Bisnes Digital Besar Beroperasi Pada 95–99% Gross Margin.

Kalau anda tak faham “margin”, anda sebenarnya tak faham bisnes.

Pernah tak anda kerja sebulan penuh penat lelah, tapi hujung bulan tengok akaun bank… kosong. 

Rasa macam kerja percuma.

Ramai owner bisnes rasa pelik, “jual banyak, tapi kenapa duit tak ada?”

Jawapan dia: anda tak faham margin.

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Apa itu Margin?

Margin ialah peratusan keuntungan yang tinggal selepas ditolak kos.

Ada dua jenis margin yang penting:

1. Gross Margin (Margin Kasar)

➝ Hasil jualan (revenue) tolak kos langsung (COGS).

o Revenue (hasil jualan) = jumlah duit yang masuk daripada jualan produk atau servis.

Contoh: anda caj pelanggan RM100 untuk servis anda.

o COGS (Cost of Goods Sold / kos barang terjual) = kos langsung untuk siapkan produk/servis bagi seorang pelanggan tambahan.

Contoh: kalau anda ada kedai gunting rambut, kos minyak rambut, upah tukang gunting untuk satu kepala.

Kalau anda buat servis coaching, kos langsung ialah gaji coach yang handle klien tu.

Jadi Gross Margin = (Revenue – COGS) ÷ Revenue.

2. Net Margin (Margin Bersih)

➝ Duit yang tinggal selepas tolak semua benda: sewa, gaji admin, bil, software, marketing, cukai.

Inilah yang betul-betul jadi untung bersih.

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Contoh ringkas

Anda caj pelanggan RM60 sejam, dan bayar staff RM20 sejam untuk fulfill kerja.

• Revenue = RM60

• Kos langsung (COGS) = RM20

• Lebihan kasar = RM40

Gross Margin = RM40 ÷ RM60 = 66%

Nampak macam ok, tapi sebenarnya belum cukup. 

Sebab bila tolak overhead lain, hujung tahun mungkin tinggal 10–15% sahaja.

Kalau naikkan gross margin ke 80%, net margin boleh naik lebih dua kali ganda. 

Contoh dari 12% naik ke 26%. 

Itu beza “cukup-cukup makan” dengan “ada simpanan besar”.

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Target margin yang saya belajar

👉 Untuk bisnes servis, sasaran minimum 80% gross margin.

Lagi bagus kalau 90% atau 95%.

Kenapa?

Sebab setiap kali naik 5–10% gross margin, keuntungan bersih boleh berganda.

• Dari 80% ke 90% = 2× lebih untung.

• Dari 90% ke 95% = 2× lagi.

Bisnes digital besar (Google, Microsoft, Apple) beroperasi pada 95–99% gross margin.

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Macam mana nak capai 80% ke atas?

Ada dua cara sahaja:

1. Kurangkan kos langsung (COGS).

Contoh tadi RM60 jual, kos RM20. 

Kalau kos turun ke RM12, margin terus jadi 80%.

2. Naikkan harga jualan (Revenue).

Kalau kos masih RM20, untuk capai 80% gross margin, harga kena naik ke RM100.

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Kenapa penting?

Bayangkan anda jual RM100, kos fulfill RM20.

Tinggal RM80 margin kasar.

Dari RM80 tu anda perlu bayar:

• Kos marketing untuk tarik pelanggan baru (contoh 20% = RM20).

• Baki RM60 untuk gaji admin, sewa, software, overhead lain.

• Masih ada untung bersih.

Kalau gross margin rendah, anda tak ada duit nak beli pelanggan baru. 

Sebab tu bisnes sangkut.

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Contoh dunia sebenar

Seorang owner bayar coach RM4,000 sebulan. 

Coach tu boleh handle 40 klien.

Harga pakej = RM1,200 untuk 3 bulan (RM400 sebulan).

• Revenue: 40 × RM400 = RM16,000

• Kos coach: RM4,000

• Lebihan kasar: RM12,000

• Gross margin: RM12,000 ÷ RM16,000 = 75%

Dah bagus, tapi belum 80%.

Cara naik:

• Turunkan kos coach ke RM3,200 atau

• Naikkan harga klien +RM20 seorang.

Bezanya kecil, tapi cukup untuk tolak margin ke 80% dan buat untung hujung tahun naik 25% lebih tinggi.

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Rumusan

• Revenue = hasil jualan.

• COGS = kos langsung untuk siapkan produk/servis bagi seorang pelanggan.

• Gross margin = (Revenue – COGS) ÷ Revenue.

• Net margin = duit bersih selepas semua overhead.

• Sasaran minimum gross margin untuk servis = 80% ke atas.

• Cara capai: kurangkan kos langsung atau naikkan harga.

