SME newsKDN No : PP18285/09/2013(03622)
For business. For growth. For life.
ADFIMI-SME Bank International Development Forum 2014 | 4 The 10th International CEO Forum | 6Majlis Penyerahan Cek Kepada Perdana Global Peace Foundation | 8
ContentsFrom the Desk of GMD
Corporate Happenings
Issues of Interest
Enterprise Trails
CEDAR
Customer Success Story
• ADFIMI-SMEBankInternationalDevelopmentForum2014
• The10thInternationalCEOForum
• ProgramSMESmartPartnership
• MajlisPenyerahanCekKepadaPerdanaGlobalPeaceFoundation
• SMEBankY-BizChallenge
• MOU:MARA,CGC&INTI
• FinancialAnnouncement
• CorporateVisit
• ProgramTanggungjawabKorporat
• BRAINProject
• OverviewonPharmaceuticalIndustryinMalaysia
• IndustryTrendinPharmaceutical
• PetuaPenyediaanRancanganPerniagaan
• SMEBiz-Talk
• MOUbetweenCEDAR&SEED
• ProgramOutreachUsahawanSMEBank
• ReachingOuttoOurClients
• SMEBankCustomersOpenDay
• GadingKencanaSdnBhd
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EditorialTeam
SmallMediumEnterpriseDevelopmentBankMalaysiaBerhad49572-H
MenaraSMEBankJalanSultanIsmail50250KualaLumpur,Malaysia
T:+60326152020F:+60326981748www.smebank.com.my
Publishedby
Advisor
DatukMohdRadzifMohdYunus
Executive Editor
MohamadSabirMohamadSabri
Editor
AbdulLatiffPuteh
Contributors
NorhishamHamzah
SaripahRadziahSayedHamid
AbdulAzizAbdulSamad
ZainiJasami@Jasmi
NorsalwaZakaria
SarahHanisAbdullahSani
Photographer
WanBadaruSukryWanAbdullah
Concept Design & PrintingHNHMediaEnterprise(001322305-k)
No.30-3,JlnUSJ9/5QSubangBusinessCentre
47610SubangJaya,SelangorTelefax:+60380117947
Email:[email protected]
Assalamualaikum warahmatullah hiwabarakatuh.Communication has long been establishedas one of the key factors in any successfulorganization. The introduction of our firstcorporate newsletter, known as SME Newsfurtherstrengthenourcommitmentofprovidingan important platform for communicationto flow freely from the Bank and our variousstakeholders.
SME News will be published on quarterlybasis and it highlights SME Bank's corporateactivities, issues focusing on the SMEs as wellas training and development undertakenby our subsidiary, Centre for EntrepreneurDevelopmentandResearchSdnBhd(CEDAR).Sinceitsinceptionin2005,SMEBankhasgonethroughvariousphasesofdevelopmentanditsfocusremainedunchangedthatistoachievethe mandate given by the government tonurture and groom the SMEs as a catalyst indrivingtheeconomicgrowthofthecountry.Theultimategoalistoensurecollectivelywiththe other agencies, SMEs in the country willcontribute 41% toward the country’s GDP bytheyear2020.
Onourpart,inadditionofprovidingfinancingthroughthevariousgovernmentfunds,wehaveundertaken various value added initiativeswhich has directly benefited the SMEs. Ourintervention programmes which concentrateon guiding and coaching the entrepreneurshaveyieldedpositiveresults.
HappyReading!
Datuk Mohd Radzif Mohd YunusGroup Managing Director, SME Bank
GMDTo date, nearly 60% of our customers havemigratedupwardwithinthefive(5) indicatorsin the intervention programme. This is asignificant achievement in producing SMEswhocansustaintheirbusiness,thusensuringaqualityportfoliototheBank.
We will continue to explore new ideas andinitiatives thatwillbringuscloser inachievingthegoal.Meantime,doenjoyourfirst issueofSMENewsandwewelcomeanyfeedbackthatyoumighthaveinourefforttofurtherimprovethepublicationofSMENews.
From the desk of
3SMENews
BankersfromtheDevelopmentFinanceInstitutions (DFIs) challenged the
current system of providing financing toSMEentrepreneursandexploredinnovativesolutions during the ADFIMI-SME BankInternational Development Forum 2014heldon20-21OctoberinKualaLumpur.
Withthetheme,“CollaborativeEntrepreneurDevelopment, A Game Changer in aChallenging Business Ecosystem,” theForum organized by ADFIMI (Associationof National Development FinanceInstitutions In Member Countries of TheIslamicDevelopmentBank)andSMEBankattracted financing professionals, policymakers, and market players from aroundthe globe to discuss alternative modelsin addressing challenges in developingentrepreneursoftheemergingmarkets.
International Development Forum 2014ADFIMI-SME Bank
The Honorable Prime Minister ofMalaysia,YABDato’SriMohdNajibTunHj Abdul Razak delivered his keynoteaddressandofficiatedtheInternationalDevelopment forum.Healsoconferredthe ADFIMI Honorary Membership totheGovernorofQatarCentralBank,HisExcellency Sheikh Abdullah Saoud Al-ThaniduringtheForum.
YAB Dato' Sri Mohd Najib Tun Razak, Malaysia Prime Minister during the launching ceremony
H.E. Sheikh Abdullah Saoud Al-Thani being conferred the ADFIMI Hon. Membership by YAB Dato' Sri Mohd Najib Tun Razak
CorporateHappenings
4SMENews
The ADFIMI-SME Bank InternationalDevelopmentForum2014touchedonfourkeyissuesthatareconsideredcrucial in ensuring the financier-entrepreneurrelationshipcontinuesto be robust and dynamic. Firstly,the need to go beyond financingwhich requires a game changerin shaping and sustaining highgrowth entrepreneurs. Second,is innovation which is a tool invalue creation in a changingbusinessecosystem.Third,exploringalternative models in managingrisks through a collaborativeentrepreneurial environment andfourth,iscrossborderengagement,specifically on the challenges oftheDFIsandSMEs’collaborationinsustainingregionalgrowth.
The ADFIMI-SME Bank InternationalDevelopmentForum2014attractedspeakers from Yemen, Turkey,Indonesia,Qatar,Bahrain,Uganda,Iran, Malaysia andOman. Amongthe distinguished speakers wasYBhg Tan Sri Dato’ Nor MohamedYakcop, the Deputy Chairman ofKhazanah Nasional Berhad whohad also shared his views andexperiences on the importanceof enhancing value-based Islamicfinancing in today’s challengingbusinesslandscape.
“”
CollaborativeEntrepreneurDevelopment,AGameChangerinaChallengingBusinessEcosystem
YAB Dato' Sri Mohd Najib Tun Razak, Malaysia Prime Minister during the launching ceremony
The speakers and moderators of ADFIMI-SME Bank International Development Forum 2014 in a group photo
CorporateHappenings
5SMENews
CEO ForumAssociation of Development Finance
Institutions of Malaysia (ADFIM), incollaborationwithAssociationofDevelopmentFinancing Institutions in Asia and thePacific (ADFIAP) and Association of AfricanDevelopment Finance Institutions (AADFI)organized the 10th International CEO Forum2014 at Prince Hotel Kuala Lumpur from 4-6November2014.
Deputy Secretary of Treasury (Systems andControl), Ministry of Finance Malaysia, YBhgDato’ Mat Noor Nawi graciously officiatedthe event. This event also witnessed aMemorandumofUnderstanding(MoU)signingceremonybetweenADFIMandAADFI.
Thiseventgathered10localandinternationalfinancial leaders as speakers and forumpanelists to share their views, knowledgeand experiences to strengthen ties amongstthe participating Development FinancialInstitutions (DFIs) as well as entrepreneurdevelopment organizations, governmentand corporate agencies to enhance thedevelopmentofsmallandmediumenterprises(SMEs) in eachmember country. The theme“DevelopmentFinancingAlternativeModelsinaChangingWorld”wasadoptedtoreflecttheneedforDFIstochangetheirmindsetandlookat innovativeways incontributingtowardtheeconomicgrowthofmembercountries.
