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bijak wang - hutang dan pinjaman

bijak wang - hutang dan pinjaman

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Published by: MOHD. ADHA MOHD. ZAIN on Feb 06, 2010
Copyright:Attribution Non-commercial

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02/01/2013

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FORMULA SIMPANAN
Wang Masuk \u2013 SIMPANAN = Perbelanjaan
Wang Masuk\u2013 Perbelanjaan = SIMPANAN
SIMPANAN = Berapa Peratus dari Wang Masuk
SUMBER: HIJRAH WEALTH
LANGKAH KEARAH MEMBINA TABUNGAN

Langkah 1: Membuat perancangan
- Tetapkan matlamat (Begin with an end in mind)
- Lakar peta kewangan anda (big picture)
- Dapatkan khidmat nasihat

Langkah 2: Analisa pendapatan & perbelanjaan bulanan
- jumlah defisit/lebihan

Langkah 3: Pilih instrumen kewangan yang sesuai
- Islamik
- Tahap pengambilan risiko

- Kecairan
- Jangka masa panjang (> 5 tahun)
Langkah 4: Mulakan tabungan
- Istiqamah
Langkah 5: Pantau perkembangan
SUMBER: HIJRAH WEALTH
AGIHAN PENDAPATAN
AGIHAN PENDAPATAN
SUMBER: HIJRAH WEALTH

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