A Monthly Bulletin for Entrepreneurs
Issue 13
COVER STORY
DIGITALISING SMEs
T
he digital revolution of a country
is no longer an option but a much-
needed necessity when it comes to
uplifting a nation to rank amongst
the top and be able to outline its appeal
to foreign investors. It is undeniable that
broadband and the internet have an impact
on a nations economy. Many countries
have embraced the internet and have spent
billions on building the infrastructure.
There is obviously a return on investment
for the monies spent.
More than 40% of the global internet
audience is from the Asia Pacific region.
This is over 600 million people and 10% of
whom live in Southeast Asia. With more
than 60 million people browsing the web,
this is indeed a significant market for
e-commerce businesses. Malaysia and
Singapore are two countries in the region
with the highest internet penetration. At
the moment, these two countries represent
the largest e-commerce industries of
Southeast Asia.
According to Euromonitor, they
generate almost half of the total online retail
sales in the region, even though Malaysia
and Singapore only account for about 8%
of the Southeast Asian population. Both
countries are expected to achieve double
digit growth over the next few years. But
the e-commerce markets in Malaysia and
Singapore are relatively small compared
to other Asian markets such as China and
Japan. Nevertheless, both Malaysia and
Singapore stand out with over 50% with
respect to the relative size of cross-border
share of the e-commerce market. This
percentage is relatively much higher than
in Japan, South Korea and even China.
In Malaysia, about 55% of all
e-commerce transactions are cross-border;
PP18996/04/2016(034470)
by Dr Ghaz
American and Chinese web shops are very
popular amongst Malaysian consumers.
The Malaysian e-commerce market is not
yet well developed as in Singapore, however
the growth rates have been impressive (in
2016, 31% in Malaysia compared to 18% in
Singapore). The growth in the e-commerce
market is mainly fueled by Malaysias fast
growing middle class.
There is always a unique synergy
between the growth of a countrys economy
and the development of its information
and communications technology (ICT)
sector. Hence, Malaysia has placed a great
emphasis on the development of its ICT
sector by actively injecting investments
and spearheading many programmes and
efforts to boost the ICT talent and markets
in all parts of the country. The countrys
ICT sector is currently standing at an
interesting crux of its cycle, being mid-way
Download our mobile apps at www.smebank.com.my
February - March 2017
Complimentary Copy
INSIDE THIS ISSUE
PERSPECTIVE:
Hotel Sector: Digitalisation and Innovation
to Counter Challenges Page 2-3
PRODUK:
Teknologi Hijau Page 4
ANALYSIS:
Digitalisation: Time to Reinvent Page 5
BUSINESS ALERT Page 6-7
URUS BESTARI:
Teknologi Digital Dalam Perniagaan Page 8
POINT-OF-SALE:
7 Ways to Get Better at Selling in Retail
Page 5
PENGURUSAN SUMBER MANUSIA:
Mewujudkan Budaya Kerja Yang Produktif
Page 9
SEMBANG USAHAWAN:
Dato Chevy Beh Page 10
KNOWLEDGE SPA:
Kuasai Perniagaan Internet Page 12
ENTREPRENEURS EVENT CALENDAR
Page 12
through its charge into a new and faster
digital world.
The Eleventh Malaysia Plan (2016-
2020) positions ICT as an imperative
enabler for a knowledge economy,
especially in the areas of infrastructure,
human capital and digital inclusion.
These enablers increase productivity
through innovation hence enhances
competitiveness and wealth creation.
Re-energizing ICT industry, developing
high quality ICT talent, improving digital
infrastructure and pursuing digital
inclusion are among the focal points. It
is equally vital for a knowledge economy
to be highly skilled and to have a capable
workforce to drive innovation, creativity
continue on page 2
2

Adviser PERSPECTIVE
Datuk Mohd. Radzif Mohd. Yunus
Group Managing Director

Editor-In-Chief
Sheikh Ghazali Abod, Ph.D
Director
Entrepreneur Development Divison

Editor
Norhisham Hamzah

Contributors
Hotel Sector: Digitalisation and
Innovation to Counter Challenges
Raja Shahriman Raja Harun Al Rashid
Shahrir Amran
Azhar Kasan
Hayati Abu Seman by Raja Shahriman Raja Harun Al Rashid
Rusydan Hamedy Rusli

Design & Layout

Haja Sharoni Shah
Rafiq Asyraf
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Published By
Small Medium Enterprise
Development Bank
Malaysia Berhad (49572-H)
Menara SME Bank
Jalan Sultan Ismail
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Wilayah Persekutuan
Tel: +603 2615 2020
Fax: +603 2698 1748
Customer Service Centre:
1-800-88-3131
www.smebank.com.my
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Centre For Entrepreneur
Development And Research
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Jalan Sultan Ismail
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Tel: +603 2615 2063
Fax: +603 2692 5916
www.cedar.my
DISCLAIMER
The views and opinions expressed
throughout this newsletter are those of the
authors and do not necessarily reflect the
official position and views of the SME Bank.
Copyright Small Medium Enterprise
Development Bank Malaysia Berhad.
All rights reserved. This publication is not to
be reproduced in part or whole without the
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Materials on this publication are protected by
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or distribution of copyright materials, or any
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the maximum extent possible under the law.
SME Bank Group of Companies
T
he direct contribution of Travel & Tourism
to GDP in 2015 was RM61 billion (5.7%
of GDP). By 2025, direct contribution of
Travel & Tourism to GDP is expected
to grow by 4.1% p.a. to RM95.9 billion (5.8%
of GDP). Visitor numbers are rising steadily
since 2005 (except for 2015 post MH370 and
MH17 incidences). As a result, the country has
attracted the attention of prominent regional
and global hoteliers leading to the development
of a broad range of new hotels in Malaysia - both
within established tourism destinations and in
more remote locations.
Tourism outlook is positive given the
steady growth in Malaysia's inbound tourism
market, which is forecast to grow from 30.3
million in terms of international arrivals in 2016
to 36.0 million arrivals in 2020 (Tourism and
source: www.tourism.gov.my/statistics
continue from page 1
and productivity that not only benefits the nation
but also contributes towards the global ICT
advancements.
Malaysias budget 2017 has further
placed a strong emphasis on digitalisation, and
could be a step towards achieving Malaysias
vision of a fully connected digital economy.
The budget initiatives relate directly to it and
include a commitment to improve the speed of
fixed line broadband services. The Malaysian
Communications and Multimedia Commission
(MCMC) will provide RM1 billion to ensure
quality coverage and speed of up to a baseline of
20MB per second. The budget has a direct and
indirect impact on the Malaysian ICT sector and
it is estimated that total IT spending, including
infrastructure, software and services, is to grow
by 3.3% and to be worth RM93 billion in 2017.
Culture Minister, February 2016). Asia Pacific
countries will continue to contribute the
bulk of international arrivals, though there is
an expected healthy growth in arrivals from
the Middle East (currently a relatively small
source region for Malaysia tourism).
ISSUES AND CHALLENGES
Growth in Alternative Accommodations and
Online Travel Agencies (OTAs)
OTAs help to fill hotel rooms. However,
private rentals lure travelers away from
hotels entirely. The growth has been
precipitated by digital innovation and
transparency. For example, Airbnb
alleviates travelers' concern about staying
in a stranger's home by allowing them to
view photos of homes and maps of the
local area, compare listings and pricing,
check out host profiles and reviews, and
book instantly.
For the past few years, the hotel industry
has been facing great competition from
alternative accommodation such as
homestays. This is further aggravated by
the inception of Airbnb, the largest home
sharing network which does not only
target leisure travelers but also business
travelers which traditionally occupy hotels
during their business trips. In this era of
digitalization, the use of technology to
Efficient connectivity is expected to elevate
the countrys digital economys contribution
by 20% to the total GDP by 2020 from the
current 16.8% share or RM220 billion.
Many market studies have shown that
digitalisation has far-reaching impact on the
SMEs. When connected to markets through the
web, these businesses (regardless of revenues
and employee size) are able to access global
markets for both customers and suppliers. As
an illustration of the new networks that are
being formed by digitalisation, it is easy these
days for a European shopper to buy shoes
at Amazon.com that are prototyped in the
US, manufactured in Vietnam from materials
supplied from Sri Lanka, Cambodia, US and
Vietnam and packaged in Malaysia.
Finance Goes Digital ~ At Last.

