comparative table on pembiayaan mikro product features
comparative table on pembiayaan mikro product features
comparative table on pembiayaan mikro product features
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Updated as at 28 February 2014<br />
COMPARATIVE TABLE ON PEMBIAYAAN MIKRO PRODUCT FEATURES<br />
FEATURES AGROBANK BANK RAKYAT<br />
Public Hotline<br />
Numbers<br />
• HQ<br />
03-<br />
27311600<br />
ext: 2036/<br />
2041/ 2035/<br />
2034/ 2062/<br />
2042<br />
• Kuala<br />
Lumpur<br />
03-2691<br />
2754<br />
• Shah Alam<br />
03-5519<br />
8250<br />
• Melaka<br />
06-2811495<br />
• Seremban<br />
06-7639 541<br />
• Butterworth<br />
04-3314 539<br />
• Johor Bahru<br />
07-2344 761<br />
• Ipoh<br />
05-2548742<br />
• Alor Star<br />
04-7332545<br />
• Kuala<br />
Terengganu<br />
09-6222044<br />
• Kota<br />
Bharu<br />
09-7481211<br />
• Kuantan<br />
09-5158164<br />
• Kota<br />
Kinabalu<br />
088-288288<br />
• Kuching<br />
082-410126<br />
Product<br />
Name<br />
• Modal Usahawan 1<br />
Malaysia-i (MUS1M-i)<br />
(Islamic C<strong>on</strong>cept)<br />
• Kuala<br />
Lumpur<br />
03-40272500<br />
Direct line:<br />
03-4027 2536 /<br />
08 / 10 / 11 /<br />
12<br />
• Kota Kinabalu<br />
088-487613 /<br />
14 / 15 / 17<br />
• Kuching<br />
082-237159 /<br />
177<br />
• Skim<br />
Pembiayaan<br />
Mikro-i<br />
(*MUsK)<br />
(MUsK - Modal<br />
untuk<br />
Usahawan<br />
Kecil)<br />
Loan Size • RM1,000 – RM50,000 • RM1,000 -<br />
RM50,000<br />
Purpose of<br />
financing<br />
• Working capital<br />
• Capital expenditure<br />
• Working capital<br />
• Capital<br />
expenditure<br />
BANK SIMPANAN<br />
NASIONAL<br />
• Kuala<br />
Lumpur<br />
03-2162<br />
222<br />
ext. 7303 /<br />
7307 / 7308<br />
/ 7309<br />
• Saba<br />
h<br />
088-215<br />
600<br />
ext. 700 /<br />
701/703<br />
• Sara<br />
wak<br />
082-<br />
244749 /<br />
082-<br />
417815<br />
• Keda<br />
h<br />
04-<br />
7740461 /<br />
04-<br />
7440412<br />
• Kelantan<br />
09-<br />
7480824<br />
• Selangor<br />
03-<br />
55103357<br />
• BSN TemaNiaga<br />
• BSN TemanMesra<br />
• BSN TemaNiaga-i<br />
• Johor<br />
07-2234718<br />
• Pahang<br />
09-514<br />
6264 /09-<br />
5165072<br />
• Terengganu<br />
09-6318184<br />
• Melaka<br />
06-2831612<br />
• Penang<br />
04-2226400<br />
• Perak<br />
05-2452200<br />
ext. 2322-<br />
2327<br />
• Negeri<br />
Sembilan<br />
06-7612266<br />
ALLIANCE<br />
BANK<br />
• Selangor<br />
03-55169988<br />
• Cash<br />
Vantage<br />
Pers<strong>on</strong>al<br />
Financing-i<br />
(Islamic)<br />
• Cash First<br />
Pers<strong>on</strong>al Loan<br />
(C<strong>on</strong>venti<strong>on</strong>al)<br />
• RM5,000 – RM50,000 • RM5,000 –<br />
RM50,000<br />
• Working capital<br />
• Capital expenditure<br />
• Working capital<br />
• Capital<br />
expenditure<br />
AMBANK<br />
• 1 300-80-<br />
8888<br />
• AmMikro<br />
Plus<br />
• RM5,000 -<br />
RM50,000<br />
• Working capital<br />
• Capital<br />
expenditure<br />
CIMB BANK<br />
• 1-300-<br />
880 900<br />
• Xpress<br />
Cash<br />
