OTOP LOAN

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SME Best Practices & Financing Model
OTOP Business Model
1
18 November 2010
OTOP
ONE TAMBON ONE PRODUCT : OTOP
Project is one of the government's urgent policies encouraging
Thai communities to make use of Thai wisdom. And also helps impart
modern knowledge and manage to introduce the products to the
domestic and international markets through chain stores and outlets.
The government aims to strengthen local communities to be selfdependent and create jobs and income to the community members.
The local wisdom and resources, therefore, have been employed to
develop quality products and service with their own advantages and
value added. While maintaining Thai culture and way of life, the
products also meet the needs of the domestic and international
markets.
2
FROM POLICY TO IMPLEMENTATION
2001
2002
2003
2004
2005
Create the Mechanism Management and Working Integration
Obtain the Strategic Planning / Support the network of OTOP Producer.
Searching for Core Product (In Search of Excellent)
Selected 80,000 registered products
Select the best product (OTOP Product Champion : OPC)
for supporting the producer to have a standard type and quality which guarantee in
Social Consumer. Classify standard into 1-5 Star Level
Develop Quality and Product Standard
Promote and Support OTOP Product into Community Standard , Industrial Standard
or Others ( Halal, Food and Drug, etc )
Support in Marketing
From Local Product to International Standard followed by Strategic Planning
“Local Links Global Reaches”
3
FROM POLICY TO IMPLEMENTATION
2006
Searching for Excellent OTOP
Created Product and Service of each province to be unique and different image
2007
Searching for potential marketing product and develop knowledge network
aimed to develop in community ( Knowledge Base OTOP : KBO)
75 Networks with a quality standard development
2008
Emphasize Marketing Support in KBO Strengthen Network
Effective in Management
Working business plan turn into Professional Entrepreneur
2009
Sustainable Development
Changing emphasize in product to integrate and more participate in community
4
NUMBER
OF
OTOP IN THAILAND
Registered Entrepreneur
31,798
OTOP Product
69,217 Products
Selected Product with 1-5 Star Level
11,534 Products
Knowledge Base OTOP : KBO
75
Persons
Provinces
Source : Community Development Department , Ministry of Interior
Support in regional OTOP channel distribution helps to increase sale volume
more than 200 Million Bath
5
and
6
Special Project
To
support
Micro Finance
7
“SME POWER
Objective
Target Group
FOR A
NEW START”
For the cash flow of business
Owners of Small and Medium Enterprise whose business was
impacted by the recent political protest in Bangkok area
 Revolving Fund
Amount
Criteria
Interest Rate
Fee and Collateral
 Duration Loan ( not over 6 years)
 Not Exceed 1,000,000 Baht
 Grace Period 2 years
 1st year = 0 %
From 3rd year = 3%
 No Fee
 No Collateral
8
PUBLIC DEBT CONTROL PROJECT (INFORMAL DEBTS)
Objective
Target Group
To support a loan for Entrepreneurs who have
informal debts
People who registered with GHB or BAAC and the
debts must also incur before November 19, 2009
by negotiating
Amount
Criteria
Interest Rate
Collateral
50,000 – 200,000 Baht
 Not Exceed 100,000 Baht = MLR
 Exceed 100,000 Baht = MLR + 2 : Year
 Not Exceed 100,000 Baht guarantee at least 1 person
 Exceed 100,000 Baht guarantee at least 2 persons
9
“ OTOP LOAN”
Support in Funding, Production System, Management,
Product , Marketing and Distribution Channel
Objective
Target Groups
Individual Person or General OTOP Entrepreneurs who
were guaranteed by government organization such as
Mister of Industry , Minister of Commerce, etc.
Credit Amount
Total 5,000 Million Baht
Lending from 50,000 not over 1,000,000 Baht per case
Criteria
Type of Loan
Interest Rate
1.
2.
