a' Matching Grant

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(No Transcript)
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???,??????

• a. ???(Matching Grant)
• b. ????(Micro Credit Financing)
• c. ??????(Commercial Bank)
• d. ????(Soft Loan)

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?????? Current Global Economic Outlook

• ????(2007 ??)
• ????,AIG
• ??,??,????,??
• ????,????(??,????)
• ????????
• ????????
• ??????,????(2009?9?)

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???? / ???? Local Crisis

• ???,??,??,????,????
• ????????
• 70????(11?,2008?)
• ????0.1 (2008 ???)
• ??20???????(3/2/09)
• ????(3.5 - 2.0 )
• ??????(????1478,8/2/2008)
• 600????????(10/3/2009)

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??????? SME Contribution(BNM)

• 35 to GDP ??????
• 56 to Employment ????
• (6 ????)
• 19 to Export ????

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????- ????

• ??????????? (20 ?)
• (SME Assistance Guarantee Scheme,??SAGS)
• 600????????
• a. ???????? (50 ?)
• Working Capital Guarantee Scheme
• b. ???????? (50 ?)
• Industry Restructuring Finance Guarantee Scheme

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• ????

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???? Financing Challenges(1) ????(Collateral)
??????(Bank Statement) ????(Account
Incomplete) ????????(CTOS,CCRIS)
???????????(Business Potential) ???(Company
Profile) ????(Etc)
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???? Financing Challenges(2) ????? ?????
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???? Financing Challenges(3) Bo Chap(??)
?????? ???? ???,??? ??????

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• ??????
• Financing Packages

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???,??????

• a. ???(Matching Grant)
• b. ????(Micro Credit Financing)
• c. ??????(Commercial Bank)
• d. ????(Soft Loan)

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?? Focus

• 1. ???? Government Agency
• (SMIDEC,Matrade,MDeC .)
• 2. ???? Commercial Bank
• (MBB,CIMB,OCBC,HSBC .)
• 3. ??????(MIDF,SME .)
• Development Financial Institution

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a. ??? (i) Matching Grants 1 1 (SMIDEC /
Matrade - Partial ??)

• ???? Business Start-ups(RM 100, 000)
• ???? Product and Process Improvement(RM 500, 000)
  
• ?????? Certification of ISO Systems(RM 250, 000)
• ?????? Halal Product(RM 150, 000)
• ??????? Market Development Grant(MDG - RM100,
  000)
• ?????? Branding Promotion Grant(RM 1 million)
• ?????? Product Packaging(RM 200,000)
• ???? Women Entrepreneurs

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a. ?????(ii)Matching Grants - ICT

• ???????????(MDeC)
• Pre-Seed Fund for ICT SME Technopreneurs (RM
  150, 000)
• Multimedia Development Corporation(MDeC)
• ???????
• MOSTI(www.mosti.gov.my)
• MavCap(www.mavcap.com)
• MTDC(www.mtdc.com.my)
• .Partial

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b. ???? Micro Credit Financing(i)

• ???????(Advantages)
• ???? Easy to Apply
• ??????(?????)- ????
• Speedy,Approved within 2 Days
• ???? Limited Documents Required
• ??????? No Collateral,No Guarantor
• ???????? Logo
• Pembiayaan Mikro

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b. ???? Micro Credit Financing(ii)

• ???? ?? / ??
• ???? 5??50???
• ????????? (/- 10)
• ??? 6???5?
• 6????? 3???????
• ?????? - Alliance Rakan ???????? -
  Agroban
• ???? - CIMB Bank ???? - Bank Rakyat
• ???? - Public Bank ?????? - BSN
• ???? - AmBank
• ???????? - UOB Bank
• ???????? - EONCAP Islamic Bank

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c. ?????? Commercial bank(i)

• Types of Facilities
• Issue Cheque,Current Account
• Overdraft,OD
• Working Capital
• Fixed / Term Loan
• Tradelines - BA,LC,TR,BG
• Any other credit facilities determined from time
  to time by the Bank

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c. ?????? Commercial bank(ii)

• CGC ????(??????????)
• Credit Guarantee Corporation

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c. ?????? Commercial bank(iii)

• ????????????
• SAGS - SME Assistance Guarantee Scheme
• 20 ? (3/2/2009)

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• ???????????? (20 ?)
• (SME Assistance Guarantee Scheme,??SAGS)
• ? ?????????80 ????????, ??20 ???,???????????
• ? ?????
• ? ?????????
• ? ???? ??????????????????????????
• ? ???? ????????????300???.??????????????????????
  ?????????51 ???????? ???????????????
• ? ?????? 5?
• ? ???????????,????50???
• ? ?????? ??2?3???12?31?,??????????20???,??????
  ????????,??????????
• ? ?????? ???????,???????,????,????,??????,?????,
  ???????

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c. ?????? Commercial bank(iv)

• 600 ?
• ????????
• (16/4/2009)
• Guaranteed by
• Syarikat Jaminan Pembiayaan Perniagaan
  Berhad(SJPP)

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• 1.???????? (50 ?) Working Capital Guarantee
  Scheme
• 2.???????? (50 ?) Industry Restructuring Fin
  Gtee Sch
• ? ???????80 , ??20 ???,??? ???????
• ? ???0.5
• ? ?????????
• ? ???? ????????????????
• ? ???? (1)??????2000??? (2)???
• ? ?????? 5?
• ? ????,(1) ????1000??? (2)????5000???
• ? ?????? 31/12/2010
• ? ?????? ???????,???????,????,????,??????,?????,
  ???????

