Syarat kredit adalah bahagian penting dalam perdagangan, terutamanya apabila syarikat mempunyai modal terhad. Selain daripada pembiayaan luaran, syarat kredit memastikan perniagaan kecil mampu kekal beroperasi. Syarat kredit adalah penting kerana mendapatkan pembiayaan masih merupakan salah satu cabaran terbesar yang dihadapi oleh PKS di Malaysia. Tetapi bukan PKS sahaja yang mendapat Read more…
The business landscape has grown increasingly competitive – sellers must offer credit terms to gain an advantage over suppliers that operate strictly on a cash basis. Eventhough many have raised concerns, extending credit can often be a win-win for both suppliers and retailers. Sellers that offer credit to customers allow Read more…
Credit terms are an essential part of business trades. Along with funding, credit terms keep small businesses with limited capital going. Financing remains one of the biggest challenges SMEs in Malaysia face, which makes this matter more critical. But SMEs are not the only ones that benefit from credit terms. Read more…
In the APAC region, SMEs are one of the biggest contributors to the economy. They account for 98% of enterprises and 50% of total employment. However, obtaining bank loans has always been a common setback SMEs face. Small businesses lack collateral and consistent cash flow to qualify for loans. And Read more…
As a small business owner, it’s important to have an understanding of common credit terms in Malaysia. Credit terms are the agreement between a seller and buyer that details how much the buyer has to pay for a purchase and by when. In other words, credit terms are a contract Read more…
Walaupun terdapat banyak skim pinjaman PKS dan insentif kerajaan, banyak perniagaan masih bergelut untuk mendapatkan bantuan kewangan. Wabak Covid-19 juga memburukkan keadaan ini. Kerana kemelesetan ekonomi, bank tidak yakin untuk meminjamkan dana. Ini kerana pada masa susah, peminjam cenderung menangguhkan pembayaran dan ingkar pinjaman. Pinjaman perniagaan adalah penting bukan sahaja Read more…
Despite SME loan schemes and government incentives, many businesses still struggle to secure financial assistance. The pandemic is not helping matters either. Lenders are at their limit during an economic recession because when times are tough, borrowers start to delay payments and default on loans. Business loans are essential not Read more…