DISCLAIMER - NIKZAFRI.BLOGSPOT.COM


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) Can I still offer consultancy or training? Who claims otherwise? Absolutely, I can.

The information comprised in this section is not, nor is it held out to be, a solicitation of any person to take any form of investment decision. The content of the nikzafri.blogspot.com does not constitute advice or a recommendation by nikzafri.blogspot.com and should not be relied upon in making (or refraining from making) any decision relating to investments or any other matter. You should consult your own independent financial adviser and obtain professional advice before exercising any investment decisions or choices based on information featured in this nikzafri.blogspot.com can not be held liable or responsible in any way for any opinions, suggestions, recommendations or comments made by any of the contributors to the various columns on nikzafri.blogspot.com nor do opinions of contributors necessarily reflect those of http://www. nikzafri.blogspot.com

In no event shall nikzafri.blogspot.com be liable for any damages whatsoever, including, without limitation, direct, special, indirect, consequential, or incidental damages, or damages for lost profits, loss of revenue, or loss of use, arising out of or related to the nikzafri.blogspot.com or the information contained in it, whether such damages arise in contract, negligence, tort, under statute, in equity, at law or otherwise.


MY EMPLOYERS AND CLIENTELLES



BIODATA - NIK ZAFRI


 



NIK ZAFRI BIN ABDUL MAJID,
CONSULTANT/TRAINER
Email: nikzafri@yahoo.com, nikzafri@gmail.com
https://nikzafri.wixsite.com/nikzafri

Kelantanese, Alumni of Sultan Ismail College Kelantan (SICA), 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 :- Network Member of Gerson Lehrman Group, Institute of Quality Malaysia, Auditor ISO 9000 IRCAUK, Auditor OHSMS (SIRIM and STS) /EMS ISO 14000 and Construction Quality Assessment System CONQUAS, CIDB (Now BCA) Singapore),

* Possesses almost 30 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 18000 (ISO 45000) and EMS ISO 14000 for Civil/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 ), Lembaga Tabung Haji - Flood ERP, WNA Consultants - DID/JPS -Flood Risk Assessment and Management Plan - Prelim, Conceptual Design, Interim and Final Report etc., 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 Consultant : Business Methodology and System, Information Security Management Systems (ISMS) ISO/IEC 27001:2013 for Majlis Bandaraya Petaling Jaya ISMS/Audit/Risk/ITP Technical Team, MPDT Capital Berhad - ISO 9001: 2015 - Consultancy, Construction, Project Rehabilitation, Desalination (first one in Malaysia to receive certification on trades such as Reverse Osmosis Seawater Desalination and Project Recovery/Rehabilitation)

* 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 :


TO SEE ALL ARTICLES

ON THE"LABEL" SECTION BELOW (RIGHT SIDE COLUMN), YOU CAN CLICK ON ANY TAG - TO READ ALL ARTICLES ACCORDING TO ITS CATEGORY (E.G. LABEL : CONSTRUCTION) OR GO TO THE VERY END OF THIS BLOG AND CLICK "Older Posts"


 

Showing posts with label EURO. Show all posts
Showing posts with label EURO. Show all posts

Saturday, July 14, 2012

INVESTMENT IN TURBULENT TIMES
(SJ Securities and European Credit Investment Bank Limited)
Bilik Kinabalu - Menara Hap Seng, Jalan P. Ramlee, Kuala Lumpur

- Quickie from Nik Zafri. Please sign up/'like' the 'Knowledge Management (FB) for more information.





Mr. Darren Tan, International Consultant on Precious Metal, Founder iBiz, 2010 recipient of Successful Entrepreneur (Platinum Catgory) & 2011 SME1 Asia Award (Emerging Award) representing European Credit Investment Bank Ltd.

Topic : Investing in Gold and Silver - also touching on investing opportunities - FOREX, Derivatives, Bonds, Futures etc. besides than latest outlook on Sub Prime Mortgage Crisis and Eurozone Crisis

This workshop is part of the Security Commission program to educate the public especially investors




Mr. Peter Lim, Dep. MD of SJ Securities - a very experienced and qualified investment guru
Topic : Investment in the Stock Market also touching on opportunities, capital and economics





My questions to the speakers are :

a) If the influx of foreign currency is too much to any country, is it good to consider pegging - as the pegged regime did provide a strong foundation for accumulating and improving the level of international reserve and balance of trade.

Mr. Peter Lim commented that it is possible to have some form of capital control measures if there is proof of too much influx.




My next question :

b) Why do world stock markets react and behave eratically towards Federal Reserve news, policy even rumours to hike interest rates?

Mr. Peter Lim (assisted by Darren Tan later) said that stock prices and even equity prices respond as they do to monetary policy or interest rates hike are really intriguing. Sometimes monetary policy affects stock values through its effects on real interest rates, expected future dividends, or expected future stock returns. It has something to do with relatively transitory movements in real interest rates induced by surprise policy actions. Mr. Peter Lim also said the scenario is related to inverse 'effects' usually providing the opposite performance to their benchmark.

(But he also stressed that I shouldn't be listening rumours too much)

c) The rest are questions during 'breaks' briefly about FOREX and painting 'rosy pictures' in the company stocks including opportunities of emerging markets. I really like the way Mr. Darren Tan said about how we do not want to loose and only targetting profit. I later told one of the investors that there is no business or accounting without Profit & Loss. There is no such thing as we give assurance to people that we're going to make lots and lots of profit with a warranty of no loss. The same goes to property/REIT, Forex, Stock Market, Gold, Silver etc. It's the balance between up-to-date information (the right source), right timing and the right stocks.

The best part is the conclusion - both Mr. Peter Lim and Darren splendidly prove one important point - you can still make money during 'ups' and 'downs' if you know how to.