BizPulse | Issue 13 : February - March 2017


view and book the accommodation at
the finger tips help to viral the use of
Airbnb.
Based on statistics for international
tourism activities, it is estimated that
hotel segment loses approximately
USD450 million in direct revenues per
year to Airbnb. Between September
2014 and August 2015, 480,000 hotel
room nights were reserved, while over
2.8 million room nights were booked
on Airbnb. By 2018, Airbnb room nights
are estimated to reach 5 million room
nights per year.
Shift in Baby-Boomers to Gen-X
The increase in guest sophistication
also poses challenge to hotels in
addressing multi-generational needs,
wants & desires. For example, the
demand gap between the younger
travelers (Gen-X & Gen-Y) and the aging
consumers (Baby Boomers), who have
higher expectations of technological
advances. Hoteliers must also be
innovative in sales and marketing ideas
to attract these different generations.
Modern Technology of Hotel Facilities
The modern technology of the hotel
environment imposes challenges to
the hoteliers to keep on improving the
hotel facilities. For example, rooms with
iHome stereos, fitness facilities as well as
business and meeting facilities. A lack of
awareness of how much efficiency could
KEY TOURISM INDICATORS 2015
Tourist Arrivals 25,715,460
Tourist Receipts RM65.4b
Average per capita expenditure RM2,544.90
Total number of Hotels
source: www.tourism.gov.my/statistics
Elsewhere in Asia, the digital economy has
done disruptive wonders to innovation,
development and growth in finance. When
the landscape finally changes, it is all but
certain to benefit two key stakeholder
groups persistently facing credit supply-
demand imbalances: Underserved and
unserved consumers and SMEs ~ digital
finance will open doors to large numbers of
individuals and businesses who presently
have little or no access to financial
services. The scale of this group and the
opportunity they represent is staggering
~ the World Bank in 2015 estimated that
73% to 80% of people in Indonesia, the
Philippines and Vietnam and about 30%
in Malaysia and Thailand have no banking
relationships presently.
be improved through the use of modern
integrated systems such as interactive
reservation system.
Escalation of Construction and
Renovation Cost
Given the current economic conditions,
the construction/ renovation cost of
new/existing hotel is definitely higher.
The rising cost of materials due to
the ringgit depreciation especially
for imported building materials and
furniture; and higher cost of labour due
to revision of annual levy on foreign
construction workers. Hence, the
anticipated increase in the number of
hotels being developed currently will
certainly be affected by the increase in
construction cost.
DEVIATION ELEMENTS
Embracing Sharing Economy
Hotel operators can seek new
opportunities by expanding their
operation to include offering private
apartments as part of the alternative
type of accommodation. Competitive
advantage can be achieved by providing
guests with all the benefits of private
accommodation plus access to the
hotels public spaces and services. To
optimize the operating cost, hoteliers
can consider to sub-contract out
certain services to operators of private
rentals, including the collection and
2013 2014 2015
27,437,315 25,721,251
RM72.0b RM69.1b
RM2,624.10 RM2,687.30
3,094 4,072 n/a
ICT ADOPTION BY MALAYSIAN SMEs
Recent statistics suggest a discernible
increase in the adoption of information
and communications technology (ICT)
among SMEs, particularly in the last two
years from 2014 to 2015. The findings
of an SME Survey conducted by SME
Corp. Malaysia in 2016 covering 2,176
SMEs, showed that while the devices
namely mobile phones, computers and
laptops used by the respondents did
not change much (from 92.6% recorded
in 2014 to 98.3% in 2015), the number
of respondents using the Internet has
increased significantly to 90.1% (2014:
33.3%), usage of social media to promote
and market their products and services
also increased to 78.2% (2014: 12.1%),
BizPulse | Issue 13 : February - March 2017 3
Perspective
distribution of keys and mail, concierge
and business services, security,
professional cleaning, and training in
guest service, hospitality and cleaning
standards.
Locations, Services and Facilities
Location of hotels should be prevalent
enough, that is, not to compete with
location of homestays or private
rental properties offered by the private
rental agencies such as Airbnb. They
should provide excellent basic services
quality such as room cleanliness;
staff friendliness; hotel lounge with
outstanding food and beverages
offerings; and fitness facilities and spa.
Hotels should also provide innovated
and well maintained facilities at no
extra cost such as interactive menu
ordering for room service and electronic
games; high definition televisions
(HDTVs) with digital tuners and touch
screen functionality.
KEY TAKEAWAYS
In order to beat the impact of the growth
speed of alternative accommodations,
hoteliers must embrace the use of
technology advances. Rather than relying
on Online Travel Agencies such as Booking.
com and Agoda.com, hoteliers must
ensure full utilization of their own website
in promoting their services. The use of
social media accounts such as YouTube
channel, Instagram and Twitter could also
help to step up the promotion of the hotel.
Additionally, in terms of guestrooms and
leisure facilities, hoteliers must ensure
that they keep abreast with the latest
development in modern technology in
providing excellent guests experience.
Raja Shahriman Raja Harun Al Rashid is the Director
of Group Compliance and Risk Management, SME
Bank Malaysia. He can be reached at shahriman@
smebank.com.my.
about 32.3% conducting e-commerce and
e-payment (2014: 7.1%) while 30.9% having
websites (2014: 11.4%). However, within
the SME community at large, there may
be some challenges ahead. For instance,
73% of SMEs in Malaysia are lagging in
adopting ICT in their business operations,
which implies a lack of awareness about
the benefits.
Hence, the message is to encourage
the SMEs to start tapping into the
technologies because the potential returns
are tremendous.
Dr Sheikh Ghazali Abod is the Director of
Entrepreneur Development Division, SME Bank.
He can be reached at sheikh.ghazali@smebank.
com.my.
Issue 13 : February - March 2017 | BizPulse
4 BizPulse | Issue 13 : February - March 2017

