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MICRO ICONMikro

Pembuatan - Jualan Tahunan < RM300,000 ATAU Pekerja < 5

Perkhidmatan & Sektor Lain - Jualan Tahunan RM300,000 ATAU Pekerja < 5

SMALL ICONKecil

Pembuatan - Jualan Tahunan RM300,000 < RM15 juta ATAU Pekerja Dari 5 hingga < 75

Perkhidmatan & Sektor Lain - Jualan Tahunan RM300,000 < RM3 juta ATAU Pekerja Dari 5 hingga < 30

MEDIUM ICONSederhana

Pembuatan - Jualan Tahunan RM15 juta ≤ RM50 juta ATAU Pekerja Dari 75 hingga < 200

Perkhidmatan & Sektor Lain - Jualan Tahunan RM3 juta ≤ RM20 juta ATAU Pekerja Dari 30 hingga < 75

Kami bertekad untuk memberi perkhidmatan yang cekap, mesra dan jujur kepada pelanggan-pelanggan berdasarkan Piagam berikut:

Dokumen Asas untuk Permohonan Pembiayaan

1. Dokumen Syarikat Berstatus Sendirian Berhad / Berhad
  • Borang 9, 24, 44 & 49
  • Borang 13 & 32A [jika berkenaan]*
  • Tatacara dan Tatawujud Urusan Syarikat [M&A]
  • Salinan lesen atau sijil-sijil lain yang berkenaan. [jika berkenaan]*
2. Documents Syarikat Berstatus Persendirian / Perkongsian
  • Borang Pendaftaran Perniagaan.
  • Perjanjian Perkongsian [jika ada].
  • Bil-bil utiliti untuk 3 bulan terkini.
3. Latarbelakang Perniagaan / Pemegang Saham / Pemilik / Pengarah / Pengurusan Utama 
  • Borang Penyata Diri dan Salinan MyKad / Salinan Passport
  • Profil Syarikat / Firma [Jika Pemegang Saham adalah entiti korporat]
  • Profil Pengarah dan Kakitangan Pegurusan Utama
4. Jika Pemohon telah Beroperasi
  • Penyata Kewangan  / Penyata Kewangan Beraudit untuk 3 tahun terakhir
  • Senarai Penerima Biaya Utama. Jumlah & Umuran. [jika berkenaan]
  • Senarai Pemberi Biaya Utama. Jumalah & Umuran [jika berkenaan]
  • Penyata Bank terkini [untuk 6 bulan lepas]
5. Jika Pemohon Mempunyai Pembiayaan Dari Institusi Kewangan Lain
  • Surat Tawaran Pembiayaan
  • Penyata Bank / Penyata Akaun Semasa yang terkini. 
6. Jika Menyewa / Memajak Premis Perniagaan / Bangunan
  • Penjanjian Penyewaan atau Pemajakan
  • Surat Pelepasan daripada Pemilik Tanah / Bangunan
  • Perjanjian Penyewaan Sublet [jika ada]
7. Jika Melibatkan Cagaran Aset Milik Pihak Ketiga
  • Dokumen Pemilik
  • Surat Kebenaran untuk mencagarkan aset pemilik
  • Laporan Penilaian Hartanah yang dialamatkan kepada SME Bank oleh Panel Penilai yang berdaftar dengan SME Bank.
8. Jika Melibatkan Jaminan Pihak Ketiga
  • Borang Penyata Diri Penjamin [jika perseorangan]
  • Surat Akaun Pendedahan Pembiayaan dari Jaminan Pemohon 

 

 

Kelayakan

  1. Sekurang-kurangnya 51% saham syarikat dimiliki oleh warganegara Malaysia.
  2. Memenuhi definisi Perusahaan Kecil dan Sederhana. 
  3. Syarikat berdaftar di bawah Akta Suruhanjaya Syarikat Malaysia 2001 atau Koperasi 1993 (Pindaan 2007).
  4. Tujuan pembiayaan dan aktiviti perniagaan hendaklah mematuhi prinsip Shariah.

Nota: Kelayakan lain mungkin dikenakan tertakluk kepada Program Pembiayaan

Tempoh Proses Permohonan, Pengeluaran, Pelepasan dan Rayuan

a) Permohonan Pembiayaan
Semua permohonan pembiayaan akan diproses dan keputusan akan dimaklumkan dalam tempoh 30 hari bekerja dari tarikh permohonan yang lengkap diterima.

b) Pemakluman Keputusan Permohonan Pembiayaan
Kami akan berusaha memaklumkan keputusan permohonan pembiayaan kepada pemohon dalam tempoh 4 hari bekerja dari tarikh keputusan dibuat oleh Bank. 

c) Permohonan Pengeluaran
Semua permohonan pengeluaran yang lengkap dan memenuhi syarat-syarat pra pengeluaran akan diproses dalam tempoh 4 hari bekerja. 

d) Pelepasan Pembiayaan
Semua perkata yang melibatkan Pelepasan Cagaran dan Pelepasan Penjamin hendaklah dibuat dalam tempoh 10 hari dari tarikh akhir penyelesaian. 

e) Proses Rayuan
Sebarang rayuan ke atas permohonan yang tidak berjaya hendaklah dibuat secara bertulis dalam tempoh 3 bulan dari tarikh keputusan dikeluarkan dan boleh diserahkan kepada cawangan yang sama. Klik sini untuk mengetahui lokasi cawangan kami.

