Today, Knowledge Management today are not limited merely to : (A) 'knowing' or 'reading lots of books/scholarly articles' or (B) data mining, analysis, decision making, preventive actions, or (C) some Human Resources Management issue or (D) some ICT issue. Knowledge Management is about putting your knowledge, skills and competency into practice and most important IT WORKS! For you and your company or your business (Nik Zafri)

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Email: nikzafri@yahoo.com, nikzafri@gmail.com

Kelantanese, Alumni of Sultan Ismail College Kelantan (SICA), Diploma (Management), IT Competency Cert, Certified Written English Professional US. Has participated in many seminars/conferences (local/ international) in the capacity of trainer/lecturer and participant.

Affiliations :- Council Member of Gerson Lehrman Group NY, Institute of Quality Malaysia, Malaysian Institute of Management, Malaysian Occupational Safety and Health Professionals Association, Auditor ISO 9000 IRCAUK, Auditor OHSAS 18000 (SIRIM and STS) /EMS ISO 14000:2004 and Construction Quality Assessment System (CONQUAS, CIDB (Now BCA) Singapore),

* Possesses 26 years of experience/hands-on in the multi-modern management & technical disciplines (systems & methodologies) such as Knowledge Management (Hi-Impact Management/ICT Solutions), Quality (TQM/ISO), Safety Health Environment, Civil & Building (Construction), Manufacturing, Motivation & Team Building, HR, Marketing/Branding, Business Process Reengineering, Economy/Stock Market, Contracts/Project Management, Finance & Banking, etc. He was employed to international bluechips involving in national/international megaprojects such as Balfour Beatty Construction/Knight Piesold & Partners UK, MMI Insurance Group Australia, Hazama Corporation (Hazamagumi) Japan (with Mitsubishi Corporation, JA Jones US, MMCE and Ho-Hup) and Sunway Construction Berhad (The Sunway Group of Companies). Among major projects undertaken : Pergau Hydro Electric Project, KLCC Petronas Twin Towers, LRT Tunnelling, KLIA, Petronas Refineries Melaka, Putrajaya Government Complex, Sistem Lingkaran Lebuhraya Kajang (SILK), Mex Highway, KLIA1, KLIA2 etc. Once serviced SMPD Management Consultants as Associate Consultant cum Lecturer for Diploma in Management, Institute of Supervisory Management UK/SMPD JV. Currently – Associate/Visiting Consultants/Facilitators, Advisors for leading consulting firms (local and international) including project management. To name a few – Noma SWO Consult, Amiosh Resources, Timur West Consultant Sdn. Bhd., TIJ Consultants Group (Malaysia and Singapore) and many others.

* Ex-Resident Weekly Columnist of Utusan Malaysia (1995-1998) and have produced more than 100 articles related to ISO-9000– Management System and Documentation Models, TQM Strategic Management, Occupational Safety and Health (now OHSAS 18000) and Environmental Management Systems ISO 14000. His write-ups/experience has assisted many students/researchers alike in module developments based on competency or academics and completion of many theses. Once commended by the then Chief Secretary to the Government of Malaysia for his diligence in promoting and training the civil services (government sector) based on “Total Quality Management and Quality Management System ISO-9000 in Malaysian Civil Service – Paradigm Shift Scalar for Assessment System”