Financing-i<br />
(Islamic)<br />
• RM3,000 –<br />
RM50,000<br />
• Working<br />
capital<br />
• Capital<br />
BANK<br />
MUAMALAT<br />
• 1-300-88-8787<br />
• SKIM MIKRO<br />
• Skim Micro<br />
Bazar Tok<br />
Guru<br />
• RM5,000 –<br />
RM50,00<br />
• Working capital<br />
• Capital<br />
expenditure<br />
Disclaimer: Comparative <str<strong>on</strong>g>table</str<strong>on</strong>g> displayed here serves <strong>on</strong>ly as a guide, not recommendati<strong>on</strong>. Please c<strong>on</strong>sult the financial instituti<strong>on</strong>s before making any decisi<strong>on</strong>s.<br />
MAYBANK<br />
• Customer Service<br />
(24 hours):<br />
1-300-88-6688<br />
• Maybank<br />
Mikro<br />
(C<strong>on</strong>venti<strong>on</strong>al &<br />
Islamic)<br />
• Maybank<br />
Microfinance<br />
(C<strong>on</strong>venti<strong>on</strong>al)<br />
• SME Micro<br />
Financing<br />
(C<strong>on</strong>venti<strong>on</strong>al)<br />
Maybank Mikro<br />
• RM3,000 –<br />
RM50,000<br />
Maybank<br />
Microfinance<br />
• RM1,000 –<br />
RM10,000<br />
SME Micro<br />
Financing<br />
• RM20,000 –<br />
RM50,000<br />
Maybank Mikro &<br />
SME Micro<br />
Financing<br />
PUBLIC BANK<br />
• 1-800-22-9999<br />
• PBMicro Finance<br />
• RM3,000 –<br />
RM50,000<br />
• Working capital<br />
• Capital<br />
expenditure<br />
UNITED<br />
OVERSEAS<br />
BANK<br />
•03-27832369<br />
• Easi Cash<br />
• RM5,000 –<br />
RM50,000<br />
• Working<br />
capital
Updated as at 28 February 2014<br />
COMPARATIVE TABLE ON PEMBIAYAAN MIKRO PRODUCT FEATURES<br />
FEATURES AGROBANK BANK RAKYAT<br />
BANK SIMPANAN<br />
NASIONAL<br />
ALLIANCE<br />
BANK<br />
AMBANK<br />
CIMB BANK<br />
expenditure<br />
BANK<br />
MUAMALAT<br />
MAYBANK<br />
• Working capital<br />
• Capital<br />
expenditure<br />
Maybank<br />
Microfinance<br />
• Working Capital<br />
• Asset<br />
acquisiti<strong>on</strong><br />
PUBLIC BANK<br />
UNITED<br />
OVERSEAS<br />
BANK<br />
• Capital<br />
expenditure<br />
Eligible<br />
Ec<strong>on</strong>omic<br />
Sector<br />
Eligible<br />
Customers<br />
• Agro-based Industries and<br />
related services and<br />
manufacturing activities<br />
• Micro enterprises<br />
• Individuals<br />
• Agriculture<br />
• Services<br />
• Retailing &<br />
trade<br />
• Manufacturing<br />
• Members of<br />
cooperatives<br />
and Hawkers<br />
and Petty<br />
Traders<br />
Associati<strong>on</strong><br />
• Full-time Micro<br />
enterprises<br />
• Micro<br />
enterprises<br />
Tenure • 3 m<strong>on</strong>ths – 5 years • 1 m<strong>on</strong>th - 5<br />
years<br />
Committed<br />
Approval time<br />
• 6 working days<br />
(from submissi<strong>on</strong> of full<br />
documentati<strong>on</strong>)<br />
• 10 working<br />
days<br />
• Manufacturing<br />
• Retailing/wholesale<br />
• Services<br />
• Self-employed individuals<br />
• Micro enterprises<br />
• All sectors<br />
• Self-employed<br />
individuals<br />
• Retail<br />
• Services &<br />
trade<br />
• Manufacturing<br />
• Individuals<br />
• Soleproprietors<br />
