{"id":20,"date":"2026-08-25T16:57:20","date_gmt":"2026-08-25T16:57:20","guid":{"rendered":"https:\/\/fin.karyasaconsulting.com\/?page_id=20"},"modified":"2026-08-25T16:57:20","modified_gmt":"2026-08-25T16:57:20","slug":"financial-decision-toolkit","status":"publish","type":"page","link":"https:\/\/fin.karyasaconsulting.com\/","title":{"rendered":"Financial Decision Toolkit"},"content":{"rendered":"<div class=\"app\">\n  <aside class=\"sidebar\">\n    <div class=\"brand\">Karyasa Financial Decision Toolkit<\/div>\n    <div class=\"subbrand\">Pengurusan Kewangan untuk Kelangsungan Perniagaan<\/div>\n    <div class=\"mode\"><button type=\"button\" id=\"demoBtn\" class=\"active\" onclick=\"setMode('demo')\">Demo BBSB Niaga<\/button><button type=\"button\" id=\"ownBtn\" onclick=\"setMode('own')\">Bisnes Saya<\/button><\/div>\n    <div class=\"navlabel\">Perjalanan<\/div>\n    <button type=\"button\" class=\"navitem active\" data-screen=\"0\" onclick=\"go(0)\"><span class=\"n\">0<\/span><span class=\"navtext\">Mula & Diagnosis<small>3 soalan utama<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"1\" onclick=\"go(1)\"><span class=\"n\">1<\/span><span class=\"navtext\">Peta Kos<small>Apa kos yang bergerak?<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"2\" onclick=\"go(2)\"><span class=\"n\">2<\/span><span class=\"navtext\">Untung Bulanan<small>Apa betul-betul tinggal?<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"3\" onclick=\"go(3)\"><span class=\"n\">3<\/span><span class=\"navtext\">Jualan Minimum<small>BEP & margin keselamatan<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"4\" onclick=\"go(4)\"><span class=\"n\">4<\/span><span class=\"navtext\">Harga & Diskaun<small>Test sebelum promosi<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"5\" onclick=\"go(5)\"><span class=\"n\">5<\/span><span class=\"navtext\">Cash Terikat<small>Cash ke mana?<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"6\" onclick=\"go(6)\"><span class=\"n\">6<\/span><span class=\"navtext\">Pelan Tunai 30 Hari<small>Boleh bertahan?<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"7\" onclick=\"go(7)\"><span class=\"n\">7<\/span><span class=\"navtext\">Komitmen Besar<small>Teruskan atau tangguh?<\/small><\/span><\/button>\n    <button type=\"button\" class=\"navitem\" data-screen=\"8\" onclick=\"go(8)\"><span class=\"n\">\u2713<\/span><span class=\"navtext\">Dashboard & Tindakan<small>Keputusan 30 hari<\/small><\/span><\/button>\n  <\/aside>\n  <main class=\"main\">\n    <div class=\"topbar\"><div class=\"progress\">Langkah <strong id=\"stepText\">0 daripada 8<\/strong> \u00b7 <span id=\"modeText\">Demo BBSB NIAGA<\/span><span class=\"control-status\" id=\"controlStatus\">\u25cf Kawalan aktif<\/span><\/div><div class=\"topactions\"><button type=\"button\" class=\"btn secondary\" onclick=\"setMode('demo')\">Muat Data Contoh<\/button><button type=\"button\" class=\"btn secondary\" onclick=\"setMode('own')\">Kosongkan<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(Math.min(current+1,8))\">Seterusnya \u2192<\/button><\/div><\/div>\n    <div class=\"content\">\n\n      <section class=\"screen active\" id=\"s0\">\n        <div class=\"hero\">\n          <div class=\"eyebrow\">Bukan sistem akaun \u2014 alat membuat keputusan<\/div>\n          <h1>Daripada \u201cjualan nampak okay\u201d kepada keputusan berdasarkan nombor.<\/h1>\n          <p class=\"lead\">Web app ini membimbing pemilik bisnes memahami margin, jualan minimum, cash timing dan risiko sebelum membuat keputusan harga, promosi atau komitmen besar.<\/p>\n          <div class=\"question-grid\">\n            <div class=\"q\"><b>Jika jualan turun 20%, masih untung?