadiah berasal daripada apa-apa benda termasuk duit sebagai deposit atau taruhan daripada semua peserta, dan (2) semua peserta perlu mengambil risiko sama ada menang atau kalah di dalamnya (Ashraf Md Hashim 2003).

Sekiranya permainan poker di atas tidak membabitkan perkara di atas, ia bukan judi yang ditakrifkan haram dalam Islam. Bagaimanapun, permainan sedemikian dikira membazir waktu dan wajar dijauhi.

Justeru hukumnya berbeza-beza. Ada berpendapat permainan sedemikian hanya makruh, harus atau haram berdasarkan keada­an tertentu.

Ada menyatakan ia haram kerana melakukan aktiviti tidak berfaedah dan untuk keseronokan semata-mata. Lebih bermanfaat mencegah diri daripada permainan berkenaan.

Topic2: Haram cetak rompak jadi modal perniagaan........
SEHINGGA hari ini, boleh dikatakan masih ramai tertanya-tanya atau ragu dengan isu bahan ciplak atau nama lainnya barangan cetak rompak yang kini semakin banyak disalin secara tidak sah.

Walaupun ada halaman buku yang ingin disalin cetak tertulis perkataan ‘Hakcipta Terpelihara’ serta ‘Tidak Dibenar Ulang Cetak’, masih ramai tidak mengendahkannya dan terus membuat salinan, khususnya membabitkan salinan fotostat.
Kita lihat hari ini, perkara ini terlalu biasa dalam kehidupan seharian umat Islam. Sehingga ada yang menjadikan cara ini sebagai modal perniagaan mereka.

Terutama pada musim harga minyak dan barangan semakin meningkat, semua perkara yang dikira mampu menjimatkan kos akan menjadi pilihan ramai hingga kerap melupakan pandangan Islam atau hukumnya. Bagaimanakah sebenarnya pendirian Islam dalam hal ini? Adakah terus mengharamkannya tanpa bicara?


Sampai kepada saya satu soalan seperti berikut: “Ustaz, saya menjalankan perniagaan fotokopi dan percetakan komputer secara kecil-kecilan di sebuah universiti awam. Masalahnya, saya menggunakan perisian Windows dan Microsoft Office yang cetak rompak. Saya tahu tindakan saya salah, tetapi harga tulen terlalu mahal.

“Saya harap dapat ustaz jelaskan hukum pendapatan daripada perniagaan yang menggunakan perisian cetak rompak dan harap dapat ustaz berikan jalan untuk saya selesaikan masalah ini.”

Saya rasa jawapannya sudah jelas apabila orang yang bertanya itu sendiri mengerti bahawa ia salah. Ini kerana, harta intelek diiktiraf Islam sebagaimana difatwakan ulama sedunia sebagai harta persendirian yang terpelihara.

Justeru, kita tidak boleh mengambil dan menggunakan produk cetak rompak, khususnya apabila perisian itu digunakan untuk diniagakan, sebagai contoh dibuat salinan demi salinan dan dijual pada harga rendah.

Ini bermakna apabila seseorang menjadikan barang tiruan sebagai tulang belakang perniagaannya, perniagaan itu adalah haram, hasilnya juga haram.

Ia sangat jelas berdasarkan hadis Rasulullah SAW yang melarang umat Islam menjalankan perniagaan sesuatu yang haram kerana hasilnya juga menjadi haram, iaitu yang bermaksud: “Sesungguhnya Allah, apabila mengharamkan sesuatu, maka akan haram jugalah harga jualan (keuntungan yang terhasil daripada yang haram).” (Ar-Rawdu Al-Murabba’, Riwayat Ibn Hibban)

Rasulullah SAW juga pernah mencela orang Yahudi yang apabila diharamkan memakan daging babi dan lain yang haram bagi umat Islam, mereka (Yahudi) membuat helah dengan mengambil lemaknya dan dihiaskan lalu dijualnya.

Apabila Rasulullah SAW mendapat tahu, baginda terus berkata: “Allah akan menghancurkan Yahudi yang mana mereka ini, apabila Allah mengharamkan makan lemak (babi, bangkai dan lain-lain yang diharamkan), mereka membuat helah dengan menjualnya serta menikmati hasil jualannya.” (Riwayat Al-Bukhari)
Hasil daripada kumpulan hadis ini, bentuk tindakan dilakukan yang ingin saya tekankan adalah, ia sama seperti cetak rompak kerana haram daripada sudut hukum Islam.

Ia berdasarkan keputusan Majlis Kesatuan Ulama Sedunia (Majma Fiqh Islami) dan juga keputusan Majlis Fatwa Eropah yang disebut oleh Syeikh Dr Yusof al-Qaradawi.

Mungkin ada yang berhujah bahawa perisian Windows itu adalah milik seorang kafir yang merujuk kepada Bill Gates dan tiada masalah untuk menggunakan yang cetak rompak selain ada juga yang menyatakan beliau terlalu kaya, oleh itu penggunaan bahan berkenaan tidak memberi apa juga kesan pada kekayaannya.

Sebenarnya, hujah ini meleset dan tertolak dalam fiqh Islam kerana Muslim tidak dibenarkan mencuri harta orang kafir (kecuali kafir yang berperang dengan Islam seperti tentera Amerika di Iraq).

Dalam keadaan tiada peperangan fizikal yang jelas, perisian Windows harta syarikat Microsoft dan pemilikan itu diiktiraf oleh syariah dan diharamkan untuk sesiapa saja dicerobohi sesuka hati.

