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Financing Programmes

 

1. Credit Limit Enhancement Program (CLEP)

A retention program designed for long-standing and creditworthy existing customer of Agrobank, to be automatically considered for an increase in their credit facilities.

ELIGIBILITY

  • Have been serviced for a minimum of three (3) years (excluding grace/moratorium period) with good track record of financing payment
  • Good track record of financing payment are accounts with MIA zero for the past three (3) years
  • Current facility amount is RM200,000 and above
  • Has not been offered CLEP in correspondence to this account before

 

TENURE
Maximum up to ten (10) years

FINANCING LIMIT

Existing Financing Amount RM1,000,000
Outstanding Balance (after 3 years) RM740,700
Maximum CLEP Financing Amount RM259,300


PROFIT RATE

  • Less 1% from CLEP accounts rate (existing facility) and at minimum of BFR + 0%. Should the rate of existing account is below than BFR, the existing rate remains
  • For CLEP accounts (existing facility) under Concessionaire Fund, the profit rate is subject to availability and term & condition of the fund

 

2. Green Lane Policy (GLP)

To enhance the competency of local SME ventures in biotechnology sector


ELIGIBILITY
SME companies certified by:

  • SME Corporation Malaysia (through 1-InnoCERT Certification)
  • Malaysian Technology Development Corporation (MTDC)
  • Malaysian Biotechnology Corporation (BiotechCorp).
  • Multimedia Development Corporation (MDeC)

 

GOVERNMENT INCENTIVE

2% profit rate rebate on approved financing subjected to a maximum (per company) of:

  • RM200,000 a year; or
  • Cumulative total of RM1.0million for 5 years

Stamp duty exemption on the financing agreement

 

DURATION OF SCHEME
From 15.06.2011 until the monies in the Designated Account has been fully utilized

 

3. Program Agropreneur Muda (PAM)

To provide specific financing facility targeted for young entrepreneur in agriculture sector in order to produce progressive, competitive, creative, and innovative and highly income Young Agropreneur.

SHARIAH PRINCIPLE

Tawarruq

SCOPE
For fixed and operational capital for new and expansionary (existing) purposes.

ELIGIBILITY
Applicant must be Malaysian, between 18 to 40 years old, at the point of application and must be registered with Unit Agropreneur Muda (UAM), Ministry of Agriculture & Agro-based Industries (MoA)

 

Financing Limit

Types of Project Financing Limit
New Project Maximum up to RM 50,000
Existing Project Maximum up to RM 300,000


MARGIN OF FINANCING
Maximum 70% from project cost which consists of fixed and operational capital (for new project) or from the cost of project expansion (for existing project)


TENURE
7 years


PROFIT RATE
5.50% per annum


COLLATERAL/SECURITY
No collateral or security required under this programme

 

4. Group Financing Program (GFP)


OBJECTIVE

  • To assist entrepreneurs in selective sectors with market potential to start and develop a project with the guidance of expert companies, and to promote transfer of expertise
  • To assist successful companies in expending their business by providing capital in exchange to expertise and knowledge transfer


TYPES OF GROUP

  • Contract Financing
  • Group Financing


TARGET MARKET

  • Business solicitation is through Project Sponsor (PS). Customer are the Participant of the Project under PS
  • Processing is based on the group. Credit evaluation is not only solely on the Customers but more on the Project and Project Sponsor


FEATURES

Module To Be Adopted

Based on:

  • The structure of the Memorandum Agreement between Project Sponsor and Participant
  • Credit evaluation of Participants and/or Project Sponsor
Participant per Group

Minimum of four (4) participants per group

Note: For well-established/reputable PS, requirement for four (4) participants can be waived by approval of the approving authority at the lowest of HCA

Financing Amount As per Bank's Credit Operation Manual (COM)
Profit Rate Special Profit Rate based on the Individual or Group

 

5. Program Pembiayaan Dana TERAS


OBJECTIVES

  • To pursue more potential companies
  • To ensure the participation of the Bumiputera companies


