Quran Explorer - Interactive Audio Recitations & Translations
By Sherry Koh | May 27, 2010
Retire in five years by having RM3 million in good property loans

Property millionaire: "Are you mentally, emotionally and financially ready when a good property investment deal come along?" asks Milan Doshi
Remember this name. Doshi.... Milan Doshi. He’s the savvy investor who made his millions through property and stock market. With many investment strategies and effective money management at his disposal, he is indeed a go-to figure in the world of making and managing money.

Doshi, 47, graduated with a Degree in Economics in the late 80s and worked as a physical commodities trader for five years in Singapore. His purchased his first property, a HDB flat in Singapore, in year 1993. Fast forward to this year, he purchased four properties worth a total of RM6.4 million in the first three months.

StarProperty.my met up with the down-to-earth millionaire property guru at his office in Kuala Lumpur and learnt about the importance of being emotionally, mentally and financially prepared when a good investment deal comes along. Doshi also talked about getting the best out of properties and explains why investing in stock market and properties can complement one another. Read on to find out if you have what it takes to be a property magnet.

When did you start investing?
I bought my first property in 1993. It was a HDB flat in Singapore. I was about 30 years old. At that time, things were different. Singaporean males graduate about 24 to 25 years old after completing two and a half year of national service. After working for about five years, I got married and bought my own house. That was purely for my own use, not for investment.

And that was how I started. In January 1994, I moved to KL. And some time in the middle of that year I bought two properties. One was an apartment and one was a double storey house. At that time, the market was good. These were the first two that were for serious investment. The first one
I bought (apartment), the yield was 12%, so it was a no-brainer - just buy. Instead of buying our own home, we decided to continue staying in a rented apartment as we had no children and at that point, we could not decide where to sink our roots in KL.

Do you still have that unit?
Yes, I do. It is still rented out. The double storey link house that we bought in Bangsar for RM560,000 was meant for us to stay in the future, as majority of my community and relatives live there. At that time, we saw the prices of landed houses in Bangsar going up by RM50,000 to RM100,000 every year. Since Bangsar was our first choice to settled down in the future, why not buy to lock it in.

Did you eventually stay at that double storey house in Bangsar?
Until today, that house is rented out. It is quite a basic house. So quite a bit of renovation needs to be done. One of the things that I don’t have the time nor interest is renovation. So, what happened in January last year was that I came across a nice double storey house in Bangsar which was fully renovated. So I decided to buy it.

Which was the apartment that you referred to earlier?
Palm Court in Brickfields. Until today, I still have it. I bought it in 1993 for RM160,000 and rental was RM1,600. So it’s quite good. Now, the rental is RM1,500. I think the market value is about RM240,000. When you look at it, the price have gone up, but not that much.

What sort of business do you have?
We made our money from the stock broking business. The problem in this, as in many other businesses, is that there are a lot of ups and downs in terms of monthly income. Hence, property is quite a good way to support (the business). At least every month we have rental income. So that brings some stability to our monthly income.

Your apartment had a 12% yield then. At the moment, isn’t it difficult to achieve, say an 8% yield?
While the yield back in 1994 may seem fabulous at 12% per annum, bear in mind that our interest costs on our term loan was pegged at BLR +1%. If I am not mistaken, the BLR at that time was around seven to eight percent per annum.

Today, it's easy to get eight percent or higher yields in low to medium cost apartments. Further, bank's interest rate today is around four percent per annum (BLR -1.8%). Hence the spreads (i.e. yields - interest costs) is still as attractive as way back in 1994.

The 8% is calculated based on selling price?
For example in Shah Alam, (you) can easily get apartment rental for RM550. Say if you buy (the apartment) for RM70,000 you can get 9.4% [(RM550 x 12 / RM70,000) x 100%]. But for those sorts of properties, you are buying purely for rental, because they don’t go up in value.

What does your property investment portfolio consists of?
In the last five years, I shifted more to commercial. Right now, my portfolio is probably 70% commercial and 30% residential.

