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      <title>Topic 1: Source of finance by Hazirah Shukri</title>
      <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2024-11-07 01:05:35 UTC</pubDate>
      <lastBuildDate>2024-11-07 06:30:06 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205875887</link>
         <description><![CDATA[<p>Matcha cafe </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:16:22 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205875887</guid>
      </item>
      <item>
         <title>Clothing/Textiles</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205876238</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:16:35 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205876238</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205876855</link>
         <description><![CDATA[<p>clothing business</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:17:09 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205876855</guid>
      </item>
      <item>
         <title>Gym</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877093</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:17:21 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877093</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877662</link>
         <description><![CDATA[<p>devices &amp; accessories </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:17:42 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877662</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877915</link>
         <description><![CDATA[<p>rotigirl bakeshop </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:17:55 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205877915</guid>
      </item>
      <item>
         <title>Winstone </title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878189</link>
         <description><![CDATA[<p>Sukiyaki</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:06 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878189</guid>
      </item>
      <item>
         <title>Labour, Rent, Utilities, Permit, Materials, License fee, Marketing Cost, Machinery cost</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878743</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:32 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878743</guid>
      </item>
      <item>
         <title>Bookshop</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878770</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:33 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878770</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878910</link>
         <description><![CDATA[<p>rent, employees, oven, ingredients and utilities bills </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:39 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878910</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878966</link>
         <description><![CDATA[<p>flower shop</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:42 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205878966</guid>
      </item>
      <item>
         <title>bars</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879061</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:18:47 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879061</guid>
      </item>
      <item>
         <title>Start with loan and use your profits to expand the business </title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879672</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:19:12 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879672</guid>
      </item>
      <item>
         <title>Labubu Reseller (Online)</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879910</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:19:20 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205879910</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880268</link>
         <description><![CDATA[<ul><li><p>matcha suppliers</p></li><li><p>Tools suppliers</p></li><li><p>Rent</p></li><li><p>Salary for employees </p></li><li><p>Day-to-day expenses (water bills/electricity etc)</p></li><li><p>Other ingredients suppliers</p></li><li><p>Permit</p></li><li><p>Shop decorations</p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:19:35 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880268</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880516</link>
         <description><![CDATA[<p>rent, stock, utilities, salaries, equipment, furniture</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:19:47 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880516</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880613</link>
         <description><![CDATA[<p>start with capital investment and expand the business with the profits </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:19:49 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205880613</guid>
      </item>
      <item>
         <title>Quite a bit</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881089</link>
         <description><![CDATA[<p>Power, water, carriage inwards, the books themselves, rent, employees' salary, licenses to sell the books.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:11 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881089</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881268</link>
         <description><![CDATA[<ul><li><p>fabric</p></li><li><p>equipment (sewing machine, needles)</p></li><li><p>utility</p></li><li><p>rent</p></li><li><p>insurance</p><p><br/></p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:20 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881268</guid>
      </item>
      <item>
         <title>Winstone</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881396</link>
         <description><![CDATA[<p>Rent, renovations, utilities, staff, equipment, furniture , ingredients, advertising, restaurant license</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:26 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881396</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881608</link>
         <description><![CDATA[<p>rent, devices, accessories, payment for workers, maintaining the store, designing the store, necessities </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:36 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881608</guid>
      </item>
      <item>
         <title>Shipping Costs + Taxation(?)</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881647</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:39 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881647</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881668</link>
         <description><![CDATA[<p>get a loan and capital investment</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:20:40 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205881668</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205882888</link>
         <description><![CDATA[<ul><li><p>Bank loans</p></li><li><p>Own savings</p></li><li><p>Trade credit </p></li><li><p>Share capital</p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:21:37 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205882888</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883007</link>
         <description><![CDATA[<p>capital investment then proceed with profits from business constantly reinvesting till there’s a steady flow of income/money flow</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:21:43 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883007</guid>
      </item>
      <item>
         <title>license fees, furniture, bartender, liquor</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883079</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:21:47 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883079</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883097</link>
         <description><![CDATA[<p>personal savings/borrow from friends and family</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:21:48 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883097</guid>
      </item>
      <item>
         <title>Yungbing, wesley, jim , joel</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883258</link>
         <description><![CDATA[<ol><li><p>Premium recon car dealer</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:21:56 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883258</guid>
      </item>
      <item>
         <title>Working another job to fund the capital investment for my business.</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883513</link>
         <description><![CDATA[<p>Either that or ask family for some help, and make sure to repay the loan ig. Don't ever borrow from loan sharks.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:22:10 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883513</guid>
      </item>
      <item>
         <title>utilities, rent expenses, wages and salaries, purchases of vehicles</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883927</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:22:30 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205883927</guid>
      </item>
      <item>
         <title>Gym </title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205884173</link>
         <description><![CDATA[<p>Expenses involved includes</p><ol><li><p> Equipment such as treadmills, weights etc</p></li><li><p>Facility rent like buying space for the gym </p></li><li><p>Renovation and design such as creating a functional and appealing layout </p></li><li><p>Staff people like hiring trainers, receptionist and cleaning staff</p></li><li><p>Marketing to advertise and attract members</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:22:43 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205884173</guid>
      </item>
      <item>
         <title>get a bank loan and write a business plan to  find investors to expand business</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205884195</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:22:44 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205884195</guid>
      </item>
      <item>
         <title>Borrow an amount of finances and enough profit is made the loan will be paid off. 🤓🤗</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205885365</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:23:33 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205885365</guid>
      </item>
      <item>
         <title>Mobile pet styling van</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205886700</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:24:38 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205886700</guid>
      </item>
      <item>
         <title>Gym </title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205887147</link>
         <description><![CDATA[<p><br/></p><p>Personal savings by using my own money to start small or maybe an investor because partnering with someone can help fund the startup which will help benefit long term </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:24:59 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205887147</guid>
      </item>
      <item>
         <title>Winstone</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205887389</link>
         <description><![CDATA[<p>Gather investment either from partners, close friends or family. Other option is to seek a loan from the bank better to use the loan amount to coverage a smaller part of the cost instead of most to avoid potentially high interests. During business periods overdrafts may be used to improve cash flow for a short period of time or for future expansions.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:25:11 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205887389</guid>
      </item>
      <item>
         <title>Van, materials for pet styling,  van driver, etc</title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205888178</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:25:43 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205888178</guid>
      </item>
      <item>
         <title>For the van and to pay driver, get a loan from the bank and pay it back over time </title>
         <author></author>
         <link>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205893523</link>
         <description><![CDATA[<p>For the materials like shampoo and towels, can use own money for buy</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-11-07 06:28:53 UTC</pubDate>
         <guid>https://padlet.com/PIBF001APR24/r4vlmiyx4codlcg8/wish/3205893523</guid>
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