<\/b><div class=\"answer\" id=\"q1\">Kita akan jawab selepas kira margin & BEP.<\/div><\/div>\n            <div class=\"q\"><b>Jika cash masuk terganggu, minggu mana bermasalah?<\/b><div class=\"answer\" id=\"q2\">Kita akan jawab selepas forecast 4 minggu.<\/div><\/div>\n            <div class=\"q\"><b>Berapa jualan minimum untuk tidak rugi?<\/b><div class=\"answer\" id=\"q3\">Kita akan jawab dalam Kalkulator BEP.<\/div><\/div>\n          <\/div>\n          <div class=\"flow\"><div>DIAGNOSE<br><small>Apa kita tak tahu?<\/small><\/div><div>UNDERSTAND<br><small>Sales, kos, margin<\/small><\/div><div>TEST<br><small>Harga & diskaun<\/small><\/div><div>FORECAST<br><small>Cash 30 hari<\/small><\/div><div>DECIDE<br><small>Komitmen besar<\/small><\/div><div>ACT<br><small>3 tindakan 30 hari<\/small><\/div><\/div>\n        <\/div>\n        <div class=\"card navy\" id=\"sampleDataCard\">\n          <div style=\"display:flex;justify-content:space-between;gap:18px;align-items:flex-start;flex-wrap:wrap\">\n            <div>\n              <div class=\"eyebrow\">Data contoh siap guna<\/div>\n              <h2 style=\"margin-top:4px\">BBSB Niaga \u2014 lihat contoh sebelum isi data sendiri<\/h2>\n              <p class=\"muted\" style=\"max-width:760px;margin-bottom:8px\">Mod Demo BBSB memuatkan satu set data lengkap supaya pengguna boleh faham aliran toolkit, melihat bagaimana setiap nombor saling berkait, dan melihat keputusan akhir sebelum menggunakan data bisnes sendiri.<\/p>\n            <\/div>\n            <div style=\"display:flex;gap:8px;flex-wrap:wrap\">\n              <button type=\"button\" class=\"btn primary\" onclick=\"setMode('demo')\">Muat Data Contoh BBSB<\/button>\n              <button type=\"button\" class=\"btn secondary\" onclick=\"setMode('own')\">Guna Data Bisnes Saya<\/button>\n            <\/div>\n          <\/div>\n          <div class=\"kpis\" style=\"margin-top:14px\">\n            <div class=\"kpi\"><div class=\"label\">Jualan Kasar \/ bulan<\/div><div class=\"value\">RM100,000<\/div><div class=\"sub\">Input contoh<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Potongan \/ Refund<\/div><div class=\"value\">RM6,000<\/div><div class=\"sub\">6% daripada jualan kasar<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Kos Berubah \/ bulan<\/div><div class=\"value\">RM59,167<\/div><div class=\"sub\">Input contoh<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Kos Tetap \/ bulan<\/div><div class=\"value\">RM31,333<\/div><div class=\"sub\">Input contoh<\/div><\/div>\n          <\/div>\n          <div class=\"two\" style=\"margin-top:12px\">\n            <div>\n              <table>\n                <thead><tr><th>Data contoh operasi & cash<\/th><th>Nilai<\/th><\/tr><\/thead>\n                <tbody>\n                  <tr><td>Cash & bank awal<\/td><td><b>RM18,000<\/b><\/td><\/tr>\n                  <tr><td>Penghutang<\/td><td><b>RM128,000<\/b><\/td><\/tr>\n                  <tr><td>Marketplace payout pending<\/td><td><b>RM47,000<\/b><\/td><\/tr>\n                  <tr><td>Stok \/ WIP<\/td><td><b>RM185,000<\/b><\/td><\/tr>\n                  <tr><td>Buffer sasaran<\/td><td><b>RM20,000<\/b><\/td><\/tr>\n                <\/tbody>\n              <\/table>\n            <\/div>\n            <div class=\"note\" style=\"margin:0\">\n              <b>Apa user akan nampak daripada data contoh ini?<\/b><br><br>\n              Jualan bersih <b>RM94,000<\/b> \u2192 margin sumbangan <b>37.06%<\/b> \u2192 untung operasi <b>RM3,500<\/b> \u2192 BEP sekitar <b>RM84,555<\/b> \u2192 margin keselamatan hanya sekitar <b>10%<\/b>.