Dalilnya terlalu banyak, iaitu paling mudah apabila Rasulullah SAW dan sahabat berjual beli dengan orang bukan Islam, Yahudi serta kafir Musyrik. Semua itu menunjukkan umat Islam tidak dibenarkan mencerobohi dan mesti membelinya dengan cara halal.

Namun begitu, menurut sebahagian ulama, jika pelajar ingin menggunakan perisian untuk komputer peribadinya dan bukan untuk perniagaan, hukum mungkin lebih ringan, terutama jika pelajar ini benar-benar ketandusan wang untuk mendapatkan yang tulen.

Sedangkan dia memerlukan komputer dan sesuatu perisian khas untuk tujuan pembelajarannya, tatkala itu, ada ulama mengharuskan atas asas:


‘Hajat Mendesak’ dan kedudukan kewangan bermasalah. Berdasarkan kaedah Fiqh: Ertinya: “Suatu keperluan yang boleh jatuh dalam kategori terdesak, sama ada ia berbentuk umum atau khusus.” (Al-Ashbah Wa An-Nazair)

Hanya untuk kegunaan peribadi dan bukan untuk tujuan komersial

Bertempoh. Ertinya apabila kedudukan kewangannya sudah baik, dia perlu membeli yang tulen

Demikian juga halnya keadaan pelajar di universiti. Sebagai contoh, ada pensyarah menjadikan buku tertentu sebagai ‘silibus’ dan bahan rujukan. Setiap subjek mungkin sehingga lima atau enam buku digunakan.

Sudah tentu pelajar tidak mempunyai sumber kewangan untuk membeli buku yang mungkin tebal dengan harga tinggi.

Lalu tatkala itu, pelajar dibenarkan membuat salinan fotostat halaman tertentu yang berkait dengan pembelajarannya. Maka, pada waktu itu ia diharuskan.

Kembali kepada keadaan seperti dinyatakan, jika benar seseorang itu menghadapi kesukaran wang (hanya beliau dan Allah yang tahu) untuk membeli perisian tulen yang mahal harganya berbanding kemampuannya, maka ada keringanan untuk beliau menggunakan produk tiruan itu dulu buat sementara waktu.

Ketika perniagaan seseorang itu sudah dapat menjana keuntungan yang baik dan stabil serta tiada lagi keperluan mendesak, tatkala itu wajib untuk bertukar dan membeli yang tulen.

Topic 3:KPDNKK iktiraf 500 premis
Sebanyak 500 premis perniagaan di seluruh negara menerima Anugerah Kedai Harga Patut 2011 daripada Kementerian Perdagangan Dalam Negeri (KPDNKK), Koperasi dan Kepenggunaan, sekali gus memudahkan orang ramai untuk berbelanja secara berhemah.

Menterinya, Datuk Seri Ismail Sabri Yaakob, berkata premis itu membabitkan 19 kategori perniagaan, termasuk kedai barang elektrik, kraftangan dan batik, kamera, jam tangan, kosmetik, gerai makan dan restoran dan pasar raya.


Menurutnya, daripada jumlah itu sebanyak 141 kedai adalah di kawasan Selangor, Kuala Lumpur, Putrajaya dan Negeri Sembilan.

“Kedai berkenaan diberikan anugerah itu kerana menjual barang dengan harga berpatutan, di samping perkhidmatan dan layanan memuaskan kepada pelanggan. “Ini langkah kerajaan hendak membantu pengguna berbelanja di kedai yang menyediakan harga murah dan berpatutan. Setiap kedai akan dipasangkan kain rentang bagi tujuan promosi kepada orang ramai,” katanya, selepas menyampaikan Anugerah Kedai Harga Patut 2011, di sini, semalam.


Anugerah yang diperkenalkan sejak 2003 itu diberikan kepada premis perniagaan selepas mengambil kira beberapa kriteria seperti harga barang dijual, kualiti perkhidmatan, suasana persekitaran premis serta peragaan barangan. Pada tahun ini kementerian itu menerima sebanyak 1,115 pencalonan daripada premis perniagaan di seluruh negara. Ismail Sabri berkata, melalui penarafan itu akan menggalakkan peniaga untuk meletakkan harga yang rendah dan tidak mengaut keuntungan sewenang-wenangnya kerana sekiranya mereka melanggar syarat, anugerah berkenaan akan terbatal.


“Pada tahun ini ada sedikit kelainan iaitu pengiktirafan yang diterima adalah kekal kepada kedai berkenaan dan jika mereka melanggar syarat akan terbatal.
“Justeru, mereka tidak perlu menyertainya lagi pada tahun depan. Kita juga akan melakukan pemantauan terhadap premis yang diiktiraf bagi memastikan syarat pemilihan kedai harga patut dipenuhi sepenuhnya,” katanya. Sementara itu, Ismail Sabri berharap melalui Program Menu Rakyat Satu Malaysia dapat meningkatkan sebanyak 1,000 premis makanan sehingga hujung tahun ini. “Program berkenaan menawarkan pakej menu sarapan pagi pada harga maksimum RM2 dan menu tengah hari pada harga maksimum RM4. Sabah dan Sarawak menawarkan harga RM2.50 bagi sarapan pagi dan RM5 bagi makan tengah hari.