• Partnerships<br />
• Private limited<br />
companies<br />
• All sectors • All sectors Maybank Mikro &<br />
Maybank<br />
Microfinance<br />
• All sectors<br />
• Salaried<br />
workers<br />
• Self<br />
employed<br />
individuals<br />
(Micro<br />
enterprises)<br />
• 1 – 5 years • 12 – 84 m<strong>on</strong>ths • 1 – 5 years • 6 m<strong>on</strong>ths –<br />
5 years<br />
• 6 working days<br />
(subject to complete<br />
documentati<strong>on</strong>)<br />
• 5 working<br />
days<br />
• 2 working<br />
days<br />
(subject to<br />
complete<br />
documentati<strong>on</strong>)<br />
• Individuals<br />
• Soleproprietors<br />
• Partnerships<br />
• 3 m<strong>on</strong>ths – 7<br />
years<br />
• 1 working<br />
day<br />
• 6 working<br />
days<br />
(from<br />
submissi<strong>on</strong> of<br />
full<br />
documentati<strong>on</strong>)<br />
SME Micro<br />
Financing<br />
• Primary<br />
Agriculture<br />
• Services sector<br />
(ICT), Mining,<br />
Quarrying &<br />
C<strong>on</strong>structi<strong>on</strong><br />
• Manufacturing<br />
(including Agrobased<br />
&<br />
manufacturing<br />
related services)<br />
Maybank Mikro<br />
• Self-employed /<br />
Individuals<br />
Maybank<br />
Microfinance<br />
• Group-5<br />
members per<br />
group<br />
SME Micro<br />
Financing<br />
• Microenterprises<br />
Maybank Mikro &<br />
SME Micro<br />
Financing<br />
• 1 – 5 years<br />
Maybank<br />
Microfinance<br />
• 1 – 2<br />
years<br />
• 2 – 6<br />
working days<br />
(subject to<br />
complete<br />
documentati<strong>on</strong>)<br />
• Agriculture<br />
• Services & trade<br />
• Manufacturing<br />
• Self-employed<br />
individuals<br />
• Micro enterprises<br />
• 1 – 5 years<br />
• 6 working days<br />
• All sectors<br />
• Selfemployed<br />
individuals<br />
• 2 – 5 years<br />
• 2 working<br />
days<br />
(up<strong>on</strong> receipt<br />
of complete<br />
documentatio<br />
n)<br />
Eligibility<br />
Criteria<br />
• Age between 21 – 60 years old<br />
<strong>on</strong> the date of applicati<strong>on</strong><br />
• At least with 1 year business /<br />
project experience<br />
• Age between<br />
18 - 65 years<br />
old<br />
• Cooperative /<br />
• Age between 21 - 60 years<br />
old<br />
• Have valid business license /<br />
permit / registrati<strong>on</strong><br />
• Minimum 2<br />
years in<br />
business<br />
• Has valid<br />
• Individuals<br />
aged between<br />
18 – 60 years<br />
old (age limit at<br />
• Age<br />
between 21<br />
– 60 years<br />
old<br />
• Individual<br />
s aged<br />
between 18 -<br />
Maybank Mikro<br />
• Malaysian<br />
citizen<br />
• Age between 21<br />
Individuals<br />
• Aged between 25<br />
– 60 years old<br />
• Have valid<br />
• Age between<br />
21 – 55 years<br />
old<br />
Disclaimer: Comparative <str<strong>on</strong>g>table</str<strong>on</strong>g> displayed here serves <strong>on</strong>ly as a guide, not recommendati<strong>on</strong>. Please c<strong>on</strong>sult the financial instituti<strong>on</strong>s before making any decisi<strong>on</strong>s.
