Muflis? AKPK? Insolvensi? adalah antara perkataan yang paling ditakuti oleh pendengarnya. Ramai si muflis yang mengalami depresi, masalah rumahtangga, rasa hilang harga diri, sukar mendapat kerja, gagal membuka akaun, gagal ke luar negara, tidak dapat mengeluarkan duit ASNB dan lain-lain.
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BIODATA - NIK ZAFRI

https://nikzafri.wixstudio.com/nikzafriv2
Kelantanese, Alumni of Sultan Ismail College Kelantan (SICA), Business Management/Administration, 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/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/Technical Experts for leading consulting firms (local and international), certification bodies including project management. To name a few – Noma SWO Consult, Amiosh Resources, Timur West Consultant Sdn. Bhd., TIJ Consultants Group (Malaysia and Singapore), QHSEL Consultancy Sdn. Bhd.
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), ABAC Centre of Excellence UK (ABMS ISO 37001) Joint Assessment (Technical Expert)
* 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 :
Wednesday, May 15, 2024
Anda Muflis? Sedikit nasihat pada rakan-rakan. (Hard Talk)
Saturday, May 11, 2024
READY TO GET A LOAN OR FINANCE FROM BANKING AND FINANCIAL INSTITUTIONS?
Getting a loan or financing from banking and financial institutions can indeed be challenging, especially if you're a small business or an individual with less-than-ideal credit history. Yes, there are many reasons why it can be difficult and some tips on how to improve your chances of getting attention from lenders. Here's a simple checklist.
1. Creditworthiness
Many may not be aware that banks and financial institutions in Malaysia nowadays will assess your creditworthiness before approving a loan. If you have a poor credit score or limited credit history, it can be harder to secure financing. The following might be strange to some but believe me they are related in improving your creditworthiness.
a) work on paying bills on time - try not to get blacklisted anywhere,
b) reducing outstanding debt - loans - automobile, office equipment, personal, housing etc.
Sometimes credit report may not be up-to-date, thus you may want to take extra effort to correct any errors or non-updated information.
2. Income and Stability
Lenders want assurance that you'll be able to repay the loan. If you have irregular income or unstable employment, it can raise concerns for lenders. Providing proof of steady income and employment history can help mitigate these concerns. Should you have any other sources of income apart from your regular salary or from your business, it may help.
3. Collateral
Many loans require collateral, such as real estate or valuable assets, to secure the loan. If you lack sufficient collateral, it can make it harder to qualify for certain types of financing. Consider building up assets that you can use as collateral or exploring alternatives such as unsecured personal loans.
4. Business Plan
If you're seeking financing for a business, having a well-thought-out business plan can make a big difference. A comprehensive business plan demonstrates to lenders that you have a clear vision for your business and a strategy for achieving success. Make sure to include financial projections, market analysis, and information about your management team.
Full sets of projected accounts must display a certain logical business flow, viability, feasibility etc.
If necessary include gearing ratio. (Financial ratio that compares some form of capital or owner equity to funds borrowed by the company) Gearing is a measurement of a company's financial leverage. As such, the gearing ratio is one of the most popular methods of evaluating a company's financial fitness.
5. Relationship with the Lender
Building a relationship with a lender can improve your chances of getting attention when applying for a loan. Consider establishing a relationship with a bank or credit union where you regularly conduct your financial transactions. Meeting with a loan officer in person can also help personalize the process and showcase your commitment.
6. Shop Around
Don't limit yourself to just one lender. Shop around and compare loan offers from multiple banks and financial institutions. Each lender may have different criteria and terms, so exploring your options can increase your chances of finding a suitable loan.
7. Prepare Documentation
Be prepared to provide all necessary documentation requested by the lender. This may include proof of income, tax returns, bank statements, business financials, and personal identification. Having all your documentation in order can streamline the application process and demonstrate your readiness.
8. Improve Financial Health
Take steps to improve your overall financial health. This can include reducing debt, increasing savings, and improving your credit score. Lenders are more likely to extend credit to individuals and businesses with strong financial profiles.
By addressing the abovementioned factors and presenting yourself as a reliable borrower, your chances may increase in getting attention from lenders and securing the financing you need.
Good luck
Tuesday, April 30, 2024
HEATSTROKE AT WORK - by Nik Zafri
#Heatstroke is a severe heat-related illness that occurs when the body's temperature regulation system fails due to prolonged exposure to high temperatures and humidity. It's a medical emergency and can be life-threatening if not treated promptly.
