I’ve attented a course months back organized by INSKEN (Institut Keusahawanan Negara) under the Skim Usahawan Siswazah to be eligible to ask for loan under tabung usahawan siswazah or called graduate entrepreneurs scheme.
So what is Tabung Usahawan Siswazah?
It’s a loan for graduates venturing into entrepreneurship be it startups or company expansion.
Who administer the fund?
It’s being administered by SME Bank. If you would like to know more about this fund, call them up at 1-300-88-3131 or visit their website: SME Bank.
What is the eligibility of applying for Tabung Usahawan Siswazah?
- Have finished the Skim Usahawan Siswazah seminar or Kursus Asas Keusahawanan Siswa or other approved seminars equivalent.
How do I apply for the seminar to be eligible for TUS?
- Previously I just applied online under the Ministry’s website. But since the ministry is disbanded, try and keep yourself updated through INSKEN website at : http://www.insken.gov.my or call them at : +603-8880 5711
What is the loan amount and interest rate?
The loan amount is from RM20,000 to RM250,000 and the interest rate of 4% (without BLR ok!)
Do I need a collateral or guarantor?
For below RM50,000 it works like micro loan where you need a guarantor with a specified income while for RM50,001 above, you need to have at a percentage of collateral and guarantor.
What are the allowable expenses for the fund?
- Fixed assets and working capital
- Maximum payback period of up to 10 years with grace period of 2 years (grace period depends upon their discretion)
What are the indsutry allowed for the funds?
All industries as long as it’s profitable and approved by the panel during your business presentation.
What is the application process? (based on my experience with my friend)
- Send your business plan for review to INSKEN
- INSKEN submit your plan to SME Bank
- SME Bank call you up for an interview
- Results would be notified after interview
Note: During the seminar I was notified that application process is around 2 months. They have a tight ISO therefore they should complete your application on time.
Please take note that I was notified by SME Bank that all applications for the fund is on hold but the funds are there for us, graduates. It’s being put on hold because the Ministry of Entrepreneur and Co-operative Development is no more and they are now under the directions of MITI (Ministry of International Trade and Industry). I hope Tok Pa and Dato’ Mukhriz speed up the process as lots of us graduates are anxious to apply for the fund:)
Tips: My friend is a wedding planner (sole proprietorship) and she applied for the fund. Given her experience in doing business and a good business plan, she managed to secure the funds and had a good interview. T0 increase your odds of getting the fund:
- Start your business in micro terms: kecil-kecilan. Ask for micro loan 1st to get experience on your business first.
- Gain working experience in the industry. Say you wanna open up an IT business, work with a company which is similar to your business idea and apply from there.
- Get a strong and experienced management team. Recruit experienced people into your team to do the business. This would lower the risk of the bank and hence easier for you to secure funding.
- Do your homework. Don’t ask silly questions, always research throughly about the fund before applying.
Hi,
Actually I berminat untuk menjadi usahawan. Saya ada beberapa idea tentang produk untuk di pasarkan. Tetapi saya belum mempunyai produk, yang ada hanyalah “idea”. Jadi saya ingin minta pendapat apa yang perlu saya buat ? Ke mana harus saya rujuk?? Program yang boleh saya sertai??
Terima Kasih.
Hi Maz,
Biasenye ade beberape peringkat sebelum boleh dikatakan “produk dipasarkan”.
Idea -> Prototype (Sampel Produk) -> Pengeluaran -> Pemasaran.
Selalunye bergantung kepada industri, cube untuk tukar idea yang ade kepada prototype. Bile dah ade prototype, cuba dapatkan dana kewangan (pelabur, pinjaman bank, etc) untuk buat pengeluaran.
Selepas produk dah ade, pasarkan. Tapi pastikan pelan pemasaran dibuat di peringkat prototype.
Nak dapatkan dana (pelaburan, pinjaman bank), perlukan “Rancangan Perniagaan” @ Business Plan. Dalam tu ade semua maklumat berkenaan dengan pemasaran, etc.
Cube baca post saya yang lain tentang “importance of business plan” dan “stages of company growth”.
Kalo ade idea dalam bidang IT, cube “cradle investment programme” atau “msc pre seed funding”. Sebab funding ni grant, jadi xpayah nak bayar balik tapi kene pastikan prototype siap mengikut perjanjian.
Ade banyak latihan. Hmm.. ade kawan saya dari YEM ade banyak events. Mungkin saya post next time tentang event yang boleh tolong u dapatkan asssistance.
