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
BANKS
Agro Bank
Bank Rakyat
MFI
TEKUN Nasional
MARA
GOVERNMENT
AGENCY/INSTITUTION
AIM
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)
GOVERNMENT OF MALAYSIA
NEW ECONOMIC POLICY
To Generate Income,
Creating Wealth
&
Enhancing Standard of Living.
Objectives of
TEKUN NASIONAL
To provide start-up fund and additional capital
for small business/ entrepreneurs in the form
of microcredit
VISION
TEKUN Nasional as a strategic and ideal
entrepreneur development institution
MISSION
To provide Micro Financing And
Entrepreneurship Development Support
Services
TEKUN NASIONAL
Roles
• Entrepreneurship Information
• Business Opportunities
• Financing Facilities
• Advisory Services
• Business Support
• Entrepreneurs Networking
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
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
FINANCING OFFERED
Loan Amount :
RM 500 – RM 50,000
(USD 154 – USD14,286)
Repayment :
1 month – 5 years
Service Charge :
7.6 % per annum
Savings :
5% of the loan amount per annum (loan
tenure)
Repayment :
Monthly / weekly
Method of repayments : Loan Officers (Collectors), TEKUN Mobile,
Business Centres, appointed banks, Postdated Cheques
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
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.
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.
BASIC ENTREPRENEURSHIP COURSE
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.
TEKUN ENTREPRENEURS COMMUNITY
 As a platform for entrepreneurs to know
each other and develop networking
 To market their products
 To find suppliers
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
BUSINESS CENTRES
ENTREPRENEUR DEVELOPMENT
PROGRAMS
• Business Opportunities Programs
( Mentor Mentee Program )
• Graduate Entrepreneurs Development
• Women Entrepreneurs Development
( Home Based Program )
• Income Enhancement Program
TEKUN NASIONAL
Entrepreneur Development Programs
• Entrepreneurs Development for
Ex- Prisoners & Drug Addict
• Entrepreneurs Development for Poverty
Eradication
• Entrepreneurs Development for Indian
Youth ( SPUMI )
HOME BASED PROGRAMS
GROUP FINANCING
POVERTY ERADICATION PROGRAM
POVERTY ERADICATION PROGRAM
SPECIAL PROGRAMME
SECOND CHANCE PROGRAMME
PRISON / DRUGS AGENCY
SPECIAL GROUP
REQUIRED TO ATTEND COMPULSORY
COURSE CONDUCTED BY TEKUN
MALACCA GOVERNMENT
POVERTY FINANCING SCHEME
MAKSIMUM RM5,000
TO POOR AND HARDCORE POOR
KEDAI TEKUN ( RETAIL SHOP )
•
Opportunities for entrepreneurs to display and sell
their products
•
Financing offered to operators
TEKUN Nasional’s Roles
In Supporting
SMEs Financing
29
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)
30
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
Hamidah Mohd. Amin
COSMETICS & BEAUTY CENTRE
1st Loan : RM5,000.00
2nd Loan : RM21,000.00
Sales
Before
After
: RM 70,000.00 / month
: RM120,000.00 / month
Rosli bin Ahmad
chillies
1st Loan : RM50,000.00
Sales
Before
After
: RM800.00 / month
: RM3,500 / month
Johan bin Kosnin
Kulai, Johor
1st Loan : RM 10,000.00
Sales :
RM70,000.00 / month
Md Amil bin Hassan
Simpang Renggam, Johor
1st Loan : RM20,000.00
Sales
Before : RM20,000.00 / month
After
: RM50,000.00 / month