I fully support NIOSH Malaysia initiative and recommendations on the need to address the issue more seriously.
Workers who are exposed to extreme heat or work in hot environments may be at risk. Exposure to extreme heat can result in occupational illnesses and injuries. Heat stress can result in heat stroke, heat exhaustion, heat cramps, or heat rashes. Heat can also increase the risk of injuries in workers as it may result in sweaty palms, fogged-up safety glasses, and dizziness. Burns may also occur as a result of accidental contact with hot surfaces or steam.
Workers at risk of heat stress include outdoor workers and workers in hot environments such as firefighters, bakery workers, farmers, construction workers, miners, boiler room workers, factory workers, and others.
Workers at greater risk of heat stress include those who are 65 years of age or older, are overweight, have heart disease or high blood pressure, or take medications that may be affected by extreme heat.
(CDC/NIOSH US)
Prevention of heat stress in workers is important. Employers should provide training to workers so they understand what heat stress is, how it affects their health and safety, and how it can be prevented.
In Malaysia - 2 deaths among 45 heatstroke cases reported 2024, says Director General of Health Malaysia. This trend is should raise enough redflags that the issue of heatstroke must be prevented and recognized as an occupational safety and health problem.
In the construction industry, I encourage fully that clients, consultants and contractors to include heatstress and heatstroke as part of the Occupational Safety and Health and Environment Plans or part and parcel of contract requirements, Job Safety/Hazard Analysis, Risk Assessment and Method Statements.
A) ROOT CAUSES
There are several factors can contribute to heatstroke in occupational settings :
1) High Temperatures
Working in environments with high temperatures, especially in industries like construction, agriculture, and manufacturing, can increase the risk of heatstroke.
2) High Humidity
High humidity reduces the body's ability to cool itself through sweating, leading to increased risk of heat-related illnesses.
3) Physical Exertion
Strenuous physical activity without adequate breaks and hydration can lead to heatstroke, as the body generates more heat and requires more cooling.
4) Lack of Hydration
Not drinking enough fluids, particularly water, can lead to dehydration, making it harder for the body to regulate its temperature.
The impact of heatstroke can be severe and even fatal if not treated promptly. Symptoms include high body temperature (above 104°F or 40°C), altered mental state or behaviour, nausea and vomiting, flushed skin, rapid breathing, and a rapid heartbeat. Without intervention, heatstroke can lead to damage to the brain, heart, kidneys, and muscles, and it can ultimately result in death.
B) PREVENTION
To reduce the risk of heatstroke in occupational settings, employers and workers can take several preventive measures :
1) Provide Adequate Training
Educate workers about the signs and symptoms of heat-related illnesses, including heatstroke, and train them on preventive measures.
2) Modify Work Practices
Schedule strenuous tasks for cooler times of the day, if possible, and provide frequent breaks in shaded or air-conditioned areas.
3) Hydration
Encourage workers to drink plenty of water throughout the day, even if they don't feel thirsty, and provide easy access to water sources.
4) Provide Shade and Ventilation
Ensure that workers have access to shaded areas or air-conditioned spaces where they can take breaks to cool down.
5) Use Personal Protective Equipment (PPE)
Lightweight, breathable clothing can help workers stay cool, and wearing hats with wide brims can provide protection from the sun.
6) Monitor Workers
Supervisors should regularly monitor workers for signs of heat-related illnesses and encourage them to take breaks as needed.
7) Emergency Response Plan
Have a plan in place for responding to heat-related emergencies, including heatstroke, and ensure that all workers know what to do in case of an emergency.
8) Job Safety Analysis
A job safety analysis (JSA) is a great hazard assessment that can be beneficial to mitigating heat stress. Heat conditions can change rapidly and management commitment to adjusting heat stress controls is critical to prevent heat illness. An individual at the job site should be responsible for monitoring conditions and implementing the employer's heat plan throughout the workday. This individual can be anyone with the proper training, which includes knowing how to
- identify and control heat hazards;
- recognize early symptoms of heat stress;
- administer first aid for heat-related illnesses; and
- activate emergency medical services quickly when needed.
(JSABuilder)
By implementing these measures, employers can help reduce the risk of heatstroke and create safer working environments for their employees.
INITIATIVE AT GLOBAL SCALE
Control of Heatstress and Heatstrokes at work are also related generically to Sustainable Development Goals and for companies practicing proper control, assessment, having the necessary documentation should be given incentives. tax reliefs or any other benefits. These perks should also be extended should the control covers the surroundings such as the community as part of their social responsibility program.