Untuk maklumat lanjut, sila hubungi Pusat Khidmat Pelanggan kami di talian 03-2603 7700. 

 

Pengeluaran Penyata Akaun

Kami akan mengemukakan Penyata Akaun / Penyata Pembiayaan secara tahunan atau di atas permintaan pelanggan.

Piagam Pelanggan ini akan dikaji dari semasa ke semasa bagi mempertingkatkan keberkesannya.

Year 2020

National Energy Awards 2020

Special Awards - Sustainable Energy Financing

Development Financing Institutions & Others

National Energy Awards 2020
Ministry of Energy and Natural Resources

Year 2019

ADFIAP Awards 2019 Best Sustainablity Report

Outstanding Development Project Awards - Corporate Social Responsibility

Young Entrepreneur Innovation Programme - SME Bank Y-Biz Challenge

ADFIAP Awards 2019
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

ADFIAP Awards 2018 Best Sustainability Report

Best Sustainability Report

ADFIAP Awards 2019
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Best Website

Special Awards - Best Website

ADFIAP Awards 2019
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Top Performance Award

Top Performance Award

Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Year 2018

ADFIAP Awards 2018 SME Development  Category SUKSES TV Programme

SME Development Category – SUKSES TV Programme

ADFIAP Awards 2018
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

ADFIAP Awards 2018 Best Sustainability Report

Best Sustainability Report

ADFIAP Awards 2018
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

BrandLaurette  SMEs Strategic Business Partner Award 2017 2018

SMEs Strategic Business Partner Award 2017-2018

The BrandLaureate

Year 2017

Outstanding Development Project – Trade Development for Best Exporter Program

ADFIAP Awards 2017
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Merit Award: Human Capital Development Category – SME Employee Capacity Building

ADFIAP Awards 2017
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

ADFIAP Awards 2017 Special Awards Best Website

Special Awards – Best Website

ADFIAP Awards 2017
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Most Supportive Bank for Governments Guarantee Schemes

Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Year 2016

Outstanding Development Project – Award For Graduate or Tabung Usahawan Siswazah 2 (TUS 2)

ADFIAP Awards 2016
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Best Sustainability Report

ADFIAP Awards 2016
Association of Development Financing Institutions in Asia and the Pacific (ADFIAP)

Year 2015

Top FI Partners Award 2015 (Overall Category)

Credit Guarantee Corporation Malaysia Berhad

Top FI Partner (Development FI Category)

Credit Guarantee Corporation Malaysia Berhad

Silver Award For The Employer of Choice Category

Malaysia HR Awards 2015

Sahabat Negara SME Recognition Award 2015

SMI Association of Malaysia

Year 2014

Sahabat Negara SME Recognition Award 2014

SMI Association of Malaysia

Plaque of Merit – Young Entrepreneur Innovation Program (Y-Biz Challenge) 2014

Association of Development Financing,
Institutions in Asia and The Pacific

Year 2013

Sahabat Negara SME Recognition Award 2013

SMI Association of Malaysia

Website 5-Star Rating 2013 Malaysia Government

Portals and Websites Assessment (MGPWA)

Year 2012

Most Preferred Brand in Banking The BrandLaureate

SMEs BestBrand Awards 2012

Sahabat Negara SME Recognition Award 2012

SMI Association of Malaysia

Website 5-Star Rating 2012 Malaysia Government

Portals and Websites Assessment (MGPWA)

Year 2011

Sahabat Negara SME Recognition Award 2011

SMI Association of Malaysia

Website 5-Star Rating 2011 Malaysia Government

Portals and Websites Assessment (MGPWA)

Dr.Amir

Prof. Dr. Amir
Shaharuddin

Chairman

Dr. Shamsiah Mohamad
Member

Dr.Ahmad Sufian

Dr. Ahmad Sufian
bin Che Abdullah

Member

Associate Prof. Dr.
Ahmad Zaki Salleh

Member

En. Faizal Jaffar
Member

Dr.Ahmad Sufian

En. Ahmad Husni
Abd Rahman

Member

 
 
 

Dato' Muslim bin Hussain
Independent Director

PROFILE :

Dato’ Muslim Hussain was appointed as an Independent Director of SME Bank on 1 September 2018.

