Posts Tagged ‘Pembiayaan perniagaan’


I’ve read lots of posts in forum where Malaysians would complain that obtaining loan is not as easy as promoted by banks for graduates. Although the Malaysian government have prepared banking facilities such as “Tabung Usahawan Siswazah”, pembiayaan mikro or anything else, there are still problems in getting the funds to start the business.

What is the problem really?

Before I start putting down into words, please take this analogy:

Mr. X approach you to request for funds (pinjaman) for his business. Mr. X talks about his idea to you but he has no business documents prepared. You request for the information on the business he is doing but it seems that Mr. X does not understand the nature of his business in economic form, etc. Sensing a problem with his idea, you replied no to Mr. X request.

Now change “Mr. X” as yourself and you as the “bank”. Would you lend him some money to start his business except out of curteosy? Remember banks are not charity institutions.

What are the factors that would make you fail to get the loan?

  • Not understanding the business loan application process. You need to know the documents required, the guidelines and standards on paper presentation by the bank, disclosures, etc.
    (I have an experience of such an embarrassment when I to the bank and request to open up a partnership account. We forgot our company stamp, we don’t even did our homework on what documents to prepare for the application. The bank officer laughed and it was not funny but it did teach me a lesson. Do this for bank loan application, you create a very bad impression.)
  • Incomplete business plan (Rancangan Perniagaan tidak lengkap @ buat cincai). Business plan is the most important aspect where the officer would look through and decide on first sight whether your business is viable or not. You must make sure that every detail is based on facts, for example your potential market size must be based on the demographics obtained from the Majlis Perbandaran. If you take it easy, you assume, then they’ll make an assumption of your loan too.
    (Another experience of mine: We did not prepare our business idea well for the pre-seed funding application under MSC Technopreneur Funding. Although it looks nice but during the interview the panel asked us about our biasness of just listing 2 competitors. Indirectly, he means we are not doing our homework. So our application got turned down)
  • Your loan payback attitude. Make sure you are the type who is eager to pay back your loan. Usually before getting this kind of loan you would have to answer a series of tests. This test would determine whether you wanna pay back or not. If you are the type who is “liat nak bayar”, change your attitude.
  • Your business in the economic situation. A bank would be likely to have funded a similar business like yours, therefore they understand the economy better. You must convince them through your reasearch and papers that your business is better and would guarantee you can pay back their loan. Some people drop dead when the officer asks: “bisnes ni tak boleh dik, ekonomi tak bagus, bank tak nak.” If you give up on this first sight, then you must consider what is the meaning of “entrepreneur”
  • Collateral and guarantor (penjamin & cagaran). Remember this: the more the amount you ask for loan, the more collateral and guarantor needed. You must secure guarantor and collateral in any way if you want the loan. This has and always will be the problem of getting loan. Be smart, if you can’t get loan, go for pre seed funding first or a different industry.
  • Inexperienced management team. Let’s face it, no experience, no loan. But remember, as an entrepreneur, you can afford to search for people who are experienced and offer them a job in your startup. What you need to do is to secure their funding once they agree to join you with the salary you offer him/her.
  • Being an idiot. Simply asking stupid questions where the answers are clearly on the papers or not doing your research before presenting something is darn stupid. Avoid being labelled as one, because being a graduate, experienced people would have a perception that you are not knowledgable therefore you need to capture them by talking in their own business language and being knowledgable.

Hopefully that helps, based on my own experience and some of my friend’s experience while helping her getting a loan successfully for the Tabung Usahawan Siswazah.

All da best!


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I love this post the most! I am a graduate as well therefore opportunities given to graduates to start up their own business are lots! I’ll post on Graduate Entrepreneurs Fund by SME Bank in the next few days.

What is SKIM Prosper Siswazah?

It’s for graduates who aspires to be trained as an entrepreneur and to startup their own business. Focus is mainly on retailing (peruncitan) but I was informed during Skim Usahawan Siswazah that it is open to any type of business approved at the discretion of PUNB.

What is punb?

Permodalan Usahawan Nasional Berhad. You can go to their website at : http://www.punb.com.my

Who is eligible?

For individuals:

  • Bumiputera graduates with at least a diploma
  • Aged not more than 33
  • Cost of investment is RM500

For companies:

  • 100% bumiputera owned
  • New startups or company expansion

What is the interest rate?

It is charged at 3% (during the time i was informed). Without BLR. That means 3% flat with a negotiated grace period. Grace period is the time where you don’t have to pay the loan. For example, you have to pay back in 5 years, the 1st year no need pay and the rest must pay.

