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Welcome to Malaysian Indian Business Co-operative (MIBC)
Have you registered in the MIBC's Business Directory? PDF Print E-mail
Written by ganapathy ramasamy   
Saturday, 06 October 2012 00:54

MIBC’s Business Directory has slightly more than 100 businesses, largely Indian businesses listed. We hope the advertisers have managed to get new customers through this listing.

However we still have a lot of businesses out there who may be able to benefit through listing with MIBC but have not, for one reason or another listed with this website.

We have more than 9000 members who visit this site and some of them use this site to look for service providers. We do get  requests for basic services like air-conditioning, plumbing, electical works and even landscaping. Usually we provide them with contacts that we have.

The number 1 reason most businesses advertise is to get new customers. MIBC website has  9000 members and more than 50,000 hits. Our visitors do use our website to search for goods   and services. Reach out to new customers by enlisting in our directory.

Customers today have very little loyalty. They are spoilt by choice. This is probably because they are  being bombarded by all sorts of advertising... better deals, better sales, better service. Our visitors come to our online directory looking for businesses who can service their needs. Don't let your customers forget who you are and make sure you're visible in our directory, when they are ready to use your service.

Immediate gratification is what it's all about in today's society. When we need something we want it right away, not necessarily because we're impatient but often  there is a real need and there is a lack of time to research the best products or multiple companies. So if you're not infront of people when they need you,  you've lost that business to others.

Make sure you're in our directory to enable members to seek you out.

MIBC's Safety Box arrangements for members/non members PDF Print E-mail
Written by ganapathy   
Saturday, 23 July 2011 12:32

MIBC in its efforts to increase the business profile of the co operative and benefits to its shaeholders has entered into a business arrangement  with Melawati Safety Box (M) Sdn Bhd. They are a private safe deposit box company which offers a safe and secure storage facility for individuals who want a better way to store their valuables and important documents.

Established in 2009, its comes under the umbrella of Melawati Security Sdn Bhd incorporated to provide security services.  The people behind this company provide years of  experience and expertise to make Melawati Safety Box a trusted name in safety. They include:

Dato Syed Abdul Rahman - Former CPO of Royal Malaysian Police, Bukit Aman

Dato Karuppiah Muthu – Former Director of Royal Malaysian Customs

Dato Syed Mohsen – Well known in construction industry


The premise features advance security systems using very high tech electronic and physical surveillance and vibration and heat system. Some of which are:

-  surrounded with 30.48 cm thick concrete wall with steel plates makes the vault impenetrable

-  24 hours surveillance by armed guards and CCTV systems

-  built in airtight vault specially built by Lords, a trusted name in heavy security cabinets and enclosure   systems


Size A : 5” x 5”x 23            = RM 250.00

Size B : 5” x 10” x 23         = RM 380.00

Size C : 10” x 10” x 23       = RM 430.00


-   All members will enjoy a 25% discount on the annual rental and the subsequent rentals

-   Members will enjoy a RM30 referral fees for bringing customers to rent a box. The referrals shall not include members of MIBC


Conveniently located in the commercial hub of Brickfields

Address   :    1-3 A,  30, Jalan Thambapillai, Brickfields, 50470 Kuala Lumpur

Tel            :   03 22603227

Fax           :   03 22603228

Website :    www.melawatisafetybox.com

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Business Savvy - Guide to Customer service PDF Print E-mail
Written by ganapathy   
Saturday, 10 July 2010 00:06

Business Savvy - Guide to Customer Service

I have witnessed a great number of employees dealing with customers and doing a very bad job of it. Surprisingly not only employees but bosses themselves are guilty of poor customer service. They seem not to appreciate that customers are the very lifeline of their business.

In the words of M.K. Ghandi:

A customer is the most important visitor to our premises.
He is not dependant on us; we are dependant on him.
He is not an interruption to our work.
He is the purpose of it.
He is not an outsider to our business.
He is a part of it.
We are not doing him a favour by serving him.
He is doing us a favour by giving us an opportunity to do so.

I relate below three stories that I witnessed. They are unfortunately true stories and they have paid their dues for failing to recognize that the customer is the most important visitor to their place. There are many more pathetic ones but these three are enough to set our businessmen to review their thoughts on customers to survive in this competitive world of attracting new businesses. 

The short-sighted Optician
I remember walking into an optician’s shop one day some years ago with a friend who needed glasses. We were referred to this lady optician by a close friend of ours. By way of small talk we did inform the optician that we were referred to her shop by a friend and gave her the name of our contact. She did not know our contact and said so. Of course we were a bit disappointed.
After choosing the correct frame my friend asked for the price. The optician quoted a price. It was well beyond the budget of my friend and he asked the optician whether she could give him a discount for the frame. She gave a tongue lashing to my friend and said he should not have tried out the frame if he was not keen on buying it. She asked for details of our contact who had referred us to the shop and said she will speak to him not to send people like us to her shop. That was the last visit to the shop and as we had predicted the shop was out of business in no time. We were not surprised.

