Bagaimana nak bayar yuran pengajian tanpa perlu keluarkan duit kita dulu?

Just nak share untuk kawan-kawan atau siapa-siapa yang baru dan tertanya-tanya cemana nak bayar yuran pengajian tanpa perlu keluarkan duit sendiri dulu. Sharing ni more untuk part time student yang mana takder loan dari ptptn, mara atau jpa. So, kena bayar sendiri. Dan alternative pembayaran adalah melalui kwsp.

Tapi ada gak, kawan-kawan yang bertanya, kalau bayar melalui kwsp, kena bayar duit kita dulu, then claim dari kwsp macam beli rumah... sebenarnya, tak perlu bayar dulu. Apa yang perlu hanya beberapa langkah seperti yang akan aku share kat bawah ni.

Mula sekali, pergi pejabat bendahari universiti. Macam kes aku, aku pergi ke DW7, intekma resort. Sampai kat bendahari tu, aku just minta dorang buat satu surat pengesahan pembayaran yuran. Aku tunjuk bill yang aku dah print online.

Surat ni sebenarnya format yang telah disediakan oleh pihak kwsp. Tapi kita tak perlu lah bawak contoh, sebab pihak bendahari dah tahu pun benda ni. Lepas dapat surat pengesahan ni, make sure bahagian bawah bertanda 'x' untuk pembayaran yuran terus ke bendari universiti. macam kat bawah ni ler...

Lepas dah dapat surat ni, teruslah menuju ke cawangan kwsp yang terdekat dengan anda. Bila sampai, terus minta borang untuk pengeluaran pendidikan. Kalau tak pun, boleh download borang kat sini. Pilih borang KWSP 9H (AHL) - Pengeluaran Pendidikan. Sebelum tu, perlu diingatkan bahawa sila sediakan photostat i.c. depan belakang untuk attach sekali masa buat submission borang nanti.

Kat borang tu, hanya perlu isi maklumat ahli dan pada page belakang yakni bahagian E, masukkan jumlah yuran semasa yang perlu dibayar. Setelah semua maklumat itu lengkap, kepilkan surat pengesahan dari bendahari bersama i.c. photostat anda dan ambil nombor giliran.

Setelah itu, maka berurusan lah anda dengan pegawai jika nombor anda dipanggil. Bila pegawai tu, settlekan urusan menyemak maklumat apa semua, dia akan print seperti statement atau resit, menyatakan bahawa anda sudah membuat pemohonan percubaan pertama - lulus.

So, tunggulah beberapa hari atau minggu, kita akan dapat surat dari kwsp menyatakan bahawa yuran kita dah dibayar oleh kwsp. pihak kwsp akan creditkan terus amount seperti dalam permohonan kita ke bendahari.

Jadi, tak perlulah kita nak keluarkan advance untuk bayar ke bendahari dulu, then claim. Tapi kalau duit banyak tu, lain citer lah... boleh bayar cash je yuran....

sekian. sedikit sharing untuk kawan-kawan ajer. kalau berguna boleh jadi panduan...

Seminar #3

Seminar #3, maksudnya dah masuk class ke-3 untuk semester satu, aku kat UiTM Shah Alam. Wah, sedar tak sedar aku dah nak masuk mid sem dah, dan masa akan terus berlalu dengan cepat sampai aku mungkin akan terlepas nanti, kalau aku tak betol-betol catch up.

Sebelom sampai skul semalam, dah kuar notice bebudak bagitau ada 2 test. Marketing ngan e-Commerce. pastu, aku cuak giler sebab tak banyak yang masuk dalam otak buat masa sekarang ni. So, semalam, masuk je class, memang rasa cuak lah. At the end, Marketing takder test pun. adeh... salah info daaaa....

Cuma e-Commerce je ada test. Tu pun, aku nasib baik ada buat tutorial dalam kelas maya, kalau tak, memang tak dapat jawab ler... walau dah jawab dalam class maya, aku masih gak lupa point aku. adehh.... lagi.

Sesi petang, kelas info technology... dan last sekali, of course class feberet aku... presentation skill. So far dalam 4 kelas aku tu, hanya kelas presentation tu je lecturer memang kenal sangat ngan aku. ape tak nyer, aku je lebih... hahahhahaa (poyos nak glamer). Actually aku memang nak score A+++ dalam subject ni, sebab bagi aku, mana subject yang boleh score, better aku focus dan buat betol-betol. Bukan bermakna yang tak boleh score aku abaikan, tapi nak kena carik taktik cemana nak full swing... itu yang penting. Taktik dan strategi nak lulus dengan cemerlang.

Porter’s Five Forces: Tipping the Balance of Power in Any Business Situation

No matter which industry your business is in, you can assess the forces that influence your business, including its strengths and weaknesses, using this set of five Market Forces, in order to leapfrog over your competition by better understanding the industry you and your rivals operate in.

Created by Harvard Business School professor Michael Porter to analyze the attractiveness and likelihood of profitability of an industry, Porter’s Five Forces are a simple but powerful tool for understanding where power lies in any business situation. Using this tool, you can gain insight into the competitive strength of your current position as well as one you’re considering moving into.

