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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

Acara Akan Datang

Tiada acara buat masa ini. 

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 :

Head, Regional Management Office
Menara SME Bank
Jalan Sultan Ismail
50250 Kuala Lumpur

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.

Tahun 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

Tahun 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)

Tahun 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)

Tahun 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

Tahun 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

Tahun 2013

Sahabat Negara SME Recognition Award 2013

SMI Association of Malaysia

Website 5-Star Rating 2013 Malaysia Government

Portals and Websites Assessment (MGPWA)

Tahun 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)

Tahun 2011

Sahabat Negara SME Recognition Award 2011

SMI Association of Malaysia

Website 5-Star Rating 2011 Malaysia Government

Portals and Websites Assessment (MGPWA)

 

Associate Prof. Dr.
Asmak Ab Rahman

Ahli

Dr. Shamsiah Mohamad
Ahli

Dr.Tajul

Dr. Azrul Azlan Iskandar Mirza
Ahli

 

Dr.Ahmad Sufian

Dr. Ahmad Sufian
bin Che Abdullah

Ahli

Dr.Amir

Dr. Amir Shaharuddin
Ahli

Dato’ Seri Nazir Ariff
Chairman

PROFILE :

Dato’ Seri Nazir Ariff joined the Board of Directors of SME Bank and appointed as a Non-Executive Chairman of SME Bank on 18 October 2019.

He is a successful corporate figure with vast experience in various industries which among others include, banking, property, mining and commodities trading. Majoring in accountancy from the United Kingdom, he is also a Fellow of the British Institute of Management.

As an entrepreneur, he is the co-founder of the Aspen (Group) Holdings Limited and is currently the Executive Deputy Chairman. Prior to this, he was the Deputy Chairman / Executive Director at the Ivory Properties Group Berhad from 2006 until 2013. Dato’ Seri Nazir Ariff started his working career holding various key positions at Escoy Holdings Berhad (formerly known as Datuk Keramat Holdings Berhad) until the end of his tenure as the Managing Director in 2006. He was also the Chairman of the Malaysian International Chamber of Commerce and Industry (Northern Branch) from 1995 to 2018. He served as a Board member of the Kuala Lumpur Commodities Exchange and as the founding Board member and Chairman of the Kuala Lumpur Tin Market. He was also the past President of Majlis Dato-Dato Negeri Pulau Pinang.

Currently, Dato’ Seri Nazir Ariff is an Independent Director at Texchem Resources Berhad and PBA Holdings Berhad and is a Director at Thailand Smelting & Refining Co. Limited.

Dato’ Seri Nazir Ariff is also active in sports and had served as President of the Football Association of Penang from 2013 to 2017. He is also active in charity work in Penang and holds important positions in several non-government organizations such as the Children Protection Society and Penang Future Foundation.

 
 

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 was appointed as an Independent 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 (USA).

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

Datuk Ahmad Hizzad is currently the Chairman of Payment Network Malaysia (PayNet) and a member of the Chartered Banker of Malaysia and awarded with fellow Chartered Banker, Asian Institute of Chartered Banker.

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.

En. Mohd Sakeri Abdul Kadir
Non-Independent
Non-Executive Director

PROFILE :

Mohd Sakeri Abdul Kadir was appointed as a Non-Independent Non-Executive Director on 28 February 2019. He holds a Master in Economics from Universiti Putra Malaysia, Bachelor of Arts in Mathematical Economics from Temple University, United States of America (USA) and Post Graduate Diploma in Public Administration from National Institute of Public Administration (INTAN).

He has more than 25 years of experience in the public services sector, especially with the Ministry of Finance (MOF). Prior to the current appointment as the Undersecretary to the Statutory Body Management Division, he was the Deputy Undersecretary, Tax Division and the Deputy Director of the National Budget Office, MOF.

Dato’ Mohammad Radhi Abdul Razak
Non-Independent
Non-Executive Director

PROFILE :

Dato’ Mohammad Radhi Abdul Razak was appointed as a Non-Independent Non-Executive Director on 9 October 2020.

He has more than 28 years of experience serving in various ministries such as the Ministry of Finance, Ministry of International Trade & Industry and the Economic Planning Unit, Ministry of Economic Affairs. He is currently the Deputy Secretary General for Policy & Monitoring at the Ministry of Entrepreneur Development & Cooperatives. Prior to this, he was the Director of Development Budget at the Economic Planning Unit, Ministry of Economic Affairs.

He holds a Masters degree in Development Finance from Hiroshima University, Japan and a Bachelors degree in Economics (HONS.) from Universiti Malaya, Kuala Lumpur.

En. Wan Abdul Rahman bin
Wan Abu Bakar
Independent Director

PROFILE :

Wan Abdul Rahman Wan Abu Bakar (“Encik Wan Abdul Rahman”) was appointed as an Independent Non-Executive Director of SME Bank on 11 January 2021.

He holds a Bachelor of Art in Business Management from University of Sunderland, United Kingdom and Diploma in Banking Studies from MARA University of Technology (UiTM). He is an Associate Member of the Asian Institute of Chartered Banker since 1981. He has attended BMP Managerial Process and Practice at Asian Institute of Management Manila Philippines. He has also attended Carl Samuelson’s Risk Analysis and Decisions Making Model by Carl Samuelson of JB Morgan of New York and KMDC Strategy Execution Program, The Wharton School, University of Pennsylvania.

Wan Abdul Rahman has over 30 years of experience in the fields of investment and corporate as well as commercial & SME banking in both conventional and Syariah banking having served in various senior positions at CIMB Bank , CIMB Investment Bank, Bank Muamalat Malaysia Berhad and Asian Finance Bank Berhad.

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.

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.

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HUBUNGI KAMI
Hubungi Kami:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700