PRODUK

P
enekanan kepada teknologi hijau
memang tepat pada masanya
kerana menjelang 2030,
penggunaan tenaga utama
dunia dijangka meningkat sebanyak
1.6 peratus setahun atau 45 peratus
keseluruhannya dalam tempoh 21 merupakan sebuah negara yang
tahun yang akan datang. menerima banyak sinaran matahari
Di Malaysia, keperluan di sepanjang tahun, sebagai
tenaga elektrik dijangka contoh Kawasan Lembah Kelang
mencecah sehingga 18,947 menerima sinaran matahari
megawatt (MW) pada 2020 dengan kadar purata 3.5 jam
dan 23,092 MW pada 2030. sehari. Justeru itu, aplikasi
Sehubungan itu, komitmen sistem solar amat sesuai
semua pihak perlu digembleng digunakan untuk menjana
untuk mengenal pasti dan tenaga elektrik. Sebuah sistem
membangunkan sumber tenaga berkuasa 4kW mampu menjana
alternatif, khususnya sumber tenaga elektrik yang mencukupi
tenaga boleh diperbaharui untuk sebuah rumah bersaiz
seperti solar, angin, mini hidro, sederhana besar.
biojisim, dan geotermal untuk Pada tahun 2010, Kerajaan
menggantikan penggunaan Malaysia memperkenalkan Skim
minyak dan arang batu. Pembiayaan Teknologi Hijau
Tenaga solar adalah salah (GTFS), yang ditadbir oleh GreenTech
satu tenaga boleh diperbaharui Malaysia untuk membiayai usaha
yang dikenalpasti potensi besarnya niaga berkaitan teknologi hijau yang
kepada negara dan sedang ditekankan menyediakan akses yang lebih mudah
applikasi dan pembangunannya di dalam kepada pembiayaan daripada pasaran. Skim
industri. Tenaga yang dijana daripada ini telah dilanjutkan selama dua tahun lagi, iaitu
Panel Solar Photovoltaic (PV) merupakan 2015-2017, mencerminkan komitmen Kerajaan
sumber tenaga yang bersih kerana ianya untuk meneruskan pembangunan sektor teknologi
hanya mengunakan sinaran matahari bagi hijau seperti tenaga solar bagi pembangunan sosio-
menghasilkan tenaga elektrik. Malaysia ekonomi negara. Skim jaminan pinjaman yang
menawarkan rebat sebanyak 2% setahun ke atas
faedah atau kadar keuntungan yang dikenakan

Teknologi Hijau
oleh institusi kewangan, di samping membekalkan
jaminan Kerajaan sebanyak 60% bagi jumlah kos
hijau yang dibiayai. GTFS mensasarkan kelulusan
pinjaman sebanyak RM3.5 bilion pada akhir tempoh
oleh Azhar Kasan skim tersebut.

SKIM PEMBIAYAAN
PENGELUAR PENGGUNA
TEKNOLOGI HIJAU TEKNOLOGI HIJAU TEKNOLOGI HIJAU
Skim Pembiayaan Teknologi Hijau
diperkenalkan untuk membantu Maksimum:
menggabungkan elemen teknologi Maksimum:
Jumlah RM100 juta bagi setiap
RM10 juta bagi setiap
hijau dalam projek tertentu yang Pembiayaan syarikat (berkuatkuasa dari
syarikat
berkaitan dengan sektor yang 15 Jun 2016)
dikenalpasti.
Projek-projek mestilah terletak Tempoh
Sehingga 15 tahun Sehingga 10 tahun
Pembiayaan
di dalam Malaysia, menggunakan
teknologi tempatan dan / atau Syarikat-syarikat berdaftar Syarikat-syarikat berdaftar
diimport. Perusahaan kecil dan di Malaysia (sekurang- di Malaysia (sekurang-
Kriteria
sederhana (PKS) yang boleh kurangnya 51% pemilikan kurangnya 70% pemilikan
Kelayakan
mendapat manfaat daripada skim rakyat Malaysia) dalam rakyat Malaysia) dalam
pembiayaan ini adalah PENGELUAR semua sektor ekonomi semua sektor ekonomi
dan PENGGUNA produk atau sistem
Institusi
teknologi hijau. Skim Pembiayaan
Kewangan Semua bank perdagangan dan Islamic.
Teknologi Hijau untuk kategori yang Bank Kerajaan: Bank Pembangunan, SME Bank, Agrobank,
PENGGUNA dan PENGELUAR adalah mengambil Bank Rakyat, EXIM Bank & Bank Simpanan Nasional.
seperti berikut: bahagian

Azhar Kasan merupakan Ketua, Perbankan Khas, SME Bank. Beliau boleh dihubungi di azhar@smebank.com.my

BizPulse | Issue 13 : February - March 2017

 BizPulse | Issue 13 : February - March 2017 5
ANALYSIS

What do SMEs say about digitalisation?

Changing customer expectations and
behaviour increased demands on

Digitalisation: speedy feedback and engagement

Situational analysis more complex

Time to
than before
Changing business models of Old
ICT systems not in touch with

Reinvent user demands

Lack of skills
the transformation
to manage
Hamedy
SMEs are key actors in providing
innovation but to stay at the edge of
the market is not a simple process.
It requires many factors to come
together: ideas, competencies, funding,
willingness to take chances and good
knowledge of what clients want. To

T
gather all these elements together is not
he age of e-commerce had with regulatory and fraud issues. just a matter of financial means: it also
arrived, and giants like Amazon. Operating models, skills, organizational requires participating in networks that
com and ebay.com were at the structures, and roles need to be can provide access to a new skill set and
forefront of this movement. redesigned to match the reinvented a common vision for the way society and
E-commerce offered us millions of processes. Data models should be the economy grows.
choices, and it gave us the liberty to adjusted and rebuilt to enable better In the age of interconnectivity,
make our choice right from the confines decision making, performance tracking, innovation is delivered through
of our homes. While that definitely and customer insights. collaboration. The participation and
was a great step, the next wave of McKinsey research in personal collaboration by SMEs and multinational
the Internet made things even better financial services shows that Asian companies is a good way in which
through immersive experiences and by consumers are becoming more and both can work together and learn from
connecting us to the rest of the world more comfortable with using mobile and each other.
through social media. The next wave internet channels for banking services,
focuses on Digital Disruption or the with their use increasing on average 2007 2016
process of digitalisation that businesses more than 35% in the past three years.
and SMEs are actively pursuing. 26% Generation Y
According to McKinsey on Digital Digitalisation for Small and Medium 33%
Banking in Asia, customers have been Enterprises:
spoiled! Thanks to companies such Generation Y already represents over a 20% Generation X
as Amazon and Apple, customers are quarter of the worlds population and the 17%
now expecting every organization to proportion is growing as shown. Gen Y
deliver products and services swiftly, plays a major role in accelerating the
with a seamless user experience. This emergence of a new digital world. It will 33% Boomer 32%
creates new challenges to traditional not only be among the most powerful
organizations and as a result, startups consumers in history as they enter the
born in digital age can step in and workforce, but also their impact will be
21% Traditionalist 18%
disrupt the market through more equally impossible to ignore. Generation
effective and efficient delivery of digital Ys expectations are being formed
products and services combined with by the technologies they surround CHANGING DEMOGRAPHIC
(source: Ernst & Young Research)
advance algorithms and full access themselves with.
to information.
Apart from creating new WAVES OF
Waves OfDIGITAL DISRUPTION
Digital Disruption
challenge to all sorts of organizations,
digitalisation or the use of digital
technologies also changes business
models and provides new revenue
and value-producing opportunities for
the organizations that are ready to
adapt the changes. To meet these high
customer expectations, companies
must accelerate the digitalisation of 1995+ 2010+ 2015+
their business processes; however, they Music TV Retail
Photography News Healthcare
should go beyond simply automating an
Video rental Travel Finance
existing process. Recruitment Automotive
They must reinvent the entire Education
business processes including cutting
the number of steps required, reducing
the number of documents, developing Rusydan Hamedy Rusli is an Associate of Business Intelligence section of the SME Bank's Corporate
automated decision making, and dealing Planning. He can be reached at rusydan.hamedy@smebank.com.my.

