Business Connect Issue 88

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SPRING 2012  ISSUE 88

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Editor Ashley Penny (02) 9458 7255 businessconnect@nswbc.com.au Copy Editor Mitchell Lewis DESIGNER Rebecca Solberg PhotographER Dan Gosse Advertising enquiries Ashley Penny (02) 9458 7255 businessconnect@nswbc.com.au

NSW Business Chamber Locked Bag 938, North Sydney, NSW 2059 t 13 26 96  f 1300 655 277  e memberservices@nswbc.com.au w nswbusinesschamber.com.au Chief Executive Officer: Stephen Cartwright Business Connect Magazine is published quarterly. Subscriptions: $44 per annum (incl GST). Registered by Australia Post publication number: pp255003/03891 ISSN: 1328-259x. The information published in Business Connect Magazine is subject to copyright and may not be reproduced in any form without written permission from NSW Business Chamber. The opinions expressed in Business Connect Magazine do not necessarily represent the opinions of NSW Business Chamber or its staff. The information published in Business Connect Magazine is intended as general information only and should not be relied on in place of specific legal or professional advice. No responsibility or liability is accepted by NSW Business Chamber or its staff for any claim which may arise from any person acting on the information published in Business Connect Magazine.

News

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NewSouth Innovations

Executive Leaders Luncheon with Nick Greiner

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The Advanced Manufacturing Cooperative Research Centre Ltd 27

Australian Chambers Business Congress in review

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ADVOCACY 11

High-speed rail

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A culturally-competent Australia 14

Innovation profile: Ensitech

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Training profile: Milspec

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Beware of indemnities

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MANUFACTURING

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FINANCE Chasing debtors

COMMUNICATIONS

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MEMBERS Central West Orana profile

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New members

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Chamber advocacy: new challenges, old bonds

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SKILLS

Manufacturing Master Class

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New employer incentives for apprentices

Enterprise Connect profile: Parilla Fresh

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LAW

Red Tape Taskforce

Joining the dots with Linkedin

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News Business leaders meet in the west David Borger, Western Sydney Director for the Sydney Business Chamber, recently met with key business stakeholders at an event hosted by the Penrith Valley Chamber of Commerce.

Photo left to right: Bradd Morelli, Stephen Sneddon, Kevin McConkey, Kristen Keegan, Mark Fitzgibbon, Glen Spicer, Richard Anicich and Gary Webb

Hunter Business Chamber salutes achievers Congratulations to Mark Fitzgibbon, named Hunter Business Chamber’s Business Person of the Year. The Chief Executive Officer and Managing Director of NIB won the coveted title at the Hunter Business Chamber Awards at Wests New Lambton before more than 500 people. Civil engineer Hugh Tait was named Young Achiever of the Year, beating a strong field of talented contenders. Rio Tinto Coal subsidiary Coal & Allied won the President’s Award for its contribution to the region that dates back, including its forbears, to 1843.

• Contribution to the Region: EJE Architecture • Customer Service: The Greater Building Society

ABAC clients shine at the NSW Training Awards Over 700 guests from the training sector, business, government and the community saw five Australian Business Apprenticeships Centre clients claim prizes at the 2012 NSW Training Awards on Tuesday 28 August at the Sydney Convention and Exhibition Centre. ABAC’s winners at the event, hosted by the NSW Minister for Education, The Hon. Adrian Piccoli, were:

Other winners included:

• William Peters - Apprentice of the Year

• Hunter Water Savers Award: East Maitland Bowling Club

• David Failla - Trainee of the Year

• Excellence in Safety: Hunter Springwater • Small Business Excellence: Auto Advantage • Innovation to Environmental Sustainability: Eraring Energy • Business Achievement: Whiteley Corporation

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• Jessica Taggart - School-based Apprentice/Trainee of the Year • Sam Hodder - VET In Schools Student of the Year • Milspec Manufacturing - Large Employer of the Year

NSW Business Chamber CEO Stephen Cartwright and Sydney Business Chamber Executive Director The Hon. Patricia Forsythe were in attendance, along with representatives from Penrith City Council, Penrith Business Alliance, Penrith Business Enterprise Centre, Penrith City Centre Association and the Australian Defence Force Reserves. Jill Woods, CEO of the Penrith Valley Chamber of Commerce, said that those who played an integral role in the business community were looking forward to working with Mr Borger to help deliver the community’s needs. Ms Woods said challenges for the region included missing transport links and the long-standing issue of creating jobs locally.