Dato’ Muslim possessed a Bachelor in Business Administration from the University of Malaya in 1982, Certificate in Police High Law from Royal Malaysian Police College in 1983 and Diploma in Teaching English as Second Language (TESL) in 1977.

Dato’ Muslim has vast experience in Risk Management and Credit Policy & Portfolio Management. Dato’ Muslim has held several senior positions in Banking Sector namely Agrobank and Malayan Banking Berhad.   Dato’ Muslim has over 26 years of banking experience. Dato’ Muslim was previously the Chief Risk Officer of Agrobank from April 2011 to March 2017.

He has spent over 20 years in Malayan Banking Berhad holding various positions namely Executive Vice President / Head of Operational Risk Management from 2008 to March 2011, Vice President / Head of Department, Credit Policy and Portfolio Management Department, Credit Risk Management from 2005 to 2008, Assistant Vice President, Credit Policy, Credit Risk Management from 2003 to 2005, Assistant Vice President / Head of Portfolio Management from 2000 to 2003, Senior Executive, Credit Policy for 5 years, Senior Executive, Regional Credit Evaluation from 1992 to 1994 and Executive/ Senior Executive, Branch Credit Officer for 6 years.

Datuk Ahmad Hizzad bin Baharuddin
Independent Director

PROFILE :

Datuk Ahmad Hizzad Baharuddin (“Datuk Hizzad”) was appointed as an Independent Non-Executive Director of SME Bank on 6 March 2019.

He holds a Master of Business Administration from St. Louis University, Missouri and Bachelor in Business Studies from Eastern Illinois University, Illinois, both in the United States of America.

Datuk Hizzad has over 32 years of experience with Central Bank of Malaysia (“BNM”). Before his retirement, he was the Assistant Governor, BNM and has also served as Director in various departments at BNM including Islamic Banking & Takaful Department, Payment Systems Department and Financial Sector Development Department. He was also the Director General of Labuan Financial Services Authority.

Datuk Hizzad is currently the Chairman of Payment Network Malaysia (PayNet), Director of FWD Takaful Berhad and fellow Chartered Banker, Asian Institute of Chartered Banker. Previously, he was Chairman of Mizuho Bank Malaysia Berhad.

En. Zulkiflee Hashim
Independent Director

PROFILE :

Zulkiflee Hashim was appointed as an Independent Non-Executive Director of SME Bank on 6 March 2019.

Zulkiflee has over 35 years’ experience in the banking industry. He started his career with Citibank Malaysia in 1979 and left his position as Vice President in November 1991. From December 1991 to November 1997, Zulkiflee was with Deutsche Bank Malaysia. He was the Deputy Managing Director responsible for Corporate Banking, International Trade Finance, Operations and Transaction Banking Services. From July 1998 to October 2011,Zulkiflee was the Executive Director of Hong Leong Bank Berhad (‘HLB”). Prior to his retirement in 2015, he was HLB’s Chief Operating Officer, Group Strategic Support from November 2011 to January 2015. During the tenure with HLB, he was given the responsibility to oversee various areas such as Branch and Banking Operations, Integrated Risk Management, Credit Management, Information Technology, Islamic Banking, Wholesale Operations, Retail Operations, Legal and Corporate Communications & Public Relations.

Zulkiflee graduated with a Diploma in Credit Management from Institut Teknologi MARA (now known as Universiti Teknologi MARA).

Zulkiflee is presently an Independent Non-Executive Director of GuocoLand (Malaysia) Berhad and Hong Leong MSIG Takaful Berhad. He was previously a member of Hong Leong Bank Berhad Board of Directors.

Dato' Sharkawi Alis
Independent Director

PROFILE :

Dato’ Sharkawi Alis was appointed as an Independent Non-Executive Director of SME Bank on 1 April 2021.

He is a Barrister-at-Law from Middle Temple, London, where he was called in 1971. Thereafter, he was admitted as an Advocate & Solicitor of the High Court of Malaya in 1984.

He served in the Malaysian Judicial and Legal Service in various capacities for eleven (11) years before he was appointed as Group Legal Adviser of Malaysia Mining Corporation Berhad in August 1982. In January 1997, he joined the Securities Commission Malaysia as Director of Market Supervision and subsequently in 2000, he was appointed as the Director of Corporate Resources Division until March 2003.

Presently, Dato Sharkawi sits on the Board of Permodalan Satok Berhad and Yayasan Hartanah Bumiputera Sarawak.

Previously, Dato’ Sharkawi was the Chairman of MNRB Holdings Berhad and its group companies.