TheForumattracted250delegatesconsistingCEOs and senior management executivesof DFIs, officials of supervisory authorities andgovernmentagencies.
The 10th International
CorporateHappenings
6SMENews
SMEBank bersama-sama MITI telah menjalinkan satu kerjasama strategik denganmenganjurkan SME Smart Partnership iaitu Program Padanan Perniagaan yang
melibatkan syarikat-syarikat GLC, 'Hypermarket' dan usahawan-usahawan PKS. Program inimerupakan salah satu inisiatif untukmenyahut seruan YAB PerdanaMenteri Malaysia dalamusahamemperkasaekonomiBumiputera.
Program SME Smart Partnership ini telah diadakan dengan jayanya di dua lokasi berbeza.ProgrampertamatelahdiadakandiKualaLumpurpada19-20Mei2014yangmembabitkan650syarikatdalampelbagaisektordansebanyak1,231sesipadananperniagaantelahdiadakan.Program keduapula telahdiadakandi Johor Bharupada 22-23 September 2014dan jumlahpadananperniagaanyangberjayadiadakanadalah505sesi.
ProgramSMESmartPartnershipinitelahberjayamencapaiobjektifnyaapabilabeberapasyarikatyangmenyertainyatelahmendapatpeluangmembekalkanbaranganataupunperkhidmatanmerekakepadasyarikat'anchor'.
Kedua-dua program tersebut telah dilancarkan oleh YB Datuk Ir Hj Hamim Samuri, TimbalanMenteriPerdaganganAntarabangsadanIndustri.
Kerjasama StrategikSME Bank–MITI
dalammenjayakanProgram SME Smart Partnership
PWTC
KUALA LUMPUR
19- 20 MEI 2014
JO
HOR BHARU
22- 23 SEPT 2014
CorporateHappenings
7SMENews
SMEBank telah menyumbangsebanyak RM10,000.00 kepada
Tabung Kemanusiaan Palestin untuk Gazayang dikendalikan oleh Perdana GlobalPeace Foundation. Sumbangan ini adalahhasil kutipandaripadawarga kerja SMEBankyangprihatinterhadapnasibrakyatPalestindiGaza. Inisiatif kutipan amal ini telah bermulapada bulan Ogos dan berakhir pada bulanOktober.MenurutPengarahUrusanKumpulanSME Bank, YBhg Datuk Mohd Radzif MohdYunus,adalahdiharapkanagarsumbanganinidapatmeringankanserbasedikitpenderitaanyang dihadapi oleh penduduk Gaza. MajlispenyerahancekbernilaiRM10,000.00initelahdisempurnakanolehYBhgDatukMohdRadzifMohd Yunus, kepada YABhg TunDrMahathirMohamad, Presiden “Perdana Global PeaceFoundation”pada17Oktober2014.
Perdana Global Peace Foundationuntuk Tabung Kemanusiaan Palest in
Maj l is Penyerahan Cek Sumbangan kepada
Sebagai warga korporat yang prihatin,SME Bank sering mengadakan pelbagaiprogram dan aktiviti khidmat masyarakatbagi membantu masyarakat di Malaysiadan juga masyarakat di luar negara yangdilanda musibah. Ini adalah sebahagiandaripada Program Tanggungjawab KorporatSME Bank dan ianya adalah kali ketiga SMEBank membuat sumbangan kepada TabungKemanusiaan Palestin. Sumbangan pernahdiberikan kepada tabung-tabung bencanayanglainsepertiTabungKemanusiaanHaiyan,Tabung Kemanusiaan Syria dan TabungBencanamangsa-mangsaTsunami,Jepun.
YBhg Datuk Mohd Radzif Mohd Yunus menyampaikan cek sumbangan untuk Tabung Kemanusiaan Palestin kepada YABhg Tun Dr Mahathir Mohamad
CorporateHappenings
8SMENews
Y-Biz ChallengeSME Bank
SMSains Hulu Selangor dengan produk “Gummy Semashur” telah muncul juaraProgramInovasiUsahawanMudaSMEBankY-BizChallenge2014.Kemenangan
yangdiraiholehSMSainsHuluSelangoradalahkali keduasebagai juaraprogram ini.MajlispenyampaianhadiahtelahdisempurnakanolehYBDato’SeriIdrisJusoh,MenteriPendidikanIIpada10November2014.
“GummySemashur”adalahsatuprodukyangdiperbuatdaripadabahanbuangankitarsemulaiaitupolisterina,diciptauntukmengurangkankospembuatangamyangsediaadadisampingmelahirkansatuproduktempatanbuatanMalaysiayangberkualitisertapelbagai guna yang mampu bersaing dan dipasarkan ke peringkat antarabangsa.Penghasilanproduk ini diharapdapatmengurangkanpencemaranbahanpolisterinayangmerupakanbahanyangmengambilmasayangsangatlamauntukterurai.
Pasukanyangbergelar“ValiantVitrade”inidianggotaiolehempatpelajariaituAkmalHazimAhmadRazid,16;MuhammadAfiffAbdullah,16;ArifDanialMohdLodfi,16danMohdShakir ZubayrieRozali, 16.Mereka telahberjayamembawapulangwang tunaiRM20,000,trofi,pialapusingandansijilpenyertaansertahadiahkhastiketpenerbanganbernilaiRM25,000untukmenyertaipertandingandiluarnegara.
Tempat kedua menjadi milik SMK Maran dengan produk “Sugar Dispenser”. Merekamembawapulang hadiahwang tunai RM15,000, trofi dan sijil penyertaan.ManakalatempatketigadimenangiolehKolejVokasionalERTSetapakdenganproduk“PastaDeFruita,DatesandRaisins”danmerekamembawapulanghadiahwangtunaiRM10,000,trofidansijilpenyertaan.
Program Inovasi UsahawanMuda SME Bank Y-Biz Challenge 2014 ini bertujuan untukmenggalakkangolongonmudauntukmenceburibidangkeusahawanan. Ianyaakanmenjadititikmulauntukmembentukparapelajarhariinimenjadiusahawanbeliayangberjayadimasadepan.
Bermulapadatahunhadapan,modulProgramInovasiUsahawanMudaSMEBankY-BizChallenge akan melalui proses penambahbaikkan dan elemen-elemen perniagaanseperti sasaran pelanggan, kaedah pemasaran, perhubungan pelanggan, kospemasarandansebagainyaakanditerapkan.
Program Inovasi Usahawan Muda
CorporateHappenings
9SMENews
Pada tahun ini SME Bank telah menerimapenyertaan daripada 84 buah sekolah dankebanyakkannya merupakan pertama kalimenyertai pertandingan ini. Mutu produkyang dihasilkan oleh para pelajar juga turutmenunjukkanpeningkatan.
Program Inovasi Usahawan Muda SME BankY-Biz Challenge ini juga telah mendapatpengiktirafan antarabangsa iaitu, “Plaque ofMerit”bagikategoriProgramTanggungjawabKorporatdaripadaAssociationofDevelopmentFinancing Institutions in Asia and the Pacific(ADFIAP) yang telahberlangsungdiMoscow,Rusiapada23-25Aprillalu.
Program yang disokong oleh KementerianPendidikanMalaysia(KPM)iniadalahterbukakepada semua sekolahmenengahdibawah
KPM. Para peserta mestilah aktif dalamKelab Keusahawanan, Kelab Koperasi atauKelab Usahawan Muda. Selain daripadaaspek keusahawanan, program ini jugamenumpukanfokuskepadaaspekrekacipta,inovasi, kerjasama berpasukan dankepimpinan.