Kalo nak rujukan, boleh cuba Institut Keusahawanan negara, ade banyak training. http://www.insken.gov.my
gd luck
Hi There,
I’m tent to apply for kursus asas keusahawanan siswazah, but how am i going to check their schedule? Or is there any contact that I can try to call?
Awaiting your reply.
Thanks.
Regards.
Hi There,
Is me again.
i want to ask you about the Kursus that you had attend.
Is that true the kursus held for whole day from 8.30am till 10.30pm?
Awaiting your reply.
Thanks & regards.
Hi Ms Summer Tan,
Previously schedule was available and you could apply online through MECD portal. However the ministry had been disbanded and currently it is under MITI. You can try and call Insken. I believe they do still organize the programme with SME bank.
Try and check the number at http://www.insken.gov.my
Thanks and good luck.
Dear Ms Summer Tan..
Jadual Program Skim Usahawan Siswazah siri ke 2 dah keluar.. 18-22 April 2010..U can apply online.
Assalamualaikum…
saya seorang siswa d uitm shah alam. masih lagi belajar. tp saya berminat untutk mmbuka tempat futsal d area negeri saya iaitu kedah. pasaran d sana ckup brangsangkan kerana kurangnya kemudahan court futsal. boleh saya tanya samada saya layak ntuk memohon bantuan kerana saya masih lagi belajar. dan kalau layak bagaimana prosedur ntuk memohon.
sekian, terima kasih.
Hi there,
I having an idea to starting a business with my friends but the main trouble is the capital to invest. May i ask is it possible for chinese to get the loan? And what means the macro loan >50,000 which need a percentage of collateral and guarantor. how is it differ from apply micro loan which need guarantor who has specific income?
Thank you very much for sharing!!!
Hi there,
I having an idea to starting a business with my friends but the main trouble is the capital to invest. May i ask is it possible for Chinese to get the loan? And what means the macro loan >50,000 which need a percentage of collateral and guarantor. how is it differ from apply micro loan which need guarantor who has specific income?
Thank you very much for sharing!!!
hi,
saya amat berminat dalam perniagaan bahan-bahan membuat kek..selain dari sumber modal,saya juga perlukan bantuan dari segi mendapat maklumat pengilang dan pemborong utama bahan-bahan tersebut, di manakah dapat saya rujuk semua maklumat tersebut?
tq
how to apply?
saya ibrahim.
Dari seremban, nak cari rakan kongsi seluruh malaysia.
bagaimana cara?
saya hamdan.saya sde barang nak jual tapi tak tau nak promote kat mane..
website iklan percuma saya dah masukkkan tapi masih takder sale..saya nak jual buku agama dgn al-quran..
boleh tolong saya tak??
Hi,
I’m age 39, non-bumiputra, i would like to startup Candy Kiosk business in supermarket, need funding abt RM35000.00.
Which micro loan I should apply?
salam,
saya berminat nak tau ttg nk buka perniagaan ni,..so bleh tak bagi saudara punya blog ke webpage ke,ok tq
hi… im running a family bus…
currently im planning to expand the bus but having trouble finding the fund….
how long does it actually take to know the result?
n i find ur site is very informative…tq..
salam 1 malaysia.
kalau hanya ada idea susah utk dpt loan.sy dh lalui 10 tahun dl.sy ada idea yg bernas..berbelas kursus sy hadiri tp masih tk layak dpt loan.akhirnya sy tpaksa bekerja dari bwh walaupun sy graduan U.sy bekerja dan ambil pengalaman,kemudian sy berniaga secara part time.bila dh yakin,sy berhenti kerja dan buat bisnes sendiri secara kecil-kecilan.sy join ekspo,karnival dan open table di kwsn perniagan rakan2.akhirnya sy dpt sewa premis dan layak memohon loan tp dengan jumlah yg kecil.2 tahun rolling bisnes,ekonomi jatuh.bisnes stuck sbb modal kecil dan ekonomi negara yg teruk.loan tk dpt byr.skrg dlm usaha nk selamatkan bisnes,mohon loan lain tp dh tk layak.
nak cuba nasib SUS.dengar pulak susah nk dpt.
saya sudah mempunyai bisnes.pemilihan saya untuk bisnes ini sangat tepat kerana ianya menjana peluang pendapatan yang sangat besar.kajian mendalam telah saya lakukan sebelumnya dan ianya terbukti.untuk mengembangkan lagi bisnes ini saya mohan penerangan dari tuan tentang dana skim usahawan siswazah secara lebih ditil kepada saya.terima kasih.
salam, sy mempunyai ladang ternak itik.. tapi tak banyak.. lebih kurang 200 ekor je.. saya ada kelulusn diploma.. bagaimana sy nk mula nk buat geran untuk menmbahkan bilangan itik dan semua 2.. sila bls scpt mgkn..
