Kasut Bola a.k.a BOOT

Aku cuma merasa pakai boot masa sekolah menengah. Tapi anak aku umur 7 tahun dah merasa main bola pakai boot. Jenuh juga pusing kat Pertama Complex utk mencari saiznya. Dapat jugak le anak aku pakai boot & yg penting dpt main bola dlm team.

Budak-budak sekarang... Tak beli nanti dah tak boleh main. Kat Bangi ada LBJB (Liga Bolasepak Junior Bangi), jadi peluang utk anak aku utk join team. LBJB semuanya sukarela. Mak bapak yg take charge.

Bagus juga ada LBJB ni. Sekurang-kurangnya ada peluang utk anak aku bercampur dgn geng2 sebaya dia. Lain le mcm aku dulu, kalau setakat nak main bola, tak payah nak cari jersey atau boot atau mak bapak jadi organizer. Formation team pun mudah, ikut suka & kronisme je. Pengadil pun tak de. Jadi semua player boleh claim foul.. keputusan ikut majority.

Masa aku sekolah rendah, main di padang kuarters Jabatan Hutan kat area rumah aku. Tiang gol... size dewasa le. Kalo nak score gol, tendang atas (sbb goal keeper semuanya kemetot a.k.a pendek). Tentang team, bilangan tak penting. Yg penting jumlah sama banyak. Sapa score dulu, yg kalah kena bukak baju. Senang nak identify team members. Itu dulu brooooo...

Sekarang zaman berubah. Nak cari padang bola atau kawasan lapang utk public usage atau anak-anak kita main mcm kita kecik2 dulu pun dah susah. Jadi tak heranlah aku kalau skill bolasepak sekarang makin menjunam. Sebab tu aku malas layan bolasepak negara.. buang masa. Menyampah aku tengok bila gaya (dressing dgn rambut pacak ala2 wet look) aje yg lebih... tapi bila main dgn Vietnam (yg stadiumnya pun tak sebanyak & sehebat kita) mengeletar kepala lutut kita.

Kalau org tanya aku siapa player Malaysia yg aku kenal, aku lebih senang ingat Azizul Abu Hanifah, Karim Pin, Chong Kim Boon, Dollah Salleh, Serbegeth Singh dll, then generasi yg old sikit mcm Mokhtar Dahari, Santokh Singh, V Arumugam, Jamal Nasir & Hassan Sani. Jgn tanya aku player skrg. Lebih baik aku layan anak aku main bola drpd buang masa melayan bolasepak skrg.

Jgn marah rakyat kalau tak ada sokongan. Kalau dulu masa aku sekolah rendah, main antara sekolah pun ramai yg datang tengok & bg sokongan. Kalau selection state atau district ke, memang dicari sampai akar umbi. Bukan main tangkap muat je atau sbb ada connection. Aku pun tak heran sangat kalau dikatakan player bolasepak Malaysia dikatakan tak patriotik. Tengok aje la jersey team bolasepak kita. Korang tengok betul2.....

Korang cari bendera Malaysia. Ada tak? Yg ada logo FAM. Pelik jugak aku. Yg sponsor team ini duit rakyat (cukai) atau semata-semata duit daripada FAM (tanpa bantuan dana kerajaan atau agihan daripada cukai pendapatan yg disalurkan melalui Kementerian terbabit???).

Jadi... dipendekkan cerita, lebih baik aku layan anak aku main bola je. Bukan utk glamour atau nak wakil negara ttp lebih kpd improving the social / community relationship. Sekurang-kurangnya dpt jugak aku tunjuk skill utk jadi coach... hehehehee.. Baru anak aku tau yg aku pun hebat jugakkkkkk !!!!!

Polish Up Your Persuasion Skills

Believe that these 10 elements of the persuasive personality do not come naturally, so let we do it together through consistent practice. Please share this with our staffs, friends, peers & others:-

Image

1. The image we create is divided into three categories: visual, vocal and verbal. Visual image is by far the most powerful. People are conditioned to evaluate what they see and form an instant opinion. The way we look will often determine the outcome of a sales presentation, a negotiation, a political campaign or a job interview. Image is a high priority to powerful persuaders.