Do you focus on a specific area?
For residential, I focus on areas that I am familiar with, which is Bangsar, Brickfields, KL city centre and Ampang. These are places I go to quite often. So I know the areas very well. For commercial, I focus mainly on (Berjaya) Times Square. I have seven retail (shops) in Berjaya Times Square. For commercial, because sometimes there is a limited number of units, we have to spread our wings. I have bought shops in Masjid India and Old Klang Road. Wherever the good deals are, we look at it. For commercial, I don’t restrict myself. If it makes sense, I buy.

Internet was probably at its infancy stage when you started investing. How did you go about acquiring knowledge?
Back then in 1993 or 1994, there was no Internet, no property investment books, no seminars and no mentors. So how do you buy? Just follow the crowd. You read the newspaper. Everyone buy, you also start looking. So of course, you ask friends for advise and talk to real estate agents. So you try to get as much information as you can. Whether those are reliable sources, you don’t know. So I had to go on my gut feeling on many occasions.

Did your gut feeling lead you to any mistakes?
So far, I think I am quite blessed. I have not made any major mistakes. Any mistakes I made, as long as it is rented out, it is okay. So far, I am not caught with a vacant property except for one, which is newly completed. So if a property is vacant for one year, it is quite common. I think one of the earliest and most painful mistakes I made was with one of my HDB flats in Singapore. I bought the first one, a four-room HDB flat in 1993. I sold that one and bought a bigger five-room HDB flat apartment in 1994. And I think that I actually bought during the peak. My wife was telling me not to get carried away. But at that time, I a bit gung-ho. As a result, I went from positive to negative cashflow for the next 10 years. Luckily, today the rental and prices have both moved up.

As long as you buy in good locations and can rent it out, any mistakes that you make, as far as buying at a high price, will eventually be corrected.

You held on to all your purchases?
I prefer to buy and keep forever. I am not a flipper (buy-to-sell) like many people.When you sell, you have to look for another investment. That takes a bit of time and effort. Also, there are substantial costs involved at both the buyng and selling stages. In order to save on that, I’d rather be very choosy, whereby when I buy, I buy with the intention to keep for at least the next 10, 15 or 20 years. So I buy with the intention to hold for a long period of time.


How much is your portfolio worth?
No idea. Never really sat down to calculate. To me, the monthly cashflow and your net worth is more important than the combined value of your properties.

What about your rental income?
The positive figure is about RM15,000 to RM20,000 per month.

How long did it take to achieve that passive income? Was it achieved within the first five years?
Frankly, the RM15,000 to RM20,000 only happened in the last five years. Before that, it was less than RM5,000 a month. The real big jump only happened in the last five years. That’s the time I seriously went into commercial properties. Residential properties can give you financial independence, but if you want to be financially free, you have to someday venture into commercial properties.

So commercial properties are the way to go?
Apparently, the big money is in commercial. For example, I bought the double storey link house in Bangsar in 1994 for RM560,000. Today, that house is probably worth RM1.1 million. (It took) 16 years to double. That is still okay. Luckily, that property is paid for. Otherwise, I will be running a negative cashflow (for that investment) because the rental is not enough to pay the loan. So even though (the value) doubled, in actual fact, you don’t know if you made.

Whereas in commercial properties, my rentals and property value has close to double in three plus years. Of course, the location and your timing have to be right.

Let’s talk about your workshops. How many do you conduct per year?
This year, the plan is to do four full programmes which are 3-day long each. But in order to run four full programmes, I need to do a lot of previews of our workshops. That’s why you have been seeing quite a lot of me in the market [laughs].

How would someone benefit from your seminar? What do you usually teach?
My seminar is comprehensive and holistic as I cover money management, property and stock investment and how to leverage properties for stocks and vice versa. I actually spend one whole day on personal money management because a lot of people are managing their money wrongly. A lot of it is due to wrong mindset or wrong investment made in the past. If these people try going into properties without correcting any of their past mistakes, they are not going to do well. They are not going to optimise or get the best out of properties. For me, that is quite important, and that’s why I spend one whole day just on pure money management. I don’t even talk about properties. Are you managing your money correctly? A lot of people don't even realise that they have big holes in their pockets.

