Questions and Answers on Pembiayaan Mikro and Micro Enterprise Fund

PEMBIAYAAN MIKRO AND MICRO ENTERPRISE FUND

1. What is micro financing (Pembiayaan Mikro)?
• Micro financing are small business loans ranging from RM500 to RM50,000 for micro enterprises. Micro financing is meant for business financing only, such as for working capital and for capital expenditure. It is not a personal loan.

2. What are micro enterprises?
The National SME Development Council defines micro enterprises as follows:
Manufacturing and Manufacturing Related Services sectors Businesses with less than:
• RM250,000 annual sales turnover; or
• Five full-time employees.
Primary Agriculture and Services sectors Businesses with less than:
• RM200,000 annual sales turnover; or
• Five full-time employees.

3. Who is eligible for micro financing?
• All micro enterprises with viable businesses.
• Micro financing is available to businesses in all economic sectors. Certain participating financial institutions may provide micro financing facilities to borrowers in specific sectors only.

4. Who are the participating financial institutions that offer micro financing?
• There are 3 development financial institutions i.e. Agrobank, Bank Rakyat, Bank Simpanan Nasional.
• A total of 6 commercial banks i.e. Alliance Bank, AmBank CIMB Bank, EONCAP Islamic Public Bank, United Overseas Bank.

5. Where can I apply for micro financing?
• At branches and affiliates/agents of participating financial institutions that display the National Microfinance Logo. Loan applications will be assessed and processed by the respective participating financial institutions.
• To obtain further information on where to apply for micro financing, customers are advised to contact the relevant participating financial institutions that provide micro financing. Please refer to the Comparative Table on Microfinance Product Features for Hotline numbers of each participating financial institution

6. What does the National Microfinance Logo look like?

7. What are the key features of micro financing?
• Loan Size
• Purpose of Financing
• Loan Tenure
: Ranges from RM 500 to RM 50,000
: Business purposes i.e. for working capital or capital expenditure.
: Varies from 1 month to 10 years
• Collateral Requirement : No collateral requirement
• Loan Application
• Loan Documentation
: Simple application form (as simple as 2 pages)
: Minimal documents, such as Identity Card, proof of business (i.e. business registration/ license/permit), proof of income (i.e. bank statement), utility bills (i.e. electricity, water, phone bills) Please refer to the Comparative Table on Microfinance Product Features for more details on eligibility criteria for each participating financial institution.

8. Do I need to have a guarantor?
• Most participating financial institutions do not require any guarantors.
• Some financial institutions will require guarantors when the loan applied for is above a certain amount. Please refer to the Comparative Table on Microfinance Product Features for more details on this.

9. What is the interest rate charged on micro financing loans?
• Commercial interest rates are set by the respective participating financial institutions based on assessment of the borrower's risk profile.
• The participating financial institutions will be able to provide more detailed information on the interest rates and product features of their micro financing products.

10.How fast will my loan application take to be processed?
• The committed duration to approve a loan is 1 to 10 working days, upon obtaining complete information/ documents from the applicant.
• Upon approval of the loan, committed duration taken to disburse a loan is 1 - 7 working days.
• Please refer to the Comparative Table on Microfinance Product Features for committed loan processing times at each participating financial institution.

11.Is there a lending quota for micro financing that needs to be achieved?
• No. All viable micro businesses are eligible for micro financing, and approval of loan applications will rely solely on creditworthiness of borrowers.

12.Should I encounter difficulties in applying for micro financing and have
related issues, who should I contact?
• If you have any difficulties applying for micro financing at any of the branches or affiliates/agents of the participating financial institutions offering micro financing, please contact their micro financing Hot line to seek assistance.
• Please refer to the Comparative Table on Microfinance Product Features for Hot linenumbers of each participating financial institution.

13.What is the purpose of the Micro Enterprise Fund (MEF)?
• To increase access to micro financing for micro enterprises with viable businesses, in the current more challenging business environment.
• The fund is administered by Bank Negara Malaysia and is available from 5 November 2008 to 31 December 2009. A total of RM200 million has been allocated by Bank Negara Malaysia for this purpose.