“Sehingga kini sebanyak 914 premis yang menyertai program ini dan kita berharap penyertaan akan meningkat sehingga hujung tahun ini,” katanya. Orang ramai yang ingin mendapatkan maklumat lanjut boleh melayari laman web kementerian, www.kpdnkk.gov.my.

Galaxy Mini S5570


enabled with newest internet and browsing features, which users can find in any other expensive mobile phone. Playing and downloading games is made really easy in this convenient compact widget. Of course, this mobile phone is an elating experience for all game lovers. 110.4 x 60.8 x 12.1 mm is its dimensions that suit everyone's pocket. The sleek and slim design makes it more modernized and contemporary. Availability in attractive colors magnetizes many users who are engrossed to try some funky and striking colors.
Samsung Galaxy Mini S5570 Features and Specifications
Video and Music
• FM radio
• eAAC, MP3, WAV, H263, H264 and MP4 player
• 3.2 inches display
• 240 x 320 pixels resolution
• 3.15 megapixels camera with autofocus and LED flash
• Digital zoom
• Video recording

Messaging
• SMS
• MMS
• Email
• Push Email
• IM

Connectivity
• Bluetooth v3.0 with A2DP
• GPRS system
• V2.0 USB port
• Standard Wireless Lan Card
• EDGE system
• 3G HSDPA

Additional Features
• Stores up to 32GB
• 256K colors TFT Capacitive Touch Screen
• TouchWiz v3.0 UI
• Vibrate alert
• Photo ID

Advantages and Disadvantages of Samsung Galaxy Mini S5570
Advantages
One of the superior advantages of Samsung Galaxy Mini S5570 is its compact size. It is equally suitable for pockets of males and clutches of females. Access internet with fast browsing and connectivity features, which let user relish the fun of Youtube, Gmail, Google talk and Picasa integration. Video recording feature provides comfort and convenience to all users.

Disadvantages
Samsung Galaxy Mini S5570 does not support a powerful battery. It operates with Li-Ion 1200 mAh which is not considered very powerful. Furthermore, people cannot take pleasure in social networking websites like Facebook, Twitter and MySpace directly to their device' home screens.

Conclusion
This easy little fellow is definitely a good addition in mobile phone market. Samsung Galaxy Mini S5570 is out there to fill the gaps of excellent compact devices, which are not extensively seen in the market these days. May be manufacturers have forgotten that people do like technological gadgets with improved and enhanced features but mostly in condensed sizes. Unlike other models, users will find this one exactly according to their requirements.

Organizer, image editor, Voice memo, Accelerometer auto rotation feature and enticing games magnetize several users. It will not upset your budget because this fit-to-pocket mobile phone will fit your pocket as well. It is available in affordable price.

Isnin, 14 November 2011

Laptop and Tablet Anroid 2.2










Tablet Anroid 2.2
ZAman semakin canggih, masa ni la lattop aku rosak.... macam nak kena beli jenis tablet lak rasanya. Sekarang ini aku pun mau jual Tablet Anroid 2.2 dengan harga RM 700. Lattop pun aku nak jual gak dng harga RM800 shj. Brand Toshiba.........

Semester 5 & Assignment Organization Behavior

Selesai sudah 3 paper utk Part 1 sem Sep 2011. Alhamdullah. Syukur kehadral Allah S.W.T.

ASSIGNMENT 1 (15%)

(INDIVIDUAL WORK)

Question 1

Rushdi just graduated from college with a degree in marketing. He wants to go into sales. He believes that if he works hard he can earn a lot of money. He wants to earn money fast to pay off his education loans. He is single with no dependents. Describe the type of variable pay program and flexible benefits package that would be the most desirable for Rushdi. (10 marks)
Variable Pay
Performance
We believe that variable pay reinforces the focus on performance and recognizes employees for the achievement of specific results, almost everybody has a performance-related element to their pay. Variable pay is used generally to recognize and reward employee contribution toward company productivity, profitability, team work, safety, quality, or some other metric deemed important. Variable pay changes depending upon the circumstances.
Benefits Package
Plans
Flexible benefit plans allow employees to choose the benefits they want or need from a package of programs offered by an employer. Flexible benefit plans may include health insurance, retirement benefits plans, and reimbursement accounts that employees can use to pay for out-of-pocket health or dependent care expenses. In the short term, companies obviously benefit from sharing costs with employees. But a business may also choose to cap its future contributions to benefits by passing along increased costs to employees through these plans. Flexible benefit plans have become increasingly popular with employers. This has had a major effect on a business' ability to offer benefits, yet most employees still expect to receive benefits as a result of employment. These companies, as well as larger ones, have subsequently sought palatable means by which their employees can contribute to the cost of benefits. One option is a flexible benefit plan. Indeed, many businesses have begun to offer flexible benefits in order to retain a competitive benefits package for employees.
Workers' Compensation
Workers' compensation laws make certain that an employee who is injured as a result of an accident on the job or who contracts a disease as a result of performing his or her job, will receive compensation and medical benefits. Every state requires that employers purchase workers' compensation insurance to ensure that employees, who are affected by illness or injury, and their dependants, are protected against significant hardships in case of injury, illness, or death.
Insurance
Health insurance is the foundation of a comprehensive benefits package for employees. Health insurance is the preferred benefit of the majority of people who work. Health insurance marks an employer as an employer of choice when desirable candidates select job opportunities. Dental insurance is an insurance that will pay specified proportions of the cost of dental and oral hygiene expenses or treatments. Employer-provided dental insurance policies offer employees many different options for insurance coverage. Life insurance is an employee benefit frequently offered by employers. Life insurance is an insurance policy that provides compensation upon the death of an employee. Life insurance marks an employer as an employer of choice when desirable candidates select job opportunities. Find out more about life insurance.
Flexible Benefits and Perks
Our benefits allow employees not only to meet their basic needs in line with local market and legal practice, but also to have a choice of options that suit their individual situation. These options differ per country and can for example include: pensions, medical insurance, housing allowance, scholarships for children or childcare support. Next to the structural rewards we believe it is important to provide on-the-spot recognition for strong contributions. We have recognition programs to celebrate individual and group achievements, while helping managers to recognize and immediately reward significant contributions and results. Programs are developed and implemented at the local level to ensure tax, legal, and cultural appropriateness.
Paid Holidays
Benefits are a form of compensation paid by employers to employees over and above the amount of pay specified as a base salary or hourly rate of pay. Benefits are a portion of a total compensation package for employees. A comprehensive, common set of benefits includes the following components.