<br><br>\n              Dari sudut cash, jumlah sumber terikat ialah <b>RM360,000<\/b>. Forecast asal menunjukkan tekanan cash sebelum tindakan; selepas tindakan, cash terendah masih <b>RM0<\/b> berbanding buffer RM20,000.\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"two\">\n          <div class=\"card teal\"><h2>Profil ringkas bisnes<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Nama Bisnes<\/label><input id=\"bizName\" value=\"BBSB NIAGA\" \/><\/div><div class=\"field\"><label>Tempoh Analisis<\/label><input id=\"period\" value=\"Bulanan\" \/><\/div><div class=\"field\"><label>Jenis Bisnes<\/label><select id=\"bizType\"><option>Produk \/ Retail<\/option><option>F&B<\/option><option>Servis<\/option><option>Manufacturing<\/option><\/select><\/div><div class=\"field\"><label>Hari operasi \/ bulan<\/label><input type=\"number\" id=\"days\" value=\"26\" oninput=\"calc()\" \/><\/div><\/div><\/div>\n          <div class=\"card orange\"><h2>Purpose Karyasa Financial Decision Toolkit<\/h2><p><b>Bukan<\/b> untuk menggantikan akauntan atau accounting system.<\/p><p><b>Ya<\/b> untuk menjawab: <i>\u201cApa nombor yang patut saya tengok sebelum saya buat keputusan?\u201d<\/i><\/p><div class=\"legend\"><span class=\"pill taginput\">INPUT pengguna<\/span><span class=\"pill taglink\">DIKIRA \/ dipaut<\/span><span class=\"pill\">KEPUTUSAN<\/span><\/div><\/div>\n        <\/div>\n        <div class=\"footerbuttons\"><span><\/span><button type=\"button\" class=\"btn primary\" onclick=\"go(1)\">Mulakan Diagnosis \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s1\">\n        <div class=\"eyebrow\">Langkah 1<\/div><h1>Peta Kos \u2014 kos mana bergerak?<\/h1><p class=\"lead\">Jangan klasifikasi kos hanya kerana namanya \u201cgaji\u201d, \u201cmarketing\u201d atau \u201cutiliti\u201d. Tanya: apa yang menyebabkan kos ini berubah?<\/p>\n        <div class=\"two\">\n          <div class=\"card navy\"><h2>Jumlah kos bulanan<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Kos berubah \/ bulan<\/label><input type=\"number\" id=\"varCost\" value=\"59167\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Kos tetap \/ bulan<\/label><input type=\"number\" id=\"fixedCost\" value=\"31333\" oninput=\"calc()\" \/><\/div><\/div><div class=\"note\" style=\"margin-top:12px\">Dalam versi penuh, pengguna boleh tambah baris kos, pilih BERUBAH \/ TETAP \/ MIXED dan nyatakan cost driver serta sumber bukti.<\/div><\/div>\n          <div class=\"card teal\"><h2>Semakan stok \/ WIP<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Bahan \/ pembelian<\/label><input type=\"number\" id=\"stock1\" value=\"70000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Pembungkusan<\/label><input type=\"number\" id=\"stock2\" value=\"15000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>WIP \/ kerja belum siap<\/label><input type=\"number\" id=\"stock3\" value=\"20000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Produk siap \/ stok<\/label><input type=\"number\" id=\"stock4\" value=\"80000\" oninput=\"calc()\" \/><\/div><\/div><p class=\"muted\">Jumlah stok\/WIP: <b id=\"stockTotal\">RM185,000<\/b><\/p><\/div>\n        <\/div><div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(0)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(2)\">Lihat apa betul-betul tinggal \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s2\">\n        <div class=\"eyebrow\">Langkah 2<\/div><h1>Untung Bulanan \u2014 daripada jualan kepada baki sumbangan<\/h1><p class=\"lead\">Satu format mudah: Jualan Bersih \u2192 Kos Berubah \u2192 Margin Sumbangan \u2192 Kos Tetap \u2192 Untung Operasi.