SME Bank juga telah bekerjasama denganMajlis Rekabentuk Malaysia (MRM) sebagairakan strategik yang telah banyak berkongsikepakaran dalam bidang rekacipta produkdanjugakhidmatnasihatmengenaikreativiti,inovasidanpengkomersialan.Lain-lainagensiyangturutterlibatdalampenganjuranProgramInovasiUsahawanMudaadalahPerbadananHarta Intelek Malaysia (MyIPO) dan InstitutPiawaian dan Penyelidikan PerindustrianMalaysia(SIRIM).
Pencapaian para pesertaProgram Inovasi Usahawan Muda SME Bank Y-Biz ChallengeBil Sekolah Pertandingan Peringkat Hadiah/Anugerah
1 SekolahMenengahSt.Michael,Penampang,Sabah(Juara2013)
EuropeanExhibitionofCreativityandInnovation(EUROINVENT)2014diRomania
Antarabangsa • Pingat Emas bagi ProdukEasyPouringSet
• HadiahKhasdariRepublicofMoldova
HariHartaIntelek2014 Negeri AnugerahHartaIntelek2014KonvensyenProgramUsahawanMuda(PUM)
Negeri • Juara-keseluruhanKonvensyenPUMNegeriSabah
• Juara-kategoriPersembahanPembentanganSyarikat
• Tempatkedua-KategoriProdukTerbaikSyarikat
• Tempatketiga-KategoriPerkhidmatanSyarikat
2 SekolahMenengahKebangsaanMaran,PahangDarulMakmur(Finalis2013)
NationalInnovationAndInventionCompetitionThroughExhibition2014(iCompEx2014)diPoliteknikSultanAbdulHalim,AlorSetar
Kebangsaan PingatPerak–KategoriProduk&Komersil
HartaIntelek2014(PantaiTimur) Negeri Penyertaan3 SMImtiazKuala
Terengganu,Terengganu(Finalis2013)
InternationalInnovationandInvention(i-ENVEX)diUniversitiMalaysiaPerlis
Kebangsaan PingatEmasKelasF:ProsesPembuatan&MesindanPeralatan
4 SMSainsHuluSelangor,Selangor(Juara2012)
EuropeanExhibitionofCreativityandInnovation(EUROINVENT)2013diRomania
Antarabangsa PingatEmasbagikategoriYoungInventor
CorporateHappenings
10SMENews
'Roadshows'- Bermula pada bulan Februari
2014 hingga Mac 2014.- Taklimat kepada pegawai–
pegawai Jabatan Pelajaran Negeri (JPN) seluruh Malaysia.
- Sebanyak 84 penyertaan telah diterima.
'Boot Camp'- Sesi 'boot camp' selama
4 hari 3 malam dari 8-11 September 2014 di Hotel Seri Malaysia, Melaka khusus untuk 20 sekolah yang mara ke peringkat separuh akhir.
- Pelbagai aktiviti diadakan seperti sesi perkongsian ilmu bersama KPM, MRM, SIRIM, MyIPO serta usahawan berjaya.
- Lawatan ke Kompleks Premis Usahawan SME Bank di Telok Mas, Melaka.
Pembentangan Separuh Akhir- Diadakan pada hari ketiga
dan keempat sesi 'boot camp'.
- Setiap sekolah diberi peluang untuk membentangkan kertas cadangan produk di hadapan panel juri.
- Hanya 10 sekolah memasuki peringkat akhir dan menerima wang modal kerja sebanyak RM2,000.00 untuk membina prototaip yang akan dibentangkan di hadapan panel juri pada peringkat akhir.
Peringkat Saringan- 12 Ogos 2014 di Hotel
Premiera, Kuala Lumpur.- Sesi pemilihan 20 sekolah
terbaik.- Melibatkan juri dari SME Bank,
Kementerian Pendidikan Malaysia (KPM) dan Majlis Rekabentuk Malaysia (MRM).
Peringkat Akhir- 10 November 2014 di
Multaqam Ballroom, Tingkat 10, Maju Tower, Maju Junction Mall, Kuala Lumpur.
- 10 sekolah bertanding bagi merebut kejuaraan di peringkat akhir Program Inovasi Usahawan Muda SME Bank Y-Biz Challenge 2014.
- Tetamu kehormat YB Dato' Seri Idris Jusoh, Menteri Pendidikan II hadir untuk majlis penyampaian hadiah kepada pemenang.
Diari Program Inovasi Usahawan Muda SME Bank Y-Biz Challenge 2014
CorporateHappenings
11SMENews
Album Program Inovasi Usahawan Muda SME Bank Y-Biz Challenge 2014
CorporateHappenings
12SMENews
SME BankJalinkolaborasibarudenganMARA
Usahawan mikro Bumiputera kini lebihmudah membesarkan perniagaanmerekasehinggaketarafPerusahaan
KecildanSederhana(PKS)melaluikerjasamaterbaharu antara Majlis Amanah Rakyat(MARA) dan SME Bank yang telah bermulapadabulanJanuaritahunini.
Perjanjian ini adalah susulan daripadakolaborasi yang telah terjalin sekian lamaantara MARA dan SME Bank. Kedua-duaorganisasi ini bersetuju untuk menjalinkankerjasama strategik dalam pelbagai aktivitiyangakanmemberimanfaatkepadakedua-duabelahpihaksertausahawanBumiputera.
Melalui kerjasama ini, pihak MARA akanmemanjangkan permohonan daripadausahawanmikroBumiputerayangmemerlukanpembiayaanbernilai lebihbesarkepadaSMEBankbagimelicinkan lagiperjalananmerekadalammembesarkanperniagaan.
Sehinggakini,MARAtelahmengenalpasti61usahawanmikroyangberpotensiuntukdinaiktarafmenjadiusahawanPKS.
YBhg Datuk Ibrahim Ahmad (tiga dari kiri), Ketua Pengarah MARA dan YBhg Datuk Mohd Radzif Mohd Yunus, Pengarah Urusan Kumpulan, SME Bank sejurus selepas majlis menandatangani Memorandum Persefahaman MARA-SME Bank
CorporateHappenings
13SMENews
SME BANK to offer RM30 million for SME Financing
CGC andSMEBanksignedaPortfolioGuarantee(PG) agreement with CreditGuarantee Corporation Malaysia Berhad(CGC) to offer RM30 million of financing toviableSmallandMediumEnterprises(SMEs) inAugust2014.
This is the first ever PG between CGC anda development financing institution in thecountry. The PG is designed to ease thefinancing burden of viable SMEs as they areexpected to benefit from the lower cost offinancingandafasterturnaroundtimeintermsofapprovalsanddisbursementofferedunderthisagreement.
The initial portfolioof RM30millionwill benefitapproximately 200 SMEs within the next oneyearthroughfinancingbetweenRM100,000.00toRM500,000.00.Thepurposeofthisfinancingfacility istoprovidetheSMEswiththeworkingcapitalrequiredtomanagetheirbusinesscashflowsandforbusinessexpansionatafixedrateofbetweenjust5%-7%perannum.
YBhg Datuk Wan Azhar Wan Ahmad (left), President and CEO, CGC and YBhg Datuk Mohd Radzif Mohd Yunus, Group Managing Director, SME Bank with the signed PG agreement
CorporateHappenings
14SMENews
Corporate PartnershipSME Bank and INTI Ink a
SMEBankandINTIInternationalCollege Kuala Lumpur(INTI) signed a Memorandum ofUnderstanding paving the way forboth parties to collaborate in thedevelopment of human capital forbothorganizations.
The SME Bank–INTI CorporatePartnershiphastwomaincomponents:the students’ programme and theworking adults component. Underthe former, INTI students will be ableto perform their internship, engage inreal life projects and ultimately enjoypriorityhiringforeitherfulltimeorparttimeemploymentwithSMEBank.
Through the latter, SME Bank employees willbe able to enjoy free participation in anyof the training programmes conducted byINTI and at the same time receive specialpreferencetreatmentforusageofINTIcampusfacilities. To encourage lifelong learning, SMEBank employees and their immediate familymemberswillenjoyarebateonthefees.SMEBankwillalsoactas industryadvisorsandbeinvolvedinINTI’scoachingprogramme.