Question 2

Elisa is upset with her supervisor because she was denied her requested vacation days, which were given to another worker. She is experiencing a very low level of job satisfaction, but cannot afford to quit her job. Describe five negative, passive responses that Elisa might take due to her dissatisfaction. If you are her manager, how will you deal with her responses? (10 marks)

1. the impact of dissatisfied and satisfied employees on the workplace
o Exit - Dissatisfaction expressed through behavior directed toward leaving the organization.
o Voice - Dissatisfaction expressed through active and constructive attempts to improve conditions.
o Loyalty - Dissatisfaction expressed by passively waiting for conditions to improve.
o Neglect - Dissatisfaction expressed through allowing conditions to worsen.

In early literature, individuals similar to those covered by the designation of passive-aggressive personality disorder were referred to as:

* dissatisfied people who acted as if they were perpetually wounded .
* depressives with ill tempers who were spiteful, malicious, and pessimistic.
* passive resistance to fulfilling social and occupational tasks through procrastination and inefficiency;
* complaints of being misunderstood, unappreciated, and victimized by others;
* angry and pessimistic attitudes toward a variety of events;
* unreasonable criticism and scorn toward those in authority;


Five Step Problem-Solving Model
1. Identify critical behaviors
2. Develop baseline data
3. Identify behavioral consequences
4. Develop and apply intervention
5. Evaluate performance improvement




Question 3

Pick a local service firm. Explain how this firm can create team players to provide a quality service. (10 marks)
A team is a collection of individuals organized to accomplish a common purpose, who are interdependent, and who can be identified by themselves and observers as a team. Teams exist within a larger organization and interact with other teams and with the organization. Teams are one way for organizations to gather input from members, and to provide organization members with a sense of involvement in the pursuit of organizational goals. Further, teams allow organizations flexibility in assigning members to projects and allow for cross-functional groups to be formed.
TYPES OF TEAMS
There are six major types of teams: informal, traditional, problem solving, leadership, self-directed, and virtual.
INFORMAL TEAMS.
Informal teams are generally formed for social purposes. They can help to facilitate employee pursuits of common concerns, such as improving work conditions. More frequently however, these teams form out of a set of common concerns and interests, which may or may not be the same as the organization's. Leaders of these teams generally emerge from the membership and are not appointed by anyone in the organization.
TRADITIONAL TEAMS.

Traditional teams are the organizational groups commonly thought of as departments or functional areas. Leaders or managers of these teams are appointed by the organization and have legitimate power in the team. The team is expected to produce a product, deliver a service, or perform a function that the organization has assigned.

PROBLEM SOLVING TEAMS.
Problem-solving teams or task forces are formed when a problem arises that cannot be solved within the standard organizational structure. These teams are generally cross-functional; that is, the membership comes from different areas of the organization, and are charged with finding a solution to the problem.
LEADERSHIP TEAMS.
Leadership teams are generally composed of management brought together to span the boundaries between different functions in the organization. In order for a product to be delivered to market, the heads of finance, production, and marketing must interact and come up with a common strategy for the product.
SELF-DIRECTED TEAMS.
Self-directed teams are given autonomy over deciding how a job will be done. These teams are provided with a goal by the organization, and then determine how to achieve that goal. Frequently there is no assigned manager or leader and very few, if any, status differences among the team members.
VIRTUAL TEAMS.
Technology is impacting how teams meet and function. Collaborative software and conferencing systems have improved the ability for employees to meet, conduct business, share documents, and make decisions without ever being in the same location. While the basic dynamics of other types of teams may still be relevant, the dynamics and management of virtual teams can be very different. Issues can arise with a lack of facial or auditory clues; participants must be taken at their word, even when video-conferencing tools are used.
TEAM BUILDING
The most successful teams go through five stages of development.