Biz ternakan LOBSTER AIR TAWAR,industeri baru ternakan air tawar 2012
sy sedang menjalankan perniagaan atas nama abg sy..sy kekurangan modal pusingan dan peralatan..bagaimana program ni boleh membantu sy..sangat ingin tahu..
Jai: Jika perniagaan itu atas nama abg anda jadi Abg anda yang boleh memohon dana dari PUNB nie..masuk website PUNB..anda @ abg anda akan diminta untuk menjalani beberapa prosedur sebelum layak menerima dana tersebut..sebenarnya mudah jika semua prosedur PUNB anda penuhi..Semoga berjaya!!! dana PUNB hanya untuk “MENGEMBANGKAN PERNIAGAAN SEDIA ADA” bukan ”MEMULAKAN PERNIAGAAN”….
Lutfi: Dana PUNB tiada untuk bidang pertanian @ penternakan..saya ada rakan yang ingin mengembangkan perniagaan ikan siakap di Langkawi tapi PUNB tak meluluskan dana dlm 2 bidang ini kerana risikonya agak besar sedangkan pulangan modal perlu kite tunjukkan dalam msa 3 bulan selepas mendapat dana…Bidang pertanian & penternakan perlukan msa yang agak panjang untuk tuai hasilnya, jadi pegawai PUNB ada menyebut 2 bidang ini risikonya tinggi..itu belum kita kira dengan masalah seperti benih ikan mati, bencana alam dan lain2..tapi Lutfi boleh mencuba memohon dari Agro Bank..
salam..
saya ingin tahu lebih lanjut tentang kursus asas keusahawanan siswa. apakah aktiviti yang dijalankan semasa kursus dan apakah soalan-soalan yang ditanya semasa temu duga.
terima kasih.
Iya, mengikut pengalaman sy yg telah menhadiri kursus asas keusahawanan untuk tabung SUS siri 2/2012 pada bulan April yg lepas sgt berguna bg kita yang baru nk mulakan perniagaan..aktivitinya bersandarka kuliah semata-mata selama 5hari bermula 8.30pg-5ptg..kita diajar bagaimana membuat rancangan perniagaan dan bagaimana membuat perakaunan bg menyokong rancangan pernigaan kita tu..dan dari kursus tersebut kita akan berjumpa dgn rakan2 yang dtg dari pelbagai bidang perniagaan dan dari situ kita kan mendapat idea2 dalam merealisasikan perniagaan yg hendak kita ceburi..kursus tersebut bukan jaminan untuk kita mendapatkan dana SUS..kita perlu menyediakan rancangan perniagaan dan perlu dihantar ke INSKEN untuk ditapis kemudian kita perlu membentangkan RP kita tu kepada pihak SME bank..dan diikuti proses2 seterusnya..saya skarang pun sedang menyiapkan RP saya..Sijil kursus yg kita hadiri itu hanyalah salah satu syarat untuk memohon dana SUS..sekian..:)
Saya menjalankan perniagaan perkhidmatan kelas pengajian agama dan tusyen hampir 5tahun, saya ada perancangan untuk terus memajukan perniagaan ini, apa bantuan yang saya sesuai yang saya boleh terima dari program ini? Adakah bantuan modal pusingan juga boleh saya dapat melalui program ini?
Ilmu merupakan titian manusia meninggikan kualitas hidupnya. Semangat belajar adalah milik pribadi berkualitas 🙂
Thanks atas ilmunya Bro!
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Assalamualaikum
saya ingin bertanya tentang Program Inkubator Usahawan Siswazah (PIUS)
yang akan dijalankan sekitar Feb 2013. sekiranya ada, saya mahu mendaftar kerana saya ingin memulakan perniagaan perkhidmatan perkahwinan. sebarang info diharap dapat dikongsikan.
atau juga kursus SUS anjuran INSKEN
noh abdul hadi, student uitm sendiri boleh pergi ke MASMED UiTM di Intekma Sec 7, feel free to ask staff disana program-program yang disediakan untuk student @bakal usahawan, please advised
kalau lepasan stpm boleh mohhon tak??
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hi. sy rina. sy lepasan ijazah undang2. tp sy berminat untuk membuat projek ternakan ayam dan ikan keli . tanah,ada, cuma dari mana saya boleh dapatkan bantuan kewangan, n ada x bantuan kewangan bagi siswa/siswazah? .tq
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