ABAC expands into the Murray-Riverina Albury employers turned out in force at Rydges Albury on Wednesday 5 September to celebrate the re-launch of Australian Business Apprenticeships Centre in the MurrayRiverina and discuss Gen Y staff and the potential clashes of the generations in the workplace. More than 80 attendees were on hand to hear psychologist Danielle Buckley discuss how the different generations have been raised, and how to overcome potential clashes between them in the workplace and strategies for engaging and mentoring Gen Y staff to success. This is especially important


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News for apprentices who are typically embarking on a four year commitment. Visit apprenticeshipscentre.com.au for more information.

HR Advance is a winner again! Australia’s premier HR management tool, HR Advance has won the B2B Standard of Excellence category in the Web Marketing Association’s 2012 WebAwards. HR Advance is a comprehensive library of fully customisable HR documents including contracts, policies, forms, correspondence and checklists. All documents come with extensive notes on their use and application. This honour continues HR Advance's history of success, after being awarded the 2007 Lawtech Award for Innovation in Legal IT. Visit hradvance.com.au for more information.

Chamber movement grows in strength NSW Business Chamber recently reached the historic milestone of 10,000 members for the first time in its 187 year history. Membership is truly representative of businesses throughout NSW, from Tweed Heads in the north, to Albury in the south, and from the Sydney CBD out to Bourke. A stronger national Chamber movement that unites Australia’s eight state and territory chambers is generating Australian firsts such as the Australian Chambers Business Congress, which is creating thought leadership by harnessing the collective wisdom of business leaders every year, and the Australian Business Solutions Group, which has become a trusted business advisor to thousands of business operators in all parts of the country. Membership growth is building right across the state, with the Murray-Riverina NSW Business Chamber the latest region to achieve the 1,000 member milestone.

Networking at Night NSW Business Chamber's 'Networking at Night' event series has become the runaway hit of 2012, regularly attracting more than one hundred attendees per event. Held once a month, the series includes the '60 second soapbox', which sees attendees deliver their 'elevator pitch' to the packed room. The night can also include prize draws, social games, and other light-hearted ways of breaking the ice. A recent event at The Institute of Chartered Accountants in Sydney's CBD broke attendance records (pictured right).

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Executive Leaders Luncheon with Nick Greiner Nick Greiner, Chair of Infrastructure NSW, addressed members at an Executive Leaders Luncheon on Wednesday 31 October 2012. Amid the fine dining of Sydney Opera House, Mr Greiner discussed Infrastructure NSW's 20-year State Infrastructure Strategy. The strategy recommends priority infrastructure requirements for NSW to support economic growth, including provisions for how both public and private sector resources will deliver it. On arrival, Mr Greiner was met by the CEO and President of NSW Business Chamber, Stephen Cartwright and Terry Wetherall respectively, and the Director of Western Sydney Business Chamber, David Borger. Mr Greiner served in the roles of NSW Premier and Treasurer from 1988 to 1992.

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Business Connect

With one eye on the future and the other in the present, over one thousand delegates filled the Melbourne Convention Centre for three days between 15 and 17 August to share ideas, network and take their businesses to the next level.

Themed today, tomorrow and beyond, the second Australian Business Chambers Congress followed in the footsteps of 2011’s inaugural event with an impressive line-up of Australian and international speakers. Highlights from Day One included Harvard Professor Rosabeth Moss Kanter’s take on the attitudes of winners in business, a highly entertaining reveal of Facebook’s marketing secrets by Randi Zuckerberg and Richard Hames, the Corporate Philosopher, who helped to clear the murky waters of the megatrends of the future. After a packed first day, the spectacular Gala event at the stylish Docklands Peninsula celebrated the diverse and colourful culinary history of host city Melbourne, while providing the ideal setting for delegates to mingle and connect. Day Two commenced on an energetic note, with the Trend Hunter, Jeremy Gutsche. From the stage and beyond, leaping into the crowd, Gutsche explained why trends take off – and why a $5,000 hamburger might be worth more than one bite! *

