FARMASIA Business Plan v3.0 Syafik

FOR QUALIFIED INVESTORS ONLY
BUSINESS
PROPOSAL
2019-2023
REVISED 28112018
TRENDING
NOW
BUSINESS PROPOSAL 2018 FARMASIA SDN BHD І Advanced Care Today
ASIA HEALTHCARE TREND

• Double digit growth rates drive Asia to contribute 28% of
global healthcare industry revenue.
• Asian healthcare industry is expected to grow by 11.1% in
2018, representing one of the fastest growing regions in
the world.
• This positive growth is fuelled by the increasing adoption
of technology, innovative healthcare access programmes
and the delivery of care outside of traditional hospital
settings.
• Frost & Sullivan estimates that the Asian healthcare
industry will grow to US$517 billion in 2018.
• Key industry issues needing attention include policy XXX
innovation, support for new business models,
development of patient-focused technology platforms
and the evolving role of consumers in healthcare.
2016 © Copyrights Reserved

2018
MALAYSIAN HEALTHCARE INDUSTRY

HAS BEEN A GROWING MARKET IN
ASIA’S COMPELLING HEALTHCARE
OPPORTUNITIES DRIVEN BY THE
EMERGENCE OF A RAPIDLY
GROWING MIDDLE CLASS, SOLID
GROWTH IN DISPOSABLE INCOME,
AGEING POPULATION AND THE
INCREASING PREVALENCE OF
LIFESTYLE DISEASES, AND NKEAS OF
MALAYSIA’S ECONOMIC
TRANSFORMATION PROGRAM.

INDONESIA’S HEALTHCARE
INDUSTRY CONTINUES TO GROW
RAPIDLY AND REMAINS A
LUCRATIVE INVESTMENT
OPPORTUNITY FOR LOCAL AND
GLOBAL INVESTORS. ALMOST ALL
ASPECTS OF THE HEALTHCARE
INDUSTRY INCLUDING HOSPITALS,
MEDICAL INSURANCE AND MEDICAL
DEVICES, SHOWED SIGNIFICANT
INCREASES IN SALES.

ABOUT
FARMASIA
ABOUT FARMASIA
Established in May 2007, Spearheaded by ISO 13485 & GDPMD

located in Bangi of Malaysian entrepreneurs certified and registered
Selangor (office and Mr. Mohammad Zaid and under Malaysian Ministry
factory) Madam Zohrah Razak. of Finance.
One-stop contract
100% Bumiputra-status Primarily involved in
manufacturing for
medical devices medical devices and
primary packaging (OTC
manufacturer and training for hospitals,
products, medical
distributor. clinics, GLAs, GLCs etc.
devices).

WHAT WE DO
Creation, production Innovation with rigorous Committed to deliver

and distribution of R&D through group’s long-term investment
medical devices and proficiency, integrity and results for investors.
pharmaceutical products. accountability.

ASPIRATION @ FARMASIA INNOVATION

OUR ASPIRATION TOWARDS
Vision Mission INNOVATION:
To help Asians improve To be a leading premier
HERE AT FARMASIA, WE
their health and lifestyle company in researching,
by bringing advance discovering and CONSTANTLY FIND WAYS TO
technology products that manufacturing of top POSITIVELY IMPACT HUMAN
helps in managing their quality products with
HEALTH THROUGH INNOVATION.
pain and difficulties advanced technology to
caused by illnesses or the Asian frontier. BY DOING THIS, WE HELP
injuries that is effective, ENTREPRENEURS REALIZE THEIR
affordable and safe to
DREAMS OF OFFERING
use by all levels of the
society. HEALTHCARE SOLUTIONS THAT
IMPROVE PEOPLES’ LIVES
NATIONWIDE, REGIONWIDE.