YBhg Datuk Mohd Radzif Mohd Yunus (right), Group Managing Director, SME Bank and Mr Jeffrey Goh, Chief Executive, INTI
signing the MOU»
CorporateHappenings
15SMENews
“
SMEBank aims to provide RM3 billionin financing to Small andMedium
Enterprises (SMEs) this year to nurture theirdevelopment,saidGroupManagingDirector,YBhgDatukMohdRadzifMohdYunus,duringtheBank’s2013FinancialAnnouncementheldinJune2014.
YBhg Datuk Mohd Radzif said as of May thisyear, the Bank has given out RM1.2 billion inloanstoSMEstosupporttheirbusinessgrowth.He added, “We provided financing worthRM2.73billionto1,737SMEsin2013.”
Financing This YearRM3 Billion
We provided financing worth RM2.73 billion to 1,737 SMEs in 2013.”” SMEBankAimsToProvide
The Bank posted a pre-tax profit of RM93.97million in 2013, nearly 1.5 times more thantargeted. It recorded an operating profit ofRM99.47millionwhichwasmorethandoubledthetargetedamount.TheBank’sgrossincomefromIslamicbankingbusinessrose22percentto RM209.3 million from 2012, reflecting itsrobust growth in Islamic banking asset. This isinlinewiththeBank’stargettobecomeafull-fledged shariah-based development financeinstitutionby2015.
SMEBank'sSeniorManagementansweringquestionsduringtheMediaConference
CorporateHappenings
16SMENews
Corporate Visit
2014has been a busy year for theBank.Uptopublicationdate,wehavereceivedatotalof13corporatevisitsbygovernmentleaders,foreigndelegatesaswellasinstitutionsofhigherlearning.
The general objective of the visits is to learnand understand the role played by SMEBank in nurturing and developing the SMEsentrepreneursinthecountry.
VisitbyYBDatukHjAhmadHjMaslan,DeputyMinisterofFinance
StudyvisitbyCYBERNATICSInternationalCollegeofTechnology
February
March 1210
VisitbyLibyanandIDBDelegates
EducationalvisitbytheAssociationofProfessionalAccountingStudents(APACS)andtalkbyYBhgDatukMohdNasirAhmad
April8
WalkaboutbyYBDatukIrHjHamimSamuri,DeputyMinisterMITItoEPCShahAlam
StudyvisitbyDPPSMEBankUniversitiUtaraMalaysiastudents
April
May
15
23
June24VisitbySaudiCredit&SavingsBank(SCSB)
CorporateHappenings
17SMENews
July16
VisitbyMinisterofCommerce,RepublicofGuinea
BriefingsessionforYBDatukIrDrWeeKaSiong,MinisterinthePrimeMinister’sDepartment
BriefingforYBDatukChuaTeeYong,MinisterofFinance
August
August
5
8
StudyvisitbydelegationfromAfghanistanBanksAssociation
August27
VisitbyYBDato'LeeCheeLeong,DeputyMinisterofMITI 2
September
StudyvisitbydelegationfromSriLanka
VisitbydelegationfromTaiwanAcademyofBankingandFinance
VisitbydelegationfromMinistryofMicro,SmallandMediumEnterprises(MSME),GovernmentofIndia
September
November
November
19
4
5
CorporateHappenings
18SMENews
KKorporatProgram Tanggungjawab
1. Program Bersama Komuniti • ProgramSumbanganTutorOnline–23Mei
2014
Agihan 100 'user ID' Tutor Onlinekepada Sekolah Menengah AgamaLughatul Quran, Sekolah MenengahAgama Lughatul Arabiah dan SekolahMenengah Agama Darul Ulum sebagaialat bantuan belajar tambahan untukpara pelajar yang akan mendudukipeperiksaan.TutorOnlinemerupakansatukaedah pembelajaran atas talian yangmenyediakan nota rujukan dan soalanlatihanberpandukansukatanpendidikanyang telahditetapkanolehKementerianPendidikanMalaysia.
• Program Gotong–Royong MembersihkanTanah Perkuburan Islam Kg. Sungai Buah, Dengkil – 21 Jun 2014
Aktivitigotong–royongmembersihkantanahperkuburansebagaipersediaanmenyambutbulanRamadhanyangmelibatkan11orangsukarelawan SME Bankdan jugapendudukKg.SungaiBuah.TurutmenyertaiprograminiadalahEnMohamadSabirMohamadSabri,Pengarah Divisyen Strategi & PerkhidmatanKumpulan.
Program gotong – royong membersihkan tanah perkuburan Islam Kg. Sungai Buah, Dengkil
Majlis Penyerahan 100 'user ID' Tutor Online yang di hadiri oleh YB Datuk Ir Hj Hamim Samuri, Timbalan Menteri Perdagangan Antarabangsa dan Industri merangkap Ahli Parlimen Ledang
»
»CorporateHappenings
19SMENews
• Sumbangan “Sahabat Korporat TabungHaji 1435H”
SME Bank telah menjadi “SahabatKorporat Tabung Haji 1435H” denganmenaja3000helaitualauntukdibekalkankepadajemaahhajiMalaysiabagitahun2014.
• SumbanganKerusiRodakepadaPersatuanKesejahteraan Rakyat 1 Malaysia (KER1M)
SME Bank telah menyumbangkan 2unit kerusi roda kepada PersatuanKesejahteraanRakyat1Malaysia(KER1M),sebuah organisasi bukan kerajaan yangaktif mengumpul dana bagi membantugolongan orang kurang upaya dankurangberkemampuan.
2. Program Ramadhan • SumbanganZakat
SME Bank juga telah membuat agihanzakat perniagaan sempena bulanRamadhanbagimembantumeringankanbeban golongan asnaf fakir miskin dibeberapalokasisepertidiParlimenPekan,Pahang,ParlimenJeli,KelantandanjugadiParlimenTambun,Perak.
Pemberian hamper pada golongan yang memerlukan di Pusat Perniagaan SME Bank Bayan Baru
Program Ramadhan Ledang bersama YB Datuk Ir Hj Hamim Samuri, Timbalan Menteri Perdagangan Antarabangsa dan Industri, merangkap Ahli Parlimen Ledang
• ProgramRamadhandiPusatEnterprisdanPusat Perniagaan SME Bank
Program Ramadhan juga diadakan disemua Pusat Enterpris SME Bank bagimeringankan beban yang ditanggungoleh golongan yang memerlukansempenamenyambutbulanRamadhan.Pada masa yang sama program inijuga bertujuan untuk memupuk sikapkerjasama dan mengeratkan hubungansilaturahim di kalangan kakitangan SMEBank.
• ProgramAgihanJuadahBerbukaPuasadiUTC Kuala Lumpur, Pudu Sentral – 4 Julai 2014.
300 pek makanan telah diedarkan diperkarangan Surau UTC Kuala Lumpuryang terletak di Pudu Sentral. Tujuanprogram ini adalah untuk menyediakanbekalan berbuka puasa kepada parapengunjungUTCKualaLumpur.
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CorporateHappenings
20SMENews
• ProgramRamadhanLedang–13Julai2014 Sumbanganhampermakanankepada500golonganasnaf, ibu tunggaldanwargaemas
disekitarParlimenLedang,Johor.HampermakananinitelahdiserahkanolehYBDatukIrHjHamimSamuri,TimbalanMenteriPerdaganganAntarabangsadan IndustrimerangkapAhliParlimenLedangdiKompleksSukanPulauPenarik,Sg.Mati,Ledang,Johor.