Pharmacist who wanted out
On another occasion I walked into a pharmacy to purchase some medicines – the way pharmacies have turned out they are more sundry goods dealers than into dispensing medicines. There were two girls chatting away at the entrance to the shop.  There was no one in sight in the pharmacy and I walked between the shelves hoping to catch a glimpse of any sales person. There was none. I could not believe my eyes. Just as I was about to leave the shop one of the girls still standing outside and chatting away asked “You looking for something!” I realized she must be connected with the pharmacy and told her my needs. She did not have it, said so and continued her discussions with her friend. Later I was to discover she was the pharmacist in charge. This shop too was closed in a matter of months.

The not so cool Air-Cond Guy
Muthu not his real name advertised in the Star offering air conditioning services. I had a regular Air - Cond guy but I wanted to try out Muthu after all he is my countryman. I rang him up, told him I wished to service 4 units of air-conditioners. He was courteous and an appointment was made for 9.30am on Monday for us to meet up at the property where the air conditioners were installed. At 9.00am on the Monday morning I made my way to the property and waited for Muthu’s arrival. At 10.00am there was no sign of Muthu. I rang him up on his mobile. He did not pick it up. At 10.15 I tried again. This time he picked up his hand phone. I asked him where he was. He was in Ampang servicing another aircond, is about to finish and sought an hours postponement. Since I was at the property I had to say ok to him as I had little choice. At 11.30am there was no sign of Muthu nor a call. I rang him up again. He told me in tamil that he is on his way. I waited another hour and rang him up. There was no apology from him but he said he was suddenly called up by another client and he was attending to him and that he will be at my place by 2.00pm. I was quite ready to burst out but held my cool and said I shall wait for him. I went down had my lunch and returned to the property at 1.30pm. At 2.00pm there was still no sign of Muthu. I still gave him 15 minutes. Still no sign nor even a call. That was the last straw. I called him up and gave him the shelling of his life. I think Muthu is now out of business too as I do not see his advertisements again.   

The errors these three cases show is an indifference to the customer’s needs. We need to make sure the customer is attended to as promised. After all a sale is concluded only with a willing seller and willing buyer. If the price quoted by the customer is unreasonable you can politely tell him of your inability to meet his price and perhaps suggest an alternative. There is no reason to get upset with him.

On time management if you are held back for some reason do ring up your customer and inform him of your problem I am sure he will understand and be happy to oblige you. I have seen salesgirls in Indian shops totally ignoring a walk in customer. Either they are shy or have not been sufficiently trained by the employer on customer service. In the end it is the owner who loses out on a sale.

Some useful  pointers

• Treat every customer as special
• Courteous – focus on their needs not yours. Follow  up to ensure they are         satisfied.
• Personal – Provide one-on-one service to all customers. Show them you care         enough not only to understand their problem but also to resolve it – or         find someone who can.
• Rapid – Help customers immediately.  

Ganapathy Ramasamy,
Director MIBC   

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Last Updated ( Sunday, 11 July 2010 00:44 )
Loans for Self-employed to purchase homes PDF Print E-mail
Written by ganapathy   
Friday, 09 July 2010 22:57

Users of this website are urged to spread the word around to members of our community who are self employed and need loans to purchase homes. The Syarikat Jaminan Kredit Perumahan Bhd is a wholly owned Company by the Ministry of Finance Incorporated. Given below some information on how to access these facilities.

Syarikat Jaminan Kredit Perumahan Bhd (798619-K)
12th Floor, Bangunan Setia 1,
15 Lorong Dungun, Bukit Damansara,
50490 Kuala Lumpur.
Tel: +603 2096 5000
Fax: +603 2096 5090
E-mail: SJKP Administration

SJKP has entered into arrangements with participating FIs to provide housing loans for eligible borrowers and to be guaranteed by SJKP.With the assistance of SJKP to guarantee eligible borrowers’ loan financing facilities with the banks, SJKP envisage that more Malaysians would be able to afford their own dream house.
Those who are interested to apply for the loan scheme and requires further info may contact the nearest participating FIs.We will continue to expand our services to include other Malaysian owned incorporated financial institutions in our scheme.

 Participating Financial Institutions:

Eligibility Criteria
• Malaysian citizen aged more than 18 years old
• Non fixed income earners such as petty traders, farmers, taxi drivers, fishermen etc.
• First time purchaser of low / medium cost residential property.
• For owner occupancy.
• Minimum gross monthly income of RM1,000.
-3rd party confirmation from government officer Category A, Chairman of Jawatankuasa Kemajuan dan Keselamatan Kampung (JKKK), Penghulu or elected representative.
-Proof of self employment i.e. business license/fisherman’s registration card.
-Other supporting documents to support income stream i.e savings a/c, unit trust a/c.
• Must resides within 20 km radius from the bank where the application is being made.
• Other conditions.
-Housing loan repayment < 40% of gross income.
-Total loan repayment < 65% of gross income.
-CCRIS record of arrears < 2 months for the last 12 months.
-No other adverse records for the last 24 months.

Ganapathy Ramasamy
Tel: 0320726677/78
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Last Updated ( Saturday, 10 July 2010 00:08 )

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