TARGET GROUP

  • Companies appointed as TERAS Company by TERAJU
  • Companies identified by Agrobank


PURPOSE OF FINANCING

  • Capital Expenditure
  • Operation Expenditure

Note: The fund should NOT be used for:

  • Buying of share
  • Re-financing


FINANCING MODE

  • Term Financing under: Pembiayaan Berjangka-i
  • Revolving Financing under: Kemudahan Pembiayaan Modal Kerja-i


FEATURES

Pembiayaan Berjangka-i

Financing Limit

 

  • MoF up to 80% of the project cost; OR
  • RM5.0 million, whichever is lower
Tenure
  • Maximum tenure is capped at ten (10) years
  • There is no grace period
Profit Rate BFR + 0.5% per annum at monthly rest
Security / Collateral
  • Dana Jaminan (1:4) ; AND/OR
  • Any other collateral / security as per Banks Credit Operation Manual (COM)

Kemudahan Pembiayaan Modal Kerja-i

Financing Limit

 

  • MoF up to 80% of the project cost; OR
  • RM5.0 million, whichever is lower
Tenure
  • Maximum tenure is capped at 10 years inclusive of Grace Period(GP)
  • GP up to 48 months
Profit Rate BFR + 0% per annum at monthly rest
Security / Collateral Collateral / security is as per Banks Credit Operation Manual (COM)

 

6. Skim Jaminan Kredit Islam Enhancer (Enhancer-i)

An Islamic guarantee scheme provided by Credit Guarantee Corporation (M) Berhad (CGC)

A CCGs guarantee facility to assist SMEs entrepreneurs who have viable business but lack of collateral to obtain financing facility from the Bank


ELIGIBILITY

  • Small & Medium Enterprise (SME)
  • Business registered in Malaysia and owned by Malaysian (at least 51%) and govern under the Company Act 1955
  • Halal business only


GUARANTEE ELIGIBILITY

  • Unsecured or partial secured financing
  • New financing with Agrobank


GUARANTEE FEE

  • Unsecured portion - 2.40% to 4.00% per annum
  • Secured portion - 2.10% to 3.20% per annum


FEATURES

Guarantee Limit

 

Secured portion: 30% to 90% secured portion amount

Unsecured Portion: 30% to 80% from unsecured portion and subject to maximum cover of RM3.0 million on the unsecured portion (in multiple 5%)

 

Financing Limit
  • Total financing for each eligible customer recorded with CGC shall not exceeding RM10 million including financing with other banks
  • Minimum financing limit eligible for guarantee shall be more than RM50,000
Financing amount
  • Total financing limit eligible for guarantee to single customer not exceeding RM10 million.
  • Minimum financing amount RM50,000 (unsecured portion)
Financing tenure
  • Term financing €“ end of financing tenure
  • Revolving financing €“ maximum 2 years from the date of guarantee letter

 7. Skim Pembiayaan Bot Perikanan-i (SPBP-i)

 Perkhidmatan untuk memodenkan industri perikanan melalui pemilikan bot serta peralatan menangkap ikan yang lebih besar dan moden berkonsepkan Tawarruq

 

Kelayakan
Individu/kumpulan/milikan tunggal /perkongsian/ syarikat milik warganegara Malaysia (minimum 51% pegangan) ditubuhkan di bawah Akta Syarikat, 1965 / lain-lain institusi yang diperbadankan

 

Ciri-ciri

SPBP-i

Had Pembiayaan

      Pembiayaan sehingga 90% daripada kos projek, tertakluk kepada maksimum RM10juta setiap pelanggan.