2. Effective vocal image is enthusiasm. By developing an energetic and enthusiastic tone of voice, powerful persuaders create interest in the listener and ensure a high level of retention in what they say.


3. Verbal acuity, knowing how to put words together to motivate others, is a skill constantly practiced by powerful persuaders.

Knowledge.

1. Persuasive people know their subject. They read trade magazines, attend peer meetings, go to seminars and join trade associations. They know that gathering knowledge is a lifelong process. People will listen carefully if they believe you know what you are talking about.

Confidence.

1. Successful people have an inner confidence which comes from knowing themselves. They are not pushy or brash, but have an assertive air about them that translates into a can-do attitude. Confident people make things happen.

Credibility.

1. Don't make promises you can't keep. Powerful persuaders meet deadlines, show up at meetings on time and always do what they say they will do.

Communication.

1. The best persuaders are articulate. Their speech is grammatically correct and they avoid slang expressions which create hesitancy and cause people to doubt the strength of their arguments.

Persistence.

1. Winners don't quit! Any good salesperson will tell you some of the best sales were the hardest to get. Someone who takes a long time to make a decision will often take a long time to change it.


2. Powerful persuaders have the persistence to overcome obstacles. Their determination keeps them going while others give up the cause.

Benefits.

1. Powerful persuaders know that people will respond if they see benefits to themselves or their company. Put yourself in the mind of the person you are trying to persuade.


2. Know the benefits before trying to persuade someone and he or she will be much more receptive to your way of thinking.

Motivation.

1. Powerful persuaders create incentives for achievement and reward success. They lead by example.


2. They are not afraid to get down in the trenches with the troops, inspiring others to do the very best they can. They stand by their team when they come under fire, praising good work and reacting quickly to deal with problems.


3. Like the best generals throughout history, persuasive managers gain respect and admiration from their team, driving them to the peak of their ability.

Visibility.

1. Powerful persuaders get out of the office and see as many people connected with their business as possible.


2. They visit customers, suppliers, and dealers regularly, and maintain a high profile within the company.

Silence.

1. When you get what you want, shut up. Change the subject or end the conversation completely. Don't try to oversell your ideas.


2. Having the patience to remain silent is an essential tool of the powerful persuader. Realize the power of silence.

Majlis Solat Hajat & Bacaan Yassin di Cawangan KL Sentral

1. Alhamdulillah pada Jumaat lepas (15/05/2009), Cawangan KL Sentral telah dapat melaksanakan rancangan majlis solat hajat serta bacaan yassin.


2. Majlis dibuat dgn 3 tujuan utama iaitu mengeratkan ukhuwah antara kakitangan, solat hajat serta mendoakan kesejahteraan, kebaikan, tabah hati kepada Pn Marina (Pengurus Operasi - Cawangan KL Sentral) bagi menghadapi ujian Allah swt dan bagi memohon utk dipermudahkan urusan kerja kita, khususnya persiapan penutupan tahun kewangan 08/09 pada bulan Jun 2009 ini.


3. Terima kasih diucapkan kepada sahabat2 yg hadir, termasuklah Pengurus Kawasan Tengah (Tn Hj Abdul Rahman Ali), mantan Pengurus Pemprosesan (Tn Hj Abdull Halim), Hj Ashharudin, Hj Razak Kassim, En Rizal Mutalib, En Fazlan serta juga seluruh kakitangan Cawangan KL Sentral yg membantu merancang majlis ini.


4. Semoga majlis ini dpt mendekatkan kita kpd Allah swt, menyedarkan kita akan betapa kecilnya kita ini & tidak terlalu mengejar urusan dunia sehingga melalaikan urusan kerohanian.

Khusyuk mendengar perbincangan dgn Tn imam yg dijemput khas dari Masjid Bukit Aman. Farizal a.k.a En Mat yg pakai kain pelikat tu... cover sikit, nanti kipas tiup, jadi cerita lain.

Haji Halim tengah fikir mcm2.... jual stabilizer utk bagi kereta power, nak kemas kotak, perut lapar pun ye !!!!!!!!! Alamak screen QMS tak shut down, aduhhhhh.... naik lagi bil api branch.