BUSINESS PLAN
OBJECTIVES
2019-2023
EXECUTIVE SUMMARY
• Incorporated in May 2007, FARMASIA Sdn Bhd is a 100% Bumiputra company specializing in
manufacturing and distribution of medical devices in Malaysia vis-à-vis the rest of Asian countries.
• ISO 13485 and GDPMD certified company, FARMASIA is in the specialty of medical devices such as
wound closure portfolio, disinfectant portfolio and other OTC products.
• Through strong high knowledge-based team led by founders Mr. Mohammad Zaid HJ AB Rahman
and Madam Zohrah Razak, FARMASIA not only manufactures and distributes top quality medical
devices, but also offers one stop service for contract manufacturing for primary packaging (OTC
products and medical devices) and secondary packaging and repacking (medical device and
pharmaceutical products).
• Actively participated in leading medical exhibitions, FARMASIA has attracted potential OEM
opportunities overseas, and now intend to scale up its businessXXXperformance through solid
funding from private investors.
• The purpose of this business proposal is to seek funding of RM5mil, for the expansion on its
production (both inhouse and OEM manufacturing).

EXECUTIVE SUMMARY
• The following refers to FARMASIA’s key business plan objectives 2019-2023:
5-Year (Overall) Financial

Objectives Objectives
1. Exceeds customers’ (retailers) expectations 1. To seek funding of RM5mil from private
with superior products and pricing. investor for production expansion purpose.
2. Exceeds customers’ (OEM) expectations with 2. Such RM5mil will be allocated for Stock
incredible production performance, KPI (RM3.5mil, 70%), Capital Investment (RM1mil,
assessment and marketing. 20%) and Reserve Fund (RM500k, 10%).
3. To increase clients served by 15% per year 3. Preference share premium at 10% for 5 years.
through superior KPI and marketing strategy. 4. With the anticipated 5% annual growth rate,
4. To develop a financial sound and sustainable FARMASIA intendsXXX to achieve annual turnover
manufacturing company that generates values of RM8.33mil in 2019, increased from
for all stakeholders. RM2.86mil in 2018 (F).

EXECUTIVE SUMMARY
• The following refers to FARMASIA’s key business plan objectives 2019-2023:
Operations Sales & Marketing

Objectives Objectives
1. RM1.17mil for salaries in 2019 is budgeted, 1. To uplift FARMASIA brand/product through
represents 14.1% of annual turnover. effective marketing program through
2. Averagely 18% of salary increment Y-O-Y is estimated 15.5% marketing budget.
projected to facilitate smooth production. 2. Marketing strategy (promotion-driven) will
3. Projected salaries: comprise of print media, social media, retail
• RM1.17mil (2019) innovation and brand activation.
• RM1.52mil (2020) 3. Marketing budget of RM1.36mil (16.3%) is
• RM1.76mil (2021) projected for 2019.
XXX
• RM2.00mil (2022) 4. Promotion-driven strategy will complement
• RM2.25mil (2023) sales operations, to increase customer
4. Production expansion through CAPEX spending through (a) new product introduction
investment of RM1mil. and (b) bulk purchase and/or PWP/GWP.

ASPIRATION: FARMASIA BUSINESS MODEL

FARMASIA Healthcare
Supply Chain Management (SCM) Strategy 2019-2023
• R&D Centre • Facial Care
KEY • Plant Manufacturing
Pharmaceutical
• Body Care
• Machineries • Eye Care
Facilities
FOCUS • Product Products • Baby Care
Formulation • Supplementary Food
1. Medical
• WMS
Devices
2. Pharma
Distribution
Distribution
• Distributors B B • Guardian Pharmacy
Portfolio • Agents
Sole
2 2 • Caring Pharmacy
3. Consumer • GLCs • Alpro Pharmacy
• Hospitals B C • Health Lane Pharmacy
Products
• R&D Partners
• Material
Suppliers • Health Products
Medical
• Investors Partners • Healing Products
• Accountants Contract Devices
• Business Manufacturing
Consultants

BUSINESS MODEL CANVASS (BMC) 2019-2023

KEY PARTNERS KEY ACTIVITIES VALUE CUSTOMER TARGET
• Government-linked • Production for PROPOSITION RELATIONS CUSTOMERS
Companies inhouse and OEM • Product/ Brand • Business • B2C (Pharmacies,
• Pharma Consultants brands Differentiation Development Team Convenience Stores)
• Business Consultants • R&D for inhouse and • Advanced • Marketing Team Supermarkets,
• Agents OEM brands Technology Hypermarkets,
• Investors / Bankers • Sourcing new brands • Price leadership Hospitals, Clinics etc.)
for FARMASIA • B2B (Pharmaceutical
portfolio Companies)
RESOURCES • Tender for contract
CHANNELS
• Founding Team manufacturing
• Retail
• Government Hospitals • Medical
& Clinics Network • FARMASIA website
• Licensee Rights • E-Commerce Sites
XXX
COST STRUCTURE REVENUE STREAMS