What are these “holes”?
For example, credit cards, wrong type of loans, too many car loans.

So, basically debts...
Yes, mainly debts. Sometimes, even the mindset is all wrong. It’s only the second day that I actually go into properties. Because, you see, a lot of people just want to learn about properties. But if you have not learnt the money management part and you might have lots of wrong investments out there, what’s the point. You are not going to go far in life.

So, one full day on money management. What about the second and third day?
First day on money management and second day on property investment. The third day is spent on property negotiation and I also talk about stock market for about two hours. For the stock market, there are many different strategies. I teach three basic "no-brainer" strategies. No need for fundamental and technical analysis. All that is needed is common sense. Because of increased volatility today, the stock market will give you, at a minimum, two to three opportunities per year, where you can make 10 to 15% in six months or less. So why not learn it? And all you need is plain common sense.

Quran Explorer - Interactive Audio Recitations & Translations



Apples

Protects your heart
prevents constipation
Blocks diarrhea
Improves lung capacity
Cushions joints

Apricots

Combats cancer
Controls blood pressure
Saves your eyesight
Shields against Alzheimer's
Slows aging process
Artichokes
Aids digestion
Lowers cholesterol
Protects your heart
Stabilizes blood sugar
Guards against liver disease

Avocados

Battles diabetes
Lowers cholesterol
Helps stops strokes
Controls blood pressure
Smoothes skin

Bananas
Protects your heart
Quiets a cough
Strengthens bones
Controls blood pressure
Blocks diarrhea

Beans

Prevents constipation
Helps hemorrhoids
Lowers cholesterol
Combats cancer
Stabilizes blood sugar

Beets

Controls blood pressure
Combats cancer
Strengthens bones
Protects your heart
Aids weight loss

Blueberries

Combats cancer
Protects your heart
Stabilizes blood sugar
Boosts memory
Prevents constipation

Broccoli

Strengthens bones
Saves eyesight
Combats cancer
Protects your heart
Controls blood pressure

Cabbage

Combats cancer
Prevents constipation
Promotes weight loss
Protects your heart
Helps hemorrhoids

Cantaloupe

Saves eyesight
Controls blood pressure
Lowers cholesterol
Combats cancer
Supports immune system

Carrots

Saves eyesight
Protects your heart
Prevents constipation
Combats cancer
Promotes weight loss

Cauliflower

Protects against Prostate Cancer
Combats Breast Cancer
Strengthens bones
Banishes bruises
Guards against heart disease

Cherries

Protects your heart
Combats Cancer
Ends insomnia
Slows aging process
Shields against Alzheimer's

Chestnuts

Promotes weight loss
Protects your heart
Lowers cholesterol
Combats Cancer
Controls blood pressure

Chili peppers

Aids digestion
Soothes sore throat
Clears sinuses
Combats Cancer
Boosts immune system

Figs

Promotes weight loss
Helps stops strokes
Lowers cholesterol
Combats Cancer
Controls blood pressure

Fish

Protects your heart
Boosts memory
Protects your heart
Combats Cancer
Supports immune system

Flax

Aids digestion
Battles diabetes
Protects your heart
Improves mental health
Boosts immune system

Garlic

Lowers cholesterol
Controls blood pressure
Combats cancer
kills bacteria
Fights fungus

Grapefruit

Protects against heart attacks
Promotes Weight loss
Helps stops strokes
Combats Prostate Cancer
Lowers cholesterol

Grapes

saves eyesight
Conquers kidney stones
Combats cancer
Enhances blood flow
Protects your heart

Green tea

Combats cancer
Protects your heart
Helps stops strokes
Promotes Weight loss
Kills bacteria

Honey

Heals wounds
Aids digestion
Guards against ulcers
Increases energy
Fights allergies

Lemons

Combats cancer
Protects your heart
Controls blood pressure
Smoothes skin
Stops scurvy