Creative Advertising

I was made to understand that this ad is the effort for Childcare, India which aims to help more than 20 million Indian Children who beg on the streets each day. This is really brilliant & creative.

Team Work

This is the real truth. They all pretend to work, but the hard work is done by you....you make the work, they get the results. :-)

Public Program - Sales Booth & Exhibition

Based on my experience dealing with the branches & sales team in the public program in Eastern Region & Klang Valley which may include opening the sales booth, participation in the exhibition, I would like to highlight some of the important elements in areas where we can improve further our presence during the program.

Therefore, the following may serve as sharing the idea & experience for us to improve the execution plan.

What you need to know & to do:-
How do I attract the prospects / target market to the sales booth?

1. Communicate with your prospects individually to let them know about your presence at the program – broadcast your message to the package employer – letter & email, notification at branch & ATM.
2. Ask the organizer for a profile of previous attendees as well as current invitees.
3. Notify the prospects & target market – send the notices to the key customers (package, top depositors etc) & prospects, offer incentives to key prospects or customer visiting your booth.

Establish the objective of opening our sales booth:-

1. Does the area / location, time, organizer, other booth’s participants support our marketing objectives?
2. A cost-effective opportunity to meet many prospects as per our target market?
3. Provide needed opportunity to increase our profile in the marketplace & enhance our own reputation?
4. Provide public platform to introduce / market our new products / services?

Our outdoor promotion activity must be managed carefully in order to yield in long term benefits. Questions that should be asked to our sales team include:-

1. Why are we running the promotion program?
2. Do we want to increase overall volume, or sales, or awareness of specific products?
3. Do we want to improve our performance in other sales related area such as customer service, branding / product awareness?
4. How do we justify the expense of the promotion?
5. What are the related sales objectives & how will they be quantified?
6. Is it possible to profile previous similar program as basis for planning?
7. How will the program be publicized?
8. The most critical – knowledge of the team? – check & re-check…

Maintain interest & momentum:-

1. All leads received during the program should be followed up & to consider the the cross promotion.
2. Maintain & manage the leads – establish the profile & match with the product, refine the lead.
3. Insures that all parties / stake holder at branch (such as all front liners – PFE, tellers, CSO, CSR, BOM, BsMgrs, BM) & Region Office are aware of the program.

Take time to plan:-

1. Establish & understand the objectives.
2. Publicize our participation.
3. Brief the team – include establish the procedures for interacting with customers / visitors.
4. Remind them to get the greatest possible benefit from our participation.
5. Stand material – take care not to give away expensive brochure / gift to low value or unqualified prospects.
6. Capture visitor data – collect, compile & manage the leads.
7. Measure your success – how many new prospects did you develop, how many sales meeting did you arrange, how many sales leads closed.
8. Follow up all inquiries – arrange the meeting or send further information to promising prospects.
9. Continue to maintain contact with the organizer or venue spoke person.

Akaun Semasa

Topik ini cuma membincangkan bagaimana menggunakan kemudahan Akaun Semasa dgn lebih baik. Ini berdasarkan kpd pengalaman aku sewaktu berurusan dgn pelanggan serta di bank-bank lain.

Antara perkara-perkara yg menjadi tanggung jawab pelanggan Akaun Semasa adalah:-

1. Tulis semua maklumat di atas cek dgn lengkap & jelas.


2. Jgn ada pindaan (alteration not allowed) di atas cek yg dikeluarkan.


3. Jika berlaku pertukaran alamat & nombor telefon, maklumkan secara bertulis kpd bank. Pastikan juga penandatangan yg sah yg menandatangani arahan / makluman ini.


4. Sewaktu cek dikeluarkan, pastikan ada duit yg mencukupi di dalam akaun. Bukan menjadi tanggung jawab bank utk menelefon pelanggan sekiranya akaun insufficient. Perlu diingatkan bhw di negara lain spt Thailand, US & HK, adalah menjadi kesalahan yg serius sekiranya cek dikeluarkan tidak dpt ditunaikan kerana akaun insufficient. Contohnya di US, pemegang Akaun Semasa boleh dipenjarakan jika perkara ini berlaku.