      Minimum RM40,000 setiap pelanggan

Tempoh

 Sehingga 120 bulan (10 tahun)

Kadar Keuntungan

      3.75% p.a tetap untuk RM5 juta yang pertama

      5% p.a tetap untuk pembiayaan melebihi RM5 juta

Cagaran/Jaminan

      50% daripada nilai pasaran untuk bot kulit besi / gentian kaca

      30% daripada nilai pasaran untuk bot kulit kayu

      10% daripada nilai pasaran untuk peralatan perikanan (tidak termasuk pukat)

Takaful/Perlindungan

Tertakluk kepada Garis Panduan Pendaftaran Skim Perlindungan Kredit

8. Skim Usahawan Tani Komersial Siswazah-i (SUTKS-i)

SUTKS-i menyediakan pembiayaan kepada graduan menganggur yang berminat dalam pertanian sepenuh masa berkonsepkan Tawarruq

 

Ciri-ciri

SUTKS-i

Had Pembiayaan

Pembiayaan permulaan tidak melebihi RM 50,000 dengan tambahan sehingga RM 50,000

Tempoh

6 tahun

Kadar Keuntungan

Kadar keuntungan yang dikenakan adalah tetap, 3.75% setahun (p.a).

Cagaran/ Jaminan

    Dua penjamin dimana salah seorang adalah keluarga pemohon.

     Jika kedua-dua penjamin adalah ahli keluarga pelanggan, salah seorang penjamin mestilah mempunyai pendapatan tetap yang diterima oleh Bank

 

9. Skim Kredit Pengeluaran Makanan-i (SKPM-i)

SKPM-i menyediakan pembiayaan kepada usahawan Kecil dan Sederhana  (PKS) yang terlibat dalam aktiviti pengeluaran makanan yang diuruskan oleh Kementerian Pertanian & Industri Asas Tani, Kerajaan Negeri atau mana-mana agensi kerajaan.

Ciri-ciri

SKPM-i

Had Pembiayaan

  Sehingga 100% kos project tertakluk kepada nilai maksimum        RM 500,000 ; dan

  Had pembiayaan untuk setiap pelanggan tidak boleh melebihi

RM500,000

Tempoh

8 tahun

Kadar Keuntungan

Kadar keuntungan yang dikenakan adalah tetap,                                        3.75% setahun (p.a).

Cagaran/

Jaminan

Tertakluk kepada polisi Bank

Untuk projek di bawah MOA Inc., Keperluan cagaran/jaminan adalah mengikut €œGaris Panduan Pembiayaan Projek MOA Incorporated (PN-24)€.

 

10.Masyarakat Perdagangan & Perindustrian Bumiputera (MPPB - HUB)

 

MPPB adalah kemudahan pembiayaan berkonsepkan Tawarruq khusus untuk usahawan Bumiputera dalam sektor pertanian.

Objektif:
Untuk memperluaskan perniagaan serta peluang usahawan Bumiputera
Memberikan modal perniagaan usahawan Bumiputera mikro, kecil dan sederhana
Modal untuk persaingan di peringkat tempatan dan global berdasarkan pembiayaan berprinsipkan Syariah.

Kelayakan
Terbuka kepada usahawan / syarikat Bumiputera yang sedia ada menjalankan perniagaan yang memerlukan modal bagi pengembangan perniagaan.

Had Pembiayaan
Maksimum sehingga RM200,000.00

Tempoh Pembiayaan
Maksimum sehingga  10 tahun

Jenis Pembiayaan
Pembiayaan Berjangka
Pembiayaan Modal Pusingan

Kadar Keuntungan
3.75% setahun tetap dikira di atas
baki berkurangan.

 

11. Masyarakat Perdagangan & Perindustrian Bumiputera (MPPB - DPUP)

MPPB kemudahan pembiayaan berkonsepkan Tawarruq khusus untuk usahawan Bumiputera dalam sektor pertanian.

Objektif:
Untuk memperluaskan perniagaan serta peluang usahawan Bumiputera

Memberikan modal perniagaan usahawan Bumiputera mikro, kecil dan sederhana

Modal untuk persaingan di peringkat tempatan dan global berdasarkan pembiayaan berprinsipkan Syariah.