Issue 13 : February - March 2017 | BizPulse

6 BizPulse | Issue 13 : February - March 2017
BUSINESS ALERT
BUSINESS ALERT by Corporate Planning , SME Bank Malaysia
OIL, GAS AND ENERGY
RECENT DEVELOPMENT
Oil prices (1st February 2017, Wednesday) Oil
rose to the highest close in more than three
weeks as the dollar retreated after the Federal
Reserve left interest rates unchanged and as
evidence mounts that the Organization of
the Petroleum Exporting Countries (OPEC)
and its partners are making promised output
cuts. Brent for April settlement climbed
USD1.22 to USD56.80 a barrel.
OPEC and non-OPEC countries have made
a strong start to lowering their oil output
under the first such pact in more than a
decade. Supply from the 11 OPEC members
with production targets under the deal
has averaged 30.01 million barrel per day
(bpd) from an average of 31.17 million bpd
in December 2016. Overall, the countries
have already cut oil supply by 1.5 million
TOURISM
RECENT DEVELOPMENT
MIER: Tourism Market Survey weakened in
the 4Q2016 after registering growth in the 3Q.
The Tourism Market Index (TMI) fell by 10.7
points to reach 101.4 points.
The Hotel Operators Index (HOI) and
Travel Agencies Index (TAI) recorded
a fall of 10.4 points and 11.1 points,
respectively from the previous quarter.
However, the index has stayed above the
100-point threshold, thus underlies the
sustaining strength of the local tourism
industry.
The biggest share of the fall in the
Expected Index (EI) came from weak
expectation demand of travel and hotel
reservation as well as expected promotion
for both industries.
Current Index (CI) in HOI and TAI show a
slight improvement with increases to 50.0
points from 39.9 points and 40.0 points
from 33.3 points, respectively recorded
from the previous quarter.
HEALTHCARE
RECENT DEVELOPMENT
CCM Duopharma Biotech Bhd announced
that its wholly-owned subsidiary, CCM
Pharmaceuticals Sdn Bhd, has been
awarded RM300.04 million contract by the
Health Ministry to supply human insulin
to all government hospitals and clinics in
Malaysia. The contract is valid for three years,
which had commenced from December, 2016
and will last until December, 2019. CCM
Pharmaceutical is the reseller of human
insulin, which is manufactured by Biocon Sdn
Bhd in Nusajaya, Johor.
IHH Healthcare Bhds indirect subsidiary
Pantai Medical Centre Sdn Bhd (PMCSB) has
entered into a sales and purchase agreement
to purchase a parcel of freehold land together
with a five-storey private hospital with
384 carparks formally known as Pantai
Hospital Manjung, Perak for RM63.0 million
and is expected to be completed with three
months. PMCSB has been leasing the land
and property since 2014. The acquisition is
expected to result in cost savings for IHH in
BizPulse | Issue 13 : February - March 2017
barrels per day (bpd), more than 80% of their
collective target, since the deal took effect on
January 1, 2017. The cuts agreed by OPEC,
Russia and other independent producers
have helped to lift prices from a 12-year low
near USD27 a year ago.
OUTLOOK: NEGATIVE
Hong Leong Research: The oil
price will not move beyond USD60
(RM268.20) per barrel level in 2017 due to
lack of quota discipline exercised by OPEC
producers. Some non-OPEC countries should
be ramping up due to irreversible projects
planned. US could be ramping up whenever
oil price rallies and Iran is still being exempted
from the cut. Oil price is targeted to be around
USD50- USD60 per barrel in 2017 as analysts
OUTLOOK: NEUTRAL
the long run and also enable IHH to benefit
from the appreciation of the property.
OUTLOOK: NEUTRAL
TA Securities: KPJ Healthcare Bhd
maintained cautiously optimistic on its
outlook in 2017. Management is cautious of
downside risks from uninspiring consumer
sentiment on patient traffic and the
weakening ringgit inducing inflation to drugs
opine that oil price would face resistance
when it nears USD60 per barrel as more
US shale producers would ramp up their oil
production swiftly, bringing it back to its old
vicious cycle.
Energy Information Administration (EIA):
Global crude oil production is expected to
have increased 1.6 million bpd in 4Q2016
with OPEC accounting for 0.9 million bpd or
55% of this increase. Global production is
expected to increase to 97.5 million bpd in
2017 to 98.9 million bpd in 2018. Meanwhile
although global inventories increased an
average of 0.9 million bpd in 2016, it is
expected to tighten over the next two years
and by second half of 2018, inventories
are expected to decline by average of 0.1
million bpd.
Malaysia Airports Holdings Bhd (MAHB) is
targeting 5%-7% passenger growth in 2017
as Malaysian passenger growth is expected
to remain robust from strong travel demand
coupled with increased capacities from
airlines (AirAsia and Malindo). MAHB also
is working diligently towards closing some
deals to kick-start the development of KLIA
Aeropolis cargo-logistics-aerospace hub and
develop 300-400 acres for the cargo, logistics
and aerospace development.
Malaysia is expected to record the highest
ratio in outbound travel in relation to the
total number of households with 198.7% by
2021 from 178.4% in 2016. A recent Future of
Outbound Travel in Asia-Pacific (2016-2021)
report by Mastercard revealed that Malaysia
is the highest among emerging markets and
fourth highest after Singapore, Hong Kong
and Taiwan.
and medical supplies. Nevertheless, on
the back of robust demand for healthcare
services, industry analysts are optimistic
for operations to be buoyed by increased
revenue potential from expansion and
the ramp-up of newer hospitals under the
KPJ group.
Healthcare provider, TMC Life Sciences,
aims to increase its income from foreign
medical tourism to 25% by 2020 from
10%, currently.
The impact of the current foreign
exchange movement on the healthcare
sector would become cheaper for
medical tourists to seek treatment in
Malaysia and these include those from
Singapore, Thailand and China.
The company is in the midst of
expansion on its hospital project in
Iskandariah, Johor Baharu and Kota
Damansara Tropicana Medical Center,
to add on capacity, thus attracting
more patients.