5. Menyemak semua baki helaian cek yg telah & masih blm dikeluarkan.


6. Seringkali pelanggan menyatakan Penyata Akaun Semasa tidak diterima. Oleh yg demikian, pastikan tindakan perkara (3) di atas dibuat drpd semasa ke semasa.


7. Pastikan semua cek yg dikeluarkan adalah dlm pengetahuan pelanggan. Mana-mana cek yg silap ditulis perlu dimusnahkan.


8. Jgn tanda tangan cek kosong.


9. Gunakan kemudahan internet banking, SMS banking & juga ATM utk membuat semakan baki.


10. Jika ada perubahan corak tanda tangan, maklumkan kpd bank dgn kadar segera dgn melengkapkan kad contoh tanda tangan.

Ini hanya sebahagian drpd amalan yg perlu dilakukan oleh pelanggan dlm mengendalikan Akaun Semasa mereka dengan baik. Semoga ini dpt membantu kita semua.

Produk al-Awfar Bank Islam bukan judi, lulus badan syariah

Source : Berita Harian On-Line
Wednesday, 08 April 2009

BANK Islam Malaysia Berhad (BIMB) ingin merujuk kepada aduan 'Tenggiling,' Port Dickson' berkaitan produk perbankan yang baru dilancarkan bagi memastikan ia memenuhi lunas syariah, seperti disiarkan di ruangan ini 27 Mac lalu.

Untuk makluman, produk itu adalah akaun simpanan dan pelaburan berasaskan kontrak syariah mudharabah (perkongsian untung). Penyimpan dan pelabur akan mendapat keuntungan (sekiranya ada) daripada sumbangan pendeposit seperti akuan berasaskan kontrak syariah mudharabah yang lain.

Bank Islam bersetuju memberi pelbagai hadiah kepada penyimpan dan pelabur termasuk cabutan berhadiah setiap tiga bulan yang diperuntukkan Bank Islam sebagai insentif dan bukan daripada keuntungan perniagaan atas simpanan dan pelaburan pendeposit.

Pandangan majoriti ulama adalah berdasarkan kepada nas al-Quran dan hadis. Di antaranya hadis diriwayatkan al-Bukhari:

Daripada Aishah ra katanya: “Apabila Rasulullah SAW ingin bermusafir, Baginda akan melakukan cabutan di kalangan semua isterinya. Sesiapa yang terpilih anak panahnya (menerima cabutan) akan dibawa Baginda bermusafir bersamanya.”

Hadis itu menunjukkan cabutan dibenarkan pada kaedah dan tujuan halal. Tujuan dan kaedah Bank Islam adalah berlandaskan syariah bagi menggalakkan pelaburan dan penyimpanan dana.

Hadiah yang diberi pula adalah pelbagai dan untuk pelanggan yang layak mengikut terma dan syarat dan ia tidak merugikan pelabur serta penyimpan kerana semua hadiah itu sumbangan terus daripada Bank Islam.

Kekeliruan ‘Tenggiling’ terhadap produk itu mungkin berpunca daripada kebiasaan amalan ‘cabutan’ yang sudah tentu hasilnya bergantung kepada nasib (atau rezeki secara lebih positif) dalam masyarakat kita yang sering dikaitkan dengan aktiviti yang bercanggah dengan syarak seperti judi (maisir), riba dan hadiah yang haram.

Ada cabutan dan nasib yang halal dan ada juga cabutan dan nasib yang haram, bergantung kepada kaedah dan tujuan cabutan itu.

Kekeliruan itu tidak sepatutnya menafikan hukum asal cabutan menurut pandangan majoriti ulama, iaitu dibenarkan apabila tiada perkara bertentangan syariah.

Bank Islam ingin melaksanakan haknya bagi memilih di kalangan pendeposit mudharabah untuk diberikan hadiah disediakan dengan cara cabutan demi mencapai matlamat untuk menggalakkan pelaburan dan penyimpanan.