Among Nik Zafri’s clients : Adabi Consumer Industries Sdn. Bhd, (MRP II, Accounts/Credit Control) The HQ of Royal Customs and Excise Malaysia (ISO 9000), Veterinary Services Dept. Negeri Sembilan (ISO 9000), The Institution of Engineers Malaysia (Aspects of Project Management – KLCC construction), Corporate HQ of RHB (Peter Drucker's MBO/KRA), NEC Semiconductor - Klang Selangor (Productivity Management), Prime Minister’s Department Malaysia (ISO 9000), State Secretarial Office Negeri Sembilan (ISO 9000), Hidrological Department KL (ISO 9000), Asahi Kluang Johor(System Audit, Management/Supervisory Development), Tunku Mahmood (2) Primary School Kluang Johor (ISO 9000), Consortium PANZANA (HSSE 3rd Party Audit), Lecturer for Information Technology Training Centre (ITTC) – Authorised Training Center (ATC) – University of Technology Malaysia (UTM) Kluang Branch Johor, Kluang General Hospital Johor (Management/Supervision Development, Office Technology/Administration, ISO 9000 & Construction Management), Kahang Timur Secondary School Johor (ISO 9000), Sultan Abdul Jalil Secondary School Kluang Johor (Islamic Motivation and Team Building), Guocera Tiles Industries Kluang Johor (EMS ISO 14000), MNE Construction (M) Sdn. Bhd. Kota Tinggi Johor (ISO 9000 – Construction), UITM Shah Alam Selangor (Knowledge Management/Knowledge Based Economy /TQM), Telesystem Electronics/Digico Cable(ODM/OEM for Astro – ISO 9000), Sungai Long Industries Sdn. Bhd. (Bina Puri Group) - ISO 9000 Construction), Secura Security Printing Sdn. Bhd,(ISO 9000 – Security Printing) ROTOL AMS Bumi Sdn. Bhd & ROTOL Architectural Services Sdn. Bhd. (ROTOL Group) – ISO 9000 –Architecture, Bond M & E (KL) Sdn. Bhd. (ISO 9000 – Construction/M & E), Skyline Telco (M) Sdn. Bhd. (Knowledge Management),Technochase Sdn. Bhd JB (ISO 9000 – Construction), Institut Kefahaman Islam Malaysia (IKIM – ISO 9000 & Internal Audit Refresher), Shinryo/Steamline Consortium (Petronas/OGP Power Co-Generation Plant Melaka – Construction Management and Safety, Health, Environment), Hospital Universiti Kebangsaan Malaysia (Negotiation Skills), Association for Retired Intelligence Operatives of Malaysia (Cyber Security – Arpa/NSFUsenet, Cobit, Till, ISO/IEC ISMS 27000 for Law/Enforcement/Military), T.Yamaichi Corp. (M) Sdn. Bhd. (EMS ISO 14000) LSB Manufacturing Solutions Sdn. Bhd., (Lean Scoreboard (including a full development of System-Software-Application - MSC Malaysia & Six Sigma) PJZ Marine Services Sdn. Bhd., (Safety Management Systems and Internal Audit based on International Marine Organization Standards) UNITAR/UNTEC (Degree in Accountacy – Career Path/Roadmap) Cobrain Holdings Sdn. Bhd.(Managing Construction Safety & Health), Speaker for International Finance & Management Strategy (Closed Conference), Pembinaan Jaya Zira Sdn. Bhd. (ISO 9001:2008-Internal Audit for Construction Industry & Overview of version 2015), Straits Consulting Engineers Sdn. Bhd. (Full Integrated Management System – ISO 9000, OHSAS 1800 and EMS ISO 14000 for Civl/Structural/Geotechnical Consulting), Malaysia Management & Science University (MSU – (Managing Business in an Organization), Innoseven Sdn. Bhd. (KVMRT Line 1 MSPR8 – Awareness and Internal Audit (Construction), ISO 9001:2008 and 2015 overview for the Construction Industry), Kemakmuran Sdn. Bhd. (KVMRT Line 1 - Signages/Wayfinding - Project Quality Plan and Construction Method Statement ), Amiosh Resources - (1) Lembaga Tabung Haji - Flood ERP (2) WNA Consultants - DID/JPS -Flood Risk Assessment and Management Plan - Prelim, Conceptual Design, Interim and Final Report etc. (3) Tunnel Fire Safety - Fire Risk Assessment Report - Design Fire Scenario), Safety, Health and Environmental Management Plans leading construction/property companies/corporations in Malaysia. Timur West Consulting (1) Business Methodology and System (2) Information Security Management Systems (ISMS) ISO/IEC 27001:2013 for Majlis Bandaraya Petaling Jaya ISMS/Audit/Risk/ITP Technical Team

* Has appeared for 10 consecutive series in “Good Morning Malaysia RTM TV1’ Corporate Talk Segment discussing on ISO 9000/14000 in various industries. For ICT, his inputs garnered from his expertise have successfully led to development of work-process e-enabling systems in the environments of intranet, portal and interactive web design especially for the construction and manufacturing. Some of the end products have won various competitions of innovativeness, quality, continual-improvements and construction industry award at national level. He has also in advisory capacity – involved in development and moderation of websites, portals and e-profiles for mainly corporate and private sectors, public figures etc. He is also one of the recipients for MOSTE Innovation for RFID use in Electronic Toll Collection in Malaysia.

Note :



Tuesday, June 10, 2008


Oleh : Nik Zafri (Mei, 2007)

Atas permintaan ramai peminat dan pembaca, berikut adalah antara pautan-pautan penting bagi usahawan-usahawan memerlukan bantuan kewangan dalam bentuk geran atau pinjaman/pembiayaan.

Pautan-pautan URL yang saya letakkan di sini adalah antara agensi-agensi/institusi-institusi kewangan (kerajaan/swasta) yang jarang diketahui oleh bakal-bakal usahawan terutamanya golongan muda.

Kebanyakan isi kandungan pautan-pautan ini adalah dalam Bahasa Inggeris.

Walaubagaimanapun, masih terdapat lain-lain pilihan permohonan pinjaman/pembiayaan seperti MARA, TEKUN, PROSPER dan sebagainya (atau terus menghubungi bank-bank/institusi-institusi kewangan) yang tidak saya letakkan di sini kerana umumnya ramai yang telah mengetahui akan kewujudan agensi-agensi/skim-skim ini.