14.Who is eligible to apply for MEF?
• Any micro enterprise that is eligible to apply under Pembiayaan Mikro is eligible to apply for MEF. Please refer to the response to Question 3 above.

15.Where can micro enterprises apply for the MEF?
• Micro enterprises can apply for MEF at any of the participating financial institutions of Pembiayaan Mikro. Please refer to the list of participating financial institutions provided under Question 4 above.

16.Who will be able to get financing from MEF?
• Any micro enterprise that is deemed to be a viable business by a participating financial institution will be able to obtain financing.

17.How do I obtain more information on the micro financing product features offered by each participating financial institution?
• The micro financing product features of each participating financial institution is published in the Comparative Table on Microfinance Product Features. This Comparative table can be obtained from the BNM Website (www.bnm.com.my), BankingInfo Website (www.bankinginfo.com.my) and the SMEinfo Portal Website (www.smeinfo.com.my). This table is updated as and when there are changes to the product features by any participating financial institution.

18.What do I do if my loan application is rejected?
• You can try to apply at another participating financial institution. Different participating financial institutions have different eligibility criteria.

19.What do I do if the bank rejects me without a proper reason?
• All banks are required by Bank Negara Malaysia to provide you with a reason for being rejected. If you are rejected without a reason, you can contact the following at Bank Negara Malaysia to submit your complaint:
BNMLINK (Customer Service Walk-In Centre)
Ground Floor, Block D, Bank Negara Malaysia
Jalan Dato' Onn, 50480 Kuala Lumpur
(Operating Hours: Monday to Friday, 9.00 a.m. - 5.00 p.m.)
BNMTELELINK (Customer Service Call-In Centre)
Tel: 1-300-88-5465 or 1-300-88-LINK
Fax: 03-2174 1515
Email: bnmtelelink@bnm.gov.my

20.Is refinancing allowed under the MEF?
• No, the fund is not meant for refinancing of existing loans.

21.Can I get financing from different banks to a total of amount of more than
RM 50,000?
• Yes. Even if you have an outstanding micro financing loan of RM50,000, you can approach another participating financial institution to submit a new micro financing loan application. However, your credit evaluation will be based your repayment capacity and your total outstanding loan amount with all financial institutions.

赵毓庭部落格提供贷款详情

赵毓庭呼吁任何经济困忧者，欢迎浏览其部落格，以获得更多关政府经济拨款计划。
“我将通过此部落格，上载更多有关贷款或政府拨款详情，如最新的迷你预算案拨款计划，让经济困忧者，从中得到资 讯，进而解决问”。
他补充，欢迎各造与他连系，并在该处留言，网址：www.andychiew.blogspot.com

中国报 (23.03.2009)

关丹马青办互联网课程

鼓励善用网络学习

（关丹22日讯） 马青关丹区团今日首次举办“如何善用互联网络”课程，吸引30名马青新成员参与，通过网络学习自我提升。马青关丹区团团长赵毓庭今日在推介理上指出，这项活动的举办，是希望能协助马青关丹区团推行电子化，让成员都能善用网络进行终生学习自我提升。

掌握基础运用知识

他表示，这也是马青关丹区团首次举办有关互联网络知识的课程，学习项目包括让学员掌握互联网基础运用知识，如何通过网络搜索引挚如“谷歌”或“雅虎”搜索资讯，用MSN交谈及电邮传达重要资讯。同时，马华资讯工艺中心日前也YourPartTime.com 和xTrain合伙，推出“振兴计划”为求职者和雇主提供网上兼职及就业配对和培训机会，有兴趣者可上网 (www.YourPartTime.com)登记，服务免费。另一方面，赵毓庭表示，他和马华关丹区会主席拿督郑联科已拥有本身的部落格，以向党员传达各种马华党内资讯及分享个人政治观点。他指出，其个人部落格为(www.andychiew.blogspot.com)，他将在其部落格内提供各种资讯，包括马青活动，青体部所提供各种创业贷款等，欢迎党员浏览。另一方面，马华关丹区会主席拿督郑联科致词表示，希望马华党积极参与学习互联网络知识，与时并进，并提高马华组织的素质。

