BSN MICRO/i KREDIT PRIHATIN & SPECIAL RELIEF FACILITIES Micro Business Division RETAIL BANKING DEPARTMENT
COVID 19 – FINANCING SCHEME SCHEME BSN Micro/i Kredit Prihatin 1 Special Relief Facilities SCHEME 2 01
SCHEME 1 : BSN MICRO/i KREDIT PRIHATIN
SCHEME 1 – BSN MICRO/i KREDIT PRIHATIN 03
SCHEME 1 – BSN MICRO/i KREDIT PRIHATIN FEATURES What is BSN Micro/i Kredit Prihatin? Sectors Micro financing scheme which is All business sectors offered to Micro Enterprises whose businesses are impacted by COVID -19 outbreak. Eligibility Entrepreneurs whose businesses are • impacted by the COVID-19 Loan Process Malaysian owned business • 6 days upon receipt of Registered with Suruhanjaya • application form together Syarikat Malaysia (SSM) or Local with complete supporting Authority (LA) documents. Business has been in operation for • at least 6 months Loan Privillege Loan Amount & Interest Rate The privilege of BSN Micro/i Kredit Prihatin is 6 months Up to RM75,000 • moratorium on monthly ( Between 1 to 5.5 years ) instalment. Interest rate: 0 % p.a • 04
SCHEME 1 – BSN MICRO/i KREDIT PRIHATIN REQUIRED DOCUMENTS 1. A valid Business Registration certificate with SSM or Business License with Local Authority (LA) 2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners Validity : 3. Latest 3 months Company's Until 31 December 2020 Bank Statement 4. Any other supporting documents as required by the Bank. Collateral : No collateral required 05
SCHEME 2 : SPECIAL RELIEF FACILITIES
SCHEME 2 – SPECIAL RELIEF FACILITIES 07
SCHEME 2 – SPECIAL RELIEF FACILITIES 01 02 03 Special Automation Relief Agrofood & Facility Facility Digitalisation (SRF) Facility 08
SCHEME 2 : 01. SPECIAL RELIEF FACILITY
01 – SPECIAL RELIEF FACILITY (SRF) FEATURES What is SRF? Purpose Offered to micro enterprises as well Working Capital as Small Medium Enterprise (SME) whose businesses are impacted by COVID -19 outbreak to alleviate Eligibility short term cash flow problem. Micro enterprises whose businesses • are impacted by the COVID-19 Sectors outbreak. Retail & Wholesale Malaysian owned business. • Manufacturing Registered with Suruhanjaya • Services Syarikat Malaysia (SSM) or Local Authority (LA). Loan Tenure Loan Amount & Interest Rate Between 1 year to 5.5 years including 6 months Up to RM250, 0,000 000 • moratorium on the monthly Interest rate: 3.50 % p.a • instalment. 08
01 – SPECIAL RELIEF FACILITY (SRF) REQUIRED DOCUMENTS 1. Business registration with SSM and / or Business License with District Council / Municipal Council / Local Authority (PBT) / Operating Permit (for related businesses) / Partnership Deed (if applicable). 2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners 3. Latest 2 years Audited / Certified Account / Management Account / Latest 6 months Company's Bank Statement 4. Any other supporting documents as required by the Bank. Validity : 6 March 2020 to 31 December 2020 05
SCHEME 2 : 02. AGROFOOD FACILITY
02 – AGROFOOD FACILITY (AF) FEATURES Purpose What is AF Working Capital • Offered to Small Medium Enterprise Capital Expenditures • (SME) to increase food production for Development of agriculture project • domestic consumption and exports. Eligibility This scheme is open to all eligible • Sectors micro enterprises. Retail & Wholesale Malaysian owned business. • Manufacturing Registered with Suruhanjaya • Services Syarikat Malaysia (SSM) or Local Authority (LA). Loan Tenure Loan Amount & Interest Rate Between 1 year to 7 years Up to RM250, 0,000 000 • Interest rate: 3.75% p.a • 08
02 – AGROFOOD FACILITY (AF) REQUIRED DOCUMENTS 1. Business registration with SSM and / or Business License with District Council / Municipal Council / Local Authority (PBT) / Operating Permit (for related businesses) / Partnership Deed (if applicable). 2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners 3. Latest 2 years Audited / Certified Account / Management Account / Latest 6 months Company's Bank Statement 4. Any other supporting documents as required by the Bank. Validity : Subject to any directive by the Government 05