• Product Cost • CAPEX • Partnership Rebate • Outright Margins • Consulting Service
• Retailers’ Margins • OPEX • Marketing • Manufacturing Service • Private Label

OPERATIONAL EXCELLENCE
Contract Suppliers (Raw Distributors / Agents
Materials) / Brand Owners
FARMASIA O2O
Healthcare Model
Payment Gateway
… and many
FARMASIA Platforms
… and many Consumers
Production Capacity,
Inventory, Value Add
Services, R&D etc.
Various Channels
XXX
Manufacturer e.g. Pharmacies, Retailers etc.
(for OEM)
Producer / Manufacturer International Shipping, Local Delivery, Inventory, API System Integration, Merchant Recruitment,
Letter of Credit, Payment Terms Database Management, Money Remittance
UPSTREAM DOWNSTREAM

BUSINESS PLAN OBJECTIVES 2019-2023

• In light of tremendous medical and healthcare industry growth and current demand exceeds
supply situation in Malaysia and Asian regions, FARMASIA aims to expand broader market
penetration through:
Mass production of Increase of brand Strengthening customer

medical device and awareness through loyalty through
pharmaceutical portfolio effective marketing XXX impeccable supply,
to fulfill the ever-growing especially ground events, delivery and customer
demand locally, and seminars and talks. service.
regionally.

KEY SUCCESS FACTORS

EXCELLENT IN FULFILLING ASSEMBLY ADHERE TO STRINGENT
PROMISE TECHNOLOGY VALUES & PRINCIPLES
Continuously producing advanced Using the top quality assembly Adhere to stringent control
healthcare and wellness products method while keeping abreast enables us to be financial sound
with uncompromised quality to with technology development and maintains high quality and
customers. to maintain competitive edge. productivity.
LOYALTY MARKETING BROAD DISTRIBUTION

& DEDICATION KNOW HOW NETWORK
The loyalty and commitment of Solid marketing know-how in Extensively broad distribution
our employees are fundamental to the medical and healthcare network that enables us to
XXX
the prosperity and success of the industry assures our constant respond to orders promptly.
organization as a whole. leading market position.

KEY MARKETS
GOVERNMENT
CLINICS & PRIVATE GOVERNMENT HEALTH RELATED
HOSPITALS HOSPITALS INSTITUTIONS AGENCIES
NURSING GP & DENTAL

HYPERMARKETS PHARMACIES COLLEGE & CLINICS
UNIVERSITIES
XXX
THE KEY TO FARMASIA SUCCESS WILL BE CERTAINLY
THE RIGHT MARKET SEGMENTATION BACKED BY OUR
IMPLEMENTATION STRATEGIES.

PRODUCTS
& SERVICES
STRATEGY
FEATURED PRODUCTS
ADVANCED WOUND ATROXENE HEALING FIZZY V CARE

CARE SYSTEM SYSTEM MULTIVITAMIN SYSTEM
Dr Wound, an Advanced Atroxene Flex Emulgel is Fizzy V is a unique
Wound Care System to a natural based ozonized flavoured popping
help accelerate wound extra virgin olive oil that XXXmultivitamin enriched
healing of acute and helps to reduce your with vitamins B2, B3, B5,
chronic wounds, infected joints and muscle pain. B6, B12, C, D3, E, A and
or cavity wounds. Folic acid.

FEATURED SERVICES
• FARMASIA provides a wide range of innovative
solutions, R&D services, OEM and commercialization PHARMAC
MEDICAL
services to medical and skin care products to tackle EUTICAL
technology challenges.
• FARMASIA plays a key role in facilitating the
translation of discoveries into improved clinical care
for hospitals and medical institutions. COSMECEU PERSONAL
• Continued commitment, investments and TICAL CARE
collaboration with CE, SIRIM and GLCs in medical
device technology ensure our innovative products
offer state-of-the-art performance.
XXX
• Our deep technical knowledge with thorough BIOTECH
understanding of nowadays’ consumer application SKIN CARE
NOLOGY
needs assure us to produce innovative products
constantly. Our products can be engineered for a
wide range of industries such as:

OEM OPPORTUNITY: CADER PHARMA

• OEM manufacturing represents FARMASIA’s manufacturing
capacity maximization strategy.
• Recently, FARMASIA has been officially appointed by the
renowned pharmaceutical manufacturer namely Cader
Pharma, the latter is an Italian company focused on the
development of innovative therapeutic solutions.
• Under the appointment, FARMASIA Is responsible to do the
fill and finish of the following products for Cader Pharma,
for the Asian markets including:
1. Atroxene Flex
2. Activoil Spray
3. Levigan Crema
4. Otodol
5. Nectar

ACTION PLAN: PRODUCTION EXPANSION

Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19
# Particular(s)
w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4 w1 w2 w3 w4
1 In-HOUSE PRODUCTS
a Dr Wound
b Atroxene
c Fizzy V
d Others To be confirmed
2 OEM PRODUCTS
a Cader Pharma
b Others To be confirmed
XXX

PRODUCTION
& FACILITIES
STRATEGY
ISO 13485 & GDPMD CERTIFIED FACTORY

CURRENT
XXX

ISO 13485 & GDPMD CERTIFIED FACTORY

FUTURE
• FARMASIA production line and

storage area will be expanded
by occupying an existing office
space and meeting area, about
350 sqft approx.
XXX

ACTION PLAN: PRODUCTION LINE EXPANSION
# Particular(s)
1 RENOVATION
a To source quotation
b To confirm floor planning
c To confirm quotation
d Construction & renovation
2 FIXTURES & FLOOR SETTING

a Machinery & production setting
b Testing
XXX

SALES
& MARKETING
STRATEGY
STP STRATEGY
• Geographic: Malaysia, Indonesia, and Asian markets
Segmentation (S) • Demographic: Patient, Health-Conscious Customers (19 to
(market segment) 69 years old)
• Students • Patients
Targeting (T)
• Blue collar • Senior Citizens
(target market) • White collar • Mobile / PC Users
• Households
• Affordable premium healthcare experience

Positioning (P) XXX
• Advanced healthcare products experience
(brand/product positioning) • Healthcare Transformation: Healthcare O2O Strategy

FARMASIA O2O HEALTHCARE STRATEGY

Distributors / Agents OMNI CHANNEL STRATEGY:
FARMASIA O2O DESPITE HIGH EXPECTATIONS FOR
Healthcare Model
Payment Gateway DISCOUNTS PARTICULARLY IN THE
RETAIL CLIMATE, FARMASIA’S OMNI
CHANNEL HEALTHCARE STRATEGY
WILL STRONGLY STIMULATE
Consumers
FARMASIA Platforms
SPENDING
Production Capacity,
Inventory, Value Add
Promotional-driven Objectives (backed by Geo-fenced
Services, R&D etc. XXX
and Personalized Notifications (or Remarketing) to
drive Customers to the nearest store and/or purchase
online through PC / Mobile.
Various Channels
e.g. Pharmacies, Retailers etc.
1. Catalogues
• FARMASIA e-Store 2. Case Studies
• Other E-Commerce 3. Healthcare Reviews
Platforms 4. Offers & Deals
API System Integration, Merchant Recruitment,
Database Management, Money Remittance
ACTION PLAN: ENHANCED SALES & MARKETING

# Particular(s)
1 SALES MECHANISM
a Sales Planning (O2O)
b Pricing & Incentive
c SOP System
d Sales Training
e Briefing to Partners / Channels
f Launching
2 MARKETING MECHANISM
a Marketing Planning (O2O)
b Enhance O2O Platforms
i. Website
ii. Mobile
c Content Strategy
d Retail Innovation
e Marketing Material
i. Design
ii. Printing / E-Document
f Marketing Training
i. For Management
XXX
ii. For Operational Staff
g Launching & Press

KEY INVESTMENT PILLARS

Key Investment, by Product Key Investment, by Category WE FOCUS
2019 - 2023 2019 - 2023 ON PRODUCT
INNOVATION
20%
30% STRATEGY, AND
WILL CONTINUE
50%
TO INVEST IN KEY
PHARMACEUTICAL
XXX
70% RESEARCH &
30%
DEVELOPMENT
Dr Wound Atroxene Fizzy V Medical Devices Pharmaceuticals