He was a Director of Malaysian Industrial Development Finance Berhad (“MIDF”), MIDF Investment Bank Berhad and other subsidiaries of MIDF between 2005 to 2016. He was also a former Director of Development Bank of Sarawak where he served between 2017 to 2020.

Pn. Suharti Mohd Ali
Independent Director

PROFILE :

Suharti Mohd Ali was appointed as an Independent Director on 1 March 2021. She holds a Master of Business Administration (MBA) degree from the Universiti Utara Malaysia and a Diploma in Public Administration (English) from MARA Institute of Technology, Shah Alam.

Suharti started her working experience in the education industry but later found her career with Jabatan Telekom Malaysia which she joined in 1980. In the 34 years with Telekom, she worked almost in all areas of the organization from Public Relations, Sales & Outlet Management and Credit Management before finally becoming a Business Analyst in the CASS Project. This marked the beginning of a new career phase in IT.

She started as a Subject Matter Expert (SME) in Credit Management and also the IT Manager for the Credit Management Division, where she successfully developed and deployed a nationwide Credit Management program for Telekom Malaysia, called eQuest which was still in use until very recently.

After that her career in IT progressed in Project Management as she managed and delivered various large IT projects. This included the overarching Customer Management System which was a nationwide rollout for TM’s wireline business.

The last project she delivered was the most significant, as it was the Private Public Partnership Project (PPP) between TM and the Malaysian Government. She managed the delivery of all the OSS (Operation Support System) and BSS (Business Support Systems) to enable the launch of Malaysia’s High Speed Broadband project in the Klang Valley within 8 months. This OSS and BSS Project codenamed NOVA is, an end-to-end platform which delivered the CRM, Fulfillment and Activation, Inventory and Billing as well as Assurance capabilities for the National HSBB initiative.

The successful completion of this HSBB Project in TM made her the candidate for Celcom Axiata’s Director of IT Transformation in 2011, when Celcom embarked on its nationwide Transformation Program, delivering another BSS for the whole Mobile business.

She left the industry in 2017 to pursue areas of work she has passion for: education, motivation in project management and health. She has since been invited to speak in various conferences locally and Internationally. She is currently a Director and Shareholder of CEIL Sdn. Bhd., a company that trades in oil and gas, gold and sand mining, supply of military and health/ medical products and heavy electrical equipment.

 

Datuk Haji [email protected]
bin Salleh
Non Independent
Non Executive Director

PROFILE :

Dato’ Haji Zamri @ Fazillah Salleh was appointed as a Non-Independent Non-Executive Director on 1 February 2023.

He holds a Master of Science (Management) from Universiti Utara Malaysia and a Bachelor Degree in Civil Engineering from University of Nebraska, United States and a Diploma in Science Management from National Institute of Public Administration (INTAN).

Dato’ Zamri has more than 34 years of experience serving in various ministries such as the Ministry of Housing and Local Government (KPKT), Public Service Department (JPA) and Implementation Coordination Unit, Prime Minister’s Department (ICU,JPM). He is currently the Deputy Secretary General (Entrepreneurship Development) at the Ministry of Entrepreneur & Cooperatives Development (KUSKOP).

Presently, Dato’ Zamri is a Director of SME Corp Malaysia, Suruhanjaya Koperasi Malaysia, Institut Koperasi Malaysia and Board of Trustee of Institut Keusahawanan Negara (INSKEN), Tekun Malaysia and Yayasan Didik Negara.

He was previously a Director of UDA Holdings Berhad.

Pn. Afidah Azwa
binti Abdul Aziz
Non Independent
Non Executive Director

PROFILE :

Puan Afidah Azwa Abdul Aziz was appointed as a Non-Independent Non-Executive Director on 1 February 2023.

She holds a Master in Economics from Universiti Putra Malaysia, a Bachelor Degree in Economics from International Islamic University Malaysia and a Diploma in Public Administration from the National Institute of Public Administration (INTAN).

Puan Afidah has more than 22 years of experience in the public services sector, especially with the Ministry of Finance (MOF). Prior to the current appointment as the Deputy Undersecretary to the Government Investment Companies Division in MOF, she was amongst others, the Deputy Undersecretary to the Strategic Investment Division and Head of Section, Evaluation Section Strategic Investment Division, MOF.

Presently, Puan Afidah is a Director of the Perbadanan Nasional Berhad (PERNAS), Lembaga Pinjaman Perumahan Sektor Awam (LPPSA), Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), Kuala Lumpur International Airport Berhad (KLIAB) and Panel Investment of Social Security Organisation (SOCSO).

She was previously a Director of Perbadanan Usahawan Nasional Berhad, TEKUN Nasional, Malaysia Digital Economy Corporation (MDEC) and PUNB Properties Sdn Bhd.

 

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