WHOLESALE AND RETAIL
RECENT DEVELOPMENT
MIER: The Retail Trade Index (RTI) shed by
20.2 points, to settle at 91.4 points in the
4Q2016. Generally, the end of year is the
bustling period, with busy year-end holiday
shopping period. The fact that the index has
slid below the 100-point threshold indicates
that the sector is on contractionary mode i.e.
business growth has decelerated.
The Current Performance Index (CI)
consists of for components namely - the
current sales, business situation, the new
orders and the gross margin component
settled at 47.3 points in 4Q2016, down
by 6.6 points from the previous quarter.
This indicates that sales were limp in the
quarter.
The Expectation Performance Index (EI),
which measures expectation of the retail
sector in the coming month, settled at
44.1 points, down from 57.7 points in
the 3Q2016. Retailers are less optimistic
on the outlook for 1Q2017 as both
components under EI namely expected
COMMUNICATIONS CONTENT AND INFRASTRUCTURE
RECENT DEVELOPMENT
Gartner Inc.: Global personal computer (PC)
sales fell by 6.2% YoY to 269.7 million units in
2016 from a year ago, extending the decline
in sales for the fifth straight year. In the fourth
quarter of 2016, worldwide PC shipments
fell 3.7% YoY to 72.6 million units, a decline
of 3.7% YoY from the preceding year. The
stagnation in the PC market continued into
the fourth quarter of 2016 as holiday sales
were generally weak due to the fundamental
change in PC buying behavior also technology
improvements have not been sufficient to
drive real market growth.
IDC Inc.: Global smartphone shipments
reached 428.5 million units in the 4Q2016,
increasing 6.9% YoY. For all of 2016, global
smartphone shipments totaled 1.47 billion, up
2.3% on year. IDC expects a few turnarounds
in 2017, forecasting a rebound in iPhone
shipments thanks to the launch of the next-
generation iPhone devices, while the markets
in the Middle East and Africa (MEA) and
Latin America regions are expected to return
BUSINESS SERVICES
RECENT DEVELOPMENT
Terengganu targets to become maintenance,
repair and overhaul (MRO) hub in the Asia-
Pacific region by 2022. This was following
a RM229 million MRO project undertaken by
the state government in collaboration with
aircraft maintenance company, Admal Sdn
Bhd. The project will be undertaken in three
phases under the Sultan Mahmud Airport
development plan, including the construction
of airport apron, workshops and refueling
facilities.
MIER: The Automotive Industry Index (AII)
registers higher at 120.8 points in 4Q2016
from 115.5 in 3Q2016. The CI increased by
9.5 points to settled at 54.4 points. Stronger
than expected December 2016 sales were
due to year-end festive sales promotions
which lifted total industry volume.
sales and expected business conditions
weakening.
OUTLOOK: NEUTRAL
MIDF Research: The retail segment
is not expected to show a meaningful
recovery in 2017. The consumer price index
rose by 1.8% YoY in December 2016 mainly
to growth. Buoyed by other driving factors,
growth in 2017 should improve slightly from
2016's results.
OUTLOOK: POSITIVE
Malaysia Digital Economy Corporation
(MDEC): E-commerce players in Malaysia
are gearing up for a boom in the industry as
online shopping, as well as the overall digital
economy, accelerates by leaps and bounds.
Internet penetration in Malaysia stands at
67%, while e-commerce contributes 5.8% to
the nations GDP, just 0.6% below the target
set for 2020.
Malaysias e-commerce market will
continue to be highly attractive with a lot
of opportunities to grow. The increasing
consumer spending, the growing
number of internet users and the greater
acceptance of mobile e-commerce are
the main drives.
Business Monitor International (BMI):
Malaysia's e-commerce market is expected
However, consumer spending is expected
to remain sluggish in 1H2017 as
consumers become increasingly cautious
of committing to big-ticket consumer
discretionary spending, given the rising
cost of living.
OUTLOOK: NEUTRAL
Malaysia Digital Economy Corp Sdn
Bhd (MDEC) is optimistic that revenue
generated by the data centre service industry
in the country would exceed RM1.0 billion
in 2017. MDEC also planned a 10%-15%
annual growth for the data service sector,
while turning it into a RM2.0 billion revenue
generating industry by 2020, with the
provision of more incentives to attract foreign
BizPulse | Issue 13 : February - March 2017 7
Business Alert
contributed by the increase in food and
non-alcoholic beverage, while prices of
clothing and footwear continued to drop
throughout 2016, which signals stiff price
competition. In addition, the consumer
sentiment index for 4Q2016 dropped to
69.8 (-3.8 points), which is attributable to
the pessimistic view of consumers towards
the current economic environment. Due
to the rising prices of consumer staples,
spending on consumer discretionary items
is expected to reduce. These factors will
retain pressure on top-line revenue, coupled
with high operating costs; analysts do not
expect that the retail segment will show a
meaningful recovery in 2017.
Hong Leong Research: The consumer
sector is anticipated to experience slow
recovery in 2017. While effect of GST
continues to fade, there is downward
pressure on disposable income arising
from weak ringgit and decline in corporate
profitability
to reach USD3.8 billion in 2017, a 33.9% YoY
increase. Malaysia's geographical location
at the heart of Southeast Asia (SEA), its
developed infrastructure, increasingly
tech-savvy population and rising mobile
and broadband penetration rates, point
to strong potential for the country's
e-commerce market. Despite its relatively
small population, fast internet speeds and
a supportive government framework will
provide a boost to the industry.
players. Malaysia has more than 20 data
centers, with more than 90% owned by local
players. The industry is currently valued at
around RM900 million, which is relatively
low, when compared to leading players like
Singapore and Hong Kong.
CIMB Research: The rollout of new infra
jobs suggests more upside to the 2016s
RM47.5 billion value of infra jobs awarded.
Analysts expect the sectors award season
to regain momentum from 2Q2017.
Prasarana, will start awarding major
contracts for the 37km Light Rail Transit
3 (LRT 3, Bandar Utama-Klang) project
in May 2017. The RM9 billion estimated
cost could be revised upwards.
Issue 13 : February - March 2017 | BizPulse
8 BizPulse | Issue 13 : February - March 2017
URUS BESTARI
T
eknologi digital yang relevan
boleh memberikan impak positif
jika digunakan dalam sesebuah
perniagaan. Selain menjadi
komponen penting dalam perniagaan,
perhubungan harmoni di antara pendigitalan
dan perniagaan harus diwujudkan. Malah,
jika penggunaan pendigitalan diabaikan,
perniagaan akan hilang daya saing samada
di peringkat tempatan dan global.
Teknologi digital yang diterapkan
dalam pelbagai bidang perniagaan seperti
telekomunikasi, peruncitan, broker saham,
kewangan dan sebagainya adalah untuk
tujuan kebaikan. Malah, , teknologi ini akan
terus menjadi sebahagian atau komponen
dalam apa juga jenis perniagaan.
Merujuk kepada kelebihan perniagaan
digital, wujudnya angin perubahan dari segi
persaingan samada dalam dan luar negara.
Jadi, syarikat perlu menggunakan teknologi
untuk meningkatkan hasil, mengurangkan
kos operasi, meningkatkan kepuasan
pelanggan, rakan kongsi dan pekerja.
Selain membantu dalam peningkatan
hasil, penggunaan digital juga dapat
Teknologi Digital
Dalam Perniagaan
BizPulse | Issue 13 : February - March 2017
mengembangkan capaian ke negara lain
dengan wujudnya teknologi canggih seperti
Internet dan e-dagang. Persoalannya
sekarang, bagaimana teknologi pendigitlan
boleh digunakan pakai untuk membantu
perniagaan menjadi lebih cekap.
Mengenai kepentingan cantuman
digital dalam perniagaan sepanjang masa,
wujudnya hubungan yang harmoni di
antara teknologi dan perniagaan, misalnya
teknologi maklumat (IT) boleh membantu
syarikat agar lebih berjaya. Hubungan ini
perlu, tetapi menekankan peranan 'orang'
sebagai salah satu elemen penting untuk
memastikan teknologi yang digunakan
berfungsi. Jadi, tumpuan kepada pengguna
digital perlu menerusi pendidikan dan
latihan agar mereka memahami bagaimana
teknologi mewujudkan hubungan harmoni
untuk pertumbuhan perniagaan.
Walaubagaimanapun, selain
membina, teknologi digital boleh juga
membinasakan. Teknologi digital membina
dari segi penyediaan aplikasi, peningkatan
produktiviti, kecekapan, dan perkara lain
yang baik, hasil penggunaan teknologi.
Manakala, bahagian yang merosakkan
boleh dilihat dalam beberapa aspek,
contohnya apabila perniagaan menjadi
terlalu produktif dan kecekapan meningkat,
maka berlaku kejatuhan harga produk.
Ini menyebabkan perniagaan berkenaan
lebih sukar bersaing untuk mengekalkan
atau meningkatkan bahagian pasaran.
Kesannya, ada perniagaan yang terus
lemah dan gagal.
Bagaimanapun, realiti kejayaan
sesebuah perniagaan tidak tertakluk
kepada teknologi digital semata-mata.
Syarikat perlu asas perniagaan yang
baik dalam ekonomi baru kerana model
perniagaan yang baik dari segi kewangan
akan berjaya. Teknologi pada asasnya
hanya membantu dan pengusaha tidak
boleh lari daripada kenyataan bahawa
perniagaan perlu asas dan model yang baik.
Contohnya, model terbaru seperti 'brick and
click' sekali pun perlu asas perniagaan yang
baik untuk dijalankan. Jika tiada model
perniagaan yang baik untuk digabungkan
dengan inovasi dan teknologi pintar, maka
perniagaan itu tidak akan berjaya.
oleh Bahagian Penyelidikan CEDAR
Diolah & alih bahasa oleh CEDAR