<\/p>\n        <div class=\"two\">\n          <div class=\"card navy\"><h2>Input jualan<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Jualan Kasar \/ bulan<\/label><input type=\"number\" id=\"grossSales\" value=\"100000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Voucher \/ diskaun \/ refund<\/label><input type=\"number\" id=\"leakage\" value=\"6000\" oninput=\"calc()\" \/><\/div><\/div><div class=\"legend\"><span class=\"pill taginput\">Taip sendiri<\/span><span class=\"pill taglink\">Kos datang dari Peta Kos<\/span><\/div><\/div>\n          <div class=\"card orange\"><h2>Apa maksudnya?<\/h2><div class=\"kpis\" style=\"grid-template-columns:1fr 1fr\"><div class=\"kpi\"><div class=\"label\">Jualan Bersih<\/div><div class=\"value\" id=\"netSales\">RM94,000<\/div><\/div><div class=\"kpi\"><div class=\"label\">Margin Sumbangan<\/div><div class=\"value\" id=\"cm\">RM34,833<\/div><\/div><div class=\"kpi\"><div class=\"label\">Margin Sumbangan %<\/div><div class=\"value\" id=\"cmPct\">37.06%<\/div><div class=\"sub\">baki daripada RM100 jualan bersih<\/div><\/div><div class=\"kpi\"><div class=\"label\">Untung Operasi<\/div><div class=\"value\" id=\"profit\">RM3,500<\/div><\/div><\/div><\/div>\n        <\/div><div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(1)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(3)\">Kira jualan minimum \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s3\">\n        <div class=\"eyebrow\">Langkah 3<\/div><h1>Jualan Minimum \u2014 berapa rendah sales boleh jatuh?<\/h1><div class=\"kpis\"><div class=\"kpi\"><div class=\"label\">Jualan Minimum \/ BEP<\/div><div class=\"value\" id=\"bep\">RM84,555<\/div><\/div><div class=\"kpi\"><div class=\"label\">Margin Keselamatan<\/div><div class=\"value\" id=\"mosPct\">10.0%<\/div><div class=\"sub\" id=\"mosRm\">RM9,445 ruang<\/div><\/div><div class=\"kpi\"><div class=\"label\">Sasaran Jualan Harian<\/div><div class=\"value\" id=\"dailyBep\">RM3,252<\/div><\/div><div class=\"kpi\"><div class=\"label\">Jika sales turun 20%<\/div><div class=\"value\" id=\"down20\">-RM3,467<\/div><div class=\"sub\">anggaran untung\/rugi<\/div><\/div><\/div>\n        <div class=\"card orange\" style=\"margin-top:16px\"><h2>Interpretasi<\/h2><p id=\"bepInterpret\">Sales semasa hanya sekitar 10% di atas BEP. Bisnes masih untung tetapi ruang keselamatan nipis.<\/p><\/div>\n        <div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(2)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(4)\">Uji harga & diskaun \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s4\">\n        <div class=\"eyebrow\">Langkah 4<\/div><h1>Harga & Diskaun \u2014 test sebelum buat promosi<\/h1><div class=\"two\"><div class=\"card navy\"><h2>Senario<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Perubahan Harga %<\/label><input type=\"number\" id=\"priceChange\" value=\"5\" step=\"0.5\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Perubahan Volum %<\/label><input type=\"number\" id=\"volumeChange\" value=\"0\" step=\"0.5\" oninput=\"calc()\" \/><\/div><\/div><p class=\"muted\">Contoh: harga +5%, volum sama.<\/p><\/div><div class=\"card teal\"><h2>Kesan kepada untung<\/h2><div class=\"kpis\" style=\"grid-template-columns:1fr 1fr\"><div class=\"kpi\"><div class=\"label\">Jualan Baharu<\/div><div class=\"value\" id=\"scenarioSales\">RM98,700<\/div><\/div><div class=\"kpi\"><div class=\"label\">Untung Baharu<\/div><div class=\"value\" id=\"scenarioProfit\">RM8,200<\/div><\/div><div class=\"kpi\"><div class=\"label\">Perubahan Untung<\/div><div class=\"value\" id=\"scenarioDelta\">+134%<\/div><\/div><div class=\"kpi\"><div class=\"label\">Volum perlu kekal untung<\/div><div class=\"value\" id=\"requiredVol\">\u2014<\/div><\/div><\/div><\/div><\/div><div class=\"note\">Tujuan skrin ini bukan mengajar \u201charga mesti naik\u201d. Ia memaksa keputusan harga\/diskaun diuji dengan nombor terlebih dahulu.