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Kalau perlukan bantuan profit margin tu, boleh join group komuniti usahawan saya, tanya soalan dalam tu untuk dapatkan kira2 margin bisnes anda yang sepatutnya. Link ada dalam profile.

The Harsh Truth They Don’t Want You to Know

Look around your house, your phone, your TV, your fridge, even the simplest appliances. Almost everything today is built with one purpose, not to last but to keep you buying. They don't release new versions because you really need them.

They release them because if you stop buying, they stop earning. It's not pure innovation. It's pure sales.

If nothing breaks, if nothing feels outdated, their business dies. This system has a name, planned obsolescence. Products are designed to expire.

So your money never rests. Want proof? Over a hundred years ago, a company built a light bulb that never burned out. One of them is still glowing in California today.

But that company, it went bankrupt. Because if a product never breaks, no one buys again. That's the harsh truth.

They don't just sell you technology. They sell you the illusion that what you own is never enough. So ask yourself, are you really upgrading because you need to? Or because they've trained you to believe you're left behind? Because here's the truth.

It's not your phone or appliances that are dying. It's your mindset they're killing. So you keep paying.

So if you are not following me, most likely you're never going to see me again. But if you are, then congrats. You are always growing. Every single day.

MARS1000: Cip AI Tempatan Pertama Malaysia Dah Siap

MARS1000: Cip AI Tempatan Pertama Malaysia Dah Siap!

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Malaysia akhirnya ada cip AI sendiri. Nama dia: MARS1000. Dibina oleh SkyeChip, dan ini bukan sembarangan cip — ia dibangunkan guna teknologi 7nm, sama level dengan cip-cip global yang biasa kita dengar dari gergasi luar negara.

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🔰Apa MARS1000 Boleh Buat?

Cip ni direka untuk penggunaan edge AI, maksudnya sesuai untuk proses data secara terus di tempat kejadian. Antara kegunaan dia:

 

• Sistem trafik pintar

• CCTV dan analitik video masa nyata

• Robot kilang automatik

• Bandar pintar dan selamat

• Ladang pintar

• Aplikasi AI generatif

Ini semua teknologi masa depan yang dah jadi realiti, dan sekarang boleh dikuasakan oleh cip buatan Malaysia sendiri.

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🔰EdgeMind: AI Untuk Semua Orang

Satu lagi berita menarik — syarikat Elliance juga lancarkan sistem EdgeMind, satu sistem AI tempatan yang tak perlu deep coding. 

Tujuan dia jelas: bagi peluang pada lebih ramai orang untuk guna dan bangunkan solusi AI, tak kira di ladang, kilang atau sekolah.

Kerjasama antara Elliance, SkyeChip dan rakan industri lain dah mula sejak tahun lepas — dan sekarang kita dah nampak hasilnya depan mata.

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🔰Malaysia Sedang Bergerak Pantas

Dalam 6 bulan pertama 2025, eksport semikonduktor dan E&E Malaysia melonjak hampir 16%. 

Syarikat-syarikat tempatan pun makin menonjol:

• SkyeChip dah ada 90+ paten

• Swiftbridge tengah bangunkan kabel ujian 6G terpantas di rantau ni

• SanDisk dan Agilent pula diiktiraf global untuk kilang canggih berasaskan 4IR

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🔰Apa Maknanya Semua Ni?

Maknanya Malaysia dah mula cipta, bukan sekadar guna. Kita tak tunggu lagi teknologi luar — kita bina sendiri. Dengan MARS1000 dan EdgeMind, kita bukan je ikut arus AI global, kita mula jadi sebahagian daripada pembentuk arus tu.

Malaysia dah masuk fasa baru — era ciptaan teknologi sendiri.

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Creating Is Free but Making Money is Not

Creating engaging content doesn't have to be expensive!

Here are 5 affordable AI tools that can help you create content👇

1. www.Syllaby.io - provides users with AI-generated outlines and scripts for various types of content, making it easier to create engaging videos for social media.5 AI Tools In 1!

Key Features:

Syllaby.io helps write video scripts & social media content with AI.

Brainstorm new content ideas & write various content types

Plan content with social media calendar & optimize for SEO

Create videos with AI avatars, or faceless videos

Pricing starts at $25/month for the Basic plan.

Try it here: https://syllaby.io/

2. Designs.ai - is a suite of AI-powered design tools that help create logos, videos, banners, and more.

Key Features:

AI logo maker and video creator.

Design templates for social media, ads, and presentations.

Text-to-speech and color matcher tools.

Pricing starts at $29/month for the Basic plan.

Try it here: https://designs.ai/

3. Murf AI: Voiceover magic.

Use for: YouTube, presentations, marketing videos, making content accessible.

Key features: Realistic AI voices (many languages!), fine-tune delivery, add music, collaborate with others, easy text-to-speech. (Plus, clone voices with higher tiers!)