7 Ways to Get Better
at Selling in Retail
Almost anyone can learn to be a great retail seller if they follow these principles:
1
MAKE A FRIEND
Rapport-building sounds so technical
and de-personal and yet it is the heart
of making any human interaction a
success. Finding something in common,
something not related to the merchandise
in front of the customer begins to build
rapport. It requires a salesperson to notice
something physical like jewelry, clothing,
even the type of smartphone the person
in front of them has. The salesperson
then comments on that item with a
question and shares something related
about themselves based on what that
customer answered. It works most of the
times. It acknowledges that each person
is unique, different and interesting both
the customer and the salesperson. But it
does take retail sales training to make it
happen.
2
BE HONEST
Most customers are savvy enough to
tell when someone is being honest with
themand they like it! If they feel they
can trust you, theyre more likely to buy.
Never overstate the value of a product
or service, and dont gloss over potential
shortcomings. Not only does dishonesty
hurt your store and your own reputation
it makes people leave without buying!
That means if you dont know, you dont
just shrug your shoulders; you tell them
you will find the answer right then from
someone else who knows.
3
ADD-ON, UPSELL OR CROSS-SELL
Great salespeople always try to increase
the sales total once the customer has
selected their main item or product. For
example, if you were selling all-leather
shoes and a customer kept talking about
how much they got caught in the rain, it
would be a good upsell to show them the
rainproof spray at the counter. You are
doing the customer a service, not trying to
load them up on worthless product. Other
times, youre appealing to customers
desires, which sometimes are not clarified
in their own minds. If you can identify what
a person is really after, you can gear your
selling toward meeting that desire and can
often make a larger sale, as well as make
the customer happy by finding additional
products that will make their purchase
easier, faster, more stylish or complete.
4
LEARN FROM YOUR SUCCESSES
AND MISTAKES
You dont stop learning to be a salesperson
when your training is overits an ongoing
process. Why? Because great salespeople
are students of behaviors. They want to
understand why a customer did or didnt
buy from them, what they might have
done differently or how they might have
presented the higher-priced merchandise
more appealingly. Great retail salespeople
treat each customer as an opportunity to
learn what works and what doesnt, and
they always look for ways to improve.
5
GO THE EXTRA MILE
Selling is like anything elsepersistence
pays off. You dont want to be pushy,
but you also want to be diligent in your
follow-up, both pre-sale and after-sale
if necessary. Show customers that you
genuinely care about their experience
and want to help them. Thats because
BizPulse | Issue 13 : February - March 2017 9
POINT-OF-SALE
by CEDAR Research Team
so many other retailers couldn't care
less about their customers. Consistently
making small personalized contact can go
a long way toward increasing your sales. In
many ways, making a sale is a courtship,
and theres nothing wrong with wooing
customers as long as youre honest and
forthright.
6
PAY ATTENTION TO CUSTOMER
PSYCHOLOGY
Great salespeople focus on reading
customers personalities and making
adjustments in sales technique based
on the personality type. For example,
introverts require a different selling
approach than extroverts do. Take note
of how various kinds of people react
differently to sales approaches, and alter
your techniques accordingly.
7
DONT ACT DESPERATE
No matter how much you want to make
a sale or need to make a sale, dont
approach a customer with dollar signs in
your eyes. Remember that youre selling
them something that will make their lives
better (or you should be), and your attitude
ought to reflect that to the customer. They
should feel like youre helping themnot
that theyre helping you! These arent the
only ways to be better at selling, but the
best are always looking for ways to stay
the best. Practice these tips daily and
youll enjoy riches your friends who are
afraid to sell could never dream of.
- Adapted from: entrepreneur.com (USA)
Issue 13 : February - March 2017 | BizPulse
10 BizPulse | Issue 13 : February - March 2017
PENGURUSAN SUMBER MANUSIA
Mewujudkan Budaya Kerja
Yang Produktif
T
idak kira jenis perniagaan,
antara faktor yang menentukan
kejayaan adalah pekerja yang
tekun, produktif dan boleh
dipercayai. Pekerja sebagai modal insan
sesuatu syarikat merupakan faktor yang
menentukan sama ada syarikat meraih
keuntungan yang tinggi atau sebaliknya,
apa pun jenis produk atau perkhidmatan
yang dihasilkan. Produktiviti firma
terjamin sekiranya tenaga kerja memberi
tumpuan penuh kepada tugas. Dalam
bahasa Inggeris ini dikatakan engaged.
Pembangunan kakitangan yang
produktif melibatkan satu faktor
bukan kuantitatif, tetapi itulah yang
membangkitkan semangat dan
kemahuan untuk bekerja bersungguh-
sungguh. Pekerja yang tidak mempunyai
semangat ini tidak akan merasa sayang
atau komited terhadap pekerjaan dan
organisasi. Jika firma tidak berusaha
membangunkan semangat ketekunan
dan komitmen ini, tahap produktiviti dan
seterusnya prestasi firma akan terjejas.
Pekerja yang produktif perlu merasa
selesa bekerja, dilingkungi persekitaran
yang menggalakkan. Pekerja perlu yakin
bahawa pihak pengurusan prihatin dan
senantiasa menjaga kesejahteraan
dan perkembangan kerjaya mereka.
Sebarang ketidakpuasan mereka diberi
perhatian dan diselesaikan secara wajar.
Pekerja yang produktif dan positif
mengamalkan sikap melihat kesilapan
sebagai satu peluang pembelajaran
Shahrir Amran adalah Pengarah Kumpulan Modal Insan, SME Bank Malaysia. Beliau boleh dihubungi di shahrir.amran@smebank.com.my
BizPulse | Issue 13 : February - March 2017
by Shahrir Amran
kendiri ke arah produktiviti yang lebih
tinggi. Apa yang harus dilakukan
majikan ialah memberi teguran
dan meminta pekerja supaya tidak
mengulangi kesilapan tersebut. Dengan
tindakan seperti ini, pekerja akan
komited dan setia kepada majikan yang
telah menunjukkan sikap bertolak ansur
terhadap mereka. Pekerja akan sedar
bahawa majikan peka akan kepentingan
mereka dan ini akan membangkitkan
motivasi intrinsik (dalaman) untuk
bekerja dengan baik.
Usaha bagi menarik minat
pekerja untuk memberikan tumpuan
penuh kepada tugasan harian harus
dilaksanakan secara berterusan.
Strategi berterusan untuk mewujudkan
budaya kerja yang memberangsangkan
akan meningkatkan prestasi pekerja,
pencapaian dan penambahbaikan
organisasi secara berpanjangan. Budaya
seperti ini akan melahirkan pekerja yang
senantiasa asyik melakukan tugas yang
dipertanggungjawabkan dengan aktif,
ceria dan pantas.
Pekerja yang produktif mempunyai
integriti dan sikap yang betul terhadap
pekerjaan. Pekerja tersebut akan
bekerja ke arah kecemerlangan. Mereka
tabah dalam menghadapi cabaran
dan rintangan dengan sikap positif,
tidak sombong atau cepat berpuas
hati. Mereka setia kepada organisasi,
mengamalkan meritokrasi, dan mahu
belajar secara berterusan dan mengikuti
perkembangan teknologi supaya tidak
menjadi redundan.
Ada beberapa cara untuk
membangunkan kumpulan pekerja
yang bersifat engaged. Antaranya,
pengambilan pekerja yang sesuai.
Pengambilan pekerja adalah satu
perkara yang amat penting. Pekerja
mestilah mempunyai kelayakan, bakat
dan sikap yang sesuai bagi organisasi
tersebut.
Pekerja harus juga disokong
dalam menjalankan tugas. Bimbingan
dan tunjuk ajar harus mudah untuk
diperoleh. Ini akan mengurangkan stres.
Penyelia harus dapat membantu jika
pekerja mengalami masalah, khususnya
teknikal. Sekiranya teknologi baharu
diperkenalkan, latihan menggunakannya
mestilah cukup. Kesulitan yang dihadapi
berhubung dengan proses kerja baharu
mestilah diberi perhatian yang wajar
oleh pihak majikan.
Penyelia pekerja yang terdekat
mestilah menggunakan prinsip-prinsip
kecerdasan emosi dalam perhubungan
dengan pekerja. Penyelia mesti dapat
berinteraksi dengan baik, saling
menghormati dan memahami pekerja,
dan maklum akan tugas dan kekangan
pekerja. Penyelia harus menunjukkan
yang mereka benar-benar mengambil
berat tentang pekerja, dan mendengar
masalah serta bersedia menerima idea
dan cadangan mereka.