Term Loan : Not over 5 years
Short Term Loan : P/N
MLR +1 % Per Year
Not below MLR + 2 % : Year
(In case Cross Guarantee)
10
“ OTOP LOAN”
Fee
Collateral
1,000 Baht per case
1. Individual Person
2. Juristic Person
3. Cross Guarantee between Individual
Person and Juristic Person
4. Others ( as the regulation of SME Bank )
11
OTOP ( DETAIL )
Objective
Expand /Adjust Business
Develop Production System,Marketing or Channel Distribution
Develop various types of product for adding value.
Revolving Fund
Qualification
Individual Person / Juristic Person
OTOP Document Guarantee from concerned institution such as
Community Development Department
12
OTOP ( DETAIL )
Type of Loan
 Term Loan duration not over 5 years
 Short Term Loan : Promissory Note
Amount
OTOP 3 Star amount not over 500,000 Baht
OTOP 4 Star amount not over 750,000 Baht
OTOP standard 5 Star or OTOP Product Champion :OPC
amount not over 1,000,000 Baht
13
OTOP ( DETAIL )
Interest Rate
 MLR + 1 %
: Year
 Not below MLR + 2 % : Year
(In case Cross Guarantee)
Fee
 1,000 Baht per case
14
OTOP ( DETAIL )
Collateral
-Individual Person ….
*Government Officer guarantee ,lending amount not over double
of salary per year
- Juristic Person guarantee not over 80 % of shareholder
- Cross Guarantee
* Co-borrow amount not over 200,000 Baht
* To be OTOP 4 – 5 Star or get Community Product Standard
-Others Collateral followed by SME BANK regulation
15
GIFT AND SOUVENIR
16
FOOD AND BEVERAGE
17
FASHION AND JEWELRY
18
COSMETIC AND SPA
19
TOTAL OTOP APPROVAL LOAN
Year
2005
Number of
Entrepreneurs
235
Amount (M.B)
83,198,000
2006
244
106,414,000
2007
144
27,980,000
150
30,260,000
2009
63
12,620,000
2010
36
9,290,000
Total
872
269,762,000
2008
20
MICRO FINANCE APPROVAL LOAN (JAN. – JULY. 2010)
Chart Title
12,000
10,000
8,000
6,000
4,000
2,000
-
จำนวนรำย
number
วงเงิ
น (ล้ำนบำท)
Amount
21
MICRO FINANCE APPROVAL LOAN (JAN. – JULY. 2010)
Type of Project
SME Power for a New Start Project
Loan for General Retail in public debt
Public Debt Control Project
OTOP
Loan for General Retail Customer
Total
Number
Amount (M.B)
10,987
5,086.00
2,248
226.00
2
0.20
29
8.00
204
56.00
13,470
5,376.20
22
PROBLEMS
OF
OTOP
 Under Standard Production System
 Management
 Product Development : Unprominent ,Low Quality, Etc.
 Marketing and Channel Distribution
 Funding
23
OTHER SERVICE
ร่ วมลงทุน
Business Diagnosis
อาวั
ลและ
Training
รับรองตัว๋ เงิน
SME Marketing Arms
Services
บริ
การอืน่ ๆ
คา้ ประกัน
การรับรองเครดิต
Letters of Guarantee
Services
Business Development
วินิจฉัย
สถานประกอบการ
Joint Venture
Services
24
SME & OTOP DEVELOPMENT
• Aim to Support and Develop Entrepreneurs both before and after lending credit
• Increase Potential and Capacity in competition to Thai SMEs & OTOP
25
BUSINESS DIAGNOSIS
Shin – Dan Program
- Diagnosis and Kai-zen for
SME BANK Clients
- Seminar to prepare for
improvement
and
- Consulting for implementation
26
CONSULTING
Deep Consulting
in
Business Plan
Develop and Upgrade
Business
into
standard
27
SME CATALOGUE
SME Catalogue
for publishing SME BANK’s Client Product
over 500 businesses target
group both domestic and international
purpose to support with increase in
channel marketing
28
OTHER ACTIVITIES IN MICRO FINANCE PROJECT
Thai Festival at Tokyo Japan
29
BUSINESS MATCHING
SME Bank and Japan Finance Cooperation (JFC)
Create Merchandise Channel between Thailand and Japan
30
Thank you
More Information 1357
www.smebank.co.th
31
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