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Participating Financial Institutions (In
Alphabetical Order)

• EON Bank Berhad
• EONCAP Islamic Bank Berhad
• Export-Import Bank of Malaysia Berhad
• Hong Leong Bank Berhad
• Hong Leong Islamic Bank Berhad
• HSBC Amanah Malaysia Berhad
• HSBC Bank Malaysia Berhad
• J.P. Morgan Chase Bank Berhad
• Kuwait Finance House (Malaysia) Berhad
• Malayan Banking Berhad
• Maybank Islamic Berhad
• OCBC Al-Amin Bank Berhad
• OCBC Bank (Malaysia) Berhad
• Public Bank Berhad
• Public Bank Islamic Berhad
• RHB Bank Berhad
• RHB Islamic Bank Berhad
• Standard Chartered Bank Malaysia Bhd
• Standard Chartered Saadiq Berhad

• Affin Bank Berhad
• Affin Islamic Bank Berhad
• Alliance Bank Malaysia Berhad
• Alliance Islamic Bank Berhad
• AmBank (M) Berhad
• AmIslamic Bank (M) Berhad
• Asian Finance Bank Berhad
• Bangkok Bank Berhad
• Bank Islam Malaysia Berhad
• Bank Kerjasama Rakyat Malaysia Berhad
• Bank Muamalat Malaysia Berhad
• Bank of America Malaysia Berhad
• Bank of China (Malaysia) Berhad
• Bank of Tokyo-Mitsubishi UFJ (Malaysia) Bhd
• Bank Pembangunan Malaysia Berhad
• Bank Pertanian Malaysia Berhad
• Bank Perusahaan Kecil Sederhana Msia Bhd
• Bank Simpanan Nasional
• CIMB Bank Berhad

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???? Approved Amount as at 30/4/09

• 1. ???????? WCGS
• 126 ??,1.66 ? (RM 166 million)
• 2. ???????? IRFGS
• 2??,7?? (RM 7 million)

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d. ????(i)(Soft Loan) Partial

• ???????(MIDF)
• ??????(SME Bank)
• 2 6 ????(??? Reducing Balance)
• ???( 6 24??)
• ????? 90
• ????? 5 ?

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d. ????(ii)(Soft Loan) Partial

• The Soft Loan Schemes managed by MIDF are
• Soft Loan Scheme for Automation Modernisation
  (SLSAM)
• Soft Loan Scheme for Automotive Development
  (SLSAD)
• Soft Loan Scheme for Small Medium Enterprises
  (SLSME)
• Soft Loan Scheme for Factory Relocation (SLSFR)
• Soft Loan Scheme for ICT Adoption (SLICT)
• Soft Loan Scheme for International Branding
  (SLSIB)
• Soft Loan Scheme for Capacity Development (SLSCD)

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• ????
• Counter Measure

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SMIDECs FINANCIAL ASSISTANCES FOR SMEs
GLOBALLY COMPETITIVE ??????
4. Maturity Stage
High
3. Expansion
Technology Level
2. Growth
1. Start-up Stage

• 4. Maturity ???
• Soft Loan for ICT Adoption
• SLSMEs
• Brand Promotion Grant
• Ind. Research Development Grant Scheme (IGS)

Low

• 3. Expansion ???
• Enhancing Product Packaging, Design and Labeling
  Capabilities Of SMEs
• Soft Loan for ICT Adoption
• SEAP
• Market Development
• SLSMEs
• Tech. Acquisition Fund (TAF)
• Fund for SMI 2
• Intensified Research In Priority Areas (IRPA)

Time
Assistance provided

• 2. Growth ???
• Product Process Improvement
• Productivity Quality Improvement
  Certification
• Skills Upgrading
• Market Development
• SLSMEs
• Commercialisation of RD Fund (CRDF)
• Guarantee Scheme (CGC)

• 1.???
• Start-up Stage
• Business Planning Development
• Development and Promotion of Halal Product
• Enhancing Marketing Skills of SMEs
• SLSMEs
• Seed Venture (CIP)
• Incubator Scheme

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?????? - ???????Comprehensive Financing

• 1. ??? Start Up
• ????
• ??????
• ???
• ???
• 2. ??? Growth
• ??????
• ???
• ????

• 3. ??? Expansion
• ??????
• ???
• ????
• 4. ??? Maturity
• ??????
• ???
• ????

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?????(Self Review) ??(Stubborn)
????,????(Blaming) ??????(Try New Thing)
????(Upgrading) ??????(Accept New Things)
?????(Creativity) ??? (Bank Interest too High)

• Bo Chap(??)
• ??????
• ????
• ???,???

• ??????
• (Loan Failure)

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????(i)How to Apply ?

• ?????? Approaching Existing Banker
• ???? Business License
• ???? Audited Account
• ???? Bank Statement
• ?? Supporting Documents
• Business Plan,F24,F49,B9,MA,PO,Contracts,ISO,Hal
  al etc
• ???? Website,???? Potential ?? etc

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????(ii)How to Apply ?

• ????5?C
• ?? Character - prudent
• ?? Capability - salary, tax, manage cash
• ?? Capital - paid up
• ?? Collateral - property FD
• ?? Condition - financial crisis, swine flu

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????(iii)How to Apply ?

• ??
• ????
• ????
• ????,??
• ??????????

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????? Our Roles

• 1.?? - ????,????
• 2.???? - ????,????
• 3.?????? - ??,??,??
• 4.?? - ??,??

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??

• ????????????????
• ??????? A??? ????
• ????,????????????
• ???
• ????????,?????????
• ???????

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?????

• ????
• ??? 012-7084001
• ??? 012-7083898