{"id":24618,"date":"2025-02-28T10:54:18","date_gmt":"2025-02-28T02:54:18","guid":{"rendered":"https:\/\/www.punb.com.my\/?post_type=usahawanasional&#038;p=24618"},"modified":"2025-05-28T14:30:23","modified_gmt":"2025-05-28T06:30:23","slug":"pembiayaan-atau-modal-sendiri","status":"publish","type":"usahawanasional","link":"https:\/\/www.punb.com.my\/ms\/usahawanasional\/pembiayaan-atau-modal-sendiri\/","title":{"rendered":"Pembiayaan atau Modal Sendiri?"},"content":{"rendered":"<p>Pilihan antara <strong>pembiayaan<\/strong> atau <strong>modal sendiri<\/strong> dalam memulakan atau mengembangkan perniagaan bergantung kepada beberapa faktor seperti matlamat perniagaan, tahap risiko yang sanggup diambil dan keperluan kewangan. Berikut adalah kelebihan dan kekurangan setiap pilihan:<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-24626 size-full aligncenter\" src=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1.jpg\" alt=\"\" width=\"800\" height=\"2000\" srcset=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1.jpg 800w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1-120x300.jpg 120w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1-410x1024.jpg 410w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1-768x1920.jpg 768w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1-614x1536.jpg 614w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-1-1-5x12.jpg 5w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><img decoding=\"async\" class=\"wp-image-24627 size-full aligncenter\" src=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2.jpg\" alt=\"\" width=\"800\" height=\"1908\" srcset=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2.jpg 800w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2-126x300.jpg 126w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2-429x1024.jpg 429w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2-768x1832.jpg 768w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2-644x1536.jpg 644w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2025\/04\/Pembiayaan-atau-Modal-Sendiri-2-5x12.jpg 5w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Pilihan antara pembiayaan atau modal sendiri dalam memulakan atau mengembangkan perniagaan bergantung kepada beberapa faktor seperti matlamat perniagaan, tahap risiko yang sanggup diambil dan keperluan kewangan. Berikut adalah kelebihan dan kekurangan setiap pilihan: &nbsp;<\/p>","protected":false},"author":15,"featured_media":26115,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","usahawanasional_tag":[1455,1478,1567],"usahawanasional_category":[1134,1374],"class_list":["post-24618","usahawanasional","type-usahawanasional","status-publish","has-post-thumbnail","hentry","usahawanasional_tag-perniagaan","usahawanasional_tag-punb","usahawanasional_tag-usahawan","usahawanasional_category-celoteh-pakar","usahawanasional_category-malay"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional\/24618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional"}],"about":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/types\/usahawanasional"}],"author":[{"embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/comments?post=24618"}],"version-history":[{"count":3,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional\/24618\/revisions"}],"predecessor-version":[{"id":26117,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional\/24618\/revisions\/26117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/media\/26115"}],"wp:attachment":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/media?parent=24618"}],"wp:term":[{"taxonomy":"usahawanasional_tag","embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional_tag?post=24618"},{"taxonomy":"usahawanasional_category","embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/usahawanasional_category?post=24618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}