Five Stages of Team Development
Forming
• Assess the ground rules
• Gather information about group goals
Storming
• Initiate conflict with other team members
• Find mutually acceptable resolutions
Norming
• Build cohesion
• Develop a consensus about norms
Performing
• Channel energy toward the task
• Apply problem-solving solutions generated in the previous stages
Adjournment
• Disengagement after successful completion of goals
• Regrets at team break-up
ORGANIZATIONAL BENEFITS OF TEAMS
In addition to improved productivity and quality, some of an organization's major benefits from the use of teams are improved quality of work life for employees, reduced absenteeism and turnover, increased innovation, and improved organizational adaptability and flexibility.
IMPROVED QUALITY OF WORK LIFE.
Effective teams frequently improve the quality of work life for the employees. An effective team is generally one in which members are empowered to make decisions about how to get work done.
LOWER ABSENTEEISM AND TURNOVER.
A satisfying and rewarding work environment helps to lower absenteeism and turnover. Membership in a work team gives an employee a sense of belonging, interaction with others on a regular basis, and recognition of achievements. All of these help to eliminate a sense of isolation within the organization.
Questions Should be Encouraged for Quality Customer Support
It is a win-win situation if properly handled as it also captures possible sales that may open up within the communication. Questions and Answers (Q&A) or Frequently Asked Questions (FAQ) is in fact highly recommended on business web site.

Koleksi Barang Lama







hello everybody.......
This is my collection that I have for the time being. anyone yg interest can email or message in facebook or at the mixbox. Tq

Sabtu, 22 Oktober 2011

PINJAMAN PERNIAGAAN

AKTIVITI YANG LAYAK DIBIAYAI
AKTIVITI YANG TIDAK LAYAK
Pembuatan (keutamaan kepada sektor yang mempunyai pertumbuhan yang tinggi)

Projek asas tani (primary agriculture)


Perkhidmatan

Elektrik, Gas dan Air
Pengangkutan, penyimpanan & komunikasi
Pemborongan dan Peruncitan
Pendidikan
Kesihatan
Lain-lain perkhidmatan terpilih

Pemaju perumahan

Pembinaan (kontrak dari Kerajaan & Syarikat Berkaitan Kerajaan (GLC))


Projek yang menyalahi undang-undang dan moral (pusat perjudian, kelab malam, karaoke,dll)

Pelancongan
Syarikat kewangan
Minyak dan Gas
Pelombongan kecuali kuari
Sektor keutamaan lain seperti ICT, Bioteknologi dll
Lain-lain sektor yang diberikan keutamaan oleh Kerajaan


DANA
KEMUDAHAN PEMBIAYAAN

Internal Fund


RMK9 Funds


Bank Negara Funds (TUB & TIKS)


Special Fund For Tourism (SFT2)


Rural Economic Development Scheme (SPED)


Public Transport Development Fund (TPPA)


Film & Drama Financing Scheme (SPFC)


Graduates Entrepreneur Fund (TUS)


SME Fund 2 (TIKS2)


Terengganu State Entrepreneur Fund (DUNT)


Foreign Funds (JBIC SMIPP, AJDF)


Kraf


Batik


Kapal


Other Funds

Conventional

Term Loan
Leasing
Industrial Hire Purchase
Bank Guarantee
Revolving


Islamic

Bai’bithaman Ajil (BBA)
Bai Murabahah
Bai Dayn
Ijarah
Ijarah Thummalbai’
Kafalah








Working Capital Financing

Fixed Working Capital
Revolving Working Capital




Fixed Asset Financing

Land
Building
Land & Building
Machine & Equipments
Motorised Vehicles


Equity/Investment

Project initiation/ start-up financing
Venture Capital Fund
Financing

Ordinary Shares
Preferred Shares
Loan Stock


KEMUDAHAN
TUJUAN PEMBIAYAAN
Kemudahan Berjangka
Pembelian tanah dan pembinaan bangunan
Pembelian bangunan siap
Pembelian loji
Pembelian mesin dan peralatan
Kos ubahsuai
Pembelian perabot dan kelengkapan
Sewapajak
Pembelian mesin dan peralatan
Pembelian kenderaan komersil (kecuali bas)
Sewabeli Perindustrian (IHP)
Pembelian mesin dan peralatan
Pembelian kenderaan (kecuali bas)
Modal kerja tetap
Pembelian bahan mentah
Pembelian barang siap
Pembiayaan siberhutang
Pembiayaan kos operasi (gaji, utiliti, sewa, dll)
Pembiayaan aset tidak ketara (Patent,Goodwill, Harta Iintelek dan lain-lain)
Kos pemindahan teknologi
Kos guaman (untuk program khas)
Kos Operasi seperti yuran francais (untuk produk francais)
Perundingan,promosi & penjenamaan
Modal Kerja Berputar

Pre-Shipment


Post-Shipment


Pembelian bahan mentah
Pembelian baranag siap

Siberhutang
Jaminan Bank
Bon Prestasi
Jaminan Bayaran Pendahuluan
Tender Bon
Jaminan kepada Syarikat Pengeluar, Bank, dsbg
Stok Pinjaman
Harta Tetap
Modal Kerja
* Maksima 30% dari modal berbayar syarikat
Surat Sokongan
Untuk memasuki tender Kerajaan & Syarikat Berkaitan Kerajaan (GLC)

Khidmat Nasihat Perniagaan


Business Advisory & Consultancy, SME Bank


Di Malaysia, terdapat lebih daripada 90% penubuhan kami ialah PKS dengan hasil tahunan kurang daripada RM25 juta. Berpunca daripada kestabilan dan perkembangan ekonomi yang dipacu oleh perkembangan yang berstruktur dan mampan bagi industri ini, kejayaan para usahawan amat berkait rapat dengan kecekapan pengurusan dan pentadbiran perniagaan.Bermula daripada kemahiran aliran wang yang mudah hinggalah ke pengurusan pembayaran balik pinjaman dan pengetahuan kreatif serta operasi yang diperlukan untuk memasarkan produk dan perkhidmatan, memantapkan pertumbuhan PKS adalah mencabar kepada semua pengurusan PKS dalam pasaran yang sudah dibanjiri oleh pesaing dalam dan luar negara.