Try it here: https://murf.ai/

4. Rytr - AI writing assistant that helps create high-quality content quickly.

Key Features:

Generates content for blogs, emails, social media, and more.

Customizable tone and style.

Supports multiple languages.

Saver plan starts at $9/month.

Try it here: https://rytr.me/

5. Simplified - is an AI-powered content creation tool that helps generate and design content for social media, blogs, and more.

Key Features:

AI content generation for text and visuals.

Social media scheduler and planner.

Collaboration tools for team projects.

Pricing starts at $18/month.

Try it here: https://simplified.com/

AA 

BB

Would You Live For Your Family?

| Would You Live For Your Family? | Dan Martell

Jun 23, 2025, 6:30 PM

736K views · 15K reactions | Would You Live For Your Family? | Dan Martell

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(0:00) You hear these people say, I would die for my family. But would you change your habits for (0:04) your family? Would you chase your dreams for your family? Would you decide to go to the gym (0:08) for your family? Will you change and deal with those vices for your family? Will you go all (0:12) in on your dream for your family? That's my question. Stop using them as the excuse, (0:17) and start using them as the https://www.facebook.com/share/r/19QwZptHD4/

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Monitize Social Media Platform

1. Masa PKP dulu, bisnes online paling laju. Semua pakat menjual secara online. Di Tiktok, di FB, penuh dengan LIVE menjual.

2. Antara pilihan peniaga adalah barang bundle, baju vintage dan seumpamanya. Harga masa tu tak masuk akal. Sehelai baju sampai RM4k. Topi 2-3 ribu.

3. Dengan bawa slogan 'Demo kenal bare' dan 'duit demo bare kawe', harga barang bundle dan vintage dijual secara bid memang diluar kewarasan akal. 

4. Walau harga keras, tetap sale laju yakmat. Bagai cendawan tumbuh datang peniaga baru mencuba nasib. Kebanyakannya berjaya.

5. Income peniaga online masa tu lebat sungguh, belum masuk nilai hadiah gift. Singa lah, keretapi lah. Maka ramai berhenti kerja dan buat LIVE sepenuh masa.

6. Namun masa demi masa, satu persatu mula jatuh. Acc Tiktok kena sekat, kena permanently ban, hilang habis followers beratus ribu.

7. Yang tak kena ban pula, sale merudum teruk. Tiada lagi pemberani nak bid barang mahal-mahal. Akhirnya dijual lelong murah-murah dan akhirnya tumbang terus.

8. Mereka terlalu teruja dengan wang mudah masa tu. Jual apa laku belaka. Mereka lupa, masa tu PKP. Orang berkurung. Sebahagian besar masa orang buka media sosial. Sebab tu ramai view.

9. Masa PKP juga orang banyak duit. Moratorium pun dapat. Anak tak pergi sekolah, tak perlu duit belanja. Bayaran taska, van sekolah tak perlu. Minyak kenderaan tak perlu. Jimat kehidupan masa tu, duit pula banyak, maka kuasa beli itu jadi tinggi.

10. Zaman sekarang, kuasa beli rendah. Banyak komitmen perlu dilunaskan. Orang pergi kerja fizikal dah menyebabkan audiences kat alam maya menurun.

11. Bulan lepas, seorang kenalan aku tutup kedai. Tak mampu bertahan. Sebelum ni dia ada dua buah kedai bundle. Siap sewa satu bangunan hanya untuk buat LIVE sahaja.

12. Masa nak raya baru-baru ni aku lihat ada peniaga sampai merayu orang beli barang dia untuk modal balik kampung dan baju raya anak-anak.

13. Dari 100 peniaga, rasanya sekitar 80 dah give up. Kembali kerja hakiki. 20 lagi masih mampu bertahan kerana nama mereka dah besar, bisnes dah betul-betul matang. Bukan bidang terjun baru bermula yang duit syarikat pun tak kukuh lagi.

14. Jadi, jangan terlalu teruja dengan content monetize di FB ni. Anggap ianya adalah bonus sahaja. Platform ini bukan milik kita. Bila-bila masa boleh hilang dan tumbang.

15. Terus sahaja konsisten bina content, belajar dan gali ilmu memaksimakan media sosial untuk generate income. Tak rugi berilmu ni. Orang yang ada ilmu content, jatuh sebanyak mana di dunia maya, mereka boleh bangkit dengan pantas.

Begitulah.

#MFS

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Here are 10 key lessons from How Come That Idiot’s Rich and I’m Not? by Robert Shemin

Here are 10 key lessons from How Come That Idiot’s Rich and I’m Not? by Robert Shemin. Each lesson dives deeper into the mindset shifts and practical actions that separate the wealthy from those who remain financially stuck.