Updated as at 28 February 2014<br />
COMPARATIVE TABLE ON PEMBIAYAAN MIKRO PRODUCT FEATURES<br />
FEATURES AGROBANK BANK RAKYAT<br />
BANK SIMPANAN<br />
NASIONAL<br />
ALLIANCE<br />
BANK<br />
AMBANK<br />
CIMB BANK<br />
BANK<br />
MUAMALAT<br />
MAYBANK<br />
PUBLIC BANK<br />
UNITED<br />
OVERSEAS<br />
BANK<br />
Self-employed<br />
• Have valid business license /<br />
permit / registrati<strong>on</strong><br />
• Place of residence close to<br />
business / project site<br />
Hawkers and<br />
Petty Traders<br />
Associati<strong>on</strong>s<br />
member<br />
• Bel<strong>on</strong>gs to a<br />
self-help group<br />
• Full-time owner<br />
operating a<br />
business<br />
• At least with 2<br />
years business<br />
experience<br />
• Place of<br />
residence is<br />
within the<br />
business<br />
vicinity<br />
• Have valid<br />
business<br />
license / permit<br />
/ registrati<strong>on</strong><br />
• Have been in business<br />
c<strong>on</strong>tinuously for at least 6<br />
m<strong>on</strong>ths<br />
• Applicant operates the<br />
business <strong>on</strong> full-time basis<br />
• 1-3% rebate <strong>on</strong> interest for<br />
customers with prompt<br />
payment c<strong>on</strong>duct (subject to<br />
banks discreti<strong>on</strong>)<br />
business<br />
registrati<strong>on</strong><br />
• Age between<br />
21 – 60<br />
maturity date)<br />
• Individuals /<br />
sole proprietors<br />
/ partnerships /<br />
private limited<br />
companies<br />
• At least<br />
with 3 years of<br />
business<br />
experience<br />
• Has valid<br />
business<br />
registrati<strong>on</strong><br />
• Minimum of<br />
RM800<br />
m<strong>on</strong>thly<br />
gross<br />
income<br />
• 6 m<strong>on</strong>ths<br />
working / 6<br />
m<strong>on</strong>ths in<br />
business<br />
65 years old<br />
• Have valid<br />
business<br />
license / permit<br />
/ registrati<strong>on</strong><br />
• Government<br />
Pensi<strong>on</strong>er<br />
• Army Wife<br />
• FELCRA<br />
Settler<br />
• Traders of<br />
Bazar Tok<br />
Guru<br />
– 60 years<br />
• Valid business<br />
license / permit<br />
under individual<br />
name<br />
• 2 years<br />
experience<br />
Maybank<br />
Microfinance<br />
• Malaysian<br />
citizen<br />
• Age between 21<br />
– 65 years<br />
(up<strong>on</strong> maturity)<br />
• Household<br />
income below<br />
RM 24,000 p.a<br />
• Valid<br />
business license<br />
/ permit/<br />
business<br />
registrati<strong>on</strong><br />
SME Micro<br />
Financing<br />
• Companies<br />
registered with<br />
Companies<br />
Commissi<strong>on</strong> of<br />
Malaysia<br />
• Min 3 years in<br />
operati<strong>on</strong>s<br />
• Has valid<br />
business<br />
registrati<strong>on</strong><br />
• At least 3 years<br />
banking<br />
relati<strong>on</strong>ship<br />
(borrowing &<br />
n<strong>on</strong>-borrowing)<br />
with any FIs<br />
business license /<br />
permit<br />
• Business must be<br />
owner operated<br />
and <strong>on</strong> a full-time<br />
basis<br />
•Have permanent<br />
residential address<br />
Business Enterprises<br />
• Companies<br />
registered with<br />
Companies<br />
Commissi<strong>on</strong> of<br />
Malaysia<br />
• Have valid<br />
business license /<br />
permit<br />
• Business must be<br />
owner operated<br />
and <strong>on</strong> a full-time<br />
basis<br />
• Have relevant<br />
business<br />
experience<br />
•Minimum of<br />
RM36,000<br />
yearly income<br />
• Minimum 3<br />
years<br />
c<strong>on</strong>secutively<br />
in the same<br />
business<br />
Disclaimer: Comparative <str<strong>on</strong>g>table</str<strong>on</strong>g> displayed here serves <strong>on</strong>ly as a guide, not recommendati<strong>on</strong>. Please c<strong>on</strong>sult the financial instituti<strong>on</strong>s before making any decisi<strong>on</strong>s.