Limes

Combats cancer
Protects your heart
Controls blood pressure
Smoothes skin
Stops scurvy

Mangoes

Combats cancer
Boosts memory
Regulates thyroid
aids digestion
Shields against Alzheimer's

Mushrooms

Controls blood pressure
Lowers cholesterol
Kills bacteria
Combats cancer
Strengthens bones

Oats

Lowers cholesterol
Combats cancer
Battles diabetes
prevents constipation
Smoothes skin

Olive oil

Protects your heart
Promotes Weight loss
Combats cancer
Battles diabetes
Smoothes skin

Onions

Reduce risk of heart attack
Combats cancer
Kills bacteria
Lowers cholesterol
Fights fungus

Oranges

Supports immune systems
Combats cancer
Protects your heart
Straightens respiration

Peaches

prevents constipation
Combats cancer
Helps stops strokes
aids digestion
Helps hemorrhoids

Peanuts

Protects against heart disease
Promotes Weight loss
Combats Prostate Cancer
Lowers cholesterol
Aggravates
Diverticulitis

Pineapple

Strengthens bones
Relieves colds
Aids digestion
Dissolves warts
Blocks diarrhea

Prunes

Slows aging process
prevents constipation
boosts memory
Lowers cholesterol
Protects against heart disease

Rice

Protects your heart
Battles diabetes
Conquers kidney stones
Combats cancer
Helps stops strokes

Strawberries

Combats cancer
Protects your heart
boosts memory
Calms stress

Sweet potatoes

Saves your eyesight
Lifts mood
Combats cancer
Strengthens bones


Tomatoes

Protects prostate
Combats cancer
Lowers cholesterol
Protects your heart

Walnuts

Lowers cholesterol
Combats cancer
boosts memory
Lifts mood
Protects against heart disease

Water

Promotes Weight loss
Combats cancer
Conquers kidney stones
Smoothes skin


Watermelon

Protects prostate
Promotes Weight loss
Lowers cholesterol
Helps stops strokes
Controls blood pressure

Wheat germ

Combats Colon Cancer
prevents constipation
Lowers cholesterol
Helps stops strokes
improves digestion

Wheat bran

Combats Colon Cancer
prevents constipation
Lowers cholesterol
Helps stops strokes
improves digestion

Yogurt

Guards against ulcers
Strengthens bones
Lowers cholesterol
Supports immune systems
Aids digestion

Allah create Fruit/Vegetable relation with human body

Quran Explorer - Interactive Audio Recitations & Translations


Something to digest…..

A sliced Carrot looks like the human eye. The pupil, iris and radiating lines look just like the human eye... and YES, science now shows carrots greatly enhance blood flow to and function of the eyes.
A Tomato has four chambers and is red. The heart has four chambers and is red. All of the research shows tomatoes are loaded with lycopine and are indeed pure heart and blood food.
Grapes hang in a cluster that has the shape of the heart. Each grape looks like a blood cell and all of the research today shows grapes are also profound heart and blood vitalizing food.
A Walnut looks like a little brain, a left and right hemisphere, upper cerebrums and lower cerebellums. Even the wrinkles or folds on the nut are just like the neo-cortex. We now know walnuts help develop more than three (3) dozen neuron-transmitters for brain function.
Kidney Beans actually heal and help maintain kidney function and yes, they look exactly like the human kidneys.
Celery, Bok Choy, Rhubarb and many more look just like bones. These foods specifically target bone strength. Bones are 23% sodium and these foods are 23% sodium. If you don't have enough sodium in your diet, the body pulls it from the bones, thus making them weak. These foods replenish the skeletal needs of the body.
Avocadoes, Eggplant and Pears target the health and function of the womb and cervix of the female - they look just like these organs. Today's research shows that when a woman eats one avocado a week, it balances hormones, sheds unwanted birth weight, and prevents cervical cancers. And how profound is this? It takes exactly nine (9) months to grow an avocado from blossom to ripened fruit. There are over 14,000 photolytic chemical constituents of nutrition in each one of these foods (modern science has only studied and named about 141 of them).
Figs are full of seeds and hang in twos when they grow. Figs increase the mobility of male sperm and increase the numbers of Sperm as well to overcome male sterility.
Sweet Potatoes look like the pancreas and actually balance the glycemic index of diabetics.
Olives assist the health and function of the ovaries Oranges, Grapefruits, and other Citrus fruits look just like the mammary glands of the female and actually assist the health of the breasts and the movement of lymph in and out of the breasts.
Onions look like the body's cells. Today's research shows onions help clear waste materials from all of the body cells. They even produce tears which wash the epithelial layers of the eyes. A working companion, Garlic, also helps eliminate waste materials and dangerous free radicals from the body.