Kelayakan
Terbuka kepada usahawan / syarikat Bumiputera yang sedia ada menjalankan perniagaan yang memerlukan modal bagi pengembangan perniagaan.

Had Pembiayaan
Maksimum sehingga RM5 juta

Tempoh Pembiayaan
Maksimum sehingga  10 tahun

Jenis Pembiayaan
Pembiayaan Berjangka

Kadar Keuntungan
3.75% setahun tetap dikira di atas
baki berkurangan.

12. EPP8 (Food Park/Incubator)

Dana bagi membiayai Syarikat Peneraju / Syarikat Peserta yang menyelaraskan PKS dan pengusaha kecil bagi melaksanakan projek dalam bidang pertanian dan industri asas tani secara komersial dan melibatkan pengeluaran berskala besar berkonsepkan Tawarrruq.

Kelayakan
Syarikat-syarikat dengan pegangan saham sekurang-kurangnya 51% oleh warganegara Malaysia.
Syarikat-syarikat yang dilantik sebagai Syarikat Peserta dalam Program EPP 8 dengan surat perlantikan dikeluarkan oleh MOA.
Organisasi-organisasi atau syarikat-syarikat tersebut hendaklah mematuhi kriteria patuh Syariah

Pembiayaan produk
Pembiayaan Berjangka-i:

Skop pembiayaan
Perbelanjaan Modal dan Perbelanjaan Operasi
Semua Projek yang berasaskan pertanian
dan industri asas tani dalam bidang penanaman,
penternakan dan perikanan. Pembiayaan meliputi
aktiviti pengeluaran, pemprosesan, pemasaran
dan perkhidmatan.

Dana EPP8 tidak boleh digunakan untuk:
Pembiayaan semula pembiayaan sedia ada
Pengambilalihan projek/aset sedia ada
Pengambilalihan atau pembelian saham syarikat.

 

13. Program Dana Pertanian Komersial (DPK)
(DANA GLC)

Kemudahan modal untuk menggalakan penyertaan badan korporat untuk menyertai projek asas-tani berimpak tinggi yang boleh menjadi pemangkin kepada pengkormesilan perniagaan asas-tani di Malaysia berkonsepkan Tawarruq.

Kelayakan
Syarikat yang ditubuhkan di bawah Akta Syarikat 1965;
Syarikat yang dimiliki dan diuruskan oleh Bumiputera dengan pegangan saham minimum 51% daripada Lembaga Pengarah dan pengurusan diberikan kepada Bumiputera
Produk Pembiayaan
Pembiayaan Berjangka-i

Skop Pembiayaan
Perbelanjaan Modal
Perbelanjaan Operasi

Ciri-ciri

Program DPK

Had Pembiayaan

      Sehingga 95% daripada kos projek

      Minimum: RM5.0 juta

      Maksimum: RM25.0 juta

Tenure

      Sehingga 120 bulan (10 tahun)

Profit Rate

3.75% setahun atas baki bulanan

Cagaran / Jaminan

      Jaminan bersama atau beberapa jaminan daripada Lembaga Pengarah syarikat;

      Debentur ke atas aset tetap atau terapung (jika berkenaan);

      Lain lain cagaran yang diterima oleh Bank

 

Fund For Food (3F)

OBJECTIVE

  • To increase the production of food in the country and reduce food imports.
  • To provide funding for projects in foods sector at a reasonable cost.

ELIGIBILITY

  • Individual / Non-individual
  • Malaysian citizen.
  • Sole-proprietorship or partnership
  • Malaysian-owned companies (at least (51%) were established under Akta Syrikat 1965.
  • Corporates Institution

FINANCING TYPE

BNM Fund

MOA Fund

Term Financing

Term Financing

Revolving

Financing

FINANCING LIMIT

BNM Fund

MOA Fund

Minimum RM10,000

Minimum RM10,000

Maximum up to RM5 mil

Maximum up to RM10 mil

 


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