<\/div><div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(3)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(5)\">Cari cash terikat \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s5\">\n        <div class=\"eyebrow\">Langkah 5<\/div><h1>Untung ada, cash ke mana?<\/h1><div class=\"two\"><div class=\"card navy\"><h2>Cash belum kembali ke bisnes<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Penghutang<\/label><input type=\"number\" id=\"ar\" value=\"128000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Pending marketplace payout<\/label><input type=\"number\" id=\"pending\" value=\"47000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Stok \/ WIP<\/label><input class=\"linked\" type=\"number\" id=\"stockLinked\" value=\"185000\" readonly \/><\/div><div class=\"field\"><label>Lain-lain<\/label><input type=\"number\" id=\"otherTied\" value=\"0\" oninput=\"calc()\" \/><\/div><\/div><div class=\"kpi\" style=\"margin-top:12px\"><div class=\"label\">Jumlah Cash Terikat<\/div><div class=\"value\" id=\"tiedTotal\">RM360,000<\/div><\/div><\/div><div class=\"card teal\"><h2>Jurang timing<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Hari perlu bayar<\/label><input type=\"number\" id=\"payDay\" value=\"30\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Hari cash diterima<\/label><input type=\"number\" id=\"receiveDay\" value=\"45\" oninput=\"calc()\" \/><\/div><\/div><div class=\"kpi\" style=\"margin-top:12px\"><div class=\"label\">Jurang Timing<\/div><div class=\"value\" id=\"timingGap\">15 hari<\/div><div class=\"sub\">tempoh operasi yang perlu dibiayai<\/div><\/div><div class=\"note\" style=\"margin-top:12px\">Jurang hari \u2260 funding gap RM. Funding gap sebenar diuji dalam forecast mingguan.<\/div><\/div><\/div><div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(4)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(6)\">Forecast 30 hari \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s6\">\n        <div class=\"eyebrow\">Langkah 6<\/div>\n        <h1>Pelan Tunai 30 Hari \u2014 nampak masalah sebelum bank kosong<\/h1>\n        <p class=\"lead\">Masukkan cash pada minggu ia <b>benar-benar dijangka masuk atau keluar<\/b>. Forecast asal menunjukkan apa yang berlaku jika anda tidak membuat pembetulan. Jika satu minggu negatif, sistem berhenti pada minggu itu \u2014 baiki dahulu sebelum meneruskan.<\/p>\n\n        <div class=\"card navy\">\n          <div class=\"formgrid\">\n            <div class=\"field\"><label>Baki Cash Awal<\/label><input type=\"number\" id=\"cashStart\" value=\"18000\" oninput=\"calc()\" \/><\/div>\n            <div class=\"field\"><label>Buffer Sasaran Minimum<\/label><input type=\"number\" id=\"buffer\" value=\"20000\" oninput=\"calc()\" \/><\/div>\n          <\/div>\n          <div class=\"cash-explainer\">\n            <div><b>Baki Cash Awal<\/b>Cash\/bank yang benar-benar tersedia pada hari pertama forecast.<\/div>\n            <div><b>Cash Masuk<\/b>Guna minggu kutipan sebenar \u2014 bukan tarikh invoice jika belum dibayar.<\/div>\n            <div><b>Cash Keluar<\/b>Guna minggu pembayaran sebenar \u2014 supplier, gaji, sewa, stok, ansuran dan komitmen.<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"card\">\n          <h2><span class=\"section-number\">1<\/span>Forecast Asal \u2014 jika saya tidak buat apa-apa<\/h2>\n          <p class=\"muted\">Cash masuk dan cash keluar M1\u2013M4 boleh diedit. Data BBSB Niaga telah dimuatkan sebagai contoh.