Temubual oleh Norhisham Hamzah
SEMBANG USAHAWAN bersama
menyelenggara BookDoc, applikasi mudah
membolehkan pesakit untuk mencari doktor
D
ato Beh merupakan seorang pemegang
ijazah dari Universiti Virginia dan juga
pernah menuntut di Universiti Harvard.
Beliau juga merupakan seorang
Penganalisa Pelaburan Alternatif Bartauliah,
CAIA (Chartered Alternative Investment Analyst)
dan memulakan kerjayanya di sebuah bank
pelaburan di firma pelaburan berprestij di
Amerika Syarikat. Tidak lama selepas itu,
Dato' Beh menyertai salah satu syarikat
utama dalam industri penjagaan kesihatan
di Malaysia. Dalam tempoh kurang dari 5
tahun, Dato' Beh berjaya mengembangkan
bilangan pelanggan syarikat tersebut kepada
lebih 2 juta individu, meningkatkan bilangan
tenaga kerja daripada kira-kira 400 orang
kepada lebih 1,300 ahli, dan mengembangkan
unit perniagaan syarikat tersebut (pusat
perubatan, diagnostik, pergigian, makmal,
klinik mata dan pendengaran) daripada 101
kepada lebih 180 unit perniagaan.
Berdasarkan pengalaman beliau dalam
industri penjagaan kesihatan, Dato' Beh baru-
baru ini telah mengambil langkah berani
dalam merevolusikan industri penjagaan
kesihatan dengan melancarkan BookDoc.
Ia kini berdiri sebagai salah satu syarikat
startup yang paling mendapat perhatian di
Asia berdasarkan pemerhatian media dan
sokongan pelabur melalui modal teroka
yang terkumpul. Mengagumkan dari segi
pendekatan dan ekspresif dalam niatnya,
Dato Beh telah berkongsi bersama BizPulse
tentang BookDoc dan juga pengalaman dan
pendapat beliau dalam dunia keusahawanan.
S: Bolehkah ceritakan secara ringkas tentang
BookDoc dan apakah yang mendorong anda
untuk menghasilkan aplikasi ini?
Dalam terma yang paling mudah, BookDoc
adalah applikasi tempahan atas talian
yang bertujuan untuk menghubung dan
memadankan penyedia penjagaan kesihatan,
dengan pelanggan. BookDoc telah berjaya
menyelesaikan salah satu daripada
cabaran tradisi yang dialami oleh pengguna
penjagaan kesihatan.
Dato Chevy Beh
Ketua Pegawai Eksekutif
Nama Syarikat
Health4U Solutions Sdn Bhd
Bidang Perniagaan
Mereka bentuk, membangunkan dan
alih yang memadankan pesakit dengan
penyedia penjagaan kesihatan, yang
terdekat dan membuat temu janji.
Alamat Perniagaan
Suite 6.03A, Level 6, Menara OBYU 4
Jalan PJU 8/8A, Damansara Perdana
Petaling Jaya, Selangor
Telefon
1-300-88-2362
Email
care@bookdoc.com
Website
www.bookdoc.com
Idea untuk menghasilkan BookDoc
datang selepas seorang kawan rapat saya
melalui pengalaman demam denggi yang
hampir membawa kepada kematian. Selepas
mengalami simptom awal demam, beliau
menjalani ujian darah di hospital dan diminta
pulang kerana keputusan negatif. Namun tiga
hari kemudian keadaan demam beliau tiba-
tiba menjadi lebih teruk.
Semasa menunggu di kaunter
kemasukan hospital, kawan saya menyedari
bahawa gusi beliau mula berdarah dan beliau
mula berasa sakit secara drastik. Doktor yang
merawat memberitahu sekiranya kawan saya
terlambat beberapa jam datang ke hospital,
nyawanya mungkin dalam bahaya.
Selepas kejadian itu, saya komited
untuk melakukan sesuatu bagi menangani
ketidakcekapan dan asimetri maklumat dalam
penjagaan kesihatan. Saya mengilhamkan
BookDoc dengan matlamat untuk
meningkatkan ketepatan masa diagnosis dan
membantu pesakit untuk mencari rawatan
dan penjagaan kesihatan yang paling sesuai
dengan masalah kesihatan yang dihadapi.
S: Apakah strategi atau konsep perniagaan
anda yang berbeza daripada pesaing lain?
Selain mendapat pengesahan rasmi oleh
Kementerian Pelancongan dan Kebudayaan
Malaysia, pasukan BookDoc mempunyai
pengalaman bergabung lebih daripada
150 tahun, yang terdiri daripada pakar
penjagaan kesihatan, profesional ICT dan
insurans, usahawan, bank, pengawal selia
dan penggubal dasar, dengan kepakaran
pengurusan dalam seluruh Asia, manakala
pengasas kami, Joel Neoh, telah terkenal
dengan teknologi startup dengan pencapaian
beliau sebagai pengasas Groupon Malaysia
dan sebagai Ketua Pegawai Eksekutif
Groupon Asia Pasifik.
Kumpulan Penasihat BookDoc terdiri
daripada 6 doktor yang pakar dalam bidang
masing-masing, untuk menasihati BookDoc
dalam hal-hal strategik yang berkaitan
dengan kandungan, etika perubatan, dan
perkara-perkara kawal selia tempatan dan
BizPulse | Issue 13 : February - March 2017 11
SEMBANG USAHAWAN
ANALYSIS
antarabangsa. Mereka adalah penasihat
berpengalaman dan profesional yang
antaranya, pernah memegang jawatan
sebagai Ketua Pengarah Perkhidmatan
Kesihatan Angkatan Tentera, penasihat
kepada Pertubuhan Kesihatan Sedunia (WHO),
Persatuan Bangsa-Bangsa Bersatu (PBB), dan
Presiden Persatuan Perubatan Malaysia.
Kami juga menjalin kerjasama strategik
dengan Grab secara eksklusif dengan
menghubungkan kemudahan perkhidmatan
dari tempahan atas talian kepada
pengangkutan fizikal untuk semua pengguna.
Kami juga berkolaborasi dengan Yayasan
Buah Pinggang Kebangsaan Malaysia
(NKF) & Persatuan Kanser Kebangsaan
Malaysia (NCSM) untuk meluaskan akses
penjagaan kesihatan.
S: Apakah pencapaian terbesar syarikat
setakat ini dan aspirasi perniagaan anda di
masa akan datang?
Sejak dilancarkan pada tahun 2015, BookDoc
telah memenangi pelbagai anugerah berprestij,
diantaranya adalah "The Brandlaureate Great
Entrepreneur Brand ICON Leadership Award
2015", Winner of Year 2016 for Excellence of the
Year for Innovation Mobile Healthcare Technology
South Asia, Hong Kong, Frost & Sullivan GIL
Malaysia 2016 Investors' Pit Challenge, Talent
Unleashed Award 2016, Sparks Award 2016
Best Media Solution - Mobile Category, dan
2016 Innovation Excellence Award in Mobile
Healthcare Technology in Southeast Asia by
Frost & Sullivan.
BookDoc baru-baru ini memeterai
perjanjian kolaborasi dengan dua penyedia