Semua perkara mengenai produk al-Awfar dibincangkan dan diluluskan oleh Majlis Pengawasan Syariah Bank Islam, badan berkecuali yang dianggotai pakar syariah dan kewangan Islam yang berwibawa

Sekiranya memerlukan penjelasan lanjut berkaitan perkara ini, sila hubungi Pusat Panggilan Bank Islam di talian 03-26 900 900 atau lawati www.bankislam.com.my

Promosi Pembiayaan Peribadi Serendah 5.10% Setahun

Tanpa penjamin & tanpa cagaran sehingga maksima RM 150,000 dan ansuran sehingga 15 tahun.

Senarai organisasi kerja yang layak - kerajaan (persekutuan, negeri & badan berkanun), TM, TNB, Malaysia Airlines (MAS), DBKL, Indah Water Konsortium (IWK), Universiti Malaya, PPUM, Pusat Pungutan Zakat WPKL, PUNB, UiTM, UPM, UKM, YaPEIM, IBFIM, UIA, LHDN, MARA, ahli NUBE, Sime Darby Group, Kumpulan Perubatan Johor (KPJ) dll.... (termasuk doktor2 perubatan kita - termasuk doktor gigi)...

Gunakan peluang ini kerana anda mungkin memerlukannya utk:-

1. Menyelesaikan hutang kad kredit anda.
2. Keperluan pelajaran anak-anak anda.
3. Membayar tunggakan cukai pendapatan.
4. Keperluan perubatan.
5. Mengubahsuai rumah.
6. Pelaburan.

Hubungi kakitangan di Bank Islam di Plaza Sentral, KL kerana mereka bersedia membantu anda:-

1. Rosmah (Business Mgr) - 019-333 1036 (rosmah@bankislam.com.my)
2. Rosli Suliman - 012-314 3513
3. Nur Afzan - 017-297 3380
4. Adhwa - 012-644 4596
5. Shamsul - 017-206 2800.

Customer Service

Watch this movie to understand the basic concept of customer service. Enjoy :-)

Benefits of Bank Islam Card

Bank Islam Card (“BIC”) is the first purely Shariah contract based credit card to be offered to Muslims and non-Muslims in Malaysia. This card is completely free from any "riba" or "gharar".

Some of the benefits of using the BIC:-

FREE - Group Family Takaful Coverage Plan and Benevolence.

Convenience – offer no hassle shopping, no cash, no checks, no additional identification.

Security – lost cash can be used by anyone, lost a card you may protected from unauthorized use.

Emergency protection – like a security blanket that will cover in most situations.

Universal acceptance – accepted at as many as over 20 millions merchant locations worldwide and cash from ATM.

Simplified record keeping – record all transactions for the month & tracking money goes is easier.

Value added benefits – rebates program, contributions to customers’ favorite charity (zakat, MAKNA) or other benefits that they won’t get with paying by cash.

Flexibility – to take advantage of sales & special offers, then pay later according to personal spending plan.

Easier budgeting – plan to finance a major purchase and pay it off on a schedule that fits customers’ budget.

Essential for mail, phone or internet purchase – universal guarantee of customers’ good financial standing, simplifies and speeds up mail ordering / internet purchase.

Have a problem to make a payment? We offer a multiple repayment channels for your convenience:-

1. Auto-Debit from Bank Islam’s savings / current account.


2. Internet Banking Facilities via our website (http://www.bankislam.com.my/).


3. Payment via SMS Banking.


4. Cash Deposit Machine at Bank Islam's branches nationwide.


5. Mail your cheque to Bank Islam Card Centre.


6. Cash or cheque deposit at Bank Islam branches.


7. Interbank GIRO facilities through other banks’ deposits accounts.

So... why wait? Share your interest with my sales team at Bank Islam branch located at Plaza Sentral, KL. You may call or SMS the following mates for assistance:-

1. Rosmah (Business Mgr) - 019-333 1036 / rosmah@bankislam.com.my


2. Rosli Suliman - 012-314 3513


3. Nur Afzan - 017-297 3380


4. Adhwa - 012-644 4596


5. Shamsul - 017-206 2800.
   

A Lesson For Every Salaried Employee

A butcher watching over his shop is really surprised when he sees a dog coming inside the shop. He shoos him away. But later, the dog is back again. So, he goes over to the dog and notices it has a note in its mouth.