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The closing keynote by Nobel Peace Prize winner Professor Muhammad Yunus provided a sobering perspective on the power of social responsibility. The softly-spoken Professor took delegates on the journey of how he founded Grameen Bank. His insights included the challenge of creating social change in his home country of Bangladesh by sourcing women as the bank's customer base. In between these keynotes, delegates heard from our foremost business leaders and experts on the economy, the practical application of exciting new technologies, skills and resilience, plus other critical issues like the outlook for energy prices and the art of building business relationships in China. And so, delegates left Melbourne with the message – our future is what we make it. See you in Sydney in 2013. * Find out more about the $5,000 hamburger, plus tips and insights from Congress presenters at youtube.com/user/businesscongress


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TWEET

“I loved the conference from the first session until the end. It is rare to take the time to be entertained and invigorated and come away with a renewed optimism.” Leneen Forde, Cornwall Stodart

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TWEET

“The quality of keynotes was truly exceptional. Panel presentations hit the mark in terms of currency of issues, packaging expertise with information rich exchanges between audience and keynote during question time.”

TWEET

“Two of my clients attended and they were able to connect with potential business partners at the gala dinner. That is gold.” Simon Harrop, MD, Straight Ahead Sales

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e p a T e c d r e o f R k s a T r e t o o h S e l b u o Tr NSW Business Chamber is calling on businesses across the state to share their government red tape horror stories. Small business is the engine room of the economy. But in these uncertain economic times, government and business need to work together to find better ways to improve the business environment. An important start is to find a way to reduce the administrative burden on business. Why must business owners spend a whole day, or more, each and every week, dealing with reports and paperwork, rather than getting on with the job of running their business? The NSW Business Chamber raised this with the State Treasurer. He listened, and in his 2012 Budget speech, Mike Baird announced a program to “roll up the red tape”. That program is the Red Tape Trouble

“Our annual Red Tape Survey has revealed that compliance and administration cost NSW businesses about $4.8 billion each year.” Shooter Taskforce. It’s a partnership between the Office of the Small Business Commissioner and the NSW Business Chamber to develop practical solutions to an age-old problem. The Taskforce will personally visit businesses across the state to hear directly about your reporting requirements. Stephen Cartwright, CEO of the NSW Business Chamber, is encouraging businesses – large and small – to get onboard. “With the IPART investigation into local government red tape underway, we want businesses across NSW to share their red tape stories and provide real life examples of how red tape is impacting on business operators, jobs and the economy.”

“Our annual Red Tape Survey has revealed that compliance and administration costs NSW businesses about $4.8 billion each year – that’s red tape generated by all levels of government. Importantly, business will have the opportunity to propose solutions to make the business environment less complicated, and more productive.”

So where do you go? Visit nswbusinesschamber.com.au/redtape for the latest news on Chamber advocacy, watch video comments, get involved in a member case study, read member experiences – and of course, share your own. It’s time to cut the red tape and declare the state open for business!

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NSW Business Chamber has commissioned a thought paper to illustrate how disjointed planning can deprive NSW of the speed, convenience and region-building benefits of high-speed rail. When the people of NSW hear mention of high-speed rail, we stop for a moment and dream about sailing past traffic on the F3 on a Friday night or equally, avoiding those pesky waiting times and security checks at airports. However, reality sets in and we think of high-speed rail as a long-term dream which is likely to never happen. It costs too much and we need other transport infrastructure to be built first. Sydneysiders, in particular, often believe that we need more roads, buses, light rail and suburban trains before we even start thinking about high-speed rail. But is this the right way to think about high-speed rail? Couldn’t we build high-speed rail to benefit Sydney?

How have European countries afforded high-speed rail and yet still managed to build other transport infrastructure? A number of questions spring to mind which governments – both Federal and State – don’t seem to have an answer for, or even worse, they aren’t even considering. The NSW Business Chamber therefore commissioned a

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paper to answer these questions. The paper, Liveable Sydney: How would high-speed rail change Sydney and NSW, focuses on high-speed rail from a Sydney perspective, as this is often left out of the debate, other than to discuss where the Sydney station should be and to focus on how much it would cost. But what about the benefits to Sydney? Sydney’s population is forecast to grow beyond eight million people by 2056. And yet Sydney is already faced with relatively low housing affordability. Even if we increase greenfield and infill residential development, are we going to do so at a fast-enough rate to affordably house this growing population? Our research shows that, if built and operated appropriately, high-speed rail could open up areas traditionally outside of the Sydney Metropolitan area, encouraging people to live and commute in regions such as the

Southern Highlands. However, these factors are not being considered by governments in their policy making. Policies to do with housing and land use are overlooking the role highspeed rail could play, and vice versa. In addition, when we talk about Sydney and high-speed rail, we cannot ignore the decision about the location of Sydney’s station.