Program sumbangan baju raya untuk anak-anak Rumah Permata Hatiku
Sumbangan bubur lambuk kepada pesakit di Wad Pediatrik, Hospital Sungai Buloh
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• Sumbangan Baju Raya kepada RumahPermata Hatiku, Gombak - 23 Julai 2014
SME Bank telah menyumbangkan bajurayadanwang tunai kepada23anak –anak yatim dari Rumah Permata Hatikusebagai persediaan menyambut HariRayaAidil Fitri. Turut hadir, EnMohamadSabirMohamadSabri,PengarahDivisyenStrategi & Perkhidmatan Kumpulanyang telah menyampaikan sumbangantersebut kepada En Aizuddin, penyeliaRumahPermataHatiku.
• Program Agihan Bubur Lambuk kepadaPesakit di Wad Pediatrik, Hospital Sungai Buloh - 9 Julai 2014
Sumbangan bubur lambuk kepadapesakitdanstafdiWadPediatrik,HospitalSungai Buloh merupakan salah satuaktiviti tahunan SME Bank menjelangbulan Ramadhan. Selain bubur lambuk,SMEBank jugamengagihkanpermainankanak-kanak dan biskut raya bagimenceriakanpesakitdiwadberkenaan.
• SumbanganHari RayaAngkatan TenteraMalaysia
SME Bank merupakan salah sebuahbadan korporat yang menaja ProgramSumbanganHariRayaAngkatanTenteraMalaysia (ATM). Program penyampaianhamper ini telah dihadiri oleh YB Dato'Seri Hishammuddin Tun Hussein, MenteriPertahanan Malaysia dan YABhg DatinSeri Paduka Rosmah Mansor yangmerupakan Yang DiPertua Badan Amaldan Kebajikan Tenaga Isteri-Isteri (BAKTI).Ini merupakan salah satu program yangdilaksanakan sebagai penghargaankepadawargaATMyangmelaksanakantugas operasi di dalamdan luar negaratermasuk keselamatan setiap pasukan,kemdanunitpadamusimperayaanHariRayaAidilfitri.
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CorporateHappenings
21SMENews
ProjectBRAIN
CorporateHappenings
22SMENews
The new SME Bank logo was officiallylaunched on 4th July 2013. In line with this
newcorporateidentity,ataskforcewassetuptoplanandproposefortheStrategicBrandingInitiatives. The purpose of these initiatives isto create clarity and alignment that ensuresour staff is moving in the same direction,deliveringonthepromisewhich is, ‘NewLookwith Renewed Commitment’. Thus, BRAINProjectwaslaunchedduringthe2ndQuarterlyAssemblyon14thApril2014.ThewordBRAINisderivedfromtheword‘BRAndINternalization’.Under theBRAINProject, theBankhasdrawnupanumberofinitiativesinordertoenhancethe brand values of Care, Empathy andSubjectMatter Expert (S.M.E). Initiatives tobeimplemented are leadership trainings, S.M.Ecommunication bulletins, SME Bank Bazaar,internalstaffactivitiesandcontests.
CorporateHappenings
23SMENews
The Malaysian pharmaceutical market isrelatively underdevelopedby international
standards. The market is based on a strongdomestic generic drugs sector and importsof branded and patented medicines.The Malaysian pharmaceutical market isdominated by the private sector (60%) andis vulnerable to macroeconomic factors.Pharmaceutical industry comprises of localcompaniesthatfocusontraditionalmedicine,vitamins,supplements,overthecounter(OTC)drugsandgenerics;andmultinationals(MNCs)for internationally tested and accepteddrugswhich havepatents valid for a certainnumberof years.Uponexpiryofpatents, thelocal companies are able to manufacturegenericsandmarketthematmoreaffordableprices. More than two-thirds of Malaysianpharmaceuticals still focus on traditionalmedicine.
IN MALAYSIA
Category of Pharmaceutical Products
Over-The-Counter (OTC)
Pharmaceutical Products
Traditional Medicines
Health and Food Supplement
Prescription
INDUSTRYPHARMACEUTICALOVERVIEW ON
Pharmaceutical spending in Malaysia onlyrepresented 0.67% of GDP in 2013; a lowachievementbasedonregionalstandardsandrepresented almost 16.4% of the healthcareexpenditure inMalaysia. The pharmaceuticalindustryhadgrownsteadilyby9.0%fromRM6.1billion in 2012 to RM6.6 billion in 2013 and isforecastedtopostaCAGR(compoundannualgrowthrate)of8.2%between2013and2018.
Picture courtesy of www.chemicalsinfomart.com
Basedontheexpandingeconomy,improvingmedicine regulations, healthcare provisionexpansion and modernization and relativepolitical stability, the combined sales ofprescriptiondrugsandOTCdrugswillincreasetoRM9.36billion in2017withaCAGRof9.1%.Malaysia’s pharmaceutical sales has beenrevised downwards due to a slowdown inpharmaceuticaltradein2013,slowereconomicgrowthin2014,andlongerexpectedreturnsintheinvestmentinthepharmaceuticalssector.The pharmaceutical sale in 2013 reachedRM6.6 billion and is expected to reach toRM7.17billionin2014;anincreaseof8.6%.Thisforecast is lowered due to the unfavourable2013trade.
ByNorhishamHamzah
IssuesofInterest
24SMENews
Pharmaceutical Market Forecast 2009-2023
0
5
10
15
20
‘09
4.35.0
5.56.1
6.6
7.58.3
8.9
9.7
10.5
11.3
12.213.2
14.2
15.4
‘11‘10 ‘12 ‘13 ‘14 ‘15 ‘16 ‘17 ‘18 ‘19 ‘20 ‘21 ‘22 ‘23
0.6 0.6 0.6 0.6 0.7 0.7 0.7 0.7 0.8 0.8 0.8 0.8 0.8 0.8 0.8
Pharmaceutical Sales, MYR bn
% of GDP
% of health expenditure
Thepharmaceutical industry inMalaysiawasestimated to have achieved export growthof 8% y-o-y in 2012, reaching RM610 million.The sector is forecasted to grow in exportsat CAGR of 5.0% through to 2018, reachingRM753 million by the end of the five-yearforecastperiod.Inlate2013,thegovernmentannounced its budget for 2014 - whichwould see a 14.5% increase in spending onhealthcare.Thegovernmenthadplannedtouse its RM264.2 billion healthcare budget in2014 to increase thenumberofnurses in thecountry, construct and upgrade hospitals,provide free treatment kits - presumablycontainingessentialdrugs-andsettingup50healthcareclinics.
-6000 -5000 -4000 -3000 -2000 -1000 0 1000 2000 3000 4000 5000 6000 7000 8000
6533.5
6048.2
5575.7
5141.3
4678.1
4113.8
3901.8
3426.7 Trade balance, MYRmn
Import, MYRmn
Export, MYRmn
2900.2
3066.6
757.9-5780.6
-5327.5
-4889.2
-4489.1
-4060.0
-3523.8
-3331.0
-2934.0
-2434.1
-2642.6
720.7
686.5
652.2
618.1
590.1
570.8
492.7
466.2
424.0
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Pharmaceutical Trade Balance 2009-2018
The pharmaceutical industry had grown steadily by 9.0% from RM6.1 billion in 2012 to RM6.6 billion in 2013 and is forecasted to post a CAGR (compound annual growth rate) of 8.2% between 2013 and 2018
IssuesofInterest
25SMENews
Likemost countries, Malaysia has a negativepharmaceuticaltradebalancedespitestrongincreases in export values and volumes.According to UN Comtrade, the leadingcountries of origin in 2010 included Australia(RM306.5mn),Switzerland(RM265.4mn),France(RM262.3mn),Germany (RM265.4mn)and theUS(RM224.4mn). In thesameyear,Malaysia’skey export destination was Singapore, whichreceived RM94.8mn worth of Malaysianpharmaceuticals,or36%oftotalexports.