Menerusi kerjasama yang jitu antara Malaysia dan agensi dan badan pembangunan PKS antarabangsa yang lain, kami membangunkan perkhidmatan sokongan perniagaan yang luas (Bantuan) untuk bertindak balas dengan keperluan pelanggan segenap industri dan fasa perkembangan perniagaan (seperti, permulaan, perkembangan, matang dan penurunan). Berdasarkan strategi dan pendekatan yang berbeza ini, Bank berharap akan mencapai objektif berikut:-

Menyokong aktiviti perniagaan teras Bank.
Mengurus/ mengurangkan risiko pada peringkat permulaan untuk Bank.
Membangunkan kemampuan perniagaan dan meningkatkan nilai perniagaan pelanggan.
Memperkasakan dan meningkatkan prestasi perniagaan pelanggan Bank ke peringkat yang lebih tinggi ( contohnya daripada mikro ke kelas industri kecil dan sederhana).

Bantuan Perniagaan dan Pakej direka setelah mengambil kira Model Perniagaan Baru yang dicadangkan untuk memberikan perkhidmatan kewangan dan khidmat nasihat yang diberikan oleh SME Bank:
Walaupun ramai usahawan memiliki keupayaan besar dan naluri individu yang tinggi untuk mencapai kejayaan pada mulanya , terdapat juga golongan yang memulakan perniagaan dengan pengetahuan yang cetek tentang cara memulakan perniagaan. Keinginan untuk menjadi usahawan selalu menahan idea perniagaan ataupun pembangunan produk atau perkhidmatan baru.Namun, peratusan perniagaan PKS berisiko besar untuk gagal setiap tahun, selalunya pada tahun pertama dan kedua operasi di mana pelbagai faktor besar menyumbang kepada kejayaan dan kegagalan perniagaan baru.

Dalam mana-mana bidang perniagaan, terdapat peluang dan juga had dalam menjadi syarikat kecil atau memulakan perniagaan di mana kesanggupan untuk bekerja keras kadangkala tidak mencukupi dalam pertumbuhan syarikat dalam pasaran. Usaha mendapat model perniagaan yang tepat adalah penting dalam kitaran perkembangan perniagaan bagi menghadapi cabaran perniagaan bagi menentukan tahap perkembangan syarikat.Perkembangan perniagaan selalunya boleh dikelaskan kepada empat tahap perkembangan.

Mengembangkan Perniagaan


Tempoh perjalanan antara Permulaan dan Kematangan bergantung pada kemahiran kumulatif PKS, industri yang terlibat dan posisi pesaing, model perniagaan yang bagus, kelebihan menjangka pasaran lebih awal berbanding pesaing, memiliki pasaran yang stabil, pasukan pengurusan yang mantap dan memiliki reputasi pasaran untuk membentuk kewangan dan sokongan pasaran. Namun, perniagaan akan mula menurun apabila satu atau lebih daripada unsur ini telah terlepas pandang ataupun tidak dapat ditangani oleh usahawan.

Cara Perlaksanaan Perkhidmatan


Perkhidmatan yang ditawarkan dilaksanakan melalui pihak SME (Kaunselor Perniagaan) dan Penyedia Khidmat Luaran (rakan kongsi strategik, pakar pihak ketiga, konsultan dan golongan profesional) disediakan di seluruh negara melalui 18 cawangan dan ibu pejabat.

Nota:

Perkhidmatan di atas di tawarkan secara berperingkat, sila rujuk Khidmat Nasihat & Perunding Perniagaan (Hubungi talian terus : 03-2615 2888 dalam waktu pejabat) dalam perkhidmatan bantuan yang ketika ini untuk kumpulan pelanggan yang berbeza. Namun, Bank akan mengeluarkan jadual tentang perkhidmatan yang ditawarkan dan akan berhubung secara terus dengan pelanggan berkaitan kekosongan program bantuan. Fungsi khas perkhidmatan sokongan yang kadang kala dibangunkan untuk memenuhi keperluan PKS di cawangan bank atau ibu pejabat. Notis dan maklumat untuk program khas ini akan dimasukkan di www.smebank.com.my

