Financial Facilities Especially For Graduates

Malaysia government channel an additional allocation of RM25 million in the 9th Malaysia Plan for Graduate Entrepreneurs Fund [TUS].

The provisions are intended to encourage more university graduates entered the field of entrepreneurship.

SME Bank has managed to produce a successful Graduate Entrepreneurs contribute personal income through the business and improving the country's growth engine.

The fund was easy to start a business of financing the service and industrial sectors and for graduates who already have an existing business.

Features - Features TUS

	Loans from RM20, 000 up to RM500, 000
	Financing a total of RM750, 000 can be given to the taking-over companies
	The rate of profit (markup) 4% per annum monthly rest

Eligibility

	Open to Malaysians
	At least Diploma holders accredited by MQA
	Graduated not more 15 years
	Age not exceeding 40 years old

Warranty

	No Guarantor
	For the financing of buildings / premises
	For the financing of up to RM100, 000
	Guarantor
	For financing exceeding RM100, 000, guarantor guarantees only 20% of the amount exceeding RM100, 000

Other Information About TUS

	TUS gave maximum financing of 10 years or up to 20 years (for buildings / businesses only)
	Grace period may also be considered up to a maximum 48 months
	Maximum financing can be up to 100% financing for less than RM100, 000 and 90% for the financing of more than RM100, 000
	Individual firms, partnerships and private companies can apply for TUS
	All types of businesses are allowed except for property investment and Primary Agriculture industry

How To Apply For Graduate Entrepreneur Fund (TUS)

	Applicant who have been in business and in operation for more than two years are exempted attending courses conducted by INSKEN and the screening process is at INSKEN. Applicants may submit a Business Plan to SME Bank's nearest branch.
	Applicants who have no experience in business need to attend courses conducted by INSKEN.
	Course registration can be made via online at www.insken.gov.my or by calling INSKEN, Ms. Arni / Pn Nurashikin :03-88805162 / 5195 / 5171
	After attending the course, applicants are required to submit five copies of their Business Plans to INSKEN.
	The screening process will be conducted by the INSKEN and applicants are required to present their Business Plan. (Applicants who operate in Sabah / Sarawak are granted exemption from attending the screening process at INSKEN.
	If the business plan meets the requirements of the Fund, the proposal will be forwarded to SME Bank's nearest branch.
	SME Bank will evaluate the application and provide feedback.
	For eligibility requirements please refer to TUS terms.

Download Loan Repayment Table

Download Brochure

Sekretariat Tabung Usahawan Siswazah (TUS) SME Bank
Aras 12, Menara SME Bank
Jalan Sultan Ismail
50774 Kuala Lumpur


Puan Zuraidah Abdul Wahab, e-mail: Zuraidah.a@smebank.com.my, Tel: 03 -2615 2020 ext 3089

or any SME Bank’s branch.