What will be the impact on Sydney’s transport network if we suddenly have thousands of daily passengers requiring transport to and from any of the three station location options identified for Sydney: Parramatta, Homebush and Eveleigh/Central? Needless to say, the city’s current transport system would not cope. Despite this, the NSW Government’s transport planning doesn’t appear to accommodate the impact a high-speed rail service would have on Sydney’s transport system. The recent draft Long Term Transport Master Plan is evidence of this, with only minimal reference to a high-speed rail network in NSW. This is why NSW Business Chamber advocates greater engagement between the Federal and NSW Governments on creating a shared objective for high-speed rail and associated transport and land use. High-speed rail is simply too significant in terms of costs and potential benefits to be undertaken as a stand-alone project. Time also shapes the stance of the NSW Government. High-speed rail is viewed as a much longer-term option than the Government’s 20-year timeframe. And while these plans outline worthy projects in Sydney, NSW Business Chamber believes the State Government should look beyond the parameters of two decades. Why not extend the vision for Sydney out to, say, 2061? This greater vision can grow through collaboration with the Federal Government, which is increasing a role in both planning and providing infrastructure. Our paper also examines how other cities managed to build high-speed rail despite other calls on uses of public


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Larissa Cassidy Policy Adviser, Infrastructure NSW Business Chamber

funding. In almost every international case-study, high-speed rail was built not by the expensive dedicated infrastructure (which is being proposed in the Federal Government’s current high-speed rail feasibility study), but by first integrating high-speed rail services with suburban rail systems. High-speed rail networks are rarely built in a single step because the economics generally don’t stack up. Typically, they are built incrementally using existing infrastructure where possible, until dedicated highspeed rail can be justified. For instance, the Eurostar service originally operated on shared infrastructure which, despite limiting the speed of the service to less than 80km/ hour in places, managed to secure a share of more than 60 per cent of the intercity travel market. This experience demonstrates that the benefits of high-speed rail are not dependent on the provision of fastest possible service on dedicated infrastructure. Integrating high-speed rail would enable the commencement of highspeed rail much earlier and would place a much lower call on both federal and state government spending. The Federal Government has dismissed the idea of integration with the suburban rail system: firstly, on the basis of congestion. However, our paper demonstrates that integration is possible with the proposed future network enhancements, such as a second harbour crossing. The Federal Government also cited the possibility of delayed travel times. This is based on the Federal Government’s costly assumption that high-speed rail needs to be built so that travel time

between Sydney and Melbourne will be less than three hours, otherwise high-speed rail is uncompetitive. It is clear that connecting Sydney to Melbourne and Brisbane will be the second stage of building the highspeed rail network, so why has the government dismissed integration as an initial option for the first phase between Canberra and Newcastle? The NSW Government has indirectly rejected the integration option through its recently announced future rail plan, Sydney’s Rail Future. By designing part of the rail system for rapid-transit use, including the proposed second harbour crossing, the NSW Government has effectively ensured that the integration option is rendered impossible. While high-speed rail can share infrastructure with suburban rail, it cannot share with rapid-transit rail due to a number of design and operation reasons. Ultimately, if we continue to view high-speed rail as a separate project, the benefits will remain overshadowed by the costs. NSW Business Chamber will continue to advocate for better transport planning, as outlined in the thought paper: Liveable Sydney: How would high-speed rail change Sydney and NSW? Download the paper from nswbusinesschamber.com.au


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NSW Business Chamber can trace its history back to 1885 when the Chamber of Manufactures of NSW was formed. In line with this heritage – and because no successful economy operates without a vibrant manufacturing sector – NSW Business Chamber has spent the past 18 months bolstering its advocacy to government, and further increasing its engagement with local manufacturers. Our goal is to create a better business environment for manufacturing in NSW. Ably supported by the Chamber’s Policy & Advocacy team, I have been actively working through the NSW Government’s Manufacturing Task Force to improve both the business environment and opportunities for manufacturing businesses. At the time of writing, the NSW Government is considering its response to the recommendations of this Task Force. Last year, the Chamber ran a Manufacturing Innovation Master Class, with participants gleaning insights from Professor Goran Roos, an internationally-recognised leader of innovative thinking in manufacturing. Professor Roos also spoke at the 2011 and 2012 Australian Chambers Business Congress, along with leading manufacturers who shared their experiences. The Chamber’s priorities are – as our Governments’ should be – guided by the NSW Business Chamber’s recent

