南洋商报 日期 : 14/4/2009
赵毓庭 : 尽力助居民道路短期内修补
马华市议员赵毓庭表示,有关甘文丁22巷居民的投诉,他将尽快处理.“有关下段的道路破烂及沟渠崩陷将会在近期内修补,有关居民的投诉,作为马华的议员必定会做好.”他今日获得当地居民投诉,便与多名马华领袖巡视有关地区过后向传媒这么说.他说,上个月接获当地居民投诉二盏路灯,水沟阻塞已完成,上段路目前已开始动工,相信在三天之内完成.“马华议员言行一致,关注人民的投诉,而且着重执行解决居民的投诉,全面监督居民的基本实施是否获得改善.
Tuesday, April 14, 2009
Monday, April 6, 2009
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关丹免费手机维修课程-15幸运儿抽签中选…
中国报-(6.4.2009)
关丹免费手机维修课程-15幸运儿抽签中选…
(关丹5日讯) 青体部关丹分局首次创办全免费 “手机维修课程” 申请者反应热烈,仅15男女以抽签方式脱颖而出,中选为首届学员.自从青体部关丹分局于3月18日公布首次创办全免费 “手机维修课程” 招生,来自彭亨县逾70份申请表纷至泉来.其中40人为华裔青年,20余位巫裔,印裔3人.惟此课程只招收15位学员,年龄介于18至40岁的有兴趣者,当局唯有采取抽签方式录取幸运学员,选出年龄介于18至28岁的8位巫裔,7位华裔学员.
为期一个月
马青关丹区团团长赵毓庭市议员指出,明如开始为期一个月的课程,因为没有学历的限制,非常适合从事手机业及对此行业有兴趣的华青参与.
他是在为该局首次创办全免费 “手机维修课程”主持推介礼后,如是指出.
随行出席者包括青体局关丹县官员赛弗拉,课程承办单位负责人拉欣米,马青关丹区团组织秘书萧志伟,先锋队队长卢意宝及队员胡伟成等.也是马青总团中小型企业发展局主任的赵氏也说,学员在取得结业证书后,一旦向政府申创援助金,可获优先处理.
此外,课程承办当位负责人拉欣米透露,该课程包括原理教学和实践培训,让学员更加理解所学知识,同时也附送1套基本维修手机工具给学员.
机会难得 (卢保乐,21岁:手机业)- 本身是从事手机业,但是却不会修理手机,所以,从友人得知青体局举办此课程后,赶快报名,希望多了这门知识和手艺,对事业会有很大的帮助.它是项全免费课程,严限人数,机会非常难得,尤其是友人曾在首都报读类似课程,学费可是一万余令吉,是笔宠大的负担.
有助创业 (陈建男,22岁:手机业)- 母亲看到报章后,替我报名,我事后才得知此事,但能够中选,感到很开心,毕竟母亲的用心没有白费. 这也是一个自我升值的好机会,学成后,对未来创业之途也有很大的帮助.
家人支持 (梁淑怡,21岁:网上销售者)- 没想到我会是唯一被录取的华裔女学员,和另一名巫裔女学员成了班上两朵花. 我一直对手机特别感兴趣,以前只能从杂志上粗略了解手机,如今终于有机会深入了解,研究它了,当初接到录取的通知时,感到非常高兴. 报读此课程非不便宜,所以希望能在此次的全免费课程中,学到更多知识和技术,家人也非常支持我来学习.
关丹免费手机维修课程-15幸运儿抽签中选…
(关丹5日讯) 青体部关丹分局首次创办全免费 “手机维修课程” 申请者反应热烈,仅15男女以抽签方式脱颖而出,中选为首届学员.自从青体部关丹分局于3月18日公布首次创办全免费 “手机维修课程” 招生,来自彭亨县逾70份申请表纷至泉来.其中40人为华裔青年,20余位巫裔,印裔3人.惟此课程只招收15位学员,年龄介于18至40岁的有兴趣者,当局唯有采取抽签方式录取幸运学员,选出年龄介于18至28岁的8位巫裔,7位华裔学员.
为期一个月
马青关丹区团团长赵毓庭市议员指出,明如开始为期一个月的课程,因为没有学历的限制,非常适合从事手机业及对此行业有兴趣的华青参与.
他是在为该局首次创办全免费 “手机维修课程”主持推介礼后,如是指出.
随行出席者包括青体局关丹县官员赛弗拉,课程承办单位负责人拉欣米,马青关丹区团组织秘书萧志伟,先锋队队长卢意宝及队员胡伟成等.也是马青总团中小型企业发展局主任的赵氏也说,学员在取得结业证书后,一旦向政府申创援助金,可获优先处理.
此外,课程承办当位负责人拉欣米透露,该课程包括原理教学和实践培训,让学员更加理解所学知识,同时也附送1套基本维修手机工具给学员.
机会难得 (卢保乐,21岁:手机业)- 本身是从事手机业,但是却不会修理手机,所以,从友人得知青体局举办此课程后,赶快报名,希望多了这门知识和手艺,对事业会有很大的帮助.它是项全免费课程,严限人数,机会非常难得,尤其是友人曾在首都报读类似课程,学费可是一万余令吉,是笔宠大的负担.
有助创业 (陈建男,22岁:手机业)- 母亲看到报章后,替我报名,我事后才得知此事,但能够中选,感到很开心,毕竟母亲的用心没有白费. 这也是一个自我升值的好机会,学成后,对未来创业之途也有很大的帮助.
家人支持 (梁淑怡,21岁:网上销售者)- 没想到我会是唯一被录取的华裔女学员,和另一名巫裔女学员成了班上两朵花. 我一直对手机特别感兴趣,以前只能从杂志上粗略了解手机,如今终于有机会深入了解,研究它了,当初接到录取的通知时,感到非常高兴. 报读此课程非不便宜,所以希望能在此次的全免费课程中,学到更多知识和技术,家人也非常支持我来学习.
针对YB 傅芝雅在4月2日(中国报) 所发表的文告
针对YB 傅芝雅在4月2日(中国报) 所发表的文告, 福利局拒接受反对党助人一事,马青关丹区团团长,赵毓庭的看法如下:
傅芝雅不应该针对 PROJEK CARI 或寻找计划来攻击马华关丹区会主席拿督郑联科和福利局,身为一个国会议员只是没有依据程序提呈申请表格,就要求福利局批准是个非常不负责任的做法.福利局官员莫哈末哈米查已经很清楚的在3月30日的报章上发表福利局的立场而被政治化,这对福利局是很不公平的指责.
身为国会议员的傅芝雅应该是寻找办法解决问题而不是寻找藉口为自己的办事不力辩护. 我想问一下身为人民代议士的傅芝雅到底用了多少时间来服务关丹的人民 ? 我只看到国会议员的特别助理一路见报,到底人民是选傅芝雅这位国会议员,还是她的特别助理 ?这种取巧的方式来蒙骗关丹的选民是非常可悲的.
马青关丹区团团长,
(赵毓庭)
Tuesday, March 24, 2009
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.
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.
Monday, March 23, 2009
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)
“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。
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