SCHEME 2 : 03. AUTOMATION & DIGITALISATION FACILITY
03 – AUTOMATION & DIGITALISATION FACILITY (ADF) FEATURES Purpose What is ADF Purchase of equipment, machinery, Loan scheme to incentivise Small computer hardware and software, IT Medium Enterprise (SME) to automate solutions and services, technology support processes and digitalise operations to services and other intangible assets increase productivity and efficiency Eligibility Sectors Micro enterprises whose businesses are impacted by the COVID-19 Retail & Wholesale outbreak. Manufacturing Malaysian owned business. • Services Registered with Suruhanjaya • Syarikat Malaysia (SSM) or Local Authority (LA). Loan Tenure Loan Amount & Interest Rate Between 1 year to 7 years Up to RM250, 0,000 000 • Interest rate: 4.00% p.a • 08
03 – AUTOMATION & DIGITALISATION FACILITY REQUIRED DOCUMENTS 1. Business registration with SSM and / or Business License with District Council / Municipal Council / Local Authority (PBT) / Operating Permit (for related businesses) / Partnership Deed (if applicable). 2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners 3. Latest 2 years Audited / Certified Account / Management Account / Latest 6 months Company's Bank Statement 4. Any other supporting documents as required by the Bank. Validity : 6 March 2020 to 31 December 2020 05
SUMMARY FACILITIES OFFERED BY UNDER BNM Special Relief Facility (SRF) Automation and Digitalisation Agrofood Facility (AF) COVID-19 Facility (ADF) Allocation RM5 billion RM300 million (as part of AES) RM1 billion Alleviate short-term cash Incentivise SMEs to automate Increase agrofood production for Objective flow problems faced by processes and digitalise Malaysia and for exports purposes SMEs affected by the operations to increase COVID-19 outbreak productivity and efficiency Malaysian SMEs* affected Eligibility Malaysian SMEs* Malaysian SMEs* by COVID- 19 Purchase of equipment, Capital expenditures; or/and Purpose Working capital machinery, computer Working capital; and hardware and software, IT Development of agrofood solutions and services, projects technology support services and other intangible assets to enhance productivity and efficiency Up to 3.50% p.a. (inclusive of Up to 4% p.a. (inclusive of any Up to 3.75% p.a. (inclusive of any Financing rate guarantee fee) any guarantee fee) guarantee fee) Max. financing RM1 million per SME RM3 million per SME RM5 million per SME amount 5.5 years, including 6 Max. tenure 10 years 8 years months moratorium on repayments 05 Until 31 Dec 2020 Availability Until 31 Dec 2020 Open
CONTACT US STATE NAME POSITION BRANCH CONTACT EXT. WILAYAH PERSEKUTUAN SAFIROL HASHIM BIN SAID KPPN CWGN UTAMA KL 03-21623222 15481 SELANGOR NUR HIDAYAH BINTI ABD KADIR MERICAN KPPN SHAH ALAM 03-55103364 20234 JOHOR RADZUWAN BIN IBRAHIM KPPN JOHOR BAHRU 07-2083555 74007 KEDAH MOHD SUHAIMI BIN ABD GHAFFAR KPPN ALOR SETAR 04-774 0444 73062 KELANTAN NURULAISAH BINTI MOHAMED @ YAHYA KPPN KOTA BAHRU 09-745 7070 75109 MELAKA NORHASSIDA BINTI JOHARI KPPN CWGN UTAMA 06-2895800 74103 NEGERI SEMBILAN IZA SHAFINAZ BINTI MOHAMED KPPN CWGN UTAMA 06 – 763 9820 74208 PAHANG NOR AZLINA BINTI MAHAMUD KPPN KUANTAN 09-5165072 75007 PENANG ABDUL HAKIM BIN MOHAMED ZAINUDIN KPPN CWGN UTAMA 04-222 6450 73107 PERAK NURAIDA BINTI MOH SUHI@MD SUHI KPPN IPOH 05-245 2200 73207 TERENGGANU AZMI MOHD NOH KPPN K.TERENGGANU 09-631 8184 75207 SABAH JOWITA @ NORHAYATI BINTI MUJIN KPPN KOTA KINABALU 088 – 245 660 76610 SARAWAK JAMILAH BINTI ABDUL KADIR KPPN KUCHING 082-244 749 76608 05
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