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CEO FORUM VIII DECEMBER 5 – 7 THIMPHU, KINGDOM OF BHUTAN

CEO FORUM VIII DECEMBER 5 – 7 THIMPHU, KINGDOM OF BHUTAN. 1. MICROFINANCING IN THE DEVELOPMENT OF ENTREPRENEURS. INTRODUCING TEKUN NASIONAL MALAYSIA. A MICROFINANCE INSTITUTION IN MALAYSIA. MFIs IN MALAYSIA. BSN & 9 FIs. Agro Bank. BANKS. Bank Rakyat. MFI. TEKUN Nasional.

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CEO FORUM VIII DECEMBER 5 – 7 THIMPHU, KINGDOM OF BHUTAN

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  1. CEO FORUM VIII DECEMBER 5 – 7 THIMPHU, KINGDOM OF BHUTAN 1

  2. MICROFINANCING IN THE DEVELOPMENT OF ENTREPRENEURS

  3. INTRODUCING TEKUN NASIONAL MALAYSIA A MICROFINANCE INSTITUTION IN MALAYSIA

  4. MFIs IN MALAYSIA BSN & 9 FIs Agro Bank BANKS Bank Rakyat MFI TEKUN Nasional MARA GOVERNMENT AGENCY/INSTITUTION AIM

  5. TEKUN NASIONAL • TEKUN Nasional is Company Limited by Guarantee registered in 1998 • TEKUN is under the supervision of the Ministry of Agriculture & Agro-Based Industry (MOA)

  6. GOVERNMENT OF MALAYSIA NEW ECONOMIC POLICY To Generate Income, Creating Wealth & Enhancing Standard of Living.

  7. Objectives of TEKUN NASIONAL To provide start-up fund and additional capital for small business/ entrepreneurs in the form of microcredit

  8. VISION TEKUN Nasional as a strategic and ideal entrepreneur development institution MISSION To provide Micro Financing And Entrepreneurship Development Support Services

  9. TEKUN NASIONAL • Roles • Entrepreneurship Information • Business Opportunities • Financing Facilities • Advisory Services • Business Support • Entrepreneurs Networking

  10. PERFORMANCE FROM 1998 – 31 OCT. 2011 LOAN AMOUNT RM 1.85 billion (USD529.1 million) NUMBER OF LOANS 245,933 NUMBER OF BORROWERS 196,053

  11. SOURCE OF FUND Total Fund Received From The Government In The Form of Loan : 1999 – 2011 RM 1.3 Billion Total Loan Disbursement RM 1.85 billion

  12. FINANCING OFFERED

  13. ELIGIBILITY • Bumiputera (indigenous) • Aged 18 to 65 years old • Have viable business or business plan • Posses valid business license/permit • Specific place to run the business • Directly involved in the business • Existing business loan not exceeding RM 50,000 (USD14,286) * We do pre sanction visit

  14. SAVINGS • Compulsory savings imposed on borrowers ; • The amount of savings is 5% of the loan amount per year (loan tenure) • The savings amount is included in the weekly/monthly repayment; • Withdrawal of savings is only allowed when the loan is fully settled.

  15. GUIDANCE AND ADVISORY • Experienced staff/officer to provide guidance and advice to borrowers ; • Monitor the development of the business ; • To find new market for the products • Business skills through training • Advise on business improvement.

  16. BASIC ENTREPRENEURSHIP COURSE

  17. BUSINESS OPPORTUNITIES • TEKUN provides business opportunities to new entrepreneurs via Smart Partnership programme between ‘anchor company’ and TEKUN Nasional • Business activities such as contract farming, retail, beauty saloon, frozen food etc.

  18. TEKUN ENTREPRENEURS COMMUNITY • As a platform for entrepreneurs to know each other and develop networking • To market their products • To find suppliers

  19. BUSINESS CENTRES • To provide information on : • : business opportunities • : roles of other agencies • Entrepreneurs discussion / meeting point • 8 BCs have been in operation • 4 BCs to be operational soon • Located in major towns

  20. BUSINESS CENTRES

  21. ENTREPRENEUR DEVELOPMENT PROGRAMS • Business Opportunities Programs • ( Mentor Mentee Program ) • Graduate Entrepreneurs Development • Women Entrepreneurs Development ( Home Based Program ) • Income Enhancement Program

  22. TEKUN NASIONAL • Entrepreneur Development Programs • Entrepreneurs Development for Ex- Prisoners & Drug Addict • Entrepreneurs Development for Poverty Eradication • Entrepreneurs Development for Indian Youth ( SPUMI )

  23. HOME BASED PROGRAMS

  24. GROUP FINANCING

  25. POVERTY ERADICATION PROGRAM

  26. POVERTY ERADICATION PROGRAM

  27. SPECIAL PROGRAMME SECOND CHANCE PROGRAMME PRISON / DRUGS AGENCY SPECIAL GROUP REQUIRED TO ATTEND COMPULSORY COURSE CONDUCTED BY TEKUN MAKSIMUM RM5,000 TO POOR AND HARDCORE POOR MALACCA GOVERNMENT POVERTY FINANCING SCHEME

  28. KEDAI TEKUN ( RETAIL SHOP ) • Opportunities for entrepreneurs to display and sell their products • Financing offered to operators

  29. TEKUN Nasional’s Roles In Supporting SMEs Financing 29

  30. ENTREPRENEURSHIP DEVELOPMENT Groom Big Exit Policy TEKUN’s Entrepreneurs being successful in their businesses ( with good business and payment track record) and need to expand may gain access/recommended to Financial Institutions supporting/financing SMEs thus continuing to provide facilities (with larger loan size) and will no more be classified as microcredit. ( Institutions involved :- MARA, SME Bank, Bank Pembangunan, PNS, AGRO Bank, etc) GRADUATION 30

  31. SUCCESS STORY Noridah Hitam Retail and tailor 1st Loan : RM5,000.00 2nd Loan : RM15,000.00 Sales Before : RM9,000.00 / month After : RM15,000.00 / month

  32. SUCCESS STORY Hamidah Mohd. Amin COSMETICS & BEAUTY CENTRE 1st Loan : RM5,000.00 2nd Loan : RM21,000.00 Sales Before : RM 70,000.00 / month After : RM120,000.00 / month

  33. SUCCESS STORY Rosli bin Ahmad chillies 1st Loan : RM50,000.00 Sales Before : RM800.00 / month After : RM3,500 / month

  34. SUCCESS STORY Johan bin Kosnin Kulai, Johor 1st Loan : RM 10,000.00 Sales : RM70,000.00 / month

  35. SUCCESS STORY Md Amil bin Hassan Simpang Renggam, Johor 1st Loan : RM20,000.00 Sales Before : RM20,000.00 / month After : RM50,000.00 / month

  36. THANK YOU

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