3學校：每人70令吉‧食物處理課程收費不減

2009-02-26 10:12

趙毓庭：50令吉收費比較合理。（圖：星洲日報）

湯邦任：繼續爭取50令吉收費。（圖：星洲日報）

黃世榮：有會員建議轉向公正黨求助。（圖：星洲日報）

（彭亨‧關丹）儘管衛生部長及關丹市議會之前答應關丹飲食業者，食物處理課程的收費從原有的每人70令吉減低至50令吉，不過這項決定卻遭到3家負責提供關丹食物處理課程學校的拒絕，課程收費保持每人70令吉！
關丹市議會月常會議週三（2月25日）披露，經過關丹市議會與有關學校的商討後，負責提供食物處理課程的3家學校，都拒絕接受徵收每人50令吉的食物處理學費。
換句話說，食物處理課程的收費維持在早前所訂下的每人70令吉，而非50令吉。

學校理由：收費劃一

有關學校給予的理由是，70令吉收費是全國劃一收費，同時，有關學校必須負責其他行政管理費用，因此，不同意調低收費。

趙毓庭：50令吉收費比較合理

馬華關丹市議員趙毓庭在會上反對收費維持在70令吉，他說，對小商販而言，50令吉收費比較合理。他同時建議改由關丹市議會舉辦有關課程，以便能夠向小商販收取更低廉的學費。
不過，關丹市議會主席拿督阿茲占表示，地方政府或中央政府無權規定食物處理課程的收費率。
“市議會曾獻議提供場地給有關學校，但是，他們還是堅持收70令吉。”
他說，關丹市議會將會繼續努力，向有關學校要求降低食物處理學費。

湯邦任：繼爭取“減價”

關丹咖啡旅餐公會主席及署理主席異口同聲，強烈反對食物處理課程學費70令吉的決定。
主席湯邦任表示，在目前經濟不景的情況下，公會將會繼續爭取50令吉的收費。
“我們會跟其他兩個受影響的公會，即是小販公會及廚業公會商談，以解決問題。”

黃世榮：市會衛長出爾反爾

署理主席黃世榮接受詢問時強烈反對食物處理課程收費70令吉，他非常不滿地指責關丹市議會出爾反爾，衛生部長則言而無信，並恫言轉向在野黨投訴及求助！
他說，在這起事件上，堂堂衛生部長在去年曾與公會對話時，當場答應會馬上處理有關問題。
“他是衛生部長，說的話代表中央政府，難到連一件小小的事件都處理不好嗎？我對他感到萬分不滿及失望！”
他也說，由於雪隆地區的食物處理課程收費50令吉，讓本地的小販及會員非常不滿。

或向反對黨求助

他同時呼吁德倫敦區州議員陳漢祥，能夠真正地為小販們做一點事情，協助小販們解決問題。
“我的一些會員，在忍無可忍的情況下，已經開口要求，轉向公正黨投訴！”
他補充，收費每人增加20令吉，對咖啡店或熟食小販們而言，是項非常沉重的負擔。
“尤其是在目前的經濟情況，這項決定對我們而言，是百上加斤。”

趙毓庭將在常月會議中提出‧檢討市議會巡邏機制

(彭亨‧關丹）關丹市議員趙毓庭表示，他將在週三（2月25日）的市議會常月會議中，提出檢討現有的市議會巡邏工作機制，以改善或擬定一套更積極的巡邏時間表。他對《東海岸》表示，這個月以來所處理的民生已超過30宗。隨著民生投訴日益增加，其中原因除了市民懂得利用本身作為國民的權益之外，也同樣反映著市議會在處理民生問題，以及巡邏工作方面是否足夠積極。“我們應先從問題的源頭著手，比不斷處理民生問題更重要，因此，我認為有必要檢討市議會的工作機制是否完善。”