Makan....Makan.....

Quran Explorer - Interactive Audio Recitations & Translations


Bina Peribadi Waktu Makan

Pakar motivasi bebas Ustaz Sobri Abd. Rani menyarankan agar ibu bapa menjadikan waktu makan sekeluarga sebagai waktu untuk membetulkan kehidupan atau membina peribadi anak-anak. Kerana waktu makan adalah program bersahaja yang besar impaknya dalam hidup. Antara didikan yang boleh diterapkan kepada anak-anak pada waktu makan:

1. Tunggu orang yang paling tua


"Kalau ada ayah, suapan pertama hendaklah dimulakan oleh ayah. Kalau tidak ada ayah, emak dulu. Rahsia di sebaliknya, bila dikekalkan
begitu selama tiga bulan, akan tumbuh di hati anak rasa hormat
kepada yang lebih tua walaupun di luar pandangan kita. Jadi kalau
kita hendak tahu macam mana anak kita di luar pandangan kita, tengok
waktu makan."


2. Baca bismalah dan guna tangan kanan


" Anak kita tidak akan sanggup untuk memasukkan makanan ke mulut atau memegang sesuatu yang bukan haknya. Yang biasa dia ambil masuk ke mulut dengan nama Allah dan biasa memegang yang halal dengan tangan kanan. Melalui amalan yang mudah ini, roh kita dimonitor oleh syariat. Amalan ini tak perlu pada tenaga dan wang ringgit yang banyak tapi perlu pada kesabaran dan istiqamah."


3. Ambil lauk terdekat dulu


"Bagi cubitan lauk yang pertama, ambil yang paling dekat. Kenapa?
Melatih sabar. Kali kedua jika hendak ambil yang jauh tak mengapa,
itu dikira usaha ikhtiar untuk dapat yang lebih baik. Ia mempengaruhi corak kehidupan dan corak kita bekerja.

"Kalau ayah atau ibu hendak membina sifat penyayang, ambil lauk yang pertama letak di pinggan anak. Memang anak akan rasa lain. Kalau dia tak mahu lauk itu tak mengapa tapi kita memberi tu yang mustahak. Kalau kita buat macam itu, dia juga akan jadi macam itu pada orang lain. Kita sudah bina masyarakat penyayang di dalam rumah kita.. Malah untuk latih anak cinta pada saudaranya yang lain, itulah waktunya.."

4. Kawal suapan


"Bila ambil makanan untuk suap ke mulut, jangan diangkat suapan
seterusnya selagi di dalam mulut itu belum ditelan. Sesudah ditelan,
baru angkat suapan seterusnya masuk ke mulut. Untuk apa? Melatih
jangan tamak dan bersifat qanaah ? mencukupi apa yang ada.. Atau
lebih tepat, melatih syukur terhadap apa yang Allah kurniakan."
Ustaz Sobri berkata, "Perkara ini kalau dilatih betul-betul, ia akan menumbuhkan sifat-sifat mulia di dalam diri. Sebab makan adalah
perkara yang kita benar-benar buat dengan hati, sebab itu ia
mempengaruhi roh."