Structure in Pharmaceutical Industry
Pharmaceutical ManufacturingAccording to thePharmaceuticalAssociationof Malaysia (PhAMA), only 13% of themultinationals operating in Malaysia set uplocalmanufacturingoperations,whileafurther7% have manufacturing arrangements withlocalcompanies.Thisindicatesthatsome80%ofmultinationalsareconstrainedtotheimportand marketing of life-saving drugs. The localcompanies are involved in the entire valuechainfromR&Dtothemarketingandsalesoftherapeutic products, regulatory and otherfactors.
Pharmaceutical Manafacturing
74 manufacturers for prescriptive and OTC drugs
176 manufacturers for traditional and supplement
250 local GMP-compliant manufacturers and 205 licensed traditional manufacturers
Pharmaceutical Distribution
Souce: Pharmaceutical Association of Malaysia (PhAMA)
Pharmacies30%
Clinics26%
Publics Hospitals19%
Private Hospitals14%
Others11%
Pharmaceutical DistributionAs at 2010, there were 1,035 licensedwholesalers; 860 pharmacies and over 4,000traditional medicine shops. The bill publishedin January 2013 proposing the separationof prescription from dispensation of drugs(currentlydoctors takeonboth role) showsaverypositivedevelopment inpharmaceuticalindustry.Additionalpublicdistributionchannelis anticipated through the 1Care centresprogramme.
IssuesofInterest
26SMENews
INDUSTRY TREND IN
PHARMACEUTICALPharmaceuticals in NKEAs
TheNKEA in healthcare industry as awholewould generate revenue of RM17.1 billion,
gross national income of RM11.4 billion and86,000newjobsbyyear2020withspecialfocuson pharmaceutical projects under EPP3. ThisEPP (entrypointproject) isaimedatboostingdomestic drug manufacturing through theproductionofgenericversionsofdrugtargetedtogeneraterevenueofRM610million,shortfallsby3%duetoexternaldemands.ThetrendsofpharmaceuticalMNCsistooutsourceselectedvaluechains to reduce thecostandhigh riskderived from the time-intensive and costlyprocess of research and development forproducinganewdrug.
The government’s plans as part of the NKEAprogrammewillhelptoreducetherelianceonimports.ThegovernmentprovidedRM96millionfrom2010to2012toconstructmanufacturingfacilities for the production of generic drugs.The latestbatchof investment,announced inJuly 2013,would seeRM388.1million spent toboost the manufacturing capabilities of fivefirms.
The NKEA in healthcare industry as a whole
would generate revenue of RM17.1 billion, gross
national income of RM11.4 billion and 86,000 new jobs by year 2020 with special focus on pharmaceutical
projects under EPP3
Under Phase II (2010-2015) of its NationalBiotechnology Policy, the governmentemphasizesonbiotechbusinessaspects suchasdrugdiscovery,newproductdevelopment,technologyacquisitionandlicensingthathaveattracted RM12.72 billion in biotechnologyinvestment in 2011 and 2012, exceeding thegovernment’sRM9billiontargetforPhaseIIofthepolicy.
ByNorhishamHamzah
Opportunities in Pharmaceutical IndustryKey drivers for expansion in pharmaceuticalindustryinMalaysiaincludes:
1. The growing reputation of Malaysianpharmaceuticals
2. The encouragement of the generic andspecialistsegments
3. The rising demand for and supply of halalmedicines
IssuesofInterest
27SMENews
In October 2012, the releaseof MS2424:2012 HalalPharmaceuticals – GeneralGuidelines for basic requirementinhalalprovidesopportunitiesforlocal manufacturers to cater forthe demand for halal-certifiedpharmaceuticalproducts.
Over20%oftheworld’spopulationareMuslimandcurrentlyaccountfor a halal pharmaceuticalmarket of more than RM1,962billion.
Russia, China and India haveexpressed interest in tappinginto Malaysia’s expertise in halalmedicine certification in orderto strengthen their own exportcapabilities.
In January 2013, CCMPharmaceuticalBerhadwasfirsttoreceive halal certification for 200OTC products, followed by UphaPharmaceuticalMfg (M) Sdn BhdandDuoPharma(M)SdnBhd.
IIII
IIIV
4. New government guidelines in line withinternationalstandards.
5. The harmonizationof procedureswithin theASEAN region, with alignment providingbetter market access for multinationalslooking to establish or expand operationsinan increasingly lucrative regionalmarket.The recent strengthening of regionalcooperationandcollaborationwithrespecttosignificanthealthcareareassuggeststhatthe harmonization initiative is developingsuccessfully and Malaysia’s Drug ControlAuthority continues topush forASEAN-widedrugstandards.
Key Projects in EPP3 with recorded RM1.09bn in investments
EPP ProjectName
Companies GNImillion
Investmentmillion
3 OrphanDrug AFT 47.9 0
3 Vaccines AJPharma 114.9 91.9
3 Servierkontra-collaboration
Servier 39.4 0
3 MDI CCM(Cipla) 26.1 52
3 MDI KontraPharma 18.8 9.75
3 MDI ImpianEksekutifSdn.Bhd.
41.7 58
3 MDI Biocare(3M) 46.9 75.9
IssuesofInterest
28SMENews
Key Development in Pharmaceutical IndustryThe increasing domestic demand formedicines that the local manufacturingindustry is unable to meet will stimulate thegrowth of pharmaceutical imports over thenext five years. With the focus of NKEA toestablish manufacturing facilities, several keydevelopments in pharmaceutical industryhavetakenplace:
PharmaceuticalManufacturing
PharmaceuticalDistribution
RanbaxyMalaysia:SecondmanufacturingfacilityreceivedapprovalinSeptember2012
DKSHHoldingsMalaysia:anew130,000squarefeethealthcaredistributioncentreontheHicomIndustrialEstatetoexpandthepresenceofitshealthcarearm
India’sAgliaBiotech-signedanagreementwithBio-XcelltoestablishabiotechfacilityinMarch2013
BPHealthcare:toincrease30newoutletsofLovyPharmacies
JointventurebetweenMalaysiaBiotechnologyCorporation,DRB-HICOMandMelakaBiotechCorporationtodeveloppharmaceuticalsparkinMelakavaluedatRM500mn
Potential opportunities for SMEs in pharmaceutical manufacturing cover areas:• Contractresearch(privatearmsofresearch
universities)
• Clinicaltrials
• Contractmanufacturingi.e.supplyofactivepharmaceuticalingredients(API),bulkdrug
• Manufacturing, manufacturing offormulations
• Manufacturingandsupplyofpackagingandcapsulesandintermediaries
Industry Risk:• Trans-Pacific Partnership Agreement (TPPA)
– Thegovernment’sdecision tonot supportthe TPPA may deter investment by MNCsespecially on the patent protection in thecountry.ThemarketisestimatedtobeworthRM13.9billionin2023withaCAGRof7.7%forthenext10-yearforecastperiod.
• TheprospectofpharmacistschargingaRM5consultation fee may deter patients fromusingthepharmacyandoptingforcheapersourcesoftreatment–counterfeitdrugs.
• Heavy reliance on imported generic andpatented drugs, representing 75% of thepharmaceuticalmarkets.
• Locally manufactured pharmaceuticalproducts such as over-the-counter drugs(OTC),traditionalmedicines,andhealthandfood supplements are mainly focused ondomesticmarket.
IssuesofInterest
29SMENews
Petua PenyediaanRANCANGAN PERNIAGAAN
UNTUKPERMOHONANPEMBIAYAANPKSOlehAbdulAzizAbdulSamad&ZainiJasami@Jasmi
Mungkin ramai yang ingin memohonpembiayaan perniagaan merasakan sukaruntukmenulisRancanganPerniagaanlebih-lebih bagi yang belumpernahmemulakanperniagaan mahupun memerlukanpembiayaan untuk meneruskan hasratmereka.Justeruitu,meyakinkanpihakinstitusikewangan agar meluluskan pembiayaanuntukperniagaanmerekamungkin sesuatuyangmembebankan.