Sunday, December 28, 2008

NIK ZAFRI'S (HUMBLE) ASIA/SEA ECONOMICAL FORECAST 2009

Many have forecasted that SEA will be the first to rebound from the current economic crisis by September, 2009.

On the other hand, what saddens me most is that some even forecasted that Asian economy will fall badly in 2009 - such a pathetic statement meant to discourage us.
In the past, we have been known for the reputation of outperforming the US and Europe due to the right planning and eventually become very immune to any credit crunch from the West.

Some countries are not even depending on IMF or World Bank in 1997-1998-remember? Even China has been too much underestimated (not that I disagree but too much 'smart' speculations..come on) by these 'so-called' economic forecasters.

I have always been known as a 'reverse psychological' person. I don't believe in 'too obvious bad news' being reported meant to lure the small investors away but giving great monetary advantages to speculators.

Based on these 'unfounded fears', I feel strongly that the Asian will be one of the key players in the world economy commencing from 2009.

But of course, I have a different theory (especially for Malaysia) - I think it's earlier than that...say April, 2009?

But, I share the agreement that it is likely going to be Singapore then probably followed by Malaysia. There have been a trend of banking and financial institutions in these two neighbouring countries offering new packages to GLCs and MNCs. These efforts would probably contribute to economy recovery in 2009. There has also been a higher demand for exports from Malaysia and Singapore based on the increased spending in the Euro and US.

The banking sectors in Japan are planning to buy securities, stocks and bonds (corporate) etc - and if these plan works, it will help stabilise their financial market. The Government has announce Japan's biggest ever annual budget Y12,000bn.

China however would still have to be put under alert - to grow or not to grow. Since China are trading with other SEA countries, their ability to export surplus stocks financed on credit should be monitored. New policies to boost consumption need to be drawn up to counter this possibility. I do know that China works very-very hard lately not to be bound to 'intelligent economic comments' e.g. decoupling - and I have every confident that they will succeed.

In Indonesia, the President announce the budget of USD200 billion ++ and a 6.2% growth is expected. However, they are not too sure about the outcome of issuance of Government bonds and probably there will be a budget deficit of nearly 2% GDP. Mainly taxes will play a role for the main revenue followed by non-tax sectors. There will also be about 102 trillion rupiah for fuel subsidy.

The only biggest dillema in Indonesia is corruption - if this is not being minimized, I do not think that they can reach the target that they are hoping for. While for the good part that Indonesia has done right is their achievement of regaining self-sufficiency in rice where the production has surpassed the country's rice consumption. This has made them better in terms of food situation and probably would take them out of the current global food crisis.

For Korea, they are not too ambitious; which I find a good thing to do - be cautious. While everyone is hoping and praying for a 2009 turnaround, Korea predicted a 3% growth and the focus is mainly creating new job opportunity. They have also cut taxes here and there.

Korean consumer price is estimated to stabilize to less than 4% and there may also be decreasing service deficitit and rising goods surplus - thus making 2009 account surplus to exceed USD10 billion. I personally think that Korea should now put an effort to minimize their dependency on IMF as what they have done before in 1997.

I will keep you all updated.

Tuesday, October 14, 2008

As you all have already known that the financial experts (or so called) have commenced their efforts to charter the implications of this year's credit crisis (esp. in the US) as a result of financial market turbulence. Not too long ago, everyone is aiming at the renaissance of China but with the current condition they are facing, it may potentially be a little while before their internal problems can be stabilized if not solved fully.

So, what can our world governments do? I humbly think that the financial market should be slowly integrated to become a global network or hub. Except for US, I've seen efforts via conferences and seminars towards implementing such plans. I'm also shocked to know the rate of countries retreating from Euro these days.

US on the other hand; if not properly controlled; may affect even to the security matters - just wait if New York started to feel the pinch and everything will start to lead to one problem to another. (esp. security matters) I do not know if US need to cut down on foreign assistance at the moment - but if this is the case, then the fiscal pinch may affect the amount of such aid. If I may say, I hope that New York can start efforts of working together with other financial hubs to become a network of global capitals. The only setback is the global political stability as whenever there are plans of more effective and beneficial integration, the political element has to be part and parcel of financial market. Of course, I don't need to tell how much US can save by less interfering in other countries internal affairs as what have been done in Africa, Iraq, Afghanistan and Pakistan. US Bush Administration has tried their best to save their economy but it is too sluggish - I hope they can crush their ego and restrategize - try to create a better relationships with other countries - they have tried too many models and these models just don't work...

We can no longer depend on IMF, World Bank (now almost irrelevant) and even the UN (they themselves are now in hot soup despite funded the US) but we have to do something NOW to create a healthier market - e.g. making more rooms for reserves. We know that UN's stand on Darfur, Georgia & Pakistan - total silence for unknown reason.

When I talk about integration or interdepence, I'm not really pointing towards globalization as it is still a concept of uncertainty that may become a friend or a foe. That is too much for a small guy like me to anticipate. Just referring to the good ol' concept working together as a team. This 'teamwork' may lead to good global financial governance will create better monetary policies, securities regulations and even signifcant changes can be made to auditing and accounting standards.

Where would be the ideal starting point? The answer is the first tier - Banking and Financial Institutions. I would like to open this suggestion to Asia (or SEA) as Asia is a very unique continent that has always found a way towards survival. (perhaps some democratization of financial policies should be in place) Most important is TRUST and coordinated efforts one another - as every bankers and financiers have all the knowledge. (Don't wait for someone else to start first) There should be no more too much dependency on certain elite groups or industries that are 'controlling the financial world' and we have seen the impact when these 'big mega industries' started to fall. (NASTY!)

Again, my 2 sens worth!