penjagaan kesihatan utama di Hong Kong,
Quality HealthCare Medical Services Limited
(QHMS) dan Asia Medicare (HK) Limited
(Asia Medicare). BookDoc kini meliputi lebih
50 peratus daripada perkhidmatan klinik
swasta di Hong Kong hasil dari kolaborasi
baru ini, membawa kami satu langkah lebih
dekat untuk menjadikan akses penjagaan
kesihatan lebih mudah; bila-bila masa dan di
mana-mana sahaja.
BookDoc juga telah memeterai
perkongisan dengan rantaian pharma
Guardian dan dilantik sebagai platform
penjagaan kesihatan atas talian yang rasmi
kepada Kementerian Pelancongan dan
Kebudayaan Malaysia yang berkhidmat untuk
lebih daripada 30 juta pelancong asing.
Visi BookDoc adalah untuk meningkatkan
akses kepada penjagaan kesihatan dan
mengoptimumkan modal insan. Dalam masa
beberapa tahun akan datang, kami bercita-
cita untuk menjadi Alibaba atau Amazon bagi
penjagaan kesihatan di Asia keseluruhannya.
Issue 13 : February - March 2017 | BizPulse
12 BizPulse | Issue 13 : February - March 2017
KNOWLEDGE SPA
Kuasai Perniagaan Internet
Perniagaan Digital Untuk Semua
Pengarang: Wan Nong Muzafar
Jumlah Mukasurat: 204
Penerbit: Kumpulan Karangkraf
Sdn Bhd
D
alam dunia perniagaan hari ini,
scenario bagaimana sesuatu urus
niaga dilakukan tidak lagi bersifat
one-way. Sebelum wujudnya
internet, pemilik perniagaan hanya perlu
menawarkan produk atau perkhidmatan
yang dijual melalui pengiklanan di TV, radio
atau bercetak. Sekiranya iklan tersebut
berjaya menarik minat pelanggan, maka
kebarangkalian jualannya akan melonjak
tinggi. Sekalipun produk atau perkhidmatan
yang berada di pasaran mungkin tidak
mencapai tahap yang diinginkan oleh
penggun, mereka tetap akan mendapatkan
ENTREPRENEURS EVENT CALENDAR
Leadership and
19-23 Strategic Thinking in
March the Oil and Gas
Venue:
The Royale Chulan Hotel Kuala Lumpur,
Kuala Lumpur
This conference is designed for those
individuals wanting to develop their
leadership and strategic thinking skills
within this complex and fast evolving Oil
& Gas industry. It provide a structured
and coherent framework for identifying
and responding to opportunities and
the importance of linking strategies
developed to wealth maximization
objectives within the Oil & Gas
industry context.
www.10times.com/malaysia
BizPulse | Issue 13 : February - March 2017
produk atau perkhidmatan tersebut
kerana mereka kurang pilihan atau tiada
alternatif lain.
Ini amat berbeza dengan senario
perniagaan hari ini kerana para pengguna
tidak mudah dipengaruhi oleh iklan-iklan
yang terdapat di luar sana. Ini kerana
kewujudan media sosial dan laman web
seperti Facebook, Instagram, laman
Mudah.com dan seumpamanya yang telah
mengubah corak pembelian para pengguna.
Oleh sebab itu, sebagai peniaga, kita
tidak boleh mempunyai mentaliti untuk
menjadi jurujual sahaja. Kita perlu sedar
bahawa pengguna hari ini lebih sofistikated
berbanding pengguna - pengguna dahulu.
Produk yang dihasilkan perlu memenuhi
kehendak pengguna, jika tidak, mereka
mampu mempengaruhi jualan menerusi
komen - komen (feedback) negatif
secara langsung.
Dunia media sosial juga memujudkan
satu hubungan terus di antara pengguna
dan penjual melalui aplikasi perhubungan
digital (WhatsApp, WeChat, Line dan
sebagainya), maka para penjual perlu
memastikan tidak wujud jurang yang sangat
besar dengan para pengguna. Sekiranya
hubungan komunikasi ini berjalan dengan
baik, pengguna akan lebih percaya dan setia
pada jenama penjual.
Kesimpulannya, sebagai seorang
usahawan digital, objektif anda ialah untuk
memenuhi kehendak (needs) pengguna atau
5-8 Malaysia International
April Halal Showcase
Venue:
Kuala Lumpur Convention Centre
(KLCC)
This 4-days event showcases products like halal
food products, meat processing equipment,
packaging products, food grade preservatives,
spices, beverages, flavor enhances, chemicals,
emulsifies, halal certified organic products,
agricultural produce and such others etc. in
the Household Consumables industry.
www.exhibition.com.my/mihas
oleh Hisham Hamzah
menyelesaikan masalah mereka melalui
produk atau perkhidmatan yang anda
niagakan. Namun dalam proses perniagaan,
produk atau servis yang dihasilkan perlulah
pada kualiti yang optimum dan pada harga
yang berpatutan kerana perniagaan dalam
dunia digital amat peka terhadap fakto-
faktor ini.
Bagaimanapun, perniagaan dalam
dunia digital tidak semestinya menjanjikan
keuntungan, malah ada juga yang rugi.
Bagi mana-mana perniagaan, asas utama
perniagaan perlu difahami terlebih dahulu
bagi memastikan perniagaan dapat
diuruskan dengan cara yang terbaik. Antara
asas-asas yang perlu difahami adalah kos
produk, pengurusan kewangan, pengurusan
inventori dan penjenamaan dan pemasaran.
Kuasai Perniagaan Internet oleh
Wan Nong Muzafar mengandungi topik-
topik menarik seperti Asas Pengenalan
Dunia Digital; Kaedah Meningkatkan
Jualan Dengan FaceBook, Instagram dan
WhatsApp; Pemasaran Efektif Menerusi
Emel; dan Mengenali Asas Laman
Sesawang. Pengarang menerangkan
pelbagai teknik mudah dan praktikal
untuk memanfaatkan pelbagai saluran
media sosial tersebut untuk memperkenal
dan meningkatkan jualan barangan dan
perkhidmatan usahawan - usahawan,
menggunakan bahasa yang sangat mudah
difahami oleh pelbagai peringkat umur
dan latarbelakang.
7-9 International Medical
April Education Conference
Venue:
International Medical University IMU,
Kuala Lumpur
The conference will cover areas like
recognising cultural and value-based
experiences and challenges in health
professions education both nationally and
internationally. Development of strategies
and recommendations to cope with
challenges by using the best evidence and
practices in health professionals education.
www.imu.edu.my/imec