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research report, ‘Manufacturing Futures’. Released in 2011, the report highlighted the latest insights of the manufacturing environment, and the attributes of successful manufacturing firms, and distilled these insights into three key recommendations. These are: • Experiment with innovations. Innovate the existing business model, such as adding services, or seek to better understand and deliver on areas that customers value • Invest in people and skills. Know who the ‘right’ people are, recruit them and ensure that workforce technical, adaptability and problem solving skills are continually updated. In essence, lifelong learning. Additionally, improve managers’ people-management skills • Multiply knowledge connections. Access more knowledge and business opportunities through collaboration. Equally, accelerate the flow of new knowledge through new or deeper connections. The Report also identifies a broader change. No longer confined just to production, manufacturing is merging with services to deliver supported products which are highly valued by customers. In doing so, this fused industry is becoming an important new revenue generator. This complexity extends to customers’ needs, with a growing number of manufacturers wearing the multiple

hats of ‘inventor, supply chain manager and service provider’. A manufacturer now seeks solutions to customers’ problems, rather than supplying commoditised widgets. There are, of course, the added pressures of the high Australian dollar, a costly domestic environment, and a world bristling with competition. Our report examines this world, and the characteristics of ‘new manufacturing’. In this changing environment, the Chamber continues to support manufacturers with a raft of products and services that span trade, Work Health & Safety, industrial relations, government-funded initiatives, educational events – and much more. In this edition of Business Connect we present several viewpoints on the industry, from research and development, to profiles of ground breaking businesses assisted by the Chamber. I hope you enjoy these pages, and I look forward to providing timely updates on the Chamber’s support of manufacturing in NSW and Australia. Stephen Cartwright CEO, NSW Business Chamber


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The Manufacturing Master Class offered a workshop environment for thinking about the many kinds of innovation related to business. Facilitated by NSW Business Chamber for the benefit of members, participants were able to develop concrete business strategies under the guidance of expert facilitators, including Professor Göran Roos, a world leader in business innovation models. TUTA, Manufacturing Master Class participant TUTA is a subsidiary of Medical Australia Limited (ASX: MLA), which manufactures quality devices for the healthcare industry. TUTA has a particular expertise in sterile and non-sterile medical plastics for use in surgery and transfusion. Morgan James, Innovations Engineer, participated in the Master Class on behalf of TUTA. “Goran Roos is a talented and deep thinker. Some of his ideas, and the way he gets you to think through problems were very impressive. I was particularly enthused by his ideas of changing your business model to generate business, rather than being product or service focused. For our business, it was about looking at what we currently offer and trying to find new ways of influencing customers.

“The Master Class encourages participants to look at literally every aspect of how you do business and determine where your core valueadding areas exist. It helped me think about where our core revenue is generated, and identify the key decision makers within our customer base, such as the medical professionals within hospitals and medical clinics. We tailor our business to meet their needs. “Our most successful products are single-use disposable devices for transferring fluids to a patient. In terms of research and development, I think you need to look at simple ways of improving people’s lives. Our products are very affordable, at times only a couple of dollars, so it’s important to consider how you can further refine. It can be a matter of detail, such as how the tube works when manoeuvred in the surgery, or if the valve opening is compatible with various syringes. So a lot of the time it’s an issue of integration, rather than a new development. “At the moment, there is a trend overseas for health care units to reduce their costs, rather than prioritising the best technologies and solutions. So I think there is a role in educating the industry on how to improve their bottom line. Our communication is not focused on the product, but on creating an awareness of the solutions our products deliver.”