Rabu, 19 Oktober 2011

KR1M - Perancangan

KUALA LUMPUR, 18 Okt (Bernama) -- Tawaran untuk membuka Kedai Rakyat 1Malaysia (KR1M) kepada Koperasi Bela Rakyat (KOBERA) oleh Kementerian Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK) merupakan salah satu inisiatif bagi membantu koperasi tersebut untuk memajukan perniagaan mereka. Menterinya Datuk Seri Ismail Sabri Yaakob berkata, dengan adanya tawaran sedemikian maka koperasi tersebut boleh menjana pendapatan tambahan khususnya kepada golongan miskin. "Geran permulaan perniagaan kepada KOBERA hanya RM30,000 dan ianya tidak mencukupi namun kami akan mengadakan perbincangan dengan Suruhanjaya Koperasi Malaysia (SKM) tentang bagaimana hendak memperuntukkan pinjaman Kedai Rakyat 1 Malaysia," katanya semasa menutup seminar peluang peniagaan KOBERA peringkat Zon Tengah di sini, Selasa. Beliau berkata sebuah tabung yang dinamakan tabung modal pusingan tanpa cagaran akan diberikan kepada setiap kawasan Parlimen dengan nilai pinjaman maksimum sebanyak RM50,000 untuk membolehkan KOBERA membuka Kedai Rakyat 1Malaysia. Mengulas mengenai KOBERA, Ismail Sabri berkata pihaknya sentiasa menggalakkan penubuhan KOBERA di setiap kawasan Dewan Undangan Negeri (DUN), bagi membela nasib rakyat yang dibelenggu kemiskinan melalui aktiviti ekonomi yang dijalankan secara berkoperasi dengan sokongan penuh kerajaan. Beliau berkata bagi menggalakkan penubuhan lebih banyak KOBERA di setiap DUN pihaknya telah menubuhkan Majlis Perundingan Koperasi Peringkat Parlimen (MPKP) untuk menjadi pemangkin ke arah merealisasikan hasrat tersebut. "Hari ini kita dapat lihat bahawa 46 orang pengerusi MPKP, 156 orang anggota Lembaga KOBERA dan 46 orang pegawai pengembang koperasi melibatkan kawasan Parlimen dan kawasan DUN dari tiga negeri iaitu Wilayah Persekutuan, Selangor dan Perak yang terlibat dalam seminar dan perjumpaan ini," katanya. Menurutnya, melalui kegiatan ekonomi yang dijalankan secara berkoperasi dan dengan sokongan penuh kerajaan dalam bentuk kewangan dan khidmat nasihat, adalah diharapkan sebahagian besar daripada anggota KOBERA ini boleh keluar dari belenggu kemiskinan. "Saya juga berharap agar dengan penubuhan MPKP di setiap Parlimen wajar dilihat sebagi pemangkin ke arah merealisasikan hasrat kerajaan dan kementerian untuk melihat sektor koperasi memainkan peranan yang lebih besar dan penting dalam pembangunan sosio-ekonomi negara,"katanya. -- BERNAMA

KOBERA

KOBERA - Platform Membasmi Kemiskinan Dalam Dan Luar Bandar
Oleh : Abdul Aziz Mohamad Yunus
Satu majlis bersejarah bagi membantu golongan kurang berkemampuan memperbaiki taraf hidup mereka melalui koperasi telah diadakan di mana majlis pelancaran Koperasi Bela Rakyat (KOBERA) telah berlangsung di Dewan Tun Dr. Ismail, Pusat Dagangan Dunia Putra, Kuala Lumpur pada 22 Februari 2009 yang lalu. Perasmian yang disempurnakan oleh Menteri Pembangunan Usahawan dan Koperasi, Y.B. Dato’ Noh Haji Omar telah melangkah setapak lagi dalam program membasmi kemiskinan. Dengan adanya program seperti ini, golongan yang kurang berkemampuan boleh terlibat secara langsung dengan aktiviti ekonomi yang diusahakan secara berkoperasi, justeru membuka peluang pekerjaan dan menambahkan sumber pendapatan mereka.

KOBERA juga merupakan salah satu program pembasmian kemiskinan yang dilaksanakan oleh kerajaan melalui gerakan koperasi. Dalam Laporan Rancangan Malaysia Ke-9 menyatakan bahawa terdapat kira-kira 5.7 peratus rakyat dikategorikan sebagai rakyat miskin dan 1.2 peratus lagi adalah dalam golongan miskin tegar. Kementerian Pembangunan Usahawan dan Koperasi (MeCD) melalui Suruhanjaya Koperasi Malaysia (SKM) telah menggerakkan program membela rakyat miskin bertujuan untuk membantu mereka menangani masalah kenaikan harga barangan, kekurangan bekalan makanan, menambah sumber pendapatan bagi membolehkan rakyat merapatkan jurang pendapatan dan seterusnya mengeluarkan mereka dari belenggu kemiskinan. Ini adalah selaras dengan dasar kerajaan melalui misi nasionalnya yang ingin menangani masalah ketidakseimbangan sosio-ekonomi yang berterusan secara produktif dan dalam masa yang sama ianya amat berkesan kerana gerakan koperasi merupakan pertubuhan yang berasaskan sosio-ekonomi.

Menurut Dato’ Noh Haji Omar lagi kerajaan mensasarkan untuk menubuhkan KOBERA di 576 kawasan Dewan Undangan Negeri (DUN), di seluruh negara menjelang akhir tahun 2013. Sebanyak 267 ahli KOBERA telah didaftarkan setakat ini. Bagi tahun 2009, sebanyak RM18 juta diperuntukkan oleh kerajaan melalui Unit Penyelarasan Pelaksanaan (ICU) Jabatan Perdana Menteri, yang diberikan secara berperingkat-peringkat mengikut pelaksanaan projek dibawahnya. Katanya lagi, sumber kewangan telahpun diberi melalui geran pelancaran sebanyak RM30,000 untuk membiayai yuran kemasukan dan modal syer anggota pada kadar RM100 setiap orang. Kemudahan pinjaman juga turut disediakan dimana pinjaman tanpa cagaran sehingga RM50,000 boleh didapati sebagai modal tambahan aktiviti perniagaan. Konsep penubuhan KOBERA telah dilancarkan oleh Y.A.B. Perdana Menteri Malaysia pada 20 Julai 2008 sempena dengan sambutan perayaan Hari Koperasi Negara 2008 yang lalu dan telah diluluskan oleh Kabinet.