MILESTONES & FUTURE DIRECTION

(1) Dr Wound (2) Atroxene (3) Fizzy V
PRODUCT
80%
SERVICE
20%
OEM R&D
STRATEGY Market Penetration Product Development Market Development
PARTNERSHIP
XXX
CHANNELS
2017 2018 2019-2023

FIVE-YEAR PLAN
2018 2019 2020 2021 2022 2023

(CURRENT)
1. Main Market(s) 1 2 2 2 2 2
2. Point-of-Sales
a. Malaysia 1,459 1,604 1,754 1,854 1,954 2,054
b. Indonesia 20 30 60 90 120 150
Revenue (RM) 2.86mil (F) 8.33mil 8.75mil 9.19mil 9.65mil 10.13mil

XXX
Gross Profit Margin 58.0% 58.0% 58.0% 58.0% 58.0%
Profit Before Tax 381,344.03 186,674.26 171,475.39 107,198.50 77,793.88

4.6% 2.1% 1.9% 1.1% 0.8%

ACTION PLAN: FUNDING REQUIREMENT

# Particular(s)
1 PITCHING
a Investor Shortlist
b Private Roadshow
c Agreement
d Ceremony
e Announcement
2 FUND TRANSFER
a Stage 1 To be confirmed
b Stage 2 (if any) To be confirmed
c Budget Approval To be confirmed
d Fund Disbursement To be confirmed
XXX

FARMASIA
TEAM
FARMASIA LEADERSHIP
MOHAMMAD ZAID ABD RAHMAN ZOHRAH RAZAK
Director Director
• A Malaysian entrepreneur with over • Graduated in BSc in Micro Biology

20 years of experience in medical from Universiti Kebangsaan Malaysia
and pharmaceutical industry. He has (UKM) with over 29 years of
been involved in overall corporate experience in pharmaceutical
strategy, supply chain management, industry. She has vast international
sales and distribution of medical exposure and hands-on sales and key
devices in Malaysia and beyond. account management experience in
• His past experience in large MNCs include Glaxo Malaysia,
corporations and MNCs include GlaxoSmithKline and Merck Sharp &
Norse Crown, CCM Pharmaceuticals, XXX Dohme and Eli Lilly.
Malaysian Healthcare Sdn Bhd, and • Prior to joining FARMASIA, Zohrah
Safire Pharmaceuticals. was the Associate Director of Eli Lilly
(M) Sdn Bhd where she handled
Government affairs.

TEAM MEMBERS
WAN RIZZAL AZALI BIN ROSLI
Business Development Manager Finance Manager
• Passionate in creating, inspiring and • Azali is a graduate in BACC (Hons)

enriching the partnership Accountancy, a chartered accountant
communities. Rizzal Is well-verse in and member of Malaysia Institute of
business development and spent Accountancy (MIA).
years to spearhead the group • Prior to FARMASIA, he spent over 10
business in Malaysia and Indonesia. years in GLCs and semi Government
• Rizzal has over 5 years of experience environment, and more than 3 years
in International business and in audit firms involving significantly
Government affairs. in auditing, corporate recovery,
• He holds a Bachelor of Science XXX management accounts, financial
(Biotechnology) from Monash reporting, due diligence reviews,
University. treasury and cash management.

TEAM MEMBERS
SHAMALA NAIR AYUNI
Product Manager Quality Manager
• Shamal brings with her a 6-year • As a Certified Quality Engineer (by

proven track records in sales, team FMM) since 2010, Ayuni brings with
building, product R&D and training her invaluable 12-year hands-on
methods that she has honed during experience in the Pharmaceuticals
her days as a Sales Manager in a Industry (GMP and ISO 9001).
reputable multinational company. • She has been significantly involved in
• Specialized in the management of NPRA GMP Audit, GDPMD Audit and
commercialized products/services, EMA Audit, overseeing a variety of
she currently serves as marketing measures and management systems
reps on new products & capabilities XXX incl. FARMASIA’s total quality
development teams. management.
• She holds Diploma in Pharmacy, • She holds Bachelor of Science
Bachelor of Science (Biomedicine) (Chemistry), University Sains
(Hons) and Master of Business Malaysia.
Administration (MBA), Cardiff
Metropolitan University, UK.
TEAM MEMBERS
DANIEL YONG
Sales Manager
• Since joining FARMASIA some ten