<\/p>\n          <div style=\"overflow-x:auto\">\n            <table class=\"cash-forecast-table\">\n              <thead><tr><th>Minggu<\/th><th>Baki Awal<\/th><th>Cash Masuk<\/th><th>Cash Keluar<\/th><th>Baki Akhir<\/th><th>Status<\/th><\/tr><\/thead>\n              <tbody>\n                <tr id=\"origRow1\"><td><b>M1<\/b><\/td><td class=\"calc-cell\" id=\"origStart1\">RM18,000<\/td><td><input class=\"money-input\" type=\"number\" id=\"cashIn1\" value=\"10000\" min=\"0\" oninput=\"calc()\"><\/td><td><input class=\"money-input\" type=\"number\" id=\"cashOut1\" value=\"47000\" min=\"0\" oninput=\"calc()\"><\/td><td class=\"calc-cell\" id=\"origEnd1\">-RM19,000<\/td><td id=\"origStatus1\"><\/td><\/tr>\n                <tr id=\"origRow2\"><td><b>M2<\/b><\/td><td class=\"calc-cell\" id=\"origStart2\">\u2014<\/td><td><input class=\"money-input\" type=\"number\" id=\"cashIn2\" value=\"31000\" min=\"0\" oninput=\"calc()\"><\/td><td><input class=\"money-input\" type=\"number\" id=\"cashOut2\" value=\"28000\" min=\"0\" oninput=\"calc()\"><\/td><td class=\"calc-cell\" id=\"origEnd2\">BELUM DIKIRA<\/td><td id=\"origStatus2\"><\/td><\/tr>\n                <tr id=\"origRow3\"><td><b>M3<\/b><\/td><td class=\"calc-cell\" id=\"origStart3\">\u2014<\/td><td><input class=\"money-input\" type=\"number\" id=\"cashIn3\" value=\"39000\" min=\"0\" oninput=\"calc()\"><\/td><td><input class=\"money-input\" type=\"number\" id=\"cashOut3\" value=\"29000\" min=\"0\" oninput=\"calc()\"><\/td><td class=\"calc-cell\" id=\"origEnd3\">BELUM DIKIRA<\/td><td id=\"origStatus3\"><\/td><\/tr>\n                <tr id=\"origRow4\"><td><b>M4<\/b><\/td><td class=\"calc-cell\" id=\"origStart4\">\u2014<\/td><td><input class=\"money-input\" type=\"number\" id=\"cashIn4\" value=\"35000\" min=\"0\" oninput=\"calc()\"><\/td><td><input class=\"money-input\" type=\"number\" id=\"cashOut4\" value=\"14000\" min=\"0\" oninput=\"calc()\"><\/td><td class=\"calc-cell\" id=\"origEnd4\">BELUM DIKIRA<\/td><td id=\"origStatus4\"><\/td><\/tr>\n              <\/tbody>\n            <\/table>\n          <\/div>\n          <div class=\"cash-diagnosis\">\n            <div class=\"diagnostic\"><div class=\"dlabel\">Minggu kritikal pertama<\/div><div class=\"dvalue\" id=\"criticalWeek\">M1<\/div><\/div>\n            <div class=\"diagnostic\"><div class=\"dlabel\">Untuk elak negatif<\/div><div class=\"dvalue\" id=\"survivalGap\">RM19,000<\/div><\/div>\n            <div class=\"diagnostic\"><div class=\"dlabel\">Untuk capai buffer<\/div><div class=\"dvalue\" id=\"originalBufferGap\">RM39,000<\/div><\/div>\n          <\/div>\n          <div class=\"alertbox redalert\" id=\"origAlert\"><b>AMARAN CASH:<\/b> M1 dijangka negatif. Baiki M1 dahulu sebelum membawa baki ke M2.<\/div>\n        <\/div>\n\n        <div class=\"card orange\">\n          <h2><span class=\"section-number\">2<\/span>Bina tindakan pembetulan<\/h2>\n          <p class=\"muted\">Uji timing sebelum mencari pinjaman baru. Anda boleh percepat kutipan, anjak bayaran, tambah cash masuk atau kurangkan cash keluar. Setiap tindakan mesti ada amaun dan minggu.<\/p>\n          <div class=\"action-toolbar\">\n            <button type=\"button\" class=\"btn primary small\" onclick=\"addAction()\">+ Tambah Tindakan<\/button>\n            <button type=\"button\" class=\"btn secondary small\" onclick=\"loadDemoActions()\">Muat Tindakan Contoh<\/button>\n            <button type=\"button\" class=\"btn secondary small\" onclick=\"clearActions()\">Kosongkan Tindakan<\/button>\n          <\/div>\n          <div class=\"action-list\" id=\"actionList\"><\/div>\n          <div class=\"plan-callout\" id=\"actionSummary\">Masukkan tindakan untuk menguji sama ada shortfall boleh ditutup.