BANK BUSINESS LOAN , CREDIT GUARANTEE CORPORATION (CGC) , SME , SMI LOAN . APPLICATION ONE STOP FINANCIAL AND BUSINESS SOLUTIONS CENTRE

Skim Mikro Kredit tawar pinjaman serendah RM500

10 September 2007– Bagi mereka yang berminat memulakan perniagaan tetapi ketiadaan modal, kini tidak perlu bimbang kerana Bank Negara Malaysia (BNM) bakal memperkenalkan pembiayaan kewangan mikro kredit, bagi merealisasikan hasrat tersebut.

Gabenor Bank Negara Malaysia, Tan Sri Dr. Zeti Akhtar Aziz berkata, skim mikro kredit itu menawarkan pinjaman antara RM500 hingga RM50,000 khusus untuk usahawan perusahaan kecil dan sederhana (PKS).

Menurutnya, Perdana Menteri, Datuk Seri Abdullah Ahmad Badawi yang juga Menteri Kewangan akan mengumumkan institusi kewangan yang dilantik BNM dalam menyediakan pembiayaan pinjaman mikro kredit itu.

‘‘Di bawah skim ini, mana-mana PKS yang sebelum ini tidak mendapat pinjaman kewangan akan dibantu dan diberi pinjaman menerusi bank-bank yang dilantik oleh BNM,” katanya kepada pemberita selepas majlis dialog antara BNM dengan pelbagai agensi kerajaan dan individu di Pusat Dagangan Antarabangsa Melaka (MITC), di sini hari ini.

Pada Mac 2003, kerajaan menubuhkan dana sebanyak RM1 bilion di bawah skim mikro kredit khusus untuk membantu golongan usahawan kecil menjalankan perniagaan mereka, selain menangani kegiatan ceti haram yang menjadikan peniaga kecil sebagai mangsa.

BNM Establishes Special Relief Guarantee Facility for Businesses Affected by the Recent Floods

Bank Negara Malaysia has established a Special Relief Guarantee Facility of RM500 million to alleviate the problems faced by businesses that have been affected by the floods. Under this Facility, the affected businesses could obtain financing at a concessionary rate from any commercial banks, Islamic banks, Bank Perusahaan Kecil & Sederhana Berhad, Bank Kerjasama Rakyat Malaysia Berhad and Bank Pertanian Malaysia.

The Credit Guarantee Corporation will provide 80% guarantee to the financing obtained (including principal and interest).

The salient features of the Facility are :

It is available to the businesses affected in the districts defined by Bahagian Keselamatan Negara, Jabatan Perdana Menteri as flood disaster areas;

The maximum amount of financing is RM500,000 per group of companies;

Financing rate chargeable is 2.5% per annum. For Islamic financing, the mark-up price under the Murabahah or Bai' Bithaman Ajil contract is also fixed at 2.5% per annum; and

The tenure of the financing is up to three years, with a grace period of six months.

Businesses which need assistance are, therefore, advised to approach the implementing financial institutions. The Facility is available from today until 30 April 2007.

Banking institutions and insurers have also been encouraged to take proactive measures on their own accord in implementing assistance programmes to relieve the financial burden of their affected customers. This may include the temporary deferment of loan repayments, restructuring or rescheduling of loans, waivers of transaction fees and/or finance programmes, faster insurance claims payment, and extension of business hours in affected areas. Regulatory flexibility, where relevant, has been provided by Bank Negara Malaysia to the institutions concerned.

Members of the public are advised to contact the customer service centres of their financial institutions directly for enquiries or assistance needed. The public may also contact Bank Negara Malaysia's LINK at the direct line 03-2692 0091 or 03-2698 8044 Ext. 8949 & 8970 for additional information or assistance.

SME business facility solutions
MALAYSIA
8 January 2007


Skim Kemudahan Jaminan Bantuan Istimewa - KJBI
(Special Relief Guarantee Facility-SRGF)

	Total Fund	:	RM500M

	Disbursement	:	2 Weeks

	Security	:	No collateral

	Maximum financing limit	:	RM500,000-00

	Financing rate	:	2.5% Yearly Interest

	Maximum tenure	:	3 Years plus grace period of 6 months

	Type of Documents	:	As normal requirement

	Guarantee Fee	:	No Guarantee Free
	(Under Credit Guarantee Scheme)

	Type of Facility	:	Term loan, Overdraft, Trade facility

	Participating financial institution	:	All Commercial Banks
			SME Bank Bhd
			Bank Rakyat
			Bank Pertanian Malaysia

	Eligible sectors	:	All sectors