Updated as at 28 February 2014<br />
COMPARATIVE TABLE ON PEMBIAYAAN MIKRO PRODUCT FEATURES<br />
FEATURES AGROBANK BANK RAKYAT<br />
BANK SIMPANAN<br />
NASIONAL<br />
ALLIANCE<br />
BANK<br />
AMBANK<br />
CIMB BANK<br />
BANK<br />
MUAMALAT<br />
MAYBANK<br />
PUBLIC BANK<br />
UNITED<br />
OVERSEAS<br />
BANK<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s<br />
(e.g. business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of<br />
income (e.g.<br />
latest Form<br />
B/BE - with<br />
tax payment<br />
receipt, latest<br />
3 m<strong>on</strong>ths<br />
bank<br />
statements, or<br />
latest copy of<br />
credit/charge<br />
card(s) of at<br />
least 1 year)<br />
Comm<strong>on</strong><br />
Documents<br />
Required<br />
• Identity card (borrower and<br />
spouse)<br />
• Proof of business operati<strong>on</strong>s<br />
(e.g. business registrati<strong>on</strong> /<br />
license / permit)<br />
• Proof of income (e.g. bank<br />
statement)<br />
• Utility bills<br />
• Other relevant documents<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s<br />
(e.g. business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of<br />
income (e.g.<br />
bank<br />
statement)<br />
• Recommendati<br />
<strong>on</strong> letters from<br />
panel<br />
cooperatives<br />
and self-help<br />
group<br />
members<br />
• Identity card (borrower and<br />
spouse)<br />
• Proof of business operati<strong>on</strong>s<br />
(e.g. business valid<br />
registrati<strong>on</strong> / license / permit)<br />
• Proof of income (e.g. sales<br />
record, bank statements for<br />
the past 6 m<strong>on</strong>ths)<br />
• Operating permits / licenses<br />
(applicable <strong>on</strong>ly to specific<br />
industries such as<br />
transportati<strong>on</strong>, rice trading<br />
etc)<br />
• Utility bills<br />
• Other relevant documents<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s (e.g.<br />
business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of income<br />
by copy of<br />
latest 6 m<strong>on</strong>ths<br />
bank statement<br />
OR<br />
• Latest Borang<br />
B verified<br />
against tax<br />
receipt OR<br />
• Latest EPF<br />
Statement<br />
• Other relevant<br />
documents<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s<br />
(e.g. business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of<br />
income (e.g.<br />
bank<br />
statement)<br />
• Utility bills<br />
• Other relevant<br />
documents<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s<br />
(e.g.<br />
business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of<br />
income (e.g.<br />
bank<br />
statement)<br />
• Other<br />
relevant<br />
documents<br />
• Identity card<br />
• Proof of<br />
business<br />
operati<strong>on</strong>s<br />
(e.g. business<br />
registrati<strong>on</strong> /<br />
license /<br />
permit)<br />
• Proof of<br />
income (e.g.<br />
Pensi<strong>on</strong> Slip)<br />
• Copy of<br />
latest 6 m<strong>on</strong>ths<br />
bank statement<br />
• Other relevant<br />
documents<br />
Maybank Mikro<br />
• Identity Card<br />
• Proof of income<br />
(e.g. latest 6<br />
m<strong>on</strong>ths bank<br />
statement,<br />
Income Tax<br />
statement)<br />
• Business<br />
registrati<strong>on</strong><br />
(where<br />
applicable)<br />
• Bank’s<br />
c<strong>on</strong>firmati<strong>on</strong> that<br />
account in<br />
operati<strong>on</strong> 2<br />
years<br />
satisfactorily<br />
Maybank<br />
Microfinance<br />
• Identity<br />
card<br />
• Business<br />
license / permit/<br />
business<br />
registrati<strong>on</strong><br />
• Proof of<br />
business<br />
• Business<br />
proposal<br />
• Other relevant<br />
documents<br />
SME Micro<br />
Financing<br />
• Identity card<br />
• Business<br />
license /<br />
permit/<br />
business<br />
registrati<strong>on</strong><br />
• Proof of<br />
business<br />
• Latest 2 years<br />
Audited<br />
Account /<br />
Management<br />
Account<br />
• Other relevant<br />
documents<br />
• Identity card<br />
• Proof of business<br />
operati<strong>on</strong>s (e.g.<br />
business<br />
registrati<strong>on</strong> /<br />
license / permit)<br />
• Proof of income<br />
(e.g. bank<br />
statement)<br />
• Utility bills<br />
• Other relevant<br />
documents<br />
Note: Pembiayaan Mikro <strong>product</strong>s are available at all Participating Financial Instituti<strong>on</strong>s’ branches that display the nati<strong>on</strong>al Pembiayaan Mikro logo.<br />
Disclaimer: Comparative <str<strong>on</strong>g>table</str<strong>on</strong>g> displayed here serves <strong>on</strong>ly as a guide, not recommendati<strong>on</strong>. Please c<strong>on</strong>sult the financial instituti<strong>on</strong>s before making any decisi<strong>on</strong>s.
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