years ago. Daniel has integrated
FARMASIA’s channels and digital
retail portfolio to create a seamless
customer experience with the goal
of educating, inspiring and enriching
communities through the company’s
advanced medical devices.
• Daniel joined FARMASIA from
reputable pharmaceutical names XXX
such as Pharmaniaga and CCM. He
has solid 18 years of experience in
both technical / channel sales, and
extensive knowledge in pharma
related products.

CONTACT US
Ms. Zohrah Razak
FARMASIA SDN BHD (772557-D)

B-2-2, Block Ribosom, UKM-MTDC
Technology Centre, 43650 Bandar Baru
Bangi, Selangor Darul Ehsan, Malaysia.
Tel: +603-8925 1888

Fax: +603-8925 2888
Website: www.farmasia.com.my
Email: zohrahrazak@farmasia.com

FARMASIA Business Plan v3.0 Syafik

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

FARMASIA Business Plan v3.0 Syafik

Uploaded by

Copyright:

Available Formats

FOR QUALIFIED INVESTORS ONLY

ASIA HEALTHCARE TREND

2016 © Copyrights Reserved

MALAYSIAN HEALTHCARE INDUSTRY

2018 © Copyrights Reserved

2018 © Copyrights Reserved

Established in May 2007, Spearheaded by ISO 13485 & GDPMD

2018 © Copyrights Reserved

Creation, production Innovation with rigorous Committed to deliver

2018 © Copyrights Reserved

ASPIRATION @ FARMASIA INNOVATION

2018 © Copyrights Reserved

2018 © Copyrights Reserved

5-Year (Overall) Financial

2018 © Copyrights Reserved

Operations Sales & Marketing

2018 © Copyrights Reserved

ASPIRATION: FARMASIA BUSINESS MODEL

2018 © Copyrights Reserved

BUSINESS MODEL CANVASS (BMC) 2019-2023

COST STRUCTURE REVENUE STREAMS

2018 © Copyrights Reserved

2018 © Copyrights Reserved

BUSINESS PLAN OBJECTIVES 2019-2023

Mass production of Increase of brand Strengthening customer

2018 © Copyrights Reserved

KEY SUCCESS FACTORS

LOYALTY MARKETING BROAD DISTRIBUTION

2018 © Copyrights Reserved

NURSING GP & DENTAL

2018 © Copyrights Reserved

ADVANCED WOUND ATROXENE HEALING FIZZY V CARE

2018 © Copyrights Reserved

2018 © Copyrights Reserved

OEM OPPORTUNITY: CADER PHARMA

2018 © Copyrights Reserved

ACTION PLAN: PRODUCTION EXPANSION

2018 © Copyrights Reserved

ISO 13485 & GDPMD CERTIFIED FACTORY

2018 © Copyrights Reserved

ISO 13485 & GDPMD CERTIFIED FACTORY

• FARMASIA production line and

2018 © Copyrights Reserved

ACTION PLAN: PRODUCTION LINE EXPANSION

2 FIXTURES & FLOOR SETTING

2018 © Copyrights Reserved

• Affordable premium healthcare experience

2018 © Copyrights Reserved

FARMASIA O2O HEALTHCARE STRATEGY

ACTION PLAN: ENHANCED SALES & MARKETING

2018 © Copyrights Reserved

KEY INVESTMENT PILLARS

2018 © Copyrights Reserved

MILESTONES & FUTURE DIRECTION

STRATEGY Market Penetration Product Development Market Development

2017 2018 2019-2023

2018 2019 2020 2021 2022 2023

Revenue (RM) 2.86mil (F) 8.33mil 8.75mil 9.19mil 9.65mil 10.13mil

Profit Before Tax 381,344.03 186,674.26 171,475.39 107,198.50 77,793.88

2018 © Copyrights Reserved

ACTION PLAN: FUNDING REQUIREMENT

2018 © Copyrights Reserved

• A Malaysian entrepreneur with over • Graduated in BSc in Micro Biology

2018 © Copyrights Reserved