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Besides Alliance Islamic Bank's various credit facilities, we also offer the following SME Schemes promoted by CGC to meet your business needs.
The schemes are:
- Credit Enhancer Islamic Scheme (ENHANCER-i)
- Flexi Guarantee Scheme (FGS), Fund For Small & Medium Industries 2 (FSMI2) & New Entrepreneur Fund 2 (NEF2)
- SME Assistance Guarantee Scheme (SAGS)
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| Objective |
To facilitate greater access to credit for viable SMEs. |
| Eligibility Criteria |
ENHANCER-i
- Businesses classified as SMEs, as defined by the National SME Development Council (NSDC).
- Must be a Malaysian-controlled or Malaysian owned businesses.
- All viable business activities (halal) are eligible
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| Financing Limits |
Minimum: RM50K
Maximum: RM10Mio |
| Purpose of Financing |
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| Objective |
To facilitate greater access to credit for viable SMEs. |
| Eligibility Criteria |
FSMI2
- Legally registered Malaysian-owned companies (at least 51%) in all economic sectors except money ex-change activity, with shareholders equity ≤ RM2.0mio.
- Shareholdings by Public Listed Companies and Government Link Companies (if any) should not exceed 20% of the total shareholders fund.
- Businesses classified as SMEs, as defined by the National SME Development Council (NSDC).
- Not more than 7 years in operations. Eligibility of SMEs with > 7 years in operations is subject to average net profit is marginal over the last 3 years (i.e. less than 5% net profit margin).
NEF2
- Legally registered wholly-owned Bumiputera companies in all economic sectors, with shareholders equity ≤ RM2.0mio.
- Shareholdings by Public Listed Companies and Government Link Companies (if any) should not exceed 20% of the total shareholders fund.
- Businesses classified as SMEs, as defined by the National SME Development Council (NSDC).
- Not more than 7 years in operations. Eligibility of SMEs with > 7 years in operations is subject to average net profit is marginal over the last 3 years (i.e. less than 5% net profit margin)
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| Financing Limits |
Minimum: RM50K
Maximum: RM50Mio |
| Purpose of Financing |
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| Objective |
To ensure that viable SMEs adversely impacted by the current economic slowdown continue to have access to adequate financing. |
| Eligibility Criteria |
- Businesses classified as SMEs, as defined by the National SME Development Council (NSDC).
- Must be a Malaysian-controlled or Malaysian owned businesses (at least 51%).
- SMEs that are NOT affiliates or subsidiaries of GLCs or PLCs.
- SMEs across all economic sectors.
- SMEs with shareholders funds not exceeding RM3mio.
- SMEs adversely impacted by the current economic slowdown.
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| Financing Limits |
Minimum: -
Maximum: RM500K |
| Purpose of Financing |
- Working Capital
- Project Financing
- CAPEX
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