<\/div>\n          <div style=\"margin-top:12px\"><button type=\"button\" class=\"btn primary\" onclick=\"testCashPlan()\">Uji Pelan Saya \u2193<\/button><\/div>\n        <\/div>\n\n        <div class=\"card teal\" id=\"revisedCard\">\n          <h2><span class=\"section-number\">3<\/span>Pelan Disemak \u2014 selepas tindakan<\/h2>\n          <p class=\"muted\">Pelan disemak hanya dianggap boleh bergerak jika tiada minggu negatif. KUNING bermaksud cash masih di bawah buffer; HIJAU bermaksud semua minggu mencapai buffer.<\/p>\n          <div style=\"overflow-x:auto\">\n            <table class=\"cash-forecast-table\">\n              <thead><tr><th>Minggu<\/th><th>Baki Awal<\/th><th>Cash Masuk<\/th><th>Cash Keluar<\/th><th>Baki Akhir<\/th><th>Status<\/th><\/tr><\/thead>\n              <tbody id=\"revisedCashTable\"><\/tbody>\n            <\/table>\n          <\/div>\n          <div class=\"kpis\" style=\"margin-top:14px\">\n            <div class=\"kpi\"><div class=\"label\">Cash Terendah<\/div><div class=\"value\" id=\"minCash\">RM0<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Jurang ke Buffer<\/div><div class=\"value\" id=\"bufferGap\">RM20,000<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Status Pelan<\/div><div class=\"value\" id=\"cashStatusText\" style=\"font-size:20px\">KUNING<\/div><\/div>\n            <div class=\"kpi\"><div class=\"label\">Baki Hujung M4<\/div><div class=\"value\" id=\"endCash\">RM15,000<\/div><\/div>\n          <\/div>\n          <div class=\"alertbox yellowalert\" id=\"revisedAlert\"><b>Pelan boleh bergerak tetapi masih rapuh.<\/b> Shortfall telah ditutup, namun buffer sasaran belum dicapai.<\/div>\n        <\/div>\n\n        <div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(5)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(7)\">Uji komitmen besar \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s7\">\n        <div class=\"eyebrow\">Langkah 7<\/div><h1>Sebelum Ambil Komitmen Besar<\/h1><p class=\"lead\">Pekerja baharu, mesin, premis, stok pukal atau pinjaman mesti diuji terhadap kekuatan core business dan cash.<\/p><div class=\"two\"><div class=\"card navy\"><h2>Gate Check<\/h2><table><tbody><tr><td>Margin sumbangan positif?<\/td><td id=\"gate1\"><\/td><\/tr><tr><td>Pelan cash selepas tindakan tidak negatif?<\/td><td id=\"gate2\"><\/td><\/tr><tr><td>Cash terendah mencapai buffer?<\/td><td id=\"gate3\"><\/td><\/tr><tr><th>Bilangan YA<\/th><th id=\"gateCount\">1 \/ 3<\/th><\/tr><\/tbody><\/table><\/div><div class=\"card orange\"><h2>Komitmen yang sedang dinilai<\/h2><div class=\"formgrid\"><div class=\"field\"><label>Nama Komitmen<\/label><input id=\"commitName\" value=\"Expansion \/ Premis Baharu\" \/><\/div><div class=\"field\"><label>Cash Awal (RM)<\/label><input type=\"number\" id=\"commitCash\" value=\"185000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Kos Tetap Tambahan \/ bulan<\/label><input type=\"number\" id=\"commitFixed\" value=\"12000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Jualan Tambahan Dijangka<\/label><input type=\"number\" id=\"commitSales\" value=\"45000\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Margin Senario %<\/label><input type=\"number\" id=\"commitMargin\" value=\"35\" oninput=\"calc()\" \/><\/div><div class=\"field\"><label>Payback Maksimum Diterima<\/label><input type=\"number\" id=\"maxPayback\" value=\"36\" oninput=\"calc()\" \/><\/div><\/div><\/div><\/div>\n        <div class=\"kpis\"><div class=\"kpi\"><div class=\"label\">Jualan Tambahan Minimum<\/div><div class=\"value\" id=\"commitBep\">RM34,286<\/div><\/div><div class=\"kpi\"><div class=\"label\">Untung Tambahan<\/div><div class=\"value\" id=\"commitProfit\">RM3,750<\/div><\/div><div class=\"kpi\"><div class=\"label\">Simple Payback<\/div><div class=\"value\" id=\"payback\">49.3 bln<\/div><\/div><div class=\"kpi\"><div class=\"label\">Signal Keputusan<\/div><div class=\"decision\" id=\"decision\">STABILKAN DAHULU<\/div><\/div><\/div><div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(6)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"go(8)\">Buka Dashboard \u2192<\/button><\/div>\n      <\/section>\n\n      <section class=\"screen\" id=\"s8\">\n        <div class=\"eyebrow\">Hasil Akhir<\/div><h1>Dashboard \u2014 bukan topik baru, tetapi kesimpulan perjalanan<\/h1><p class=\"lead\">Semua nombor di bawah datang daripada langkah yang telah dibuat. Dashboard menjawab \u201capa keadaan bisnes sekarang, apa risikonya, dan apa tindakan 30 hari?\u201d<\/p>\n        <div class=\"kpis\" id=\"dashKpis\"><\/div>\n        <div class=\"two\" style=\"margin-top:16px\"><div class=\"card navy\"><h2>Cash vs Buffer \u2014 4 Minggu<\/h2><div class=\"barset\" id=\"bars\"><\/div><div class=\"bufferline\"><span>Buffer sasaran<\/span><\/div><\/div><div class=\"decisionbox\"><div class=\"eyebrow\">Keputusan komitmen besar<\/div><div class=\"decision\" id=\"dashDecision\">STABILKAN DAHULU<\/div><p class=\"muted\" id=\"dashReason\">Core cash masih rapuh \/ buffer belum dicapai.<\/p><hr style=\"border:0;border-top:1px solid #e3e8ef;margin:16px 0\"><b>Jawapan kepada 3 soalan pagi<\/b><p class=\"mini\" id=\"finalAnswers\"><\/p><\/div><\/div>\n        <div class=\"card orange\"><h2>Pelan Tindakan 30 Hari<\/h2><div class=\"actionrow\"><b>Margin \/ Untung<\/b><input id=\"a1now\" readonly class=\"linked\"><input placeholder=\"Sasaran\"><input placeholder=\"Tindakan spesifik\"><input type=\"date\"><\/div><div class=\"actionrow\"><b>Cash<\/b><input id=\"a2now\" readonly class=\"linked\"><input placeholder=\"Sasaran\"><input placeholder=\"Tindakan spesifik\"><input type=\"date\"><\/div><div class=\"actionrow\"><b>Risiko \/ Komitmen<\/b><input id=\"a3now\" readonly class=\"linked\"><input placeholder=\"Sasaran\"><input placeholder=\"Tindakan spesifik\"><input type=\"date\"><\/div><div class=\"note\" style=\"margin-top:12px\">Tindakan mesti spesifik, bernombor dan bertarikh \u2014 bukan sekadar \u201ctingkatkan jualan\u201d.<\/div><\/div>\n        <div class=\"footerbuttons\"><button type=\"button\" class=\"btn secondary\" onclick=\"go(7)\">\u2190 Kembali<\/button><button type=\"button\" class=\"btn primary\" onclick=\"window.print()\">Cetak Ringkasan<\/button><\/div>\n      <\/section>\n    <\/div>\n  <\/main>\n<\/div>\n<div class=\"toast\" id=\"toast\" role=\"status\" aria-live=\"polite\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-20","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"admin","author_link":"https:\/\/fin.karyasaconsulting.com\/?author=1"},"uagb_comment_info":0,"uagb_excerpt":null,"_links":{"self":[{"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/pages\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20"}],"version-history":[{"count":1,"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/pages\/20\/revisions"}],"predecessor-version":[{"id":21,"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=\/wp\/v2\/pages\/20\/revisions\/21"}],"wp:attachment":[{"href":"https:\/\/fin.karyasaconsulting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}