He takes the note and it reads "Can I have 12 sausages and a leg of lamb, please".

The dog has money in its mouth, as well. The butcher looks inside and, lo and behold, there is a ten dollar note there. So he takes the money and puts the sausages and lamb in a bag, placing it in the dog's mouth.

The butcher is so impressed, and since it's about closing time, he decides to shut the shop and follow the dog. So off he goes. The dog is walking down the street, when it comes to a level crossing, the dog puts down the bag, jumps up and presses the button.

Then it waits patiently, bag in mouth, for the lights to turn. They do, and it walks across the road, with the butcher following him all the way. The dog then comes to a bus stop, and starts looking at the timetable.

The butcher is in awe as the dog stops a bus by pulling its left leg up and gets in it. The butcher follows the dog into the bus. The dog then shows a ticket which is tied to its belt to the bus conductor.

The butcher is nearly fainting at this sight, so are the other passengers in the bus. The dog then sits near the driver's seat looking outside waiting for the bus stop to come. As soon as the stop is in sight, the dog stands and wags its tail to inform the conductor.

Then, without waiting for the bus to stop completely, it jumps out of the bus and runs to a house very close to the stop. It opens the big iron gate and rushes inside towards the door.

As it approaches the wooden door, the dog suddenly changes its mind and heads towards the garden. It goes to the window, and beats its head against it several times, walks back, jumps off, and waits at the door.

The butcher watches as a big guy opens the door, and starts abusing the dog, kicking him and punching him, and swearing at him. The butcher surprised with this, runs up, and stops the guy.

"What in heaven's name are you doing? The dog is a genius. He could be on TV, for the life of me!", to which the guy responds:

"You call this clever? This is the second time this week that this stupid dog's forgotten his key."

Moral of the story.....
You may continue to exceed onlookers' expectations but shall always fall short of the bosses' expectations.

I Will Improve (Tiger Woods)

With his win at St. Andrews, Tiger Woods became the youngest player in history, and only the fifth player ever, to win the career Grand Slam in golf.

And if that wasn't enough, he did it with a record-setting 19-under 269, the lowest score ever recorded at St. Andrews, and the lowest score against par in any major championship!

Can it get any better than this? According to Tiger Woods, it can. When asked if we have seen his best golf, he responded, "No, no, no. No, definitely not. I'm going to keep working. I'm going to keep trying to get better, and I know there are a few things I can improve on. I'm going to continue to try working on those things, and turn some of my weaknesses into my strengths."

While the world is singing his praise, Tiger Woods is still working on improving his game. That's what great champions are all about.

Bank Islam Wins Platinum In Reader’s Digest Trusted Brands Award 2009

KUALA LUMPUR, Tuesday [5 May 2009]: Bank Islam Malaysia Berhad (Bank Islam) has been named winner of the PLATINUM AWARD for Islamic Financial Services in the annual Reader’s Digest Trusted Brands Award 2009.

The awards are based entirely on consumer voting through a survey among the readers of the magazine. Under the survey, consumers are asked to rate the most trusted brands based on six qualitative criteria: Trustworthiness and Credibility, Quality, Value, Understanding of Customer Needs, Innovation and Social Responsibility.

The Trusted Brands Award has been running for 11 years and this is the first time an Islamic Financial Services category has been introduced. There are two categories of winners - Gold and Platinum.

Dato’ Zukri Samat, Managing Director of Bank Islam said: “We are encouraged with this recognition and would like to thank our customers and business partners for their trust, high regard and valuable support. We also view this award as a vote of confidence of the Bank’s re-branding and transformation efforts in last two years.”

Apart from remodeling the branches, the re-branding programme also focuses on enhancing the delivery of quality customer service, innovative and value-added financial products and services to our customers.

“Winning the Award brings greater expectations from our customers. This means we will have to work even harder to deliver our commitments on quality service and product innovation,” he added.

Dato’ Zukri Samat received the award from Y.B Dato’ Mukhriz Tun Mahathir, Deputy Minister (Trade) Ministry of International Trade And Industry.