Maklumat & Dokumen Sokongan Adalah Penting
Maklumat yang diberikan dalam RancanganPerniagaan perlulah dapat difahami,
mencukupidan,tidaksemestinyaterlalupanjangatauditulis dalam bahasa berbunga demi meyakinkaninstitusikewanganagarmemberikanpembiayaan.Begitu juga dokumen-dokumen mestilah lengkapdan dapat menyokong Rancangan Perniagaantersebut.Iniakanmembantumemudahkaninstitusikewanganmembuat keputusan terhadap sesuatupermohonanpembiayaantersebut.
Beberapa Petua Penting
Berikut adalah beberapa petua yang bolehmembantu para usahawan menyediakan
RancanganPerniagaanmereka:
1) Gunakanperkataan yangmudah, sesuai, betul,tepatdanjelas;sebaiknyaelakkanpenggunaanperkataandalambahasapasar,bercorakmesejSMS, berbunga-bunga mahupun terminologiteknikal(tanpapeneranganmudah).
2) Gunakan ayat yang mudah (satu ayatmembawa satu maksud) dan merujuk teruskepada fakta; elakkandaripadamenggunakanayatyangmerumitkanatausukardifahamiatauterlalu berbunga atau bertentangan denganpeneranganasal.
3) Nyatakanfaktadalambentukjadual,rajah,graf,carta, lampiran dan sebagainya; elakkan teksyangterlalupanjang.
4) Gunakan satu jenis bahasa sahaja; sama adaBahasaMelayuatauBahasaInggeris.
Penulisan dalam Rancangan Perniagaan, sepertiyangdisebutkantadi,tidakmemerlukansebuahkaryayangpanjang.Yangpalingpentingiamenerangkandengan jelas tentang sesebuah perniagaantersebut yang meliputi model perniagaan, modusoperandiperniagaandansebagainyasecaralogik,berasas dan berkesinambungan antara setiapaspek perniagaan. Sebagai contoh, anda inginmengeluarkan 10,000 unit produk sebulan untukdipasarkan tetapi kapasiti maksimum mesin andahanyamampumengeluarkan100unitproduksehari.Sudah tentu pernyataan anda tersasar dari logik
Konsep Asas Pembiayaan
Sememangnya Rancangan Perniagaan perludihantar bersama-sama dengan Borang
Permohonan dan dokumen-dokumen sokongansepertiSijilPendaftaranSyarikat, sebuthargamesinperalatan,penyatabankdansebagainya.Secaraumumnya,RancanganPerniagaandiperlukanolehpihak institusi kewangan bagi membuat penilaianterhadappermohonanpembiayaantersebutsamaada'viable'dan'bankable'atausebaliknya.
Institusi kewangan akan menilai risiko terhadapsesuatu perniagaan yang bakal diberikanpembiayaan. Namun demikian, setiap institusikewangan mempunyai 'risk appetite' ataukesanggupan menanggung risiko yang berbeza.Pada kebiasaannya, institusi kewanganpembangunan seperti SME Bank mempunyai'risk appetite' yang lebih tinggi daripada institusikewangan komersil disebabkan, mandat yangperlu dilaksanakan untuk mewujudkan danmembangunkan usahawan. Secara umumnya,adalah penting bagi institusi kewangan untukmemastikan para pelangganmerekamempunyaiperniagaanberdayamajuyang:
1) Mempunyaikemampuanuntukmembayarbalikpembiayaanyangdiberikan,dan
2) Mempunyai keinginan untuk membuatpembayaranbaliktersebut.
Institusi kewangan mempunyai pelbagai kaedahuntuk menilai sesuatu permohonan pembiayaan.Bagi pembiayaan perniagaan, lazimnya empataspek utama perniagaan–operasi, kewangan,pengurusandanpemasaran –akandianalisadandinilaiagarmemenuhikriteria-kriteriadiatas.
CEDAR(CentreforEntrepreneurDevelopmentandResearch)
30SMENews
lantaranadalahmustahiluntukmenghasilkan10,000unitproduksebulan.Mungkinkapasitipengeluarandi aspek operasi perlu disesuaikan (synchronised)dengansasarandalamaspekpasaran.
Berikut pula adalah beberapa petua perniagaanyangperludiberikanperhatiankhusus:
Aspek Pasaran:
i. Bagi perniagaan yang mempunyai pasaranterbuka seperti kedai runcit, restoran dansebagainya adalah penting untuk membuatkajian pasaran bagi menentukan kawasanpasaran, pelanggan sasaran, saiz pasaran dananggaran pendapatan. Bagi mendapatkanpopulasipenduduk,maklumat inibolehdidapatimelalui laman web Jabatan PerangkaanMalaysia.
ii. Apabila membuat anggaran pasaran, pasaransasaran atau pelanggan sasaran andahendaklahjelas.Sebagaicontoh,sekiranyaandamenulis pasaran anda sebagai ‘sekolah-sekolahdiMalaysia’, sila senaraikan sekolahmanayangdirujuk atau sekolah mana aktiviti pemasarantelahdibuatdengananggaranjualanyangbakaldiperolehi.
Aspek Operasi:
i. Bagi yang belum memulakan perniagaanatau yang ingin mendapatkan lokasi baruatau menambah 'outlet', menamakan lokasiperniagaan yang disasarkan sebagai lokasidikenalpastiiaitumaklumatlokasidankadarsewadiketahui,tetapibelummembayardepositsewaataumenandatanganiPerjanjianSewaanadalahlebih selamat. Ini mengelakkan anda daripadaterperangkapmembayarsewapremissementaramenunggupembiayaandiperolehi.
ii. Buat pengubahsuaian yang selari dengankeperluan dan jenis perniagaan anda padahargayangberpatutan.
iii. Buat pemilihan mesin dan peralatan denganmerujukkepadabeberapapembekalagarandamemperolehi yang sesuai dengan keperluananda. Pemilihan bukan hanyapada harga tapimengikutkeperluanperniagaananda.
Aspek Pengurusan:
i. Pastikan bahawa pengurusan atau kakitanganyang penting sebagai kunci utama perniagaantelah diperolehi dan dimasukkan dalam cartaorganisasi beserta biodata. Sebagai contoh,sekiranyaandainginmembukasebuahrestoran,tukangmasakadalahkunciutamaperniagaan.
Aspek Kewangan:
i. Pastikan apabila memberikan angka-angkaandaian untuk unjuran kewangan (forecast),ianyaadalahberdasarkanfaktayangjelassepertidarisebuthargaataurujukanyangsahih.
ii. Pastikan angka-angka andaian anda adalahlogik dan realistik. Anda boleh buat rujukandenganusahawanyangmenceburiperniagaanatau pakar dalam sesuatu industri agar andadapat membandingkan angka-angka andaianandadengankebiasaanindustri(industry norm).
Ini adalah beberapapetua yangmungkin sedikit-sebanyak dapat membantu memantapkanpenulisan anda dalam Rancangan Perniagaan.Mereka yang berminat boleh juga merujukkepada para pegawai bank untuk memastikanyangmaklumatbersertadokumen-dokumenyangdiperlukanlengkapdansempurna.
Kesimpulan
Penyediaan Rancangan Perniagaan adalahtidaklah begitu sukar. Mungkin penulisan
Rancangan Perniagaan sepanjang 15 hingga 20halamansudahmemadaisekiranyadiolahdenganbaik.Mungkin juga terdapat sedikit cabaran bagimendapatkan dokumen-dokumen sokonganseperti sebutharga daripada pembekal mesin,permit, penyata akaun beraudit dan sebagainya.Yangpalingpentingadalahpemohonmemahamidan menghayati perniagaan yang diceburi sertasentiasa merujuk kepada keperluan perniagaan(business requirement) yang rasional sebagai asasdantidakberlebih-lebihan.
Pihak kamiadamenyediakankursusdanprogramlatihan yang memberikan penerangan dantunjuk ajar dari segi format dan isi kandungandalam penyediaan Rancangan Perniagaan untukpembiayaan. Sila hubungi kami untuk mendaftarbagikursusatauprogramtersebut.