處理兩宗民生投訴

他是於週二在處理兩宗民生投訴之後，向記者發表談話。
首宗投訴是位於監獄路新福興茶餐室旁，一段被壓壞的小馬路及阻塞的溝渠急需市議會的處理。
在此處茶室營業達20年的陳可漢投訴說，這段馬路是被巨型貨車經常性進出而遭壓壞，店後方的小巷也同樣破爛不堪，引致老鼠在瀝青下的空洞筑窩。“這條路太久沒鋪過了，目前唯有鋪些石頭，同時也禁止車輛在這裡停放，以免馬路繼續塌陷。”

店鋪前溝渠洋灰斷裂

另一宗投訴案位於拿督黃亞養路，特優貿易店鋪前面的溝渠洋灰斷裂，曾讓好幾名路人不慎跌落溝渠。投訴者楊政隆表示，斷裂的溝渠蓋讓置放在洋灰中的鐵枝露出，暗藏危機，他及伙計曾因搬運貨物時不小心跌落溝渠，幸好未被鐵枝插傷。“我曾向市議會作出投訴，但他們只來清理溝渠垃圾，並未處理這個問題。”趙毓庭表示，他將積極處理上述兩宗投訴案件，並儘快解決有關問題。與此同時，他呼吁市民針對民生問題，直接向市議會作出投訴，電話號碼09-5121555，若市議會在處理問題時表現怠慢，市民可向馬華關丹投訴，他們將會協助處理這類問題。

趙毓庭：關丹市會沒清理垃圾‧“公正黨撈到政治資本”

趙毓庭：關丹市會沒清理垃圾‧“公正黨撈到政治資本”

2009-01-01 12:13


關丹市議會沒有為人民提供有水準的清理垃圾服務，引起馬華市議員趙毓庭微言。（圖：星洲日報）

（彭亨‧關丹）關丹市議會沒清理垃圾，讓公正黨撈到政治資本？
馬華市議員趙毓庭週三（12月31日）表示，由於關丹市議會沒有為民提供良好的清理垃圾服務，導致公正黨自行聘請羅里及工人，清理垃圾。“我希望關丹市議會做工，不然的話，它會變成公正黨的政治資本！”他是於週三出席關丹市議會月常會議上，在會上如是表示。
在12月20日，人民公正黨關丹國會議員特別助理沈春祥自掏腰包800令吉，請人清理阿亦布爹32巷的垃圾。有關的垃圾堆積了3個月，引起居住在附近約50名居民不滿。

阿茲詹不滿阿南弗拉

另一方面，對於阿南弗拉的清理垃圾服務，也引起關丹市議會主席拿督阿茲詹不滿。
他在會上甚至一度衝口而出提問，關丹市議會能否研究把阿南弗拉帶上法庭。
由於阿南弗拉與州政府簽了合約，因此，關丹市議會只能在阿南弗拉服務沒有達到要求時，扣減付予後者的收費。

星洲日报 日期 ： 18-3-2009

关丹青年体育部

手机维修课程招生

（关丹18日讯） 关丹青年体育部举办 “手机维修课程”，让青年免费参加之余，还可获得300令吉津贴。马青关丹区团团长赵毓庭召开记者会，呼吁华裔青年积极报名参加该课程，学成之后对将来创业非常有帮助。刚毕业而且有意在手机行发展的华青，在面对目前经济低迷现象之际，更应争取机会申请报读课程，完成课程的学员可获得由青体部认证的文凭一张。

免学费有津贴

这项由关丹青体部所办的维修手机课程除了免费让学员考取文凭之外，也让该些没有使用主办单位准备的设备，包括膳食及住宿者获得300令吉津贴。“参加这类课程一般学费要3千令吉，我希望华青尽量利用政俯资源，不要错失学会一技防身的机会”。“手机维修课程”上课日期将从4月5日起至30日，为期一个月。课程的对象为年龄介于18至40岁的青年，学历不枸。有意报读者可从即日起至25日 （星期三）报名截止之前，向关丹青年体育部，电话号码 513 1969 或马华关丹区会 517 1525 索取表格，共有15个学额待申请。另外，赵毓庭也欢迎市民上他的部落格：andychiew. blogspot.com 查阅课程的相关资料。