1. Traditional Financial Advice Keeps You Broke

Many people believe that the safest path to financial security is to get a good education, find a stable job, save money, and avoid debt. However, Shemin argues that this advice leads to a lifetime of financial struggle. Traditional financial wisdom encourages playing it safe—working for someone else, saving small amounts, and avoiding risks—but it doesn’t create real wealth. The rich focus on building assets, using money strategically, and creating multiple income streams rather than relying on a paycheck. To break free from financial mediocrity, you must question the advice that has kept generations in the same cycle.

2. Intelligence Isn’t the Key to Wealth—Action Is

Many people assume that becoming rich requires high intelligence, advanced degrees, or expert knowledge in finance. In reality, the wealthiest people are not necessarily the smartest—they are the ones who take action. They make decisions, invest in opportunities, and learn from real-world experiences rather than waiting until they "know everything." Fear of making mistakes keeps many people trapped in analysis paralysis, while successful people act first and refine their strategy along the way. If you want financial success, start taking action today instead of endlessly preparing for it.

3. Fear Is the Biggest Obstacle to Wealth

Fear keeps people stuck in their financial situations. Fear of failure, fear of losing money, fear of making the wrong choice—these anxieties prevent individuals from taking the risks necessary to build wealth. The wealthy acknowledge their fears but don’t let them dictate their actions. They understand that failure is temporary and that mistakes are valuable learning experiences. The key is to push past fear by taking small risks at first, gaining confidence, and realizing that setbacks are just stepping stones to success.

4. The Wealthy Focus on Assets, Not Just Income

Most people measure financial success based on how much they earn, but this is a flawed approach. A high salary doesn’t guarantee wealth if all the money goes toward expenses. The rich focus on acquiring assets—things that generate income, such as rental properties, businesses, stocks, and intellectual property. Assets continue to make money even when you’re not actively working, which is why building them is the foundation of financial freedom. Instead of asking, "How much do I make?" start asking, "What assets am I building?"

5. Leverage and Other People's Money (OPM) Are Game Changers

The wealthy rarely use only their own money to build wealth. They understand the power of leverage—using other people’s money, skills, and resources to accelerate financial growth. This could mean using loans to invest in real estate, partnering with others to start businesses, or outsourcing tasks to free up time for higher-value activities. Instead of saving for years to make a big investment, successful people find creative ways to make deals happen sooner. The lesson is clear: you don’t need to have all the money yourself—you need to know how to access and use it wisely.

6. Failure and Mistakes Are Necessary for Success

Most people try to avoid failure at all costs, but Shemin emphasizes that the wealthy fail more often than the average person—they just learn from it and keep going. Mistakes are not the opposite of success; they are part of the process. Instead of seeing failure as a setback, wealthy individuals view it as a necessary step toward financial success. The difference between rich and poor isn’t who makes mistakes—it’s who learns from them and keeps moving forward.

7. Networking and Relationships Build Wealth Faster

Financial success isn’t just about what you know—it’s about who you know and how well you connect with them. Wealthy people surround themselves with successful, ambitious individuals who inspire and challenge them. They actively build relationships with mentors, investors, business partners, and experts who can offer guidance and open doors. Many financial opportunities come through personal connections rather than job applications or online searches. If you want to grow your wealth, expand your network and nurture valuable relationships.

8. Your Mindset Shapes Your Financial Reality

Your beliefs about money directly impact your financial success. If you see money as scarce, difficult to obtain, or something only lucky people have, you’ll subconsciously make choices that reinforce that belief. The wealthy believe in abundance—they see money as a tool, opportunities as limitless, and financial success as achievable. Shemin emphasizes the power of reprogramming your mindset to see wealth-building as natural and possible. If you constantly tell yourself, "I’m not good with money" or "Rich people are greedy", you will sabotage your own financial growth.

9. Pay Yourself First and Control Your Spending

Most people pay their bills first, cover their expenses, and then save whatever is left—which is often nothing. The wealthy do the opposite: they pay themselves first by setting aside money for investments and savings before paying other expenses. This ensures that wealth-building is a priority, not an afterthought. Additionally, they control their spending—not by living in poverty but by making intentional choices about where their money goes. Financial success isn’t about being cheap—it’s about being smart with money and directing it toward wealth-building activities.

10. Take Responsibility for Your Financial Future

Many people blame external factors—bad luck, the economy, their upbringing—for their financial struggles. The wealthy, however, take full ownership of their financial situation. They don’t wait for the government, employers, or family members to secure their future—they take proactive steps to build wealth themselves. Taking responsibility means educating yourself, making strategic financial moves, and refusing to make excuses. The sooner you accept that your financial future is in your hands, the sooner you can start making decisions that lead to success.

You can also get the audio book for FREE using the same link. Use the link to register for the audio book on Audible and start enjoying