CEDAR(CentreforEntrepreneurDevelopmentandResearch)
31SMENews
Biz-TalkSME
MOU between CEDAR & SEEDCEDAR signed a Memorandum of Understandingwith the Secretariat for the Empowerment ofIndian Entrepreneurs (SEED) on 4 September 2014.Following the collaboration, CEDAR will run aseries of training programmes for budding Indianentrepreneurs chosen by SEED. The participantswill go through CEDAR’s signature trainingmodules knownas LEAP (Leaders EntrepreneurshipAcceleration Programme). Upon completing theprogramme, participants are eligible to apply forsuitablefinancingfromSMEBank.
SEED has disbursed a total of RM347.32 million inloans to 9,318 Malaysian Indian entrepreneurssinceAugust 2012. About RM131million or 40 percent of the loans were disbursed to 9,067 Indianentrepreneurs through a special loan under theNationalEntrepreneurGroupEconomicFund(TekunNasional).Theremainingwasprovidedbyfinancialinstitutions to those in the Small and MediumEnterprise(SME)sector.
CEDAR’s annual SME Biz-Talk 2014 has againproven tobeahitamong the localentrepreneurscommunity judgingfromtheoverwhelmingturnoutduring the nationwide road shows. A free half-day talk was held at 11 different venues namelyKuching,Miri,KotaKinabalu, Tawau,Melaka,ShahAlam, Kuala Terengganu, Penang, Kuala Lumpur,Kuantanand Johor Bharu inApril toMay 2014. Atotalof1,234attendedtheSMEBiz-Talkprogramme.
Organized alongside the SME Bank and CEDAR’sOpenDay, focus of the SME Biz-Talkwas to unveilkeybusinessindustries,opportunitiesandchallengesacrosssixkeyeconomicsectors,namelyWholesaleand Retail; TourismandHospitality; Education;Oil,GasandEnergy;HealthcareandGreenTechnology.
MOU signing ceremony between CEDAR-SEED »
CEDAR(CentreforEntrepreneurDevelopmentandResearch)
32SMENews
9 Oct | SabahPromenade Kota Kinabalu Hotel
11 Sept | MelakaAvillion Legacy Hotel
30 Sept | KedahTH Hotel Alor Setar
SME Bank organized a series ofengagement activities with the
objective of building and strengtheningthe relationship between the Bank and itscustomers. The management engagementsession saw the Management Teammeetingselected customers to further discussexpandingthebusinessrelationship.Atotalof255customersparticipatedintheprogramme.
Reaching out to our
clients
8 Oct | SarawakPark City Everly Hotel Bintulu
ProgramOutreach Usahawan SME Bank SMEBank telah menganjurkan Program
OutreachUsahawanyangdiadakandi Kinta Riverfront Hotel, Ipoh Perak dan HotelParkcity Everly, Bintulu Sarawak. Tujuan utamaprograminidiadakanadalahbagimewujudkankesedaran masyarakat tempatan khususnyausahawan Perusahaan Kecil dan Sederhana(PKS) tentang kemudahan–kemudahan yangdisediakanolehSMEBanksepertiDanaUsahawanMuda,DanaPembiayaanBumiputeradanDanaPembangunan Halal serta kemudahan bukankewangan seperti latihan keusahawanan dankompleks premis usahawan. ProgramOutreachtelahdihadirioleh67usahawan.
EnterpriseTrails
33SMENews
Kajang Enterprise Centre
SME Bank Customers Open Day
Kuala Lumpur Enterprise Centre
Shah Alam Enterprise Centre
EnterpriseCentre DateKangarEnterpriseCentre 3-Sep-14
AlorSetarEnterpriseCentre 4-Sep-14SeberangJayaEnterpriseCentre 5-Sep-14
KuantanEnterpriseCentre 8-Sep-14KualaTerengganuEnterpriseCentre 9-Sep-14
KotaBharuEnterpriseCentre 10-Sep-14IpohEnterpriseCentre 12-Sep-14
KajangEnterpriseCentre 18-Sep-14TawauEnterpriseCentre 22-Sep-14
KotaKinabaluEnterpriseCentre 23-Sep-14MiriEnterpriseCentre 24-Sep-14
KuchingEnterpriseCentre 25-Sep-14JohorBahruEnterpriseCentre 28-Sep-14BatuPahatEnterpriseCentre 29-Sep-14
MelakaEnterpriseCentre 30-Sep-14SerembanEnterpriseCentre 1-Oct-14
KualaLumpurEnterpriseCentre2-Oct-14
SentralEnterpriseCentreShahAlamEnterpriseCentre 3-Oct-14
As for theCustomersOpenDay, itwas held at 19Enterprise Centres. The Customers Open Day
providedtheopportunityforthegeneralpublictobeexposedtotheBank’sproductsandservices.
In addition to this, customers had the opportunity tounderstandwhatGSTisallaboutthroughtheGSTtalksession.TheCustomersOpenDayattractedatotalof3102customers.
EnterpriseTrails
34SMENews
Gading Kencana Sdn Bhd is a renewableenergyservicescompanyfoundedin1998byelectronics engineering graduate Dato' IrMuhammadGuntorMansorTobengandDatinHasnahAwang.Thecompanystartedoutsmall,trading in solar garden lights and solar streetlighting.Intheearlydaysofthecompany,theysoldinsmallcashandcarryquantities,marketedmainly through newspaper advertising. Thecompanybegantoreachbiggerclientswhenthey participated in exhibitions organised byMAHA, MARA and the Ministry of Rural andRegionalDevelopment.
The company found the solar energy sectorto be a promising field in Malaysia, in factthey believe that the nation can be a hubfor solar energy production in Asia. It has aviable infrastructure in place to achieve this,particularlyaholisticvaluechainwhereeverycomponent that makes up a solar energyproductcanbe foundmanufactured locally.TheGovernment’srenewableenergyinitiativesprovide further impetus for the players in theindustrytoshine.
AnothermajorcontributingfactorthatallowedGading Kencana Sdn Bhd to develop into amajor player in the industry was the supportof SME Bank. SME Bankwas the first financialinstitutiontogivethemrealassistance.Throughthe Bank’s Tabung Usahawan Siswazah thecompany receivedan injectionofRM100,000– the extra working capital allowed them toincrease their distribution channels, and as adirectresultoftheirbiggeroperatingcapacity,theywereabletocloseasaleofRM3million.Thecompany tookadvantageof SMEBank’smanyprofessionalcourseswhichhelpedthemtomanagetheirfinanceandaccountsbetter.Asbusinessexpanded,SMEBankagaincamein, this time providing a RM500,000 loan. TheincreasedworkingcapitalraisedtheirturnoverfromRM3milliontoRM10million.
Today, the company is a major player inMalaysia’s solar energy market. They areinvolved in an 8-megawatt solar farm inMalacca. Projek Suriaku is a project to helpthe nation’s lower income group generateextra income. They have also been breakingintotheglobalmarket,withpresenceinDubai,UAE,Qatar,Yemen,SaudiArabia,OmanandalsobreakingintoJapan,Indonesia,Germany,Algeria, Indiaand thePhillipines. Recognisingthatawell-trainedandcommittedworkforceisessential,thecompanysendstheirengineersfortraininginGermany,India,Korea,Thailandand Australia. Success-based reward policiesengends loyalty and diligence. They are theonlyenergyservicecompanyinthenationtobeawardedISO9000certification.Recognitionofsuccessisevidentfromthecompany’smanyawards,themostrecentbeingtheprestigiousMalaysian SME Enterprise 50 award and the2013Frost&SullivanEntrepreneurialCompanyof the Year awards.With favourable growthconditions,andwiththesupportof institutionssuchas SMEBank,GadingKencana SdnBhdlooks set to be a rising star in the region’srenewableenergysector.
Gading Kencana Sdn Bhd
CustomerSuccessStory
35SMENews