Organization Chart

Part 1
An organisation is like a tree full of monkeys - all on different levels,some climbing up. The monkeys on top look down and see a tree full of smiling faces. The monkeys on the bottom look up and see nothing but assholes.

Part 2
All the time, the monkeys on the top will get the fruits first, and most of the time, they will eventually produce SHIT for all the monkeys below.And all the time, that's what the monkeys below will get.

Part 3
For those monkeys who are climbing up, they have to first kiss plenty of ass in order to move up. How high they climb, will have to depend on how good they kiss. And always if the one on top will not kiss any ass, his ass will get KICKED !!!

Part 4
During times of great difficulties and hardship, the monkeys on the top may fall a few branches down and hit the monkeys below. The monkeys below will be fallen upon and eventually some will fall off the tree, as in retrenched. As compensation these monkeys that fell off get to keep the fruits that were shaken off the tree during the commotion.

The tree becomes lighter and life slowly returns to normal. And that my friends is what we call a corporate lifecycle.

Are You Lonely ????

Hunter vs Farmer

1. This article is only based on my experience during the assignment to team up with the Bank Islam staffs at Eastern Region (Kelantan, Terengganu & Pahang) to improve more the retail banking business there.
2. Generally speaking, both approach must be consistenly done.
3. We need to balance our sales activity & acquisition new customers. Considerable amount of time should be allocated while doing both activities “hunting” & “farming”.
4. Smart sales people balance hunting & farming. Farming is a good counterbalance to hunting & vice versa.

Some Tips of Good FARMER

1. Schedule in specific time to call our existing customers promoting our new campaign, new product, new features etc.
2. Focus to build up (or improve) the relationship by exploring other areas of business of existing customer.
3. Send a letter of invitation / promotion to notify customers our new products, new campaign, new features etc.
4. Spot the best crops to harvest via pre determined / identified target market (based on revenue generated, risk understanding, attractiveness etc).
5. Regular cross selling to the existing customer via distributing the flyers over the counter, while waiting for their number called by tellers, customers at our ATM area etc.

Some Tips of Good HUNTER

1. Know where to find or hunt for a new one (based on revenue generated, risk understanding, attractiveness etc).
2. Where to find? – e.g of activities are distribute the flyers of new package of Wahdah at the ATM area of other banks during a pay day or at the selected / targerted residential area.
3. Search the opprtunity using your nose (observation) & with full of business sense.
4. Know & understand your target market / group.
5. Aggressive promote our products to other bank’s customer by distributing the flyers nearer to its premises.

In summary, before we go further to proceed as a hunter & a farmer, recommended to:-

1. Decide what results you need to achieve?
2. Decide what daily activities drive the desired result?
3. Prioritize your list of activities – based on anticipated yield, revenue, greatest return etc.

Pengumuman Promosi

1. Bank Islam Cawangan KL Sentral akan mengadakan "Sales Carnival" bertempat di cawangannya.
2. Lokasi : Plaza Sentral (Ground Floor - Blok 3B).
3. Tarikh : 06 - 08/05/2009 (Rabu - Jumaat).
4. Waktu : 10.00 pagi - 04.00 ptg.
5. Penyertaan : TH Properties Sdn Bhd, TPPT, PKNS Bdr Baru Bangi, Pusat Pungutan Zakat WPKL, Pusat Darah Negara, Suruhanjaya Pilihanraya (SPR), Takaful Malaysia.
6. Hadiah percuma untuk pengunjung / pelanggan bertuah.
7. Maklumat lanjut boleh menghubungi Bank Islam Cawangan KL Sentral (03-2274 9878 / 9899 / 9901).
8. Kepada sesiapa yg blm pernah sampai ke Plaza Sentral, lokasi program adalah berhampiran dengan ibu pejabat MIDA & Sooka Sentral.
9. Datang beramai-ramai utk memohon pembiayaan peribadi serendah 5.1%, pembiayaan semula rumah (Wahdah), pembiayaan pembelian rumah (Baiti-i), Kad Bank Islam, Akaun Simpanan / Pelaburan Al Awfar & Penulisan Wasiat.