PROGRAM USAHAWAN CIPTA USAHAWAN: PELUANG PERNIAGAAN UNTUK SISWAZAH

Quran Explorer - Interactive Audio Recitations & Translations

Pembentangan Syarikat Induk Edu-World Sdn Bhd Pembentangan disampaikan oleh En. Habib Bin Imbichi selaku Pengarah Urusan. Pembentangan beliau lebih kepada perkongsian pengalaman mengenai dunia keusahawanan. Dunia keusahawanan beliau bermula pada awal 80 an dengan berteraskan perniagaan memasarkan peralatan bantuan mengajar dari luar negara ke IPTA. Walau bagaimanapun, kejatuhan ekonomi pada 1997 telah memberi impak yang besar kepada perniagaan sehinggakan beliau menukar skop perniagaan ke dalam bidang perabot. Beliau mula mendapatkan projek tender ke sekolah awam dan antarabangsa bagi membekalkan perabot sekolah. Selain itu, syarikat beliau juga menghasilkan perabot untuk kegunaan isi rumah. Bidang perabot mencatatkan 8.5 Billion USD eksport daripada jumlah industri kayu kayan yang sebayak 20 Billion USD. Potensi dalam bidang perabot amat besar terutamanya perabot Malaysia adalah salah satu mutu yang dikagumi di seluruh dunia.

Minum Pagi

Sireh Emas Marketing Sdn Bhd Pembentangan dimulakan dengan data statistik yang menunjukkan potensi besar dalam bidang kosmetik. Pada 2001, sejumlah 23 K produk kosmetik yang ada di Malaysia, hanya 3 K sahaja yang terdiri daripada produk tempatan. Dari jumlah tersebut, produk Bumiputera hanya mencatatkan 1 % sahaja dan majoriti daripada pebgeluarnya terdiri daripada individu yang tidak mempunyai pengetahuan dari segi saintifik tentang kesan jangka masa panjang penggunaan bahan kimia. Atas dasar tersebut, Sireh Emas telah mengambil seruan untuk menghasilkan produk kosmetik tempatan dengan berasaskan bahan asli tempatan yang dijamin dan diuji keberkesanan dan keselamatannya. Ekstrak sireh telah dijadikan ramuan asas untuk produk Xanswhite. Selain produk, Sireh Emas juga telah melebarkan perniagaan dengan mewujudkan Spa dan Beauty Salon. Sesiapa yang berhasrat untuk menceburi bidang kecantikan boleh menjadikan Sireh Emas sebagai mentor dalam merealisasikan impian menjadi usahawan yang berjaya.

Sierra Circle Sdn Bhd Sierra Circle berasaskan perniagaan makanan yang hanya dipasarkan di Prestige Shopping Mall seperti KLCC dan Pavillion. Objektifnya untuk memromosikan Malaysian Halal authentic homecook. Maka. Tertubuhlah Laksa Shake dan francaisnya di pusat membeli belah terkenal sebagai sahutan mewujudkan golongan usahawan Bumiputera di kawasan ini. Setakat ini, Laksa Shake mempunyai 6 francais dan 2 lagi francais bakal diwujudkan sehingga akhir tahun.

Gaya Warisan Collection Berasakan kepada perniagaan batik yang dimulakan di Medan MARA dan kini berkembang di Jalan Tuaku Abdul Rahman dan Kelantan serta mempunyai sebuah kilang memproses batik. Sesiapa yang berminat untuk menjadi usahawan boleh memilih antara 3 pakej perniagaaan iaitu: a. Pakej 1 Modal RM 100 000 b. Pakej 2 Modal RM 50 000 c. Pakej 3 Modal RM 30 000 Strategi pemasaran termasuklah: Jualan Murah Pamplete dan brochure Jualan Luar Pesta Batik Promosi Upah Jahit Pemantauan: Latihan tentang produk jualan dan fesyen Latihan Keusahawanan Perbincangan masalah Lawatan ke pusat jualan