Sebelum pembaca melawat pautan-pautan ini, suka saya mengingatkan pembaca/bakal usahawan akan perkara-perkara berikut :

a) Pastikan pembaca/bakal usahawan menentukan apakah jenis perniagaan atau industri dan saiz (SMI/IKS dll). perniagaan selaras dengan jumlah geran atau pinjaman/pembiayaan yang bakal dipohon. Kesilapan yang sering berlaku ialah memohon jumlah yang tidak selaras dengan saiz atau jenis industri yang bakal diceburi.

b) Pastikan pembaca/bakal usahawan mempunyai pengetahuan, kelayakan dan pengalaman yang secukupnya sebelum menceburi apa-apa jenis perniagaan dan industri. Dapatkan input daripada perunding atau pakar atau rakan-rakan yang mempunyai pengalaman yang lebih lama dalam perniagaan/industri berkenaan. Kesilapan yang sering berlaku ialah kegagalan perniagaan/industri disebabkan kurang pengetahuan mengenai sistem, operasi dan pelaksanaan.

c) Kepentingan/Objektif utama permohonan geran atau pinjaman/pembiayaan adalah untuk perniagaan dan industri yang bakal diceburi. Kesilapan yang sering berlaku ialah apabila kelulusan diberikan, wang terus digunakan untuk 'menutup lubang' (hutang) yang besar. Jika ini berlaku maka aliran tunai perniagaan/industri akan mengalami kegagalan dalam tempoh yang pendek. Apatah lagi, jika wang itu tidak digunakan untuk perniagaan/industri sebagaimana permohonan asal.

d) Dalam membuat kertas kerja, pastikan pembaca/bakal usahawan memberikan keterangan yang benar dengan data, analisa atau bukti yang mencukupi. Kesilapan yang sering berlaku ialah apabila terlalu banyak haipotesis (kumpulan teori-teori) digunakan terutamanya pada bahagian 'Pemasaran'. Trend kini menunjukkan bahawa kebolehupayaan perniagaan/industri (business viability) merupakan satu bentuk 'cagaran' yang penting dan akan dinilai oleh panel pemberi pinjaman/pembiayaan atau geran. Kesilapan yang sering berlaku ialah meletakkan cagaran berbentuk aset semata-mata tanpa mengambilkira kebolehupayaan/jangkahayat perniagaan berkenaan. Atau memasukkan sejumlah wang dalam akaun bank syarikat bagi menunjukkan 'penyata bank yang baik' kepada pihak pemberi pinjam. Kemudian, wang itu dikeluarkan selepas menerima penyata. Perkara ini perlu dielakkan kerana trend menunjukkan bahawa bukanlah jumlah wang yang ada dalam bank yang diambilkira tetapi corak pergerakan 'turnover' (keluar masuk) wang berkenaan bagi tempoh tertentu.

'Turnover' ini perlu dibuktikan dengan data yang mencukupi seperti terdapatnya Pesanan Belian (PO), Invois dsb. Pembaca/bakal usahawan juga perlu cuba mendapatkan surat-surat sokongan/surat niat dari bakal pembekal, bakal pelanggan, institusi kewangan (surat niat kemudahan kredit) dsb. bagi menggambarkan viabiliti dan jangkahayat perniagaan berkenaan.

Setidak-tidaknya cubalah buat tinjauan dan penyelidikan yang mencukupi dalam perniagaan/industri yang bakal diceburi.

Banyak di antara pautan-pautan berikut juga memberikan sampel atau contoh kertas kerja atau pelan perniagaan termasuk proses-proses/kriteria-kriteria yang perlu difahami dan diperlukan oleh agensi pemberi pinjaman/pembiayaan atau geran.

Walaubagaimanapun, perlu saya nyatakan bahawa saya tidak ada sebarang kepentingan atau kaitan secara professional dan peribadi dengan agensi-agensi yang disebutkan di bawah ini. Tetapi, sekiranya pembaca/bakal usahawan memerlukan panduan-panduan lain/info. lain, sila e-mel kepada saya.


Geran diberikan untuk perniagaan ICT, bioteknologi dan lain-lain industri yang berkaitan. Program ini juga membuka peluang kepada idea-idea baru untuk diperuntukkan geran. Usahawan juga dikehendaki mendaftar secara talian selain digalakkan/diwajibkan menyertai kursus-kursus yang disediakan.

Artikel/Bahan Menarik Panduan Penulisan Ringkasan Eksekutif Panduan Pemerosesan Permohonan Carta Alir Proses Permohonan


Objektif Pinjaman/Pembiayaan diberikan adalah hampir sama dengan apa yang diperuntukkan oleh MAVCAP

Dokumen-Dokumen Carta Alir Proses Permohonan


Objektif Geran dan Pinjaman/Pembiayaan diberikan untuk IKS yang berpotensi. Usahawan juga dikehendaki mendaftar secara talian.



CGC mempunyai 6 Skim Utama iaitu Laluan Terus, Usahawan Kecil, Perbankan Islam, Anjal, Francais dan ENHANCER. Ianya berbentuk pinjaman/pembiayaan di mana CGC adalah badan yang memberikan jaminan kewangan dan syor kepada pihak bank bagi meluluskan pinjaman/pembiayaan berdasarkan kertas kerja/pelan perniagaan yang dinilai. Usahawan
juga dikehendaki mendaftar secara talian selain digalakkan/diwajibkan menyertai kursus-kursus yang disediakan.



Technopreneur adalah satu inisiatif MDeC/MSC (Perbadanan Multimedia (Cyberjaya) - Koridor Raya Multimedia) untuk meluluskan geran khusus kepada usahawan ICT yang berpotensi. Terdapat juga maklumat berkenaan permohonan status MSC.


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