In this way, you can take fair advantage of situations of strength, improve weaknesses, and avoid missteps.

While these Five Forces are typically used to determine whether new products, services or businesses may be profitable, you can use them to analyze any “balance of power” scenario, including key strategies in your marketing plan.

How to Use Porter’s Five Forces

The Five Forces that determine the balance of power in any business situation are:

1. Supplier Power. How easy is it for suppliers to drive prices up? The answer depends upon the number of suppliers of each key element, how unique their product or service is, their ability to control you, the cost of switching from one to another, and so on. The fewer your choices, and the more you need their help, the more powerful your suppliers are.
2. Buyer Power. How easily can your buyers drive prices down? As in Supplier Power, the answer depends upon the number of buyers, how important each buyer is to your business, what it costs them to switch from your products or services to a competitor’s, etc. If you only have a few buyers, they can exercise a lot of control over you.
3. Competitive Rivalry. The key here is how many competitors you have and what their capabilities are. If you have a lot of competitors that offer equally attractive products and services, then you’ve probably got very little power. If suppliers or buyers don’t like the deal they get from you, they’ll go to someone else. If no one else can do what you do, however, you may have a lot of strength.
4. Threat of Substitution. Can your customers find another way to do what you do? Can they hire people to do what your product does? Can they hire developers to re-create your software? If it’s easy and viable for them to substitute something or someone for your product or service, your power is weakened.
5. Threat of New Entry. How easy is it for new players to enter your market? If it doesn’t cost much money or time for someone else to start a business and compete with you (low barriers to entry), if you can’t gain or haven’t gained advantages via expansion such as lower-priced supplies (economies of scale), or if your key technologies aren’t well-protected or can’t be, then new competitors can quickly enter the market and destabilize your position. On the other hand, with strong barriers to entry that you can defend, then you can keep your position of strength and use it to your advantage.

 

To use Porter’s Five Forces to assess the balance of power in your business situation, start by examining each of these forces individually.

Think about the factors that are relevant for your market or situation, and then check them against those in each Force.

Download a copy of this diagram and mark your key factors for each Force. To characterize the size and scale of each Force, use a plus sign for any force that’s moderately in your favor, two pluses for any that’s strongly in your favor, and a single or double-minus sign for any force moderately or strongly against you respectively.

Next, brainstorm opportunities. Where can you further leverage a Force strongly in your favor, bolster one that’s a moderate advantage, or shore up weaknesses? Does one area require a rethink in order to change the balance of power?

At first blush, it may not be readily apparent where branding or marketing strategy’s role is in this tool, but if you consider “quality differences” in Competitive Rivalry, you’ll realize that this is where brand has the most impact. “Quality differences” is a catchall area that can also encompass other value-adds such as brand affinity, “stickiness” and customer service, all of which have a huge impact on “customer loyalty,” also in this category.

Consider the Coke vs. Pepsi rivalry and the point becomes clear. Two simple products—I always like to refer to them as “brown, bubbly, sweetened water” to illustrate their simplicity—that have waged brand wafare to the tune of billions of dollars. The Coca Cola logo is one of the most recognized logos in the world. (Not bad for a can of bubbly brown water.) That alone shows how important perceived quality differences are. They can make or break a brand.

Source: http://karen-goldfarb.com/marketing-strategy/porters-forces-aka-forces-tip-balance-power-business-situation

its time to continue...

its time to continue...

continue ape? continue study... Hari ni pendaftaran pelajar baru untuk student e-PJJ UiTM Shah Alam. Kira aku salah sorang yang dapat ler. Mulanya, aku tak expect pun akan dapat sebab sebelom ni masa apply, requirement pun aku tak lepas. Seperti yang dikehendaki oleh U tu, dorang nak, at least CGPA 2.5 untuk diploma dan credit bahasa inggeris. aku plak, CGPA sebelom ni hanya 2.3 dan english hanya cangkul. Even wife aku pun cakap, ni kena buat rayuan.

tapi, aku tak merayu pun, biarkan ajer dan 2 hari lepas, aku dapat sms cakap TAHNIAH. hohohoho... 2 hari tu nak register baru notify. pas tu soh daftar sabtu. dengan sen yang dah abis allocate tok benda lain, so aku mulanya rasa macam malas nak further. tapi, wife galakkan gak... so, aku pun nekad dan tawakal je lah mendaftar.

masa mendaftar tu, aku ingat memang takder sapa le yang aku kenal. at the end, aku jumpa beberapa orang yang aku kenal antaranya Fairoze, client aku, dan geng utm lama... black.... dah sepuluh tahun tak jumpa dia... pergh... hebat...

pendaftaran mula pagi, tapi aku pergi lewat sikit lah dari jam yang di suggest. aku sampai pun dalam kol 9.30 tadi, tapi mak ai... que panjang giler. aku habis process pendaftaran tadi dalam kol 4.30 petang dan dengar taklimat hanya setengah jam je. adeh... 

harap boleh g ler lepas ni...