Halalgel Distributor Sdn Bhd Perniagaan berdasarkan keperluan masyarakat Islam untuk mendapatkan produk gelatin halal dan taiibah. Gelatin adalah produk utama dalam pembuatan makanan dan ubatan yang diperbuat daripada tulang. Keraguan tentang halal timbul kerana wujudnya penggunaan tulang khinzir secara meluas bagi menghasilkan gelatin. Konsep Halalgel Distributor adalah mewujudkan usahawan yang bertindak sebagai pengedar bagi produk ini. Terdapat 2 jenis pengedaran iaitu Single Level Marketing dan peruncitan. Setiap mentee akan dilatih dari segi : Pengurusan Pelanggan Pengurusan Jualan Pengurusan Kredit Pengurusan Stok Pemasaran Produk

Iwani (Ultra Sepadu Sdn Bhd) Berasaskan kepada perniagaan makanan frozen food yang menjurus kepada produk makanan masyarakat Cina disebabkan kekurangan produk halal Cina dan kecenderungan masyarakat menikmati makanan Cina seperti Yong Tau Fu, wantan, dan sebagainya. Peluang peruncitan Produk Iwani berdasarkan pembukaan stokis dan kiosk. a. Pakej Stokis (Sejuk Beku) RM 5 K b. Pakej Stokis (Bermasak) RM 10 K c. Pakej Kiosk RM 20 K d. Pakej Kiosk/ Stokis RM 30 K Iwani juga menganjurkan Kursus Memproses Makanan Halal yang dikenakan bayaran RM 250 dan dijalankan pada hari Ahad sahaja.

Makan Tengahari

Kemudahan Pembiayaan dan Pembangunan Usahawan SME Bank Taklimat adalah berkenaan Program Tabung Usahawan Siswazah yang diperuntukkan oleh kerajaan melalui SME Bank. Objektif: Menggalakkan siswazah menjadi usahawan, menjadikan keusahawanan sebagai kerjaya pilihan, dan mengurangkan kebergantungan untuk makan gaji. Peruntukan akan diberikan untuk membeli harta tetap perniagaan seperti mesin, alat pejabat, deposit dan membiaya keperluan modal kerja perniagaan. Had pinjaman minima adalah RM 20 K dan maksima RM 250 K. Peminjam perlu menyumbang 10 % daripada kos projek. Kadar keuntungan 4 % setahun dari baki bulanan. Sebarang jenis perniagaan boleh menggunakan tabung samada perseorangan, perkongsian mahupun sendirian berhad. Walau bagaimanapun, dalam apa jua konteks, siswazah perlu menjadi pemegang saham majoriti. Selain itu, syarat asas pemohon adalah: Berdaftar dan mengikuti latihan keusahawanan MECD Mengusahakan perniagaan sepenuh masa Umur tidak melebihi 35 tahun semasa berdaftar dengan MECD Secara ringkasnya, seseorang siswazah yang berminat perlu: Hadir Latihan Siapkan Rancangan Perniagaan Tapisan MeCD Penilaian SME Bank Surata Tawaran Dikeluarkan Dokumentasi Perniagaan Pengeluaran Wang TUS Perniagaan Mula Beroperasi

Business Matching 1. SME Bank Bahagian Tabung Usahawan Tn. Haji Jalal: 019-3252735 (Tel. Bimbit) 03-26913231 (Pejabat) 2. 2. Halalgel Distributor Sdn Bhd 3. halagelkl@halagel.com 4. 03-78453175/ 4175 3. Sierra Circle Sdn Bhd 03-3172765 4. Ultra Sepadu ( Iwani) Sdn Bhd En Mohammad Hj Othman : 03-61851800 (Pej) 5. Sireh Emas Sdn Bhd 03- 33543261 6. Gaya Warisan Collection gayawarisan@yahoo.co.uk 03-26915913

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Quran Explorer - Interactive Audio Recitations & Translations

WORM MILLIONAIRE!

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KAMARUZAMAN Dahlan, 54, had been breeding worms on his 0.8 –hectare plot of land in Tanjung Darat, Banting,Selangor for the past six years.He decided to go into worm breeding as he found difficulty sourcing for halal organic compost for his organic vegetable plot.

