Financial Guide for SMEs - SME Corporation Malaysia

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SME Corporation MalaysiaLevel 6, SME 1, Block B,Lot E, Jalan Stesen Sentral 2,Kuala Lumpur Sentral50470 Kuala LumpurGeneral Line : 03-2775 6000Fax Line : 03-2775 6001Info Line: 1-300-30-6000Website : www.smecorp.gov.myFirst published in 2011Printed by Percetakan Jiwabaru Sdn BhdLot 14, No 2, Jalan P/8 Kawasan MIEL FASA 2,Bandar Baru Bangi, 43650 Bangi Selangor Darul Ehsan
Financial Guide for SMEsAbout the GuideThis Guide has been adopted from the Australian version entitled “AchievingFinancial Success” (formerly known as the Financial Survival Guide) preparedby Jan Barned (CPA, FFTP), with the assistance of CPA Australia and SmallBusiness Victoria. Ms. Barned who is the principal of Financial ManagementTrainer (www.fmtrainer.com.au), has worked in the fi nance industry internationallyand in Australia for over twenty years.SME Corporation Malaysia and CPA Australia have been granted the copyrightto reproduce the Guide and to modify the content to suit the Malaysian context.The Guide will be a useful reference for entrepreneurs on fi nancial managementwhich is a key success factor to any SME business, particularly for newentrepreneurs with little fi nancial background.Copyright NoticeCopyright 2011 SME Corporation Malaysia and CPA Australia. All rightsreserved. Subject to Copyright Act 1987 (Malaysia) and Copyright Act 1968(Australia).No part of this publication, including the contents, trademarks and tradenames may be reproduced, stored in a retrieval system or transmitted in anyform by any means including in websites, for commercial or non-commercialmeans without prior written permission of SME Corporation Malaysia andCPA Australia. Application for these uses shall be made directly to the ChiefExecutive Offi cer of SME Corporation Malaysia.In reproducing or quoting the contents, acknowledgement of source is required.DisclaimerWhilst every effort has been made to ensure the accuracy of the informationcontained in this book, both SME Corporation Malaysia and CPA Australiaaccept no responsibility for any errors and / or inaccuracies it may contain, orfor any loss, fi nancial or otherwise sustained by any person using informationextracted from this book. All information and specifi cation are current at thetime of preparation and are subject to change as may be required.No part of this Product is intended to be treated as advice, whether legal orprofessional. You should not act solely on the basis of the information containedin the Product as parts may be generalised and may apply differently todifferent people and circumstances. Furthermore, as laws change frequently,all users are advised to undertake their own research or to seek professionaladvice to keep abreast of any reforms and developments in the law.1chapter 1 01-21 Eng.indd 18/27/11 11:15:00 AM
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Page 11 and 12: Section I : Business Finance Basics
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Page 15 and 16: Financial Guide for SMEsCase Study
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Financial Guide for SMEsChecklist f
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Financial Guide for SMEsTIPS FOR IM
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Financial Guide for SMEsTIPS FOR IM
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Financial Guide for SMEsCash Conver
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Financial Guide for SMEsManaging Ca
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Financial Guide for SMEsIn month 1,
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Financial Guide for SMEsCash Flow F
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Financial Guide for SMEsStep 3: Oth
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Financial Guide for SMEsAdam will h
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Section III : Financing Your Busine
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Financial Guide for SMEsDebt, Equit
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Financial Guide for SMEsDefinitions
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Financial Guide for SMEsTypes of Se
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Repayment of Debt Finance/ Investme
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Financial Guide for SMEsAdvantagesD
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Financial Guide for SMEsDeciding Be
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Financial Guide for SMEsUnderstandi
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Financial Guide for SMEsProducts fo
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Financial Guide for SMEsPurpose Pro
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Financial Guide for SMEsTransaction
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Financial Guide for SMEs• Do you
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Financial Guide for SMEs107chapter
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Financial Guide for SMEsTrade Finan
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Financial Guide for SMEsThe option
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Financial Guide for SMEsInternation
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Financial Guide for SMEsProduct Usa
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Section IV : Managing LendersBanker
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Financial Guide for SMEsApplying Fo
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Financial Guide for SMEsSME FINANCI
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Financial Guide for SMEs2.3.4.5.Sec
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Financial Guide for SMEs3.4.Section
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Financial Guide for SMEsType of Doc
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Financial Guide for SMEs3.4.5.6.7.8
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Financial Guide for SMEsLoan Applic
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Financial Guide for SMEsExample of
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Financial Guide for SMEssheet will
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Financial Guide for SMEsTo gain an
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Financial Guide for SMEs141chapter
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Financial Guide for SMEsRefinancing
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Financial Guide for SMEsBenefits of
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Financial Guide for SMEsChange in v
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Financial Guide for SMEsBanking Rev
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Financial Guide for SMEsYou should
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Financial Guide for SMEsManaging Yo
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Financial Guide for SMEsManaging Di
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Section V : Better Business Financi
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Financial Guide for SMEsFinancial C
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Financial Guide for SMEsProcedureAc
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Financial Guide for SMEsSalesIs the
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Financial Guide for SMEsBank Reconc
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Financial Guide for SMEsEmployeesAr
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ChapterSix-Cash and ProfitCashYouro
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Financial Guide for SMEsACKNOWLEDGE
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