Menurut beliau lagi, masyarakat harus digalakkan menyertai KOBERA kerana ianya boleh menyumbang dalam menggerakkan dan menjana ekonomi masyarakat luar bandar. Koperasi bukan sahaja menjalankan perniagaan malah membantu golongan miskin dengan memberi secara saksama keuntungan perniagaan. Dalam 6,000 koperasi yang berdaftar, hanya 20 peratus sahaja yang mendapat keuntungan lebih daripada RM200,000 dan 80 peratus lagi adalah di bawah angka tersebut. Didapati juga daripada 27 juta rakyat di negara ini, mereka yang menjadi anggota koperasi adalah seramai tujuh juta orang sahaja. Disebabkan oleh itulah SKM ditubuhkan bagi menggerakkan rakyat dalam koperasi. Menurutnya lagi, jika koperasi dapat diuruskan secara profesional, mengapa tidak kita tubuhkan lebih banyak koperasi kerana koperasi dapat menjana pendapatan yang lumayan. Tahun ini Kementerian cuba menubuhkan sebuah lagi bank baru supaya boleh menjadi Bank Rakyat yang kedua yang boleh memberikan dividen yang baik kepada anggotanya. Cadangan dengan mengumpulkan koperasi yang besar-besar seperti ANGKASA, Koperasi Shamelin, Koperasi Polis dan lain-lain lagi bagi menubuhkan bank tersebut. Kerajaan juga ingin menggalakkan orang-orang miskin menjadi usahawan kerana sabda Rasulullah S.A.W. sembilan per sepuluh hasil pendapatan datangnya dari perniagaan.

KOBERA juga selain membantu golongan miskin dalam keusahawanan, ianya juga berfungsi sebagai pusat pengumpulan seperti “Trading House” seperti yang terdapat di Kota London. Pinjaman boleh dilakukan pada KOBERA melalui SKM, MARA, SME Bank, Bank Pembangunan dan lain-lain lagi. Fungsinya juga adalah sebagai agen atau orang tengah bagi membantu barang-barang hasil koperasi di pasarkan kepada syarikat-syarikat besar. Cadangan mengadakan “Bas Mini Desa” di kawasan kampung-kampung akan dilaksanakan bagi membantu pelajar-pelajar sekolah atau pekerja-pekerja yang memerlukan pengangkutan awam. Bantuan kewangan akan diberikan oleh SKM kepada mana-mana koperasi yang ingin mengusahakan perniagaan ini dengan geran bas di pegang oleh SKM. Alasannya adalah kerana di sesetengah kawasan kampung tiada perkhidmatan bas di sediakan.

Dalam masa yang sama juga, pihak kerajaan juga telah membeli 26 lot kedai bagi mempamerkan hasil-hasil barangan koperasi di Melaka bagi tujuan pusat pelancongan. Sebagai contohnya koperasi boleh menjual tempe, kerepek, hasil hiasan dan lain-lain lagi. Projek ini akan di lancarkan pada tahun ini juga. Beliau yakin koperasi akan boleh berjaya sekiranya di tadbir secara profesional. Bagi mengukuhkan pentadbiran, menurutnya lagi Maktab Kerjasama Malaysia Berhad (MKM) boleh membantu melatih Ahli Lembaga Pengarah (ALP) koperasi dalam menguruskan koperasi.

Objektif KOBERA adalah bagi mewujudkan peluang pekerjaan melalui kegiatan ekonomi, meningkatkan sumber pendapatan tambahan, penggunaan guna tenaga penuh rakyat miskin disamping memaksimakan penggunaan tanah terbiar di kawasan luar bandar. Manakala ciri-cirinya pula adalah dikategorikan di bawah koperasi asas (primary co-operative) di mana 1/3 Anggota Lembaga Koperasi dilantik oleh Menteri di kalangan pemimpin tempatan dan 2/3 Anggota Lembaga Koperasi pula dipilih dalam Mesyuarat Agung Koperasi. Koperasi pula akan diurus oleh seorang pengurus sepenuh masa.

Manakala bagi peringkat nasional pula, ianya dikategorikan sebagai koperasi menengah (secondary co-operative) dimana keanggotaannya terdiri dari semua KOBERA Asas dengan diwakili oleh Pengerusi/Setiausaha Koperasi, 1/3 anggota lembaga dilantik oleh Menteri dan 2/3 dipilih dalam Mesyuarat Agong Perwakilan.

Di bawah rancangan penubuhan KOBERA ini juga, aktiviti ekonomi yang diambil kira bagi membantu golongan miskin meningkatkan sumber pendapatan mereka adalah melalui aktiviti seperti berikut :

Asas tani yang berasaskan teknologi dan pengetahuan seperti sayuran, cili dan tomato melalui teknik fertigasi dan tanaman cendawan, orkid dan ternakan haiwan dengan kaedah terbaru;
Tanaman komersial berasaskan herba seperti serai, limau purut, nilam, tanaman ubatan melalui kaedah lading kontrak dengan jaminan belian balik hasil;
Pengeluaran produk makanan ringan, kraftangan, hasil laut dan bahan-bahan binaan berteknologi ringkas
Aktiviti perkhidmatan seperti pencucian dan penyelenggaraan bangunan, landskap, dobi, percetakan dan eko-pelancongan; dan
Lain-lain aktiviti yang boleh mewujudkan peluang pekerjaan kepada anggota koperasi.