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Parilla Fresh grows, packages and distributes a varied product range of sprouts, bean shoots and crunchy combo health snacks from its processing facility in Sydney. In early 2011, the company engaged in the Federal Government’s Enterprise Connect program delivered by Terry O’Riordan, Business Adviser with Australian Business Consulting and Solutions. Terry conducted a business review at the firm’s Milperra site, working with the General Manager, Peter Duncan, to assess its current health, and find opportunities for business growth. Once the ink was dry, the firm promptly acted on the review’s recommendations. The core challenge applied to marketing and branding, which had until then been influenced by the major supermarkets’ advertising strategies. As part of a government funded Tailored Advisory Service grant, Parilla Fresh engaged Nadine Coady from PlanTation Marketing to assist in market research. This laid the foundations for a national marketing strategy, product regeneration, and a fresh approach to branding. “Sprouts have had an image as a first generation, old fashioned product

reminiscent of the hippy generation,” recalls Peter “With a new branding strategy we were able to target both the health conscious, as well as a brand targeted at consumers who avoided main stream supermarkets.” As a result, the firm has recently launched its 'Good 4U + U' product range into Coles and Woolworths, and 'Hugo’s Fresh' product ranges in independent markets. But that isn’t

with potential development of new types of flavoured alfalfa. Peter’s pride and passion for the business is plain to see when discussing the importance of high standards. “We have been working with the South Australian Research and Development Institute (SARDI) to improve seed sanitisation, and have worked with FSANZ to introduce National Food standards for the sprout industry

“We’re proud to assist employees with skills that not only support their work situation, but are practical in broader social use.” the end of the road. The business review also highlighted the importance of product development. Parilla Fresh subsequently signed up to Enterprise Connect’s Technology Knowledge Connect service to develop knowledge into 'micro greens'. Terry added a further dimension by connecting the firm to CSIRO food technology. So far, the relationship has broadened the company’s knowledge in lucerne seed sanitisation,

based on best practice in hygiene and seed sanitisation,” says Peter. As a result, Parilla Fresh’s advanced compliance positions it as a leader in the industry when it comes to best practice food safety techniques. While the company’s marketing and branding initiatives have repositioned the business, the ongoing success is supported by a strong internal focus. “Our internal priorities encompass people, process, and reinvestment u

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inoperational equipment,” says Peter. Adhering to these fundamentals has yielded flow-on effects. “By improving processes around bean shoot production, we have reduced water usage by 20 per cent, and reviewed energy efficiency through audits with Energy Australia.” Training shares equal prominence. All employees have completed a Certificate III in Food Processing, while 26 employees are currently engaged in the WELL (Workplace English Language & Literacy) program through the NSW Government (AMES) – yet again, introduced through Enterprise Connect. “With a largely multicultural workforce from non-English speaking backgrounds, we’re proud to assist employees with skills that not only support their work situation but are practical in broader social use.”

• New markets in South Australia and Queensland. Also increasing its independent customer base. • 38 percent increase in revenue. • Increased employment • New 'Salad 4U 2go' product range to launch. It’s very much a matter of ‘watch this space’ for Parilla Fresh. The health benefits and focus of its branding are empowering the firm in pursuing strategic partnerships. The NSW Business Chamber is a partner with the Department of Industry, Innovation, Science Research and Tertiary Education in delivering the Enterprise Connect program. Terry O’Riordan is one of 11 experienced business advisers the Chamber employs to deliver the program through NSW and Queensland. Successful participants are eligible for a $20,000 grant in matched funding to deliver the Tailored Advisory service. australianbusiness.com.au/ Enterprise-Connect

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Member Benefits

PROGRAM Energy

Sustainability

Office Solutions

Insurance

Enjoy exclusive member savings today through the new NSW Business Chamber Member Benefits Program Energy • Access great rates for your businesss electricity • Access tools and services to help you reduce your energy consumption. • Dedicated customer support phone line providing information about the program and tips to help you better manage your energy usage.

Sustainability • 10% discount on online sustainability certification – save money, attract new business and meet government tenders requirements. • Cost effective ISO14001 compliance consultation services – meet international standards for sustainability.

Insurance • Save up to 15% on Small Business Insurance.* • A choice of up to 13 covers designed for your business, including theft, glass breakage and business interruption. • Further savings on Home, Motor and Landlord insurance also available to members.*

Office Solutions • Discounts on more than just office supplies, including everyday technology, print management, promotional marketing, office products, kitchen supplies, business furniture, facility solutions and educational supplies. • Easy and secure online ordering, 24/7.

MEM 1345

nswbusinesschamber.com.au/memberbenefits *Insurance is issued by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. Any discounts only apply to the extent any minimum premium is not reached. Policy terms, conditions and exclusions apply. Please consider the PDS before making a decision.

Invigorating business Call 13

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