What is the financing method:

Package A

  • Loan amount of Rm5,000 – RM50,000 for sole proprietorship & sdn bhd (1 person or company)
  • Payback period is 3-7 years

Package B

  • Loan amount of RM50,001 – RM100,000 for partnership & sdn bhd (2 person or company)
  • Payback period is 5-7 years

For both packages you get advisory services which includes, per operation, accounts management and training during the financing period.

What is the process?

It’s just like SKIM Prosper Peruncitan I posted earlier:

  • Register and pass the competency test,
  • Go for Kursus Rancangan Perniagaan Prosper Siswazah for 3 days,
  • Present your RP, Rancangan Perniagaan or Business Plan as you call it
  • Approval
  • Go for Kursus Asas Keusahawanan Siswazah for 4 days

If you are interested, You can get the form by registering online at PUNB E-Borang or contact the secretariat at:

Sekretariat PROSPER
Tingkat 10, Blok 1B
Plaza Sentral
Jalan Stesen Sentral 5
Kuala Lumpur Sentral
50470 Kuala Lumpur

Alternatively, you can email prosper_siswazah@punb.com.my or call +603 2785 1515

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“Skim PROSPER Runcit” is administered by Permodalan Usahawan Nasional Berhad and is focused mainly on retailing or peruncitan. Please take note that this is a business loan similar to any other loans offered by any bank. I came across this scheme during a briefing by one of the PUNB officers during my “Skim Usahawan Siswazah” seminar organized by the-late Kementerian Pembangunan Usahawan (i’ll write the loan offered by SME Bank later + two other loans offered by PUNB)

The eligibility for Skim PROSPER Runcit are (individual):

  • Bumiputera and aged 18 above
  • Able to contribute at least 10% of the required loan amount

For companies:

  • Involved in retailing / peruncitan
  • Company wholly owned (100%) by bumiputera
  • Companies with active growth with current loan less than RM1 million
  • Company’s fixed asset is not pledged to any financial institution

There are 2 packages which are:

Package A (RM70,000 – RM200,000)

The loan is based on Qard-Al Hasan and with an interest rate of 3% (during Feb ’09 as informed by the officer). You have to pay just like any loan, monthly.You have to contribute 10% of the required loan amount and 90% will be given by PUNB. For example you need RM100,000, you will have to contribute RM10,000 and PUNB will contribute RM90,000.

You will also get services such as “pra operasi perniagaan, pemantauan akaun & khidmat nasihat perniagaan)

Package B (RM200,001 – RM1,000,000)

The loan is based on mixed instruments which are Musyarakah (equity financing), Bai Al Inah, Bai Bithanam Ajil or other instruments which means you can use the loan for fixed assets (bangunan, kedai, etc) purchasing. The interest rate is 3%. You can contribute in 2 ways which are: 10% from you, 10% PUNB equity, 80% loan by PUNB. Another way is 20% from you and 80% from PUNB.

You will also get services such as “pra operasi perniagaan, pemantauan akaun & khidmat nasihat perniagaan)

The eligible businesses allowed for this funding is as below:

  • Kedai emas
  • Pengusaha stesen minyak
  • Bengkel baik pulih kenderaan
  • Klinik pakar/ perubatan/ gigi/ haiwan
  • Kedai tekstil & pakaian
  • Kedai cermin mata/ optik
  • Firma arkitek/ akauntan/ guaman dan lain-lain firma professional yang diiktiraf oleh kerajaan
  • Kedai logam & bahan binaan
  • Farmasi
  • Penjualan makanan
  • Kedai kasut/ barangan kulit
  • Kedai kosmetik & kecantikan
  • Kedai aksesori wanita
  • Kedai peralatan komputer/ telekomunikasi & IT
  • Kedai buku & alatulis
  • Kedai herba dan ubatan tradisional
  • Peralatan sukan dan rekreasi
  • Kedai elektrik & elektronik
  • Kedai runcit/ pasar mini
  • Lain-lain perniagaan yang bersesuaian

The application process is fairly easy, first you need to go and “sesi kesesuaian keusahawan” in which it will determine your competency test in entrepreneurship. If you pass, you submit your business plan and the PROSPER secretariat will review it and after approval, you pitch it to the committee via a presentation. Finally, if everything goes well, the funds will be disbursed.

You can get the form by registering online at PUNB E-Borang or contact the secretariat at:

Sekretariat PROSPER
Tingkat 10, Blok 1B
Plaza Sentral
Jalan Stesen Sentral 5
Kuala Lumpur Sentral
50470 Kuala Lumpur

Alternatively, you can email prosper_runcit@punb.com.my or call +603 2785 1515

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