A former quality control manager with a Japanese firm, Kamaruzaman invested RM100,000 on his farm. When he started, the worms were imported from Australia and Indonesia.

He is able to breed a tonne of worms monthly, which produces 40 tonnes of orgamic fertiliser in pellet, powdered and liquid form daily for the local market.
He also produces organic fish and poultry meal from the castings.

Kamaruzaman, who runs ParkMan Agro, has exported the fertilizers to Japan as well as Korea.

Organic fertilizers, he says, has at least 17 nutrients, compared to only three in urea fertilizers.

Although it may cost slightly more, in the run, it is more economical than urea fertilizer.

Padi farmers in Sungei Sireh (close to Sekincan) have reported higher yields after using the organic fertilizer.

If they were only producing about 7 tonnes per hectare, their yields have risen to 10 tonnes of padi per hectare.

He hopes to set up a fertiliser manufacturing plant in the near future, but this would require an enormous amount of worms.

He is currently not only supplying worms to AZR Agro Centre in Olak Lempit, Banting(which is currently breeding worms on a commercial scale), but also to the Selangor Agriculture Department.

AZR Agro Centre, which has been breeding worms commercially for more than a year, says the worms are bred as livestock as well as for the castings which are made into

organic fertilizers. Plans are also afoot to produce poultry feed.

Company managing director Azlinda Ros Abdul Aziz says that they too had to initially import the worms from Bandung, Indonesia. They had invested RM50,000 on the less than a hectare of land to breed the worms in 30 boxes, stacked like double-decker beds.

Azlinda , who is a USM graduate in Environmental Biology, says studies show that worms are 80% a better source of protein than soya bean.

In developed countries, proteins sourced from worms have been manufactured into protein tablets and in instances , form part of the diet. Powdered worm protein are used in skin care as well as pharmaceutical products.

There are four types of worms locally available: the red worms ,tiger worm, blue worms and the African night crawlers. The centre prefers the red worms because they are easier to breed and multiply fast.

The worms feed on compost, which also forms their bedding.They can be fed on high proteins derived from soya bean residue but these will turn sour if not totally consumed. The worms also require suitable bedding for maximum production.

“The compost which forms their bedding has to be damp and cold”’says the 32 –year-old. The first production only begins after six months.

Currently they sell livestock to local pharmaceutical companies which will extract the protein.

The protein extracts are also provided upon request in powder or liquid form but are processed in Indonesia before they are brought in again to be sold.

“We don’t have the facilities and technology yet to do it locally” says Azlinda.

Although they do have plans to bring in the technology and to set up the factory on four acres of land behind the breeding shed, the main issue has to be settled before moving on to providing such facilities.. “There has to be enough livestock.” She adds.

“ To produce one litre of the protein extract would require at least 10 tonnes of worms,” explains Azlinda. Currently thjs company is producing 50 kg of livestock worms and only one tonne of fertilizers monthly. One company alone is asking for a supply of at least a few hundred kilogrammes of fertilizers.

Their project has caught the attention of Muda Agricultural Development Authority (Mada) and the Perak State government which plans to encourage worm breeding for fertilizer production.

Banks such as Bank Pertanian have allocated loans for agricultural projects. With RM1,000, one can purchase two kilogrammes of worms and they can breed them in any container be it plastic pails, baskets or even lockers.

The company has 40 vendors from Selangor, Negri Sembilan, Malacca, and Johor. They hope to have a branch in each state where they would each have their distribution and collection centre. Once the manufacturing plant is set up, the current shed would be used to store the worms purchased.

The company also naturally breeds 150 kg of eels in the ponds close by, which is similar to its natural home. The eels are sold live to be made into gourmet dishes or sold to breeders. The company also breeds another 50 kg of leeches in man-made ponds Meru ,Klang.

“Eels and leeches are often used in pharmaceutical products,” says Azlinda.

For further details, email to norazam_kamisan@yahoo.com or amkikkyu@gmail.com.